We are sorry to hear about your problem. We have made a note of your contact details and will be getting in touch with you soon in order to address your concern.
ICICI Bank Customer Service Team.
I made online transaction to transfer Rs 12,000 to friend's A/C but I mistakenly transferred to wrong A/C on date 1/06/2010 with Payment ID: 0158347384 & Transaction id BIL/000158347384/Against Laptop Payme/NS .
ICICI online banking system is such it only asks for A/C number & registers payee. There is no cross verification of A/C holder so people generally commit such mistakes. This is deficiency in their system. You can find so many such complaints against ICICI bank. Now bank is not able to trace the A/C holder. I had logged complaint to bank but nothing is done.
Immediately after I came to know about the mistake I contacted the Customer care toll free number and they advised me to contact the Branch Manager who will contact the Ac holder to whom the money was transferred.
I approached the Branch Manager Mr. Pankaj ( Liberty Garden, Malad Branch - Mumbai ), who asked her employee Nisha to contact the Customer but the person to whom the money was transferred has not been using the account from past one year and was not available on his contact number with the Bank I requested the Bank manager to make sure that the third person should not withdraw the money from his account and reverse the transaction immediately, but I was shocked to hear from the bank that they cannot do this and there is no way that we can stop the opposite person to withdraw the money as it is in his account.
The Bank staff then asked me to contact Mumbai police and register a case with them. I went to Malad Police station, Bangur Police station but the Cops refused to register a case giving me the reason that as there is no fraud or theft committed in my account they cannot register case for me under any section of Indian law. They also informed me that as it is my account, my bank and my money then bank should act on my written complaint or intimation to them and reverse the transaction.
I disappointedly went back the Bank and informed them about the police episode and now I had a different operational manager Mr. Manoj who agreed that cops will not help me and in such case there is no way that bank can help me too. He behaved and displayed a attitude of telling me that I have done a crime or murdered someone and my 12,000 in no way is retrievable. He also informed me that I am not the first person to do such mistake and that is the reason he is telling me to forget my money.
After a short argument with him he informed me that he will send a bank representative to the third party account holders address and try to get in touch with him. The Bank guy after visiting his place came to know that the person does not stays there and there is no trace of the account holder.
It is now one week and bank has not taken any step to stop the opposite person to misuse my money or help me in retrieving my money.
Being a common man I am now not only in a state of shock but left all alone with no one in the entire system of Indian law trying to help me. The Cops have a valid reason not to register a case for me. The Bank seems to be giving me all kinds of reasons not to help me in any possible way.
Is there any way that anyone can help me. I can be contacted at my Cell phone # +91 98201 08008
Mumbai - +91 98201 08008