Fraud with my ICICI saving account

Write a Letter by Speed Post AD to the CEO of ICICI, setting out the complete details and demanding that the issue be resolved. Usually escalation helps on such matters of indffierent attitudue faced at lower rung of the banking system.

Vasudevan

Learned Mr. Vasudevan has given valuable advice. Please send letter as advised.

You can lodge complaint with Cyber crime cell, BO, consumer forum.

Police/Cyber crime cell can trace the details mentioned by you like, owner of PC, address and mobile number, address, person name who made this false transaction.

The conduct of bank, and infliction of insult should be strongly protested by you and escalated to Nodal Officer and MD/CEO of the bank along with the details of the bank employees e.g name, designation, place, date, time , their response to you etc.

If you feel it appropriate you may lodge a police complaint.

Bank do not accept their failure and time declared by them to conduct investigation and respond to customer is usually taken to set their records to evade bigger and heavier punishment and burden of proving them wrong is transferred on the harassed customer. Even if the proof is given the bank manages to escape with a light financial penalty and the bank officials never appear in court.

If you feel it appropriate you may obtain the copy of all complaints and decisions involving bank and plead that bank is a habitual offender and has been resorting to extremely irresponsible conduct despite their offences and punishment and hence bank employees and principle officers of the bank MD, CEO, Chairman, Company Secretary should be summoned to appear in person.

The copies of judgments are available at the site of State and national commission and also of BO.

Others you shall have to find from web e.g. Google search /complaints against ICICI bank.

It shall be appropriate to seek legal advice from a competent lawyer/law firm at your place.

You may call for Bank manual. Even otherwise you are within your rights to examine bank manual which is to be kept in bank with Branch manager.

 you can choose to consumer  forum after giving legal notice.
 

ICICI Bank is least bothered about even Court Orders.  You pursue your complaint with police and cyber cell. Cause to issue legal notice to the bank asking to refund of the amount debited with interest and compensation for your mental agony.  If no positive response, file complaint with Consumer Court.  Give wide publicity through news papers also. 

1. Hope you have lodged complaint with MD and must have received the complaint number and reply.

You could also lodge complaint with Nodal Officer/appellate authority who have to issue complaint number and reply.

If the bank after issuing complaint number has not supplied a written reply to you, you should complaint to Nodal Officer of the bank and you shall get a written reply.

2. Cyber crime cell of police has to act and supply you the details mentioned in your post. If you have lodged a compliant you can raise RTI and enclose a self addressed envelope for reply by registered post and obtain acknowledgment of your application and self addressed envelope.

This should be sufficient to prove lapse at the end of the bank.

As the learned members have pointed out this bank is least bothered and is a habitual offender. Give wide publicity to your complaint and let them plead at your doorsteps.

Issue legal notice and lodge complaint with consumer forum.