Oct 09
15
Respected Sir, I, the undersigned, Pronoy Chakraborty, am holding a Salary Account No. 006701504750 with ICICI Bank, Jodhpur Gam Branch, Ahmedabad.
There were two fraudulent transaction carried out on 28 July 2009, amounting to Rs. 50,000/- (Rupees Fifty Thousand only) and Rs. 18,000/- (Rupees Eighteen Thousand only) at around 12.00 pm to 12.30 pm but I was notified of the same at 5.35 pm which is after 5 hours and that too by ICICI bank, Mumbai office and not by the Jodhpur Gam Br. Office.
In this case I was notified after 5 hours about the fraudulent transactions, while in past, in normal circumstance I used to receive a phone call from the bank for transactions of Rs. 5,000/- and above stating whether the same were approved by me or not. Why was this transaction not given the same importance as they both were of a large amount. Further, the call came from the Mumbai office of ICICI Bank and not from the branch where I have an account i.e. Jodhpur Gam Branch. Moreover, when I went to the said branch they first of all did not still know of any of these transactions but after verifying they had given me the names, address, account number and even one phone number. The same is as below:
• Arshad khan ЎV M/96, Fatima Apartment, Flat-201, Abul Fazal Enclave, Okhla, Delhi. (M) 09818180363 who had taken Rs. 50,000/-
• Mohamad Zabib ЎV 208-A/ III Cross, Vidhyanagar, Mandya, Karnataka. Who has taken Rs. 18,000/-.
Both these transactions have taken place from Mumbai, whereas one person is from Delhi and other from Karnataka. But, what has come to the notice that both these crimes were committed by one person having two different accounts in dummy names. Whereas it is clearly stated by R.B.I. that the below rules should be followed by the banks for any accounts to be opened: In 2004, the RBI had come up with more specific guidelines regarding KYC. These were divided into four parts:
• Customer Acceptance Policy: All banks shall develop criteria for accepting any person as their customer to restrict any anonymous accounts and ensure documentation mentioned in KYC.
• Customer Identification Procedures: Customer to be identified not only while opening the account, but also at the time when the bank has a doubt about his transactions.
• Monitoring of Transactions: KYC can be effective by regular monitoring of transactions. Identifying an abnormal or unusual transaction and keeping a watch on higher risk group of the account is essential in monitoring transactions.
• Risk management: This is about managing internal work to reduce the risk of any unwanted activity. Managing responsibilities, duties and various audits plus regular employee training for KYC procedures. These guidelines also specify that KYC should be implemented for existing account holders on the basis of materiality and risk segments.
If the bank follows the guidelines of RBI then the culprit would have been booked by now but till date i.e. even after two months I have not yet received any confirmation about my lost amount, whereas when I had given a written statement regarding these frauds the Cluster Manager Mr. Rajesh Gadhvi had clearly mentioned that this issue will be resolved within one month and a service request number (SR113925365) was also given to me but till date I have not been contacted nor is there any reply from anyone. Whenever I have gone to the jodhpur gam branch I was very rudely treated and no satisfactory answers were given.
Sir, the above mentioned amount of Rs. 50000/- and Rs. 18000/- (Total = Rs. 68000/-) is to an ordinary layman like me is a very big amount. Also, as stated by the Cluster Manager of ICICI Bank, Jodhpur Gam Br. Ahmedabad, Mr. Rajesh Gadhvi, that these kinds of frauds are common and this goes on regularly, if this is common what about the security of the customers. Therefore, I request you to look in this matter with utmost urgency and kindly book the culprit for the frauds committed and get to arrange refund of my loss at the earliest.
Bank Representative who handled the case:
RAJESH GADHVI
Complaint By -
Pronoy Chakraborty
09879105156
Address:
BLOCK B, 6TH FLOOR, E-605, ROYAL APARTMENTS, NEAR NEHRU BRIDGE, KHANPUR, AHMEDABAD – 380001. PH-91-79-25502631
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