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The following is the complaint to DPG.gov.in regarding ICICI and how the RBI Ombudsman did not take any action on my complaint..

Registration Number:	DPG/B/2025/80307
Name of Complainant:	P V Krishnan
Grievance Description:	Prequel - I took a loan from ICICI bank in 2019 February. The first time I missed my EMI payment in October 2019, the bank emptied my savings bank account without informing within 3 working days. When I asked how can you empty my bank account without even informing me that the EMI was not paid, the bank send legal notice and loan handlers to my fathers house in November 2019 that too after I paid all EMI Dues in first half of November 2019 itself.    The Problem - I wrote a complaint that bank should not be able to empty an Indian Citiens bank account without telling him nor should they send legal notice or loan handlers to the citizens house after all EMI dues were paid. The RBI Ombudsman did not take any action. Did not give any resolution. Did not communicate anything to me and let the complaint disappear/drift.    Now - I complained to CPGRAMS to take action against the RBI Ombudsman. The RBI forwards this complaint to ICICI bank which promptly says the issue is sub-judice. Yes. I have filed a case against ICICI Bank. But no case is filed against RBI Ombudsman. And my complaint is against RBI Ombudsman not taking any action or sending any further communication regarding the matter to me.    Requested Action - Please take action against the RBI Ombudsman ... we are not in the 1930s when zamindaars and loan sharks could enter the household of people who took loans and take whatever they could lay their hands on when the first time they missed a payment. The RBI was setup to make sure that this does not happen and there are banking rules to be followed when an EMI is not paid. None of these rules were followed by ICICI Bank in my case and when the RBI was informed of this development, they too conveniently closed the case without taking action.    RBI Ombudsman is there to protect the Indian Citizen against Banks malpractices. Here the RBI Ombudsman themselves have colluded with the erring ICICI Bank.    Please take strict action against the RBI Ombudsman and remove the person from government job who handled my complaint and closed it without taking action.    RBI Ombudsman Complaint No. 201920002012524 is the relevant complaint which I had filed with RBI Ombudsman 4 years back,
Recieved in DPG on:	16/2/2025
Current Status :	CASE TRANSFERRED TO THE DEPT
Transfered To :	Dept. of Financial Services Concerned Officer: M. Nagaraju Officer Designation: Secretary FS Officer Address: Jeevan Deep Building Sansad Marg New Delhi
Reason For Transfer :	Transferred for appropriate action
Date of Action Taken :	18/2/2025

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Action Status Details

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