ICICI BANK LTD Vs. KISHORE KUMAR BODKE

JUDGEMENT

(1.) This appeal has been filed by the appellant ICICI Bank Ltd. against the order dated 11.7.2017 of the State Consumer Disputes Redressal Commission, Karnataka, (in short 'the State Commission') passed in Appeal No.74 of 2012.

(2.) Brief facts of the case are that the respondent has an account with the appellant bank. The appellant bank noticed that one credit card was being used which had the same KYC as that of the respondent/complainant, which included the driving licence and the pan card of the respondent. As there was outstanding against that credit card, the appellant bank attached Rs.1,58,688/- from the saving account of respondent Kishore Kumar Bodke. When the same was noticed by the complainant in his account, he inquired from the bank and the bank informed the factual position in this regard. The amount remained attached for 41 days and later on it was found by the bank that the respondent/complainant was the true customer who had not obtained any credit card and some other person had made use of KYC documents of respondent complainant. That person, may be, with connivance of some of the bank employees, obtained the credit card. The bank then released the amount of Rs.1,58,688/-, which was attached by the bank. However, the complainant felt aggrieved that his credentials were doubted by the bank and the complainant as well as his parent were involved unnecessarily in correspondences by the bank. Consequently, he filed a consumer complaint before the State Commission alleging deficiency of service on the part of the appellant and requesting for direction to the opposite party to pay Rs.49,00,000/- as compensation to the complainant.

(3.) The complaint was resisted by the opposite party by stating the actual facts as stated above. However, the State Commission allowed the complaint and passed the following order:-