ADDITIONAL BENCH STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB, CHANDIGARH Date of Institution : 24.09.2024 Date of Reserve : 17.02.2026 Date of Decision : 25.02.2026 Talveer Singh, aged about 29 years, son of Sh.Pavitar Singh, R/o Village Mandhali, Shaheed Bhagat Singh Nagar, Punjab-144501.

(Email ID- badeshatalveer@gmail.com)

….Appellant/complainant Versus

1. ICICI Bank Ltd., 14-A, Ohri Tower, Model Town, GT Road, Phagwara-144401, Punjab, India through its Branch Manager Ms.Aparna Manthra, Retail Branch Banking.

2. ICICI Bank Towers, Bandra-Kurla Complex, Mumbai-400051. 3. ICICI Bank Tower, Near Chakli Circle, Old Padra Road, Vadodara-390007, Gujarat, India. ….Respondents/Opposite parties First Appeal under Section 41 of the Consumer Protection Act, 2019 against the order dated 13.08.2024 of the District Consumer Disputes Redressal Commission, Kapurthala.

Quorum:-

Mr.Harinderpal Singh Mahal, Presiding Judicial Member Mrs.Kiran Sibal, Member Present:-

For the appellant : Ms.Harpreet Kaur Kailey, Advocate For the respondents : Ex-parte HARINDERPAL SINGH MAHAL, PRESIDING JUDICIAL MEMBER This appeal has been preferred by the appellant/complainant- Talveer Singh against the order dated

13.08.2024 passed by District Consumer Disputes Redressal Commission, Kapurthala (in short ‘District Commission’), whereby the complaint filed by the complainant under the Consumer Protection Act (in short ‘the Act’) was dismissed at the preliminary stage.

It would be apposite to mention that hereinafter the parties will be referred, as have been arrayed before the District Commission.

2. Briefly stated facts of the complaint are that the complainant is operating his saving account No.367301500917 with the opposite parties since 2016. When the complainant visited Opposite Party No.1 to withdraw money from his savings account, he was informed about a wrong entry of Rs.1,08,500/-. Opposite Party No.1 further advised him to withdraw the entire amount, as he had not received any message regarding the deposit of the said amount. On this, the complainant requested opposite party No.1 verbally that reverse the wrong entry transaction to the same account holder and at that time, the account of the complainant was not frozen. The complainant also written his complaint in Punjabi language in the complaint book by stating to reverse the wrong entry transaction on 08.05.2024 as well as requested them to secure his rest of money as an amount of Rs.10,77,998.93p of the complainant. Despite various reminders, opposite party No.1 failed to fulfil the request of the complainant regarding the wrong entry transaction when the bank account was not frozen, and they avoid the matter and started ignoring the complainant. The complainant requested opposite party No.1 to resolve the issue but the officials of the opposite party No.1 cut the lame excuses. On 04.07.2024, the complainant received a call from the Bank official of the opposite party No.1 that his money to the tune of Rs.11,86,000/- has been transferred as per court orders but not justified him why the whole amount transferred because of wrong entry of Rs.1,08,500/-. It is submitted that opposite party No.1 as well as Bank staff failed to comply with the provisions of the law and also failed to perform the rules & regulations of Bank authorities intentionally. Thereafter, a legal notice dated 10.07.2024 regarding to justified the complainant sincerely about his amount of Rs.10,77,998.93 was served but to no effect. This act and conduct of the opposite parties amount to deficiency in service which compelled the complainant to approach the District Commission seeking following reliefs:

i) to return the amount of Rs.10,77,998.93p to the complainant; and ii) to pay Rs.5,00,000/- to the complainant on account of mental tension, agony and harassment;

iii) to pay Rs.1,00,000/- as litigation expenses.

3. The complainant along with his complaint filed the documents in support of his contentions before the District Commission