I am describing below an incident and request your comments and guidance on how to proceed.
This relates to one of my collegue.(Staff)
The staff has a salary account with ICICI BANK LTD., aided with debit card, internet banking. He has also registered his mobile number for any transaction alerts.
Last month, one day by around 10 PM he has received a call from MUMBAI ICICI BANK clarifying whether he has made any fund transfer to a value of Rs.39500. Immediately he has said "NO". Again after 10 he has received another call from the bank asking him to lodge a complaint with Customer care as there has been a fund transfer effected from his account to another account on the previous day.
It is later (Next day) found out that there has been a fund transfer without the staff knowledge using his internet banking facility. The transfer has been done to another ICICI account at Pune at around 12.30 pm. An amount of Rs.2000 has been withdrawn from an ATM at Pune from the transfered account and in another 1 hour, there has been a withdrawal using a self cheque from the transfered account a sum of Rs.37500 from a bank at Nagpur.
The bank do not have any explanation for this expect that YOUR INTERNET BANKING FACILITY HAS BEEN AXED BY ANOTHER PERSON. YOU HAVE NOT BEEN CAUTIOUS WHILE USING INTERNET BANKING. BANK IS NOT RESPONSIBLE FOR THIS.
Please tell me, whether we can hold the Bank responsible for this and if so what is the procedure.
Krishanraj P R