Wednesday, July 1, 2015

Activation of my ICICI NRE Account

My NRE account with ICICI account was inactive. 
I called their NRI Cust Care number 1800-102-5600 and connected to the agent. 

"You are speaking to Karthik. May I know your name please"
"Good Day, do you have my account details ?"
"Yes Sir, Thank you for validating yourself, it was a great help. How may I help you ?"
"I think that the account is inactive at the moment, can you make it active ?"
"Sure Sir, kindly please be online, I will check this for you."
Pause of 20 seconds
"Sir as in Indian Time from 12AM to 430 it is downtime Sir, Mr Shivanand. We are unable to place this  request to for that based of your account. I request you to please give us a call after three hours".
"Ok. Are you sure that the downtime will be gone, because I called before as well and ... "
"As in Indian time, 12 to up to 5 its a downtime."
"Everyday ?"
"Yes"
"Ok. Cool. But the IVR is able to reply."
"IVR is replying Sir, but for place the request, it is ... downtime."
"Ok right ho."
"Thank you Sir, thank you for calling the ICICI bank, have a nice day."

I called again just to verify the information given by Karthik. 

As usual, the agent asked me my name. I asked whether he had my account details, he said yes, but he needs to know my name. I contended that given that the IVR has stated that the Authentication is Successful, instead of asking my name, the phone banking officer (PBO) should actually greet me by my name. He said that it was for security purpose that he needs to know my name to ensure that it is the same person. I said then that you either do not ask me to punch in numbers and authenticate me personally, or, if you make me punch in the numbers and authentication is successful, then, you greet me by my name. The agent continued to insist that he needs to know my name, and I did not give it. 
I asked him about my last four transactions, and this PBO had the audacity of telling me to get it from the IVR. I told him that I was asking him my transactions to see whether he knew my transactions or not, rather than me wanting to know the transactions. 
Finally I asked him to make my account active, he said that the system that handles this request of activating the account, is down, and that I should call back or submit the request online after 6AM and before 12 Midnight. 


My Questions : 

- Why the PBOs are providing different timings of end of downtime ... 4.30AM, 5AM, and 6AM. 

- Why the PBOs, in case of successful authentication, are not greeting the customer by his name, or at least querying, "Am I talking to so and so ?". Asking the name of customer and using it as another security parameter, not only demonstrates lack of confidence in the authentication mechanism put in place, but also implies lack of diligence due to as flimsy a parameter as Name being used for security. If the caller knows the Account Number, the last four digits of Debit Card, and its ATM PIN, why would he not most likely know the Name as well ?? 

- This was the third time I was calling to activate my account. Why cant the bank have their PBO take my request for activating my account, and let their backend team process this request as and when the downtime is finished ? Instead, they are asking me to call again and again and again. 

;; Time take for this blog : 45 minutes

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