[Resolved]  ICICI Bank / Credit Card — Malpractice of earning money & harassing honest customers.

To: "Jitendrakumar.[protected]@axisbank.com" <Jitendrakumar.[protected]@axisbank.com>
From: "Geeta Agre" <senior.[protected]@icicibank.com>
Date: 08/20/2009 06:33PM
Subject: RE:'ICICICARE=[protected]' Pathetic Service Continues.[protected]


Dear Mr Singh,

We wish to inform you that your concern is being attended to and we shall revert to your on or before August 25, 2009.

We appreciate your patience in helping us serve you better.

Sincerely,

Geeta Agre

Manager - Service Quality
Corporate Office

-----Original Message-----
From: Jitendrakumar.[protected]@axisbank.com ( Jitendrakumar.[protected]@axisbank.com )
Date: Wednesday, August 19, 2009 09:21 AM
To: Geeta Agre ( senior.[protected]@icicibank.com )
Subject: RE: Pathetic ServiceContinues.[protected]

Dear Geeta,

You need to be practical. I was planning to convert the transaction into 9 EMI.

Will be oblized if you consider it for 6 months because this is minimum tenure in which I can pay the amount. I have lot of other commitments also.

Expecting positive reply from your good-office.


Thanks & Regards,
Jitendra Kumar Singh
Deputy Manager
Merchant Acquiring Operations
Eastern Zonal Office
D[protected]
M-[protected]

"TEAM is a group of people who may not be equal in Qualification, Experience or Talent but are equal in COMMITMENT."



-----"Geeta Agre" <senior.[protected]@icicibank.com> wrote: -----


To: "Jitendrakumar.[protected]@axisbank.com" <Jitendrakumar.[protected]@axisbank.com>
From: "Geeta Agre" <senior.[protected]@icicibank.com>
Date: 08/18/2009 06:40PM
Subject: RE:'ICICICARE=[protected]' Pathetic Service Continues.[protected]


Dear Mr Singh,
As communicated to you yesterday, we do not have recordings of calls made by you as all calls are not recorded. We understand your concern in this case but on converting the transaction into EMI the outstanding on your account will go over the available credit limit.
As a service gesture can offer you to pay the TAD in 2 installments. Interest charge levied to you for this transaction will be reversed on receiving a request from you.
Trust you will meet the above explanation with understanding and acceptance.
We deeply value our relationship with you and hope that you will give us the opportunity of continuing to serve you.
Sincerely,

Geeta Agre

Manager - Service Quality
Corporate Office

-----Original Message-----
From: Jitendrakumar.[protected]@axisbank.com ( Jitendrakumar.[protected]@axisbank.com )
Date: Tuesday, August 18, 2009 02:59 PM
To: Geeta Agre ( senior.[protected]@icicibank.com )
Subject: RE: Pathetic ServiceContinues.[protected]
Dear Geeta,
I have called at least thrice to your customer care number before doing the transaction. Send me the recording of the same.
Lastly, I am not in a position to make the TAD amount in one go.


Thanks & Regards,
Jitendra Kumar Singh
Deputy Manager
Merchant Acquiring Operations
Eastern Zonal Office
D[protected]
M-[protected]

"TEAM is a group of people who may not be equal in Qualification, Experience or Talent but are equal in COMMITMENT."



-----"Geeta Agre" <senior.[protected]@icicibank.com> wrote: -----


To: "Jitendrakumar.[protected]@axisbank.com" <Jitendrakumar.[protected]@axisbank.com>
From: "Geeta Agre" <senior.[protected]@icicibank.com>
Date: 08/18/2009 01:40PM
Subject: RE:'ICICICARE=[protected]' Pathetic Service Continues.[protected]


Dear Mr Singh,
With reference to your below mail, we confirm that we had replied to you yesterday. The response is appended for your reference :
From: Geeta Agre (senior.[protected]@icicibank.com)
Date: Monday, August 17, 2009 07:34 PM
To: Jitendrakumar.[protected]@axisbank.com (Jitendrakumar.[protected]@axisbank.com)
Subject: RE:'ICICICARE=[protected]' Pathetic Service Continues.[protected]

Dear Mr Singh,
We wish to inform you that we have stopped the EMI facility as per our policy decision.
Further, we do not have any records of assurance given to you for converting the transaction into EMI. We will be unable to convert the transaction into EMI even if we consider this case as an exception because on converting the transaction the outstanding on the account will go over the available credit limit and it is not permitted by the system.
Thank you for writing to us.

Sincerely,

Geeta Agre

Manager - Service Quality
Corporate Office

-----Original Message-----
From: Jitendrakumar.[protected]@axisbank.com ( Jitendrakumar.[protected]@axisbank.com )
Date: Tuesday, August 18, 2009 10:29 AM
To: Geeta Agre ( senior.[protected]@icicibank.com )
Subject: RE: Pathetic ServiceContinues.[protected]
Dear Geeta,
Awaiting confirmation.


Thanks & Regards,
Jitendra Kumar Singh
Deputy Manager
Merchant Acquiring Operations
Eastern Zonal Office
D[protected]
M-[protected]

"TEAM is a group of people who may not be equal in Qualification, Experience or Talent but are equal in COMMITMENT."



-----"Geeta Agre" <senior.[protected]@ICICIBANK.COM> wrote: -----


To: "Jitendrakumar.[protected]@axisbank.com" <Jitendrakumar.[protected]@axisbank.com>
From: "Geeta Agre" <senior.[protected]@ICICIBANK.COM>
Date: 08/11/2009 03:48PM
Subject: RE:'ICICICARE=[protected]' Pathetic Service Continues.[protected]


Dear Mr Singh,

We acknowledge receipt of your e-mail of August 8, 2009 addressed to Ms Chanda Kochhar regarding your Credit Card 4629 XXXX XXXX 1006.

We are looking into your concern with regard to getting the transaction done on August 6, 2009 for Rs. 87, 000.00 converted into EMI and will revert to you on or before by August 17, 2009.
Sincerely,
Geeta Agre
Manager - Service Quality
Corporate Office
-----Original Message-----
From: Jitendrakumar.[protected]@axisbank.com ( Jitendrakumar.[protected]@axisbank.com )
Date: Saturday, August 08, 2009 01:13 PM
To: chanda.[protected]@icicibank.com ( chanda.[protected]@icicibank.com )
Cc: kamath.[protected]@icicibank.com ( kamath.[protected]@icicibank.com ); Head Service Quality ( [protected]@icicibank.com )
Subject: Pathetic Service Continues.[protected]
Dear Madam,
To continue on the below interactions, I have made the TAD payment on my card account and checked at least thrice that if I am going to do a high value transaction (Rs.80, 000/- plus) and wanted to convert the transaction into EMI. I was informed that the same can be done.
Today when I called your helpline number to convert the transaction into EMI, I was shocked to hear that you have stopped the EMI facility.
I am not in a position to pay the amount in one go.
You declined my previous request. Now if I don't get the resolution in my favour, I am not going to pay a single rupee.
You are harassing your honest customer's like anything by applying wrong means to earn money. I am not going to leave this matter at any cost until I get the resolution as per my requirement/convenience.
I have gone through lot of mental harassment due to your negligent service and I will approach authority to get the justice (if i fail to get the same from you).
Waiting for your favourable reply.

Thanks & Regards,
Jitendra Kumar Singh
Deputy Manager
Merchant Acquiring Operations
Eastern Zonal Office
D[protected]
M-[protected]

"TEAM is a group of people who may not be equal in Qualification, Experience or Talent but are equal in COMMITMENT."



-----Jitendrakumar Singh/DM/CCM/AXISBank wrote: -----


To: kamath.[protected]@icicibank.com
From: Jitendrakumar Singh/DM/CCM/AXISBank
Date: 07/18/2009 09:51AM
cc: "Head Service Quality" <[protected]@icicibank.com>, chanda.[protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' ICICI Bank Credit Card


Dear Sir,
I don't thing my mail is reaching to right person otherwise inspite of my several mail communication, the same response is being communicated to me.
Earlier I used to say to my friends that ICICI Bank is the best bank to Bank with (as per my previous interaction) but sorry to say my thinking has changed to "ICICI Bank is the worst Bank to Bank with".
They do not care for their honest customers.
ICICI Bank does not take into consideration the customer previous relationship/history before saying no to customers.
ICICI Bank uses malpractice to earn financial charges.
People responding to mails are robot/machine and not human being nither they go through the customer mail properly (which is justified if you go through all my interactions till now on this issue).

Lastly, I am not going to pay a singly paise extra (apart from the purchase amount) as you are unable to prove that you have delivered the last 2 months statements to me, which you have communicated in all your communication. This is my hard earned money which I am not going to waste at any cost.

Further, if any mishap happens to my Savings account you will be responsible for further consequences.

Don't reply to this mail if you have to communicate same thing. Reply only if you have anything else to communicate (POD of delivery of statement or reversal of interest charges for last 2 months) as it irritates me. If you reply the same thing again I am not going to pay anything even the purchase amount and will go legally and seek compensation.

Don't reply just for the shake of replying.

Thank you very much for all the services rendered in the past (before this interaction) and for this experience:

"ICICI Bank is the worst Bank to bank with."

Thanks & Regards,
Jitendra Kumar Singh
Deputy Manager
Merchant Acquiring Operations

"TEAM is a group of people who may not be equal in Qualification, Experience or Talent but are equal in COMMITMENT."



-----"Head Service Quality" <[protected]@icicibank.com> wrote: -----


To: "Jitendrakumar.[protected]@axisbank.com" <Jitendrakumar.[protected]@axisbank.com>
From: "Head Service Quality" <[protected]@icicibank.com>
Date: 07/16/2009 05:15PM
Subject: RE:'ICICICARE=[protected]' ICICI Bank Credit Card


Dear Mr. Singh,
We refer to your e-mail of July 14, 2009 regarding your credit card.
We have been regularly sending your credit card statements at your registered mailing address which is of Thane. We regret to provide the proof of deliveries as the statements are being sent through normal post.
Further, we have also sent the e-mail statements at e-mail id: jitendra.[protected]@rediffmail.com .
We regret to reverse the charges on your credit card account as requested.
The total amount due as on July 14, 2009 is Rs. 12, 633.49. We request you to make the payment by July 23, 2009 to avoid levy of further financial charges.
Non-payment of your credit card dues will effect your credibility for which we will not be responsible.
We request you to treat this as our final response in this regard.
In case you are not happy with the resolution, you may approach Banking Ombudsman Office of RBI. Details of the RBI's Ombudsman scheme can be accessed through our web site www.icicibank.com
Sincerely,

Anita Prakash
Office of Head Service Quality