[Resolved]  ICICI Bank Credit Card — lien on icici salary account

ICICI Bank — Credit Card Closure and Lien Account

Dear team.

without valid reason Not Reactivating my card clearly says that the collection team is "Forcing" me to do a settlement despite my payment to regularize the Card and statement generated with Minimum Payment Due as 4450/- which is NOT only illegal but contradicting ICICI bank Rules itself. This is very clear that I am not a defaulter, If I am please confirm? and NOT Would like to do any stupid settlement which is Normally a low grade practice from Collection Team , I also have 5 similar cases against these collection people to cheat and harrass , and they should be punished now.

As a avid customer I feel this is NOT a justice but one sided decision forced by Collection Team , Anshul Tiwari /Puneet Khetari which I am NOT going to accept becuase:

1.) I have already have paid 1 Lacks rs to regularize the card account - Currently my latest statement also says that my mpd is 4450/- not total outstanding as MPD , it clearly states that the card account is regularized.

2.) They have forced me to do a settlement ,by refusing which they have blocked without any reason its a threat to hamper my Credit History despite mentioning that I have an Excellent Track Record of My 2 Personal Loans with ICICI and also maintaining my Savings account for last 5 years .

3.)The collection people have NOT given any valid reasons for closing my Credit Card Account so why should I pay the whole amount and as said earlier , I will pay as per the statment generated and even then they will do any further stupid actions it will consider as illegal activity for criminal case against two Collection Managers , Anshul Tiwari and Puneet Khetari.

I need justification on above.

Thanks
Abhishek


On Tue, Sep 22, 2009 at 6:45 PM, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

Dear Sir,

We ahve checked the details with our collection team regarding the reactivation fo the card account however the same is declined.

We regret we will be unable to reactivate the card account. we request you to treat this as a final response from our end with respect to your query.

Kindly make the payment for the outstanding dues as per your statement due date to avoid any kind of financial charges on your account. The outstanding dues are Rs.88973.51 as on date.

Looking forward for your cooperation in helping us serve you better.


Sincerely,

Neeta Shanbhag
Customer Service Executive,
ICICI Bank Limited.








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-----Original Message-----
From: abhishek mishra (akki.[protected]@gmail.com)

Date: Monday, September 21, 2009 03:21 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: card reactivation.

Hi Kindly update..

Thanks
Abhishek


On Thu, Sep 17, 2009 at 7:16 PM, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

Dear Sir,

We have forwarded your details to our collections team as mentioned before kindly provide us some time for the same.

As for the lien levied on your account please note that as per our norms, as mentioned in our Welcome Booklet which was sent to you along with the credit card, please note that "ICICI Bank may, without notice, combine or consolidate the standing balance on the credit card account with any other account(s) which the card member maintains with ICICI Bank, and set-off or transfer money standing to the credit of such other account(s) in or towards the satisfaction of the Card Member's liability to ICICI Bank under his/her credit card account."

Looking forward for your cooperation.


Sincerely,

Neeta Shanbhag
Customer Service Executive,
ICICI Bank Limited.

Miss Neeta Ji,
Hello,
I m gaurav kumar from ddun.My gandfather Credit card is not working.you can tell me.
how can know our credit card is valid or not.when i see the credit card date is
written 9-september-09.So pl u see this problem. and tell me urgent.
I hope u understand our problem.
i m waiting your prompt reply.







thanks
Gaurav Kumar

ICICI Bank — Lien transferred to credit card without notice

I have not been using Credit Card [protected] since July 2009. In fact I asked for a new card from ICICI and was issued a new one with number ending 3016. The existing card was blocked. Then I received my (online) statement in August 2009 indicating late payment fee against my old card ending 3008. I was surprised , and when called the customer service , they told they are using the same old number for their accounts , but the late payment fee is for the new card. I had paid the payment last month late by around 2 days, which had happened earlier also on a few occasions. Since I never got charged late payment fee and I always paid online, I got used to it, and never expected that I would be charged late payment fee for paying late by 1-2 days. I told the customer care executive about this , and told them that this is unreasonable. If they take off this amount this time, I can be regular from next time. There have been previous occasions also when they have waived off my late payment fee , if its one off thing. But the customer care executive didn't listen to me, and insisted that I pay the fee of Rs 400. I paid my normal bill and didn't pay the exorbitant fee of Rs 400. The ICICI guys kept on charging interest on this amount, even though I stopped using that card altogether.

Now, In April 2010, the amount of Rs 400 has become Rs 4948.78, after charging the hefty credit card interest rates. In between, I had called 2 times to the customer care asking them to waive off this amount as it was a late fee only, not the actual amount; but they didn't listen to me. Then I told them I am ready to pay Rs 500 as its will spoil my credit history unnecessarily. But they insisted I pay the full amount , which had become around Rs 4000 now.

Now suddenly, without notice , they have transferred the amount Rs 4948.78 from my ICICI bank account (which unfortunately was linked to my credit card) to pay this credit card bill, and they call this banker's lien right. And 5 days after the transaction has already happened , I receive the written notice about this.

Pretty pathetic customer service. Will I get my money refunded, and somebody can talk to me about this , so that this gets settled in the proper way.

Hi Anuj,

We regret the inconvenience caused to you. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

Hi Natarajan,

Please write to us with your alternate contact number at [protected]@icicibank.com & we'll get back to you soon to resolve the issue.

Regards,
ICICI Bank Customer Service Team