[Resolved] ICICI Bank Credit Cards — Not able to take loan due to CIBIL | |
My ICICI credit card No. is [protected], I was using this card from 2006. My total outstanding was debited from my icicibank account no[protected] in Nov 2007. as the amount of Rs.8000.00 is showing as a lein amount. I have visited Credit card branch at civil lines branch, Nagpur, to remove that lein amount and do the Final settlement of that credit card. I have also contacted Customer care of ICICI Credit cards so many times for this reason, but no action was taken over that. and till now i am getting there estatements of outstanding amount Rs.15000.00. As the amount is increasing day by day, I will not able to do even the settlement. Please help and suggest. Also I am not able to get loan from any bank as they had blacklisted me in CIBIL. Also suggest me how to remove name from CIBIl as a defaulter. Please take necessry action & do the needfull in my favour. Please reply. Thanking You Kishor Ramchand Jotwani. Was this information helpful? | |
Aug 13, 2020 Complaint marked as Resolved | |
 3 Comments | |
Comments
Respected Madam/Sir,
I am possessng an ICICI Bank Platinum Credit Card No. - [protected], since February, 2008. But on July 2008, when I paid the bill by cheque, it was returned and the payment was cancelled though there was sufficient amount in my savings account at that time. And, as I was not informed about the whole incident [I came to know about it only when i got the next bill], I couldnt pay that bill before the due date. So in the next bill [August 2008, Statement Date - 08/08/2008 ], some taxes, interest charges, cheque return fees and late payment fees were imposed on it.
I paid the principal amount and asked the customer care to revert back those taxes interest charges and late payment fees.
The same thing happened in the month of August also. My cheque was returned and I was not informed at all. Every time I had paid the principal amount and asked the customer care to revert back those taxes, interest charges, cheque return fees and late payment fees. But some taxes and interest charges still continued to be imposed.
They are giving the reason of signature mismatch in the cheque. With the same signature of mine it was accepted for a long time. But suddenly they started to cancel my cheques on the reason of signature mismatch and which was not intimated to me so that I could make the payment by the due dates.
And certainly it was not my fault as I was not informed about the return and cancellaton of that cheque I had paid on July and August of 2008.
If they are not accepting the signature then there might be only security reason... and they had not accepted the cheque doubting something [ by doubting, i mean to say, they could have thought that someone has done the signature illegally possessing my cheque book]... and in that case being a banker they should inform the customer about that immediately ---- where now-a-days giving that info is a matter of a second... still I was not informed...
They did not even send those returned cheques to me. After requesting that, I got those on November 2009, that too the photcopies of the cheques.
Secondly, I was told by one ICICI bank customer care executive that my Principal Amount of Rs. 180 was due for payment and if I pay that amount only then other taxes and charges will be reverted back. I got the call from some Mr. Aftab on 25th Nov, 2009. He called me from the nos. [protected] and [protected] from Kolkata. After which I paid the amount but I didn't get any confirmation mail.
When I called them and asked about it, then that customer care told that he was not aware of that matter.
So, now when I got the bill of Nov 2009, I found the amount to be Rs. 4001. I had already cleared the principal amount. Now they are not reverting back all the other charges and settle the matter.
This is a malpractice by the ICICI bank as well as their Credit Card department - they are intensionally returning the cheques paid for the bill giving the reason of signature mismatch - without informing the customer - so that they can add some extra amount in the next bill - whereas using the same signature I had paid many bills of ICICI Credit card earlier.
Now they are not replying to my mails also.
Madam/Sir, I would request you to look into the matter kindly and take necessary steps. I have already paid all the Principal Amounts till date.
I am possessng an ICICI Bank Platinum Credit Card No. - [protected], since February, 2008. But on July 2008, when I paid the bill by cheque, it was returned and the payment was cancelled though there was sufficient amount in my savings account at that time. And, as I was not informed about the whole incident [I came to know about it only when i got the next bill], I couldnt pay that bill before the due date. So in the next bill [August 2008, Statement Date - 08/08/2008 ], some taxes, interest charges, cheque return fees and late payment fees were imposed on it.
I paid the principal amount and asked the customer care to revert back those taxes interest charges and late payment fees.
The same thing happened in the month of August also. My cheque was returned and I was not informed at all. Every time I had paid the principal amount and asked the customer care to revert back those taxes, interest charges, cheque return fees and late payment fees. But some taxes and interest charges still continued to be imposed.
They are giving the reason of signature mismatch in the cheque. With the same signature of mine it was accepted for a long time. But suddenly they started to cancel my cheques on the reason of signature mismatch and which was not intimated to me so that I could make the payment by the due dates.
And certainly it was not my fault as I was not informed about the return and cancellaton of that cheque I had paid on July and August of 2008.
If they are not accepting the signature then there might be only security reason... and they had not accepted the cheque doubting something [ by doubting, i mean to say, they could have thought that someone has done the signature illegally possessing my cheque book]... and in that case being a banker they should inform the customer about that immediately ---- where now-a-days giving that info is a matter of a second... still I was not informed...
They did not even send those returned cheques to me. After requesting that, I got those on November 2009, that too the photcopies of the cheques.
Secondly, I was told by one ICICI bank customer care executive that my Principal Amount of Rs. 180 was due for payment and if I pay that amount only then other taxes and charges will be reverted back. I got the call from some Mr. Aftab on 25th Nov, 2009. He called me from the nos. [protected] and [protected] from Kolkata. After which I paid the amount but I didn't get any confirmation mail.
When I called them and asked about it, then that customer care told that he was not aware of that matter.
So, now when I got the bill of Nov 2009, I found the amount to be Rs. 4001. I had already cleared the principal amount. Now they are not reverting back all the other charges and settle the matter.
This is a malpractice by the ICICI bank as well as their Credit Card department - they are intensionally returning the cheques paid for the bill giving the reason of signature mismatch - without informing the customer - so that they can add some extra amount in the next bill - whereas using the same signature I had paid many bills of ICICI Credit card earlier.
Now they are not replying to my mails also.
Madam/Sir, I would request you to look into the matter kindly and take necessary steps. I have already paid all the Principal Amounts till date.
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I am possessng an ICICI Bank Platinum Credit Card No. - [protected], since February, 2008. But on July 2009, when I paid the bill by cheque, it was returned and the payment was cancelled though there was sufficient amount in my savings account at that time. And, as I was not informed about the whole incident [I came to know about it only when i got the next bill], I couldnt pay that bill before the due date. So in the next bill [August 2008, Statement Date - 08/08/2008 ], some taxes, interest charges, cheque return fees and late payment fees were imposed on it.
I paid the principal amount and asked the customer care to revert back those taxes interest charges and late payment fees.
The same thing happened in the month of August also. My cheque was returned and I was not informed at all. Every time I had paid the principal amount and asked the customer care to revert back those taxes, interest charges, cheque return fees and late payment fees. But some taxes and interest charges still continued to be imposed.
They are giving the reason of signature mismatch in the cheque. With the same signature of mine it was accepted for a long time. But suddenly they started to cancel my cheques on the reason of signature mismatch and which was not intimated to me so that I could make the payment by the due dates.
And certainly it was not my fault as I was not informed about the return and cancellaton of that cheque I had paid on July and August of 2008.
If they are not accepting the signature then there might be only security reason... and they had not accepted the cheque doubting something [ by doubting, i mean to say, they could have thought that someone has done the signature illegally possessing my cheque book]... and in that case being a banker they should inform the customer about that immediately ---- where now-a-days giving that info is a matter of a second... still I was not informed...
They did not even send those returned cheques to me. After requesting that, I got those on November 2009, that too the photcopies of the cheques.
Secondly, I was told by one ICICI bank customer care executive that my Principal Amount of Rs. 180 was due for payment and if I pay that amount only then other taxes and charges will be reverted back. I got the call from some Mr. Aftab on 25th Nov, 2009. He called me from the nos. [protected] and [protected] from Kolkata. After which I paid the amount but I didn't get any confirmation mail.
When I called them and asked about it, then that customer care told that he was not aware of that matter.
So, now when I got the bill of Nov 2009, I found the amount to be Rs. 4001. I had already cleared the principal amount. Now they are not reverting back all the other charges and settle the matter.
This is a malpractice by the ICICI bank as well as their Credit Card department - they are intensionally returning the cheques paid for the bill giving the reason of signature mismatch - without informing the customer - so that they can add some extra amount in the next bill - whereas using the same signature I had paid many bills of ICICI Credit card earlier.
Now they are not replying to my mails also.
Madam/Sir, I would request you to look into the matter kindly and take necessary steps. I have already paid all the Principal Amounts till date.