[Resolved]  ICICIcredit Card — misleading of your customer care personnel

Credit Card — Customer service

Hello
I am using Gold Plus card of Axis Bank
On receipt of my 1st statement I came across certain additional cost added
I have sent e-mail to customer care twice and asked for clarification but no reply
I have even asked for the payment across counter in axis bank near my office but no reply.
What sort of service can I expect from the bank where I am thinking of long term relation with the bank
Expecting your reply
With regards
Sagar

Parveen Sharma — Misuse of my credit card

my citibank credit card no. [protected] has been missued by parveen sharma, shop no. 04, opp indira market, sector-27, noida, uttar pradesh 201 301, mobile no. [protected] as per tax invoice no.[protected] dated 03.03.2008 for rs. 27140.00 and tax invoice no.[protected] dated 21.02.2008 for rs. 13730.00 issued by future bazaar india limited, mumbai, maharashtra-400010, these bills arranged and sent to me by citibank for payment.

but, i never have used my credit card in e-shopping, further i wish to inform you that these transactions have reversed earlier by the bank, but today i got a letter with attachments for debiting the earlier temporary credits.

please suggests me what i do, should i go with the police, because i am not in a possition to pay or bear these wrong debits

Ram Dhan Dhiman
citibank credit card no. [protected]
C-30, Sector-10, Noida 201 301

Personal — ICICI CREDIT CARD

Dear Sir,

Goodmorning!

The grieveince is regarding settlement of my ICICI credit card number [protected]. Sir, I rahul Jhaveri residence of Ahmedabad need to address my complain as under

1. I was Holder of Above mentioned credit card and due to some financial constrainsts I was not able to pay in Big amount. I use to pay in small amounts. Than It was decided ( mutually agreed) between mysefl and ICICI customer care - Ahmeabad office for the settlement of the same. The amount agreed was INR 38000 / - in 2 instalmentsas under

Immediate cheque of INR 4000/- &
1st cheque: INR 15000/-
2nd Cheque: INR 19000/-

The cheque of INR 4000/- got cleared as per the schedule, but they also debited extra 10240/- from my account without any intimation. Than after when I contacted them they regreted the same and then told me replace one of the cheques. even after such mistake from their side I agreed to do so. But due to reason known best to them they never turned up to get the cheques replaced. even after lot of follow up from my side they did not turn up. One fine day when they found time, MR. Nishants from Ahmedbad office cals me that he is depositibg the cheque of INR 15000/- as it was due, I rather tols him to deposit INR 19000/- and told / reminded him to get the other cheque of INR 15000/- replaced with cheque of INR 4760/- which I was liable to pay. The cheque of INR 19000/- too got cleared. Than fater I caled up Ahmedabad Represenatives many times but they never turned up get the cheque replaced.

Than all of a sudden my account is debited with INR 11000/- instead of INR 4760 for no reason.

Now in this whole case where is my fault???

I have sent them mails for the same and can be sant to you if needed.

I have requested them to credit my acocunt back for the excess amount they have debited, that too without any intimation. All thier repsentative had been contacted by me.

1. Mr. Ashish Park
2. Mr. Nishant &
3. Mr. Amit - ( whi has now left ICICI)

Can you please help in getting my money back?? Also please advice where can i send all the communications done till date with ICICI??

Looking forward towards your help!

Thanls & regards

Rahul Jhaveri
[protected]

ICICI Credit Card — Misleading the Customer

Hi,

I had a Credit card of ICICI and was using from last 2 years. In between i got a Imint card. Then i thought to get my reward points in Imint (and ICICI is offering the same) in future. For that i requested them to transfer my Points old/new to my imint card. They said that your card is not fulfilling the requirements for that and you have to take a new card (Gold Credit Card of ICICI) .Then i got agree to take that and i got it also. After some time i noticed that still my points are not going to my Imint card which i am earning now. then i again contacted them and told the whole story. Then they told me again that your card is not fulfilling the requirements for that because that card was given to you as ad on card under the old card and we can't transfer your points to Imint. Then i was feeling like fool that they wasted my 4 months in this processing and now again the problem is same for me. I was thinking that was it the way of marketing of their card. On the last conversation with Sanjoj from ICICI he straight way said that we can't do this and the talking manner was very rude and he accepected that "the mistake was done from their side."
Now if they commited a mistake then why a customer should suffer for that.
I have all the mail conversation of each and any stage. Please help/suggest me on the same.

Thanks
Rajiv Tuli

please cancel for Rs 30000/- (Rs. Thirty thousand only) on 29.04.2009 in my card no [protected] ref no 74477489120012469797256 for icici prudential life insurance
this is for your kind information and oblige
thanking you
yours faithfully
k.krishna

Dear Manager,

I am trying to reach to ICICI Bank customer care to resolve my credit card ([protected])issue...but Im unable to reach to you, either through your email ID [protected]@icicibank.com, since message delivery failure is reported and even through phone banking, they need PIN number, which I do not have since I dont use this card anymore. Below is my chail of emails, which i followed up from last year to resolve the issue, whereas the same is not addressed till now.


----- Message from T K Kumar <[protected]@apac.ko.com> on Sun, 17 May 2009 11:29:51 +[protected]
To: [protected]@icicibank.com
Subject: Fw: 'ICICICARE=[protected]' Fw: Hi..

Hi,

Please look at the below chain of e-mails, which I continued to pursue with your bank to settle my credit card account, but it is very unfortunate that even after repeated follow ups by the customer itself, no initiative taken to address the customer concern till now. Due to my job profile which entails very busy schedule along with travelling, i could not follow up on this issue and i assumed that ICICI bank would be more interested like me to close this issue soon. I realized few days before, when again i was applying for some credit card, and i was informed that my name is in CIBIL as defaulter, then it made me to realize that this issue is still open. Reviewing my previous e-mails revealed that post my email during August 2008, no reply from your bank or any grievance redressal action taken by ICICI bank till now.

I reiterate that I understand that If the card is used, then customer has to pay the same and as a genuine customer I will honour my liabilities with respect to the actual amount of card usage but why should I pay the liability posed on account of penal interest, late payment interest and compounded interest charges and other charges etc since I never received the statement of account since December 2004 onwards and neither i was aware of my actual liabilities (however you have already collected almost Rs. 21K during previous year from my parents from the card limit of Rs. 34K), in fact even after my followup with your bank for more than a year, I have not received any statement of account. For the complete issue...you may see in my below emails and hoping that your bank will listen and take the merit of customer concerns in resolving the issue.

I would like to mention again that Iam still a customer of ICICI bank by way of ICICI housing loan and I have been honoring my commitments promptly without any delays.

Please please please ...expedite this..im fed up already by this and wants to close this chapter. pl help me in closing in this asap. You can reach me over e-mail or at the below number (after 6.00pm).


Regards,
Kiran Kumar T
Associate Manager - COBC
Mobile[protected]



CONFIDENTIALITY NOTICE
This message (including any attachments) contains information that may be confidential. Unless you are the intended recipient (or authorized to receive for the intended recipient), you may not read, print, retain, use, copy, distribute or disclose to anyone the message or any information contained in the message. If you have received the message in error, please advise the sender by reply e-mail, and destroy all copies of the original message (including any attachments).

----- Forwarded by T K Kumar/IN/APAC/TCCC on 05/17/2009 10:47 AM ----- From: T K Kumar/IN/APAC/TCCC
To: "Customer Care" <[protected]@icicibank.com>
Date: 08/12/2008 12:15 PM
Subject: RE:'ICICICARE=[protected]' Fw: Hi..



Hi,

Iam still waiting for your response on the below issue and it is more than 3 weeks from your last mail. Because of no genuine reason, my name is appearing as a CIBIL defaulter which you have to let me know how to clear the same.


Please expedite the case so that can I close this issue.


Regards,
Kiran Kumar T
Associate Manager - COBC
Corporate Audit Department
Coca Cola India
Mobile[protected]


"Customer Care" <[protected]@icicibank.com>
07/19/2008 05:39 PM

To
T K Kumar/IN/APAC/[protected]@TCCC
cc

Subject
RE:'ICICICARE=[protected]' Fw: Hi..








Dear Mr. Kumar,

We inform that we have initiated a request for the settlement of the card dues with the service request number SR73480880.

Your request will be processed on or before July 28, 2008.

We like to inform that customer's name will never be removed from the CIBIL list even after the payment of the dues.

However, the repayment string in the CIBIL will be updated with the payment details.

Looking forward to your kind co-operation.


For your safety DO NOT:

Never give away your card details or account details in response to mails that offer free gifts or lottery winnings.

Sincerely,

B Upendra Kumar
Customer Service Officer
ICICI Bank Limited

Credit Cards Fees structure is changed w.e.f. 1st June, 08. For details visit www.icicibank.com>Personal Banking >Cards> Credit Cards > Most Important Terms and Conditions.

Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking >Cards> View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records. To do this, please download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank


-----Original Message-----
From: T K Kumar ([protected]@apac.ko.com)
Date: Thursday, July 17, 2008 11:23 AM
To: Customer Care ([protected]@icicibank.com)
Subject: RE: Fw: Hi..

Hi Madhavi,


Iam surprized to get this kind of response from you wherein you have not at all addressed about the issues i have reported and what course bank is going to resolve the same. Does this mean that ICICI Bank do not want to listen to customer concerns and resolve the Issue, if so please let me know, then I may resort for other course where my grievances will be listen. The liability you have mentioned is not acceptable on account of the reasons I have earlier mentioned. I do understand that If the card is used, then customer has to pay the same and as a genuine customer I will honour my liabilities with respect to the actual amount of card usage but why should I pay the liability posed on account of penal interest and compunded interest charges and other charges etc since I never received the statement of account since December 2004 onwards. Further the payments which you have received so far was just 5% of the balance (minimum amount), I hope you must realize the fact that nobody would like to pay 5% minimum continously and then take a 2.95% interest permonth on the balance which effectively nullifies my payment and this happened due to the fact that I was never informed about the actual liability, other wise I would have paid the entire amount in lumpsump and the 5% amount was automatically unknowlingly got deducted from the ICICI account balance.

Further you have not also mentioned the reason for withdrawl of my request for removal of my name from CIBIL. I need to close this issue and also make sure my name is removed since the reason for non payments are already explained below.

I have tried to contact Mr. B Godi at the number given below but either I am getting phone to be always engaged or no body picking up the call. I have to resolve this issue on a priority and hoping to listen a positive consideration on the my issues.


Regards,
Kiran Kumar T
Associate Manager - COBC
Mobile - [protected]




"Customer Care" <[protected]@icicibank.com>
07/14/2008 06:38 PM


To
T K Kumar/IN/APAC/[protected]@TCCC
cc

Subject
RE:'ICICICARE=[protected]' Fw: Hi..










Dear Mr.Kumar,

We regret our inability to accept your request for removal of name from CIBIL and we inform that credit card account 5177 XXXX XXXX 9009 has been deactivated and amount outstanding of Rs. 89, 979.26 is payable by you.

. We request you to contact the collections manager at the following address for settlement of dues on your credit card account.

Contact Person: Godi B

Contact Address:
ICICI Bank Ltd, Jvl Towers, Opp State Assembely, Saifabad, Hyderabad-500004

Contact Numbers:[protected]

For further clarification, please contact us through the "E-mail Us" option at our website, www.icicibank.com.

Sincerely,

Madhavi G
Customer Service Manager
ICICI Bank Limited

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records. To do this, please download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.



-----Original Message-----
From: T K Kumar ([protected]@apac.ko.com)
Date: Saturday, July 12, 2008 10:18 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Fw: Hi..



Hi,

This is in continuation with the below mentioned e-mail for which I am still expecting response you. This is to mentioned that I have got shock last month when I have approached for a car loan from HDFC bank and they informed that my name is appearing as default customer at CBIL on account of this credit card. How can you do like this with a customer who is associated with your bank since many years and also promptly remitting all other dues (housing loan, Personal loan ) and also my wife's housing loan. This is ridiculous instead of resolving this issue, you have effected my credibility in the market.

Please please and please resolve this issue and also required to take back my name from CIBIL as defaulter.

Further once again iam giving my contact details below:

T. Kiran Kumar
Flat No 153, Abhiyaan Apartments,
Plot No 15, Sector 12, Dwarka
New Delhi - 110075

Please let me know if you need any other information from my end. Expecting early response from your end and a early resolving of this issue.


Kiran Kumar T
Associate Manager - COBC
Mobile[protected]

----- Forwarded by T K Kumar/IN/APAC/TCCC on 07/11/2008 06:50 PM -----

T K Kumar/IN/APAC/TCCC
06/11/2008 06:49 PM


To
[protected]@icicibank.com
cc

Subject
Fw: Hi..


Hi,


This is with respect to my ICICI bank credit card No. [protected]. I have deep concerns on the dues reported against this credit card which is not yet resolved so far. This mail is being written with utmost expectation that the concerns of your customer is heard.

The above mentioned credit card was issued to me sometime during 2004, post November 2004 onwards, I shifted to Bangalore city and accordingly I have communicated to ICICI customer care about my change of address, however no actions was taken since then I have not received a single statement of account so far. As a matter of fact, I hold several other credit cards as well and based on the statment of account I am clearing all my dues however with respect this card (a) I think i have used this card not more than twice or thrice so far (b) never got to know the amount due since statement of account never send, hence I could not make the payments, however to my surprise, the ICICI bank has never took up the issue of non payment since 5% of the minimum card due amount was always being debited to my ICICI account (may be that this card has ECS facility) and I was not aware of this fact untill 2007 when the balance in this account was not sufficient and ECS did not happened and ICICI bank associates had touched base with my parents. The point I want to meniton here is that my salary account is with HDFC from Decemeber 2004 onwards and I used to transfer certain funds for my parents on a monthly basis to my ICICI account and I never reviewed this account balance hence the above fact of 5% ECS debit remain unknown to me.

During August 2007 end, ICICI collection associates had called up my parents for the amount due and they provided my contact details of Delhi, when they had contacted us, we asked for the statment of account, since we were not aware of the balance to be paid, they provided false promise of providing the complete details only after remitting the current month minimum due and colletion cash of Rs. 6200 but again i have not received the statment. Once again for few months the minimum amount got automatically debited from my ICICI account and later when I realized that why the account balance is short even after transferring the funds and I stopped transferring funds to ICICI account since even on my repeated request I have not got the statement of account and your bank has utilized the facility of ECS. Then again ICICI assocaite had approaced my parents, instead to me for making payment and we again requested us to send us the details, but they once again given false promise to send the details but only after reimitting the minimum balance of Rs. 6100 and I asked them to use ECS for that month (ie. January 2008) since I will make the funds available. But even after receiving the funds the story remain the same.

Later there was numerous calls happened between you bank associates and myself and in every call I have requested them to atleast send my a email copy of statemnt of account to my know principal balance and also the complete mailing address of delhi . I also informed that I will not be paying any penal interst charges and any other levy since I was completely unaware of the balance. Also given my mobile number, email ID and address of communication of Delhi. But since as a genuine customer i was expecting a positive reponse but instead of that suddently i got a call stating my due are 74K, and I need to payfor it and no details were provided.

Please find below the email which was send to Mr. Satish, Collections manager and where in I have written first email based on the limited knowledge about the above issue (as I did not have any details with me) and on the same day Mr. Satish had checked the details and accepted that the statement of acccount was not served to me hence he forwarded a monthly details just from July 07 onwards. It was surprise to me that my card limit is Rs. 34000 whereas my liability was Rs. 74K. I request him to provide the my principal due but he could not provide the same. Since it is pretty evident the balance which has gone up to 74K is only the interest, penal interest and compounded interest. He offered my that he had reduce 22K from the current balance and pay Rs. 52K. I am very surprised that even after remmitting unknowingly Rs. 21k (Jul 07 to Jan 07) my principal has not reduced due to the inappropriate debit of compunded interest charges. I requested him to let me know the principal due amount which I will pay and would like to close the card since I am not at all using the same and infact this card is adding mental tension to my parents since you bank is always calling to my parents intead to me. But he expressed his inability to do any further on this and suggested to write e-mail to customer care. Hence forth I am writing this e-mail but the reason for delay in sending this mail is that my job entails frequent travelling to all over India hence could not send it immediately post discussion with Mr. Satish.

I would also like to mentioned that I am a customer with ICICI bank with almost 8 years and this is first time where I am facing very bad time. With respect to my credibility, I have promptly repaid a personal loan taken from your bank, further I have preclosed a Rs. 11 lac housing loan within two years (where the tenure is for 20 years) further I still hold a housing loan (Rs. 15 lacs) for which Iam remitting Rs. 15371 per month very promptly.

Request you to please look into the matter and expect to listen soon a positive response. Hope you will consider your customers greivance.


Regards,
Kiran Kumar T
Associate Manager - COBC
Mobile[protected]

----- Forwarded by T K Kumar/IN/APAC/TCCC on 07/11/2008 05:42 PM -----

T K Kumar/IN/APAC/TCCC
06/04/2008 02:27 PM


To
sreeramulu.[protected]@icicibank.com
cc

Subject
Hi..











Dear Sreeram/Satish,

This mail is from my official E-mail ID. As discussed with you about the non reciept of statement of account from more than 9 months even after giving the new address, E-mail ID and telephone number. This is to mention you again that last three/four payments which were collected from me were based on the false committment from your staff that the details will be provided later. I have received many calls during last three to four months and even after repeated mentioning that I need the details of my dues since I have not used this card from last one year, but till now nothing has happened. This is the request to send me the clear details of principal amount due on my card with date of transaction to understand it better.

Hope you acknowledge the above and as a esteemed organization would listen to the customer concern.



Thanks and Regards,
Kiran Kumar T
Associate Manager - COBC
Mobile[protected]

Dear Sir,

I Shibu Paul going to use my ATM Card no: [protected] in your ATM Counter on[protected], I put my password and withdraw amount of Rs, 3000/=, money will come but as soon as the money return to your to your machine back, I cannat collect my money, bur the balance have cutted off, my a/c no:[protected] in the name of Shibu Paul, Dhekiajuli, Assam,

Sir, kindly deposit my money in the same of my account

Shibu Paul
Dhekiajuli
A/c No:[protected]

Dear Sir,

I Shibu Paul going to use my ATM Card no: [protected] in your ATM Counter(Tezpur, Assam) on[protected], I put my password and withdraw amount of Rs, 3000/=, money will come from machine but as soon as the money return to your machine back, I cannat collect my money, but the balance have shown Rs 3000/= have deducted, my a/c no:[protected] in the name of Shibu Paul, Dhekiajuli, Assam,

Sir, kindly deposit my money in the same of my account

Shibu Paul
Dhekiajuli
A/c No:[protected]

To
Customer Service Manager
ICICI Customer Care

Dear Sir,

Reference to my prevoius letter still I have not got any information about my ATM Card no: [protected] in your ATM Counter(Tezpur, Assam) on[protected], I put my password and withdraw amount of Rs, 3000/=, money will come fromyour ATM machine but as soon as the money return to your machine back, I cannot collect my money, but the balance have shown deductedof Rs 3000/=, my a/c no:[protected] in the name of Shibu Paul, Dhekiajuli, Assam,

Sir, kindly deposit my money in the same of my account at the earlies & oblige.
Thanking You

Shibu Paul
Dhekiajuli
Mobile No: [protected]
A/c No:[protected]

Dear Manager
ICICI credid Card,

Dear Sir,

Sudha Rani.M Customer Support Teamb ICICI LOMBARD intimated thrice that Rs. 17549/- refunded to my credit card account Number :[protected] on 10-Oct-08. But I have been informed that that have accoutfor. I have been informed that my balace amount Is Rs. 9075.14. I have use the in any other transjaction. How Rs. 9075.14 is due in my account it is better known toyou. Every month I am paying montly amout. Rather my money in your account. You should refund with interest. I could not understand where the my money goes. In support I have enclosed the copy of mail recived from ICICI LOMBARD. Please look in the matter and settel the matter very early. In the mean time i received a call from your end that my card has been blocked and to pay Rs. 9075.14. Once again I request you to settel the issue.
Copy mail receive from ICICI LOMBARD deffent date enclosed herewith.


RE:'ICICILom=[protected]' Non - acceptance proposal for health policy Inbox
CustomerSupport Mon, May 11, 2009 at 4:27 PM

SWAPAN MAJUMDER Wed, May 20, 2009 at 10:50 AM

CustomerSupport Tue, May 26, 2009 at 3:20 PM

SWAPAN MAJUMDER Thu, May 28, 2009 at 3:46 PM

CustomerSupport Mon, Jun 1, 2009 at 4:41 PM
To: [protected]@gmail.com
Reply | Reply to all | Forward | Print | Delete | Show original
Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
your policy has been cancelled and refund has been processed, we request you to please check your october 2008 statement, so that you can find the refund details.
Please find the refund details below
Refund Date : 10-Oct-08
Refund Amount: Rs-17549/-
Refund Mode : Credit card
Credit Card Number :[protected]
For any further assistance, please feel free to write to us.
We thank you for your patience and co-operation.

RE:'ICICILom=[protected]' Non - acceptance proposal for health policy Inbox
CustomerSupport Mon, May 11, 2009 at 4:27 PM
To: [protected]@gmail.com
Reply | Reply to all | Forward | Print | Delete | Show original
Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
With reference to Your mail we would like to inform you that, your policy has been cancelled and refund has been processed as per your request.
Please find the refund details below
Refund Date : 10-Oct-2008
Refund Amount: Rs.17549/-
Refund Mode : Credit card
Credit Card Number:[protected]
For any further assistance, please feel free to write to us.
We thank you for your patience and co-operation.
Regards,
Sudha Rani.M
Customer Support Team

Reply | Reply to all | Forward | Print | Delete | Show original


SWAPAN MAJUMDER Wed, May 20, 2009 at 10:50 AM

CustomerSupport Tue, May 26, 2009 at 3:20 PM

SWAPAN MAJUMDER Thu, May 28, 2009 at 3:46 PM

CustomerSupport Mon, Jun 1, 2009 at 4:41 PM
To: [protected]@gmail.com
Reply | Reply to all | Forward | Print | Delete | Show original
Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
your policy has been cancelled and refund has been processed, we request you to please check your october 2008 statement, so that you can find the refund details.
Please find the refund details below
Refund Date : 10-Oct-08
Refund Amount: Rs-17549/-
Refund Mode : Credit card
Credit Card Number :[protected]
For any further assistance, please feel free to write to us.
We thank you for your patience and co-operation.

- Show quoted text -




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Hi Madhu, I am facing a similar situation.Infact in my case the mail to customer care has bounced.I had informed the bank of a possible fraud as i have received an sms of a fictitious trx but the same did not reflect in my account on that day(e-statement-online).The customer care online told me that it would not materialise and it would not reflect.However inspite of the assurance the same reflected in my account withun 46 hours.Now i am being taken for a ride.

IU DONT KNIW WHAT TO DO.

hello Rahul,

I faced the same situation, there was no response from ICICI, i took legal help and upon draging the bank to legal court, they immediately returned the money.What I feel that these banks feel that innocent citizens cant take legal help and also they think that innocent people dont keep thier re cords intact.


Pankaj Jain

Dear Madam/Sir,

Pls send the which date of birth mentioned in my application form
actual my date of birth 10.06.1977, but at the time of cderit card usage DOB is must required.

Pls send the details asap

my mobile no.[protected]

On 12 July 2009, I made a transaction of Rs 22000/- (ref No 74182279194000000023300) with Holiday Home Makers through your credit card. I was told that as per arrangement with ICICI Bank amount will be repayable in 9 installments with due interest thereon. After 01 or 02 days, I got a confirmation call from your Bank informing me that amount of Rs 22000/- would be recovered in 9 equal installments and interest of Rs 2100/- (appx) would be charged thereon. However, to my utter surprise, the entire amount of Rs 22000/- is included for the payment in my credit card statement for the period 13 July 2009 to 12 August 2009. When I contacted to customer care of the Bank, I was told that Bank has discontinued the above facility and as such I am required to pay entire amount at once on due date. Now, question arises here is that when Bank has already extended the facility how and why it was withdrawn abruptly without informing me, causing enormous inconvenience to me and other customers like me. It just seems that Bank is resorting such undesirable practices just to make the regular customers, defaulters and earn hefty interest to increase the profitability, which are fully against the established laws and practice of the Banking.

I would like mention that I am not only holding Credit Card but also availing your following services:-

Demat account with Saving Bank Account
Regular Savings Bank Account with ATM Card
Insurance Holder for two Vehicles
ICICI Prudential Life Insurance (Life Stage Pension with annual premium of Rs 1.00 lakh)

I have also been identified as "Privileged" customer by the Bank. However, such tall claims of the Bank for efficient services remain on the papers only and in reality no such things are experienced. I may now please be informed reasons for resorting such fraudulent practice by the Bank and hope not to repeat such instances in future to continue our relationship. I am also writing to Banking Ombudsman in the matter to make them aware.

(G M Somavanshi)
Mob No [protected] (email - [protected]@yahoo.com)

To
ICICI bank Credit card.

Sir / Madam

Requiest to you My credit card no. is [protected], from our side by mistakely wrong cheque date write so, chq.is retured & interest charged,
Please I requiest to you revesed a interest charges not happing next time

I hope you take my requiest

Thanking You,

sir,
i inform that you i hold last three years you credit card but last six month some problem in your sides
you give me loan but not credit my account you charges emi and late payment fees i want pls solved
my problems my credit card no is [protected] you not send statmenet last two month i want
you solved my problem and start yours credit cards pls give me reply my mail id
thank you

I have lost my ICICI credit card.and the card no is :[protected], kindly block my card for mis use of others.The out standing balance will be paid soon, And I always receive my statment after the due date, One of you agent Name:Gafur, Cel No:[protected], from Mumbai, calling us and giving wrong information, and he doesn't know the meaning of credit card, such people working with you it will spoil your orgnization reputation.

Thanks.

Nilesh.

sir,

I am holding Kotak Credit card bearing card No. [protected] and also savings account with them. In Aug month i had taken a balance transfer of Rs.30, 100/- with all procesing fees and intrest amounted to Rs.2000/- with other amount out standing Rs.34000/-. I was paying regularly minimum payment to them, but suddenly they cancel my BT and telling me to pay total outstanding of Rs, 61000/- immediately, by blocking my FUNDS IN SAVINGS BANK ACCOUNT WHICH RESULTED MY ECS RETURNED BACK THIS MONTH.

I Had been contact with their Nodal officers by mail, to pass my ECS DEBIT for which i had deposited sufficient funds lying in my SB ACCOUNT, but this bank doesnt take care of the customer and just they blackmailing me from last two months by holding funds from my saving account with out even showing credits in my credit account account. They make me defaulted by telling me they will automatically credits my card account funds which they holded. Now from oct, 03 they again funds holded from my SB ACCOUNT illegally and telling me they had rights to hold by showing cards agreement. This bank is just blackmailing the sb account holder telling me to pay whole amount immediately to PASS A ECS IN SAVING ACCOUNT..

Now my ECS had been returned by this bank knowingly and delibrately by which my crediblity has been spoiled by this bank brutual service to the customer and inspite of free funds avalible in my sb account to clear ecs, they had billed ecs returned debit charges to me without honouring ecs of other bank.

suggest me what should i do know, collection people troubling me day night and threatning to take action,

regards

Hakeem
[protected]

sir,

I am holding Kotak Credit card bearing card No. [protected] and also savings account with them I was requesting them from last two weeks to honour my ECS which was going to hit my sb account and they keep totall funds blocked from my sb account and showing door towards their collection manager to contact him to relaease my funds or to clear my ECS. This bank had nothing to do with customers dignity or vlaue, just they want money by force and blackmailing the customer by holding funds delibrately. This goonda service is contuing and no respite to me and now i had to pay ECS RETURN CHARGES TO BEAR THEM ALSO WHICH THEY DIDNT HONOUR MY ECS EVEN THOUGH FUNDS ARE AVAILABE..

This bank is very poor in service on phone, by mails and nodal officer doesnt reply to the customer mails. They want money immediately of total outstanding after they cancelled my Balance transfer for which i had paid 2000/- processing fees. This bank is telling me to contact and settled the issue with their Collection manager when i had been requesting them to Honour my ECS this month, which they had returned back delibrately even funds are there to honour.

why the saving account had been delibrately blocking by the banks by which ECS transction is effected even after customer requested to honour .. Please tell what should i do know, their goons are after me day night to settle full amount immediately by blocking funs in sb account..

regards
Hakeem
[protected]

Sir,

Still they doesnt bother to reply and debited again the ECS return charges of Rs.202*, it is shameful to see to collect charges of return ECS without honouring my ECS even i had sufficent funds well before date . I had been begging and requesting them to release the hold funds and clear my ECS hitting my sb account to keep my track record of paying good and well with other bank. Now they had delibrately RETUNED THE ECS without carring the customers plea in sake of collecting credit amount by hook or cook method. I had actually paid Rs.10.000/- minimum amount as per this month statement, they had cancelled my BT and want full amount to be paid immediately to pass a ECS which is very CRITICAL INSTRUMENT to a customer who does banking with a bank. This bank doesnt have any answer and their officers are helpless to the customers, when i had been requesting from last two weeks, and just washing their hands to go to COLLECTION DEPARTMENT managers, executives who are making days and nights nightmare by calling and telling me to pay full amout.

I had been charges ECS return charges by other bank for not honouring my commitment of paying ECS by this bank and lost creditbility and they will show in CIBIL and customers had to suffer their creditiblity. Suggest me what i have to do know to clear my name in CIBIL and ECS was not honour delibrately block by this bank.

regards
Hakeem
[protected]