I was having ICICI Credit Card No 5176377004179007 which was shown unsettlement for CIBIL Credit Information Report.
When my service transferred from Chennai to Cochin in September 2005 I have settled my Credit Card vide your money receipt No.CC 0505 0407804, Branch 85 dt 17.09.2005 ( copy enclosed). Your ICICI Officer used to call me several times in September 2005 and he promised full and final settlement for Rs. 7500/- I have agreed for this amount because I want to go to Cochin Immediately. He told me that ICICI Bank Representative will come with Settlement Letter on 17.09.2005 at my Office to collect Rs. 7500/- towards full and final settlement of my Credit Card. On 17.09.2005 your Collection Agency (AACE, Chennai) representative Mr. Rahman came to our Office without settlement Letter. Mr. Rahman told me that he has forgot the Settlement Letter in his office which will be sent by Courier to me. On my good faith to ICICI Bank I have paid Rs. 7500/-by Cash towards full and final settlement of my Credit Card with covering letter dated 17.09.2005. I have return my Credit Card duly destroyed with covering letter which he has accepted. Till today I have not received the settlement letter from you. Several time I have phoned to the ICICI Officer and the Collection Agency They were not attending my telephone or they were telling that ICICI Officer was transferred to Bangalore or Mumbai. Since I was in Cochin upto March 2009 I could not contact.
I have applied Personal Loan for Emergency Operation of my Father in Law in Oct 2008. The Bank was rejected my application due to negative information of my Credit Report of CIBIL which I am not aware. My father in law was expired without getting medical treatment for want of money.
Again I have applied Educational Loan for my Son for B.E.Engineering in August 2009, that loan also rejected by Bank and he could not study in Engineering.
Under the circumstance I have request my Credit Information Report from CIBIL directly
I have surprised that my name in defaulters list of CIBIL due to non payment of my ICICI Credit Card of Rs. 9432.67. Inspite of this wrong information I have paid Rs.9433/- to your Ambathur Branch, Chennai on 21.05.2010 and cleared all my dues.
Now my life is miserable. How ICICI Bank can spoil my life by way of Credit Card. How this type false information given to the Card Holder. Your ICICI Bank Officer and Mr. Rahman of M/s.AACE Agency cheated me by giving wrong information and advise and spoil my life and put me in dark. Who authorise him to collect my Credit Card with out settlement.
I am afraiding that what will be my liability after 5 years for this Credit Card
At least favour me by informing to CIBIL at an early date to update my Credit Information Report