[Resolved]  Icici Lombard — Fake Policies imposed on me and money debited illegally from my saving account

ICICI — ICICI credit card illegally debited money from my account

Before couple of years I have blocked my ICICI credit card and while blocking that, I clearly enquired the customer care rep that there is NO outstanding dues on the card. However, now 11,000rs is debited from my account saying that I need to clear the ICICI credit card oustanding amount. That is a complete shock to me !!! After enquiry I realized that -
* customer care rep has incorrectly mentioned me that there is NO outstanding dues.
* There was an ECS payment (for 2,000rs) on the day before I cleared the credit card bill. I was under impression that I've cleared the ECS payment. However, customer care rep has incorrectly provided me info that there is no dues.
* No one from ICICI dept has bothered to call me for these 2 years to mention about credit card bill..they said that they have been sending mails to my obsolete mail-id.
* Than, all of a sudden, they have debited amount without any prior-intimation.
* They are not ready for making any account settlement now - as they have already sucked my money from my savings bank.
* No one from ICICI is bothered that I will close my ICICI savings account - as I feel that ICICI is not a safe bank for my savings bank..anyone can debit anytime. They are least bothered about customer satisfation, though I have
ICICI bank are a real money suckers - they just want bussiness/money - not the customers though I have a very good old track record.

ICICI — ICICI Lombard and ICICI credit card departments debited money illegally from my saving account

Two to three years back I have taken ICICI credit card. Without my approval/agreement ICICI Lombard gave a policy on that credit card in 2007 and started charging monthly on the credit card. The credit card number is [protected]. I didn’t even know they have started the policy on credit card, unless I saw my credit card bills.

I do not even know the policy number also I did not receive any papers from ICICI Lombard. I have called at least 6 times to ICICI credit card department and ICICI Lombard people asking for clarification and revert back the amount. Both have blamed the other department and they have never worked on it.

I have even asked for cancellation of the policy, which they have been charging to my card, but they have said that we need to pay the full amount for the policy, which we never asked for. This is really absurd, paying for full amount for the policy which I never asked for. Because of this I even stopped using ICICI credit card.

In few months, the amount on credit card reached 10 thousand with late payment charges. Still both departments have not taken any action. Roughly every month, I got a call from ICICI credit card department for payment. Every time, I used to ask them for clarification on the policy. No one has taken any actions.

Yesterday (04/03/2010), suddenly 10,088.18 got debited from the savings/salary account (account number:[protected] to ICICI credit card towards the same ICICI Lombard policy. There is no intimation about the same. It’s really shocking to see someone can deduct amount from our savings account without our consent.

How can ICICI bank allow some other ICICI department people to do transactions without intimating? How can they access it at the first place. This creates a doubt that ICICI bank is not safe to keep money. Any department in ICICI can access and debit money without your knowledge.

I called, ICICI bank account department. They did not answer how other departments could access my savings account. I called ICICI credit card department. They mentioned, they can access my savings account but they can not contact ICICI Lombard.

From morning, ICICI Lombard toll free number [protected] is busy to answer by calls. I am opening a complaint in ICICI Lombard web site today regarding this.

All the departments in ICICI bank are playing with customer money and stealing it.
It’s really a shocking and shameful example of big branded bank like ICICI bank, with its sole motive to expand and grow at the cost of people's money. It also raises a big question on the security of human rights. In country like India, were we boast about individual's security, we find the big banks looting us and there is nothing done in this regard. Its not only me, I have found many other similar cases of fraud cases launched against ICICI Lombard in internet. Will there be any end to these? Should these banks be still given licenses to operate in our country? Could we at any stage feel secure?

Regards,
Vinod Nalla
Jyothi Residency,
IC Cross Kaggadaspura,
CV Raman Nagar,
Bangalore - 93
PH: [protected]

Dear Vinod,

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

Regards,
ICICI Customer Service Team.

Dear Praveen,

We regret the inconvenience caused.

Please write to us with your contact details and credit card number at [protected]@icicibank.com (Subject line: UID 270746). We'll contact you and wors to address your issue.

Regards,
ICICI Customer Service Team.