ICICIcredit Card — Refund of payment charged on ICICI credit card

Dear Sir,

I had been using ICICI credit card since last several years. On my credit card I was availing the electronic payment facility of three numbers o[censored]tility bills (one MTNL, one NDPL and one Idea Mobile) through credit card. My earlier card number was [protected] which was valid up to March 2009 and on which the Annual bill charges of Rs. 100 and Billpay charges- Gold of Rs. 75 were charged in the month of January, 2009, reflected in my credit card statement dated 19/02/2009. (copy can be produced as reference).

The above said credit card was renewed by ICICI with a new card of validity from March 7, 2009 bearing number [protected] and ICICI was electronically debiting the spent amount on my new credit card from my same bank account as it was debiting earlier electronically.

In the month of April 2009, I found that my bills have not been paid through my credit card and the phone facility was withdrawn on my land line MTNL number. When I contacted customer care official of bank, I was told that the bill payment facility can be activated further on my request and
I have to pay the unpaid bills and the penalty at my own.

I would like to submit that I was receiving regular messages on my mobile that the bills will be processed through my credit card. The details of the messages is given as below:

Message received on 04.05.09 that the Idea bill will be processed on 13.05.09
Message received on 19.05.09 that the MTNL bill will be processed on 29.05.09
(if desired, can be produced as reference)

I was really surprised to note that in spite of charging annual fee on my credit card for the bill payment facility for the whole year and regularly sending messages from the bank system for processing bill payment as usual, my MTNL, Idea & NDPL bills were not paid and I was deprived with the facilities by MTNL.

Even after my regular follow up with the bank officials, I could not convenience them and finally I stopped all the transaction on the ICICI credit card because I do not want to continue to be a credit card holder of such a bank who does not listen to his customer and put them in all sorts of troubles. I sent them written request for canceling credit card immediately from May 26, 2009.

On receiving the message from ICICI bank, dated May 27, 2009, for deactivation of the visa bill pay facility on my credit card [protected], I requested to the bank to kindly reverse the annual fee charges of Rs. 175 imposed against the bill payment facility reflected in my credit card statement of 19/02/09 as I could avail this facility only for three months from January to March. The annual payment was made with the intention that I will avail this facility throughout the year but unfortunately I could not continue due to nonpayment of bills for the month of April, 2009 onwards. Due to the non-payments of these bills I got penalized financially as well as deprived the facility by the service providers like MTNL.

My request for reversal of annual bill pay charges of Rs. 175 levied for the visa bill pay services was duly accepted by the bank, vide their e-mail dated May 29, 2009, confirming the reversal within 8 working days.

In spite of my regular follow up with the bank, I could not get my money back till date and recently in their last communication, dated August 20, 2009, bank has showed its inability to process my request for reversal of bill pay charges levied as an annual fee.

I would be grateful if you kindly look into the matter and allow getting me the justice in the form of reversal of my hard earned money from the bank. I hope that the financial loss and mental harassment I encountered during the last couple of months should also be compensated appropriately and the justice will be provided to the consumer so that such bank like ICICI would not take such a liberty to dare to deceive their clients in future.


Looking forward to have your kind consideration on my complaint.


Thanking you


Dr. Ajay Kumar
Grieved Consumer of ICICI Bank
A-5, Shriram Institute For Industrial Research
19, University Road
Delhi 110007
Ph.[protected], Mob. [protected]