[Resolved]  ICICIcredit Card — Credit Card Fraud

Dear sir/Madam,

This is in regards to the ICICI Bank fraud. I have a S/f A/c with ICICI bank and unfortunately a Credit card too, When I checked my balance some months ago I found that ICICI Credit card department has debited my A/c by Rs. 11009, toward my credit card settlement which was supposed to be Rs.2500. Without my prior Permission. It seems to me that due to the recession ICICI is taking peoples hard earn money to show the profits. They are just disobeying RBI guidelines.

The reason I have requested ICICI to close my Credit Card as I was not satisfied with the services of ICICI. As in the past I called to ICICI Cus Care and talked to Ms. Rashmi as per her request I had paid Rs 2500 (Rs 2000 Bill + 500/ Late payment fees) to make my balance nill. Instead of paying full amount and several complaint (eg: Complaint Number :[protected] every month ICICI is putting Rs 500/- for late payment. I don’t understand which kind of late payment was that. This is a kind of fraud now a days Credit card companies are doing to survive, is this is the right way ?

I did complaint regarding this to customer care then it has been told to me to pay Rs 250/- to close the account, though Rs 250 /- should not be charged from me as there was no fault of mine then also I thought I will pay out this and will think that this was the fee I had paid to ICICI to give me settlement letter, but I was wrong ICICI intention was not this I I had paid the amount of Rs 250/- also with the application to Bank manager ICICI GK-1 Delhi. Then I asked cust care executive to let me know the status of Rs 250/- .

Now they were saying to pay again a 2500 for full and Final settlement. I had no issues pay it again as I have initiated the settlement from my side. Next thing shocked me when I came to know that ICICI had debited my s/f a/c by Rs11009/- without my prior permission and intimation. I don’t know what kind of banking is this and what kind of executive they have. This was the mistake of the customer care executive as he misunderstood my intention over phone, towards the status of Rs.250/- but then also I didn’t understand why they have debited Rs11009/- toward which charges. After that I called to customer care and asked for the explanation they didn’t responded and rudely told me that they can’t do anything in this matter.

I just wanted to know how can a bank debit their customers account and who gives then this kind of authority that they can simply trouble their customer, banks are here to provide the services not to trouble people,

Sir, I am looking for the justice, I hope you could help me.

Kind Regards,
Akash Bartaria
Mobile Number- +91-[protected]


Please find below the mail trail :



Order wise mail trail :
1.
Branch Id : 0029
To,
Bank Manager
ICICI Bank

Sub : Making my credit card Balance NIL (credit card no : *************1006 ).

Dear Sir,
As I have already paid my last payment of Rs. 2000 + Rs 500 ( Late payment charge ) = Rs.2500 and after that it was promised, to make my credit card balance NIL ( Rs. 0) by some of you payment collector ( Ms. Rashmi ) , but till date it is not cleared. And above all you are charging extra late payment fees of Rs. 500 continuously from past 6-7 months I suppose, despite of my complaint several times ( eg: Complaint Number :[protected]. I am again paying the sum of Rs. 250 as per the request made by ICICI payment collector executives, so that they will make my balance NIL.Hoping that it will be fruitful to pay this extra money, to make my balance clear.

Best Regards
Akash Bartaria

(1)
Mr. Barthria
As per SR81958040, we request you to kindly contact Sanchita on Mobile Number [protected] for settlement of dues on credit card account 4477 XXXX XXXX 1006.
Sincerely,
VENKATNATHAN
Account Manager
ICICI Bank Limited
(2)
Dear Mr. Barthria,
We have initiated a request for the settlement of dues on your credit card on priority with the Service Reference number SR92121673. We will revert to you with the status by January 09, 2009.
Sincerely,
MADHAVI VINJAMURI
Account Manager
ICICI Bank Limited
(3)
Dear Mr. Barthria,
As per the confirmation from collections, the settlement was offered for an amount of Rs. 2250 in 1 installment to settle your credit card account. As the settlement was not accepted we request you to kindly check and confirm if you wish to go for settlement.
The settlement on the credit card is totally under the perview of collection department and we are not unauthorized for settlement.

Sincerely
Gauri Pewekar
Customer Service Executive
ICICI Bank Limited

(4)
I have already confirmed that i want the settlement many times..i was only asking for the status of rs. 250 tht i have paid earlier with the application to Bank manager ICICI GK-1 Delhi.
Settlement is what i intiated , i have already confirmed on phone...its the mistake of your collection department who misunderstood my statement,....
Now you have deducted 11009 rs. w/o my prior permission from my BAnk Account...
HOW CAN YOU DO THIS ???
If i am already agree with 2500 settlemet how can u be so careless to confirm and ask before the direct deduction from my Bank acocunt...Kindly explain...??
This is the case against bank maager of GK-1 delhi, that how can you people deduct any sort of amount without my permission....
Then whats the use of security. Any one can come and deduct from my bank account.
I am again requesting credited the amount of rs 11009 in my bank account again and as i have stated many times, m ready for settlement at any time..and deduct 2500 instead of 11009....
Otherwise i have to complaint for this fraud ??
Akash Bartaria
(5)
Branch Id : 0029
Dear Sir,
Pls let know how can u deduct Rs. 11,009 dated on 02 28/03/2009 without my permission. I havnt received not a single prior intimation that 11009 will be deducted from my account for my credit card....
Pls explain....how can you people touch or deduct any amount without prior my permission ?????
Regards
Akash Bartaria
Mobile Number- +91-[protected]