[Resolved]  ICICI Bank — Debiting the account 3 times in the same month for monthly installment without authorisation

Address:

Bangalore, Karnataka

Hi, I was relocating/travelling hence could not pay 1 of the installments on due date. I had kept the respective dept well informed that the amount would not go through regarding the same. I was advised by the customer care that nothing could be done and if it bounces their would be interest on daily basis until its paid. I would receive calls on daily basis even though I had kept them informed to when I would be making the payment. After excessive torture I was forced to make an online transfer towards the EMI with the help of call centre representative's(who guided me on how to transfer money online).I had requested them not to debit my account again as it would leave me with no money in the account to return back to bangalore. I was assured that there would not be another payment coming out in this month. 2 days later when I was trying to buy a return ticket to bangalore I realized that my account was debited twice. I called up the Call centre from the airport to sort it out. After 30 minutes of talking to supervisor, I was advised that they could not do anything to return my money until Tuesday. I was stranded in Delhi with no money to return until Tuesday. Finally the amount was put back into my account on Tuesday. I could not travel back even on Tuesday as flight tickets were expensive. I decide to return back on thusrday, when I was trying to buy the ticket online-yet once again, I realised that my account was debited towards the same car loan(3rd time). Being unable to avoid frustration had to buy AC tatkal train ticket-waste 2 days on travel and return to bangalore. The following week, I received couple of Feedback calls regarding the service. I did not want to complaint as i till furious and did not want to let go my anger on some call centre representative who had nothing to do with any of mis-transaction on my account. I was charged close to 12 to 13 thousand in excess for paying one of the EMI late. To keep in mind- I had made an honest attempt to keep the respective team informed that money would not go thru on the due date well before the due date due to my personal reasons. When a person is in trouble ICICI does its best to put that person in more deeper trouble is the take away for me. I believe that, when I am charged interest for not paying EMI on time(for creating inconvinience)- Company should share half of the burden caused to me during my handicap days from the time I was debited second time until my money was returned to me the final time- That is- one week's stay in delhi(unplanned)/accomodation/food/inconviniences/business loss..etc etc... I kindly request one of the respective manager to look into this seriously and take action to stop this from happening to others. ICICI car Loan number- LABNG[protected] email contact- [protected]@gmail.com