[Resolved]  ICICI Bank — Irrelevant charges on my credit card

Address:

Pune, Maharashtra

While I viewed my ICICI credit card statement for current month, I saw that I have charged Rs. 100 as fees for Duplicate statement of credit card and above that there was service charge of Rs. 12.36 for this. Moreover, this was charged twice in the same month. This transaction in statement was suspicious to me, hence I dropped a mail to ICICI([protected]@icicibank.com, customer.[protected]@icicibank.com) on 15th Nov, 2014 describing that charges are irrelevant. Hence, I received a reply from ICICI on 18th Nov, 2014 saying that charges cant be reversed as they have been charged against request for physical statement. This thing went over my head since, first I never requested for statement and neither I received any and secondly how can the charges for physical statement be charged twice in a month. Hence I asked for more details on 18th Nov itself. Following this, I received a reply from ICICI on 19th Nov, 2014 saying that they acknowledge that I never requested for physical statement but still it has been charged twice and they informed that they will revert those. Hence, now my point is not about reversal of charges but how fair it is to charge someone unnecessarily? And moreover, someone from ICICI still defends that charges are valid and when we again take the matter ahead they accept their fault. So, I have these queries: 1). Why was I charged unnecessarily and how fair it is yo charge someone unnecessarily? 2). Why wasn't the ICICI records updated? Or the person who replied initially was trying to fool me? I need clear explanation for these and I would request consumer forum to step into the matter to bring some transparency in these things, as if i would not have looked deeply in my statement then probably I would have ended up paying some charges which I am not liable to pay. Regards, Aditya