[Resolved]  ICICI Bank — Late payment & Auto Debit charged on Cancelled Loan

Address:

Mumbai

Hi,

Last month (5th Apr) I had availed Personal Loan on ICICI Credit Card (Ending with 6003) for 10 lakhs, later this loan was cancelled by calling 24x7 Customer support wide SR[protected] on 15th April . I was informed there won't be any cancellation charges & EMI / Interest / GST billed to my card would get reversed. I got a confirmation email that the entire loan has been cancelled and all transactions have been reversed on 16th April which I could see in my statement. (Pls refer attachment - PLCC Loan Cancelled.jpg)

To my surprise on 3rd & 5th i found some charges 8526 + 1534 + 750 + 135 (Pls refer attachment file - Auto Debit Charges.JPG) added to my current statement. I made multiple calls to 24x7 Customer support as to why there were charges post PLCC has been cancelled / closed on 16th Apr. It wasn't my mistake at all, when a loan is closed it's the responsibility of the bank to cancel the Auto Debit, PDC, Cheque leaves to be cancelled. Even after insisting multiple times with the 24x7 Customer support, they were not ready to reverse the charges ( 8526 + 1534 + 750 + 135 ) billed to my card.

I didn't opt for Auto Debit facility, I do pay my credit card bill regularly prior to Due Date, and have not defaulted any payment in the past. But this sort of response is highly disappointing, request ICIC Bank Escalation team to intervene in this matter and help in getting the charges reversed.

Please find below my required details which might be needed to assist further.

Credit Card No ending with : 6003
Account Holder Name : N BALA KUMAR
Salary Account No. ending with : 9006
Loan availed date : 05/04/2021
Loan cancelled date : 15/04/2021
Loan cancelled SR # : SR[protected]
Email address : [protected]@gmail.com
Mobile No. : [protected], [protected]

Thanks,
Balakumar N