Credit Card Complaints & Reviews

Hi,
Complaint no cc02236426. My credit card is being sent through Blue dart in Mumbai. I am devank shukla, working in TCS, Godrej and Boyce complex, Plat no 12, Gate no 12, LBS marg, Vikhroli West, Mumbai 400079.

Problem:
1. My office does not allow any body to enter the premises as per the sevurity policy. The HDFC terms of delivery does not permit delivery at the office gate but inside the premises. Thus, I cannot take the delivery for the shipment no [protected]

2. The home address has been correctly given as C-71, Ashirwad, CIBA Co-operative housing society, Amrutnagar, Ghatkopar (w).
However, the data entry operator has entered as B-71 instead of C-71 thus, making the delivery impossible at my residence.

It would be great if anyways it can be resolved. my contact number is [protected] and email id is devank.[protected]@gmail.com & devank.[protected]@tcs.com

Calls from Citibank DSA,

I am writing this from Ahmedabad . I am getting Missed Calls since last week. I am getting the call from[protected]/900. First of all two days i got a call at 3 pm in afternoon and then from next day onwards at 2-20pm. First of all he calls me up at [protected] and then i dint pick up the call then he called me on my landline number[protected]. Plz see to this that who calls this way. We are mentally harassed by such missed calls.the guy who calls us cuts the call and everyday he calls us around 3 in the afternoon. Plz let us know who does all this.

regards,

KAUSHAL

My name is Milind Varadkar having credit card no- [protected]. I have settled my Credit Card Account on 12th February 2007 and have also got the settlement letter for the same. My concern is that I require a No Dues Certificate for the Card Account I settled, for which I called up the Customer Service department of HSBC Bank several times in the past few days. They always direct me to the Collections department at Umang Bldg., Intelenet...

Dear Sir

Thanks a lot
Im really happy and appreciate your immediate action taken on my complaint.Im very much glad to be a customer of ICICI BANK. I also like to reconcile my another txn that i have done on 7-3-09. I have transferred Rs.2150/- & Rs.100/- as two different txns through IDBI INET BANKING for making my payment towards ICICI CREDIT CARD .After the completion of that transaction i received a failure confirmation in the net despite of successful debit in IDBI A/C. I could have made that payment again thru cash deposit, but two reasons have stopped me doing that. i.e:
1. Charges will be levied for cash deposit
2. Charges will also be leveied if Payment is more than a EMI amount
Another obstacle in this payment is, if my net transfer is not successful then late payment fees will be levied on my credit card account since the due date is 8-3-09. So far the amount in the IDBI ACCOUNT is not reversed, hence i kindly request you to send me an email confirmation about the successful status of my txn. Also im prepared to pay the total outstanding dues i.e.Rs.4235.13/- and to continue using the goodservice of ICICI credit card.Now i kindly request you to guide me whether I should pay the balance amount out of total outstanding i.e. Rs.1985.13(4235.13/[protected] or my amount in failure txn (i.e2150+100) will be reversed in IDBI ACCOUNT, so that i can make full payment of Rs.4235.13/- to settle my credit card account. Pls let me make the final payment in a smooth manner and without burning my finger.
As you considered my previous request, kindly consider this mail also

Thanks&Regards
S.Ramesh Kumar

I have not received monthly statement for 02/2009 and informed to customer care service, Delhi ten days back. They told that the same has been delivered to some one.

You customer care office has send the duplicate statement which is also not received by me till today i.e. 18/02/09. and next statement is also due today.
It is to be informed that there is no change in my residential address.
You know that the credit card statement is a secret and yourself (ICICI Bank) is paying the courier service charges and the courier is not being delivered to the proper place/person which to be viewed seriously. And no further relaxation to be given to courier agency.

Hopping for the best services and early reply for action taken.




Adesh Kapoor

i am using the cridet card no [protected] in this card i have taken alone of rs 12400 for one year . i have recevd a chque from you on dt.02 01 09. accoding to me i have to pay processing fee in the month of feb 2009 . and my emi starts from the month of march but i have recive the statement which shows that my emi starts from the month of dec.2008 pl. see the matter and make the right my detils are mobile no [protected] e mail i .d. [protected]@yahoo.com mailling add. wz m-3|1 gali no 7 new mahaveer nagar new delhi 110018

I am inviting your attention to the following matter to be treated as most urgent
I have been a customer of icici credit card since last seven years. I am sure there is no due in my past or present for payment of bill.Unfortunately in my last statement it is seen a cheque No. 039508 is returned and levied extra charges for this. Today I have enquired about this in Calicut branch and they informed that the cheque is returned due to wrongspelt of the year. Due to my oversight I have entered
6.1.2008 instead of 6.1.2009. I have not received any information regarding this from calicut branch and I have entered the card and Mobile No in the back of cheque. This may be excused.
I request you to reverse all the extra charges from my statement. I am sure such incident will be avoided in future. Expecting a favourable reply.

I have sent 2-3 letters for updation of my correspondance address. Stuill my bills are going to my earlier residence addsress. My credit card No. [protected] is only valid up to 1/09. My present residential and correspondance address is:
Sanjeeva T.Karkeera
Flat No. B2-425 Gogulam Complex, India Heritage Trust,
Vasanthapura, Kanakapura Road8th Mile, Bangalore - 560 061.
Official Address:
Sanjeeva T.Karkera
Deputy General Manager (HR & R&R), Mangalore Special Economic Zone Limited
72/4 Cunningham Road, Bangalore - 560 052
My Annual iNCOME IS rS. 10 Lakhs plus. Pl renew my card and send me a upgraded credit card immediately. Pl make note of mjy change of address. My mobbile No. ia [protected]. Regards.

Dear sir,
PLEASE GO THROUGH MY SO LONG STORY.
I accepted the personal loan proposal received from SBI. I took Rs. 52200/- loan from SBI bank. I agreed the terms which told me that time by SBI representative. I asked so many questions to SBI representative.
I got that loan by cheque.
After around one month I submitted some amount around Rs.40000/-. That amount was not deducted from my loan. When I asked about it, SBI representative told me that I must call to customer care & request that kindly credit this amount against my personal loan. I called cust care. That guy told me that u must submit total amount to forth close the loan.
POINT no 1. No one told me about this formality.
I asked about the figure of total outstanding amount. The representative told me some amount. I submitted that amount. Again the loan amount was reflected in next statement. I called cust care, That representative told me that due some mistake, earlier calculations r wrong. Now u has to pay Rs 1800/- to forth close the loan. Again I paid some amount (more than 1800/-).
Point no 2. Due to the mistake of SBI representative interest of one month was charged. Who is responsible for that amount?
Again after some days when I called customer care, & came to know that still the loan was not settled. I called again to customer care. That representative told me that "your request of forth closer was not forwarded that time Now I forwarded it & the loan will forth close within next two days"
I saw the statement dated 2 oct 2008. & I am confused. still the loan not forth closed due to the annual subscription charges charged. Actually the said card is life time free from annual subscription charges. & I need to fight to wave off these charges. These charges were reversed after few days, but who is responsible for the interest charged due to this mistake.
Point no 3: who is responsible for the interest charged due to this mistake.
I mailed this story to cust care. I called cust care during oct 2008 regarding this story.
I told cust care that I wish to know that “how much amount u recover by me against the historical loan of rs.52200/-? I[censored] failed to send the details about the said loan, I am not going to any further payments, charges, late payment charges to u.

There is no any positive response from SBI side to settle this matter.
I wish to know that how much total amount I paid or SBI recover by me against the loan of Rs.52200/- including interest, finance charges, processing fees, forth closing charges to SBI.
No one is ready to inform me about the said details.
I answered more than 400 calls during last three months. I need to tell all above history to every ph call of SBI & still the outcome is zero. I am very much depressed due to the phone calls of SBI credit card. The recovery agency was so rude & now I too due to all these complications. They don’t have sense about "how to talk with cardholders". SBI & their representative are continuously doing harassment to me. The treatment given by SBI is very much dominating & feels insulting to me.

So I beg u that please find some solution & help me to resolve the matter as early as possible. Please stop the calls from SBI side regarding this subject.

Note: The figures are rounded off to nearest value.
My english grammer is very poor so u may find problem to understand my complaint.
Very sorry, but i am helpless.

Paluskar S M

To, Customer care services
ICICI bank credit card division

Dear Sir,
I had deposited Cheque no 448770 for Rs4, 945/- at Langford bank branch on[protected]. I received my monthly statement in last week of Nov. To my suprise I was billed and fined for non payment of dues.This was brought to the notice of the concerned personnel in your bank. Subsequently I asked for cancellation of my credit card and issued a cheque for Rs16, 499.30 ( this outstanding amount included the balance amount of Rs4945+ non payment fine for Nov).
Today I receive a statement from ICICI bank that my missing cheque for Rs4, 945/deposited in Nov has been conveniently encashed by your bank on[protected].
SinceI have already deposited the said amount when I cancelled my card, as your bank claimed to have no knowledge about the existence/whereabouts of the deposited cheque I request you to refund Rs 4, 945/- and also demand an explanation for the same at the earliest.
Your's Sincerely
Ravi Shankar

From: CUSTOMERSERVICE <[protected]@icicibank.com>
To: [protected]@yahoo.co.in
Sent: Wednesday, 3 December, 2008 12:58:23 PM
Subject: Status of your request SR88165095

Dear Customer,

Request Number:SR88165095

Type of query: Request for Cancellation of Credit Card

Resolution: As per your request we have cancelled your credit card xxxx8017 on 03/12/2008.

Please note: This is a system-generated e-mail please do not reply.

Sincerely,
Customer Service Team.
ICICI Bank Limited.

Sir,
Sub: Complaints on credit cards

Credit Card No: [protected] herein after referred as “A”
[protected] herein after referred as “B”
[protected] herein after referred as “C”
[protected] herein after referred as “D” issued in lieu of “B”

Card “C” is a loan account and hence no monthly transactions on it.

I have been holding SCB card for more than 16 years. Till date if you could have a look at my accounts, you can understand the credit worthiness of me. I am one customer who used to pay the entire amount due every month on the due date. I was not having any problem till October 2007.

In October 2007 statement an amount of about Rs 1200 was noticed towards insurance charges on card “A”. On enquiry I was informed that I have taken some insurance. I have neither taken any policy nor signed any document for any policy nor received any policy from your side. But to my surprise I was debited. I preferred the complaint over phone and settled the amount excluding the insurance amount for which no consent was accorded by me. It was informed to your people and I was told that I would not get the debit in future. But the surprising element is the amount was not withdrawn from my account. None of your people have given any reply for this till date. So whenever I received the statement I started paying only for the purchases leaving the interest arbitrarily charged by debiting my account without my consent. This continued for about 5 months and then I stopped using the card “A”. Your machine can naturally not understand the customer grievance and it was sincerely debiting interest and service charges on the erroneous debit made by your people. But the surprising fact is that none of your people could understand the customer complaint.

My natural doubt on this

How can you debit my card account without my written consent?

If a wrong debit is noticed or found out it is expected to be revised by you but it was surprising that no action has been taken at your end.

Whether you have any system of monitoring a customer complaint?

OR everything is being handled by your BPO operators?

Why no responsible man from your side was sent to have a listening to customer complaint in spite of repeated request?

It is not fair to expect human relations from an organisation like you.

Problem II

Please have a look at your statement dated 15th September 2008.

Total amount payable Rs 10, 368.17
Amount payable on Card “A” Rs 3, 253.85
Amount payable on other cards Rs 7, 114.32

I settled with a cheque for Rs 7, 115.

The problem started when I received the statement of 15th October 2008.

Drama in[protected] statement

For the card “B” I was charged
• Late fee Rs 350.
• Interest 437.67
• ST on late fee and interest to the extent of 100.87
• A sum of 888.54 was overcharged on card “B”
• An amount of Rs 301 was debited to card “B” and given credit to card “A”
• Total excess debit is 1, 189.54

For the card “C” I was charged
• Late fee Rs 350.
• Interest Rs 43.26
• A sum of 393.26 was overcharged on card “B”


Total excess debit amounted to 1, 698.87

Total amount payable (including excess debit of 1.698.97) Rs 24, 695.69
Amount payable on Card “A” Rs 3, 057.51
Amount payable on other cards Rs 21, 638.18

I settled with a cheque of Rs 21, 639. The apportionment of the amount was clearly written at the back of the cheque.

So, there is no question of interest for short payment

Debiting a card and crediting a disputed card is highly arbitrary. I politely preferred complaint to you authorities and they requested to make the payment in full and the adjustment will be done in the next statement. For your mistake I paid excess than what should be paid for which you bankers are not going to pay any interest. You know the habit of taking the interest and not paying.


In the meantime, I misplaced my card “B” and requested for a replacement. Accordingly I was provided with a card in lieu of card “B” bearing the number “[protected]”

Drama in[protected] statement (INTERVEL SCENE)

I was given credit only for interest, late fee and the service Tax thereof but not for the arbitrarily transferred amount of Rs 301 from my card “B” and card “C”

Your data entry operator failed to apportion the amount between card “B” and “C” for my payment towards the statement dated[protected]. He has credited the entire amount to card “B”. That means overpayment has been made into the “B” card account. It is high time for you to have a check at your credit card software. Only your software writer could perhaps explain the methodology of calculation of interest on your credit card. Your software has charged an interest of Rs 675.53 on my card “B” when the statement shows more payment than due. Wonderful! I will be extremely happy if any of your personal could explain the methodology.

Most wonderful is the way your software has calculated the ST. 12.36% of 675.53 is Rs 83.50. Your system has calculated Rs 87.59 as ST. I presume this excess amount of ST may be on the fuel charges. The Services charges if shown separately may be more helpful.

Excess charges in card “B”

• Interest Rs 675.53
• ST Rs 83.50
• Excess Rs 759.03


Since the entire payment for the statement dated[protected] was credited to card “B”, the following excess debits were made in card “C”.


For the card “C” I was charged
• Late fee Rs 350.
• Interest 183.57
• ST on late fee and interest to the extent of 65.95
• A sum of 599.52 was overcharged on card “C”

Total excess charges Rs 1358.55



I was charged

Card “A” 3, 567.24
Card “B” including “Interest for more payment than due” 4, 390.87 (5, 279.41-888.54)
Card “C” including “Interest, Late Fees and ST” for wrong posting at SCB 8, 384.31
Card “D” 1, 938.03
Total Payable 19, 168.99

The following routines were again carried out. My pending on telephone charges to you, for your irregularities runs to several hundreds of rupees. As usual your helpline was contacted. I asked your person “Sir! Can any one from your side call me”. He politely, humbly said “Sir, I am extremely sorry. We can only receive calls but not make calls”. So for phone charges also Standard Chartered Bank exploits its customers.

• SCB helpline contacted
• Humble reply
• My complaint was taken.
• SCB has no good habit of giving the revised bill.
• I was asked to pay only for the purchases deducting the overpayment made in October 2008.
• As usual I made the full payment on card “B”, “C” and “D” in the following manner,

Total Payable 19, 168.99
Less Card “A” under dispute 3, 567.24
Towards Card “B”, “C”, “D” 15, 601.75
Excess charges in the statement 1, 358.55
Payable 14, 243, 75
Amount paid 14, 244.00

Settlement effected for more than due amount. So no question of interest .

Drama in[protected] statement (NEVER ENDING CLIMAX)

The combination of October 2008 and November 2008 attacked.

• Late payment charges are levied
• Interest charges are levied
• Arbitrary apportionment from one card account to another. Card “B” to card “A”.
• Wrong apportionment of the payment sent.
• Amount remitted toward live settlements were adjusted towards disputed card “A” and more interest charged


Same old routine exercises.

• SCB helpline.
• No revised statement.
• How much to pay is a big question mark.
• Due date is fast approaching.
• This time one of your bank was approached for a change.
• He atleast listened to me after making me to wait for more than an hour.
• He has well understood the mistake committed by the system due to lack of application of mind
• He pleaded his inability and addressed a mail.
• He asked me to address you a mail.
• Hence this mail.
• Tale lengthier than the great epics of India
• No solutions arrived.



PLEAD

• It will be highly appreciated if one your person goes through the mail with empathy.

• In the meantime I may be allowed to pay for the purchases made during the previous period with out interest as stop gap arrangement.

• A complete review may be made and a solution offered.

• I am ready to offer the fullest co-operation to you.

• I will be interested to see one of your people coming in person as a part of customer service. Far fetching dream!




If the plead is unheard

• Exploitation may be the habit of SCB but definitely not me. My track record is sufficient. My Class I services will speak more about me if you do not want to go into my details.

• I will as usual send the cheque for the purchases effected as shown in the statement dated 15th December.

• I will continue to make the payment only for my purchases as shown in your statement till 31st January 2009.

• If my grievance is not attended to by 31st January I shall stop using your card “D”.

• So there may not be question of payment.

• You will be losing one of your most trusted customers.

• If your person visits me for the amount as shown in the statement, he will face the music. You will be seeing my power then.


With regards

Zackia Ferhath jehan

lost my credit card[protected]. Kindly deactivate it.

Dear sir,

ICICI credit card cheating services,

See the below exchange of mails with ICICI credit card division. At the time of online registration for
utility payment of LIC premiums, they refused to accept, replied a mail of not accepting the new registration. Hence, I paid my premium before the due date. But surprised to notice, Icici also remitted the same premium without my knowledge. When they did not accept my request, why do they pay my premium & debit my card account. When I requested for the reverse the debit, they replied that it is not possible, instead I have to approach LIC for reversal. How ridiculous !

Their reply is just like cheating & irresponsible.

Please render a justice to this.

Ramaswamy
+[protected]

[protected][protected][protected][protected]
From: [protected]@hotmail.com
To: customer.[protected]@icicibank.com
Subject: RE: 'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@hotmail.com
Date: Sat, 20 Dec 2008 11:43:27 +0530


Card no. [protected]

Daisy,

See the below reply of your officer on 12/11/08. When you do not accept the registration of my LIC policies, why did you pay the amount?

As a proof, where(which office of the LIC) I sould show the credit card bill to get the refund. Why should I go..?? IT is your fault..??

I am going to the consumer forum to render justice on my part. Your bank will face the legal proceedings in this regard. As per your reply on 12/11, you should not have paid my policy without prior notice to me. It is your duty to refund the amount imm...

I know how to deal the case. Till the refund is not done, I will not pay you any EMI. MY lawyer will speak to this.

Ramaswamy
+[protected]
[protected][protected][protected]
RE: 'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@hotmail.com‏
From: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Sent: 12 November 2008 14:46PM
To: RAM N ([protected]@HOTMAIL.COM)

Dear Mr. Ramaswamy,

For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com

We regret for the inconvenience caused to you.

As to our telephonic conversation we inform you that we are not accepting the new registration of the LIC premium payment through credit card.

Looking forward to your co-operation in helping us serve you better.

Sincerely,

SAMIUDDIN AHMED
Customer Service Officer
ICICI Bank Limited


[protected][protected][protected][protected]
Date: Fri, 19 Dec 2008 16:00:42 +0530
From: customer.[protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@hotmail.com
To: [protected]@hotmail.com


Dear Mr. Ramaswamy,

We understand your concern.

However, we regret our inability to refund the amount of Rs. 5, 157.00 debited from your credit card account towards LIFE INSURANCE CORPORATIO, N OF INDIA.

We inform you that the LIC biller is not registered from our end, hence request you to contact LIFE INSURANCE CORPORATIO, N OF INDIA for the refund of the amount by showing the credit card statement as a proof.

Sincerely,

Daisy
Customer Service Officer
ICICI Bank Limited

-----Original Message-----
From: RAM N ([protected]@hotmail.com)
Date: Thursday, December 18, 2008 04:46 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: RE: to reverse the debit of my LIC premium

Card no. [protected]

Why no reply...????????????????


[protected][protected][protected]

From: [protected]@hotmail.com
To: customer.[protected]@icicibank.com
Subject: RE: 'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@hotmail.com
Date: Thu, 18 Dec 2008 11:40:47 +0530


REMINDER...1


[protected][protected][protected]


From: [protected]@hotmail.com
To: customer.[protected]@icicibank.com
Subject: RE: 'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@hotmail.com
Date: Wed, 17 Dec 2008 17:04:44 +0530

Card no. [protected] MOST URGENT

15/12/2008 LIFE INSURANCE CORPORATIO Rs. 5, 157.00.DR

This is reflecting in my card account.

Why should I contact the merchant ???

You have debited my card account for LIC premium which I have already paid. You reverse the debited amount & confirm back...

Your reply is not satisfactory. Your unbilled statement clearly shows the debit... what else you require as proof. I just want you to reverse it.

revert imm... Matter is most urgent. Tomorrow 18th is the statment date .

It is totally your mistake. Without prior confirmation to me why did you
make the payment ?????.

At the time online registration itself, you people clearly told me that you are unable to take this request. Then why this
lapses...

Ramaswamy
[protected]


[protected][protected][protected][protected]



Date: Wed, 17 Dec 2008 16:44:41 +0530
From: customer.[protected]@ICICIBANK.COM
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@hotmail.com
To: [protected]@HOTMAIL.COM


Dear Mr. Ramaswamy,

For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com

We regret the inconvenience caused in regards.

We inform that according to our records there was no bill loaded in our system for the debit of the payment from merchant end.

We inform you that we request you to contact merchant.

Sincerely,

Akula Aparna
Customer Service Officer
ICICI Bank Limited

[protected][protected][protected]
-----Original Message-----
From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Date: Wednesday, December 17, 2008 02:33 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Credit Card / Old Customer / [protected]@hotmail.com


Title: Mr.
First Name: NARAYANAN
Last Name: RAMASWAMY
An ICICI Bank Customer: Yes
Product: Credit Card
Account No: [protected]

What would you like to say: 15/12/2008 LIFE INSURANCE CORPORATIO Rs. 5, 157.00.DR

I u/stand from your billing that you have made payment of my LIC premium without informing me in advance. Why you do so?

At the time of online registration of my premiums you people from customer care office spoke to me that you have stopped new registration of LIC utility payment.

Hence I have already done that payment thru HDFC last week.

It is a surprise you have also paid for the same. This is a double payment. right now please stop the payment & credit the amount to my card account.

From next premium, falls during april'09 you can make payment of LIC. Confirm imm...

most urgent.
tks
Ramaswamy
[protected]

E-mail address: [protected]@hotmail.com
Telephoneno:+[protected]
Correspondence address: "Sriram" Om sai appartments, 6th cross
Vadapalani

City: chennai
Country: India
Pin Code: 600026

Dear sir

My Barclays Bank Credit card No. [protected]

In the month of April 08, i was deposited Barclays bank Total due pmt the cheque on 19, 2008 with my other sbi & abn amro credit card payment (due date was 22 April 2008) which amount higher than Barclaycard bank that cheques, clear from bank my on 26 april 2008 & upto 29 April 2008 Barclay bank cheque was uncleared so i call htem & was saying they receive my payment on 30 april 2008. After paying by on time How i will accept late pmt charges so i request them for reversal of late pmt charges they said we can't reverse your late payment charges, that is not acceptable for me so i was surrender there there credit card with a letter regarding the same they send me acknowldege letter for the same.Now they calling me on my mobile 10 times in day & giving me blank calls.

On 27 Sept 2008 they call me & say you pay Rs. 120 we will assure you that we will reverse all late pmt charges charged by us to from April -08 to till date. I was paid the same on 28 Sept-08 & have receipt of the same. Then many times i call them & inform about the same but they are nothing doing anything not
respeonding me. & sending me sms daily that they will sent my name to CIBIL to block my future loans. Also Customer care says that we not offer you to pay Rs. 120 & we will reverse late pmt charges our collection dept. promise you so ask them to pay all your late pmt fee. so please suggest me.

So please do needful & suggest for the same.

Thanking you

Nitin A Patil
[protected]


Becouse for the amount of Rs. 820 why will delay the payment & pay late payment charges charges of Rs. 382.

So please inform me immediatly adress where i have to surrender your card, i am not ready to pay late payment fee for the payment made by me on time.

Thanking you

Yours Customer


Nitin Patil
[protected]

i am using card no.[protected] since jan. 2008. i wanted to increase the credit card limit to max. as per your perameter.
i am using kotak card with a limit of Rs.203000/- and hdfc with a imit of Rs. 150000/-

thank you
your's
rajesh kr. gupta
7/401, eastend apartment
mayur vihar phase-1extn.
delhi-110096
ph. [protected]

I AM CREDIT CARD HOLDER OF YOUR BANK. TODAY I RECEIVED A SMS THAT RS 8379.52/- HAS PAYMENT PENDING IN MY CREDIT CARD . BUT I HAVE NOT MADE ANY TRANSACTION . PLEASE DO NOT DEBIT MY ACCOUNT AS I NEVER CONSENTED FOR ANY SCHEME WHATSOEVER. THE TELEPHONIC TALK OF DATE WAS INFORMATIVE IN NATURE AND I NEVER CONSENTED TO DEBIT MY ACCOUNT. I PLACE MY RESENTMENT IN THIS REGARD AND SUCH TYPE OF SALE GIMMICKS FROM CALL CENTRE PEOPLE REPORTEDLY FROM YOUR BANK WILL DEFINATELY JEOPARDISE THE IMAGE AND REPUTATION OF THE BANK AS EVEN THE PHONE BANKING OFFICER WAS HELPLESS TO SAY TILL THE AMOUNT IS BILLED IN MY ACCOUNT. PLEASE LOOK INTO THE MATTER AND CONFIRM THROUGH MAIL THAT YOU HAVE NOT DEBITED THE AFORESAID AMOUNT. ANY BANKER IN THE WORLD DO NOT HAVE ANY RIGHT TO DEBIT THE ACCOUNT OF ITS CUSTOMER WITHOUT ITS BONAFIDE MANDATE AND AUTHORITY
RAJESH FROM CHENNAI
MOB NO : [protected] .
MY CREDIT CARD ACCOUNT NO : [protected]

Hi, I am not totally statified with the service I am getting from you people. I am a regular paying members of your
credit card no. [protected].Please find the detail reasons below:

1. Unnecessary charges have been made from your bank without my notice.

2. I have made a balance transfer 4 months back, for that reason I have been told that I can use the rest
of my credit amount during my repayement of this amount. But when I used it, you have made some finance charges. I regularly

use it for every transaction during a month. If I would have known that I should not have asked for a balance transfer.

3. I am also concerned about the money recovery departement. You should appoint some educated perosns there who can talk
to a perosn by knowing the reasons of not making the payment. Today (01.12.2008), I have recieved a call from Mumbai
at 1.52 PM and the executive doesn, t even know how to talk to a customer. How she has been placed in that concerned
department where you need to maintain the relationship with the customer and to get the money as well from him/her,
because it hampers your brand name in the market. The person can utilise his mind and skills to convince the customer
for the payment as its not about recovering the money, it, s about keeping relationship with them also. As a International

legal Consultant cum advisor I know all the rules and regulations that can be taken against the bank and the executive for

this ridiculous activity.I need a proper answer for this. I want you take necessary action against that executive. I had

already clarified the problems with the customer care and they have confirmed me that the extra charges made in my account

will be credited and will be reflected in my next statement and I have told them that I will be making my payment after

receiving my next statement only. After explaining all these things to the executive also she had told me so many rude things

which I never accept. I know, I have used the amount means I need to pay, but in a legal way. That doesnt mean whatever you

tell me I will pay that. This is my biggest concern to take necessary action regarding this.

4. Customer is the king, i beleive this as I am into consulting also. So, please appoint some well and educated people in the
recovery departenment who must know how to talk to people by going through their profile and credit history. I think, thats
why I have provided my total details to you.

I will definitely be happy if you call me and expalin me about my concerns. Yes, One more thing, I dont want a single call

from you pople regarding my payment to the bank. As a valued customer of your bank I know that I need to make the payment.

You can check my credit history with your bank. After that I also dont want to use your credit card and I will close my

account. Yes, of course I will pay the total money then I will close my account. Please do the needful accordingly.

Otherwise, I will file a case against the bank and the executive who had called me. I haev all the proofs with me.

Waiting for your quick and considerable response.

Thanks & Regards,
Binayak Panigrahi
New Delhi, India
Hand Phone Number: [protected]

pl revert fate of my application reference no [protected] immediately.
i was informed that i will be delivered the card with in 20 days.
in case the same is not processed my application should be regarded as cancelled.
thanks
swatantra arora

Dear Sir
I am holding a ICICI credit card No [protected].
My name is wrongly endorsed as ATUL DIGAMBER.
The correct name is ATUL D NANDEDKAR.
I have opted for upgradation to FUTURE card and the new card is being issued to
me shortly.
I kindly request you to endorse the correct name on my future card.
Thanking you

yours sincerely
Atul D Nandedkar

dear sir/madam

i have applied for barklay credit card on nearly 4 days back.and i got massage on my mobile no. on 24/09/08.
in which given reference no.is.[protected] for tracking the application through online.but when i log on the website for tracking then
no such formate is available for the same.after passing nearly 40 days no any correspondance has done.
so now i am requesting to you to cancell my application for credit card. thanking you



name: prakash chand
email:- [protected]@gmail.com
mob.no.-[protected]

Dear sir,
I had applied for credit card during last month. It has been approved by your bank and even despatched the card to my home address, but during verification itself I have clarified to your verifying officer to send me the card to my official address, but your bank has despatched the card to my home address. But i could not be delivered to me because of sudden change of residence. However, I had contacted the customer care for change of address and redespatch of the credit card for my new communication address.
I have received a confirmation letter of change of address from your bank today, but till now I did'nt receive the credit card till date.
Please look into this matter and confirm me about my status of credit card via my e-mail address

Dear Sir,

Please send my credit card statement every month on email & by currior.

thanks,

Arvind Patil

Dear sir/Madam



I am an ICICI Credit card holder under your Bank. My credit card no is: [protected]. My another Card No is: [protected] and the lst one is : [protected]. Please change my payment due date on 20th to 25th every month as soon as possible.



thanking you.





PRABHAT KUMAR JHA


ADDR: HOUSE NO C 150

INDER ENCLAVE GALI NO 10 PHASE 2

NAGLOI NEW DELHI

DELHI

110041

Cust ID: 5284421

Contact No: [protected]

Sub: - Barclaycard Account statement for Barclay Gold Card no [protected]
Ref: - Ref No [protected].

Sir,

With reference to above please find enclosed herewith your statement copy, where I have been asked to pay Rs. 6213.31 before[protected]. In this regards I have to state that neither I purchased nor I have withdrawn any single Rupees with this card. I have also state that.
- You have not mentioned Barclaycard priority circle fees on earlier statement and send these fees with late fees and service tax etc.
- I have never applied your credit card.
- I have not accepted any of your schemes and I have not received any relevant documents regarding any scheme. More over I am not at all interested any of your schemes.
- Looking to the your administrative mismanagement and harassment of your representative I am not interested to continue your credit card and directed to CANCELL this gold card with immediate effect on your record. I will not responsible for this gold card.


You are also here by informed that there should not be any single phone from your Mumbai and Delhi office, as they are continually harassing me on my personal Mobile at any time. These are all informed to your customer care department frequently.

I here by also informed to you, If this all will continue I will have to lodge complaint in “Consumer Protection Act” and Reserve Bank of India. This may be noted.



M.R.Macwana
Barclay Gold Card no [protected]

Hi Sir/Madam,

I Rahul Sehgal, Advocate (Rgistered Under State Bar Council of the Madhya Pradesh Registration No. 3039/2006) Salaried Account Holder [protected] of your bank in your branch code 0539(pune, Maharashtra) want to just inform you this is the second time(4th August 2008, My Application No.CC[protected] i have applied for the Platinum Card firstly, i have applied in the month of November 2007 through your agent Parvesh Phone No.[protected] but after repeatedly inquirying about my status of the credit card i have not got the healthy response and this is the second time i think by applying to ur institution i have made a blunder mistake .So now i am not in a mood to take ur Card. So please now i want my all the documents back because i think u can misuse with my documents. My documents which i have given to ur agent are PAN Card, My 6 months salary slip, My two passport size photo and my office identity card.
So please return my documents otherwise i will have to move to the Consumer Forum or will have to Lodge the complaint against the HDFC bank Credit Card Manager and Parvesh (Agent of the HDFC bank).
My Contact Number [protected].
Please reply me soon.

Regards,
Rahul Sehgal (Advocate)
Rgistered Under State Bar Council of the Madhya Pradesh
Registration No. 3039/2006

I made a purchase of 19000 Rs. on 11th Aug, 08. For the same purchase i already requested for EMI option but it is still not activated. At the same time there are finance and other extra charges reflacted on my credit card stament...

I am following the request status from last 2 months but still it is not solve.. Pl do the needful (activate EMI option) as earliest...

Credit Card no. [protected].

with regard to the above said we paid full amount by calling customer care for which we used to purchase
house holds. And again they told to pay some 361-00 as due and we have paid that also by cheque for Rs. 400-00 for this amount we cleared every thing. Now they are again sending messages there is still due to pay. and still we have not received any statement from your side. so. kindly look into this matter at the earliest and please send us the statement to enable us to clear the due. please send your statement to this email address at the earliest.

thanking you

s.savitha
credit card no. [protected]

I am Neeraj Verma. My Credit Card No. is - [protected] I would like to inform you about my problem ------- 1.ICICI Bank paid the amount against airtel bill in mumbai without asking me even I dont know that to whom airtel bill account has been paid without asking me.2.after complaint in customer care amount got credited in my account.3.now again since june same account has be debited from my account.4.I am not getting any help from customer care.5. I have not asked bank to pay the bill how BANK can pay this amount. 6.Bank should check the number of the airtel cell on which behalf amount has been paid that definately does not belong to me. I am getting phone calls from the bank on daily basis and I am really harassed by them. Kindly look into this matter and advice what to do. Regards, Neeraj Verma

TO
BARCLAYS BANK CREDIT CARD DIVISION
DELHI
Sir
The bill sent by you against card number [protected](reference no [protected])is highly inflatted bill because interest charged in the bill is not legitimate.How can on a due payment of around 800 rupees till date 500 rupees can be charged as interest?First of all Barclays did not send the bill in time.Further the bill has been sent in this week only by you.That too the interest charged in the bill received on 23/9/08 is high and not correct.The grace period is to be taken into account and only for one and halfmonths interest is to be charged which comes out to around two hundred only.
Therefore the bill correction to be done at your end and because of this highly wrong bill I am not interested in your credit card and please disable the card.
Please also i9nform me your jurisiction as per consumer court point of view.
please reply to me urgently in return e-mail.
I have already spoken to your executive in telephone NO[protected] on 23rd evenning and he assured me to reduce the bill by correction.
PLEASE TREAT THE MATTER AS IMMEDIATE.
AMITA PANDA
EMAIL ADDRESS:[protected]@ntpceoc.co.in

Respected Sir,

I, Hemant Bagri applied for Credit Card last year (2007) and my card has been approved but till date I have not yet received my card I have informed several times but every time I have not get any proper information about my card.
I have received letter from your departement several times last I received letter on 01.09.2008 date was mentioned in the letter was 16.08.2008 in that particular letter amounting of Rs. 9576.19/- is mentioning that I have to pay the above mentioned amount, Sir i am requesting you to kindly do the needful in my case i have not received my card please deliveried it on below mentione address or cancelled it. I am very upset about your services & please do the best .(service request request no-SR78059619 DATED : 01.09.2008)

Regards,
Hemant Bagri ([protected])
Simplex Infrastructures Limited
Opp- Miracle Fodder & Feeds Pvt Ltd
N.H-7, Bangalore Highway Main Road
Siddanti Village, Shamshabad-501 218
R.R. Dist (A.P)