To
Consumer Court
Pune.India.
Sub: Complaint regarding ICICI Credit Card.
Dear Team,
I have been ICICI Bank credit card since Oct 2005.My credit card no. is [protected]
In first weak of Sep2007 I called up call centre to know why my outstanding was increasing even when I was not using card. At that time I came know was every month on my credit card is getting debited for about Rs 400 for some X Drive.com. According to call centre employees of ICICI Credit Card I have Purchased something online because of which every month my account is getting debited from around one year. So I asked them to refund the complete amount as I have not used it. They gave me long procedure to do and said that after completing that procedure I will be getting amount equivalent to last three transaction of X Drive.com. So I ask them to at least block my card immediately so that in future my credit card should not be debited from X DRIVE.COM. So the call centre person blocked my card. Then I thought instead of going for such a long procedure I would directly pay due amount of my credit card and will stop using ICICI Card in future. So I made payment of complete outstanding amount of Rs3000 on 24th Sep 2007.After that I was not getting any statement from October 2007 as there was no due in my credit card and there was no transaction.
In month of march 2008 again I received credit card statement saying that my due amount was around Rs 2900. I called up call centre in month of April 2008 and made a complaint regarding all this but then made a complaint and said that as I have blocked my credit card then any kind of transactions should not be allowed. And again this time also the transaction of Rs 2900 on 13march 2008 was not done by me so please wave of this amount. But before submitting my complaint the call centre person cut off the phone connection which I was holding for one hour.
After that I called up them three times but every time call centre people will attain my call and before completing my complaint they will disconnect the call. Then as I was pregnant + I was working I could not do follow up on this.
But still my Saving account is getting debited every month for minimum due amount of my credit card for the transaction of X Drive.com on 13th march 2008 of Rs 2900.
I would like ICICI Credit Card department to repay me all such amount which they debit from my account + Rs 500000 for mentally harassing me from last two years.
For your reference I have attached my credit card statement since may 2007 for which also I had done continues follow up from last one month.
Thanks and Regards.
Nital Soni.
[protected] Was this information helpful? | 
Despite asking them to cancel the credit card on phone they are not doing it and kept on charging me with wrong penalty and further asked me to send a mil for that.
I last 2 months I have sent 3 mails but no reply so far.
Then I tried sending the legal notice to their different offices (different addresses give at different insatnces) in Mumbai but everytime they either said that they can not accept or asked again to talk to the call centre.
This is a very goog strategy to avoid the confontation and keep harrasing the customer so that some where he gets fed up and makes the payment which is not legitimate and boosts their profits.
If you sue them at their Hyderabad address (official address) you would have to fight it out in Hyderabad courts.
What is the way out ?