[Resolved]  ICICI Bank Credit Card — Statement Showing - "CHEQUE RETURNED", whereas No CHEQUE ISSUED by Me.

Hi,

I got the email statement which shows, its a "CHEQUE RETURNED"

Statement was showing that "CHEQUE RETURNED" in the statement, first I was shocked and kept thinking how can cheque be returned because I have not issued any cheque in favor of ICICI credit card amount to Rs.10000/- (Ten Thousand Only) for last 9 months or more nor asked anyone to issue a cheque for my credit card which can be returned and as per RBI guidelines any cheque issued is valid for 6 months only, No one from bank informed me and try to explain me about same, the most sad part and ICICI Bank mentioned "CHEQUE RETURNED", ICICI Bank would have used any other description that would have been appropriate and stand valid, even asking for the copy of cheque returned, no one gave the cheque copy nor respondent back in correct manner.

Till 06 days from the email sent there was no reply to email, and on 03rd Oct'09, I again initiated the call & I spoke to phone banking officer and then I got the first reponse and later in the day Naveen Kumar, Customer Service Officer from ICICI bank I got the first reply via email as well and then first time it came to my knowledge that "its rectification of double credit wrongly" and till that time due date has already lapsed.

Till 03rd Oct'09, I was very sure, its a technical issue and its Not a "CHEQUE RETURNED" because if I have not paid any cheque, so how can it be return.. and it will result to statement issue, after telecon, I simply asked for the letter for clarification and via email also I asked for letter.

I responded to email on 05th Oct'09 and got second response again from Naveen Kumar, Customer Service Officer, ICICI Bank Limited who was handling this ticket that I will receive the email by 07th Oct'09, after receiving no reponse from ICICI bank customer care department till 09th Oct, 2009, I sent the reminder in afternoon on 09th Oct. 2009.

On 10th Oct'09 I receive the email the letter requested will be sent and it will take 10 days to deliver, I was very positive that issue is resolved, but letter received was not to satisfaction.

After receving the letter, on 19th Oct'09, I replied again with request for letter and then constantly followed up on email on 20th Oct'09, 21st oct'09, 22nd Oct'09 and 23rd Oct'09, I didn't received any response for 5 days, whereas reminder was sent daily to resolve the issue and close the matter.

On 22nd Oct'09, I received a call from ICICI bank payment recovery and I explained everything to her and the she connected me to customer care department, after speaking to her I felt that this call is like a threating call from ICICI bank to make the payment or else, which I reported via email to customer care, but never received the response nor apology till now.

On 23rd Oct'09, I visited the ICICI Bank, Sec-8, Rohini, Delhi and where executive connected me to customer care and one lady was supporting and told that its a technical issue at ICICI bank and they will help me to fix it and assured me to Issue letter.

But after speaking to you today in afternoon and with below email from you today is very clear that ICICI bank and already reported to CIBIL and again has totally tarnished my credibility, with no fault of myself.

Can anyone help me with giving me problem guideline!

I searched the entire web and didn't found anything on Process of CIBIL or Guidelines to Bank on reporting to CIBIL.

Looking forward to see the quick reponse, next due date is 29th Oct'09 and I am keen on resolving or closing before 29th Oct'09.

Regards
Sachin