ICICI Bank Credit Card — Bad Experience Of ICICI Bank Credit Card
MeMegha Waigankar Parab
I am a Mid aged wrking lady and i was having ICICI Banks credit card. Last years in month of march i found unknown transaction on credit card statement. The details given was: amount Rs. 25000/ approx for Nokia mobile purchase from shop S.R Telecom Khar on dated 19 mar 2007. I was shocked because i had never visited that shop in my life time and i gave written complaint about it to bank within a month but bank took no action. When i talk to bank representative, she told me if i pay amount Rs. 3700/ approx. bank will settle the things by sending zero balance statement. Also the representative threat me, that if i dont pay i will be in trouble. That was difficult time as i was pregnant and i was mentally upset as collection agents had started for visiting to my office place. So i paid Rs. 3700/- approx. in excess to bank but next month i got a statement which mentioned above transaction as a 'Desputed'. But still Bank applied a interest and service charges on same transaction. I send several reminders to bank, gives visits to Andheri and Lower parel branch but no one pays heed to my complaint. Bank keeps on sending me statements with more and more demands and threats on telephones and visits to office place by collection agents.After watching my nervous condition, one of my friend advised me to tell these thing to my husband otherwise things will affect to my baby also. So i told all the problem to my husband. We cut the credit card and it in drop box. My husband also visited to bank at andheri and asked for proof of transaction but invain. One day when my husband was carring my mobile, he got a call from collection agent of ICICI bank and that man gave bad words to my husband. We made police complaint in chembur police station. In month of november i got a baby boy. My husband wrote a email to Mr. Kamat (MD) ICICI bank by CC to Reserve Bank Of India and ICICI customer care service. Then my husband got call from ICICI bank service manager meghana kazi. We asked for proof about the transaction and after some days we got another shock after receiving proof (image file) of purchase receipt of mobile. Signature on the receipt was not exactly matching to mine but some one had tried to make my signatures. As we went to police station to make a complaint, police officer on duty refused to take complaint and threat us that if we make complaint, my whole family will be suffer.
Still bank is sending statement along with phone calls from collection agents and amount has become over Rs. 50, 000/- due to interest on a purchase of mobile which i have never purchased and seen. New charges 'Overlimit' Rs. 500/ are also get added. Three days before i got a legal notice from solicitor of ICICI bank with demand of Rs. 50, 000/ + within 7 days.
Kindly help me as my whole family is disturbed by such a bad experience by ICICI bank credit card service. I also warn people about this service from ICICI bank.
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