[Resolved]  ICICI Bank Credit Card — UNAUTHORISED DEBIT

Address:

Delhi

Dear Sir,
My complaint is against ICICI BANK Credit Card division. I was having an account with icici bank with account number[protected] in nungambakkam branch in Chennai. I was issued a credit card(no [protected]) on the basis of my account transactions few years back. One day I received a call from icici Lombard division regarding one mediclaim policy for myself. I was satisfied the the policy and I applied for one policy(policy no 4034i/fpp/04555917/00/000) in my name. I have the same policy running in my SBI Credit Card now also. I told the icici Lombard executive that I have the similar policy running in my sbi credit card account and the amount of premium is charged to my account every month but in case I fail to pay the premium on time I am not charged any amount in the name of penalty and I can pay the amount later also. The executive said that here also you can avail the same facility and in case you fail to pay the premium on time the credit card division will not impose any penalty for non payment of credit card amount due at the month end. This whole transaction is recorded by icici bank and I was issued a policy in my name. To check whether the bank charges the penalty or not I did not pay the first premium which was around 360/- and I was surprised to see that at the month end I received a statement(Copy attached) which showed a penalty of rs 500/-. I called the same executive of the bank and I enquired about this penalty. He said that he will check and confirm me later but he did not respond to my query. I tried to call him many times and I was given a message every time that he is in the meeting and he will call back. Later the mobile was also not reachable many times so I left calling the person and I sent a mail( around october20’2009) to icici credit card division(copy attached) and icici Lombard division. I received a call from icici Lombard division that in case you want to cancel the policy you will have to pay a preclosure amount of rs 4500/- therefore I did not close the policy. I did not receive any call from icici bank credit card division. the icici credit card persons went on debiting my account with the policy premium and with the penalty charges for non payment of policy amount. I was frustrated with the response of icici credit card persons and therefore I stopped responding to their letters and mail.. I used to get calls from icici bank persons that you pay your dues but when I told all the problems, every time I received a same reply that they will verify and call me back but they never did. I closed my old icici bank account[protected] for this reason and opened a new account in icici mount road branch( No[protected] as AJAY KUMAR MANAV V. so that I can operate it freely. Recently on 04/12.10 when I checked my account I found that the icici credit card persons debited my account with rs 3,208.19 (copy of statement attached) which was the full balance of my account towards my icici credit card dues. I was shocked to notice such a thing from icici bank
Sir I want to get back my amount which icici bank has debited without any notice and without clarifying my problem. This is a total harassment from icici bank persons.
please solve my problem and kindly make icici bank people to refund my amount in the bank.
Thanking you
Yours Truly,
Ajay Kumar Manav.
[protected].

I CAN SEND THE COPIES OF THE STATEMENT AS MENTIONED ABOVE.