[Resolved]  ICICI Bank Credit Cards — Wrong debit of charges

Address:

Bangalore, Karnataka

This complaint pertains to my credit card that I was holding in 2002-03. Card number is [protected]. In the statement dated December 2002, ICICI bank charged annual fee of 750+375(for primary and secondary card). I spoke to their customer service team and told them that I would want to discontinue the card but they promised me that Ci could continue using the card and the charges would be reversed. I made the payment against statement of December 2002, deducting the annual fee and service tax of rs. 19. Interest was charged from the following month (i.e statement of January 2003 ) . On again following up with their customer service team, reversal of rs. 375 was made in the statement of Feb 2003, along with interest charges pertaining to that card. Please note that the reversal for the primary card of rs. 750 was not made. The reversal of Rs. 750 was made in the statement of March 2003, but the INTEREST CHARGES WERE NOT REVERSED. This interest amount kept growing and finally in September 2003, I decided to stop using that card. Every month, i made payments for all purchases made on the card and ignored the interest amount. Subsequently, there was a late payment charged and interest levied every month until September 2004 . Also, annual fee of Rs. 750 was charged in December 2003. All this interest amount and late payment fee amounted to Rs. 7964.22. My grievance is that the reversal of annual fee should have been made along with the interest amount in the beginning. Sometime in November 2012, I received a letter from the bank about Lien and that I should contact their customer service team if I had any dispute. I visited their office in Koramangala on 15th November 2012 and was told to contact one Mr. Jayaprakash[protected]. I wrote to him giving a month-by-month statement and highlighted my contention in those mails. No action was taken by him until MID January 2013, when he wrote to me and asked me to get in touch with Deepak Raj[protected]. Meanwhile ICICI debited Rs. 7964.22 in my savings account on 15th January 2013. This was grossly wrong, since this amount was disputed and I was in touch with their team at that time. I met with Deepak again and he assured me that the amount will be credited back into my account, and then the issue of wrong charges will be studied and resolved. Nothing has happened till date. I have the statements of that period and also all email exchanges had with them.