[Resolved]  ICICI Bank Personal Loan — Worst Customer Care Service

I have sent a mail to customer care regarding unfair transaction. But still they have not response for mail.
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Dear Sir,

My account (its with CITI Bank, Chennai) is debited with Rs.2XXXX against EMI for the loan which I had from ICICI bank (Loan No: LPXXXXXXXX8 ) on 5th of every month.

The same amount has been deducted for the month of Jan' 2010 as part of EMI. However, Rs.2XXXX has been credited to my CITI Bank account on 20th Jan 2010 which seems to be peculiar. I do not understand why this amount has been credited into my account. Also I am not aware of this transaction.

But again you tried to debit Rs.2XXXX from my CITI Bank account as part of EMI for the same month (i.e. for January). But due to insufficient fund, that too on the irrelevant day, I was charged Rs.250 as penalty, Rs.25 as Debit return charge and Rs.0.75 service charge (Please find attached “XXXXX0.pdf” file for your reference).

I consider that this transaction is solely un-fair. I am highly disappointed with the transaction attempted by the bank.

When I am trying to lodge a complaint, the customer care executive suggested to meet some one Mr. Rajesh Kumar in Ambatur branch. But I am not in a position to meet the above said person, and given contact number is also wrong. Also, there is no response from your end for my Complaint for the same which I made on 27 Jan 2010.Reference no is: SR1XXXXX280.

If I am not properly responsed, why don't I take legal action against the bank for its un-fair transaction?

I look forward to hear from you.
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My request to all, is not to have relationship with ICICI Bank, I am not the only person, when I went to the branch office I saw lot of people came there to log completed for same kind of problem.