[Resolved]  ICICIcredit Card — REMOVAL OF NAME FROM CIBIL

I am an 10 years old customer of ICICI Bank, having saving account No.[protected]. I was issued an EMI Credit card by ICICI bank after lots of calls and follow up by their sales executives. I was told by the sales team and executives that for any purchase the amount will be converted into interest free installments. This EMI card no. [protected] issued to me was used by me for the first and last time at Dr. Batras Homeopathy clinic for Rs. 5760/-. When I received the statement, to my surprise I was being billed the whole amount and additionally charged some finance charges for the usage. When contacted the helpline I was told that since Dr. Batras facilitate the customers with interest free installments therefore it will not be done on this card and you will have to pay the amount and fees. I objected and since I felt cheated I asked them to get the payment collected immediately for the usage and cancel the card.

Executive from ICICI collection center (Vicky) visited on 25/04/2008 from Jhandewallan branch at my office and collected the full payment for usage of Rs. 5760/- vide cheque no. 725351 dated 25/04/2008 of SBI A/c no. [protected]. The payment receipt No. T0308C – 0147310 for the payment made bears clear comments that the full payment is made and please cancel the card. There after I have cut the card into four pieces and scrapped the same. This card was used only once by me that to by mistake. I am user of Saving Bank Account in your bank for past 10 years and there has been no default or deviation in any manner in the account.

I started getting statements every month for interest charges and late payment charges. I mailed and called manier times to ICICI that if I have made the full payment, than why I am being harassed and troubled by sending all these statements and annoying phone calls. I even called and replied all calls from your helpline and requested them to cancel the card and clear all dues. Finally the case was resolved and I was sent an No dues statement and NOC from ICICI stating that my account is clear... I was very happy and satisfied finally with the services of ICICI after a struggle of almost Six Months...

But to my surprise when I applied for a Car Loan a week before from ICICI Car Loans I came to know that I am a defaulter and my name is showing in negative list on CIBIL...I could not believe...I called so many people, visited ICICI branch and car loans office but all in vain... Finally my loan was rejected just becuase of one mistake... I TRUSTED ICICI, I USED THIER CARD FOR ONE TIME, PAID 100% WITH IN DUE DATE AND STILL CONTINUED TO BANK WITH ICICI...

Now I request to please clear or remove my name from CIBIL as I fear, I will be named as a DECLARED DEFUALTER all my life just because of one mistake "USING ICICI SERVICES"... I may not get any loan all my life just because of ICICI Credit Card Department thier CHEAT DSAs thier pathetic services...

I dont want to be known as a DEFAULTER thru out my life... My TEN YEARS long association with BANK could not make them understand a difference between a Defaulter and CUSTOMER...

Please HELP, I am losing faith in sincereity and loyalty as aCUSTOMER...

Attached is my mail to ICICI... I saw more than 400 such complaints against ICICI only on this site... Dont no how many others are paying for trusting ICICI????


Regards,
Bhupesh Kanyal

Contact Details:
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City: Gurgaon
Country: India
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