[Resolved]  ICICIcredit Card — Late payment & interest charges

Dear Sir / Madam,

My complaint is regarding the late payment charges & interest charges levied by ICICI Bank credit card division.
The first time charges which were to waive off by ICICI, didn't waived off instead late payement & interest charges were levied since Feb 2008. I stopped using this card in July 2008 & still I am receiving the late payment charges & interest.

Communication regarding the same with customer care in writing is mentioned below---


from ICICI Bank Customer Care <customer.[protected]@icicibank.com>
to "Mr. Pravin" <[protected]@gmail.com>
date Sat, Nov 15, 2008 at 1:33 PM
subject RE:'ICICICARE=[protected]' Feedback Email
mailed-by icicibank.com
hide details 11/15/08

Reply

Dear Mr. Bhaise,

The outstanding due on your credit card is inclusive of purchases and charges and total outstanding due on your credit card account is Rs.3, 574.60.

However, we regret our inability to reverse the charges on your credit card account. Kindly make the payment in order to avoid charges in future.

Sincerely,

Abdul Rauf
Customer Service Manager
ICICI Bank Limited

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.



-----Original Message-----
From: Mr. Pravin ([protected]@gmail.com)
- Hide quoted text -
Date: Thursday, November 13, 2008 04:24 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: Feedback Email
- Hide quoted text -

Dear Mr. Abdul,

Thanks for this great help to me.

But my question is whatever balance amount I have to pay, Is that the charges only or I have spent this amount actually?

As I said I will not pay the charges and you better know that I stopped using this card since four months for the reason that I have been charged late payment first in January and even after reporting to customer care no reversal took place instead intrest has been levied for whatever charges I did not pay.

I regard whatever rules ICICI must be having but it doesn't mean that I will pay for the banks mistakes.

Once again I request that if anything in this amount is actually spent by me please let me know I will pay immidiately.

Regards,

Pravin
[protected]


On 11/11/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
Dear Mr. Bhaise,

We have reversed following interest charges on your credit card account, the credit will reflect in your subsequent statement :

11/11/2008 Late Payment Fee Reversal 400.00CR
11/11/2008 Service tax reversal 49.44CR
11/11/2008 INTEREST CHARGES Reversal 68.07CR
11/11/2008 Service tax reversal 8.41CR
11/11/2008 INTEREST CHARGES Reversal 61.68CR
11/11/2008 Service tax reversal 7.62CR
11/11/2008 Late Payment Fee Reversal 400.00CR
11/11/2008 Service tax reversal 49.44CR
11/11/2008 INTEREST CHARGES Reversal 53.55CR
11/11/2008 Service tax reversal 6.62CR

The total outstanding due after the reversal on your credit card account is Rs.3, 574.60. We request you to make the payment immediately in order to avoid further charges on your credit card account.

We regret our inability to reverse further charges on your card.

Looking forward to your co-operation in the interim.
Sincerely,

Abdul Rauf
Customer Service Manager
ICICI Bank Limited

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.






-----Original Message-----
From: Mr. Pravin ([protected]@gmail.com)
Date: Monday, November 10, 2008 12:06 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: Feedback Email

Dear Mr. Abdul,

Are you sure that I have used the ICICI card for shopping of Rs. 4679.43 or this is the charges that ICICI has levied on me for no reason. Secondly as discussed with sutomer care in May 2008 I have been asked to pay only that amount which is being used by me for shopping and not the other charges levied by ICICI. But again I did not receive any consolidated statement till may 2008 in time from ICICI to clear this transaction.



I shall once again repeat that if anything in this amount is being used for shopping I will pay else I will not, as ICICI has not paid proper attension to my querries and complaints that I am reporting since January 2008 (I have records of my telephone bills).

I look forward for better settlement of this account.

Regards,

Pravin Bhaise
[protected]


On 11/8/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
Dear Mr. Bhaise,

The total outstanding due on your credit card account is Rs.4, 679.43, we request you to write to us for the cancellation of credit card after making payment towards credit card account.

Sincerely,

Abdul Rauf
Customer Service Manager
ICICI Bank Limited

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.





-----Original Message-----
From: Mr. Pravin ([protected]@gmail.com)
Date: Monday, November 03, 2008 10:33 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: Feedback Email

Dear Mr. Saifuddin,

I regret to inform you that I have paid all the amount which I spent on this card, after discussing at ICICI cutomer care on telephone. I do not wish that ICICI shall pay the amount that I have spent but at the same time I do not wish to pay for any extra that has been charged to me.

In case if you are unable to reverse the charges then treat this card closed, as I have not used it since three months and do not wish to use any of ICICI services in future.

Regards,

Pravin Bhaise
[protected]


On 10/21/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
Dear Mr. Bhaise,

We understand your concern.

However, we regret our inability to process your request for the reversal of financial charges levied on your credit card account due to the non receipt of the complete payment.


Sincerely,

Saifuddin Chowdhury
Customer Service Manager
ICICI Bank Limited

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.



-----Original Message-----
From: Mr. Pravin ([protected]@gmail.com)

Date: Monday, October 20, 2008 02:42 PM
To: ICICI Bank Customer Care (
customer.[protected]@icicibank.com)
Subject: Re: Feedback Email

Thanks for your initiative in this regard.

I would now give my credit card number - [protected].

Please proceed further to resolve this issue.

Regards,

Pravin Bhaise
[protected]


On 10/14/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
Dear Sir,

We tried to contact you on your mobile number [protected] at 5:03 pm, however you were not contactable.

We are unable to trace out your 16-digit credit card number in our records.

Please provide us your complete 16-digit credit card number for faster resolution of your query and to assist you further.

Alternatively, we request you to call up on our 24-hour Customer Care, to place your requisition and our customer care officers would be glad to assist you.

Please contact our 24-hour Customer Care Centre. Click here for the Customer Care no's:
http://www.icicibank.com/pfsuser/customer/cuscarenos.htm

Looking forward your cooperation to serve the best service always.

Sincerely,

Panthati Nagaraj
Customer Service Officer
ICICI Bank Limited

ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch.

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.

-----Original Message-----
From: Mr. Pravin ([protected]@gmail.com)
Date: Wednesday, September 24, 2008 08:55 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: Feedback Email

Dear Officer,

I am extremely sorry that i can't give you my credit card number here. Morover my number [protected] is well in reachable limits. In fact I recd more than 20 calls yesterday throughout the day.

You shall try number like [protected] or check out with your service provider.

Regards,
Pravin Bhaise
[protected]

On Tue, Sep 23, 2008 at 8:53 PM, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
Dear Mr. Bhaise,

For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com

We want to resolve your query faster.

We tried to trace your credit card no in our records, However we are unable to find it.

Please provide to us your complete 16-digit credit card number to assist you.

Alternatively, call our 24-hour Customer Care to place your requisition for the same.

We have tried to contact you on the telephone number [protected], we were unable to get through.

Safe Banking Tip:
Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.

Sincerely,

G. Phaneendra
Customer Service Officer
ICICI Bank Limited

Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking>Cards>View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.





-----Original Message-----
From: Mr. Pravin ([protected]@gmail.com)
Date: Tuesday, September 23, 2008 07:22 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Feedback Email

Dear gentleman / lady,

Thanks for writing me and reminding me that I have not used ICICI credit card since a month. To tell you I have not used it since two months, please verify. The reason for not using it is the late payment charges which were levied in January 2008 still not waved off even after reporting to customer care and the amount due to late payment charges and interest is increasing.

You see before January that I have used this card sincerely and paid all the dues spend by using ICICI credit card. So if I did not receive the proper communication from ICICI I will prefer to close this card and get something else.

I am really very sorry to say that I used to get ICICI statements sometimes late and many a times cheques from ATM are not properly collected. Please correct these small errors from your system and I am sure that you will get more customer satisfaction than complaints.

--
Thanks & Regards,

PRAVIN H. BHAISE
Mo: 91 [protected]

Looking forward for the suggestions

Regards,
Pravin