[Resolved]  ICICIcredit Card — MENTAL HARASSMENT BY ICICI CC DEPT FOR INCORRECT OUTSTANDING

ARE THE NODAL OFFICERS BLIND OR WHAT? OR DO THEY NOT UNDERSTAND SIMPLE ENGLISH???


IF I HAVE ASKED SOME ONE HIGHER TO THE NODAL OFFICERS LEVEL TO ADDRESS MY ISSUE WHY ON EARTH IS THE SAME NODAL OFFICER WHO FAILED TO RESOLVE MY ISSUE EARLIER ASKED TO RESOLVE MY ISSUE NOW..


EITHER ICICI ARE SHORT OF PROFESSIONAL STAFF OR THEY JUST WANT TO PROLONG ISSUES AND HARRASS THEIR CUSTOMERS


THIS NODAL OFFICER Ms. SUNANDA RAO…. GOD KNOWS WHAT ON EARTH IS SHE DOING IN THIS SENIOR LEVEL… SHE IS SO BLIND ENOUGH EVEN TO READ THE CUSTOMES ISSUE ADDRESED ON FORUM.

SHE WAS THE SAME NODAL OFFICER WHOM I CAME ACROSS BEFORE ADRESSING THE ISSUE ON CUSTOME COMPLAINTS FORUM .SHE HAD REJECTED MY REQUEST EARLIER AND FAILED TO RESOLVE MY ISSUES. EVEN THIS TIME BEING ADAMANT SHE EMAILED ME THE POLICIES AND PROCEDURES OF ICICI THINKING THAT THIS WAS THE BEST WAY TO RESOLVE THE ISSUE.

AFTER ME ADDRESSING THE ISSUE ON CUSTOMER COMPLAINTS FORUM.. SHE WAS SO BLIND TO READ THAT I HAD CLEARLY REQUESTED FOR SOME ONE HIGHER THAN NODAL OFFICER TO RESOLVE MY ISSUE.

SO WHAT NEXT …. THE SAME NODAL OFFICER CALLS BACK … THE SAME ARGUMENT CONTINUED VIA TELEPHONE…. AND THE SAME STATUS OF MY ISSUE REMAINS UNRESOLVED.

SHE CLAIMS TO REOLVE MY ISSUE VIA EMAIL STATING THAT SHE DOES NOT HAVE ANY RECORDS IN THE SYSTEM UPDATED BY HER AGENTS IN REGARDS TO WHAT I CLAIM… BUT SHE IS SO BLIND THAT SHE COULD NOT READ WHAT I HAD MENTIONED ON THE FORUM STATING “. Is it the customers fault if your customer service department does not update the records? How can the Nodal officer claim that a customer has not called the Customer Service department if the concerned executive has not updated the account?


ALL WHAT I HAD WRITTEN ON THE FORUM HAD BEEN REPEATED ON THE TELEPHONIC CONVERSATION BETWEEN ME AND Ms. RAO. THERE WAS NOTHING NEW, THE CONVERSATION THE RESOLUTION WAS THE SAME THAT I HAD WITH Ms. RAO BEFORE ADDRESSING THE COMPLAINT ON THE FORUM.

SHE HAS TORTURED ME MENTALLY BY GOING OVER THIS ALL AGAIN TWICE.

SHE IS SO ADAMANT AND NOT AT ALL COOPERATIVE. IRRESPECTIVE ME STATING ON THE FORUM CLEARLY THAT THE EXECUTIVES HAS NOT UPDATED THE CONVERSATIONS I HAD WITH THEM EARLIER…AND ITS NOT MY FAULT AND THAT DOES NOT MEAN I HAVE NOT CALLED THEM.

SHE LIKE A DISGUSTING PERSON CLOSES MY ISSUE STATING THAT SHE CANNOT HELP ME AS THE COMMENTS ARE NOT UPDATED…

WHY ON HELL WOULD I RAISE MY QUERY ON CUSTOMER COMPLAINT FORUM IF I ACCEPT THAT RUBBISH ANSWER SHE GAVE ME EARLIER?

DOES IT MAKE ANY SENSE TO YOU Ms. RAO? I RAISED THE ISSUE SO THAT SOME ONE MORE COMPETENT THAN YOU COULD RESOLVE MY QUERY AND CAN STOP PLAYING A RECORDER OF YOUR COMPANY NORMS AND POLICIES LIKE YOU DO.

YOU DON’T PLAY THIS NORMS AND POLICIES RECORDER EVERY TIME YOU CONVINCE YOUR CUSTOMER TO BUY A CREDIT CARD OR LOAN ETC..

JUST TELL ME WHY THE HELL DID YOU CALL ME IF YOU HAD TO GIVE ME THE SAME REPLY.

FIRST ANSWER ME AS TO WHY DID YOU CALL ME? DID YOU NOT SEE ON YOUR SYSTEM THAT YOU WERE INCAPABLE OF ADDRESSING MY ISSUE EARLIER? DID YOU NOT READ MY ISSUE ON THE FORUM WHERE I CLEARLY STATED THAT SOME ONE HIGHER THAN NODAL OFFICER SHOULD ADDRESS TO MY QUERY? HOW COULD YOU BE SO SHAMELESS TO CALL ME BACK TO ADDRESS MY ISSUE WHEN YOU COULD NOT RESOLVE IT EARLIER? EVEN AFTER YOU CALLE DTHE SECOND TIME WHERE YOU DEAF DURING OUR TELEPHONIC CONVERSATION WHEN I HAD SPECIFIED THAT I HAD A TELEPHONIC DISCUSSION WITH YOUR OFFICERS AND THEY HAD NOT UPDATED THE COMMENTS.

I AM SO FED UP WITH YOUR SERVICES. I WILL CUT THE CARD IN 4 PIECES AND COURIER IT TO YOUR DEPARTMENT.

I WILL NOT PAY ANY OUTSTANDING EXCEPT FOR THE PURCHASES I HAVE MADE WHICH I HAVE ALREADY CLEARED.

SO MY OUTSTANDING STAYS NIL.

I WILL NO MORE ACCEPT THIS HARRASMENT FROM YOUR END AND OF THIS NONSENSE CONTINUES I WILL BE FORCED TO GO TO BANKING OMBUDSMAN



ICICI Credit Card Complaints - ICICI CREDIT CARD - Interest charges
ICICI Credit Card
Posted:[protected] by HAZEL DSOUZA Send email


ICICI CREDIT CARD - Interest charges
I humbly request every individual to stop using ICICI credit card because they only loot their customers no matter how much business you bring to them.They also don It does not make any difference to them. There is no benefit of doubt. They don’t trust their customers and their customer service sucks…. Right from the lower executives right to the Nodal officers…



My ICICI Credit card Number: [protected] activated in 2007.

I have been so fed up with the ICICI credit card department. They have the post pathetic and disgusting staff. Right from Customer service department to the Nodal Officer Department.

Their customer service department is so poor, they do not update their records and we customer have to pay the brunt for it. Is it the customers fault if your customer service department does not update the records? How can the Nodal officer claim that a customer has not called the Customer Service department if the concerned executive has not updated the account?

It happened to me on 20th October 2007, where I was wrongly charged to my account for a transaction. I had called the customer service department, they asked me to fax a dispute form. I After confirming with the customer service executive the receipt of the form via fax, I was asked to pay less the amount not due to my account and was informed no additional charges like interest fee or anything extra charges will be charged till my issue is resolved. To my misfortune I trusted the customer service executive and destroyed the proof of fax and for the next 4 months till February.

Some questions to be asked here??

1) How on earth do I trust ICICI for the transactions they charge on my card?
a) Most of the time bills are sent after due date. Without going through the whole bill why the hell should I pay the full amount? What if there are incorrect transactions. If the first mistake was not corrected, how would they ask me to make full payment?
b) If the customer service executives are so inefficient and if everything needs to be written and sent across, why are the executives sitting there for? If we don’t trust them for their word why don’t they start dispatching letters for the confirmations they do?

2) Why was I getting credit for my charges if there was no proof of my dispute?

The same error occurred to me on 18th March 2008 and 21st February 2008 dual charges for Vodafone & again the same thing was repeated. I did not take it seriously as I was told the charges would be reversed to me till issues would be resolved and I was getting reversals in my account till Feb’08.

Then due to some personal reasons I was not able to follow up with ICICI and the interest charges and late payment fees were continuously being levied heavily on me. I still continued to make payments on my purchases. Then on 15th Sep’08 I had raised the same issue with the second level as per ICICI’s online complaint process, but the reply was not satisfactory as there was no proper solution been given. Then the same issue was raised to Head Quality Service wherein I received no reply. As usual it took too long for ICICI to reply for my queries or to provide solutions all the knew was to loot their customers by levying heavy interest fees.
The issue was raised to the nodal officer pleading to waive off the nuisance penalties on to my account. I had accepted and paid all the purchases due on my account and had requested for disconnection.

But they put me on stupid EMI system and rejected my application of disconnection.

I have made all my payments. And would request to please help me get rid of this nuisance ICICI credit card department.

I want to disconnect and shut my card . Please stop levying interest penalties on my card… They have been doing that and now they say I have 50,000/- outstanding. [censored]… Prove it’s the unpaid purchase and I will pay for it.


Someone please help me settle my credit card.


COULD YOU PLEASE TELL ME IF THERE IS ANY ONE ELSE ABOVE NODAL OFFICE WHO CAN RESOLVE MY ISSUE.