[Resolved]  Lupin Limited — ICICI CREDIT CARD/BANK

Sub: Forgery complaint against ICICI Lombard (HO Hyderabad), Credit Card and Bank

I need your help on the following issue:

I have a saving (salary) account no.[protected] in ICICI bank (C-Scheme, Jaipur). I am operating since last more than 6 years. I was issued a credit card no. [protected] in 2006 by the bank as a service. I used the credit card twice and made the payment on time, details are as given:
(1) (1) 25.12.06 – for Rs. 4200/- and paid on 7/02/07 by Cheque No. 661771.
(2) (2) 01.03.07 – for Rs. 1823/- and paid on 10/05/07 by Cheque No. 144381.
Further without any concern and option from my end the credit card statament started reflecting EMIs of ICICI Lombard till July’07 for which I had to correspond to Lombard people at Hyderabad and than all the EMIs amount were withdrawn by July’07.

Further the credit card statement started reflection late fee and interest of Rs. 16847.45 against the same EMIs which were withdrawn by ICICI Lombard as informed by their letter. In fact I had no dues against my credit card till Feb’09 as I never used the Credit Card after March’07 for any purchase, for which I had approached the Credit Card department number of times and discussed with them and asked them to show the principle amount which they refused and behaved in a abusive manner. They misbehaved with me and my family number of times by coming to my house also.

In fact the Credit Card Statement in Showing only interest, late fee and service tax and there is no principle amount anywhere which proves I had never any dues.

As I had no dues towards my Credit Card so I did not pay any amount to them. But Credit Card division has withdrawn the amount of Rs. 16847.45 from my salary account in ICICI Bank.

How the bank has debited the amount of Rs. 16847.45 from my bank account in favour of credit card division ? This is my basic issue and I need your intervention.
My queries are:
(A) How the ICICI Lombard EMI was reflecting in my credit card statement, where I had never opted for.
(B) For which principle amount the late fee and interest is reflecting in my credit statement.
(C) With what intention and authority the amount has been debited from my bank account for favour of credit card.

For all the above said I have all the documents available with me, which can be presented when ever needed.

I request you to kindly ask the ICICI bank for my issue and to revert the debited amount.

As I had no other option than to take your help so I am sending these details to you.

Thanking you,

Regards,


Rajesh Chandra
Jaipur.
Mobile : [protected]