[Resolved]  ICICI Bank Limited — Amount Paid but not Reflected in the Ac

Address:

Coimbatore, Tamil Nadu

Sir

I Mr.Nachiappan, have ICICI Bank credit card 5176 5371 7500 4009 which was given to me when I worked at Bangalore in 2007. I kept on paying dues regualarly for till 2009. Due to unexpected huge expenses I met for my Parents Medical expenses, I could not pay monthly dues. In 2012, one Agent from Bangalore contacted me and I agreed to close the Card with One Instalment in full for Full/final settlement. He insisted me to pay the amount in Bangalore and in Cash only. As I wish to close the account, thru my friend at bangalore I paid the amount of Rs.25,800/- on 10.08.2012 and the agent gave original SETTLEMENT LETTER and RECEIPT. My friend has taken the Photo copy of the agent's ID card also. The amount was not credited to my A/c till date. On taking up with Customer Care from September-2012 onwards, now (after 9 months) , ICICI bank is telling that the SETTLEMENT LETTER & RECEIPT are not original and No settlement is offered to my A/c. I have furnished the phone number of the Agent and person collected money and email he has sent to me (Contacted Agent Name : Anil / Mob : [protected] || Agent collected money : Sreekumar / Mob : [protected] || Email sent from : [protected]@rediff.com) to the bank.
Even after providing all the above details, Unfortunately, ICICI bank did not want to take action on the agent and informed that the documents were not genuine and hence they could not close the A/c.
For the Bank, its easy to find the Agent and recover the money thru above details and also the photo Id. But bank simply closed the matter by not doing anything.
For the Agent's action, how can the customer be responsible. Its for the bank, not to use CHEATING agents for recovery. Or Don't use Agents - let bank's own employees go for recovery.
Supporting indirectly like this, the agent may go on to cheat the bank and customer.
What a stupid action from the Bank. I did not expect the bank would tell after 9 months about the documents. I AM SURPRISED / SHOCKED TO KNOW THAT AN AGENT OF A PRIVATE BANK CAN CHEAT BOTH A CREDIT CARD CUSTOMER AND A BANK, BY PROVIDING FAKE SETTLEMENT LETTER / RECEIPT AND BANK DID NOT MIND THAT.

I warn/request all the credit card customers of ICICI Bank to check fully before going for settlement thru AGENT. You may land in trouble. From my own experience, BANK WILL SUPPORT ONLY THE AGENT AND NOT YOU. INDIA'S LARGEST PRIVATE SECTOR BANK'S CUSTOMER SERVICE IS WORST AND VERY WORST. I REQUEST ICICI CREDIT CARD HOLDERS TO TAKE CARE WHILE GOING FOR SETTLEMENT. VERY WORST CUSTOMER SERVICE FROM ICICI BANK.

I HAVE ONLY ONE OPTION TO MOVE TO OMBUDSMAN AND SEEK DAMAGES FOR MENTAL AGONLY/LEGAL EXPENSES also.

Can I get any help in this forum to solve my problem/how to proceed further?

NACHIAPPAN