ICICI Bank — About the auto debit charges

Address:

Hyderabad, Andhra Pradesh

Dear Sir, i got a call from some Executive that they are offering the credit card based on the car loan which i had then i said ok for that then he told he need address proof and ID proof then i told him i not having the address local then he asked for the ICICI bank statement for that. i gave him the pan cars Xerox, bank statement & office ID Xerox then he gave a application form he kept some marks where i have to sign then i sign there then he took the Xerox copies & application form and i asked him to fill the application in front of me then he told he will fill the application in office i said ok. after that i got the credit card on June 2014 and used credit and paid the bill with the other SBI but in some months i paid the minimum bill with SBI bank but they charged the auto debit charges every month. Even though i am paying the minimum bill they charged the auto debit charges every month. In march 20 i came to know that they are charging the auto debit charges every month then i asked them first they told they have to retrieve the application and they took some 30 days for that after more than 50 follows they responded to me they told its not possible to refund the amount since minimum amount auto debit option is selected. iam paying the minimum amount due from the SBI Bank why there people are charged the auto debit charges so they have to refund the auto debit charges. After long followups they connected to ms anitha first she told that it is not possible to refund the auto debit charges after that she told he can refund only the 2 months then i asked her for total then she told its not possible. then i asked that your executive has not given info regarding the auto debit charges then she replied that he is not the employee of ICICI bank then i told her that if he is not a employee of icici bank how can he process my card and how can he show the ICICI bank ID card. then she told if you want you can complaint. one person call me he is telling that what ever you want you can do. my concerns: 1. Even though i paid the MINIMUM amount through the other account(SBI) they charged the auto debit charges they have to charge the auto debit charges if i am not paying the minimum amount. 2.how an NON ICICI bank person will process my credit card and if he is not icici bank employee how he come to know about my car Loan then there is a leakage of data to other people that means no security. 3.they are telling that they will take legal action if iam not paying the bill, even i paid the bill. Credit details: [protected] hyderabad