[Resolved]  ICICI Bank — Charging of late payment fees frequently.

Address:

Durg, Chhattisgarh

I am a credit card holder of ICICI bank.the credit card no is [protected].

I am your sincere customer with regular payment before due date from last 6 years.

Earlier even if therewould have been delay in payment, the late fee charges were waived off by the bank.

Since I know that huge late fees charged by you I am now alerting your officers on duty regarding the same.

Recently there had been 3 incidences where I have alerted the ICICI bank staff regarding not charging/ waive off late fees since I was not having any mistake.

The ICICI Bhilai staff assured me for the same but did nothing. Now they are not lifting the phone calls.

Recently in the month of May 2014 I didnot recieve the credit card statement till 06.05.2014. the statement is normally recieved on 24.04.2014 by email.

I wrote to [protected]@icicibank.com for nonreciept of statement on 06.05.2014.

They replied on 06.05.2014 that

This is a system generated e-mail. Please do not reply to it.

This e-mail address is not set up to receive incoming e-mails and therefore we will not be able to respond to your queries.

If you need assistance you may:
(1) Log in to your account online and write to us through Accounts Manager
(2) Visit the 'Email Us' link at www.icicibank.com to send us an e-mail or
(3) Call our 24-hour Customer Care.
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I then contacted customer care and requested for duplicate statement. (as there is no provision for your request only statements favorable to ICICI Bank are available on the customer care ) You can not putup your view.

they replied on 07.05.2014--

Dear Customer,

Request Number:SR[protected]

Type of query: Statement not received

Resolution: Your request has been accepted. The Duplicate Statement will be delivered to your registered email ID within 24 hrs.

Please note: This is a system-generated e-mail please do not reply.

Sincerely,
Customer Service Team.
ICICI Bank Limited.

I recieved the statement by email on 08.05.2014.
I submitted a cheque on same day ie 08.05.2014 to ICICI bank Bhilai Branch which they asked me to put in the drop box and they will take care. I have told them the whole story and that I should not be charged late fees in the next month.

I wrote to customer care on 08.05.2014 which no one responded.

I am holder of creditcard no [protected]. I was not sent the monthly statement by ICICI (through email or by post)for the month of April 2014 till 6th of May. Since I didnot recieve monthly credit card statement, I requested for the same which was sent to me on 8th May by email. I submitted the cheque on same day ie 8th May in drop box. The intimation of reciept of the cheque was given to me on 20th May by email. This indicates that I shall be charged with huge late fees in the comming month statement. May please look into for not charging me the late fees as I was not at fault.

on 20.05.2014 I got an email that
Dear Customer May 20, 2014


We have received your cheque no. 931873 of Rs. 33390 for ICICI Bank Credit Card Account 5176 XXXX XXXX 3007 on May 19, 2014. Payment subject to realisation.

Sincerely,
ICICI Bank Credit Cards Team.

Despite of my alerting the customer care persons and the bank staff as usual in the next bank statement I was mercilessly charged with late fees

Details Transaction Amount
16/05/2014 Late Payment Fee 700.00
16/05/2014 Service Tax 86.52
23/05/2014 Interest Charges 1, 716.10
23/05/2014 Service Tax 212.11

Total of Rs 2714.73

The statement was not sent to me by ICICI till 08.05.2014.
I submitted the cheque on same day.
ICICI cleared it on 19th may.
though I am not at fault I am being punished by charging late fees, card blocking without knowledge, misbehavior by the bank staff, long awiting and bad response from customer care, huge telephone bills for talking to customer care and huge mental stress.

When contacted to the branch regarding this they adviced to talk to customer care.

This is the third time since December 2013, that the late fees is charged and not returned for none of my mistake.

May please look into and do the needful.

The details of earlier latefees payments is not given here. the details are with

Mr. Sinha branch manager ICICI Bhilai (now transfered else where and not lifint the phone)
Mr Mishra Presently at ICICI bhilai branch.

May please look into and do the needful.

S V Nandanwar

Qr no 5,
Street No 18
Sector No 9
Bhilai 490001

Mobile no [protected]