[Resolved]  ICICI Bank — double debit for single purchase on credit card

Address:

Mohali, Punjab

I had made a purchase of 1 samsung grand in feb 2013 against emi in icici credit card. The bill detail received in april had not converted the purchase in emi and my due amount was rs 22500. I made a complaint of the same on toll free no. where I was requested to sent a mail to plutus which is handling the backend services to convert the purchase into emi. A mail was sent as requested and next month bill was received for the emi amount only. However in the month of may the bill received for the credit card consisted of 2 emis insted of one as I only 1 purchase was done. The information of thr same was sent to the bank via email and toll free no where it was informed that the 2nd emi will be cancelled. However month after month I was receiving 2 emis. Email and t environment telephone exchanges were done with icici bank. I have credit limit of 35000 and the credit card nill showes purchase of 43000, how was it possible. After paying my 6 scheduked emis I had stopped making payments and I started receiving mail and telepjones to deposit the due amount. I was visited by the person authorised by bank to collect the dues, the same story was told to them. However no action was taken. I made a complaint in ombudsman however it was more of an eye wash as per them the matter has been settled. I have salary account with icici bank. My salary credited for the month of feb was blocked by the bank for the due amount of credit card. A mail was sent to bank to release the same. A phone was received in response to the mail howevef no action has been taken by the bank. So before taking a legal recourse I wanted to ask Pheradar for help as my whole salary has been blocked and account is showing balance of - (minus) 6000/- as the total amount due was 38000/-.