[Resolved]  ICICI Bank — icici bank — auto debit return fee levied despite of the payment made towards my credit card.

Address:

Pune, Maharashtra, 411013

I am using icici credit card since last 2 months and make manual payments at the end of each month before due date

Similarly, i made a payment on 5th april and in my cc statement its mentioned auto debit return fee and service charges inr. 918.60. When i enquired about these charges bank said that i have auto debit facility opted on my account and due to insufficient funds charges in my linked savings bank account.

I clearly told bank:

1. I never opted for auto debit how come it was applied automatically. They don't have any proof to show... No kyc document and no request number.

2. I told them, sufficient funds were parked in my account on 30th march itself and i paid the same on my due date i. E. On 5thth april

Bank is saying auto debit is executed 5 days before due date

- as per the details, sufficient funds were there and payment was made on 5th april. Its bank issue why payments were not made or auto debit was not able to realize/check tthe balance in my account

- first i never opted for auto debit in icici.

I made payments 0-4 days before my due date but no auto debit fee was levied. The bank is unable to provide any clear answer.

I have been pressurized to pay these charges without any fault of mine.

Perhaps they have given customer relationship division to bunch of dumb people who don't understand the basic details being shared by customer.

I talked to chaitali bhat from mumbai office. She is very arrogant.

Please assist me out. I am not going to pay these charges at any cost.

Will switch to other bank as soon as possible.

Thanks icici, you screwed me up big time!!!