ICICI Bank — Providing excess emi tenure than what the customer requested

I got a call from ICICI bank stating that I am eligible for a pre-approved loan of 3lakh for 6.5% interest based on my diligent spend of ICICI credit card.

I agreed with the loan for a tenure of 12months, but the executive has processed the loan for a tenure of 48months.

The surprising part here is, they haven't sent a confirmation email or acknowledgment email regarding loan amount dispersal with any of the loan info, amount directly got credited to account.

Later after the bill generation I realised that the tenure in the bill was not the one I requested, so raised a concern with icici team but I am not getting any resolution from them and they are telling I have to proceed with 48 months tenure only.

It's completely the executives fault who processed the loan as I clearly mentioned to process the loan for 12 months tenure in the call.