ICICI Bank — Regarding false history of credit card with CIBIL

Address:

Pune, Maharashtra

My credit card no was #[protected] . ICICI charges Insurance premium on my credit card in year 2006 which I never had with bank. After many times complaining on consumer care no. they did not refunded.Surprisingly there is no procedure for written complaints in ICICI bank and nor they give any acknowledgement for it( this is the way international bank works in INDIA).In year 2007 they again deducted insurance premium from the credit card, I again call many times to their customer care no. but no action was taken . Then I did not paid the credit card payment in year 2007(probably the november)and stopped using it. Thereafter bank ask me to pay the credit bill, in response I ask them to refund the two year premium . But bank refuses and After 4 month stopped calling me. Around one and half year later bank again call me to settle the issue . they settle it and I paid the amount. BUt I found they have added this to CIBIL as defaulter . I also had ICICI personal loan no. LPPUN[protected] of Rs.95000/- . I did not paid the last three premium for the above reason during that time. Surprisingly bank never call me to pay those premium for almost 2 years. After settling the issue of credit card later I myself paid full amount of the premium and late charges of the personal loan. I had conversation on phone with some one Mr. Tabrez executive from ICICI mumbai main branch regarding all this and he commited on behalf of bank that they will remove this from CIBIL as matter is settled. But still both the issues are mention in CIBIL.Definately bank is doing to reduce my credit score and trouble me. I think this is clearly blackmail on name of CIBIL . I have gone to the CIBIL web site their is no way to keep consumers side . CIBIL mentioned in instruction that if bank refuses to remove the history they can not do any thing. All the issue starts from bank as they started deducting insurance premium(which I never had) for which I refuse . Now in CIBIL they are not mentioning their faults.