ICICI Bank — Regarding the negligence of the bank customer service

Address:

040

My name is P.Jyothi holding icici a/c ends with 130*****1048, and credit card. I recently got a call from the bank regarding the personal loan. Even though I am not interested to take the loan I convinced to take bcoz of no processing fee and less interest. Immediately with n two days of time I got the amount. They charged processing fee, interest and also service tax. I was ok with that so I continued to pay monthly installments. Actually I don’t know how to pay the loan amount so for the first time I paid through IVR (via mobile) and I ask the customer care executive to activate the auto debit option. So By 22 nd of every month I need to pay the installment, so I have deposited 20000 rs in my savings account before 22nd only. But they dint debit the amount, moreover they charged 500 late fee, interest 908, st 131 and again st 72 /- .when I got to know the news immediately I paid the amount by 30th. For just 8 days should I need to bear it for their negligence activity?I cannot bear it so I just want to close all my accounts and want to continue with other bank.