ICICI Bank — request to refund the late payment charges which happened due to a miscommunication

Hi sir/ mam,

I have been a loyal customer of icici bank since 7+ years and have been using this icici credit cardwith number [protected], since then.

I have never missed my emis.

Till june 2019, my emis was auto debiting from bank account on 26th of each month and hence, i didn't get any late fees charges till then.

However, things changed when i closed that bank account.

Having less knowledge on financial matters, i had called icici call representative and she had told me that the last date for my emi payments is last working day of each month.

Now, i had started giving emis manually from july 2019 while keeping in my mind the conveyed last date of payment which was 30th/ 31th of each month.

I have paid emis on the following dates:

S. No billing cycle for which payment was made date of payment late fees charged incl gst
1 8 june 2019 to 8 july 2019 29th july rs 590
2 8 aug 2019 to 8 sep 2019 29th sep rs 590
3 8 sep 2019 to 8 oct 2019 29th oct rs 590
4 8 oct 2019 to 8 nov 2019 30th nov rs 590
5 8 nov 2019 to 8 dec 2019 31th dec rs 590
6 8 dec 2019 to 8 jan 2020 27th jan 2020 rs 590
7 8 jan 2020 to 8 feb 2020 27th feb 2020 rs 590
8 8 feb 2020 to 8 march 2020 26th march 2020 rs 590

Total rs 4720

Refer attached snapshots of the same in the attachments.

All these months, icici bank never smsed me about these late payment charges.

I also never bothered to check credit card statmemnts as i had blind trust in icici bank and its employees.

However, i was recently shocked to learn that i have been charged late fees for paying emis late by 1 or 2 0r 3 days (As in actual, due payment date is 26th of every month), which was only due to communication error from your icici call representatives.

Keeping in mind that i am a loyal customer of icici who has never missed his emis, i would urge you to kindly, refund me all the late fees charges that i have paid to the bank all these months, amounting to rs 4720 (Rs 590*8months).

Thanking you in anticipation.

Regards,
Aftab