[Resolved]  ICICI Bank — Wrongful interest charged on my credit card though the payment is made before due date

Payment of my Amazon Pay ICICI credit card due amount 2.22Lakh (for April month) was made on 03-Apr (due date :: 06-Apr)
Out of this, an amount of 1.82L was credited to my card on the same date (03-Apr), where as 40k was credited into my card on 11th, 12th Apr which is after the due date. However the payment was successful from the bank side (HDFC savings account) for the entire amount of 2.22L & the same has been confirmed by my HDFC relationship manager.

I was following up with credit card customer care on the missing amount (40k) from 4th April & raised several complaints. After multiple calls & several follow-ups, the issue has been closed on 12th when the amount got credited, with a promise from escalation department saying an interest would not be charged on this amount.

But to my surprise, when the statement for May has been generated an interest amount of 9770 + GST (11.5k in total) has been charged on my credit card. This was observed on 22-Apr & I have been following up with credit card customer care & shared the transaction related details from my end, such as iMobile Pay transaction IDs, savings account statement on customer.[protected]@icicibank.com.
During this one week of time, not one time I got a call back from escalation team to review these documents.

As the payment was completed from my end & 80% of the same has been credited on the same day, it is clear that the issue with the delay is from the bank side. So I have been requesting for a waive off on the interest charged on the credit card.
But the only revert backs that I'm getting from ICICI are from people explaining how and why an interest will be charged on a credit card.
They are not taking time to review & tally the documents shared for these payments.

I have visited the nearest ICICI Bank Lanco Hills branch & after tallying the documents provided, they agreed that this is clearly a technical issue & a refund would be issued. But they are helpless to do anything as the entire credit card grievances are only being handled by Customer Care service.

I was planning to open a savings account in ICICI before all this, but all this has created a very bad impression about ICICI bank now.
Requesting ICICI team to review this request & assign someone to look into this issue at the earliest. Thanks.
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May 5, 2022
Complaint marked as Resolved 
Partial reversal of the interest has been provided by the bank.
ICICI Bank customer support has been notified about the posted complaint.
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