ICICI Bank
Lien transferred to credit card without notice

I have not been using Credit Card 5176533599673008 since July. In fact I asked for a new card from ICICI and was issued a new one with number ending 3016. The existing card was blocked. Then I received my (online) statement in August indicating late payment fee against my old card ending 3008. I was surprised, and when called the customer service, they told they are using the same old number for their accounts, but the late payment fee is for the new card. I had paid the payment last month late by around 2 days, which had happened earlier also on a few occasions. Since I never got charged late payment fee and I always paid online, I got used to it, and never expected that I would be charged late payment fee for paying late by 1-2 days. I told the customer care executive about this, and told them that this is unreasonable. If they take off this amount this time, I can be regular from next time. There have been previous occasions also when they have waived off my late payment fee, if its one off thing. But the customer care executive didn't listen to me, and insisted that I pay the fee of Rs 400. I paid my normal bill and didn't pay the exorbitant fee of Rs 400. The ICICI guys kept on charging interest on this amount, even though I stopped using that card altogether.

Now, In April the amount of Rs 400 has become Rs 4948.78, after charging the hefty credit card interest rates. In between, I had called 2 times to the customer care asking them to waive off this amount as it was a late fee only, not the actual amount; but they didn't listen to me. Then I told them I am ready to pay Rs 500 as its will spoil my credit history unnecessarily. But they insisted I pay the full amount, which had become around Rs 4000 now.

Now suddenly, without notice, they have transferred the amount Rs 4948.78 from my ICICI bank account (which unfortunately was linked to my credit card) to pay this credit card bill, and they call this banker's lien right. And 5 days after the transaction has already happened, I receive the written notice about this.

Pretty pathetic customer service. Will I get my money refunded, and somebody can talk to me about this, so that this gets settled in the proper way.