Sir,
This complaint is regarding improper recovery procedure of ICICI Bank for credit card no 5176 **** **** 4005.
On 13th May at about 3.02 PM, holder of the above said credit card received a call from a telephone no 9831834586, said to be from the SI of Police, Abhijit Majumdar, Kolkata Airport police station that a complaint of cognizable offense of cheating (u/s 420 IPC) has been lodged by the Manager of ICICI Bank relevant to the said credit card department against said credit card holder since payment of Rs. 3800/- has not been repaid by said card holder. It was also told to said card holder to call ICICI legal department's phone no 9748725537 and confirm when said payment should be collected in order to close the said criminal complaint.
Accordingly, it was told to said SI of Police, Abhijit Majumdar by the said card holder that he has been maintaining said credit card for many years and tried to maintain at least repayment of minimum payment dues to said card account every months but he was intentionally put to financial jeopardy by said bank for some forced debits made from his deposits intended for the repayment of said card account that ultimately caused failure of payment of said minimum payment dues.
However, recently a cheque Payment of Rs. 3460.00 has been repaid to said credit card on dated 13/04 through cheque no 921810 and it was then assured by the collection officer concerned that at least 50% of the disputed force debited amount concerned would be transferred to said card account and all the concerned penal charges, including late fee would be reversed to said card account as soon as said payment of Rs. 3460.00 would be credited to said card account but instead of said assurance no such reflection is noticeable in the statement of said card account till date so further repayment of said card account has been kept on hold till a reasonable resolution is achieved regarding said issues.
Therefore, it was told to said SI of Police, Abhijit Majumdar that considering the above stated facts circumstances a criminal case of cheating can not be initiated against said card holder and the complaint of said bank manager is not tenable in law, but since an investigation has been initiated about said complaint, the card holder will co-operate with the law and even though he was not prepared for the said payment right then but agreed to arrange the required payment of Rs. 3800/- on the next date, i.e. 14th May made by cheque, before the said SI of Police, Abhijit Majumdar concerned so that alleged criminal case can be resolved properly. Soon after said card holder received a call from ICICI legal/collection department from said phone no 9748725537 and confirmed his agreement of repayment of said Rs, 3800/- to said credit card account made before said SI of Police, Abhijit Majumdar and get his written acknowledgment to address said lodged complaint. So your said bank officer asked the card holder to allow her some time so that she can confirm the exact time of meeting before concerned police station next day but she did not revert back till next day.
I the said credit card holder therefore, sending this notice to your bank to clarify me as follows:-
(1) why your bank did not revert for the collection of said payment agreed before the police station concerned till date so as to resolve the legal issue and further,
(2) why counter action (legal or whatever) should not be initiated against your bank for improperly lodging cognizable criminal case against the said card holder and threatening him for collection of credit card dues in an improper manner?
Please address said issues (1) and (2) within 7 days from the date of receiving this notice by your bank so that the card holder can decide his further course of action accordingly.
Please treat this notice as a demand of justice.
Thanks & regards
The Said Credit Card Holde
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