To,
The manager,
ICICI bank ltd,
Chennai.
Sir/Madam,
I was holding two ICICI credit cards, "5176377077551009 " & 4477477164644003,
There was an outstanding amount of Rupees near about 24, 000/- under card 4477477164644003, on the month of March.
I was unable to pay such outstanding, I have requested your ICICI collection executives, they have requested me to pay the amount of Rs 14, 770 /-, remaining amount can be converted to EMI,
therefore i setteled the amount of Rs 14, 770/- by online from my Salary account 021201538321 to the card "4477477164644003" which i supposed to pay the other card outstanding "5176377077551009"
on the same day Ms. Anitha From your ICICI ambattur collection excutive, she assured for the conversion of payment in to EMI for the Bothcards. convention of payment was not processed on the month of April and may also. In the month of May i received a call fom another executive to make a payment of Rs 2200/- immidietely for card "4477477164644003". As per request i have made the payment on may month.
Then there was no communication for two months & I also out of station for a oficial work to andhrapradesh,
1) Issue One :
I received a letter stating that payment of minimum due amount for card "5176377077551009". to my permanant address not to my communication address. Before making the payment of minimum due amount you have been blocked my Salar account 021201538321.
I called up the customer care regarding this issue, They asked me to pay the minimum due of Rs 2500/- to activate my salary account, I paid accordingly Rs 2500/- cash at madipakkam branch on my Credit card "5176377077551009", on the same day evening you have debited Rs 12500/- from my salary account 021201538321 for the payment of card "5176377077551009" over all my outstanding was Rs13, 000/- but the amount debited is Rs 15, 000/-. The balance amount is not refunded, and card "5176377077551009" also not activated.
In case of late payment for a small amount the late fee that you will charge is too high, But in this case from my salary account you have debited excess amount. for this issue what will be your response?
2) issue Two:
For card 4477477164644003 the outstanding amount of Rs 24, 000/-on march after paid the amount of Rs 14, 770/- for the EMI purpose on April. I paid Rs 2200/- on may. therefor there was an less outstanding amount, There was no communication about EMI conversion. But i had a regular follow up regarding the EMI Conversion to your ambattur branch over telephone,
During this september I received a call from Mr. Sekar from the same ambattur branch, for the payment of rupees Rs 14, 000/- for settelement of card "4477477164644003". I requested payement through two installations & accordingly I paid Rs 7000/- . On september. Second installement to be paid on October In september 16 th i met with accident and undergone surgery.
Due to this reason i was unable to make the payment only on October, after that i have not received any calls or letter or emails. Last month i got call from your mumbai office, for the payment of balance amount of Rs 7000/-, I requested for a no due certificate, I was assured to provide the certificate,
Now this month (feburary) after credit my salary. With out any intimation you have blocked my salary account 021201538321 and have debited Rs.13, 800/- . My actual due was 7000/- for this settlement of card 4477477164644003. But have mad debit of Rs 13, 800/-
I need answer for such process on two issues, & I request you to Refund the excess amount & reactivate my Salary Account 021201538321.
I have been put under trouble due to these kind of activites, Please do the needful.
In the absense of your response, I may escalate this issue to RBI or Consument court
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