I had deposited 2 checks from my Company's Current account on 13th November to my saving account in ICICI Bank, new Friends Colony, New Delhi. as i had to make ICICI Credit card Payment and i had to go to mumbai for vacation so i deposited extra money which i should have been able to withdraw from atm in mumbai.
I issued a check for credit card payment from my saving account.
I went to mumbai for vacation from 14th to 20th November.
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As it was peak season i had to take hotel room at a higher rates and i was short of money so i went to withdraw money from atm, it was to my surprise that their was not money transferred to my account. and another surprise came in another hour by an SMS that my credit card payment check had bounced for which i was put late fees, late payment, check return charges and interest, etc. I had to borrow money from my client which was really an embarasement for me. i could not spend extra money with my family for which my wife and kid was annoyed with me, my trip to mumbai was in vein.
when i came back i made a complaint to ICIC bank regarding my check misplacement, after checking they clearly send me an SMS saying that the check has not been received by them.
Then on 22nd December ICICI bank would have found these 2 checks and they presented them in the bank, but as i was not expecting these checks my current account was short of funds on that date, and one of the check returned back due to which my current account bank charges me fine for check returning.
Now i requested paid the amount due on my card and cleared the balance [payment without paying the fine, i requested icici credit card department to wave off the charges giving them the complaint reference, but they did not take any action and have blocked my card. Stay away from ICICI bank!
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