Credit Card
Unjustified overlimit charge and interest thereof

To,

Shri Shiva Kumar Tadikonda,

Nodal Officer,

ICICI Bank Ltd.,

5th Floor,

Mohd. Illyas Khan Estate, Road No. 1,

Banjara Hills,

Hyderabad - 500034

Ref. Card No. 4477-4703-0707-4006

Dear Sir,

I am an ICICI Bank Credit Card customer for more than 3 years now. My payment status is very good as I always used to pay total amount in one stroke whatever may be the amount. Since then I have maintained the same clean record. My credit limit was Rs. 58000/ till September. Accordingly, ICICI Prudential Life Insurance Premium of Rs 20000/ was made on 25th September by the ICICI card. But, in the statement dated 28th September, I was slapped Rs. 500 fine and some service tax of Rs. 51.50 on it for over limit charge adding the total to Rs. 20551.50 without any information of lowering down my credit limit to Rs. 10000/ instead the information printed on statement dated 28th September. If the prior information was issued to me, I never used the ICICI card as I have ABN AMRO, HDFC card in my hand.

On 07.10. I called the customer service No. 9831378000 (Kolkata) and explain the matter to one Mr. Ashok and requesting him for reversal of the fake amount of Rs. 551.50 for which I was not responsible. I was informed that my reversal is accepted and a confirmation SMS will come to me within an hour. As I was assured for reversal of the extra amount, I made a payment of Rs. 20000/ though no SMS came till 10th November. Instead, to my utter surprise, ICICI bank again send a statement dated November 3rd for Rs. 925.24 as interest charge Rs 338.83 and service tax Rs 34.90 for non payment of Rs 551.50. It is not understood how Rs 338.83 is interest of Rs. 551.50.

Today, again I have tried to call the customer service through the menu guide, after 4 minutes finally I reached the customer service executive but before I could explain the matter the line is disconnected. In that case, ICICI should cancel my card as I cleared the outstanding amount without paying the fine for which I was not responsible.

Now, I have to say firmly that I could not pay any amount which is not really viable and if next statement is again generated further slapping any amount as interest or so I have to approach appropriate authority of Reserve Bank and I will lodge a case in consumer court for harassing me in false claim.

Please decide earliest and inform me within December 3rd accordingly. I am cutting the card into pieces and send it to you.

Yours faithfully,

Dated the 12th November

(KOUSHIK MANDAL)

Hi,

You can email us at care@icicibank.com. We'll be glad to assist you. Regards,

ICICI Customer Service Team.

o 1 month ago

Company: Credit Card
Country: India

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