During diwali in 25-26 oct when i bought a Cold bar from ICICI bank (Kondhwa, Pune Branch). Bank officials at Kondhwa Branch shared that if i use my ICICI CC to do this transaction i can deposit the whole amount in 3 installments, and they will not charge any processing free on that amount (per them a scheme is going on). i again tried to get confirmation on above (i bought gold bar worth rs: 68000, i also offered to buy gold worth lesser (18000) amount if there is no such scheme). later on my phone started ringing with call from ICICI offering to convert this amount into installments, for nominal charged (2500/-), when i enquired that i have been commumicated differently by the bank staff when i bought gold the call center staff shared that there is not such scheme. i rushed to Kondhwa branch from where i bought gold... even after a month they are not able to revert the charges, also they have charged me interest on the amount and no payment fee interest on the amount which i was never supposed to pay.
I noticed few things that how bank officials mis guided from the begining:
1) When i enquired bank that i am not sure about the limit of my ICICI bank titanium card, the person with whom i was interacting told me that it more then 100000. and i opted to use my CC for 68800. when i saw statement i saw that my limit is 68000 and i have been charged 500 for crossing the limit.
2) i was told that there is offer going on (that was last day) and i will not be charged any extra amount... i am charged 2500 . Since i deposited chq worth 2600 the same day after enquiring ICICI bank guys.
3) When i received next statement i was asked to pat ~500 INR, i asked th ICICI guys about the Charges, per them i dont need to worry about it, as it will get adjusted, now i see that i have been charged 1000 for not paying Rs 500.
4) My last concern is the way ICICI has charged me the interest on all my transactions, Are they going to pay me the same way? Also now i have started getting call from the call center time and again to pay the pending amount.
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