ICICI Bank
Harrasment by the bank and foul charges

Harrasment by the bank and foul charges

I am the Credit Card holder for the following card:

ICICI Silver Card - 4477 4680 8263 1008 since 5 years.

I am using the this card for more than 5 years from past 1 year I am not using this card. Now for so many months I am following up with different employees of the bank that I want to settle the amount or convert the balance amount to EMI and want a reversal on the unnecessary charges and interest levied on me. I have used around 45, 000 only they have made now it as 73, 425.16 and telling me to settle the amount at one shot. As of now recession is there. Running family is the main problem for me. On contrary to that I receive stupid calls and I am getting harassed by the DSA agencies hired by the bank. This kind of verbal harassment is really giving me sleepless nights. Secondly when I called the customer service executive, she is very casually saying that I cannot put a request for settlement as I am a normal payer and not a defaulter, so if I default for 2-3 months then only I can place a request for settlement. Here I am ready to settle the amount or pay the amount by EMI and the bank is not bothered, and just interested to put me in a debt trap and on the contrary put me on the verbal harassment by this goons hired by the bank. What they want is that I pay a min amount and be in their debt trap forever and they keep on enjoying interest from me. I have been a great customer for the bank by giving huge interest in personal loan and credit cards but now I will not entertain any of this. I have canceling my cards and warning the bank not to bother me with unnecessary calls or else I will take legal action. But needless to say they are still continiuing to harass me and telling me to do the min amount payment. Around 3-4 diffrenet ppl from different agencies call me. Now they have sent a letter stating that they will take the amount from my Saving account which salary is credited. If this continues I have to die.

Can you help me what are the regulations under RBI and how my problem can be solved and what actions can be taken against them.

Company: ICICI Bank
Country: India

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