Dear Sir/Madam
I, Shashwat Kumar, received a credit card statement on 30th Oct'08 for a card that i have never received. I immediately called icici bank and raised a dispute number SR 84355272 asking for cancellation of such a card.
I came down to US on 26th September on my company's business needs for 2 years. The customer care told me that the card was delivered on 22nd Oct'08 at gurgaon (unknown address to me) with dirivng license and phone number taken down (again unknown to me)
I was staying in Pune and had nothing to do with Gurgaon. The credit card statement was of amount 1, 27, 792/- . Anyway after 15 days of receiving the statement and raising a dispute, when i checked my corporate savings bank, i was shocked to see the amount was directly debited. I immediately raised this with customer care and got the money back based on above dispute. I did not trust the bank so i quickly took out all my money from savings bank account.
I had followed the procedure of filing up the dispute giving all the necessary proofs that i was in US at that time and it is humanly impossible to be in two place at the same time.
After one month all of a sudden i receive another credit card statement saying me to pay the same amount. When i called customer care, without informing me the dispute had gone in favour of the bank. I asked on what basis did they made it in favour of yourself, it was said to me since you are out of india. Now isnt this funny that i am now out of india so they delivered to wrong person to wrong address and asking me to pay the amount.
Meanwhile as per customer care, they had cancelled my credit card. but still the auto debit facility is on which i always get debited in the bank of 56/- charge since my savings bank account does not hold the required payment amount.
i asked for reopening the dispute and they say, they wont. For that i have to be in india personally. After 1 month, my mother called me today and said that she had received threat call at my home address that i have to pay the amount of credit card, else legal actions will be taken. I did not wanted my family to get involved as my mother has a weak heart.
But no, the bank has its own mean to find correct addresses but they do not follow those methods when delivering the card.
I am currently in US involved with hectic schedule as per the economic condition to stay on top, so that i dont get fired. But given such mental harassment i am barely able to give my 100% in the work.
Also i have family commitments and liability nor am i rich as to part with this huge amount 1, 27, 792. It is my hard earned money.
Please suggest me as to what should i do to get this nightmare over.
My details would be
Name: shashwat Kumar
Credit card in question : 4477 4741 0918 8014
Thanks and Regards
Shashwat
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