ICICI Bank Credit Card
Collection Threats - False commitment

I was having a Credit Card# 4477 4645 3942 8007, for which there were some issues about the settlement. It all happened in year 2007 when I was told that my credit card principle outstanding (after reducing the interest and service charges were around 25, 000 and I need to pay Rs 20, 000 in one installment to clear off the dues. The call was given by Mr. Pawan from Jhandewalan ext Branch. He gave me details of my account as till then I spent around 45, 000 from credit card and made payments of 30, 000 towards the card since it was issued. Rest of charges was only interest and service charges. I was eager to remove and close this card account so I made payment by Cheque# 124837and requested a settlement letter. However the letter was not issued. I destroyed the card and thought that the account was closed.

But, again I got call from ICICI bank, this time from Rohini branch, and they said that there was a nominal amount due of Rs 5180, I need to pay that. I again paid that amount, hoping this time it will be closed.

On 8th of May when I checked my ICICI salary account#628******060 was leaned by Rs -65, 702 and the available balance in my account was became negative. It happened without any information, or intimation given.

When I called customer care, they said it was because of the above mentioned credit card# the account was negative and I need to again settle the credit card. To discuss about the settlement, they called me to their Rohini Branch (Sector 8, SD Tower). I was in high fever, still I went because I was in extreme tension, and I was unable to decide what to do after this shock. After going there and discussion the issue with people (Mr Raman, Mr Krishna Kumar) in credit card, I was told that I need to pay atleast Rs 45, 000. They said that the entire amount I paid was only interest on the amount I spent with card. The principle was still due and I need to pay that.

Now I am really hopeless, I don’t have any money with me, bank account is frozen, don’t know what to do with this credit card balance, and the false commitment from ICICI people. The ICICI bank, these people who can’t understand people’s problems and play with them for their incentives, and Mr Kamath, I really wish you should find yourself in same position in which I am right now.

Regards,

Manish Kumar

Cell# 9899681212

Company: ICICI Bank Credit Card
Country: India

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