ICICI Bank- Credit Card
Fraud in billing

In my credit card (4477473564311004) statement dated 26/07, payment received for Rs 4000/- vide cheque no 473774 was shown on date 9/7. The last date for payment as per the previous statement was 12th July. Surprisingly, in the statement a late payment fees has been added on 14/07/08 and later, on 17/07/08 debit return of the payment made vide chq no 473774 is also shown.

On checking from customer care service on 5th Aug I was informed that the cheque was returned by Vijaya bank (issuing bank) on account of "Stop Payment". Whereas, no such instructions to issuing bank were given by me. As a proof, I have the bank statement from Vijaya bank also, where the debit/return/stop payment for chq no 473774 is not mentioned. On telephonically checking from my bank I was informed that no such cheque has been returned by the bank. Also, the sufficient funds were available in my account, hence there is no chance of cheque bouncing on account of insufficient funds. When I confronted the customer care officer (Ms Savita) i was very rudely asked to write to customer care. When I asked her to atleast send me the copy of Vijaya Bank's advice of stop payment, I was told it was not possible.

ICICI bank has shown me as a defaulter in their statement for no fault of mine. But when I wanted to set the records straight bank did not cooperate with me.

This is not my first such experience with this bank, ICICI bank has done this to me earlier also, without even presenting the cheque to the bank they show it as a return only to earn few rupees for late payment fees.

They are prompt to show/report their customers as defaulter but when they are at fault they are reluctant first to accept it and even if they accept verbally, they do not tender apology to customer in writing, which he/she can use it as a defence later.

There are numerous episodes of malpractices by ICICI bank. It is the most unfriendly bank as far as Credit card customers are concerned. It is high time that the regulatory agencies shall take suo motto case against this bank for irregularities in their dealings with credit card holders.

Company: ICICI Bank- Credit Card
Country: India

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