ICICI Bank Credit Card Department
Drawing of payment from my saving account of the same bank without informing me or taking any consent from me

I am holding ICICI bank credit card since last more than four years. I am paying the usage regularly to the bank without fail. In last May I did purchasing of somewhat around Rs.40, 000/- through the card. I was to make the payment, meantime I got a call from the Customer care person of the bank that with only the processing charge I can make the payment by EMI without any interest. I accepted the option for which I got a letter saying the details about the scheme and payment breakup. The letter also stated that If I don' t wish to go for this EMI option than I can withdraw within 15 days after receiving the last statement.

I found in the breakup that I am charged very large amount as processing fees, So I decided to Pay some of the amount (Rs. 17000/-) in single shot and to go with EMI for only R.23000/-. I called to the phone banking officer to cancell those transactions from that option, she refused for the same. So I mailed the bank and paid Rs.17, 000/- in one shot. Then after according to EMI of Rs.23000/- I was making my payments along with that of my regular usage. But in the bank statement the due for Rs.17000/- was not removed and bank continued to charge me the service charges as well as late payment fees on that.

I informed the Nodal officer Mr. Prasanna Shinolkar, RBI (Banking Ombdusmant), CERC-Ahmedabad for the same by phone as well as in writting.

Me. Shinolkar contineously reassured me that I am right and will get all my money back, but no action was taken by the bank for that.

On 30th March I got a message of thanks from the ICICI bank for making the payment of around Rs.23000/-. Which was a surprise for me. I am having my salory account in the ICICI bank which was having Rs. 23000/- at that time for all my Incom tax settelment. I had drawn cheques against that amount for my Investment of 2009. ICICI Credit card department drew that amount without intimating me or taking my consent.

ICICI credit card department has never ever informened me about their such right, nor they inform me for the same. I faced it very difficult to manage my Incomtax setellement for 08-09. Still the money has not been returned.

As per the statements provided by the bank I can produce the evidences that I have paid more the amount against the amount due till december (By which my credit card has been blocked by bank).

I Have faced so much problem regarding the same. Still I am regularly getting collection calls from the bank.

I want My money back as well as compensation for whatever mental harassement I have faced in last more than one year. I WANT JUSTICE.

Company: ICICI Bank Credit Card Department
Country: India

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