I had an ICICI credit card. My credit limit was 44, 850.00..I have not used the card for last 20 months.
Also I was paying the min payment by ECS till Nov.
On feb 29th, they (ICICI Credit cards) debited 55000 rupees from my
ICICI savings acct and put a lien on my savings acct.
Ihad my home loan going on from my savings acct ..so I got panicked and called them up ..
The well "trained" idiot at the customer service told me to call up some other stupid guy with collections and meet him to settle my credit card account..and my due is 82, 122.10..(WOOOOW)..
Here's the best part...
I am in the USA. So I informed them that I am out of country and I asked the customer SERVICE executive to give me the number of the collection dpt personnal. But he refused to do so... I asked him that whether he could call me..The answer was "Sorry Sir..We cannot make ISD calls.." (Ridiculous!!!)..
Also he informed me that I must be in india to settle this dispute..Only other way is to pay whatever they demanded!!!
But I wanted to get my savings acct unblocked at any cost..so I paid off the amount they told me ..(I havn't seen a statement for more than an year)... I asked the executive to send me a copy of my statements..he took the request and I haven't received any statement yet and all these happened a week back!!!
Here's the second part..
Altogether, I paid an amount of 82, 796.26 in January 09 and requested to close the card.
(I paid almost 600 INR in excess..I trusted th customer care executives...)..
and an executive informed me that my card has been closed permanently..I don't have any written proof for that...
Now I got a new statement in email which says my payment due is 2685.10 and due date is Feb 20th.
I am not even able to access the card online. And there are some transactions on my card which I am not at all aware of.
Anyway I paid it off... but I need my hard earned money back... now I feel like cheated...
how should I proceed in this regard???
A reply would be greatly apprecited!!!
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