ICICI
Levying of excess charges

I purchased merchandise worth Rs.95800 in the month of October using ICICI bank credit card. I didn't receved any statement from bank for the same. I thought that my purchses would amount to around Rs.94500 and paid Rs.95000. Every month I used to pay 10days before due date. Same way that month also inspite of due date being 30th Nov I paid the amount (Rs.95000) on 21st Nov. After expiry of due date I received marketing call from credit card department and then i requested them to send me statement. Then they sent me statement on 10th December. In the next months statement I have been charged interest of Rs.3600 for not paying Rs.800. That too because of non receipt of statement.

Then I called up and explained the regarding the same but they never tried to reverse the interest. After that I had to go to bangalore on official tour for 3 months and couldn't contact anybody regarding this.

Again on 31st April I received a letter from banker stating that "If I am not going to pay credit card dues within 7days from the date of receipt of that letter my savings account would be leined for this payment". On 5th May I made a deposit of Rs.24000 for my personal loans EMI to savings bank account. But banker has deducted that amount for credit card and I was made defaulter for personal loan EMI also. Apart from that bank has sent collection agents to my home and threatened my family members. Even after me paying my personal loan EMI also they came regarding that to my home. Then I called concerned manager and informed about the incident. He was simply saying that they might not aware of payment.

I paid Rs.1500 more than my credit card amount that I have bought while paying personal loan amount. But now they are saying that I still need to pay Rs.6500 for credit card and harassing me over phone for the payment of Rs.6500.

More over my name has been updated in CIBIL and when I applied for credit card of Kotak, they've rejected my application because of this.

I urge you to consider this case and do me justice.

Company: ICICI
Country: India

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