Dear Sir/ Madam,
I have a ICICI credit card with me. Card No. 5177194291512009. I had given my company adress and E-mail ID for the corruspondence. I left that company in December and requested ICICI for change of adress and E-mail ID. But they did not take my request as my cheque book request was also there same time.
I didn't received the statement so I had made the cheque payment for the due amout. I am not aware of if that cheque was honoured or dishonoured as the all my statements are going to my old compant adress.
I again contacted ICICI for checking the status and change of adress, they told they have not received the payment and I told them to send the statements again and change my adress and e-mail ID. I had given the cheque no by which I had made the payment to the ICICI customer care executive as well as the person who was came to my house for the new adress varification. A nd he told me that he will check and confirm that cheque status.
But they once after the adress confirmation they directly taken out money due money with interest and financial charges from my ICICI savings account. They never informed me for the non receipt of payment. Even I myself asked about the statement as I was not receiveing any statements from ICICI. Height to it is even after they taken out their due money with late payment fees and financial charges they are still charging me late payment fees and financial charges. The late payment fees and financial charges they put me are huge and it is again increasing with compound interest.
All the correspondence mails are attached herewith for your info.
I sincierely request you to help me out and give me justice.
Thanks & Regards,
Kishor Patil.
Mobile: 9833066433/9323720340
From: "kishor kisan patil" | Add to Address book |This is spam
To: "ICICI Bank Customer Care"
Subject: Re: RE:'ICICICARE=033-593-700' Re: Payment due date reminder
Date: Sun, 12 Apr 11:08:25 IST
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Dear Mr. Venkatesh,
Its height of all.
Yesterday you had agreed that you will reverse all the late payment & finance charges put in my account. You will check for the payment I made to ICICI & if its credited, you will also reverse the money you taken out from my ICICI savings account.
Its surprising that you don't follow you're commitments. You're mail is not inline with the telephonic discussion we had.
I don't expect any more support from you.
We will meet in consumer court.
Kishor.
On Sat, 11 Apr ICICI Bank Customer Care wrote :
>Dear Mr. Patil,
>
>
>Further to our telephonic conversation dated onApril 11,
>we inform that as your credit card account has been permanently deactivated due to non receipt of payment an amount of rs. 15, 513.66 has been debited from your savings account dated on March 19 and there is an outstanding balance of Rs. 461.41 as on date.
>
>Sincerely,
>
>
>Venkatesh
>Customer Service Officer
>ICICI Bank Limited
>
>"ICICI Bank now offers 8.50% p.a. on fixed deposits for 390 days and 590 days, 8.75% p.a. for 990 days. Please contact any ICICI Bank branch."
>
>CONFIDENTIALITY INFORMATION AND DISCLAIMER:
>This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
>
>
>
>
>&--Original Message&--
> From: kishor kisan patil (
>[email protected]
>)
>Date: Friday, April 10 12:00 PM
>To: ICICI Bank Customer Care (
>[email protected]
>)
>Subject: Re: RE: Re: Payment due date reminder
>
>Dear Mr. Ahmad,
>This is not acceptable.
>I have myself made hard attempt for change of adress and e-mail id.
>I think ICICI is making business by not allowing account holders to update the information and creating the situation for making defaults and putting up penalty and financial charges.
>I had made the payment, given cheque nos to your customer care executives and the executive who came to my house for adress verification.
>You have allready stolen my money from my account without my knowledge. And still you are again asking for other finance charges. If you have allready recovered total due money along with finance charges and penalty how can you still charge finance charges to me in this month?
>And as off you have taken all money why my card is deactivated?
>If you will not return all my money I will put a case in consumer court.
>Kishor.
>On Wed, 08 Apr ICICI Bank Customer Care wrote :
>>Dear Mr. Patil,
>>
>>We regret the inconvenience caused to you.
>>
>>As an ICICI Bank Credit Card holder, you are governed by the terms and conditions of the Card Member Agreement, under which you have authorized the Bank to debit your ICICI Bank account to the extent of any outstanding amount due on the Credit Card that proves to be un-collectable from you, and other amount due to the Bank by you in terms of the Card Member Agreement.
>>
>>The relevant extract from the terms and conditions is set out hereunder:
>>
>>"In addition to the general right to set off or other right conferred by law or under any other agreement, the Bank may, without notice, combine or consolidate the standing balance on the Card Account with any other account (s) which the Card member maintains with ICICI Bank and its Group Companies, and set-off or transfer money standing to the credit of such other account (s) in or towards the satisfaction of the Card Member's liability to ICICI Bank under his/her Card Account."
>>We further state that the Bank has a bankers' lien on your account as statutorily granted and available to any bank in accordance with our rights as set forth above.
>>
>>We inform you that the credit card is permanently deactivated due to non receipt of the payment.
>>
>>The total amount outstanding on your credit card account is Rs.461.41 as on April 07.
>>
>>We request you to make the payment to avoid financial charges.
>>
>>You may change the address online. Please follow these steps:
>>
>>Logon
>>to
>>www.icicibank.com
>>with your User ID and Password.
>>Click on 'Cards'
>>Click on 'Other Request'(Under Service Request)
>>Click on'Request for Address Change'.
>>
>>Alternatively, you may contact our 24-hour Customer Care for the address change.
>>
>>Please click on this link to get the Customer Care contact numbers:
>>
>>http://www.icicibank.com/pfsuser/customer/cuscarenos.htm
>>
>>Sincerely,
>>
>>Ahmed
>>Customer service officer
>>ICICI Bank Limited
>>
>>ICICI Bank now offers 8.75% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch.
>>
>>CONFIDENTIALITY INFORMATION AND DISCLAIMER:
>>This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
>>
>>
>>
>>
>>&--Original Message&--
>> From: kishor kisan patil (
>>[email protected]
>>)
>>Date: Tuesday, April 07 12:49 PM
>>To:
>>[email protected]
>>(
>>[email protected]
>>)
>>Cc:
>>[email protected]
>>(
>>[email protected]
>>)
>>Subject: Re: Payment due date reminder
>>
>>Dear Sir/ Madam
>>I am fed up with ICICI. Your customer care execuives don't know how to talk to a customer.
>>
>>My biling adress is changes as I have changed my job. I have requested for change of adress several times to your customer care executive in the month of december 08. I had also sent a mail for change of adress and e-mail id. Nobody took the request stating your cheque book request is under progress and they cannot take another request for change of adress.
>>Last month again i called up your customer care executive for change of adress.
>>Then they sent me the bills. I had informed them that the balance payment which they were showing is allready paid by me by cheque. I had also given the cheque no to customer care executive and the person who came to my new adress for adress confrmation. And requested to remove all finance charges and late payment charges put in my account.
>>Ignoriong my request you directly debited money along with finance charges and late payment fees from my savings account with ICICI.
>>Who give you the permission to do so? How can you take out money without my knowledge that also when I paid the money.
>>Either you check your account, clear issue and pay back late paymnet & finance charges or else I am going to put case in conumer court.
>>I don't have any belief in ICICI I am also going to close my account and credit card. I don't want to keep any relationship with ICICI hence forth and also going to wirte to newspapers and TV news channels about the fraud case.
>>Kishor.
>>On Fri, 03 Apr Customer Care wrote :
>>>Please add [email protected] to white list/safe sender list.
>>>Otherwise, your mailbox filter or ISP may stop you from receiving your
>>>e-mail statement.
>>>
>>>
>>>Dear Mr. KISHOR PATIL
>>>
>>> Payment on your ICICI Bank Credit Card account no 5177 XXXX
>>>XXXX 2009 is due on 07/04. You may choose to pay the total bill
>>>amount of Rs. 461.41 or the minimum amount of Rs. 100. Please ignore
>>>this message in case your payment is already made.
>>>
>>> Regards,
>>> ICICI Bank Credit Cards Team.
>>>
>>> %__
>>>
>>>This is a system generated mail. Please do not reply back to this email
>>>ID. If you have a query or need any clarification you may:
>>>
>>>(1) Log in to your account online and write to us through Accounts
>>>Manager,
>>>(2) Visit the 'Email Us' link at www.icicibank.com to send us an e-mail
>>>or
>>>(3) Call our 24-hour Customer Care
>>>
>>>Discover a new way of paying your Credit Card bills from your bank
>>>account anytime anywhere by using ICICI Bank iMobile. GPRS users, SMS
>>>iMobile to 56767661. For details, please click here
>>> .
>>> %__
>>>
>>>CONFIDENTIALITY INFORMATION AND DISCLAIMER
>>> This email message and its attachments may contain
>>>confidential, proprietary or legally privileged information and is
>>>intended solely for the use of the individual or entity to whom it is
>>>addressed. If you have erroneously received this message, please delete
>>>it immediately and notify the sender. If you are not the intended
>>>recipient of the email message you should not disseminate, distribute or
>>>copy this e-mail. E-mail transmission cannot be guaranteed to be secure
>>>or error-free as information could be intercepted, corrupted, lost,
>>>destroyed, incomplete or contain viruses and the ICICI Bank accepts no
>>>liability for any damage caused by the limitations of the e-mail
>>>transmission.
>>> %__
>>>
On Sat, 11 Apr ICICI Bank Customer Care wrote :
>Dear Mr. Patil,
>
>
>Further to our telephonic conversation dated onApril 11,
>we inform that as your credit card account has been permanently deactivated due to non receipt of payment an amount of rs. 15, 513.66 has been debited from your savings account dated on March 19 and there is an outstanding balance of Rs. 461.41 as on date.
>
>Sincerely,
>
>
>Venkatesh
>Customer Service Officer
>ICICI Bank Limited
>
>"ICICI Bank now offers 8.50% p.a. on fixed deposits for 390 days and 590 days, 8.75% p.a. for 990 days. Please contact any ICICI Bank branch."
>
>CONFIDENTIALITY INFORMATION AND DISCLAIMER:
>This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
>
>
>
>
>&--Original Message&--
> From: kishor kisan patil (
>[email protected]
>)
>Date: Friday, April 10 12:00 PM
>To: ICICI Bank Customer Care (
>[email protected]
>)
>Subject: Re: RE: Re: Payment due date reminder
>
>Dear Mr. Ahmad,
>This is not acceptable.
>I have myself made hard attempt for change of adress and e-mail id.
>I think ICICI is making business by not allowing account holders to update the information and creating the situation for making defaults and putting up penalty and financial charges.
>I had made the payment, given cheque nos to your customer care executives and the executive who came to my house for adress verification.
>You have allready stolen my money from my account without my knowledge. And still you are again asking for other finance charges. If you have allready recovered total due money along with finance charges and penalty how can you still charge finance charges to me in this month?
>And as off you have taken all money why my card is deactivated?
>If you will not return all my money I will put a case in consumer court.
>Kishor.
>On Wed, 08 Apr ICICI Bank Customer Care wrote :
>>Dear Mr. Patil,
>>
>>We regret the inconvenience caused to you.
>>
>>As an ICICI Bank Credit Card holder, you are governed by the terms and conditions of the Card Member Agreement, under which you have authorized the Bank to debit your ICICI Bank account to the extent of any outstanding amount due on the Credit Card that proves to be un-collectable from you, and other amount due to the Bank by you in terms of the Card Member Agreement.
>>
>>The relevant extract from the terms and conditions is set out hereunder:
>>
>>"In addition to the general right to set off or other right conferred by law or under any other agreement, the Bank may, without notice, combine or consolidate the standing balance on the Card Account with any other account (s) which the Card member maintains with ICICI Bank and its Group Companies, and set-off or transfer money standing to the credit of such other account (s) in or towards the satisfaction of the Card Member's liability to ICICI Bank under his/her Card Account."
>>We further state that the Bank has a bankers' lien on your account as statutorily granted and available to any bank in accordance with our rights as set forth above.
>>
>>We inform you that the credit card is permanently deactivated due to non receipt of the payment.
>>
>>The total amount outstanding on your credit card account is Rs.461.41 as on April 07.
>>
>>We request you to make the payment to avoid financial charges.
>>
>>You may change the address online. Please follow these steps:
>>
>>Logon
>>to
>>www.icicibank.com
>>with your User ID and Password.
>>Click on 'Cards'
>>Click on 'Other Request'(Under Service Request)
>>Click on'Request for Address Change'.
>>
>>Alternatively, you may contact our 24-hour Customer Care for the address change.
>>
>>Please click on this link to get the Customer Care contact numbers:
>>
>>http://www.icicibank.com/pfsuser/customer/cuscarenos.htm
>>
>>Sincerely,
>>
>>Ahmed
>>Customer service officer
>>ICICI Bank Limited
>>
>>ICICI Bank now offers 8.75% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch.
>>
>>CONFIDENTIALITY INFORMATION AND DISCLAIMER:
>>This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
>>
>>
>>
>>
>>&--Original Message&--
>> From: kishor kisan patil (
>>[email protected]
>>)
>>Date: Tuesday, April 07 12:49 PM
>>To:
>>[email protected]
>>(
>>[email protected]
>>)
>>Cc:
>>[email protected]
>>(
>>[email protected]
>>)
>>Subject: Re: Payment due date reminder
>>
>>Dear Sir/ Madam
>>I am fed up with ICICI. Your customer care execuives don't know how to talk to a customer.
>>
>>My biling adress is changes as I have changed my job. I have requested for change of adress several times to your customer care executive in the month of december 08. I had also sent a mail for change of adress and e-mail id. Nobody took the request stating your cheque book request is under progress and they cannot take another request for change of adress.
>>Last month again i called up your customer care executive for change of adress.
>>Then they sent me the bills. I had informed them that the balance payment which they were showing is allready paid by me by cheque. I had also given the cheque no to customer care executive and the person who came to my new adress for adress confrmation. And requested to remove all finance charges and late payment charges put in my account.
>>Ignoriong my request you directly debited money along with finance charges and late payment fees from my savings account with ICICI.
>>Who give you the permission to do so? How can you take out money without my knowledge that also when I paid the money.
>>Either you check your account, clear issue and pay back late paymnet & finance charges or else I am going to put case in conumer court.
>>I don't have any belief in ICICI I am also going to close my account and credit card. I don't want to keep any relationship with ICICI hence forth and also going to wirte to newspapers and TV news channels about the fraud case.
>>Kishor.
>>On Fri, 03 Apr Customer Care wrote :
>>>Please add [email protected] to white list/safe sender list.
>>>Otherwise, your mailbox filter or ISP may stop you from receiving your
>>>e-mail statement.
>>>
>>>
>>>Dear Mr. KISHOR PATIL
>>>
>>> Payment on your ICICI Bank Credit Card account no 5177 XXXX
>>>XXXX 2009 is due on 07/04. You may choose to pay the total bill
>>>amount of Rs. 461.41 or the minimum amount of Rs. 100. Please ignore
>>>this message in case your payment is already made.
>>>
>>> Regards,
>>> ICICI Bank Credit Cards Team.
>>>
>>> %__
>>>
>>>This is a system generated mail. Please do not reply back to this email
>>>ID. If you have a query or need any clarification you may:
>>>
>>>(1) Log in to your account online and write to us through Accounts
>>>Manager,
>>>(2) Visit the 'Email Us' link at www.icicibank.com to send us an e-mail
>>>or
>>>(3) Call our 24-hour Customer Care
>>>
>>>Discover a new way of paying your Credit Card bills from your bank
>>>account anytime anywhere by using ICICI Bank iMobile. GPRS users, SMS
>>>iMobile to 56767661. For details, please click here
>>> .
>>> %__
>>>
>>>CONFIDENTIALITY INFORMATION AND DISCLAIMER
>>> This email message and its attachments may contain
>>>confidential, proprietary or legally privileged information and is
>>>intended solely for the use of the individual or entity to whom it is
>>>addressed. If you have erroneously received this message, please delete
>>>it immediately and notify the sender. If you are not the intended
>>>recipient of the email message you should not disseminate, distribute or
>>>copy this e-mail. E-mail transmission cannot be guaranteed to be secure
>>>or error-free as information could be intercepted, corrupted, lost,
>>>destroyed, incomplete or contain viruses and the ICICI Bank accepts no
>>>liability for any damage caused by the limitations of the e-mail
>>>transmission.
>>> %__
>>>
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