ICICI Credit Card
Overcharged, mental agony as no redress after repeated compalints

I had been using ICICI Bankcredit cards for a long time and had been prompt in payments on/before due dates.

. The Bank had issued a credit card statement dated 08.03.2008 in respect of my Master Gold Card no. 5176 5300 2011 0006 claiming a total outstanding sum of Rs.40, 706.89 (Rupees Forty thousand seven hundred and six and paise eighty nine only) as due payable till that day. I had duly paid the said sum of Rs.40, 707/- (Rupees Forty thousand seven hundred and seven only), vide a cheque dated 28.03. bearing no. 448983, drawn on ICICI Bank, Nungambakkam branch and the Bank has realized the said sum on 29.03.2008. But the subsequent statements, mails, phone calls and the agents who came to my home and office threatening claimed the amount as unpaid.

After many mails, letter, phone call and a personal visit to their office the reversed the penal charges and interest on May. But the later statements still claimed the amount as unpaid.

Finally in September

Later vide statement dt. 09.09.2008 the bank acknowledged the said payment of Rs.40, 707/- by the aforesaid cheque. As said above the bank had also conceded that a small mistake occurred and so the late payment charges, interest etc., were reversed to my account.

In these circumstances, while the unnecessary disputes appeared to have disappeared for some time, suddenly out of blue the bank has again claimed the said sum of Rs.40, 707/- as due vide statement dated 09.03.2009. The said sum was settled a year back and the bank acknowledged the clearance of the said dues about 7 months back and still claims the sums as due and unpaid. The bank has apparently tried to cheat and defraud one of its valuable customers.

THe bank has refused to respond to my letters and those sent by legal consel. I have sent a letter to the Banking ombudsman as wel in this regard.

They have charges as lien money from my savings bank acount illegally.

ICICI Bank will have to refund my money, compensate me for the loss of face, inconvenience caused, mental agony, depression caused when they had unilaterally without any valid reasons had deactivated the credit card and put me to shame in front of very respectable people and institutions.

I can submit all relevant records as and when necessary.