To
The Manager ICICI Bank
Credit Card Department
India
Sub: Refund of Rs. 13, 800.00 paid to ICICI towards cedit card
Ref. Credit Card No.5176533527251018
Sir,
I hold a credit card of ICICI of the above no. i.e. 5176 5335 2725 1018. My credit card bill for the period 19.05.2007 to 18.06.200 amounted to Rs. 13, 800. I deposited a cheque No. 484966 dated 4.07.2007 of State Bank Of India, Vadodara Branch amounting to Rs. 13800 in the collection box. This cheque was misplaced by ICICI. They then asked for the amount for which I issued another cheque of Allahabad Bank, Rajmahal Road, Vadodara dated 18.07.2007 amounting to Rs. 13800.00 which was collected personally.
The proof of all this is as follows:
In the bill for the period 19.06.2007 to 18.07.2007 I was levied late fee amounting to Rs. 337.08, which was reversed after a lot of discussion with the phone banking officer on 8.08.2007 in the bill for the period 19.07.2007 to 18.08.2007 .
Now the ICICI bank has traced that cheque and deposited the same in my credit card account on 4.10.2007 without informing me. When again I talked to the phone banking officer Mr. Chitanya he refused to note down my complaint on 7.10.2007 for refund of this money to me. He then narrates to me that the cheque was dated 4th October hence it was credited on 4th October.
Is it right on your part to debit this amount twice from my account without informing me? If it is not I once again appeal to you to refund this money in my saving bank account held with the Landmark building, Vadodra immediately. The account no. of this is 000301022485 and immediately inform me.
Udai Pratap Singh
[email protected]
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On the basis of our records, the cheque payment of Rs. 13, 800.00 is credited towards your credit card account on October 4. These are the details for your reference:
04/10CHEQUE PAYMENT RECEIVED, THANK YOU 13800.00CR
Your credit card account total outstanding amount as on October 7 is 20008.83. We regret to inform you that it is not possible to refund the cheque payment Rs. 13, 800.00.
B Raju Sun, 07 Oct 16:01:00 0530
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&-Dear Mr Raju
You have not understood my representation/complaint I presume, and hence I give once again the opportunity to rectify your mistake or else the matter will be taken up with higher authority. First the outstanding balance as on 4th October was 29, 271.00 and not Rs. 20008.83 as you mentioned for which I am supposed to pay by October 10 for which I have already deposited a cheque of Rs.29, 271.00 yesterday with your bank. So your Information system is hopelessly poor for which I can only feel pity.
Next don’t cover up your past mistake with such poor logic. You are given once more opportunity, to refund the money or else the matter will be taken up with the higher authorities.
U.P. Singh
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I had a telephonic converation with an ICICi person Shyam Sunder K assuring me of refund of my amount after the cheque is cedited.
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Dear Mr. Singh,
According to our records your total payment towards the last statement was Rs. 29, 271.00 as we have received the cheque payment of Rs. 13800.00 you have the excess amount paid by you is adjusted towards the
out standing amount on the your credit card.
As the amount is adjusted towards payment of your credit cad dues, We are unable to service your request refund of the amount to your savings account.
Looking forward to your co-operation.
Rasheejulla Baig Meerja Sun, 07 Oct 17:15:47 0530
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On the basis of our telephonic conversation we will revert to you on October 12.
Looking forward for your cooperation and patience.
Shyam Sunder K, Customer Service Manager
ICICI Bank Limited Sun, 07 Oct 18:00:42 0530
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We have not received the payment of Rs.29, 271.00 as on October 07.
Further the card payment done is through cheque, then:
i. ICICI Bank Cheque- 3 days
ii. Non- ICICI Bank cheque: a. Local-5 days b. Outstation: 10 days
Hence we request you to wait for the cheque to be credited to refund the excess amount.
Kranthi Kumar
Sun, 07 Oct 18:45:06 0530
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Sub: Payment received on your ICICI Bank Credit Card.
Dated: Thu, 11 Oct 17:13:33 0530
Dear Mr. UDAI PRATAP SINGH
We have received your cheque (cheque number 159179) of Rs. 29271 on 08-10 for payment towards your ICICI Bank Credit Card account 5176 XXXX XXXX 1000
Thank you.
Regards,
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Dear Shyam Sunder K
You told me you will revert back to me, but you didn’t and where is my refund order
U.P. Singh
Date 11-10 Time 1907 Hrs.
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I had a talk to Shri ABHIMAN SINGH, Customer Service Manager, ICICI Bank Limited at 19.44 Hrs but he was unable to help me. Now I am writing to you Mr Shawn Lobo to look into this matter immediately for refund of Rs. 13800.00
U.P. Singh Date 11-10 Time 1945Hrs.
[email protected]
TEAM MANAGER
"Customer Care"
&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&We inform you that the amount will adjusted to the purchases made by you. However if you wish to get the refund we request you send us the scanned copy of the savings account which reflects the debit of the cheque amount, after receiving the document we will initiate a request to return the excess amount.
Abhilash Reddy Thu, 11 Oct 21:56:42 0530
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According to our telephonic conversation we requesting you to send the scan copy of the statement of the bank from which the cheque amount is debited initiate a request. Looking forwarded to your co-operation and patience.
Sincerely, Chandrashekar. CH Fri, 12 Oct 11:45:43 0530
We request you to send the scanned copy of the bank statement and paid cheque copy for the cheque of Rs.29, 271.00 for the amount to be refunded to you.
Sincerely, Vasavi S
Fri, 12 Oct 17:23:41 0530
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Now I have to submit the following:
1. ICICI commits mistake, but not ready to acknowledge
2. Despite having all the credit note and proof of Inter bank transfer it asks me for the document. It is a shame on the part of ICICI
3. I am not going to oblige ICICI with any documents as I do not want
4. All the Customer cae cell people are not competent to handle my case and the are not ready to divulge the names of their seniors.
5. I never expected that ICICI behaves in this manner.
6. ICICI charges 24% interest or higher at customer fault. Now it should be ready to pay that much interest in my case as I have ample proof of their fault. The period will be from the date of debit from my account to the date of credit to my account for Rs. 13800.00
7. If any GM of ICICI is seeing my complaint should take up the matter at the earliest. Any person below this designation will not be able to handle my complaint.
Waiting for the credit of Rs. 13800 interest in my account.
Udai Pratap Singh
Dated : 12.10.2007;Time 2300Hr.
We have received the payment of Rs.29, 271.00 and there is an excess amount of Rs.9, 262.17 reflecting in your Credit Card Account. Please send us the scanned copy of bank statement reflecting the debit of Rs.29, 271.00 to process the request for refund of excess amount.
Shyam Sunder K Sat, 13 Oct 08:01:26 0530
So Mr. Shyam Sunder you are a dumb person. You have not understood my entire representation. Am I a begger begging ICICI that you are returning me Rs. 9262.17 which I also Know that. You do not teach me banking rules OK. You have not understood my case so in future do not offer your opinion for GOD sake. ICICI has recruited people like you it appears.
Let this representation be studied by a person not less than a General Manager rank of ICICI Bank.
For him I have to tell that Rs. 13800-9262.17 = Rs 4537.83.00 will be due on 18th of October for which I will get time upto November 10th. So why should I pay Rs. 4537.83 today.
At present Waiting for the credit of Rs. 13800 interest in my account (Interest 24% from the date Rs. 13800 debited from my account due too sheer negligence of their employees and people like person above with whom I had conversation in the past.
U.P. Singh 13.10.2007 Time 10.30 AM
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