ICICI Bank — Amount deducted from my credit card without notifying me

ranjani L

from Mumbai, Maharashtra

Address:

Chennai, Tamil Nadu

To,
The head of Credit Cards Department,
ICICI Bank.

R/sir,

This is to state that I am unsatisfied with your Credit Card Service and would like to bring your kind notice, the negligence of your staff towards customer’s care/ complaints, hence request to go through this complaint.

My credit card No.”5176 XXXX XXXX 4002". I had an credit card outstanding balance of Rs.38,879.00 as on 25th November, 2010 and I paid the full amount on the same day. Later I made two transactions and I repaid the full amount for those transactions also and had NIL amount as due till date.

Today while I made a transaction of Rs.1664.00 in a supermarket I came to know that I had an outstanding due of Rs. 2003 .

When I inquired about the customer care they are replying that since I did not call then for the pre closure of EMI amount the amount has been deducted from my credit card.

This is really atrocious that while I have paid the full due amount on my card, I have to pay an extra amount only because I didn't call and inform them. Even if there is any outstanding they could as called me and informed/asked me regarding that as they have done before; other than deducting it from my credit card without my notice.
While converting into EMI the customer care person, who have called me, just informed me that if I want I can pay the full amount and can close the due amount and did not tell that I should call and inform them. Even the customer care persons are not polite while replying.

Even if there is any outstanding due without notifying me how can the bank take it from my credit card?

I will repay the Rs 1664 by the end of December ( for the transaction I made on 24th December, 2010 only ); so TERMINATE my credit card immediately once you receive that payment.

Please treat this message/complaint urgent and final. Oblige. The very immediate reply / response is expected at E-mail address- [protected]@yahoo.co.in

Regretfully,
Ranjani L

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Comments

jagat narain singhal

from New Delhi, Delhi

ICICI — deduction of transaction amount w/o transaction

bank has deducted amount from my a/c in the name of transaction amount without clearing that transaction.

ICICI Bank Customer Care

from Mumbai, Maharashtra

Verified Support

Dear Jagat,

We're sorry to hear about your experience.

Please write to us with your contact details and account number at [protected]@icicibank.com. We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

ICICI Bank Customer Care

from Mumbai, Maharashtra

Verified Support

Hi,

We have made a note of your e-mail address and we'll get back to you at the earliest in order to address your concern.

Regards,
ICICI Bank Customer Service Team.

binith

from Chennai, Tamil Nadu

ICICI Bank — Deduction of amount without notice on customer transaction

The bank has deducted the amount Rs 150 + Rs 15 serv. tx (By Cash :11000 ANW-Chrgs :150 S-Tax :15 CR INR 10,835.00) for the transaction. I have raised a query on this and they said that this is because i have deposited the cash to my a/c in an ICICI bank brach which is other than home branch. And this policy is in effects for last 4-5 years. I have asked the executive to send Bank policy copy which refer the same. This has not done yet.

The strange thing is no other banks are levying any charge to their customer, who is depositing money in to their a/c (whether it is homebranch or outstation branch).

My question is how come a bank can charge to their customers for depositing money to their own a/c (whether it is homebranch or outstation).
I can understand if they are deducting the amount if i drop a outstation/otherbanks cheque to my a/c. and is acceptable. This is not at al acceptable

I need a solution and cash back to my a/c.

Thanks,

Binith
[protected]

ICICI Bank Customer Care

from Mumbai, Maharashtra

Verified Support

Hi,

We regret the problem caused to you. We will look into this issue as early as possible. We have noted your contacts; shall get in touch with you soon.

Regards,
ICICI Bank Customer Service Team.