Comments
Mr. Balwinder Saini
B 102, Shree Krishna Complex,
Nr. Govt. Tobewll
Bopal,
Ahmedabad – 380 058.
To,
The Manager,
SBI BANK
Ahmedabad.
Subject: Request for actual amount debited.
Dear Sir,
This is my humble request to you that amount I have consumed from my credit card number [protected] only Rs.260/- at Reliance Fresh, Bopal Ahmedabad.
The problem is, now your bank is charging some extra penalties and amount has became Rs.15, 599.06/-.
They are harassing me like anything. Anywhere when I am sleeping or else I am driving or having lunch-dinner, they call me very frequent in a day .It is really a mental harassment for any of your customers.
I would personally request you to look into the matter as the variance is too far from the actual amount has to be paid. I want to close the credit card by paying actual amount and finish the matter.
Yours Thankful
Mr. Balwinder Saini
B 102, Shree Krishna Complex,
Nr. Govt. Tobewll
Bopal,
Ahmedabad – 380 058.
To,
The Manager,
SBI BANK
Ahmedabad.
Subject: Request for actual amount debited.
Dear Sir,
This is my humble request to you that amount I have consumed from my credit card number [protected] only Rs.260/- at Reliance Fresh, Bopal Ahmedabad.
The problem is, now your bank is charging some extra penalties and amount has became Rs.15, 599.06/-.
They are harassing me like anything. Anywhere when I am sleeping or else I am driving or having lunch-dinner, they call me very frequent in a day .It is really a mental harassment for any of your customers.
I would personally request you to look into the matter as the variance is too far from the actual amount has to be paid. I want to close the credit card by paying actual amount and finish the matter.
Yours Thankful
Mr. Balwinder Saini
icici is a worst bank ever i seen. its a fraud group. there is no words to scold about them its such a worst bank. i do not know why they running the bank i think such to cheat the people.
Dear All,
This is second time ICICI bank had done fraud to me against my credit card and charges the maount which i had never used. below is the trial mail just for ur reference.
As per ur mail, i seen the sept08 statement, which is showing 1188 amt due, but how that amount came, my last outstading amount was rs 4277.80 and i did the payment on 19thsept 08 through Axis chq for rs 4280 means 2 rs extra from the actual due, then how the amt is due, the bank had charged late fees & other charges of rs 1188, what for late fees charge, when i had done the payment before the due date and the bank had keeping charging late fees from sept 08 to july 09 and made the amounts of rs 7621 when i had done all the payment on 19th sept 08,
1.Why the bank had not inform me about the payment in last 10 months??????
2.Why the bank had charged the late fees & other charges ?????
3.Why without my information bank had put lein mark and taken the money rs 7621.
4.Is the method to torture ur customer who is dealing with ur bank from the last 6year.
5.Why the bank had waited 10months to block the credit card and withdraw the money from my account without my notice, ?????
6.Are the bank is waiting to see that when this 1188rs will become 7621rs ???
7. In the last 1 year the bank had approched me with any mode of communication ??.
8.This is the second time the bank had done fraud to me, last time also i had done the filling of petrol at allahabad for rs 1588 (approx), and the bank had charged late fees and other charges and make the amount from rs 1588 to rs 4277.On that time the bank said that we are send u the statement on time but i don't know whether they are sending ??
9. Solve the problem asap and transfer my money to my a/c otherwise i will send the mail to Madam Chanda Kocher and i will take legal action, this time i will not going to tolerate this nonsense from the bank side.
10.Due to lein mark & withdrawl of my money from my A/C my car loan which is also from icici bank was bounced and even My CIBIL is showing DPD in icici credit card and in car loan, WHO IS RESPOSIBLE FOR THIS, the bank had destroyed my credit history.
Thanks,
Deepak Sinha
[protected]
Dear Mr. Sinha,
We request you to refer to the September, 2008 statement sent to you, as per the statement the total due was Rs.1188.00 and we have not received the payment.
We inform that the statements are sent to your communication address as per our records regularly.
As per the clause mentioned in our Welcome Booklet which is sent to the Customer along with the Credit Card, "ICICI 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 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".
Sincerely,
Abhilash Reddy Chada
Customer Service Manager
ICICI Bank Limited
"ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for 390 days, 590 days, 7.25% of interest on fixed deposit for 790 days & 7.75% of interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact any ICICI Bank branch."
Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of www.icicibank.com.
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: deepak sinha ([protected]@rediffmail.com)
Date: Tuesday, December 15, 2009 02:26 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Re: RE: cards
Dear Abhilash,
U mean to say that i had not done the payment of card used in 2008, when i used to fill petrol in sangam allahabad in 2008. Just check it out i has done all the payment through Axis bank cheque, i am having no dues from my side.
I WANT THE ANSWER ??
1.WHY ICICI CREDIT CAR DEPARTMENT HAD NOT SEND ME THE STATEMENT IF SOME DUES ARE THERE FROM 2008 TO JULY 2009?
2.WHY THEY HAD NOT INFORM ME OVER PHONE OR MAIL THE STATEMENT DETAILS ?.
3.WITHOUT MY INFORMATION WHY U HAD DEDUCTED THE MONEY FROM MY A/C?
4.WITHOUT SENDING ANY DETAILS TO ME, U KEEPING CHARGING THE LATE PAYMENT FEES, HOW COME I KNOW ABOUT THE PAYMENT WHENI HAD NO DETAILS.
5.AGAIN I AM ASKING, I DON'T UNDERSTAND OF WHICH PAYMENT U ARE ASKING ME U SEND ME THE CARD DETAILS BUT IT IS NOT CARRYING THE DETAILS OF PURCHASE IT IS JUST THE LATE FEES DETAILS, SEND ME THE DETAILS OF WHICH PAYMENT I HAD NOT PAID, AND WHY U HAD CHARGE THE LATE PAYMENT FEES, IS IT MY FAULT THAT U HAD NOT SEND ME THE STATEMENT, THE PROBLEM IS FROM THE BANK SIDE THEY HAD NOT INFORM ME VIA ANY COMMUNICATION METHOS NOR EMAIL OF STATEMENT, NOR THROUGH COURIER, NOT EVEN ON TELEPHONE.
SEND ME THE ONLY THAT DETAILS WHICH I HAD NOT PAID AS PER UR RECORD.
THANKS,
DEEPAK SINHA
On Mon, 14 Dec 2009 09:58:39 +0530 wrote
>
Dear Mr. Sinha,
We have attached the statements from january, 2008 to July, 2009 for your reference.
We request you to note that you were levied with the financial charges due to the non payment of the dues as per the statement.
According to the September, 2008 statement your total due was Rs.1188.00 and we have not received thepayment due towhich the amount was debited from your savings account.
Sincerely,
Abhilash Reddy Chada
Customer Service Manager
ICICI Bank Limited
"ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for 390 days, 590 days, 7.25% of interest on fixed deposit for 790 days & 7.75% of interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact any ICICI Bank branch."
Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of www.icicibank.com.
>
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: deepak sinha ([protected]@rediffmail.com)
>Date: Thursday, December 10, 2009 01:39 PM
>To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
>Cc: [protected]@rediffmail.com ([protected]@rediffmail.com)
>Subject: SUSPECTEDSPAM:Re: RE: cards
>Dear Abhilash,
>
>I still not understand that ICICIbank credit card is asking for which payment, when i had not used my card after 2008, and u are asking for the july 2009 payment How?.
>
>My card no is [protected] and address is 5/11 spring field colony sector -31 faridabad chech once more in your record.
>
>Even that i not received any statement /mail/ phone from card department regarding the outstanding amount which u mentioned in your statement this is ISt statement i received after 2008.
>
>WHAT IS THIS :
>PAYMENT DUE : .66
>TOTAL DUE : .66
>BILLING AMT : 7621
>
>SEND ME THE ENTIRE DETAILS OF THIS AMOUNT TO MAIL ID
>
>Due to that only i had not paid my Car loam EMi of dec2009, Until and unless this problem will sort out, i will not going to pay my EMI and put this problem to the higher authority, because as i told u earlier also that i had not used my card after 2008 then how u are asking for the payment .GIVE ME THE DETAILS HISTORY OF MY CREDIT CARD
>
>EVEN THAT I HAD NOT RECEIVED ANY STATEMENT / MAIL/ PHONE CALL REGARDING THAT OUTSTANDING HOW CAN SOMEONE WILL GET TO KNOW ABOUT THE PAYMENT WHEN HE HAD NOT USED THE CARD.
>
>HOW CAN U MARK A LEIN MARK TO MY ACCOUNT. AM I DEFAULTER ??
>U CHECHED OUT MY CREDIT HISTORY WITH ICICI BANK U ARE NOT AOUTHORIDED U LOOK INTO MY ACCOUNT WITHOUT MY PERMISSION I AM NOT A DEFAULTER.THE ICICI BANK HAD NOT SENT ME ANY DETAILS REDARDING MY CARDS, DUE TO THAT ALSO MY CAR LOAN EMI WAS BOUNCED, AND IT WILL CONTINUE IN THE SIMILAR MANNER IF THE PROBLEM WILL SORT OUT.
>
>
>THANKS,
>DEEPAK SINHA
>[protected]
>
>
>On Wed, 09 Dec 2009 11:56:37 +0530 wrote
>>
>
>Dear Mr. Sinha,
>
>
>Due to non receipt of payments as per the statement has lead to permanently deactivation of credit card account.
>
>Due to this reason ICICI Bank has an authorization to debit/block your savings account if there is any amount outstanding on your credit card account which is unpaid.
>
>
>We are concerned that despite adequate and sufficient time and opportunity, you have failed to settle the captioned dues, which werepayable on demand as per the credit card agreement
>
>
>
>
>
>Due to this reason ICICI Bank has an authorization to mark lien on your savings account if there is any amount outstanding on your credit card account which is unpaid.
>
>As per the clause mentioned in our Welcome Booklet which is sent to the Customer along with the Credit Card, "ICICI 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 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 have attached the August, 2009 statement for your reference.
>
>
>
>
>Sincerely,
>Abhilash Reddy Chada
>Customer Service Manager
>ICICI Bank Limited
>
>
>"Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking >Cards> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders."
>
>>Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of www.icicibank.com.
>
>Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com
>
>
>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: [protected]@rediffmail.com ([protected]@rediffmail.com)
>>Date: Saturday, December 05, 2009 02:56 PM
>>To: Deposits Proactive Queue ([protected]@icicibank.com)
>>Subject: cards
>
>
>
>
>
>Name: DEEPAK SINHA
>>Product: Savings Account
>>Account No:[protected]
>>Application No:
>>E-mail address: [protected]@rediffmail.com
>>Mobile no: [protected]
>>Telephone no: +91-011-[protected]
>>Details of complaint: Dear All,
>>
>>My name is Deepak Sinha having account in sadar bazaar branch my a/c no is[protected]. It was open in 2003 as a salary a/c. In last 6 years i am very much upset and not satisfied at all with the services of icici bank, I had taken a crdeit card & 2 bike loan but that was completed without bouncing and currently i had taken a car loan in 2005 my loan a/c no LADEL[protected] Emi of rs 5887. I already paid 55-57 EMI without bouncing, but only last month i came to know when i himself given call to ur customer care to know my balance Emi, they told ur last emi was bounce as my A/c is showing 0 balance. How is it possible, because every month i used to deposit cash 6000 in my a/c[protected] only for the EMI cleaance, i already left rs 5000 in my a/c as i came to know that my salary a/c was changed to saving a/c, from 2005 i left rs 5000 in my a/c just to maintain and i keep depositing rs 6000 for monthly EMI. Being ur customer, i like to know where is my 5000rs which i left im my A/c from 2005, and why my emi was bounced without any reason, why not ur employees has inform me, in last 6 years i never any information or any document inspite of several reminder to ur customer care unit.
>>
>>I am not going to pay the balance 3 EMI of my car loan, until & unless my problems get sort out. My creditbility with all the others banks and espically with ICICI bank is always good and want to continue in the similar manner, i[censored] help me.
>>
>>Waiting for ur satisfactory resp
>
This is second time ICICI bank had done fraud to me against my credit card and charges the maount which i had never used. below is the trial mail just for ur reference.
As per ur mail, i seen the sept08 statement, which is showing 1188 amt due, but how that amount came, my last outstading amount was rs 4277.80 and i did the payment on 19thsept 08 through Axis chq for rs 4280 means 2 rs extra from the actual due, then how the amt is due, the bank had charged late fees & other charges of rs 1188, what for late fees charge, when i had done the payment before the due date and the bank had keeping charging late fees from sept 08 to july 09 and made the amounts of rs 7621 when i had done all the payment on 19th sept 08,
1.Why the bank had not inform me about the payment in last 10 months??????
2.Why the bank had charged the late fees & other charges ?????
3.Why without my information bank had put lein mark and taken the money rs 7621.
4.Is the method to torture ur customer who is dealing with ur bank from the last 6year.
5.Why the bank had waited 10months to block the credit card and withdraw the money from my account without my notice, ?????
6.Are the bank is waiting to see that when this 1188rs will become 7621rs ???
7. In the last 1 year the bank had approched me with any mode of communication ??.
8.This is the second time the bank had done fraud to me, last time also i had done the filling of petrol at allahabad for rs 1588 (approx), and the bank had charged late fees and other charges and make the amount from rs 1588 to rs 4277.On that time the bank said that we are send u the statement on time but i don't know whether they are sending ??
9. Solve the problem asap and transfer my money to my a/c otherwise i will send the mail to Madam Chanda Kocher and i will take legal action, this time i will not going to tolerate this nonsense from the bank side.
10.Due to lein mark & withdrawl of my money from my A/C my car loan which is also from icici bank was bounced and even My CIBIL is showing DPD in icici credit card and in car loan, WHO IS RESPOSIBLE FOR THIS, the bank had destroyed my credit history.
Thanks,
Deepak Sinha
[protected]
Dear Mr. Sinha,
We request you to refer to the September, 2008 statement sent to you, as per the statement the total due was Rs.1188.00 and we have not received the payment.
We inform that the statements are sent to your communication address as per our records regularly.
As per the clause mentioned in our Welcome Booklet which is sent to the Customer along with the Credit Card, "ICICI 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 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".
Sincerely,
Abhilash Reddy Chada
Customer Service Manager
ICICI Bank Limited
"ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for 390 days, 590 days, 7.25% of interest on fixed deposit for 790 days & 7.75% of interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact any ICICI Bank branch."
Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of www.icicibank.com.
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: deepak sinha ([protected]@rediffmail.com)
Date: Tuesday, December 15, 2009 02:26 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Re: RE: cards
Dear Abhilash,
U mean to say that i had not done the payment of card used in 2008, when i used to fill petrol in sangam allahabad in 2008. Just check it out i has done all the payment through Axis bank cheque, i am having no dues from my side.
I WANT THE ANSWER ??
1.WHY ICICI CREDIT CAR DEPARTMENT HAD NOT SEND ME THE STATEMENT IF SOME DUES ARE THERE FROM 2008 TO JULY 2009?
2.WHY THEY HAD NOT INFORM ME OVER PHONE OR MAIL THE STATEMENT DETAILS ?.
3.WITHOUT MY INFORMATION WHY U HAD DEDUCTED THE MONEY FROM MY A/C?
4.WITHOUT SENDING ANY DETAILS TO ME, U KEEPING CHARGING THE LATE PAYMENT FEES, HOW COME I KNOW ABOUT THE PAYMENT WHENI HAD NO DETAILS.
5.AGAIN I AM ASKING, I DON'T UNDERSTAND OF WHICH PAYMENT U ARE ASKING ME U SEND ME THE CARD DETAILS BUT IT IS NOT CARRYING THE DETAILS OF PURCHASE IT IS JUST THE LATE FEES DETAILS, SEND ME THE DETAILS OF WHICH PAYMENT I HAD NOT PAID, AND WHY U HAD CHARGE THE LATE PAYMENT FEES, IS IT MY FAULT THAT U HAD NOT SEND ME THE STATEMENT, THE PROBLEM IS FROM THE BANK SIDE THEY HAD NOT INFORM ME VIA ANY COMMUNICATION METHOS NOR EMAIL OF STATEMENT, NOR THROUGH COURIER, NOT EVEN ON TELEPHONE.
SEND ME THE ONLY THAT DETAILS WHICH I HAD NOT PAID AS PER UR RECORD.
THANKS,
DEEPAK SINHA
On Mon, 14 Dec 2009 09:58:39 +0530 wrote
>
Dear Mr. Sinha,
We have attached the statements from january, 2008 to July, 2009 for your reference.
We request you to note that you were levied with the financial charges due to the non payment of the dues as per the statement.
According to the September, 2008 statement your total due was Rs.1188.00 and we have not received thepayment due towhich the amount was debited from your savings account.
Sincerely,
Abhilash Reddy Chada
Customer Service Manager
ICICI Bank Limited
"ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for 390 days, 590 days, 7.25% of interest on fixed deposit for 790 days & 7.75% of interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact any ICICI Bank branch."
Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of www.icicibank.com.
>
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: deepak sinha ([protected]@rediffmail.com)
>Date: Thursday, December 10, 2009 01:39 PM
>To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
>Cc: [protected]@rediffmail.com ([protected]@rediffmail.com)
>Subject: SUSPECTEDSPAM:Re: RE: cards
>Dear Abhilash,
>
>I still not understand that ICICIbank credit card is asking for which payment, when i had not used my card after 2008, and u are asking for the july 2009 payment How?.
>
>My card no is [protected] and address is 5/11 spring field colony sector -31 faridabad chech once more in your record.
>
>Even that i not received any statement /mail/ phone from card department regarding the outstanding amount which u mentioned in your statement this is ISt statement i received after 2008.
>
>WHAT IS THIS :
>PAYMENT DUE : .66
>TOTAL DUE : .66
>BILLING AMT : 7621
>
>SEND ME THE ENTIRE DETAILS OF THIS AMOUNT TO MAIL ID
>
>Due to that only i had not paid my Car loam EMi of dec2009, Until and unless this problem will sort out, i will not going to pay my EMI and put this problem to the higher authority, because as i told u earlier also that i had not used my card after 2008 then how u are asking for the payment .GIVE ME THE DETAILS HISTORY OF MY CREDIT CARD
>
>EVEN THAT I HAD NOT RECEIVED ANY STATEMENT / MAIL/ PHONE CALL REGARDING THAT OUTSTANDING HOW CAN SOMEONE WILL GET TO KNOW ABOUT THE PAYMENT WHEN HE HAD NOT USED THE CARD.
>
>HOW CAN U MARK A LEIN MARK TO MY ACCOUNT. AM I DEFAULTER ??
>U CHECHED OUT MY CREDIT HISTORY WITH ICICI BANK U ARE NOT AOUTHORIDED U LOOK INTO MY ACCOUNT WITHOUT MY PERMISSION I AM NOT A DEFAULTER.THE ICICI BANK HAD NOT SENT ME ANY DETAILS REDARDING MY CARDS, DUE TO THAT ALSO MY CAR LOAN EMI WAS BOUNCED, AND IT WILL CONTINUE IN THE SIMILAR MANNER IF THE PROBLEM WILL SORT OUT.
>
>
>THANKS,
>DEEPAK SINHA
>[protected]
>
>
>On Wed, 09 Dec 2009 11:56:37 +0530 wrote
>>
>
>Dear Mr. Sinha,
>
>
>Due to non receipt of payments as per the statement has lead to permanently deactivation of credit card account.
>
>Due to this reason ICICI Bank has an authorization to debit/block your savings account if there is any amount outstanding on your credit card account which is unpaid.
>
>
>We are concerned that despite adequate and sufficient time and opportunity, you have failed to settle the captioned dues, which werepayable on demand as per the credit card agreement
>
>
>
>
>
>Due to this reason ICICI Bank has an authorization to mark lien on your savings account if there is any amount outstanding on your credit card account which is unpaid.
>
>As per the clause mentioned in our Welcome Booklet which is sent to the Customer along with the Credit Card, "ICICI 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 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 have attached the August, 2009 statement for your reference.
>
>
>
>
>Sincerely,
>Abhilash Reddy Chada
>Customer Service Manager
>ICICI Bank Limited
>
>
>"Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking >Cards> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders."
>
>>Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of www.icicibank.com.
>
>Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com
>
>
>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: [protected]@rediffmail.com ([protected]@rediffmail.com)
>>Date: Saturday, December 05, 2009 02:56 PM
>>To: Deposits Proactive Queue ([protected]@icicibank.com)
>>Subject: cards
>
>
>
>
>
>Name: DEEPAK SINHA
>>Product: Savings Account
>>Account No:[protected]
>>Application No:
>>E-mail address: [protected]@rediffmail.com
>>Mobile no: [protected]
>>Telephone no: +91-011-[protected]
>>Details of complaint: Dear All,
>>
>>My name is Deepak Sinha having account in sadar bazaar branch my a/c no is[protected]. It was open in 2003 as a salary a/c. In last 6 years i am very much upset and not satisfied at all with the services of icici bank, I had taken a crdeit card & 2 bike loan but that was completed without bouncing and currently i had taken a car loan in 2005 my loan a/c no LADEL[protected] Emi of rs 5887. I already paid 55-57 EMI without bouncing, but only last month i came to know when i himself given call to ur customer care to know my balance Emi, they told ur last emi was bounce as my A/c is showing 0 balance. How is it possible, because every month i used to deposit cash 6000 in my a/c[protected] only for the EMI cleaance, i already left rs 5000 in my a/c as i came to know that my salary a/c was changed to saving a/c, from 2005 i left rs 5000 in my a/c just to maintain and i keep depositing rs 6000 for monthly EMI. Being ur customer, i like to know where is my 5000rs which i left im my A/c from 2005, and why my emi was bounced without any reason, why not ur employees has inform me, in last 6 years i never any information or any document inspite of several reminder to ur customer care unit.
>>
>>I am not going to pay the balance 3 EMI of my car loan, until & unless my problems get sort out. My creditbility with all the others banks and espically with ICICI bank is always good and want to continue in the similar manner, i[censored] help me.
>>
>>Waiting for ur satisfactory resp
>
ICICI BANK CREDIT CREDIT — On line fraud
Dear Sir,ICICI Bank Credit Card No.[protected] of Premachandra
(Add on card)
Ref: ICICI Bank.SR[protected] dt.09/12/09 and
.SR[protected] dt.18/12/09
Police Complaint No.473/09 dt. 25/12/09
In the above credit card 3 fraudulant on line transactions as follows have taken
place:
13/11/09 Fvg. M/s. VIA Rs.15992
16/11/09 Fvg.M/s.Arzoo Com Rs. 8490
02/12/09 Fvg M/s.VIA Rs. 5938
( all are flight bookings)
M/s.VIA has provided the full details including the IP No. (while Arzoo is keeping mum despite several requests) and the same has been passed on to the police as well as ICICI Bank. However, bank is taking a totally unhelping stand and is putting the full responsibility on me and is demanding immediate payment of the amounts with late fee and finace charges.Thus the bank is showing utter insesitivity to the victims of such frauds and indirectly protecting the fraudsters or rather encouraging them. Can the forum do justice to me ?
Regards,
Premachandra
Billed for UnauthorizedTransactions
Dear Sir,
With reference to the ICICI Bank Credit Card No.[protected], I've been asked to pay for the following transactions not authorized by me
Date Transaction details Amount
01/09/2009 HOTEL BOMBAY FANCY (H U, MUMBAI 422.00
02/09/2009 LALIT RESTAURANT AND BAR, MUMBAI 1735.00
03/09/2009 BATA INDIA LIMITED, MUMBAI 3047.00
03/09/2009 PRATHAM, MUMBAI 4687.00
03/09/2009 SELECTION CENTRE, MUMBAI 6000.00
03/09/2009 NUTAN COLLECTION, MUMBAI 250.00
The card was reported stolen on 3rd of September and after spending considerable time with the phone banking was finally blocked. I would like to mention here that the above credit card is a photo credit card and also was signed by me at the back.
Instead of trying to penalise the negligent merchants who accepted the photo credit card and not verified for the signature, the bank has told me to pay for the transactions. I've also lodged an FIR and requested the cops to investigate the case, the same shouldn't be difficult given that most of the point of sales are equipped with cameras these days.
I would like to kn ow my liability given the invoices were not signed by me and also the credit card being a photo credit card theis is a gross neglect on the part of the merchant establishment.
Please suggest the appropirate way to get the irresponsible bank and the negligent merchants to pay for the unauthorized transactions which the bank claims should be paid by me.
I'm gettng calls from the credit card department to pay for the above amounts which I dont agree to as they completely discount the negligence of merchants who accepted the card without verifying either photograph & signature. Request you to provide a fair resolution to this case.
Regards,
Rajiv Manocha
Mob. : [protected]
Dear Sir,
With reference to the ICICI Bank Credit Card No.[protected], I've been asked to pay for the following transactions not authorized by me
Date Transaction details Amount
01/09/2009 HOTEL BOMBAY FANCY (H U, MUMBAI 422.00
02/09/2009 LALIT RESTAURANT AND BAR, MUMBAI 1735.00
03/09/2009 BATA INDIA LIMITED, MUMBAI 3047.00
03/09/2009 PRATHAM, MUMBAI 4687.00
03/09/2009 SELECTION CENTRE, MUMBAI 6000.00
03/09/2009 NUTAN COLLECTION, MUMBAI 250.00
The card was reported stolen on 3rd of September and after spending considerable time with the phone banking was finally blocked. I would like to mention here that the above credit card is a photo credit card and also was signed by me at the back.
Instead of trying to penalise the negligent merchants who accepted the photo credit card and not verified for the signature, the bank has told me to pay for the transactions. I've also lodged an FIR and requested the cops to investigate the case, the same shouldn't be difficult given that most of the point of sales are equipped with cameras these days.
I would like to kn ow my liability given the invoices were not signed by me and also the credit card being a photo credit card theis is a gross neglect on the part of the merchant establishment.
Please suggest the appropirate way to get the irresponsible bank and the negligent merchants to pay for the unauthorized transactions which the bank claims should be paid by me.
I'm gettng calls from the credit card department to pay for the above amounts which I dont agree to as they completely discount the negligence of merchants who accepted the card without verifying either photograph & signature. Request you to provide a fair resolution to this case.
Regards,
Rajiv Manocha
Mob. : [protected]
Dear mam
I would like to withdraw your attention that sum Rs.47500- was debited to my saving accounts, for which my dues for my credict cars. When I contact the bank they insure me that totel amount is38000 and i was redy to pay in one slot and lots of time i ask for my statement but bank refuse me i.e. i had made all the payment made of which i had paid all time my instalment due amountis and i talk to call centre and also thru mail. But nothing had happen till date, banks know the amount outstanding is of no purchase dues . But they do not want to go into the details for the same and that there is a dues .and all my amount 47500 is dectect [plz help me mam plz
HIMANSHU SHUKLA
[protected]
I would like to withdraw your attention that sum Rs.47500- was debited to my saving accounts, for which my dues for my credict cars. When I contact the bank they insure me that totel amount is38000 and i was redy to pay in one slot and lots of time i ask for my statement but bank refuse me i.e. i had made all the payment made of which i had paid all time my instalment due amountis and i talk to call centre and also thru mail. But nothing had happen till date, banks know the amount outstanding is of no purchase dues . But they do not want to go into the details for the same and that there is a dues .and all my amount 47500 is dectect [plz help me mam plz
HIMANSHU SHUKLA
[protected]
Dear ICICI Customer Service Team,
You've replied on 15th of January 2010, request you to let me know when will I get a call for the resolution of this.
Regards,
Rajiv Manocha
You've replied on 15th of January 2010, request you to let me know when will I get a call for the resolution of this.
Regards,
Rajiv Manocha
1) I was having salary account with ABN amro bank and now since more than two years i am not using the account because two years back i felt the company, it is was my salary account. now i want to close it they are asking charges for it. They have converted my salary account without my knowledge to savings acount. I am not going to pay any charges cuz this is ridicules as i have not operated the account and i phone them and asked to close it they are asking charges, what will happen if i not pay charges also i have heard that RBI has made rule if savings account is not operated for three years then the savings account get close. Tell me about this is this right it get closes after 3 years.
ICICI Bank Credit Card — CARD NOT RECEIVED BUT ICICI BANK CLAIM FOR OVERDUE
Myself Jignesh Patel is recently recieve phone from Advocate from ICICI Bank Credit Card- advocate Mr. S P Jain & Mr. Nigam about I have due of ICICI Credit Card that is arround Rs.4500/-which I need to pay on immidiate otherwise My property upto Rs.100000/- will be block by them and for the same I am also recieved phone call from Delhi Police as complain is logged at Delhi. (Complain # NBW11001/2009)Actualy I have applied that credit card log back before three years but I did not received any card from ICICI infact my address which I gave was also change long back so, If there are any communication sent by them also not receive not they said My card issuance fees which was Rs.100/- has not paid and same charged interest & penalty so, the amount become Rs.4500 approx.
Please help me on as I am receiveing their phone which feel me harresment. I am not ready to pay my due amount as I did not received any card.
Please help me and guide me.
Card number which issued in the name of mine # [protected]
Phone number of Advocate # [protected]
MY CELL NUMBER #[protected]
Myself Jignesh Patel is recently recieve phone from Advocate from ICICI Bank Credit Card- advocate Mr. S P Jain & Mr. Nigam about I have due of ICICI Credit Card that is arround Rs.4500/-which I need to pay on immidiate otherwise My property upto Rs.100000/- will be block by them and for the same I am also recieved phone call from Delhi Police as complain is logged at Delhi. (Complain # NBW11001/2009)
Actualy I have applied that credit card log back before three years but I did not received any card from ICICI infact my address which I gave was also change long back so, If there are any communication sent by them also not receive not they said My card issuance fees which was Rs.100/- has not paid and same charged interest & penalty so, the amount become Rs.4500 approx.
Please help me on as I am receiveing their phone which feel me harresment. I am not ready to pay my due amount as I did not received any card.
Please help me and guide me.
Card number which issued in the name of mine # [protected]
Phone number of Advocate # [protected]
Actualy I have applied that credit card log back before three years but I did not received any card from ICICI infact my address which I gave was also change long back so, If there are any communication sent by them also not receive not they said My card issuance fees which was Rs.100/- has not paid and same charged interest & penalty so, the amount become Rs.4500 approx.
Please help me on as I am receiveing their phone which feel me harresment. I am not ready to pay my due amount as I did not received any card.
Please help me and guide me.
Card number which issued in the name of mine # [protected]
Phone number of Advocate # [protected]
ICICI Bank Credit Card — money deducted from my account by credit card div.
Hello,I have a Complaint against the Credit card department. In 2008 i was a regular customer of ICICI bank and used the above mentioned credit card on regular basis. The statement never used to reach me because of which i had defaulted on the payment a few times but i always paid them. i contacted the customer care team and they used to say pay the actually dues and bank will take off the late payment charges, which actually never happened. the late payment charges had mounted to approx 8000/- at the last time and bank again agreed to wave that off and i pay the rest. I paid and left the country, on my return i find almost 12000/- vanished from my account which i don't remember that i had ever authorised credit card division and my statement showing that i still have payment pending of 8000/-.
Now the ICICI credit card people are threating me that if i don't pay, they will deduct the rest from my account as well. when i asked for details of how they deducted the amount from my account, when i had not authorised them, they declined and didn't revert.
This is my last ditched attempt to get justice from the bank, before i file a case against the bank in court.
i hope you will look into matter and revert with details and refund my amount.
regards,
sandeep Koul
ICICI Credit Card — Auto debited the credit card amount without my knowledge
For a credit card transaction that I have not made, ICICI has auto debited the amount without my knowledge from my ICICI saving account. First of all they have not been able to prove that I have made the transaction, secondly they tortured me by making the collection agencies call me day and night and lastly, these soundrels have now auto-debited my money 27,000 without my knowledge.This is the most unethical thing that a bank can do. I do not know how long ICICI will survive by swindling money from peope like me. Is this how ICICI bank survives?
Thanks ICICI team. My money is returned back, Thanks to Sheetal who consistently followed this and kept me updated at all times. Thanks again.
Regards,
Dinkar
Regards,
Dinkar
To
Customer care Manager
Pune,
This is in the reference of the full settlement of dues on ICICI bank ltd credit card account no. [protected].
As per settlement letter issued to me with ref no : APP[protected], I was liable to pay Rs 37500 as a settlement amount from which i have paid Rs. 30000 in cash on 5 december against receipt no. 0031364 and need to be paid Rs 7500 as 2nd instalment on 31 december which is clearly mentioned on the letter.
But on 31 december bank automatically debited Rs 21000 from my salary account without giving me opportunity to pay my dues and when i reached your bhandarkar road branch office to deposit remaining amount of Rs 7500 on due date Mr Narendre thakur a area debt manager collections didn’t accept the cash and inform me that there is some problem with system and you are unable to give receipt and assure me that by evening you will send some executive at my home address but since that day i haven’t received any call or person from there side neither do you receive my call.
Even when i approach them many time he mention that there is some problem and he will check that why executive had not the amount yet and you will get back to me and let me know when their executive will to collect the money.
After a long wait i have got luck to talk to him in this regard but story remain same that i will have to pay Rs. 8000/- instead of Rs. 7500/- due to delay in payment. I am not able to understand my fault in full scene. Excess amount has been debited and not solved the issue then i was there with cash on other day that also hasn’t worked out. If it is mistake from bank side then why the poor customers bear the extra cost.
I am willing to pay Rs 7500 which is balance due to my account but i am not at all liable to pay anything more than that.
Even their executives didn’t behave properly when they came at my place, and its my complaint that none of your bank’s employee have right to misbehave with me when i am ready to pay the amount.
Today you mention that i should pay my due on 31 december by 10 am which is also nowhere mentioned that this is the deadline for any payment made on normal working day and as per my knowledge any date specific meant for End of the day.
I appreciate and anticipate your prompt reply in this regard and please let me know also that who is the other concern person to solve this issue and close this chapter as soon as possible.
Regards,
Arpan Bhatt
Pune
Customer care Manager
Pune,
This is in the reference of the full settlement of dues on ICICI bank ltd credit card account no. [protected].
As per settlement letter issued to me with ref no : APP[protected], I was liable to pay Rs 37500 as a settlement amount from which i have paid Rs. 30000 in cash on 5 december against receipt no. 0031364 and need to be paid Rs 7500 as 2nd instalment on 31 december which is clearly mentioned on the letter.
But on 31 december bank automatically debited Rs 21000 from my salary account without giving me opportunity to pay my dues and when i reached your bhandarkar road branch office to deposit remaining amount of Rs 7500 on due date Mr Narendre thakur a area debt manager collections didn’t accept the cash and inform me that there is some problem with system and you are unable to give receipt and assure me that by evening you will send some executive at my home address but since that day i haven’t received any call or person from there side neither do you receive my call.
Even when i approach them many time he mention that there is some problem and he will check that why executive had not the amount yet and you will get back to me and let me know when their executive will to collect the money.
After a long wait i have got luck to talk to him in this regard but story remain same that i will have to pay Rs. 8000/- instead of Rs. 7500/- due to delay in payment. I am not able to understand my fault in full scene. Excess amount has been debited and not solved the issue then i was there with cash on other day that also hasn’t worked out. If it is mistake from bank side then why the poor customers bear the extra cost.
I am willing to pay Rs 7500 which is balance due to my account but i am not at all liable to pay anything more than that.
Even their executives didn’t behave properly when they came at my place, and its my complaint that none of your bank’s employee have right to misbehave with me when i am ready to pay the amount.
Today you mention that i should pay my due on 31 december by 10 am which is also nowhere mentioned that this is the deadline for any payment made on normal working day and as per my knowledge any date specific meant for End of the day.
I appreciate and anticipate your prompt reply in this regard and please let me know also that who is the other concern person to solve this issue and close this chapter as soon as possible.
Regards,
Arpan Bhatt
Pune
ICICI Bank Credit Card — Amount paid but still showing in CIBIL
Hello,Would like to bring to your notice that i had a credit card for icici bank in the year 2004 which i paid in full as per the information and the amount given by this bank however they have not removed my name from CIBIL which is causing me problems to apply for an education loan. for your reference would want to also tell you that the bank had sent his agent to collect the full and final amount from us and promised that the closure letter would be sent but we never received any letter and now after looking at the CIBIL report i was surprised to see the amount still due in my name.
Would be grateful if you look into the matter and guide us because this is absolute unethical and i should not be penalised even after making the payment as said by the bank
ICICI Bank Credit Card — Fraud Credit Card statement from ICICI
My ICICI Bank Credit Card statement shows a purchase which I had not made since Nov' 2007. It just showed the amount but never show where exactly the transaction happened. I informed the Customer Care about it, all the time they informed that they would send the detail statement but never sent it with the information (details of the transaction) which I had been seeking.ICICI Bank has been issuing the statement with incomplete information to my email account since. Also, they have called me a number of time asking me to settle the bill to which I replied that I shall not pay until they send to me the transaction details. They kept adding the defaulter charges since. The original fraud amount billed on me was Rs 3700/- which increased because of the late fees to Rs 7400/-.
Only in the end of Oct 2009 they revealed the transaction details, which I had not made and there was no way it could be checked with the other party since 2 years had elapsed. At last they have deducted the amount of Rs 7400/- from my ICICI saving bank account without my permission.
Since that incident I have lost trust from the ICICI bank and the Bank system in general.
Through your forum I would like to raise my voice to the concerned people and would like to get my saving's money back with due interest.
I hope you would be able to guide me to check this fraud and reinforce my lost belief on the bank system.
Regards,
Rama Sharma
hi,
i have been using Icici credit card last more 6 years. but, last 6 months i have
some late fees and interest problem in my credit card. i disagree in that problem & it
will going spoil my name in your concern. so till the date i paid all your payments
properly as a genuine. so consider my application and give my satisfactions solution
to me OR call me to my mobile mumber (+91 [protected]) as soon as possible.
your's friendly
S.Sridhar
i have been using Icici credit card last more 6 years. but, last 6 months i have
some late fees and interest problem in my credit card. i disagree in that problem & it
will going spoil my name in your concern. so till the date i paid all your payments
properly as a genuine. so consider my application and give my satisfactions solution
to me OR call me to my mobile mumber (+91 [protected]) as soon as possible.
your's friendly
S.Sridhar
ICICI Bank Credit Card — Never use credit card but payment due and name transfer to CIBIL
Dear Sir,ICICI Bank has provided me with ICICI Bank Home Card valid.The card was sent to me without any application from my side and even without any prior communication or consent from my side.
The above card was never used by me.
In August 2007 I was given a threat on the telephone call to deposit the ICICI credit card due amount immediately. The person calling me claimed to be speaking from Tees Hazari Adalat, Delhi. I was informed telephonically that I have an outstanding of Rs.13,180 on my Card.
I have tried to get the detailed information regarding the so-called due on me telephonically from ICICI Bank customer care centre, and even by personally verify the Banks Jaipur Branch (Upasana Tower, C-Scheme), but could not get any satisfactory answer. Even the so-called due details are never furnished to me, despite of my asking for I again and again.
Recently I have come to know that my name has been put on CIBIL as a defaulter. In this reference I applied for Takeover my home lone from IDBI Bank, but they refuse my case due to I am shown as defalter in CIBIL.
My Kind request that please take necessary action in this matter.
thanks
R K Gupta
ICICI Bank Credit Card — Flash communication for EMI
DEAR SIR,I would like to inform you as a ICICI valid customer that I have card which outstanding is 52000.00 ...in the mean your authorized collection agent(PACE) call from Kolkata that I have lucky to get a offer after paying min. due amount on Feb'10 then i will be eligible for EMI program. Which ICICI bank offer reduce interest rate 40% to 17% but till the offer is not given to me inspite of several mail communication to customer care(Abhilash Reddy Chada)Customer Service Manager,ICICI Bank Limited. If so , I will do never banking with ICICI bank in future for these short of mis-communication from a prestigious bank.I am looking for your justify on my issue & kindly provide this benefit asap.
SEVERAL COMMUNICATION SEND TO ICICI BANK BUT THEY ARE LEES BOTHER ABOUT MY COMPLAIN.
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+91 22 2653 1414
ICICI Bank Towers, Bandra-Kurla Complex, Mumbai, Maharashtra, India - 400051
B 102, Shree Krishna Complex,
Nr. Govt. Tobewll
Bopal,
Ahmedabad – 380 058.
To,
The Manager,
ICICI BANK LTD
Ahmedabad.
Subject: Request for actual amount debited.
Dear Sir,
This is my humble request to you that amount I have consumed from my credit card number [protected].
The problem is, now your bank had started charging some extra amount and intimated me regarding the extra charges when the amount should have been Rs 1400/- only and now the amount has been made Rs.21, 940.38/-.
They are harassing me like anything. Anywhere when I am sleeping or else I am driving or having lunch-dinner, they call me very frequently in a day. It is really a mental harassment for any of your customers.
I would personally request you to look into the matter as the variance is too far from the actual amount that has to be paid. I want to close the credit card by paying actual amount and finish the matter.
Yours Thankful
Ms. Sushma Saini