ICICI Bank — Card payment made on due date but service charge levied for withdrawal

Address: 6 th main road dandeeswar nagar

Subject: Card payment made on due date but service charge levied for withdrawal
Dear sir,

Ref : 1) Credit card no XXXX XXXX XXXX 8012
2) Your card statement of A/c dt 21.4.16
3 ) Telecon today with phone banking officer on 17.4.17
4) Mail To -customer.[protected]@icicibank.com"
Sent: Sat, Apr 22, 2017 at 4:11 PM

Pl refer our discussion on 17.4.17 with the phone banking officer regarding withdrawal of late payment charges, interest charges and corresponding service charges as I have made card payment before the due date ie, on 6.4.16.

As advised by phone banking officer I have attached the payment acknowledgement printout as a proof that I have made payment on 6.4.16 at 8.21 AM and also a Copy of Savings bank Account Pass book - Oriental BC A/c no [protected] towards proof for debited the amount on 6.4.16 itself from the A/c.

It is very clear that I have made the full card payment before the due date ie, on 6.4.16 morning 8.21 AM itself. but you have treated the payment as 11.4.16 and charged interest for the late payment fees, interest and service charges etc.

Pl note that 8.4.16 is your local holiday because o[censored]gadi and 9.4.16, 10.4.16 are Saturday and Sunday your office had acknowledged the payment date as 11.4.16 and charged exorbitant interest and other levies on a poor customer like me.

Pl note that every payment your bank acknowledges very next day. For example for the month of May 2016, payment I have made on 5.5.16 at 20.45 .11 hrs. Your bank had acknowledged the receipt very next day ie, 6.5.16. If it so only this payment you have acknowledged after 4 days ie, 11.4.16.

Pl note that you have charged interest of Rs 3757/- for Rs28868/- even though paid on time.It is very clear that I have made the full card payment before the due date ie, on 6.4.16 morning 8.21 AM itself. but you have treated the payment as 11.4.16 and charged interest for the late payment fees, interest and service charges etc which a poor salaried Govt servant like me cannot afford to pay.

1) Late Payment Fee - DB 700
2) Service Tax - DB 101.50
3) Interest Charges - DB 2582.64
4) Service Tax - DB 374.48

I request you to cancel these charges. Till now I have not made any late payments for your card bills.

Pl note that I made payment for these charges on the very next bill. Considering the credibility pl consider my request and reverse these charges.

Warm Regards,

T.Lal Jagadheesh,
11A, 6th Main Road,
Dandeeswar Nagar,
Velachery,
Chennai -600042.