Hi
I havent applied for any credit cards. I applied for a personal loan
in ICICI. I purposely didnt check the option for credit card(i have
the copy of that too). But i recieved a credit card and with that
the health card of ICICI lombard too. I didnt recieve any statements
for my credit so i called the customer care and asked for the amount
due and i paid it. since i didnt get the statement i didnt check for
the transaction details, but the next time i got a statement(i didnt
do any transaction!) which showed me i have to pay Rs318. i checked
for the reason and found that it was for health card. so i paid the
amount and then cancelled the health card on 31dec, before that i
called the customer care but the usual response was 'system is under
maintenance.please try later.sorry for the inconvenience'. then in
my next statement guess what, i have to pay Rs6281( i havent used
that card at all!!!) i was shocked and called the customer care
again. they told that it was the cancellation charge for the health
card. then after struggling a lot they gave me service request
numbers(that was the third time) to cancel the cancellation charge.
when i called to know the status the same response that i have to
pay the cancellation charge. why the hell i should pay for that card
which i didnt apply at all and i didnt use at all? i am very tired
of calling those customer care people and now frustrated to the
limits. now my due date for the credit card is 11 feb,2008. i dont
know how to proceeed further. its of no use contacting the customer
care people. anyone have faced the similar situation or have any
idea how to proceed further? this is our hard earned money and this
is absolutely not a meagre amount to ignore. i havent used that card
at all. my sincere advice is PLEASE DO NOT HAVE ANY DEALING WITH
ICICI FRAUD BANK.

These Banks have become a real menace and it is time we inform more and more
people through our networks how they are steal public money and conduct their
affairs in most unethical ways.

Stay alert !
Banks and Media have ceased to be reliable friens of civil society.

Ashok

Ashok

First of all, you can submit a written complaint at the ICICI bank website. They
will revert you back within 48 hrs or at the max 10 Business days. If not
satisfied you can again post your problem at the next excalation level. There
are 4 to 5 levels where you can appeal and look for answers for your problems
from the higher authorities.

Still if not satisfied take all the print outs of the correspondence with the
bank and sue them at the consumer court. You are correct, many people like me
and you are innocent who have been trapped by the fraudulent policies of this
bank.

I have faced a fraud for one of my ICICI cards and i am also following this
procedure.

Thanks & Regards,

Dear Sir

1. This is the age of - buyer beware

2. What we read and understand that is not the end of it. What we read and
understand FULLY that matters.
3. Credit card annual charges may be free only for one year, when you get in
habit they charge you double the next year.
4. Banks, Credit card companies, telecom companies do what can be called as
cross selling. It is not crime in eyes of law. THe DSA of these banks are also
work as insurance advisors, etc. Every where in the world they do it.
5. But it is our jurisdiction that we want it or not.


Regards

Originally Posted by Unregistered

Hi
I havent applied for any credit cards. I applied for a personal loan
in ICICI. I purposely didnt check the option for credit card(i have
the copy of that too). But i recieved a credit card and with that
the health card of ICICI lombard too. I didnt recieve any statements
for my credit so i called the customer care and asked for the amount
due and i paid it. since i didnt get the statement i didnt check for
the transaction details, but the next time i got a statement(i didnt
do any transaction!) which showed me i have to pay Rs318. i checked
for the reason and found that it was for health card. so i paid the
amount and then cancelled the health card on 31dec, before that i
called the customer care but the usual response was 'system is under
maintenance.please try later.sorry for the inconvenience'. then in
my next statement guess what, i have to pay Rs6281( i havent used
that card at all!!!) i was shocked and called the customer care
again. they told that it was the cancellation charge for the health
card. then after struggling a lot they gave me service request
numbers(that was the third time) to cancel the cancellation charge.
when i called to know the status the same response that i have to
pay the cancellation charge. why the hell i should pay for that card
which i didnt apply at all and i didnt use at all? i am very tired
of calling those customer care people and now frustrated to the
limits. now my due date for the credit card is 11 feb,2008. i dont
know how to proceeed further. its of no use contacting the customer
care people. anyone have faced the similar situation or have any
idea how to proceed further? this is our hard earned money and this
is absolutely not a meagre amount to ignore. i havent used that card
at all. my sincere advice is PLEASE DO NOT HAVE ANY DEALING WITH
ICICI FRAUD BANK.

HI Dude,

1)I know what u are goin through because i had faced exactly the same problem.
2)When i applied for ICICI credit card,they made me fill a field called NOMINEE,with my
mother's name.
3)After i got the card they told me i had applied for health card and they started
explaining the premium details.
4)I was least interested in that and asked them to cancel it as i did not want any
insurance.
5)I was told that it cannot be cancelled and the documents were already dispatched to
my address(with whose permission???)
6)He told me that it was a different department(Lombard) and asked me to accept the
insurance in their verification call(with voice recordings where a sale is made) and
assured me that once it comes to the credit card dept.,they will cancel it.
7)I did so and recd a message that i had to pay 13500Rs.
8)For 2 months i had tried and they never cancelled it and late payment fees were
incrementing on my credit card.
9)if i cancel i had to pay 50% of the amount.
10)Finally with the help of the head of finance in my office,we approached the bank and
the insurance was cancelled on their request.

I got back my trust in the bank after this,but i will be extremely cautious for any transactions from now on.

I advise you to be very clear when applying for something....be very confident to say NO for something u feel suspicious.

before accepting any offer be careful and whatever is promised please verify from their written records and then accept

Almost all these sales rep are frauds. If you dont sign any form they sign it themselves. They are masters in copying anybody's singature and even the bank does not cross verify with the customer whether they have applied for the card or other services or not. The role of the sales rep is over after submitting the docs to the bank. It is the bank reponsibility after that. I dont understand how can the bank not verify the same with customers if it is a RBI rule. Which cleary means that they care a shit about the RBI rules to make their money. What is the RBI doing for the protection of customers against these frauds.