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Submit Complaint..I am possessng an ICICI Bank Platinum Credit Card No. - 4629 8641 3274 6001, since February,2008. But on July 2008, when I paid the bill by cheque, it was returned and the payment was cancelled though there was sufficient amount in my savings account at that time. And, as I was not informed about the whole incident [I came to know about it only when i got the next bill], so I couldn't pay that bill before the due date. So in the next bill [August 2008, Statement Date - 08/08/2008 ], some taxes, interest charges, cheque return fees and late payment fees were imposed on it.
I paid the principal amount and asked the customer care to revert back those taxes interest charges and late payment fees.
The same thing happened in the month of August also. My cheque was returned and I was not informed at all. Every time I had paid the principal amount and asked the customer care to revert back those taxes, interest charges, cheque return fees and late payment fees. But some taxes and interest charges still continued to be imposed.
They are giving the reason of signature mismatch in the cheque. With the same signature of mine it was accepted for a long time. But suddenly they started to cancel my cheques on the reason of signature mismatch and which was not informed to me so that I could make the payment by the due dates.
And certainly it was not my fault as I was not informed about the return and cancellaton of that cheque I had paid on July and August of 2008. They did not send me the returned cheques also.
If they are not accepting the signature then there might be only security reason......... and they had not accepted the cheque doubting something [ by doubting, i mean to say, they could have thought that someone has done the signature illegally possessing my cheque book]........... and in that case being a banker they should inform the customer about that immediately ---- where now-a-days giving that info is a matter of a second....... still I was not informed.......
They did not even send those returned cheques to me. After requesting that, I got those on November 2009, that too the photcopies of the cheques.
Secondly, I was told by one ICICI bank customer care executive that my Principal Amount of Rs. 180 was due for payment and if I pay that amount only then other taxes and charges will be reverted back. I got the call from some Mr. Aftab on 25th Nov,2009. He called me from the nos. 03366112750 and 03366112450 from Kolkata. After which I paid the amount but I didn't get any confirmation mail. But now they are telling that they are not aware of that call.
When I called them and asked about it, then that customer care told that he was not aware of that matter.
So, now when I got the bill of Nov 2009, I found the amount to be Rs. 4001. I had already cleared the principal amount. Now they are not reverting back all the other charges and settle the matter.
It was also told in the month of October 2009 that during the dispute all the charges and taxes will be reverted back until and unless the dispute is resolved. Now they are denying that fact also.
They have sent a mail saying I have to pay the amount.
This is a malpractice by the ICICI bank as well as their Credit Card department - they are intensionally returning the cheques paid for the bill giving the reason of signature mismatch - without informing the customer - so that they can add some extra amount in the next bill - whereas using the same signature I had paid many bills of ICICI Credit card earlier.
As it might hamper my credit record in CIBIL , so please sir advice me regarding this.
Currently my outstanding amount is Rs 4,402. All the amount is taxes and other charges.
So, the problem lies in -
1. No synchronization among the customer care executives. I had given a call to the customer care after the incident in the month of Aug,2008. I was asked to pay the Principal Amount and the other charges will be reverted back. So I paid Rs. 6997.42 against Rs.7632.22. But they started to impose taxes and all other charges on the remaining amount. Now they are denying the fact. Now the amount is Rs. 4402.
2. I was told by one ICICI bank customer care executive that my Principal Amount of Rs. 180 was due for payment and if I pay that amount only then other taxes and charges will be reverted back. I got the call from some Mr. Aftab on 25th Nov,2009. He called me from the nos. 03366112750 and 03366112450 from Kolkata. After which I paid the amount but I didn't get any confirmation mail. But now they are telling that they are not aware of that call.
3. It was also told in the month of October 2009 that during the dispute all the charges and taxes will be reverted back until and unless the dispute is resolved. Now they are denying that fact also.
Sir, I would request you to look into the matter kindly and please give me your kind advice.I have already paid all the Principal Amounts till date.
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Credit Card Issue 
Originally Posted by Unregistered 
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