I am a central govt employee working in delhi as an Assistant engineer.In the first month of year 2005 ICICI bank employee approched me in my office and offered me ICICI LOMBARD HEALTH POLICY which i accepted and paid the premium of Rs 19354/- for it. After few months later when i recieved policy bond No.(4034/FP/055720/00/000), there was a credit card (4477460753303009) along with it which i never demanded.In policy bond and also on credit card there was mistake in my name it was printed AMAR SING instead of AMAR SINGH.so, i contacted the ICICI bank and reagister my problem. After few days later without my consent and authority ICICI bank sent me another card (4477460753303017) bearing my name AMAR SINGH. both these cards are never ever used by me ,not even single time.I have not opend the enevolope of pin mailer either.After one year bank sent me a card statement and ask for service charge for maintaining the credit card.I ignored that statement because i have already conveyed my message telephonically for blocking my card as i never wanted it.after few weeks later a law firm hired by ICICI bank sent me legal notice for clearing my dues and their fees and warned me that failing which they will register a case against me, so i paid almost Rs.12000/- only because of ICICI bank's wrong and misleading policies.I thought this was the end of my problems but i was wrong.Last year in october 2009 i approched SBI for car loan.i was shocked when they refused my application because of my credit history .later when i present my case to them, they finally approved my loan. After that in november 2009 i contacted ICICI bank and enquire about my case , they responded by saying that they will rectify my account at their end in a month time. In the meantime i sent them many reminder mails regarding my problem.In August 2010 after almost eight months i asked for my CREDIT REPRT from CIBIL(CREDIT INFORMATION BUREAU INDIA LIMITED) it still shows overdue of Rs.13000 towards ICICI bank.It is shoking to see that bank is not only misleading but actually harrassing the common people.even after so many months no initiative is taken to clear my name that is even after remindeing several time.