Filled the information out on the internet for a credit card. Took $159.95 from my checking account on May 29, 2007 and still have not heard or received anything for my money. Have called several times and get nowhere.

Beware people!

Even as I was least interested in a card, an agent pursued me till he got my icici credit card made. I used the card and was not very familiar about it. My first bill came after a long time by which time my second or third bill should have come. I could not pay the entire amount. Since then the bill kept going north and I guess I have paid more in interest and fines than in actual purchases. I thought, when my expenses through card would reach the limit, further purchases would be declined through card, but no it crossed the limit and they kept charging overlimit charges that I accidentally discovered in my bill one day. I asked the company to stop further transactions through the card and make EMIs for the outstanding amount but they didn't.

To,
Customer Service Dept.,
Mumbai
Attn: Mr. Anirudh Kamani, Head, Customer Service.
Dear Sirs,

RE: Credit Card No : 4477 4605 1641 5017( valid Till 05/09) Statement issued from : RPG Towers , Andheri ,Mumbai – Statement date: 5thof month
Complaint No . SR31727848 ( Ref. communication dtd. 21-7-07 and 1-8-07)

This is bring to your kind notice that in spite of all my cooperation with your Bank officers ( Ms. Rashmi Singh ,Mr. Sanjay Pal and Mr. Rupesh Diwedi ) as well as collecting agents , they are refusing to provide me the feedback on my communication exchanged with your good bank for wrong communication made re. expenses not incurred by the undersigned .Moreover , they are putting unnecessary pressure on the undersigned to make the payment towards my Credit Card statement .Copies of my communication is also forwarded to Mr. Sanjay Pal from your bank through the collecting agent to provide me the feedback on the said issue , which remained with them without any written response . My statement date is 5th of every month - these officer are pressuring me to pay the min amount of Rs. 2500/- before 5th of Sep while I am ready to pay all amount of Rs. 28,122.50 towards the expenses incurred by me at actuals without any further delay .

For your information, this is situation is disturbing my working schedule and your officers will be fully responsible for the consequences .

For More details , you may refer to my communication from your recorded telecom system wherein I have taken the issues about my correspondence given as under and express my intention to pay the due amount immediately :

Communication :dtd. 22-8-07

Quote :
Date : 22-8-07

To,
ICICI Bank ,
Charge Back Dept ,
Fax: 022- 66673928

Dear Sirs,

Re: CrediT Card No . 4477 4605 1641 5017 Valid Till : 05/09
Complaint No . SR31727848 ( Ref. communication dtd. 21-7-07 and 1-8-07)
This has reference to my telecon with Mr. Amit Pal ( on Tel: 28307777 Ext: 5172) and subsequent with one of your Customer Care Executive re. Credit card debited for the amount paid by case in Honduras for Hotel Almeda

Enclosed please find the ,
1. Invoice for the Hotel charges
2. Receipt for the payment made on 6th of June
Kindly acknowledge the receipt of the same .

Your full cooperation in this regard to revert the Credit Card amount debited by Hotel , will be highly appreciated at our end .

Thanks in anticipation ,

With Regards

Sanjay.
Unquote :

Communication dtd. 1-8-07
Quote :
August 1, 2007

To,
ICICI Bank
Charge Back Dept.
Fax : 02266673928

Dear Sirs,

Re:Amount charged for payment to Hotel Sofitel Sentra Grand Bangkok.to Credit Card No : 4477 4605 1641 5017( valid Till 05/09)

This refers to our telecon with Ms. Chimayee from your Thane Call center around 10:45 am sequel to sms received from 919821000005 informing amount charged of Rs.12451.12 on 26th July ’07.

Kindly note payment to the above said hotel against their invoice on account of no.10010216906 (for Mr. Sanjay Yerunkar) and 10010216909 (for Mr. R.K.Somani) was made by cash by the undersigned. If required, details of payment made can be furnished to you.

Having given this background, Ms. Chimayee confirmed to ignore the subject sms received from your end.

This also recalls our communication with regard to our pending complaint no.SR31727848 for amount charged wrongly in statement 6th of july 2007 for payment towards Hotel Alameda.

Hence, you are requested to clarify the matter on priority to avoid unpleasant situation.

Thanks in anticipation.

Regarsd,

Sanjay Yerunkar
Cell: 9821022101
Credit Card No : 4477 4605 1641 5017( valid Till 05/09)
Unquote :

For your information , I have no reason to hold the payment , for expenses which I have spent genuinely through your Credit Card facilities subject to getting written communication feedback sent to them .

It is very much irresponsible way to harass your clients by sending the statement and SMS for the expenses not incurred by them . This is for your information and record .

Your may take note of this for doing the needful to resolve the said matter on priority .
Moreover , the undersigned will not make use your credit card till I hear from you .

Thanks and looking forward to hear from you soon .


With regards,


Sanjay Yerunkar
Cell: 9821022101
c.c. : Mr. N.Vaghul –Chairman
Mr. K.V.Kamat- CMD
Ms. Lalita D.Gupte – Chief Operating Officer
Mr. Jyotin Mehta- Secretary

These is regarding the unnecessary charges forced on my credit card account. I got this credit card in 2003 with expiry date in oct 2005. In the month of June 2004 I made some purchase of amount near 1000. I was not sent the credit card statement for that month but statement with the late payment and finance changes (Rs 200) in the next month. I called up customer care and they assured me that this amount would be reverted in next month's statement. I paid the amount other than extra charges but next month they again added extra charges over the extra charges in previous month. I again called up customer care and they again told me that by next month charges will be reverted back. The same thing kept on going and in october I applied for the cancellation. They sent a letter saying there were some miscommunication from the sales person and they want me to continue with this card. I again called up customer care and they told me to send the original copy of this letter by dropping it in the drop box. When I asked to personally meet and handover the letter in person, they told that its not possible. They always prefer to talk on phone. At the end, I went to the HDFC office in Indiranagar (Bangalore). I talked to a person and he told me that he checked my account and they will definitely revert back the amount. He mentioned that right now he can not do it as this has to be done by some other team but he was 100% sure that this would be done. When I told him to give me written proof, he told me that he can not give any written proof but this will be done surely in 2 to 3 months time. When I asked why it should take 2 to 3 months time, he stated that they were in a process of auditing all the accounts as it was year end. I asked him what about the statements that every month I am getting. He told that not to worry, credit card statements are automatically generated so I will get it, but in 3 months all amounts and extra charges will be reverted. After 3 months when nothing happened, I called up customer care. They told that we can not do anything on this regard. Our database shows that Rs 2000 is pending in your account and you have to pay this amount. I told them that I want to discontinue the card. They told that you have to write a letter and drop it any drop box. I did the same but my card was not canceled. Again when I called them they mentioned that they never received the letter. I went to Indiranagar office again. I talked to the same person. He told me that he checked my account and it shows that all charges will be reverted in next months statement. I told me to give me written proof and as I can not make bank understand about this. He told that he can not give any written proof. Even I went to main branch of HDFC bank in Kasturba Road in Bangalore but they said that we don't take credit card issues here and you will have to call at certain numbers. He mentioned that head office is in chennai so I need to contact there. This was really frustrating. Either of the three ways, I could not get any written letter. Customer care said other thing, the person I personally met told me some other thing. I had no option rather than to believe the person I talked personally. I wrote a letter again and destroyed my card and dropped it drop box. I called up customer care and they again denied to have received the letter. I told them that I have already dropped it and I don't have any proof and they also denied to give any personal contact and office address where I can directly go and handover the card. I told them that I have destroyed by card and please stop sending me the statements. From next month (April 2005) they stopped sending me statements. I took it as the matter has been closed. But this was my mistake. Just a week ago, (July 2007) after 2 years they sent me another letter saying that I have Rs 5000 amount pending. When I talked to the credit card department they talked very rudely. They told me to show written proof if any. I told them written proof was never given to me. Now they are demanding Rs 5000 from me. They blocked my HDFC salary account and my cheque was bounced that I paid towards other bank credit card charges. They deducted Rs 350 for cheque bounce. I talked to a Manager in credit card department but she talked very rudely saying that I have to pay the amount if I fail to show any written proof. I don't know what should I do now. They have almost trapped me. When I asked to give any office address where I can talk to any senior person, she declined straight forward saying that it has to be done through phone only. I just don't know what to do.