I have the following ICICI bank credit cards -

BIG BAZAAR CARD
PLATINUM CARD

For the month of November 2008, the outstanding amount on my big bazaar credit card was Rs.5, 381.00 and the outstanding amount on my platinum card was Rs.3, 669.81

In this month, however, I made a mistake such that the amount was interchanged in cards, therefore, I paid Rs.5, 381.00 for Platinum card and Rs.3, 669.81 for big bazaar card.

When I noticed the mistake I called up customer service and asked them to credit the amounts to the right card accounts since both the cards I held belong to ICICI. I was told by the CSR that I cannot interchange the amounts. They will get back to me with a solution, but they never did and I assumed the problem was resolved and in the month of December, the amounts Rs.5, 381.00 and Rs.3, 669.81 were credited twice in both my credit accounts due to which my credit showed excess credit.

In the month of January, when I noticed my outstanding payment was zero, I called the customer service again to understand how that was possible since I had made few purchases in January. But, I was told since I had paid extra in the previous month, my expenditure was adjusted against the excess amount. So I did not make any payments in the month of January.

Then, all of a sudden, in my April statments the amounts Rs.5, 381.00 and Rs.3, 669.81 were debited from both the cards to adjust the previous double credit.

Now, the problem is I had called at least 4-5 times and initmated the customer service about the discrepancy but there was no prompt action on the same. I had blocked both my cards in the month of May because my wallet was stolen. So since then I have not made any purchase and cleared all my previous dues, but still have an outstanding amount.

Atfer 3 months of mental harrassment in rectifying the mistake. On June 27, 2009 I called and asked for Jan statements to close the matter once and for all since I was frustrated. I immediately paid an amount of Rs.5, 381 (Platinum card) which they said they have adjusted against my purchases made in Jan 2009. I also asked about the outstanding on the other card and was told there were no purchases on that so the card was clear. But when I visited the website on 10th July 2009, I was shocked to see that I owe ICICI future card Rs.5, 186, 89. I called the customer service and there was the most irritating person online who kept me on hold for as long as 15 mins and refused to transfer the call to a senior manager and kept on talking without listening to my concerns.

I have been a very sincere customer and have a good credit record for the past 3 years or more. When the mistake is from ICICI why am I being penalised? When the customer defaults a payment ICICI charges a heavy fee plus interest charges. I have been subjected to some much confusion and harassment because of the banks mistake. I am raging mad and want proper justice to be done to my case.