Hello (To whom so ever it may concern)
I have several issues with this credit card account of ICICI bank and had tried to settle this account in past (2009-10), but collection executives employed by ICICI Bank took undue advantage and gave me false commitments regarding settlement. They collected payment from me as installments for settlement and kept posting it as my monthly payments without my knowledge. My fault was that I blindly believed ICICI bank executives who were later found following unethical banking practice throughout the country. All my last payments reflecting on my account were the installments paid for settlement, but I was been fooled by the collection agency to achieve their targets. It was recession period, during same period I had settled 4 other credit cards but only ICICI credit card account wasn't settled, merely due to immoral collection executives employed by ICICI bank.
After couple of months collection agencies started calling me for payments. I was under impression that my account was settled and by then my account kept accruing following charges each month:
1) Late fee
2) Service charge for Late fee
3) Overlimit charge
4) Service charge for Overlimit charge
5) Finance charge / Interest
6) Service charge for Finance charge / Interest
Further ICICI collection agents started calling my residence number and started using threatening and abusive language. They discussed my account with my other family members, threatened to harm me and breached bank agreement with the card member in all the possible ways. I even contacted banking ombudsman and wrote mails to ICICI collection department and calls stopped for some time.
Meanwhile I also received a letter for approval of a loan from ICICI bank, which I never applied for. I reported it to ICICI bank and requested details of it but to no avail. I am sure even this was one of the initiatives of bank executive employed by ICICI Bank who had collected my documents during settlement.
Now since past couple of month (after almost 2 years), collection executive employed by ICICI Bank (call’s herself Snehal) started calling me again for the payments. She wanted me to pay 29000/- more to settle the account. Many a times she would use abusive language with me and my family members, she even called me beggar, psycho, cheater, fraud etc on multiple occasions. She even called couple of my neighbor and started harassing them for my details. Later this collection executive even called one of my neighbor’s daughter (Ms Chuddha) working in Pune (Wipro) and threatened her that she would get her into problems if she doesn’t cooperate. With the issues happening in the country (Ms Chuddha) was so scared that she had to take a medical leave and return Mumbai immediately. Further I pacified her father that there is nothing to worry and she can resume work without any fear. One of my neighbor (Mrs. Dalvi) was been harassed so much by repetitive calling on their land line number whole day, that her family had to call a doctor home to treat her for high blood pressure. All these people ICICI collection agents employed by ICICI Bank were calling and harassing were not guarantor on my account nor they had any account or relationship with ICICI bank, then how did ICICI collection executives availed their phone numbers /details and who gave ICICI bank/executive rights to call neighbors for collection of payments. The motive was clear to create problem in the neighborhood so that card holder would get embarrassed and make the payments, which is a cheap way of functioning for a bank. Best part is that all these things were happening on a recorded line.
I have got a signed letters with respective dates from my neighbors regarding the harassment they received from collection executive employed by ICICI Bank and would register a police complaint against her and the bank.
ICICI bank has caused a mental trauma to Me, My family members and my neighbors.
ICICI bank has spoiled my CIBIL records beyond repair.
ICICI bank executives have jeopardized banks reputation and my financial standing.
I have been harassed, humiliated and traumatized by the recovery agents employed by ICICI Bank.
It has caused me great embarrassment in my society and spoiled my reputation.
I received a mail from Collection manager Jatin Shide dated 9th Jan, 2013 and asking me to settle the account on or before 11th Jan, 2013 for 11933/-. When I agree to pay, so that I can put an end to this baloney of ICICI bank credit card account, ICICI collection manager tells me that this is a wrong settlement letter that they have sent me. Now when I am trying to speak with this manager, he doesn’t answer the call nor does he reply my messages.
Now I have lost faith in settling this account and want few questions to be answered:
1. Does ICICI collection executive have right to lie and give false commitments to achieve their monthly targets?
2. Does ICICI bank have authority to abuse and threaten people to collect the money?
3. Does ICICI collection agent have rights to unethically avail card member’s neighbor’s information?
4. Does ICICI collection agent have rights to call card member’s neighbors for collection?
5. Does ICICI collection agent have rights to harass card member’s neighbors and to threaten them?
6. Does ICICI bank often send wrong letters for settlement to the customers?
7. Will my CIBIL records be cleared which has been spoiled because of ICICI lousy executives?
8. Will I get justice and compensated for the trauma I had gone through due to unethical business practice followed by ICICI bank executives?
9. Will I get any written explanation and apology from ICICI bank?
I need an escalation in this case and would like to get a favorable resolution to this issue, falling which I will be forced to take further course of action.
Regards
Sunil Dimble
ICICI Card Account No. 4477466395140006
Contact: +91.9819705736
Email: sunildimble@live.com
