Dear Sir/Madam, This is to inform your that, I have a saving account with ICICI Bank A/c No. [protected] and also received credit card on my own assets not ICICI Bank base. This is a complaint against ICICI Bank Credit Card Department who has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication before taking this action. Due to this I cannot use my bank account at all, and now a days the bank account is play a big role in our daily life like digital India. When I inquired about this to ICICI Bank department they talked very very very polietly and said that they have received request from ICICI Credit card department so they do it their own like an authorise. Now I just come to know that credit card department can also operate my account as an authorised to do whatever they want on our savings bank ... Thats great ... now my bank account showing (-12140) Scenario... I have got some financial problem for last 2 month so i cannot made any payment so I request ICICI bank through calling and they accepted the same ... i also agree to pay the due on 24 july of this month. Then they sent one person to my home to collect the payment on nearly dated 9 then the person request me to pay the amount that time i told with the communication with their senior that i will clear the due at this 24 July and thats ok... then the person give me one solution that you give me a cheque and we will deposit in bank at 24 so i agreed and handover the cheque. but within 2 days the cheque presented on my bank and got bounced. Then i try to call him but not in range. After fund arrangement on dated 24th july I made payment to ICICI bank through my SBI credit card, that is bank to bank card payment transfer with reference no.[protected] Dated 24.07.2017 and got relaxed. Yesterday 27th july when i try to make payment through my bank account they got unclear and when i called costumer care they told me we have lock and debit all credit card dues in your bank account then i ask them sir we have already made payment on dated 24th and i need this bank money very urgent but they replayed that we have got request from ICICI bank credit card department so we do the needful. Then I try to give the reference detail of payment but they told that we cannot take that reference and we just want our money then only we will clear your account ... it’s like a blackmailing, I never told that i will not pay the amount, every time i request them to give me some time and i agreed to pay the amount on dated 24th and i did the needful. Now I have some question to be clear... General Questions : 1. Any small small useless offers the bank continually calling us and irritate us at any time as per there time frame and our bank account getting un-operating and block that time no communication at all... they do mess with our account only with the communication of their internal team, Is this some kind of joke? 2. What is terms and condition between ICICI Bank and ICICI credit card department? and what basis they have taking that kind of decisions without intimating the account authorised person? then what is the right of account authorised person about the secure bank account? 3. If The ICICI group of companies has permission or right to operate all account like ICICI Credit card, ICICI Bank, ICICI Life Insurance, ICICI Mutual funds then why we have not right to operate our relatives bank account like father, mother, sister, brother and friend which our internal agreed terms? we have not made any agreement with ICICI group, it’s Me and ICICI bank, it’s Me and ICICI other product ... Can you try to open ICICI group companys account with one person with one time documents? then time of liability why all group come together and try to mess with our accounts like a authorised. 4. ICICI bank credit card department, when time to request for a credit card why you ask about other proof if there is ICICI bank account or your group company account with us, any way you all are operating the same without our permission? 5. in what basis you are giving the credit card? and why? 6. as per the terms ICICI credit card department, they can transfer card amount to our bank account then when we sending request to transfer my credit card full balance to my bank account, then what is the credit card department answer? Personal Question... 1. Give me the list of authorised of my personal bank account in any condition? 2. Why ICICI bank credit card department and ICICI bank cannot communicated with me at the time of transfer card dues to bank account as I am authorised person of both accounts? What is the rule meaning that you cannot communicate while this kind of transactions ... this is a hidden transaction for me... there is no transparency ? that time I have already requested to SBI credit card department to transfer Rs.10000/- to ICICI bank credit card department so I could have provide the reference detail of that transaction. 3. What is calculation of amount to transfer due? Is this based on Minimum amount due, total due amount or total outstanding amount or any other your own calculation? Require this detail with your rules and condition so in future we can follow the same? 4. I have already transfer Rs.10000/- from my SBI Credit card to this ICICI Credit card account? Now what is next step when the amount credit to ICICI bank credit card account ? There is some confusion please clear... will you reverse that amount which you illegally debit my ICICI bank account ? or only 10000 you are going to transfer? Or any other way you try to handle my bank account as you are an authorised and you can do whatever your rule... we request you to Please be clear with costumer. Looking forward to an early and favorable action from your side. Thanks & Regards, Kiran Patil #[protected]