[Resolved]  ICICIcredit Card — Cheating of the bank without issuing credit cards

My card was lost and it was 10 days and i was not known then one day i got the sms stating that we accept your trancation because it is over the limit. Then i checked the card. It was not their and i booked the complit to icici bank stating that my card was lost and hot list the card my transactions what made for 5800/- wasw in investigation and temperoury credit was given after 20days the final debit of 5800/- has done. Just i want to know on which terms the invistigation had done - with this no charge slips are providing from the bank. As theyare informing that they cant provide the same.

I wanted the coments on this

Hi,

I face similar problem, I have paid my outstanding amount and still they are asking me to pay the outstanding with interest, they have no records of my payment's of credit card, they have moved to CIBIL. They are big time cheats... I m very desperate in finding a solution now.. I donno what to do and how to proceed further. I struggled so much to pay back that outstanding amount. I am jobless now, running a day is being difficult. This is a mental harrassment. I called them many times to get a solution but they are not responding properly, behaving so cheap. I cant live another day without this problem being solved. I donno where to go and approach. We need to fight for our problem to get solved. Someone provide a good resolution for this, how can they just swallow our hard earned money, ICICI is sucking our blood... ICICI is doing MENTAL and FINANCIAL HARRASHMENT and have PUT MY LIFE IN DANGER...

I HAVE TO ADVICE THAT MY PREVIOUS CARD NO [protected] VALID UP TO APRIL 2009 IS EXPIRED.AFTER THAT I HAVE NOT RECEIVED MY NEW CREDIT CARD TILL DATE INSPITE OFF I DO COMPLAIN ON YOUR HELPLINE NO

PLEASE LOOK INTO THIS MATTER AND ARRANGE TO SEND MY NEW CREDIT CARD!!!

I am staying abroad for past 1+ years, I came to know abouth this which I have noticed a sudden deduction
of 9, 257.17 from my icici savings amount on 18/06/2009, which was the only balance at that time.

When I checked I have seen that was deducted for the Credit Card Balance .
Please note I have blocked this credit card in Dec 2007 .

When I called the customer today I have realised that this was because of the supplementary card associated with
this credit card.
As per the customer care the fraud transactions was happened from this supllementary card.
I don't know where this card is right now

Please answer my following queries :-

- Why was the Supplementary card not blocked eventhough the main card was blocked .
- How move legally against this fraud transaction ?
- Do I need to pay any amount now to avoid further interest ?

Dear Tarun,

I hope you are aware about Banking Ombudsman. Please lodge a complaint online to your Banking Ombudsman before you go to court. You might get a faster relief. If this does not work then you can try Consumer Court.

Best of luck, unfortunately they are like that only.

On 12 July 2009, I made a transaction of Rs 22000/- (ref No 74182279194000000023300) with Holiday Home Makers through your credit card. I was told that as per arrangement with ICICI Bank amount will be repayable in 9 installments with due interest thereon. After 01 or 02 days, I got a confirmation call from your Bank informing me that amount of Rs 22000/- would be recovered in 9 equal installments and interest of Rs 2100/- (appx) would be charged thereon. However, to my utter surprise, the entire amount of Rs 22000/- is included for the payment in my credit card statement for the period 13 July 2009 to 12 August 2009. When I contacted to customer care of the Bank, I was told that Bank has discontinued the above facility and as such I am required to pay entire amount at once on due date. Now, question arises here is that when Bank has already extended the facility how and why it was withdrawn abruptly without informing me, causing enormous inconvenience to me and other customers like me. It just seems that Bank is resorting such undesirable practices just to make the regular customers, defaulters and earn hefty interest to increase the profitability, which are fully against the established laws and practice of the Banking.

I would like mention that I am not only holding Credit Card but also availing your following services:-

Demat account with Saving Bank Account
Regular Savings Bank Account with ATM Card
Insurance Holder for two Vehicles
ICICI Prudential Life Insurance (Life Stage Pension with annual premium of Rs 1.00 lakh)

I have also been identified as "Privileged" customer by the Bank. However, such tall claims of the Bank for efficient services remain on the papers only and in reality no such things are experienced. I may now please be informed reasons for resorting such fraudulent practice by the Bank and hope not to repeat such instances in future to continue our relationship. I am also writing to Banking Ombudsman in the matter to make them aware.

(G M Somavanshi)
Mob No [protected] (email - [protected]@yahoo.com)

February 11, 2009


The Manager
ICICI Bank
Credit Card Division
New Delhi.


Sub :- ICICI VISA Credit Card No. [protected]


Dear Sir,


I have been holding above mentioned ICICI Visa credit card number [protected] from the last eight years, and had not been defaulter for even a single payment.


But from the last 3-4 months I was not receiving my outstanding statements which resulted in extra debit charges for non-payments to my out standings. And only outstanding was Rs.400/-, which I came through your customer service dept. when I called them.


And the very next day I paid Rs.500/- to clear all my dues and was also promised by your customer support team that all my reversals will be done after I pay my dues. But till date no reversals are being done and I am told to pay all my extra debits.


So looking at your services / follow ups / harassment to the valuable customer, I have decided to cancel my above mentioned credit card with immediate effect & returning you back my credit card.


Pl. acknowledge and confirm.


Cordially,



(RAKHI KHURANA)




March 17, 2009

The Manager
ICICI Bank
Credit Card Division
New Delhi.


Sub :- Cancellation & Closure of ICICI Visa credit card # [protected]


Dear Sir,


Please refer to my letter dated 11th feb 09 regarding cancellation of my above mentioned ICICI credit card, but still I am receiving e-mails and sms’s for the outstanding payments.

I once again request you to close my credit card and do not send me e-mails and sms’s, as I already had cleared all my outstanding dues.

Pl. acknowledge and confirm.


Cordially,




(RAKHI KHURANA)
















September 2, 2009


The General Manager
ICICI Bank
Credit Card Division
New Delhi.



Sub :- ICICI VISA Credit Card No. [protected]


Dear Sir,


Refer letter dated 11.2.09 for the surrender of my ICICI Visa card number [protected] after payment of all my dues and sent back ICICI card broken in pieces at your office, but still I am receiving sms’s, e-mails and calls from your office for the outstanding payments due which I had already cleared.


I had also spoken to Shivangi many a times at your customer support call centre and she assured me that all the unnecessary outstanding charges will be waived off with immediate effect and I will not receive any sms’s / mails / calls.


I once again request you to please write / waived off all the outstanding expenses and instruct your concerned officials - not to send me the sms’s / mails and calling me at night and at odd hours. As a lady I feel so harassed and also disturbs my family environment.


The Banking Code is a voluntary set of regulations on how to treat customers fairly should be taken into consideration. I need your help and cooperation for the same, otherwise I might have to lodge formal complaint with the consumer court.


Cordially,



(RAKHI KHURANA)

Hi

I haev huge outstanding in couple of credit cards, for the last 6 months i ve been paying min. amount due after due date. So the outstanding is more than what i am supposed to pay. I am planning to avail a loan to settle my dues. I would like to know if i opt to Full and Final settlement to settle my dues, will it affect my credit history.

Thanks

ICICI Credit Card — PAYMENT ISSUSE

Dear sir,
last 03/09/2009 I was deposit my chq. in your ICICI BANK raja wad branch.indore (m.p)
DATE - 03/09/2009
BANK - STATE BANK OF INDIA
AMAOUNT- RS.6095/-
CHQ.NO. -878654
BANK A/C NO.-[protected]
TILL DATE I WAS A MAIL SEND& THOSE MAIL I HAVE SAVE IT. DATE-17/09/2009 YOU ARE NOT DEPOSIT THE CHQ. IN MY A/C.TILL DATE-17/09/09 I HAVE NOT RECIVED ANY MASSG BY YOU OR IN YOUR CALL CENTER ARE NOT GIVEN ME A GOOD REPLAY & SAY PLZ DEPOSIT THE AMOUNT OR I HAVE STOP THE THOSE CHQ. YOU WILL DEPOSIT BY YOU.I HAVE NOT GIVE YOU ANY PANLTY. OR IF YOU ARE NOT REPLAY BY MAIL ([protected]@yahoo.com)SO NEXT 7 DAYS I WILL GO TO CONSUMER COURT.BECOUS I HAVE GIVEN YOUR PAYMENT BUT YOU ARE BALM ME.
AMARDEEP SAGGU

pl ref 2 my earilear complients
there is no replies so for
pl expiedate

I too agree on the discussion.
I would say "Words of Mouth" is the best way to encounter these Rogue Institutions.
I too was duped by ICICI Bank.
As there were Transaction Disputes of Rs. 2000/- to my Credit Card Account (No.-[protected]) which had never been resolved by the Concerned Dept. of ICICI Bank, I had also tried to send the related documents as proof but ICICI bank rejected the same just saying that the dispute period was over and hence the matter remains closed.
Now that of the Disputed Amount of Rs.[protected]/-, I had already paid Rs. 6434/- on 24-April-2009, my ICICI Credit Card Account has not been closed despite my request.
Also they have sent the same to CIBIL. When I again enquired about the same through their Dispute Resolution Branch (ICICI Bank, Sector-8, Rohini, New Delhi), they say they are helpless.
ICICI Bank employees of that Rohini branch also confirmed that ICICI Bank always had the motive of Ruining the credit history of Innocent Customers.
So guys. Keep your "Words of Mouth" weapon option always open. Wherever you come across ICICI' name, just tell them in short "ICICI Bank is itself a BIG CHEATER, FRAUD INSTITUTION".

ICICI is the one of the Biggest cheaters in Banking sector in India ..They had come up with a medical insurance -icici lombard and the marketing was through tele and the executives explains it as very much free for credit card holders ..Infact i was a prey to that, even without my written conscent they had issued the policy and started deducting money from my credit card ..later when questioned cancelled the policy, charging the total amount of 8000 rs to my credit card account and the reason was saying irregular payments ..the emi was deducting thorugh the ecs facility wher i dont have any control, direct debit still accuses me of irregular payments ..where none of the payment was unsuccessful due to insufficient balance.Beware of such cheatings ..even i had complained to Ombudsman but they were not ready to take the case as it happened in 2005, they could take up the cases from 2006

Hi All,

There is a lot of issues with ICICI bank credit card division. These people never take proper entries and unneccessarily send statements after 3 or 4 years after closing the credit card account. They are calling me now after 3 years of closure of my CC account and saying to pay 30000. This is pathetic. Please dont ever have an ICICI credit card. They will torture you to death. WE SHOULD RAISE OUR VOICE AND FILE A SUIT AGAINST THEM.

I agree with Gunaseelan we should raise our voice together and file a Lawsuit. I have fraud transaction on my credit card and these people are not even ready to take my complaint. You call them they keep you waiting for long time and then say their system is not working. You can not find any phone number for any of their manager. Being in service they should publish number where complaints can be raised.

Hi,

I am Divya Mishra, icici credit card is been a blood sucking leech to me from past 2 years, wrong statements, extra charges for no reason, and on top of it the uneducated collection executives...

i am trying to put money and want to close the credit card and no one wants to do that, been to nampally office as asked by one of the executive if i want to close the card, fill ed the application and as told by him i m required to wait for 1 month and after that i can close it, but after one month some other executive reaches me and he says its not possible... and when wanted to understand the solution to it, he started with loose talks... is thats how icici managers work and run show... shameless creatures...

ICICI Credit Card — credit card issues

Dear Sir,

Kindly conform after full & final with icici bank regarding credit card why again start e-mail regarding this i am already very upset for poor response through e-mail corresponding and by e-mailing i feel icici bank staff may transfer some agency for customer care or may be direct deal with new baby child working just time pass Mr Abdual and some staff is 100% worthless i feel they spend time only just like a pic-nick or honeymoon nature and very surprise after long time they again starting e-mailing regarding these all that when creating some late charges and not support by e-mail (only phone banking is applicable to useful) service is very very very poor i say 100% poor as per above my details

why please conform it, it is clear icici intentionally only for harassment and waiting for customer time reply which create more entreating nature


Kindly arrange reply with clarification Total Amount Due 40Rs why reflecting it is new start job for creating late payment and again developing some charges

r u basted yes and no give me reply

No Regards

I give suggest for that type employee which are miss uses our service or achieve eternal targets by this type of attitude i pray to good for only those guy which is consider all case as a same nature and taken very casually good kill his life with unmediated treatment

why i wright this because they are badly entreating me thousand of time
Abhishek Agarwal [protected]

Dear Abhishek,

We're sorry to know how you feel.
We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

For ICICI bank these are more than expected.

They are here just to earn more and more money @ anything.

undersigned have icici credit card no-[protected]. in june 2009 miss minu called ifrom icici settlement department to settle account, minu said to pay full & final amount of rs 1535/- .and i paid that amount in icici credir card account. she told me after payment she will give no objection certificate, but i have not received yet.
again on 17 august 2009 i got a call from settle department miss neha sharma and i told her my ccount has been settled but she told me you have to pay more rs 530/- to settle the account. so i told in june minu has called me to settle account, and i have paid rs 1535/- to settlement amount. but she told some calculation error was there so pay rs 530/-. i refused to pay, but she requested to settle account and she wiil give noc . again i called from mr. rajeev sharma to pay amount .and he promised to release noc . so i paid amount. he gave the reference no for settlement letter APP[protected] COURRIER NO. G[protected] ON 18 aug 2009. he promised courrier will within 03 days. but till i have not received any settlement letter yet. now again i am geting calls from icici settlement department . when i have gave above reference no. for settlement, they said it is not settled. i cheated and harassed by icici settlement department.

I nilesh jha was given a credit card by icici bank ... i have been one of the victim too of the harrasment of icici bank i read all the comments n complaints agains them and i agree too it even i have gone thru the same... they have given my name in cibil after freezing n removing amount of 29, 554 without any intimation...the time it was removed a day prior i had already ask sumbody to come with papers to settle the amount for 15 k but instead they did this, my card number is [protected], i had a limit of 34 k but i just used 29 k n decided to cancel it since i dint wanted to use credit card seeing the intrest rate they were charging if i wanted to cheat i would have used whole amount and wudnot even ask there employe to come n take the cheque for watever amount we decided for final settlement . when i visited there main branch and inform them that i need to talk to the same person they told me the case is nomore in there bucket i requested them tht my mother is not keeping well and to return me the money and take the money in installment where they asked me to write a letter i did the same they stamped n signed it n gave it to me aying they will return half of the money taken from my account i visited their brach often but they dint and instead they kept some balance on mah account n again started sending me statements harassing me... now when i again when to there brach with the letter they told me the letter doesnt mean anything its just the acceptance and if i want to settle pay 13 k when i called the customer sevice they asked me to pay 14 k i still told them take 5 k n let me live in peace but they dint hear anything and were tryint to be bossy... all i have realised is that icici is a big cheater bank i cancelled my savings account with them 2 ... all they want is to recover more money from customers at any cost...please give me a solution to remove my name from cibil since i would like to apply for a car loan do revert back.
Thanking you
Nilesh jha.
CREDIT card number is [protected]. u can reply me on my email id [protected]@hotmail.com