Humm.. waht to tell about this bank. you can please go through the following mail can just figure out. But for a brief:
I took a loan against CC which was shown as pre approved. I got the amount two time during 6 days of time. I inform abt the second one to customer care abt no response, fortunately i started communiocating with them in written seeing this bank reputation, and rest you can know in the following mail. Besides this communication, i have spoken to customer care over trhe phone for which i have not provided the any no. Last time i cummunicatted on 22 Dec 2008 on[protected] then 173. this was told by Sec 50 branch saying there your dispute will be sorted out.
I visted this branch on 20 Dec 2008 with CR No CB135. But he seemd helples and send me to collection department who gave me this no.
Dear Account Manager,
I think you have just looked into the matter or taking some action also. Is there any solution to this kind of technical fault. I am sure that you are not facing such complaint for first time. I am not able to understand that i apply for a loan online. Second I got the amount twice. I notify the matter to you. But you people reply, in our accouht this, only one time transfer showing. I still keep you updating about this. But there no action planed or taken. And finally wht i see that Mony is registered to my existing loan ammount and EMI's are started. Now you people ask me to cancle this loan. When i have not applied for this one, why should i raise a request for canclling this. Even then i ask to raise this, i got a call but nothing is happening. Now i am outside of india, Once back, i would like to personally solve this matter. Now i know you cannot do anything than provading me a date again and again. Please let me know the person or branch address where i can go and personally reslove this matter by talking face to face.
-----Reply Separator-------Dear Mr. Kumar,
We have looked into your concerns and found that we will need a few more days to get back to you. Please accept our apologies for the delay.
Our senior officers will be attending to it and will update you on the resolution by November 10, 2008
Sincerely,
V.Saritha
Customer Service Manager
ICICI Bank Limited
-----Original Message-----
From:[protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Tuesday, November 04, 2008 04:26 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Others
Reminder
-----Reply Separator-------Dear Mr. Kumar,
We have escalated your complaint regarding the personal loan to the department concern and we will revert to you by November 04, 2008.
Sincerely,
V.Saritha
Customer Service Manager
ICICI Bank Limited
-----Original Message-----
From:[protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Wednesday, October 29, 2008 04:31 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Others
Dear Account Manager,
This is a gentle reminder that I have not received any update on the following yet.
-----Reply Separator-------Dear Mr. Kumar,
We have forwarded the details to the department concerned for the cancellation of the Personal Loan.
We will revert to you by 27/10/2008.
Safe Banking Tip:
Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.
Sincerely,
MALDAR IQBAL -Emails CC -Hyd
Account Manager
ICICI Bank Limited
ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch.
-----Original Message-----
From:[protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Friday, October 17, 2008 01:53 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Others
Dear Account Manager,
I would like to inform you that in spite of my repetitive notification on a issue of crediting my account twice for a single loan request on credit card Cash in Select offer and your acceptance for the same (See the following mails) and further taking confirmation from me for amount deduction by an executive over the phone, no action has been taken yet.
But, to my surprise, I can see the amount now is reflecting in my CC loan account with more processing fee and service tax for the wrongly credited amount.
Even though this is a clear sign of being careless, I again took the step and informed the matter over the phone to customer care executive on Tuesday, October 07, 2008, and received an assurance of taking action with in 24 hours and also given a request no: SR81918477. But it was 16 October 2008 yesterday but no action again. I called up Executive and explained the issue and received a reply "This must have been done, now I take complaint for this" and when I asked for the Complaint No. he said "you will get it on your mobile phone" but what I got is nothing as usually.
Now I do not know that what to talk with you or how else to inform, as the matter is almost 2 months old but no action as of now. I do not want to file a case but you have left me with no other options.
Providing the account number again which can help in understanding the matter:
Branch Id : 6294 Account Id :[protected]
Loan Account No: PLAT [protected]
Credit Card No: [protected]
Regards,
Sanyog Kumar
-----Reply Separator-------
Dear Mr. Kumar,
We regret our inconvenience caused.
We confirm you that there is only one loan taken for Rs.292500 on credit card which was transferred to your savings account on 11th August, 2008.
However, we request you to confirm whether you wish to cancel the loan taken on credit card as you informed that you received personal loan through online which is not availed on credit card.
Looking forward for your cooperation to serve you better.
Safe Banking Tip:
Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.
Sincerely,
N.Varalakshmi,
Account Manager
ICICI Bank Limited
Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking >Cards> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.
Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com
-----Original Message-----
From:[protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Monday, August 25, 2008 01:02 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Others
Branch Id : 6294 Account Id :[protected]
Dear Officer,
Per your communication, sending my credit card number and account no of loan on credit card :
Loan Account No: PLAT [protected]
Credit Card No: [protected]
For more details, please go through the trail mails or conatact me on my mobile [protected].
Regards,
Sanyog
----- Forwarded by sanyog.kumar/Polaris on 08/25/2008 12:58 PM -----
"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
08/23/2008 06:15 PM
To
"sanyog.[protected]@polaris.co.in" <sanyog.[protected]@polaris.co.in>
cc
Subject
RE:'ICICICARE=[protected]' Complaint : -Pre approved Loan requested once from interner banking butapproved and credited to my account in two different transaction,
Dear Mr. Kumar,
For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com
We regret the inconvenience caused.
We tried to trace your credit card number, but without success.
Please provide your credit card number if your query is pertaining to loan on credit card so that we may reach you and resolve your query.
Looking forward to your co-operation in helping us serve you better.
Safe Banking Tip:
Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.
Sincerely,
Swetha
Customer Service Officer
ICICI Bank Limited
Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking>Cards>View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.
Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com
CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
-----Original Message-----
From: sanyog.[protected]@polaris.co.in (sanyog.[protected]@polaris.co.in)
Date: Friday, August 22, 2008 05:35 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Cc: kumar.[protected]@gmail.com (kumar.[protected]@gmail.com)
Subject: Complaint : -Pre approved Loan requested once from interner banking butapproved and credited to my account in two different transaction,
Dear Officer.
I applied for pre approved loan offer of amount Rs 292500 on 6 Aug 2008 from my online internet banking service, as a result i received the amount in my savings account number[protected] on 6 Aug 2008 itself against the reference number [protected]. On 9 Aug 2008, h i got a call from ICICI that this is a verification call for the application of pre approved loan offer of RS 292500, after finding verification positive, executive assured me that this amount wil be credited to ur account in 2 wprking days. But as i had already received the amount, i brougt the same into his notice.
But to my surprise again i recevied the same amount on 11 aug 2008 in my same savings account. i have spoken to customer care on phone many time but they do nothing but transfer my call from savings account to credit card to cash in select to loan on phone. This race is on for last 3-4 days.
I am fed up and feel help less. no one is trying to understand the exact scenario. I applied once i given two different loan of same amount for same tenour.
Above all i am informing and trying to bring the issue into the matter but i am being redirected from one place to another. i m totally dejected never experenced such a bad exprience with ICICI bank.
I do not want to continune with either of them now. I am in no need to go for bouth and pay an heavy instal ment and extra interest.
So i request you to coordinate with all the concerened department and look into the matter also feel free to contact me at any point of time during the investigation.
Regards,
Sanyog Kumar
[protected]
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The Nodal Officer,
ICICI Bank Limited,
Mumbai
Dear Sir,
Sub: Credit Card No: [protected] – visa card issued in February .2005 valid till February 2013
Sir,
This is with reference to my above credit card, I would like to know the details of payment made by me during these years. We are under the impression, that your prestigious bank can help us in clearing our financial problem and will not commit mistakes in charging.
I would like to inform you that I have been using your services since some years (since 2005) I received a statement and found a charge of Rs 112.02 to my account. This is the fault of your department where I was penalised iIn 2007 May .I have received an insurance policy, which I have refused and Rs 6, 000 returned the policy to your Mumbai Bank. But the insurance amount has been charged to my account and EMI Principal with interest has been charged since then. Though the certificates and other details have been sent to you to your office, I could not get the proper information from your side. I have been regularly paying for these as per your statements up to May 2008. Your can verify from the statement in September 2007 stating EMI interest + insurance principal . When enquired about this, the response was in such a way that this is a computerised message and contact the Mumbai office. It seems that though I am not interested in insurance, I have been penalised for the Insurance Principal with interest. Could you please clarify the same.
I have been contacting your customer care for the over limit charges, In May 2008, I received a message to my mobile No: [protected] stating that I am waived from over limit charge of Rs.. 500/- But till today have been charged the over limit charges of Rs. 500/- If the cheque is paid late, a late fee of Rs. 400 or even 600 is charged. It happened to me also. The customer care is most important, the follow up of your action is very poor from your side. Could you kindly clarify the two charges about the over limit and insurance charges charged to me can be refunded to me and the actual amount over due to your bank. I would like to surrender the credit card. Pl. understand the customers problem, because of acute need we use your services, but if the payment is default for one month, you charge more than the amount as penalty, but for the services, it is on the reverse side. I have paid a sum of Rs. 2000/- for this month also. Unless this is clarified, I am forced to pay penalty for the amount. Please clarify the same immediately. Please take immediate action to clarify the same.
Thank you,
Yours faithfully.
CC: No: : [protected]