ICICI Bank — Loan sanction rejected

Address:Chennai

I hold ICICI account from 2008. I had good and bad times financially.
I have been with Same bank I have got/ availed credit cards. I am been said I am privileged customer!! I have been given with debit card upgraded by the bank side.
However,
I am not eligible for vehicle loans Home Loan Personal Loan... Pay later account still I have credit card and my salary crediting ever month.
I have availed vehicle loan from other bank it is paid back .
I have been given ICICI credit card based on other bank credit cards
I have availed few PL from other banks and been paid on time.

But for ICICI my personal banking I am seen unfit. They cancel saying I can't avail loans even if it is pre approved due to banks internal policy!!!
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ICICI Bank customer support has been notified about the posted complaint.
Verified Support
Aug 16, 2020
ICICI Bank Customer Care's response
Dear Customer,

We regret the inconvenience caused. We request you to email us your concern with your contact details on [protected]@icicibank.com. Please mention the UID (a0y742) in the subject line of your email. Our official will assist you.

Regards,
ICICI Bank Customer Service Team
Aug 21, 2020
Updated by sriramkrishnank
I have replied today I am sorry I did not get the notification and that I saw was lying in the SPAM box I have now altered the rules I hope it is now is delivered to my Inbox.

I could not compose any email from my Accounts under mailing option and I am not aware of the email ID any which ways i contacted the customer care and they provisioned the complete mail ID please check and revert you can feel free to call me on the number I have Provisioned.

PFA Is the Image for the same.

Regards,
--Sriram

Aug 21, 2020
Updated by sriramkrishnank
The mails are getting failed and since the emails are undeliverable to the mentioned support mail ID.
PLEASE CALL me at ###
Aug 24, 2020
Updated by sriramkrishnank
I have updated the requested details and I now received the Reference ID - 000QHaFKUGXD9Y33 also saying that there will be delay in response but how much they need that time isn't mentioned..
I understand we are rising against Pandemic.. but not addressing user's query will also rise a pandemic situation when all users ask the same question!!.
Sep 16, 2020
Updated by sriramkrishnank
Hello Team,

Anyone there? Can you give me one good reason why ICICI has declined my loan when I am been told that My CIBIL Scores were not met.
My Previous ICICI Credit Card is been improper!! I hold an ICICI Credit CRAD For your information why that is not been seen for loan accountability??
There is one Home Loan a SECURED LOAN improper!!! The Bank has issues 13/U towards it but no action is pending from My end they have to write of or auction the property What am I to do?
But My other 4 PL (Non Secured Loans) tracks are good and is left Unseen!!! Is this right?

See I am not justifying myself for Home Loan which the payment failed out. However I am been recognized and there is a deviation offered by other banks where In I have no Banking relation ship with them but with ICICI I have Salary Account and am related with it since 2008 Why should I not been given an opportunity which other banks are giving??
10 years before the defaulting records are seen but the number of them that are been positively handled accounts is more!!

I have also sent replies and follow ups to the customer care but no Response..

Regards,
--Sriram
Complaint comments 

Comments

I have received the message that
"Dear Customer, we are unable to approve your Personal Loan Application number P[protected]. Please call your Relationship Manager xxx--- PI and data involved so have deleted."
The rejection is because of one overdue loan and irregular towards the repayment & NO consideration been given for other 11 loans that is be PAID on a Genuine and in REGULAR basis!!!
Anyone can you help!!...

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