ICICI Bank Complaints & Reviews

In the process of opening a new account, they asked me to submit a latter from company to verify my address and signature & xerox copy of passport. And they asked me to deposit Rs. 10200/ , in case.
They issued me the check book & ATM cum Debit card also. But now after all this they are not activating my account , and also asking to submit more document regarding the address proof.
My objection is that, if they need more documents then why they had received the case amount and issue the check book ant ATM cum Debit card??
I will asked to consumer forum to take an action against them for delaying & cheating in opening of savings account.

I have applied for nhpc IPO 350 Nos. (2 lots) online through icicidirect.com vide demat a/c no.[protected]. I have not allotted any shares of NHPC and the stock has been listed since 1st SEP'09 but till date i have not received or credited the amount which has been debited from my account for this purpose. I have contacted ICICIdirect customer care several times and they told me to contact Karvy computer shares in this regard.

Phone Banking Doesn't Work - I tried for almost half of the day and the IVR has issues.
Whenever I connect to the CustomerCare-Executive they connect me back to the IVR, instead of taking my authentication orally.

Dear Sir

My Name is amir rahman. Two cheques (Nos 784503 & 326892) have been deposited to my account no[protected] Bank ICICI Bank by Provident Fund Organization on 22nd of April 09. Sign on the cheques were not maching so these cheques sent to my old address (while my corresponding address was already updated to them). As i got shifted to Delhi so these cheques were come back to ICICI Bank. when i given a call to them and try to know the status of these cheques they told me that they sent back to Provident Fund Organization address. After so many phone calls and so many mails they atleast told me that these cheques are there in my basic Kanpur ICIC Bank Branch. i again mail/requested them to sent these cheques to my new address. First of all they sent me two new cheque books and when i again talkes to them they said sorry and assured me for sending me those cheques.

They also given me then a courier company name (Solution courier) and docket number but no courier company phone number saying that i will get those cheques with in 08 days. but more than 09 days have passed i still didn't recieved any cheques. when i given a call to that courier company he is not properly responding.

there is a marriage of my sister on 05th of October 09. i am very upset by the behaviour of ICIC Bank.

i think they are making me fool

To

Consumer Court
Pune.India.

Sub: Complaint regarding ICICI Credit Card.

Dear Team,


I have been ICICI Bank credit card since Oct 2005.My credit card no. is [protected]

In first weak of Sep2007 I called up call centre to know why my outstanding was increasing even when I was not using card. At that time I came know was every month on my credit card is getting debited for about Rs 400 for some X Drive.com. According to call centre employees of ICICI Credit Card I have Purchased something online because of which every month my account is getting debited from around one year. So I asked them to refund the complete amount as I have not used it. They gave me long procedure to do and said that after completing that procedure I will be getting amount equivalent to last three transaction of X Drive.com. So I ask them to at least block my card immediately so that in future my credit card should not be debited from X DRIVE.COM. So the call centre person blocked my card. Then I thought instead of going for such a long procedure I would directly pay due amount of my credit card and will stop using ICICI Card in future. So I made payment of complete outstanding amount of Rs3000 on 24th Sep 2007.After that I was not getting any statement from October 2007 as there was no due in my credit card and there was no transaction.

In month of march 2008 again I received credit card statement saying that my due amount was around Rs 2900. I called up call centre in month of April 2008 and made a complaint regarding all this but then made a complaint and said that as I have blocked my credit card then any kind of transactions should not be allowed. And again this time also the transaction of Rs 2900 on 13march 2008 was not done by me so please wave of this amount. But before submitting my complaint the call centre person cut off the phone connection which I was holding for one hour.

After that I called up them three times but every time call centre people will attain my call and before completing my complaint they will disconnect the call. Then as I was pregnant + I was working I could not do follow up on this.

But still my Saving account is getting debited every month for minimum due amount of my credit card for the transaction of X Drive.com on 13th march 2008 of Rs 2900.

I would like ICICI Credit Card department to repay me all such amount which they debit from my account + Rs 500000 for mentally harassing me from last two years.


For your reference I have attached my credit card statement since may 2007 for which also I had done continues follow up from last one month.

Thanks and Regards.
Nital Soni.
[protected]

i-mint is very problamatic and no action taken from ICICI. I am registered user in i-mint
my credit card statement says our points are redeemed I even dont know how many poits do I have in my account. when I try to contact i-mint on phone then the number is out of order their site also does not open.

I am platinum customer of ICICI Bank having all types of credit card gold to platinum, also having Car, Personal & Home loan, ICICI pru life heavy premium Insurances alongwith that I have Salary A/c which is having very good balance through out the year. I am paying my bills in regular fashion, no cheques got bounced every since last five years. Despite of that I have got recovery agents to my home and humuliated me so much in front of all my relatives and neighbours. When I asked the ICICI bank the same I have got following replies

Customer Care: We haven't sent any body, we dont have any recovery agents they are illegal.

after this reply i have handed over guys to local police

Call from ICICI Bank Chennai: We are sorry it was a mistake it was manish kumar to whom we need to catch instead they catched you.

Email from ICICI Bank (through ICICI Online internal Mail system):

-----Reply Separator-------
Dear Mr. Sharma,

We inform that the Physical visit from the collection team was done only when we couldn't establish contact with card holder over the phone and this will be followed to ensure that our credit card holders are aware of their due date for payment on their credit card.

This is done to avoid delayed payments on account of non-receipt of credit card statements, postal delays on delivery of statements. This is also to help you avoid financial charges if the payment does not reflect in your credit card account by the due date.

We sincerely regret for the unpleasant experience in your case. We apologize for the inconvenience.

We are making every effort to ensure that such instances do not recur. Please treat this as an exceptional occurrence.


Sincerely,

B Upendra Kumar
Customer Service Manager
ICICI Bank Limited

See the hike of the guys

It is very shameful & regreted act that icici bank people have done.
they have taken 5,311.35 rupees from my saving account against credit card no.[protected] without any prior information & knowledge, the same act they people have done last year when they have debited 9800/- from my saving account.

The credit card no. [protected] have not being used & also have been returned back to them . but they have calculated some outstanding of rs. 32/-( thirty two only) & against that outstanding they have taken more than 15000/-(fifteen thousand) rupee. this is the way they people are treating to their customer.

So Kindly help me to get my money back.

Dear Sir;

I am hereby loding an official complaint to you, of the very same nature has been addressed to Icici Grievance redressal department, but i donot share much hope with them on attending to the nature of the complaint.

Kindly note this complaint is in regards to my Icici credit card No: [protected], wherein Icici staff from JB Nagar branch has extorted me since the last 6 months on the basis of the following facts:
1) The have given me extortiona and abusive calls to the effect.
2) They have breached my office space by sneding their executives to my Office, past office Interwear Exports, wherein they have abused and extorted the accountant of the office, threatening me on the ground that they will go to my sons school and collect money from me from there.
3) They have sent fake subpoenas and summons to try to intimidate me.
4) In a recent incident they came to my recent Office Melite International, and spoken to Miss Rupa Kanunoga of Melite, and told her I have done fraud on the company's name with Icici bank,.
5) The executive has even mailed my company staff my credit card statements, which is a clear cut breach of client confidentiality.

These and many other modes have been used by Icici bank JB Nagar branch staff to coerce me into making payments. I ask you, is this what Icici bank doing is it legal, or lawful inder the Fair parctice agreement and client confidentiality agreement & banking code of conduct.

I know for fact that in the past icici bank's extortions has reached to the level that people have commited suicide. I wish to make sure in case something happens to me the blame will be on Icici bank for the extortion on my part.

I hereby inform Icici that I am putting Cease and desist and to keep only written communication to me on the email id provided as I want to keep written mandate for all communication and i would like this matter to be investigated and a just and fair reply given to me on the nature of this complaint.

Further on the same if no resolution of satusfactory response is received I will be sending a written complaint to RBI ombudsman to address these issues with icici credit card.

Yours truly,

Suneeta Kalambe

Hi,

I, Naveen Kumar Settykar using ICICI Credit card since 2 years.I have been offered EMI for the transactions i made.But not when i try to convert a transaction into an EMI Customer Care people say EMI is not available.There is no information from ICICI people regarding this.I want to convert the amount into an EMI.Not being informed is like cheating. I dont have amount to pay the full bill now.What shud i do now?

Hi There,

I am pitching into this complaint forum because I am not satisfied with the answers that i have received from ICICI Bank (Accounts Manager), whenever I approached them i am getting the same answers and know answers and they are not allowing me to speak to another level and even when i went to compain using direct compaint form i was asked to write a lot of details which i dont know.

I am been continously approaching the team to answer this query, please assist me in this regard and i am a real frustrated customer of this bank this month.

This bank basically taken back an existing facility without informing its customers, thinking that this facility is available in the bank i made a transaction, after making this i came to know that this facility is no longer available which is really frustrating.

I have attached the conversation emails herewith for your reference, i request you to look into this and provide me an update in terms of justice as early as you can.

Thanks,
Nagesh ([protected])


________________________________________________________________________________...⇄

Dear Mr. Nagesh,


We sincerely regret the inconvenience caused and look forward to your co-operation in the interim.

We do understand your concern. However,we request you understand our limitations in this regard as we will not be able to deviate from the policy which is revised in July,2009.

Currently, Bank is reviewing this service , hence the EMI facility is not offered at present as per the policy.

You may make the payment within three months as you have informed but the interest charge will be levied for the part payment.

The amount outstanding in your credit card account was Rs.11,466.93 according to the October statement.

We have not received the total amount due towards the same. Hence, the interest charge is levied as part payment is received towards your card dues.

According to the card holder manual, interest charges are accrued if you make a payment for minimum amount outstanding or a payment less than total amount outstanding or if no payment is made.

If total amount outstanding is paid before due date of a statement, interest charges will not be levied.

Interest is charged based on the following criteria:

-+ On the transactions in previous statement from the respective transaction date till the statement date

-+ On the total amount outstanding from the statement date till the part payment date

-+ On the remaining amount outstanding balance till the next statement date

-+ On the fresh purchases done thereafter, till the next statement date.

Rate of interest @ 3.40% is applicable for your ICICI Bank Credit Card whenever a part payment is being made and for any Cash Withdrawal.

We are concerned on you being dissatisfied. We hope you understand our limitations in this regard.

You can log into our website www.icicibank.com and register your query in the complaints query and will be able to find the office address of the Nodal officer.

Following are steps for escalation to next level.
log into our website www.icicibank.com
Click on complaints option
Select the option from Good, Fair, Poor,
Lodge a complaint
Select the level of escalation
Looking forward to your co-operation.

Sincerely,

Preeti smita
Customer Service Manager
ICICI Bank Limited


-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Saturday, September 12, 2009 07:02 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

I think you are not understanding the question here, because i am not able to pay my due within the due date i thought i can convert the transaction into emi hence, made a transaction, if you want me to pay my arrears i want a minimum of 3 months time, if not i will quit your service and my look for other banks.

Now that you as a Account Manager not understanding me question i would like to speak to a higher authority.

I would appreciate if i am addressed with my first name not with my last name.

This is being a worst part of ICICI not understanding customer query.

Nagesh


-----Reply Separator-------Dear Mr. Rajappa,

We are deeply concerned with the issues raised by you in your e-mail. We regret for the inconvenience caused to you.

Please clear the total outstanding due as per the statement within the due date, so as to avoid the levy of financial charges.

We request you to understand that we need to follow company policy so as to enable smooth conduct of your credit-card account and thus ensure that you receive all the privileges you are entitled to.

We are concerned on you being dissatisfied. We hope you understand our limitations in this regard.

We tried to contact you on your mobile number [protected] at 5:30 pm & 5:55 pm, however you were not contactable.

Looking forward for your cooperation to help us serve you better.

Sincerely,

Panthati Nagaraj
Account Manager
ICICI Bank Limited

"ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for 390 days, 590 days, 7.25% of interest on fixed deposit for 790 days & 7.75% of interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact any ICICI Bank branch."

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section
of www.icicibank.com.


-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Tuesday, September 08, 2009 12:27 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Hello Boss,

How can you say that my query is been attended, i am not satisfied with your answer to my question on telephone, please ask you Skip level manager to give a call to me i want to speak to them.

Being a manager you have not answered my question and you are very much silent for all my questions.

want to speak to someone (your manager) ASAP.

Nagesh

-----Reply Separator-------
Dear Mr.Rajappa,
On the basis of our telephonic conversation on September 02, 2009. we confirm you that your query regarding EMI has been attended.


Sincerely,

Ravi Kumar
Account Manager
ICICI Bank Limited


"ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for 390 days, 590 days, 7.25% of interest on fixed deposit for 790 days & 7.75% of interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact any ICICI Bank branch."

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section
of www.icicibank.com.

We value your feedback on your experience with our response to this query. Please click the "Feedback" tab and give us your views.



-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Tuesday, September 01, 2009 12:24 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Infuture if you intimate me thats fine but what about the transaction that i have done now thinking the facility is still available.

I think you are not getting my point here, now i am not ready to pay the interest for my transaction.

please read the email that i have sent earlier and reply to me as required.

Nagesh

-----Reply Separator-------Dear Mr. Rajappa,

Thank you for your interest in converting the transaction done on your credit card into Easy Monthly Installment (EMI) mode of repayment.

In a recent review of our policy guidelines, we decided to discontinue the conversion of transaction into EMI temporarily from July, 2009 onwards. Hence we regret to inform you that we will not be able to process your request.

If this facility is reinstated, we will communicate to you through our various channels, at the earliest.

I regret the inconvenience caused. Please continue enjoying the other features and benefits available on your ICICI Bank credit card.

Looking forward to other opportunities to be of service to you,

Sincerely,

Sugandam.N
Account Manager
ICICI Bank Limited

Safe Tip: Remember your passwords and do not tell anyone else, be it your close relative, trusted friend or even your banker.

Instantly generate your credit card PIN on the phone by calling our 24-hour Customer Care.




-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Saturday, August 29, 2009 07:38 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Credit Card

Branch Id : VP Account Id : [protected]
23/08/2009 74332749236923510101079 SANGEETHA Rs. 9,524.00(DR)

Hi There,

I have made the above transaction using my credit card [protected] thinking that I can convert this transaction into EMI as I was using ICICI bank EMI facility from more than a year. When I visited internet banking it was not allowing my to convert my transaction to EMI and when I called up phone banking I came to know that ICICI bank stopped providing EMI facility to its customer.

My questions are:

1. Why is this not informed to customers when an existing facility in the bank is taken back? , if it is informed I would have not done this transaction at all.
2. Why should I pay interest for the transaction when I wanted to convert this transaction to EMI

I am a customer for ICICI bank from more than 2 years and I was very happy with the facilities that ICICI bank provided me and all of a sudden it stopped an existing facility without informing the customers which is really a reputation loss for the bank.

Now I don?t want to pay interest for the transaction and if in case I was made to pay any interest I am thinking to put a case against the bank and I will definitely raise my voice as a customer.

Looking forward for you response.

Your unsatisfied customer,
Nagesh ([protected])

Sir,
I got a call from ICICI Bank lawyer on 12.09.09 at 12.10 PM that I have to pay Rs. 78,000 on my ICICI Bank credit card which was issued from delhi branch to me. But I have never use or applied for any ICICi Bank card in delhi.
Now they have given an ultimatum that by 12.09.09 2.00 PM I have to pay the amount or else i have to come to the court on 14.09.09 at 10:00 AM or else any thing can happen and any action can be taken but they refused to give any ther details and when I am trying to contact the concerned all phones are coming switched off. i am very tensed and cannot decide on what to do. please guide

I Rachendra samal emp id- 80791,I joined with ICICI bank as SRE BBG group dt[protected],
and live from icici bank june 2006.I appled for PF settlement month of February2007,some of points are to be rectified the docs is return back to me month of april 2007,again the documents rectified me and send it back to Mumbai PF office.



So that I could get my settlement easier.

Thanks & Regard
Rachendra Samal
[protected]

Respected Sir,
I was purchased the Suzlon Enersy Qty 700 on the rate of 94.11on the month of Jul 09. Hence, The rate of per share has been automatically incrised to 95.97. This is not understood. Please rectified and clear the doubt immedietly. This is urgent requirement for your valuable coustamer. I shall be grateful to you.

derar sir,

i m manoj kuamr i have cc ac of icici bank and aslo swiping machine of icici bank a customer came to my shop to purchase some itms bill was maid 115000 and he give me a card and said swiped it
i took his id proof and swiped it. now icici bank bloked by money by 45 days payment at that time as a marchant how i would get my money unbloke by the icici bank

pls give me quick revert to me
manoj

[protected]@gmail.com

I HAVE ACCOUNT WITH ICICI BANK FROM 14/01/2008. WHILE AT THE TIME OF ACCOUNT OPENING THEY TOLD ME THAT THE MINIMUM BALANCE SHOULD BE RS. 5000/- AND I HAD KEPT THE SAME AMOUNT TILL DATE.

THEY HAD DEDUCT FROM MY ACCOUNT 843/-ON 20/10/2008 WITH OUT INTIMATING ME FOR NON MAINTANING OF MINIMUM BALANCE, I THOUGHT THERE IS MY MISTAKE. I HAD DEPOSIT SOME AMOUNT TO MAINTAIN RS. 5000/- BALANCE

AGAIN THEY HAD CAHRGES ME RS 827/- ON 20/04/2009 FOR SAME REASON

AGAIN THEY HAD CHARGES ME RS 827/- ON 09/07/2009 FOR SAME REASON

AND TODAY (12/09/2009) THEY HAD INFORMED ME THAT MINIMUM BALANCE SHOULD BE RS.10000/-. THEY HAD NEVER INFORMED ME BEFORE FOR THIS AND ALWAYS DEDUCTED THE AMOUNT FROM MY ACOUNT.

Hi,

This is in Regards to my Card no.[protected] in name of Kapil Lalchandani.I had been member since Jan-2008 and regular customer.i have never defaulted and never delayed my payments towards my Credit Card.

31-August-09 there had been a debit of Rs 20000/- from my card which states as Cash Reversal, i saw the same on 07-Sep-09 where i called ICICI customer care and informed them about the error and they replied that the same charges will be reversed as it is system error.they said that it will 3 days time, i called on 11-Sep-09 again but the charges were not reversed.I have been in continues follow up with different people in ICICI bank but no one is responding in proper manner.

I am a salaried person and for me 20000/- means a lot and ICICI BANK is trying to destory by Creditibilty and my CIBIL history which i have mantained as of now.



Looking for help and a lesson to ICICI BANK.


Regards
Kapil Lalchandani
Contact No [protected]

If you are thinking about to open a account in icici direct then please change your decision because of their Very very very very poor service of them. 3 month back I also applied for the icici direct but every time they reject my application form, which is really very bad. Since 2 month over but the account opening processes is still going on. Through my friend I also find out that they have login problem also, always the login page server...

I GOT EXISTING BANK ACCOUNT[protected] CLOSED AND ITS AMOUNT GOT TRANSFERRED TO NEW ACCOUNT OPENED IN DC CHOWK,ROHINI SECTOR-9.I HAVE ISSUED THE CHEQUE OF OUTSTANDING AMOUNT.
MY NEW ACCOUNT IS[protected] OPENED ON 8TH AUG,09
NEITHER NEW ACCOUNT OPENED/ACTIVATED NOR MY FUND TRANSFERRED
I REQUEST TO NEEDFUL AS
1-TO CLOSE OLD ACCOUNT NO[protected]
2 TO ACTIVATE NEW ACCOUNT NO[protected] TO PENALISE BANK FOR DELAYING

Harassment by the bank and foul charges/ Fraud and cheating:

ICICI BANK Credit Card No. [protected]

was using since 2004, during the month of July my out standing Rs. 54847.53 charges me Rs. 674, I request for reversal charges to customer service executive they replied me u get reversal in next month, on the receipt of statement I come to know charges not reversal, before this is iam payment regularly amount timely as a loyal customer, after that started charges & interest regularly, I recd numbers of calls for payment I requested please reversal charges, than ready to pay.

I want to settle the amount and want a reversal on the unnecessary charges and interest levied on me. On contrary to that I receive stupid calls and I am getting harassed by the agencies hired by the bank. This kind of verbal harassment is really giving me sleepless nights. as I am a normal payer and not a defaulter,. Here I am ready to settle the amount and the bank is not bothered, and just interested to put me in a debt trap and on the contrary put me on the verbal harassment by this goons hired by the bank.

After while during January ‘ 09 from hired agency Mr.Hardik come with me for payment & discuss with Mr. Pranav Chavda ([protected]) agency for settlement on my card, now u pay at least RS.6420.00 same we will deducted from settlement. I requested to Mr.Pranav Chtreavda I ready to settlement on Rs. 54847.53 & pay Rupees up to Rs. 30000/- to Rs. 32000/- . after while two months I requested for settlement letter they replied me u have one small loan amount is running for closing it will take few more time & again Mr.Hardik come for collect min amount, replied u get settlement letter with in 15days now pay Rs. 6500.00, same will deducted from settlement amount. simultaneously I maintain Bank Balance( in your Bank A/c[protected] for clear the payment against settlement, after that many call to Mr.Pranav Chavda replied i revert u soon with settlement letter. They (hired) agency collected Rs.12920.00 against settlement.

What they want is that I pay a min amount and be in their debt trap forever and they keep on enjoying interest from me. I have been a great customer for the bank by giving huge interest in personal loan and credit cards but now I will not entertain any of this. I am canceling my cards and warning the bank not to bother me with unnecessary calls or else I will take legal action.

I was using the card for more than 5 years. As on date still receiving sms & credit card statement from bank after said harassement & cheating with me by agencies, what ever amount carry day by day all the related to cumulative interest & charges by the Bank. Due to this harassement & follow up by agencies people & drama in my office I lost my job also.


Force full deduction from saving account
Suddenly they have withdraw Rs 23214.79 from my account on 19.05.2009 may without my consent it is very surprising from bank of this repute and how can they link my account to my credit card account without my consent even after i was agreed for settlement for the amount they have settled, But needless to say they are still continuing to harass me and telling me to do the min amount payment. Around 3-4 different pal from different agencies call me. I clearly replied who give u permission to deducted.

By this way Bank & hired agency collect from me Rs. 36134.79 (12920 + 23214.79) against settlement till date not recd any settlement letter & countinue receiving statement & SMS about the outstanding on card.

I therefore, request to please intervene and wipe off the fictitious dues raised on me without my consent/authorization and stop the mental agony being given to me, as otherwise I shall have no way except to raise issue before competent court of law/consumer forum, for which ICICI bank Credit Card division

Bhagwanlal Patidar