ICICI Bank Complaints & Reviews

two days before when i had had cash with drawal from an icici bank atm of rs.1,000/-
i got a thousand rupees note which has a serial number of 7d1 842010 which was actually a not to accept note by the bank .then i went to the bank for assistance none of them responded properly but had a stupid advice to exchange at a wine shoppe.one of them said that it is not the fault of the bank but the contractor who loads the cash in to the atms in the city . but the ultimate sufferer is me who has note of thousand and is no worth more than a waste paper.please help me and take neccesary actioon against the bank please.i[censored] need my presence there i will be there my contavt number is [protected].sai thirupathi reddy (abhi).

kindly respond

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discrepancy in cash withdrawal from the ATM
Thursday, 31 December, 2009 5:11 PM
From:
"jitu kumar" <[protected]@yahoo.co.in>
Add sender to Contacts
To:
[protected]@icicibank.com
Respected sir,

i am pradeep kumar yadav having ac no.[protected] in your bank.
i had complaint about my problem many times but your employees are just fooling me by extending the time of inquiry.ma acount balance has been deducted by Rs.10,020 on the 16th of october 2009.i made that transaction in the ATM of bank of baroda(firozabad) but there was no cash due to some error or something, i waited for nearly half an hour but nothin came out. After that i took out cash from other ATM ( syndicate bank,firozabad) and the balance should 10020 were already deducted.I reported my problem as early as possible but whenever i went to your officials they just extended the time.This is my complaint no.[protected] dated 20/11/09. i even gave hand written aplication to the bank but still now there is no response.
And now they told me to mail my problem.Sir please take some action regarding this as early as possible. 10020 is not any small amount so please get me my money back.please it is my humble request that you take the neccesary steps and i hope i will get my money soon.




yours faithfully,
a/c no.[protected]
Pradeep kumar yadav,
Vijay banlge store,
moholla chauwan,
firozabad 283203.
mobile no: [protected]

Sub : Harassment and Cheap Behavior of Executives.
Ref : C.C. No. [protected]

Dear Sir,
I am an HNI Customer with your bank and using the Credit Card facility of Icici Bank with a credit limit of Rs. 1,55,000 /-

1.) Firstly, with reference to your Bill Statement Dtd. 27.06.2009 for Rs. 4,499 /-, Cheque No. 980946 dtd. 15.07.2009 drawn on Icici Bank Ltd, G.K. – 2 Branch was dropped at the G.K. – 2 Drop box on 15.07.2009. To our surprise, the cheque was never presented and we have no clue as to where the cheque is cause apparently the bank misplaced the cheque.


2.) Secondly, around 12.07.2009 to my surprise, I was traveling out of India and all of a sudden , I receive a message that my card has been blocked for non payment of dues even when my credit limit is Rs. 1,55,000 and only Rs. 4,500 /- was due.


3.) On my return, I received calls at 7 o clock in the morning, that too on a Sunday from your collection agency called M/s SERCO (Rohini, Delhi) threatening me to pay the amount. Upon asking their names, they banged the phone down and when I called back, I was told different different names like Ram, Rajdeep, Rohit (Tel : [protected] / 30513430 / 30513400 / 30512300 / [protected])


4.) To top it all, when their executive came to collect the cheque, he didn’t even have a proper ID card and carried an ID Card without photograph under the name of Mr. Ramesh Chandra Whereas his actual ID card was for HDFC Bank and his real name was Mr. Durgesh Kumar Yadav (Copy Attached)


5.) When I informed this to the Icici Bank people, I was not given any proper response and they said that they can’t do anything and deactivated the card.



It is very very surprising to note that even after being a Preferred Customer of Icici Bank and maintaining a good history as far as credit card is concerned and paying all my bills in time for the past 3 years, I was given threatening calls and my card was deactivated for merely Rs. 4,500 /-



All I asked for was a written apology from the executives their cheap and ridiculous behavior before making the payment of Rs. 24,993 /- (Rs. 4,500 + Rs. 20,493 /- ) , actual used and waiver o[censored]nnecessary charges debited to my Credit Card.



As far as the payment of your bills is concerned, you have already debited my Savings A/c of Rs. 29,450.85 (Rs. 13,360 /- on 26.10.09 and Rs. 16,090.85 /- On 10/12/2009)



It is very unfortunate that you have the time to call me 10 days a day to ask me for the payment but not even 1 executive could solve my problem or find a resolution. Just because you are a big company doesn’t mean that you can harass the customers without even listening to their problems despite being an HNI Customer for the last 5 years.



Since your company is not interested in maintaining relationships, I would like to cancel my Credit Cards and close all my accounts with your bank.

I have taken home loan from ICICI bank under floating rate of interest (ROI). Presently, the ICICI bank is charging ROI 12.75% from old customers like me. But it is luring new customers by advertising to pay home loans @ 8.25% ROI. My complaint is that why the ICICI Bank is discriminating between old and new customers. Why the old customers are overburdened to fetch new customers. To add more injuries, the ICICI bank is offering a scheme that "pay 30000/- and your rate of interest will be reduced to 8.75%". I want to ask that why the bank is offering such money making schemes? If a customer with floating ROI has to pay money for its loan reduction, then what is meaning of floating rate of interest?

To
the concern deppt.of icici credit card, i want to say that i was having 40000 rs limit in my card but it has changed and low to 11000. It is very disappointed for me and i have to take serious decision. so i request to you people please understand my words and do the need full
thanks
prakash chauhan

I had updated by contact details with the bank and also cross verified the details with the bank. After that I raised a request for transaction password to be sent to new address twice but they sending the password to old address only in spite of being their system are confirming my new address as communication address.

Also I had registered a complaint with bank customer care dept, to which the bank person always the complaint is with high priority but result is just the same.

I am feeling so regretted and frustrated with b2 (bad bad) ICICI bank service

Please guide me where should I further take this issue to get this sorted asap. My mail ID is [protected]@live.com

Dear Sir / Madam

This is in reference to the transaction dispute logged with you for Rs. 2000 which was charged on my ICICI Card # [protected]. The transaction was charged on 19th Oct'09 by Tata Indicom which was made illegally. As soon as the transaction was made, I received an SMS stating that my above mentioned card has been charged for Rs. 2000 by Tata Indicom, Mumbai whereas I was in Noida at the same time. As soon as I received the SMS, I called up at the Customer Service and blocked the Card. All this process was being done in only 1 hour of making a transaction. Thus, giving you ample time to reverse / stop the payment of the transaction made. As the investigatons were going on, I was given an interim credit of Rs. 2000, but of no use as I got to know that the charges have been reversed to my Card Account as your investigations failed. Two days back, I got an SMS as well as a Letter that the case has been closed and ended in bank's favour. First of all, I would like to make it clear that I was fighting against ICICI Bank. Thus, your statement mentioning "Ended in Bank's favour" is of no use.

Normally, as soon as the transaction is being made, bank takes 3 business days to credit the amount to the merchant, from where the transation is made. Whereas, I logged a complaint against this illegal transaction within 1 hour of the transaction. Thus, giving you whole 3 days to stop the amount to be credited to the merchant

Then, I would request you to please clarify the purpose of sending the SMS to the Consumer as soon as the transaction is made, if you can not reverse or make the updations provided by the Consumer against the transaction made. There is no use of sending thr alerts, if you make any changes against the transaction reported to you.

then, if you are not able to reverse the charges in 3 business days, how would you be going to grow up in business. This is totally agianst the working style of a bank. remember, you are playing with money, someone's hard earned money, which is absolutely not yours at all.

Then, as per your recent message, your investigations have failed and you have reversed the charges to my Account, which means that I need to pay for the charges I have not made a transaction for. Thus, I would request you to please arrange to provide the Investigation documents as earliest as possible as I need to log this Issue with Banking Ombudsman as well as Consumer Forums and to other NGOs involved in this area alongwith some major newspapers and magazines.

Thanks & regards
Mukesh Ahuja

Dear Team

In Oct 2007, there was a fraud transaction on my credit card [protected] fro some 8800 rs in hyderabad, wherein i got it blocked immediately. lodged a complaint with ICICI and wanted to investigate it..but after many days they came bak saying that, it was a genuine transaction and levied the due amount to me..
Need help on how i can get this rectified with ICICI

Dear Sir

I have been having a salary account with the ICICI Bank since 2005. I also have a ICICI Bank Credit Card.
My Credit card was lost and I did not knew about it, until I received an SMS on 18th Jan 2009, stating that a transaction have been from my credit card and purchase done
I immediately called the Customer Care and blocked my card; also I came to know that many transactions have been made from my account.
I have not made any single transaction from my card and I was told to file an FIR for the issue .I filed FIR and copy send to ICICI Bank.

The bank has placed lien on my salary account because I have not made payment towards my credit card. I have in no way given any written or oral approval for this anytime. And they de

The bank has not given prior intimation about this.

Neither the ICICI Bank credit card department nor the ICICI Bank with whom I have a salary account have communicated to me in any way about the lien.

Does the ICICI Credit Card Dept. have the right to put a lien on my Salary account?

Does the bank which I have trusted for so many years right in not even notifying me before putting a lien?

Please tell me how to proceed.

Thanks

Dear sir

I am working in pravite oraganization as per their recomdation we open a account in icici bank as a salary account with nill balancy , due to some problem between the ICiCi bank with our organization our salary account is shifted other bank , after that we not opearted the account , but we came to know some new papers better to close un operated account , by that i consulated with iCiCi bank to close my account but they are telling that pay 2000 rupees to close the account . we are not reviced any offical conifartion letters from icici bank .my account is converted in to normal account due that QAB Charges / penalty like that so many people are ther in my organization so please do need fully most of them salay less than 5000 rupees


Regards
T.Murali
Cell: [protected]

The mail id mentioned in the credit card statement is wrong and the right mail id is mentioned above,

Hello

My card number is [protected]. I have been using icici credit card and my banking account from 2006. I hold good relationship with your company apart from the basic issues that i had regarding the interest charges issues that i had. But now everything looks perfect untill i called up icici customer service. I have been using EMI facility and whenever i use to make any transactions of high value icici used to call me and offer me emi option. In the same loop i made a transaction of 20k and when i called up icici to convert this to emi, they give me shock saying that emi option is stopped. And when i asked him the reason, nobody has any specific reason but when i enquiredi came to know that icici was not pretty much in position to invest in this lot, but its not my problem to pay this amoutn at one shot, bcuz i was in loop that i can convert this to emi. IF they stopped emi option its icici responsibility to call and inform else a simple sms or atleast a mass mail to all its customers would save icici's reputation for the same..Its not only me many customers are having this problem and they are going for settlement which would def give bad credit report in cibil.. Now i dont have the complete money to pay for this. I would want icici to work with me atleast for the last time for emi as am bed ridden bcuz i met with an accident and on off to work so obviously my salary would stop. So now am not finding any alternative for this.. I would certainly expect icici to work with me for this bcuz i value their bank and its icici resposibility to value its customers. I do use citibank platinum card they work a lot for customer satisfaction. I understand its bank policy to change this but its equally banks responsibility to inform the customers about what is happening in the backend so that the customers would also act upon it, and if icici will come back and say no this is do or die option for u, then definetly i would go for negativity as i would certainly register a complaint against this. Its not banking code of conduct

Dear Sir / Madamme,
This is a complaint against ICICI Bank Customer Care and their total lack of commitment to the complaints from customers. I had complained against three perpetually non-functional ATMs in Chanakyapuri and Gopinath Bazar, New Delhi by e mail to ICICI, through my complaint No. :'ICICICARE=[protected]' level1complaint/ Savings Account, which was replied by Y Ambika, Customer Service Officer, ICICI Bank Limited, and phone call from her to me from Hyderabad (I do not know why from Hyderabad) stating that all issues will be set right.
I had again visited the ATM (ID No : S1CW3152) at Gopinath Bazar, New Delhi at 1921 hrs today (24 Dec 2009). Once again, the two machines were NOT able to give the transaction print out.
I had complained to ICICI about this ATM among the three that are referred in my previous complaint.

NO ACTION SEEMS TO HAVE BEEN TAKEN BY THE BANK ON THIS STATE FOR THE LAST NEARLY SIX MONTHS AS THE STATE IS THE SAME.

The guard at the ATM tells me that he has made this complaint to 'Brink's Arya', the Bank's agents for loading the ATMs, several times, but they just do not put paper rolls in it and also say that the machines need to be repaired.
In case the machines are not repaired in this week (i.e. by 31 Dec 2009) I may be forced to resort to taking legal recourse against your bank through the Consumers' Forum, since the Bank appears to be indifferent to polite complaints and messages.
Kindly raise the level to the appropriate authorities in your Bank in case this is not manageable at lower levels.
May I expect a reply and immediate action.
Brigadier SP Nawathe.

sir, my debit card is donot working, ple re-activet my card, my card num:[protected]...

Dear sir
I Neetu Sharma never used the credit card no [protected] in any means but according to CIBIL, ICICI BANK has shared my information in to CIBIL where in I have not used any credit card mentioning this number.
Whenever I talked to them they are blaming each other on the issue.I have applied for the home loan but my home loan got stuck due to cibil.
And the DOB which is mentioned in the account is also different from mine.According to ICICI bank its add on account but I dont even know the primary card holder name..
What would I do. please tell me how to get out of it...
regards
Neetu Sharma

Dear Sir,

I lost my ATM Card and whosoever has theft it had mis-used it. He withdrawed a sum of Rs. 13,000/- through ATM. Though SMS alert system is activated but not a single sms is received after the 3 transactions done.Camera fitted at ATM centre are not fitted properly and because of this the theif is not viewed properly. It is bank insufficiency for which i have suffered. Bank should solve this case.

Hi,

I had canceled the ICICI card in Feb 2009, but recently I came to know that the card has not been canceled by the bank and the interest on the card has piled up. The customer care executive says "card has been canceled but the account is not". This is embarrassing. Who can help me in this regard?

Thanks

Dear Sir,
Kindly refer to my above Service Request No.[protected]. I had furnished full details of my case in this complaint. Any how since your staff who called me over phone from [protected] at 10.48 hours on 12/12/2009, in response to my SR[protected] dt. 11.12.2009, I am once again furnishing details of my complaint.
I have availed home loan of Rs. 585000/- during August 2003 for purchasing a house at Erode. . My Loan No. is LBERO[protected]. Having experienced many discrepancies & sufferings a lot, I have fore closed my loan on 12.07.2008 at your Salem branch. After Closure, I was asked to collect the documents & I attended your Salem branch during first week of August 2008. But the registration document (Original Sale deed) in my favour was missing & I refused to receive the other documents without the main & important document. After that I approached your people many times from top to bottom. I was told by them that the document was not traceable. I was informed that, since the transactions during 2003 were dealt by Coimbatore office, they are unaware of the official who dealt with my case & where the document was kept. I have sent a letter to your area operations manager at Chennai also. But there was no proper response from anybody. Hence, I have made a complaint through service request No.97657483 during February 2009 as a last resource. One, Ms. Chigurupatati Banu, Customer Service Officer & Ms. Chitralekha , Customer Service manager responded through phone & E-mail & assured that they will process my request. Through E-mail dt. 18.3.2009, & over phone Ms. Chitralekha informed me that I can collect my documents from Salem Branch. Immediately I contacted Salem Branch. But I was informed that the documents available were the same documents as in July 2008. And now also original sale deed in my favour was not available. Hence I again sent the complaint through e-mail to Ms. Chitra Lekha, stating of the facts. But there was no response. As such, after patiently waiting I again made a complaint through SR[protected]. I was contacted by your staff from [protected]. After gathering all the details she had again contacted me after 15 days and informed me that they are in process of tracing the original sale deed made in my favour & it seems that the document had been misplaced. As such in the event of non traceability, they will arrange for recreating the document by observing usual formalities. She asked my concurrence in this regard and she also informed that I will be asked to sign in a form of concurrence and she will call me again in this regard. But after that, there was no response from your end. Whenever I try the above phone number, I am getting the report as “ the number not available”. Hence, I have again preferred this service request & sending the details as per your request.
Sir, 18 months had passed since I had closed my loan. Still, I am struggling from pillar to post to receive my documents. Since I am also an executive in a public sector enterprise, I find no time to approach you again & again. I have patiently waited till this time for an amicable solution. I am having material proof for having suffered by your people & your system during the operation of loan. I request you to return my documents including original sale deed & I need a proper written response from you at the earliest. I believe that my case will be dealt with immediate care & settled smoothly. In the event of failure, I find no other way except preferring a case before appropriate legal forum at your cost including for the sufferings I had experienced during the operation of loan.
Expecting your earliest response,
Thanking you,

Yours Sincerely,

(S. RAGUNATH)

Subject – Fraudulent withdrawl of Rs. 14,500/- from my A/C No.[protected]


Dear sir / madam

I Nirmal kumar shrivastava have been the regular customer of well reputed icici bank.
I here by inform you that a personal loan executive from HSBC Bank has come to my cocern for personal loan & collected cheque without my signature with the relevant documents required for personal loan & on 16/12/2009 at about 2.10 PM the money was withdrawn from ICICI BANK south extension – 2 , new delhi , the detail of fraud are as under :-

Name : - Ashutosh

Employee :- HSBC personal loan atta chowk noida (up)

Mobile no. :- [protected] & [protected]

Cheque no. : - 129311

Amount :- 14,500/-


I would request you to please investigate it that how is it possible to withdraw the money without the signature of the a/c holder & how the money was withdrawn without the proper identification of the concern person.

I request you to please take immediate action .

THANKS

WITH BEST REGARDS

NIRMAL KUMAR SHRIVASTAVA
A/C NO. [protected]

PARAM JYOTI MOVERS PVT. LTD.
615, PACE CITY –II . SECTOR – 37 GURGAON (HR)

CELL NO. -[protected]

Dear Sir,
we have taken a Home Loan from ICICI Bank, for Rs 8,19,760/-
@Effected Rate of interest 8%
Type of Interest was Floating
Loan Term(months) was for 240 months
@monthly EMI was calculated Rs 6857/-
to buy a Buil-up Flat at
Ramprastha Colony,
P.O. Chander, Ghaziabad 201011,
on 14th, July, 2005,
EMI was calculated @ Rs 6857/-
Loan A/c no: LBGHZ[protected]
This is total refrence for this loan, and so we have paid till date December 2009, aprox . 53 EMI, during this period the recession was there in the market.
So, as per ICICI Bank they have increased the Rate of Interest 3-4 times during this period and so they increased a very handsome amount of EMI too, day before yesterday I visited the Bank branch Netaji Subhash Palace, and I came to know that the Bank has increased the Term of Loan from 240 to 335 with the EMI, means they increased Tenour and EMI too as well, and I have paid only a few amount and Rs 7,80,017/- is outstanding in my a/c,
I was totally shocked to know this means I have paid nothing as the 282 EMI is Still pending besides the Amount to be paid as against the Loan taken, and what I have understood that whatever I have nearly 5,00,000/- Rs paid has no value. I had talked with them their officials but all was in ruin, and they have suggested an option as follows:

1. you take an insurance by filling an Agreement BOND in which they will charge me a monthly installment and will convert this Home Loan into a New Rate of Interest i.e. 8.25% and the Tenur will be 152 months.
2. they want me to deposit 1,00,000/- Rs and will continue for at least years to get this opportunity.

I asked them that you could increase the amount of EMI only why you have increased the Tenur too and that is too this much, and now you are building pressure on me to invest and will reduce the EMI Amount and Tenur as well.
was that recession so big that this amount with the Tenure has increased this much, I believe the fact that there is no difference in the past money lenders and this bank, and this will be continue with great grand children also and my loan amount they will be paying continuously, but the Loan principal will remain as it is and Chakraborty Interest will keep on and one day we will be without home and the will acqurie this house and my hardearned money too.
so my concern is cannot we stop the bank doing all this lootpat, and would request you to advice me how should I go against them and what and where I should go/contact to take neccessary action against their policies which they are refferring to.

Kindly help as you can understand my problem/trouble. I also do not know wether thir will be some guidence/help /reply from your side.

I will request again to help me out.

thanks
with regards
Jindal