ICICI Bank Complaints & Reviews

ICICI bank the Second Largest bank of india, they are making there money by deducting amount from your account and you will not able to notice that deduction.

I have a Current Account in ICICI Bank, I have to Manitain the Quaterly balance of Rs.5000 . i am maintaining that figure after that every month without making any transaction they deduct some amount for some service. I PUT A CHECK OF Rs 7000 IN MY ACCOUNT FOR CLEAREANCE OF THAT DOMESTIC CHECK THEY CHARGE ME Rs 308 SERVICE CHARGE WITHOUT GIVING ANY PRIOR INFORMATION.

THIS IS THE WORST BANK SERVICE WHICH I HAVE EVER GET IN MY LIFE FROM ICICI BANK. I WILL NEVER SUGGEST TO OPEN ANY ACCOUCT / SERVICE FROM ICICI BANK

REGARDS

Manoj

To,

Credit Card Dept.
ICICI Bank.

Subject:-BANK ASKS FOR EMI FOR THE LOAN I NEVER RECEIVED

Sir,

In the month of february 08 i was shopping at mens avenue shopping mall in pune.

I was paying my bill through ICICI back credit card swapping machine.

( i can not display credit card no here.)

The representative of the shop responsible for cash collection offered me LOan on my ICICI credit card which was be equal to cash limit

of my credit card by swapping the credit card on another special machine which was placed by ICICI bank for instant loan transaction.

He asked me to take loan and get the instant loan facility of ICICI bank.

i liked idea and i asked him to act for same.He swiped my credit card on that special machine and gave me recepit of it which stated that

i have availed a loan amount approx. 14000 and demand draft for same.He said, i will receive on my home address within 2 days and

installment will start from next month.

i was happy to get loan by such simple way.

But i did not receiveed any loan demand draft after that.

Since the sanctioned loan amount was not so high and also while swapping he had not done any credit card transaction, i did not bother why

i had not received any demand draft.

And since i have not received any demand draft for loan amount there was no question of EMI or giving it back, so i for got total incident.

After two months i started receiving email statement, reminder mails from ICICI that i need to pay the EMI.

So i called ICICI cust care and stated that i have not received that demand draft yet and how then they have started the collection for EMI.

so the customer executive asked me not to pay the EMI and asked me that whether i wanted to get that demand draft on my home address.

Since this issue was so compolex and service was not good i denied his request and asked to just cancel those EMI and asked him to drop

email to me that i dont have to pay EMI.

He has done

I have called customer care several time s and said all things and also replied to their email stating same.

This is now 9th month of the year and ICICI have not resolved this issue even after 7 month of the this incident.



Regards,
Nilkanth Patil
[protected]@gmail.com

To
The Chairman and other Board members
Mr. N. Vaghul, Mr. Sridar Iyengar, Mr. Lakshmi N. Mittal, Mr. Narendra Murkumbi, Mr. Anupam Puri, Mr. Arun Ramanathan, Mr. M.K. Sharma, Mr. P.M. Sinha, Prof. Marti G. Subrahmanyam, Mr. T.S. Vijayan, Mr. V. Prem Watsa
Managing Director&CEO
Mr. K.V. Kamath.
Joint Managing Director & Chief Financial Officer
Ms. Chanda Kochhar.
Executive Directors
Mr. V. Vaidyanathan, Ms. Madhabi Puri-Buch, Mr. Sonjoy Chatterjee.
Customer Service Committee
Mr. N.Vaghul, Mr.Narendra Murkumbi, Mr. M.K. Sharma, Mr. P.M. Sinha, Mr. K. V. Kamath.
GM, AGM, DGM, FINANCE MANAGERS, CUSTOMER CARE MANAGERS, CREDIT CARD DIVISION MANAGERS, SALES MANAGERS CREDIT CARDS, STATE HEAD, ALL OTHER MANAGERS.
Copy to:- customer.[protected]@icicibank.com, [protected]@icicibank.com, [protected]@icicibank.com, [protected]@icicibank.com, [protected]@icicibank.com, [protected]@icicibank.com, harshil.m.[protected]@icicibank.com.

Sub: - CHEATERS BY ICICI BANK NAME
Sir
I shamnad fazil, account holder of ICICI Bank Kazhakkuttom branch, Trivandrum and my A/C. No. is[protected] and I had insurance from ICICI Lombard for my vehicle(Rs 26000). I would like to inform you that I am going to stop all dealings with wretched ICICI BANK.
Three times I applied for ICICI credit card but three times I hear fabricated reasons from you. And my forth applications restarted on 3 July 2008 last reason was my office verification not yet complete. Now what reason you made for me? Kindly find some major reason like applicant don’t have enough financial sound, don’t have home or I found the applicant on street like baggers,
You know what is my asset? That is around 3crores; tell me what eligibility/criteria need for the ICICI bank credit card.
I am the card holder for the AXIS and HDFC, with what basis they had given me the cards and they had given me a smart service and I am so satisfied with their service
Compare to them what the specialty you have .NOTHING ONLY BAD SERVICE and I am so irritated with your service
Tell me to whom I want to approach to get a better service, to AXIS or HDFC or your wretched ICICI BANK.
What stupid service you are providing to your customer? I am not INTERESTED to keep any kind of relation with ICICI bank and I recommended to all the same.
If this kind of service you are providing to your customers, you are not able to survive in this field.
It’s absolutely a cheating; now I want to know the reason for the disapproval of my card, please ignore my application I don’t want any kind of services from you any more.

DEAR SIR/MADAM,

I REQUESTED FOR MY BILLING ADDRESS CHANGE ON NOV 2007, I CALLED UP AT CUSTOMER CARE AND ASKED THEN TO CHANGE MY BILLING ADDRESS. FIRST PROBLEM IS THEY ARE ALWAYZ OVERLODED WITH THE REQUEST THAT NO ONE HAS TIME TO PICK UP MY PHONE. mY WAIT TIME WAS MORE THAN 4 MIN. AND I TRIED 5- 6 TIME. EVERY TIME SAME RESPONSE.
I STILL HAD SOME PATIENCES LEFT IN ME AND CHASED THEM FINALLY SOME ONE PICKED UP THE PHONE AND AFTER CONFIRMING ALL MY UPDATED ADDRESS THEY TOLD ME DUE TO ELECTRONIC PROBLEM OR CONNECTION PROBLEM THEY CANT DO IT RIGHT NOW. I HAVE CHASING THEM FROM LAST 6-7 MONTHS BUT EVERY TIME I GET THE SAME RESPONSE. ITS BEEN MORE THAN 7 MONTHS I HAVE BEEN TRYING TO CHANGE MY CREDIT CARD BILLING ADDRESS.
MOREOVER I I CALLED UP ON 8TH OF JULY SOME WHERE AROUND 4:00 PM AND LADY PICKED UP THE PHONE AFTER MY WAIT TIME WAS 3 MINZ. SHE AGAIN TOLD ME THE SAME ELECTRONIC PROBLEM AND THE TIME I TOLD HER TO DEACTIVATE MY CC SHE JUST CUT DOWN THE PHONE. THAT WAS SUCH A RUDE RESPONSE FROM CUSTOMER CARE PPL. IT WAS VERY SHOCKING AND UNACCEPTABLE FOR ME.

THIS IS NOT IT, I AM FACING MANY ISSUES THIS IS ONE OF THEM.

ANOTHER COMPLAINT IS WITH ICICI PRUDENTIAL. ITS VERY MUCH SAME ISSUE. BUT I AM OUT OF MY PATIENCES AND THATS WHY I LFET THAT ISUUE THEN AND THERE.

PLEASE LOOK INTO THE MATTER AND DO THE NEEDFUL.

SINCERELY
DIPIKA MEHTA

Dear Sir,

The following complaint was made last month in your complaint section.
1- Should we go through the same ritual every year. I have again received in my monthly statement a claim for annual 3rd year fee for Rs1500+185.40 for card No-[protected]. I have been using only one credit card No- [protected] for nearly 10yrs and pay for all transactions on that. Last year your bank went to the extent of adjusting the credit card payment made, towards annual fee of[protected] and claimed dues. A letter of reprimand from me was followed by apology and reversal of that. I will only pay for the card I use.

Needless to say I did not receive any reply from you. Conveniently the amount has been transfered to this month's balance due and is being claimed again.
I once again make it very clear, I will pay only for services I avail. Your records should show that I have been using your credit card No- [protected] for my transactions and paying the due amount promptly.
I have never had or used your credit card no:[protected] and refuse to pay for it.
Kindly look into this and do the needful.Anticipating a reply from your side.
Thanking you
Ravi Shankar S

sir
i have paid all the loan .Even after two months i have not received any DOCUMETS. Loan a/cl LBABD[protected]

I HAD CONTACTED CUSTOMER CARE ON TOLL FREE NO AND ALSO SENT FOLLOWING MAIL, BUT THERE IS NO RESPONSE.
'"payment against credit card [protected]Saturday, 28 June, 2008 07:38
From: "Harbhajan Singh Arora" <[protected]@yahoo.com>View contact details To: customer.[protected]@icicibank.comDear Sir/Madam,

I am using icici credit card since last about 7 years, when ever there is problem it was sorted out icici customercare immediately.

For the statement of May 2008 Ihad to pay Rs9385 approx by[protected]. I went to ICICIC BANK MPNagar Bhopal on[protected] to deposit cash Iwas told to deposit by cheque otherwise there will be penalty, I deposited that amount in my saving bank account in icici bank MpNagar and went to credit card brach to handover cheque no 583605 DATED dtd[protected] for Rs 9400/- they refused to accept the cheque anc asked me to drop in box, immediately i droped in box and told them 17th is last date, they told by evening it will credit.

on 26-6-08 I got call from your Bombay office that credit card payment is not received .

It is surprising when cheque is deposited in time and there is sufficient balance in A/C why it is has not been credted in credit card A/C

Pl. do the necessary, I had also lodged complaint with icicici customer care on[protected].

your sincerely



HS ARORA

B-150, ALKAPURI, BHOPAL

MOB. [protected]

PHONE[protected] "


ON[protected] I HAVE GIVEN FRESH CHEQUE NO 583608 DTD[protected] FOR RS.9400/=AGAINST CREDIT CARD PAYMENT DUE ON[protected] TO MR TIWARI, INCHARGE OF CREDIT CARD DIV. BHOPAL .
IT IS SURPRISING TO NOTE THAT TODAY i.e. 2-7-2008 I GOT PHONE CALL AT 5PM FROM PHONE NO[protected] THAT MY CHEQUE OF ICICI BANK IS LYING IN BHOPAL UNIVERSITY CAMPUS BRANCH OF BANK, AND I SHOULD COLLECT FROM THEM, THIS CHEQUE WAS DROPED BY ME IN ICICI CREDIT CARD DIV CHEQUE BOX. PL. CHECK HOW THIS BLUNDER HAD HAPPENED, AND REFUND ALL THE CHARGES, LATE FEE, INTEREST AND SERVICE CHARGES TO MY ACCOUNT.
YOUR IMMEDIATE ACTION IN THIS MATTER WILL BE APPRECIATED.

REGARDS

HS ARORA
B-150 ALKAPURI
BHOPAL
[protected]
[protected]







Send instant messages to your online friends http://uk.messenger.yahoo.com

Fraudness of my credit card
Dear Sir,
my name is hozefa lokhandwala and
My Credit card no "[protected]"is misused by some person on date of 4th july 2008 on jazeera airlines I request to you to that how would I Know the name, Address & phone No.ID no
which is shown by him .
thank you,

hozefa lokhandwala
al- burhan, 1st flr, flt no 16
marol church rd, andheri (e),
mumbai- 400059.

This is to bring to your notice that I have been harrassed a lot by ICICI bank loan division in the past few months. I am a loan consumer of ICICI Bank I have taken four loans from ICICI in the past. One two wheeler loan (Detail not available with me right now) all amount cleared towards this loan account. Then I took a personal loan of 78000 rupees (Loan A/C: LPDEL[protected]) and one Auto loan (Loan A/C:LADEL[protected]) one more personal loan in March'08 (Loan A/C:LIDEL[protected]).

I was going trough some tough financial conditions for past one year and was not able to pay installments on time for the personal loans. I however managed to pay the installments for the car loan till December'07 (with some skips). Then I got a good job in Chennai and finally I decided to pay the debts asap. Before I take any action from my side the Bank detected my salary account (A/C:[protected] and they block my salary account in the May and took 18650 rupees from my salary account which was part of my salary for April'08 (21st May'08) (I was only left with 2500 rupees of my salary to survive for the entire month. Then they blocked some amount on my account which I borrowed from someone and paid on 28th of May 18350 rupees. (Receipt of cash payment on 28th May'08 - L[protected])

Detail of bank statement copied below;

2 21/05/2008 21/05/2008 LPDEL[protected]/LI OCT07-687 1, 129.00 17, 634.00
3 21/05/2008 21/05/2008 LPDEL[protected]/LI SEP07-428 2, 939.00 14, 695.00
4 21/05/2008 21/05/2008 LPDEL[protected]/LI MAY07-429 2, 939.00 11, 756.00
5 21/05/2008 21/05/2008 LPDEL[protected]/LI JUN07-430 2, 939.00 8, 817.00
6 21/05/2008 21/05/2008 LPDEL[protected]/LI JUL07-431 2, 939.00 5, 878.00
7 21/05/2008 21/05/2008 LPDEL[protected]/LI AUG07-432 2, 939.00 2, 939.00
8 21/05/2008 21/05/2008 LPDEL[protected]/LI APR07-433 2, 939.00 0.00
I knew I have some dues towards my car loan (Loan A/C:LADEL[protected]) and I paid 29350 rupees cash on 28th May'08 (recepit no L[protected]). I have also given in written that I will pay the remaining debts in couple of months. Finally my salary account (A/C:[protected] was released but salary for that month was not credited to my account so I requested for advance salary and I received 18900 rupees as advance salary on 9th June'08. I thought I will pay 6000 rupees towards my car loan account and that the reason I kept that amount till the end of the month. But due to my shift timings I was not able to visit the branch to make payments. I once called ICICI customer care and tried to request to send someone to my place to collect the money (Can be checked with bank call records) but they told me that thsi will take five or more business days.

In total I had paid around (18600+18350+[protected] rupees in the month of May'08. My intensions are not to be a defaulter I am willing to pay all my debts but the bank need to understand that I am a human and I have my own expenses. If the bank blocks my salary or snatches the salary (i.e.my bread and butter) how will I survive in this new place where I don't have relatives or friends. When I will not survive i will either die or leave the job then how will the bank get the remaining money from me.

They did the same again they put a block of 30000 rupees on my acount by the end of June and they snatched all my salary, I am again left with 7600 rupees to survive for the entire month. I came to know that Mr. Manish Jain (mobile: [protected]) has leaned my account for 30000 rupees for another Loan A/C:LIDEL[protected]. I tried to call him and say that I will pay the money in two installments because I need money to pay towards my car loan and other expenses. But he was not at all listening to me. He said he will talk to me after sometime but never picked my phone. I called him not less than 20 times all the time he disconnected my call.

Please think that the bank took 96300 rupees from me in two months my salary is 26000 rupees, I was running through tough time for one year will I have money to eat, live work and pay the bank debt. I am not at all in a condition to pay a single penny towards my car loan account (Loan A/C:LADEL[protected]) under the current situation the bank has left me with.

I am mentally harrassed like anything by the bank. If I was to be a defaulter I wouldn't have paid any thing after the bank auto debited my salary. I would have left this job and joined someother company. I never did this I voluntarily paid money towards the car loan where the bank didn't block any thing on my salary account towards my car loan. Still the bank is not at all cooperating with me.

The only option left with me is to leave this job and go to my home town. I want to file a case against all these harrassement of snatching my bread and butter when I was willing to pay all my debts. I will file a case for all these what the bank have given me when I wanted to be loyal and if at any point of time I commit suicide the bank and Manish Jain (mobile: [protected]) will be responsible and they will be responsible for my family, my father has retired five years back and he don't have any source of Income. I am the only earning member of my family at this point of time.

I want you all to guide me what to do when I have paid so much still the bank is not cooperating with my problem.

Yesterday, I called customer care of ICICI to file a complaint against Manish Jain (mobile: [protected]) for not listening to me and behaving in rude manner. I spoke to Mega More representative and she lodged a complaint gave me a reference number SR71369679. Manish Jain along with ICICI bank snatched all my happines and left me with tensions, harrassment and tears. I am depressed don't have a way other than suicide. In case I have to die I will make sure his happiness are snatched from his life. He will be responsible with the bank for my death.

Please help me I need help I am dying !!

Dear sir,

I have SB account no.[protected] with ICICI Allahabad branch. I went to Brisbane, Australia for my company's work for the period 22/04/2008 to 26/04/2008. I stayed at Confort Inn Hotel, North gate. They asked for some debit card for security reasons. Hotel people swap my card and amount
300 AUS $ have been deducted from my ICICI account. I was not knowing that Rs.11734.95 have been deducted from my account. I came to know after coming back to India. I have done extra payment equivalent to 300 AUS $ .I have paid cash worth 640 AUS $ cash. The cash receipt is attached file Australia tour bills page 1. After coming back to india i have checked my account, I found that Rs.11734.95 is debited from my account (tran ID SB281426 dtd.22/04/2008). I have also attached account statement in excel form for your reference

In this connection i had a telephonic talk with hotel at Australia, they says that amount 300 Aus $ is not debited from my account you may check with your bank. Hotel people reply "This was only a pre auth no money has been taken this will disappear within a few days " .

After further correspondence, they advised “From Northgate Motel's bank, the only option you now have is to reject the claim for payment from your bank and claim payment back from your bank. Your bank needs to contact Northgate Bank which is "Westpac Bank, BSB No 034003" with the account
being in the name of "The Northgate Motel."

ICICI bank says that the above amount is swaped from your card, so you talk to Comfort Inn and hotel people are not giving reply.

Pl. do needful hotel says that the above amount is credited hotel's account.

(See attached file: Australia tour bills.pdf)(See attached
file:
[protected].xls)(See attached file: comfort Inn.pdf)(See attached
file:
Application.pdf)

With regards,


(Vinaykumar Natavarlal Suthar)
ICICI A/C No.[protected]
Mobile : [protected]

Respected Sir,
I have taken a Two Wheeler loan from ICICI Bank, which was started from 07th April, 2005, Loan Account no- LTCAL[protected], mode of payment is PDC and Tenor is for 36 months. The payment of the said Loan has been completed on Dtd. 7th March, 2008. But till now nither I receive the NOC Certificate, nor any reply from ICICI Bank. As without the NOC from ICICI Bank I am unable to cancel the hypothecation in my registration book. As ICICI Bank have publicity that "ICICI Bank is the best one in the field of LOAN". But my experience since those about ICICI proved all in vain.
Please take care the statement furnished to you and take action on this matter and reply me as soon a possible.
Thanking You
Yours faithfully
TUSHAR KUMAR SARKAR
Phone: [protected]
Add: Anandomoyee Para
(Deulpara)
Near Bolaibagh
P.O. NAIHATI
District: 24 Pgs (N)
Pin: 743165, West Bengal

in recent move icici bank has raised minimum deposit limit to 10, 000 per day. I have savings bank account - as a physically challenged person it is quite handful for me access the bank services through internet. Now the limit has raised it become a burden for me.

I have done FDR with your ICICI bank (Ashok Vihar, Delhi) branch(code 0331).But on maturity I have face many troubles & not encash my fdr till date.I have visited 3-4 times to your Ashok vihar branch, & still they are no positive answer for not
maturity of FDR.

When I asked for complaint book ther refuse to give me.So I am not interested to continue business with your bank.Pls relese my FDR with emidiate effect.

A.K.Jain([protected])

Fund can be transferred from one bank to another through NEFT fund transfer. It usually takes around 1 or 2 working days for money to get transfered. This is applicable for any bank except ICICI bank. It takes more than 3 days for the money to get transfered. Why does icici keep the with it for so long. Is there any RBI guidelines in this respect? How can I raise a complain with RBI against ICICI bank?

I am a customer for ICICI Credit card for the past 5 years. Unfortunately, it happend this year to purchase few items for my home. I have been through their rewards policy system as follows:

http://www.icicibank.com/pfsuser/cards/creditcard/rewardpoints/rp_faq.htm

For every Rs. 200 spent on eligible purchases, you will receive 1 reward point. For example if you spend Rs. 15000, you will receive 75 reward...

Dear Sir/Madam,

my card no-[protected]
I hereby infrom you that i was not received the monthly statment regularly and for that i made complaint over the phone to the TeleCaller but always they assure but no result as such i have to make every time late fee and overlimit charges,
That today 02/07/08 at about 3.30 pm I went to the Kolkata Head Office at 2A Upper Wood Street, & talk to the Lady Executive Namely Mrs Sudesana Roy & she assure me to reversal of the last five month late fee and overlimit charges, if i made request to u by email as such i request u to pl reverse the last five month late fee and overlimit charges, and give me oppertuinity to be the regular card holder
pl do the needful at your earliest,

dear sir,
using my credit card somebody purchae something for rs 6700 in the month of february. my credit card no [protected], i complaint icici bank customer care and cancel my card and ask them to trace the fraud . customer care guy cancell the card and told complaint is registered you need to wait for 60 days and they did, t give any complaint no. if i call custumer care they were telling already 90 days over so we cannot proceed this complaint. if i ask the murchant details they are not ready to give . not because of this complaint no i cannot complaint to the higher authority. how can i recover my money and catch the fraud .if we purchase something online murchant address and delivery address should be there they were not suppose to get that also. kindly do me the favor.

thanks,
josan thomas

Dear Sir,
I have an salery account on your bank at neheru place branch delhi
today i want to withdrawal ten thousent from my ICICI Bank account NO[protected] by useaing the ATM of State Bank Of India AT Vikash nager Distt. Dehradun ( Uttranchal) which branch code is 08001. but due to ATM machine problems i cant receipt the money from ATM machine but thoes ten thousand has been debit to my account. i had summit my complane at SBI branch ATM incharge in writen and want to informe to u pl. creadit ten thousand in my account as early as possible.
SO u r requested kindly do the needfull as early as possible.

Regards,
Samsher Singh
Cont. no DELHI [protected], CONT. UTTRANCHAL [protected]

Icici Bank people has dispatched my User id & Password on 28/06/2008 through ELBEE Courier but still i.e till 01/07/2008 i have not recived my courier. This is very wrost service from ELBEE...