ICICI Bank Complaints & Reviews

I Apply for my ICICI Credit card last one year and dont know still they not cancel it. and I m not in India last nearly 2yr so no need to keep using it than even they send me card charge apx 150Rs. every 3months. unfortunatlly that direct debit from my account so I am helpless and again and again requast to cancel my card. I hope this works

dear consumers,

you are requested to check your accounts as i found that icicidirect has made my Rs67 thousand just evaporate without any reason.This problem is being resolve d last two weeks and now they again made me liable for Rs16000/
check your account something big fraud is going on icici. they have become most in efficient, going to file a consumer case

sanjayan

Non receipt of Transaction password

I had applied for transaction password with ICICI on 17/8/08 vide ref no. sr76479425 but till date i have not recd. it inspite of repeated request with customer care.
pl look into the matter asap and inform me .

Thanx
Ashish K Aggarwal
A-4 New gandhi Nagar
Ghaziabad-201001(U.P)

On my ICICI Bank Credit Card No. [protected] there was a credit balance of over Rs. 2500.00 and on withdrawal of Rs. 2000 & Rs. 500 on different datesduring July 2008, charges of Rs. 300 for each transtion plus service tax was imposed. On my request Charges on one transtion was reversed. Still Rs. 300 plus service charges are to be paid by 3rd September 2008 for the second transaction.

As I was under the mistaken belief that I can withdraw my money ( credit Balalnce)with out any charges, I request you condon the mistake and to kindly arrange the reversal of the charges immediately so that I do not have to pay it on September the 3rd 2008. With Regards- Amresh Kumar Khajuria

Dear Sir,

We had applied for ICICI bank Bonds in October 2007.

The bonds were not received by us till December 2007.

In January 2008, I called up the ICICI Bank Customer Care help line and officer tols me that I should write to [protected]@icicibank.com

On 4th January 2008, I wrote a mail to [protected]@icicibank.com (this is the customer care e-mail) and told them that I have not received the bonds

The very same day I was replied to by stating that the matter has been taken up with the Registrar

On 10th January 2008, I again wrote to them with reference to earlier correspondence and told them that I have not been replied to

On 14th January 2008, I received an e-mail stating that they are in the process of taking over the Bonds Issue and a weeks time was sought from me

However, I did not hear from them till 24th January 2008 and so, i decided to call them up. The Customer Care Officer gave me the Bond Holder's Number and told me that the bonds have been despatched to us on 03rd January 2008 but she could not give me the details of despatch medium etc.

Hence, I wrote a mail the very same day giving reference to my discussions and asked them to revert back at the earliest

Also, I faxed a letter to them giving the full history and asking for my bonds

I did not hear from the Bank till 7th february 2008 when I called up the Customer Care. the Officer told me that a reply has been sent to me on 05th february 2008. The officer also told me that even the bank has not received back the bonds and he advised me that I should request for duplicate certificates by writing to the Bond Manager

So, I faxed across a letter on 08th february 2008 to the Bond Manager giving refernce to my discussions and asking for duplicate bonds

However, I did not receive any response from them till 14th february 2008. So, I called up the customer care once again on 14th february 2008. The officer told me they are supposed to reply within 48 hours.

Once again, I wrote a mail on 14th february 2008 asking for my bonds

On 29th February 2008, I received an e-mail from them stating that the bonds have been despatched by speed post on 18/12/2007 and have not been delivered back to them and that I should check with my local post office

When, I enquired in the Post office, I came to know that the envelopes have been returned back and the same information was available on Post Office website

Immediately, I wrote to the bank stating that the documents have been returned undelivered

Now, the bank has sent us a whole lot of legal papers to be notarised, stamped etc

We are small people and is it right for bank to ask us to incur expenses of nearly Rs. 700-800 (in notarising and indemnity bonds issuance and surety etc.) when we have not lost the bonds

I understand that indemnity bond is issued when I have done a mistake but why should bank ask me to indemnify them for no mistake of mine

The Bank should trace the original documents and deliver it to me or show me the proof of delivery

I have not received the certificates and in that event how can I be made responsible to indemnify the Bank for the same

This is sheer muscle power being used by such a big organisation as they know that fighting a legal battle by small people like us is just out of question owing to the complexities and time taken by the process

Is there no responsibility for Bank to locate the original documents and is there no onus on the Bank

Should a small investor be penalised for no fault of his


Dear Sir,

Please note the developments and the faults committed by the Bank:

The Bank officer first confirmed us that documents have been sent on 3rd January 2008 and then they told us that it has been sent on 18th december 2007. Had we known this fact earlier, we could have done something but by the time we were given correct information, the documents were returned

I agree that probabaly we were not at our place when the documents came for delivery but we had initiated the process of enquiring about it well before the second delivery and had the officers given us the correct information and in time, we could have easily received the documents

Secondly, the delay in response was always from bank's end. They always were replying delayed and there system was not ready to offer information as they were taking over. They had to be followed up

From the above, it clearly emerges that due to sheer negiligence and delay on bank's part, we have been put to trouble

For all the above written correspondences, I have a copy and can be produced whenever required

Please help

Home Loan A/c No. LBMUM[protected]
BIRENDRA PRATAP MISHRA
A/5-702, SAKET COMPLEX, THANE (W)
Tel [protected]


Respected Sir,

I have taken the Home loan Rs 5 Lacs from ICICI bank in year 2002 as EMI Rs 5161/- per month & my last payment was in month of 07June08, but in May08 I have received the letter from ICICI Bank, stated that your out satanding balance As on 07 june08 is Rs 2524/. If you wanted to pay now we will cancell your last EMI cheque.
As per letter I have paid Rs.2524/ wide cheque at ICICI Bank Andheri east branch to Mr Rishi (ICICI Bank Repersantative).

But instead of cancel EMI Cheque, they present to my bank resultant it has bounced after that ICICI BANK'S Recovery agent started harassing me.

After that I have written so many mail, Letter via courier and made request on help line no. wide reqest no.SR[protected]JUNE08, FR[protected]JUNE08, SR[protected]JUNE08, but no one responded. then I have take the off from my office and visited to branch then they realised my problem and promised me to give the compensation for that, but after around 4 month no one responded.

Kindly help for that.

Thanking You:

Birendra Mishra

Hi,

I am a ICICI bank credit card customer from past 4 year, I had a very bad experience and really frustrated by the way they cheated me from past 6 month, The will put a interest + late payment charges even for 10 rupees pending from the customer, but in case if we need to get something from icici they will never care about that, we cant expect any interest+late payment charges or anything for any if we need to get soemthing from icici bank.

they will promise 100 times and and they make us to spend lots of money to phone + email and also they make us to spend our valuable time also.

I have posted my whole experience from past 6 month in the form of communication i had from icici bank with this mail below.

[protected][protected][protected]
Dear Saritha,

As expected you dint keep your promise this time too.

Enough getting cheated by ICICI, I came to know that many of my colleagues/friends are also experienced the same cheating by ICICI.

please de-activate my card and send me cancellation acknowledgement.


Thanks,
Abdul

Dear Mr. Salam,

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 August 21, 2008.

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,

V.Saritha
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 18, 2008 08:29 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

Dear Saritha,

I am fed-up and frustrated with following this offer. I don't want your gift, I have paid all the outstanding i had, so kindly please de-activate my card and account. I no more want to use icici card they are just a cheater, they were cheating from past 6 month.

Thanks and Regards,
Abdul

-----Reply Separator-------Dear Mr. Salam,

We understand your concern, however according to the revert from department concern, we inform that you will receive the gift item by August 15, 2008

We regret the inconvenience caused to you.

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,
V.Saritha
Account Manager
ICICI Bank Limited

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'Change of Address' under service request or download the Address Change form from our website
http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

Safe Tip: Remember your passwords and do not tell anyone else, be it your close relative, trusted friend or even your banker
-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Tuesday, August 05, 2008 12:38 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

-----Reply Separator-------Dear Saritha,

I dint recieved the gift till now as you promised me to recieve it by august 02.

I am really very frustrated with this service/cheating from ICICI and i request you to kindly please de-activate my card which i dont want to get cheated again.

i am going to farward the same mail to public form and all of my friends.

Thanks,
Abdul

Dear Mr. Salam,

We have escalated your complaint regarding the non-receipt of the gift item with Service Request SR74171457.

You will receive an e-mail alert regarding the status of your request to your e-mail ID abdul.[protected]@aricent.com or SMS on mobile [protected] by August 02, 2008.

Never give away your card details or account details in response to mails that offer free gifts or lottery winnings.

Sincerely,
V.Saritha
Account Manager
ICICI Bank Limited

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'Change of Address' under service request or download the Address Change form from our website
http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

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





-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Friday, July 25, 2008 09:42 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

Hi Sarita,

When you called me I told you clearely thats you dont keep your words as promissed but you said its not going to repeat this time.

its already July 25th and I still not recieved any positive response from you/icici bank.

please advise me on this about what action now i have to take on icici bank as we discussed.

Thanks,
Abdul


-----Reply Separator-------Dear Mr. Salam,

On the basis of our telephonic conversation, we inform you that you will receive the gift item by July 20, 2008.

Due to shortage of gift items you were not received the gift items by June 20, 2008, we request you to wait till July 20, 2008.

We regret the inconvenience caused to you.

For your safety DO NOT:

1. Keep your cheque books and cards together
2. Keep the blank cheque leaves signed
3. Allow anyone else to use your card, PIN, password or any other security information
4. Write down or record your PIN, password or any other security information
5. Give your account details, password or any other security information to anyone.

Sincerely,
V.Saritha
Account Manager
ICICI Bank Limited

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'Change of Address' under service request or download the Address Change form from our website
http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

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


-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Tuesday, July 01, 2008 09:03 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

-----Reply Separator-------
Dear Madhavi,

Its already more than 3 week but i dint recieved the gift as promised.

Kindly send it across to me immediately, ignore this mail if you have already dispatched.

Thanks and Regards,
Abdul Salam

Dear Mr. Salam,

Further to our telephonic conversation on 07/06/2008, we inform you that according to the revert from the department, your gift will get dispatched within 3 weeks and the reward points will get credited by next week.

The delay was due to delay from the manufacturer's end.

We regret for the inconvenience caused in regard to your card account.

We focus considerable effort on training our staff to ensure high levels of service and we shall further strengthen our initiatives in this direction based on your feedback. We earnestly hope that the negative experience you had will not come in the way of your availing our facility.

We apologizes, once again for the unpleasant experience and assure you that every effort is being made to ensure that such lapses do not recur.

All our customers are important to us and your feedback will aid us in introspection and improvements in our processes ultimately leading to customer delight.


Sincerely,

Madhavi Vinjamuri
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.

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: Thursday, June 05, 2008 03:52 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

-----Reply Separator-------Hi Sunder,

Thanks for your response,

Offer is not only for the gift but also contains reward points. So i expect both the offers by June 07, 2008 without repeating the same dialogue "It will be credited in the next billing cycle or its under process/investigation"

Thanks and Regards,
Abdul Salam

Thanks and Regards,


Dear Mr. Salam,

On the basis of our telephonic conversation we have registered your complaint for non receipt of the gift with service reference number SR68502579.

We will revert to you by June 07, 2008.

For your safety DO NOT:

1. Keep your cheque books and cards together
2. Keep the blank cheque leaves signed
3. Allow anyone else to use your card, PIN, password or any other security information
4. Write down or record your PIN, password or any other security information
5. Give your account details, password or any other security information to anyone.
6. Sharing your PIN is as good as sharing your card


Credit Cards Fees structure is changed w.e.f. 1st June, 08. For details visit www.icicibank.com>Personal Banking >Cards> Credit Cards > Most Important Terms and Conditions.

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.
Sincerely,

Shyam Sunder K
Account Manager
ICICI Bank Limited

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'Change of Address' under service request or download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

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


-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Tuesday, June 03, 2008 08:57 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

Dear Naren,

As expected you too unable to keep your promise.
please send me the one point of contact from bangalore so that i can directly speak to them i fed-up sending emails. I tried contacting customer care few times but each time i called i am interacting with new persons and hence i have to explain each and everything from beginning and everyone treats or responds as if i called for the first time.

so please send me a contact info of highest level escalates. if my issue doesnt get resolved then i myself find a solution, this is a reminder that I WILL PURCHASE ITEMS FROM YOUR BEHALF FOR THE SAME VALUE AS THE GIFT + REWARD POINTS AS PROMISED IN THE OFFER AND I AM NOT GOING TO PAY, I AM NO MORE GOING TO USE MY CARD AFTER THAT.

Thanks and Regards,
Abdul Salam

[protected][protected]-------

Dear Mr. Salam,

We are deeply concerned with the issues raised by you in your e-mail. We regret that our service couldn't live up to the expectations.

At the outset, we are extremely sorry for the delay in responding to your e-mail.

We have escalated the issue with the department concerned and looking into it to resolve it on priority against the Service Reference SR67923221.

Once the request is processed we will revert you with final status by June 02, 2008.

Looking forward to your co-operation.

For your safety DO NOT:
1. Keep your cheque books and cards together
2. Keep the blank cheque leaves signed
3. Allow anyone else to use your card, PIN, password or any other security information
4. Write down or record your PIN, password or any other security information
5. Give your account details, password or any other security information to anyone.
Sincerely,
Naren Reddy
Customer Service 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.

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'Change of Address' under service request or download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

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

-----Original Message-----

-----Reply Separator-------Dear Pallavi,

Today is May 28, 2008, your deadline for 20th time. This time I don?t wish to hear the same dialogue saying ?Reward points will be credited in the next billing cycle and Gift will be dispatched soon?.

Instead of giving the reason and postponing please send me the gift + credit the reward points as offered. Or PLEASE AGREE PUBLICLY SAYING THAT WAS A FALSE OFFER/PROMISE FROM ICICI BANK.

I am so frustrated and fed up with following up with you guys from past 6 months.

Thanks,
Abdul Salam


Dear Mr. Salam,

We have taken request to check why reward points are not credited with Service Request SR66895754.

We will write to you with the status by May 28, 2008.

Sincerely,

Pallavi Yalala
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.





-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Tuesday, May 20, 2008 09:10 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

-----Reply Separator-------Dear Pallavi,

You have finally promised to send my gift and reward points in this statement cycle, but i could not see any sign of keeping your promise.

Please let me know the new reason why this time you are unable to retain your promise.

Thanks,
Abdul

Dear Mr. Salam,

Reward points will be credited in you next statement.

Sincerely,

Pallavi Yalala
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.



-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Friday, May 09, 2008 09:49 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

Dear Pallavi,

Thanks for your quick reply.

I am expecting your feedback about reward points which is promissed in the offer. I want that to be credited immediately without any further delay.

Thanks and Regards,
Abdul



Dear Mr. Salam,

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

We focus considerable effort to ensure high levels of service and we shall further strengthen our initiatives in this direction based on your feedback. We earnestly hope that the negative experience you had will not come in future.

The Bank will confirm once the gift is dispatched.

Sincerely,

Pallavi Yalala
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.



-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Thursday, May 08, 2008 10:34 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

Dear Pallavi,

Thanks for your reply.

I am not convinced with your answer saying "Delay in dispatching the gift" for 2 reason.

1. Delay should not be around 2-3 months at any cost (As per my knowledge ICICI will never accept any reason if customer delayed to pay the bill)

2. Offer also includes reward points which supposed to be updated into my account 2-3 months back.

I would like to here from you the reason why the reward points are still not yet updated into my account, i am not ready to accept any reason for this delay. this should be automatically done by the system and any technical reson should not take 2-3 months.

I Request you to please investigate this matter further and get back to me with the solution BEFORE I RAISE THIS COMPLAINT IN PUBLIC FORUMS. I have a track of around 10 mails in which you have promised me to send the gift+reward points in Feb end.

Thanks and Regards,
Abdul



-----Reply Separator-------Dear Mr. Salam,

There is a delay with regards to despatch of gift " Silver diamond pendant " to the winners of the offer.

The supplier will take a few more days to supply with the order. Despatch will be completed for all winners within 60 days from last date of the promo ie: 31st March 2008.

This period will now be extended and will take atleast 20 more days ( ie: 20th june 2008 instead of 30th May 2008.)

Sincerely,

Pallavi Yalala
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.




-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Friday, May 02, 2008 08:44 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

Dear Pallavi,

This is not a fair move from ICICI bank, I am keep on contacting you from past 4 months and each time you are postponing me to contact after few days, if you can read my mail you can easily findout how many promise you missed.

you have promissed me to give gift + Reward points in march but till now i havent recieved anything.

now its may first week and i hope atleast this time u keep your promise.

You inspired me to use my credit card instead of cash, i request you to revert back all the interest i have paid for this 17000 rupees, i donot want any promotional offers from you.

Thanks,
Abdul

-----Reply Separator-------Dear Mr. Salam,

As the offer period is from1st Jan, 08 to 29th Feb, 08 and gifts will be delivered with in 60 days from the end of offer period.

We will be able to take a request in May first week.

We request you to co-operate with us to resolve the issue.

Sincerely,

Pallavi Yalala
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.



-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Friday, April 25, 2008 08:55 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

Hi Madhavi,

You have promissed to get back to me by April 22nd, but i havent recieved any feedback till now.

Kindly Investigate this matter and revert back to me with the solution.

Thanks,
Abdul


-----Reply Separator-------Dear Mr. Salam,

We have initiated Service Request SR63118105.

Your request is our priority. We are in contact with the concern department and will revert to you on April 22, 2008.

Sincerely,

Madhavi G
Account Manager
ICICI Bank Limited


If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'Change of Address' under service request or download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

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




-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Wednesday, April 16, 2008 12:04 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Promotions/Schemes

Hello Sir,

As replied i have waited till now but i have recieved either gift or reward points as promissed.

Please investigate this issue and revert back to me with the solution.

Thanks and Regards,
Abdul

-----Reply Separator-------Dear Mr. Abdul,

We confirm the offer as follows:-

"Customer will get 25% reward points in his first three transactions subject to a maximum of 250 reward points per transaction.
And if the customer spends Rs7500 in the Jan & Feb, he will get a Adora silver diamond pendant worth Rs1000 free."

Offer Period is 1st Jan, 08 to 29th Feb, 08 hence we request you to contact after offer period.

Looking forward for your co-operation.
Sincerely

Jitendra Pande
Account Manager
ICICI Bank Limited


If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records. To do this, please download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm fill it and drop it at any ICICI Bank/ATM drop box.

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-----
Subject: Promotions/Schemes

Dear Sir/Madam,

I have been informed that i have an offer of getting 1000 rupees diamond pendant and 25% reward point on my card for th e first 3 transactions in jan-feb 08

I made transactions of Rs. 12, 624.00, Rs. 1, 816.00, Rs. 999.00 and Rs. 455.50 in that order total around 16000 rupees in big bazaar on 26/01/08.

I haven't received any gifts or reward points as promissed. please kindly let me know by when can i expect these offers for my transactions.

Thanks and Regards,
Abdul Salam
mobile : [protected]

Res, Sir we Madhusudan Chimalal Shah at chhota-udepur dist-Baroda Gujarat have a Icici bank Instruction card card no-[protected] recently icici have some problem with our HPCL company Hpcl did not given COR report and icici reduce our card limit from 41 lack to 18 lack our buisness is market releted so icici bank given notice for due out standing amount icici bank did not given any time to pay this over due amount and put so many charges of this over due pament that reason we go to state bank of india to put our papers to give us cc .so state bank of india requred credit report from icici bank so we demand a credit report to icici bank officer Mr.Himanshu Jatley( Instruction Card West Zone head) date[protected] for giving credit report but till date[protected] he was not given a credit report our state bank officer also send a mail to himanshu jaitley for give a credit report.
second thing our talkinh with himanshu jaitley to wave our over due charges so he tell us first to pay 2050000 and we will wave your over due charges of Rs-32000.and we will give you a nodue certificate within three days, still today date[protected] he was not given no due certificate so we are send to our out standing 32000 Rupees today[protected] but we did not hope Mr.Himanshu Jaitley bring our no due certifiate
we also Mental harassment complain from himanshu jaitley from one month and our state bank manager and Baroda icici instruction card officer also know how to take jaitley to customer so we request you to punish that officer and to issue our no due certificate as early as possible.

Bhavesh Shah

To,

Manager,
ICICI Bank,

I have closed my savings a/c number[protected] with ICICI bank on 7th July. The ICICI bank employe told me that I will receive pay order of the balance amout 5570 Rs. in around 8 working days. But I have not received the pay order till date - 29 Aug 2008. I contacted ICICI Ghatkopar East Mumbai brach where my ccount was present but they told me they need to ask the courier people and then they will get back to me. No one called me.

Please look into this matter.

Thanks,
Vivek.

I have taken a home loan of Rs.1000000/- for 15 years tenure in floating interest rate. The Aggrement no: LBBAL[protected]. Pre EMI paid was Rs.25385/- from dated:31/12/2004 to 31/07/2005 . The initial offer given was 7.25 interest rate. When the loan was accepted the interest rate fixed was 8.5 with EMI Rs.9557/- per month for 15 years. After some months on 07/05/2006 again the interest rate was changed to 9%, the EMI was kept constant but the tenure was increased to some more year.Again the interest rate hiked to 10% from 07/08/2006, the tenure increased to another few more years.on 07/02/2007 the interest rate fixed at 10.5 & then increased to12.5% from 07/05/2007, the tenure increased to the max. limit & EMI increased to 10565/- per month. Even after paying 37 EMI, the CL.Principal is found to be Rs.948404/-. The last tenure is found to be 07/07/2030 for complition at this stage. This may again increase to many extent. I want to know that whether there is any control of RBI or any other rules these private Banks follows, on Home loans. As per my view there is some cheating. Many times the bank was asked regarding the calculation for Tenure increasing & EMI increasing, but they are not providing. All Private & PSU Bank must have similar calculation. Kindly look into the matter so that I can get justice against this type of cheating of ICICI HOME FINANCE LTD. Many customers are also facing similar type cheating from ICICI. Now HOMEloan rate of ICICI might have increased again, but they never intimate to the Loanee

Dear Sir,

I have taken loan Amt of Rs 25000/- from ICICI bank, which I wants to clear the loan however unable to trace the Loan A/c no. for same.

Details Below:
Loan Amt : Rs 25000/-
Month : Sept 06
EMI : Rs 1363/-
EMI is through ECS.
ICICI Bank A.c no :[protected].

Request to please help.

Regards,
Siddharth Jagtap.
+91 [protected]
+91 [protected]

Sir,
I have a saving account in ICICI since 2002 and my account number is[protected]. I have deposited Rs-15000/=on 24.06.2008.but next I received a message that bank had curtailed Rs-2749/=due to non maintenance of my account. I was out of station due to some personal problem about one year.Bank never given me any information that I have to penalty if I not maintained the account. I given a letter to branch manager and requesting him to re-imburse my amount because this was happen first time and promise him that it would never be repeated.They propmise me about re-imbursement of curtailed amount but after spending two months problem stiil exist.

Facts

In June 2008 I applied for a Home Loan and was granted and disbursed a loan of INR 30 Lakh for which I am paying the instalments from 1 July 2008.

During the processing of home loan the representative, Mr Shashank asked me to sign several agreements. Later an ICICI lombard Insurance executive came to my house with Mr Shashank asking me to sign the ECS authorisation which I politely declined since my loan grant letter mentioned that I am given a complementary insurance cover with the home loan.

The executive from ICICI lombard did his best to sell the product stating it would cover critical illnesses but I was sure that I did not want to pay for a policy that I did not believe would suit my needs and situation.

After that he called me several times but I kept refusing to accept it and never authorised him to process the extra insurance cover for my home loan.


Issue

On 1 August 2008, I received a loan disbursement letter for INR 96000.

I called customer service to explain that I had never requested it and I was advised that it was a top up loan which was disbursed and EMI of INR 1085 would commence from August 08. I distinctly remember not requesting any insurance policy or agreeing to pay for it.

I have only authorised payment of EMI for my home loan of INR 32 Lakh and any amount debited from my Standard chartered account will be unauthorised and hence fraudulent.

Name of the agency and executive

Contact numbers of agency and executive Mr Shashank
Location of the agency Green Park ICICI branch
Date of Birth 5th June of 1976
Communication address with PIN code H.No. 230, Sector-7, R.K. Puram, New Delhi - 110022
Total Disputed loan amount INR 96000
Date of documents submitted:  Did not submit any request to disburse this loan

Dear Sir,
I am Sidda Vinod Kumar, I have ICICI Credit Card, but i paid full amount on that card.But its showing Overdue, Please check once, and then remove.

Please reply me,




Thanks & Regards,
SIDDA VINOD KUMAR,
[protected].

I am employee of ICICI Bank and has taken personal loan at subsidized rate of 2.5%.
As per the loan agreement if an employee leaves the organisation before completing 3 years of his services he has to pay the interest @ 8% instead of 2.5%.
I have joined the bank on 07 Nov 2005,
Resigned from the bank on 29 July 2008,
Last working date 10 Sept 2008 (i.e before completion of 3yrs).
Now there is a change in the HR policy which states that instead of 8% penal rate of interest the rate will be 15%, which will be applicable to all the employees who ahs resigned after 14th July 2008 while the loan agreement says penal rate of interest will be 8%.
Now, my last working date is approaching and they are asking me to pay the difference of interest retrospectively @ 15% which is not legal & logical.
The bank is thinking of making profit from each source, whether it is legal or illegal.

Hi,

I have paid all my due charges on any bank always on time. In Jan'08, I did not receive my bill on time and hence paid the ICICI credit card amount after due date. Since then, I never received any phone calls or e-mails from ICICI bank regarding late fee they applied on my account. I was not in India for next 6 months however my phone was still active. I never received any hard copy of the statement and I didnt expect it too because I had paid all their charges.

In July, when I came back I received their statement asking me to submit around Rs 3000 or they threaten me to forward my details to Credit Information Bureaus. I called them up to resolve this however they never followed up with me despite me regularly calling them. Just before submitting this, I called ICICI again however they never let me speak to the right person and said that I have to pay this amount. I never spent a single penny on my ICICI credit card from this 3000 Rs that they are charging me. Infact I never used my card since Jan'08. Please look into this.

Thanks and Regards,
Vikas Malhotra
[protected]

Hi,
My Name is vishal Agrawat i have sellaried account and i have credit card also of ICICI.

I have recharge my mobile using my credit card of 393 RS on 8 day's ago. But after 2 days of that transaction when my mobile not refiled than i have mailed them they told me please let us know after 5 day's we will credit your money to your account if your mobile didn't refile. After 5 day's when my mobile didn't refile i have mailed to ICICI again they mailed me today(After 3 Day's):
"Dear Customer,

As per the revert of the service request SR77436903 the payment has been processed successfully for PREPAID MOBILE RECHARGE on 21/08/2008 for the amount Rs 393.00. On the receipt of this request we have escalated this matter with the biller."

When i try to track this service request using my ICICI Internet banking Account this show me there is no open or closed request please enter correct Service request number.

I am smelling that ICICI trying to cheat me. I have also called ICICI customer care 5 to 6 times but after all verification the answer i got "Our all Customer care Executive are busy to handle other customers please call us after some time."

I didn't understand what should do now can i go to the Consumer court and file case?

Thanks

From: Parmanand
To: Meghana kaji
Sent: Tuesday, April 01, 2008 2:08 PM
Subject: Re: ICICI Bank Credit Card


Hi Meghana,

The Credit Card was closed as per my requests via email in July & August 04 months, The amount Rs 9500 which was not fair but offered by ICICI Bank to settle my AC.
The Payment made has been made by me and receipt no has been told to you during telecom which I had with you on 14 march 08.

These two receipts are very important and critical now because ICICI Bank services already made my life miserable. Some points which remember I would like to highlight you once again mentioned as under:-

1. unauthorized charges without any prealert charge debited on my credit card.

2. Auto Debit charges, bounce charges, late payment charges, interest charges added every month without my information.

3. Late receipts of statement inspite of regular follow-ups and requests.

4. Principle amount doubled by bank just after three months. Raf Actual purchasing vs payments made. I have paid more then principle amount till Dec 2005. When I requested to close the Credit Card collection agents started threatening me.

6. Rs 25348 deducted from my AC without my information and Cheques issued got bounced and all my supplier started threatening me and my children school life also got mess.

8. When I asked / enquired for the same The ICICI Bank dispatched first letter at my home and office address Letter no 144442 which was of back date but posted on 24.03.08 so as to safe guard Bank. These type of act has been repeated several time and I have several evidences for the same. The voice has been recorded by me which I will share you whenever I will meet you.

My request to release the Rs 25348 was not considered.

My request for the details of purchasing made by me from my credit card ac and all the payment receipts by ICICI Bank against my CC but not considered.

Record of the actual purchasing and payment made must be with ICICI bank, I requested ICICI BANK for these same details in 2004 but ICICI bank failed to submit the same to me. Once again I request you please please return my fund back to me.

Please note that ICICI Bank doesn't care about there customer and has no intensions to serve them.
Thanks for your support extended to me at all the time.

Regards
Parmanand

Dear Sir,

Kindly look my complet matter of communication that I have copied here and pls do the needful.

-----Original Message-----
From: Money Matters ([protected]@yahoo.co.in)
Date: Tuesday, August 12, 2008 04:39 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: mis-selling card prectise and fake promised by credit card dep. Dear Sir, I requested online out of the blinking option of my saving a/c menu and filled request form then some one called me and asked my documents that they will send someone to collect and the same thing happened. Now for getting personal sales target benifit executive may have show this under different categry but you check that I applied online - then recive call from other station- some one came to collect my doc.- I recived my credit card. If I might not applied from my saving a/c then them might have asked my income proff but it has not been asked so pls check it properly that I have applied as per told system and the telle caller and surat officer Mr. Dharmesh do promised me for Rs. 250 cash back and now if you change with your words, I think it is not ethical. If still you can not trust the client then I am really sorry I would not like to continue any relation with credit card dep. and will return as an when you say. Regards, Manoj Hetamsaira(Ph No.[protected]/[protected]
Minds are like parachutes, They only function when they are open!

--- On Mon, 11/8/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' mis-selling card prectise and fake promised by credit card dep.
To: "[protected]@yahoo.co.in" <[protected]@yahoo.co.in>
Date: Monday, 11 August, 2008, 7:59 PM

Dear Sir, For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com We inform you that the offer of cash back of Rs.250.00 was eligible for the customer who had applied online. As you have not applied online, due to which you have not received the cash back of Rs.250.00 For further assistance you may call our 24 hours customer care.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, Abdul KhaliqCustomer Service OfficerICICI 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: Money Matters ([protected]@yahoo.co.in)
Date: Saturday, August 09, 2008 08:17 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: mis-selling card prectise and fake promised by credit card dep. To, ICICI Bank - Credit Card dep. Dear Sir, Sub. - Not given scheme benefits that committed during sale of card. Ref. Credit card no. [protected] I here like to complaint you for my credit card that I purchased with your bank recently and has been sold me on the bases of only transactions and credibility of my ICICI saving A/c No.[protected]. At the time of selling card it has been told by your telecaller and was also fleshing in online saving a/c menu the offer of Rs 250 cash back on first Rs. 500 purchase and told by your Representative that it will get credited Rs 250 into your a/c as soon as your card will get active and then you can do shopping but it is not like that and now saying that we are not aware of such scheme and is not in your card. You do can check that on which income bases card issued to me and If it happens with such a big company and bank where I have 5 family a/c and all together today balance of more then 9 lakh Rs. If this will be the practise then who will trust the words of bank officers. You also understand that Rs. 250 is just a peanut but it is question of ethics and promise. Pls do the needful.

Regards,

Manoj Hetamsaria(Ph No.[protected]/[protected]
Minds are like parachutes, They only function when they are open!

Hi,

My ICICI Bank Account is debited with Rs.56 with description as Sign verification Charges.
when contacted with Customer Care, ICICI Bank officer said that these charges were charged from Chinchwad branch for loan application sign verification, Even though i have not applied for any loan with this Bank.
ICICI is doing this kind of Business with huge number of Customer base.
Just Imagine am one of such person with only Rs.56, but when this is done for as many lakhs then they are blinding earning 56 lakhs and showing profits.

This is my compliant against ICICI Bank Saving Account Department.
This bank should be penalised for this.

Regards
Sachin.