[protected][protected][protected]------
From: DEEPAK KADIAN (DEL)
Sent: Tuesday, February 26, 2008 1:58 PM
To: 'ICICI Bank Customer Care'; 'jitendra.[protected]@icicibank.com'; 'krishna.[protected]@icicibank.com'; 'anil.[protected]@icicibank.com'; 'harshil.[protected]@icicibank.com'
Cc: '[protected]@icicibank.com'
Subject: RE: 'ICICICARE=[protected]' Big concern about personal loan
Importance: High
Hi,
Today, third time I got SMS that “Application for personal loan has been approved Ref. no. is 59368383” now ref. no. is changed so what should I understand old ref. no. were only for customer satisfaction or to make fool that something is going on.
How many yearssssssssssssssssssssssss require for such a small amount loan. Could I expect any revert from respective senior persons. I m following since around 2 months.
Will somebody help me!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Regards,
[protected]-------
Deepak Kumar Kadian
+91-[protected]
[protected][protected][protected][protected]
From: DEEPAK KADIAN (DEL)
Sent: Monday, February 25, 2008 5:08 PM
To: 'ICICI Bank Customer Care'; 'jitendra.[protected]@icicibank.com'; 'krishna.[protected]@icicibank.com'; 'anil.[protected]@icicibank.com'
Cc: '[protected]@icicibank.com'
Subject: RE: 'ICICICARE=[protected]' Big concern about personal loan
Importance: High
Dear all,
I am really mentally harassed by DSA & Pitampura Branch ICICI persons. Again they changed their commitments that they would be able to provide the loan amount of rupees 1 lakh in 12 EMI’s instead of 1.5 lakhs in 12 months EMI.
But as per urgent requirement I agreed to take 1 lakh on a condition that if provide the same as earliest means up to today only and again the time is extended by them. Some body called me & saying now your file is disbursing, the amount will be transfer after two days.
I am really in trouble situation, no body helping me out in case. Some of calling from ICICI & assuring that solution will be provided very soon. But still everything is same only the harassment - that why I applied for a loan in ICICI bank!!!!!!!
Regards,
[protected]-------
Deepak Kumar Kadian
+91-[protected]
[protected][protected][protected][protected]
From: DEEPAK KADIAN (DEL)
Sent: Friday, February 22, 2008 1:17 PM
To: 'ICICI Bank Customer Care'
Subject: RE: 'ICICICARE=[protected]' Big concern about personal loan
Dear Krupa,
Actually I want to update one information with you that I am working with IBM and my client site is Vodafone mobile communication Ltd. That means from morning to evening I am available in strong network site and if any calls not getting through I always got MCA (miss call alert) for the same, that I don’t had.
Anyway yesterday I again got SMS from ICICI that “Application for personal loan has been approved Ref. no. is 59065544” so there is only fake SMS alert, DSA’s miss communication, no coordination through bank, no loan amount all the things going against the requirement.
What I was expecting from you that at least solution will be provided very soon but here it is mentioned that “We will revert to you by February 25, 2008” it clear means only revert no solution.
It is very bad experience with ICICI that I am suffering a lot. Pleaseeeeeeeeeeee help me only to know that next escalation step in ICICI because at this level no one is helping me out.
Plssssssssssssss help !!!!!!!!!1
Regards,
[protected]-------
Deepak Kumar Kadian
+91-[protected]
[protected][protected][protected][protected]
From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Thursday, February 21, 2008 2:23 PM
To: DEEPAK KADIAN (DEL)
Subject: RE:'ICICICARE=[protected]' Big concern about personal loan
For quicker resolution of your request/query, please write to us through the "E-mail Us" option. This option is available on the first page at our website, www.icicibank.com, under "Reach Us".".
Dear Mr, Kadian,
We tried calling on your mobile [protected] number, however you were not reachable.
We have made note for your request for the Personal Loan and your service request number is SR56795147.
We will revert to you by February 25, 2008.
Sincerely,
Krupa Mehta
Customer Service Officer
ICICI Bank Limited
You may write to us at www.icicibank.com using the " E-mail Us " option, For details, click on https://infinity.icicibank.co.in/web/emailus/jsp/emailUs.jsp
ICICI Bank introduces Mobile Banking for Loan Customers. Now ask for your loan documents via your mobile phone. For details, click on http://www.icicibank.com/Pfsuser/channels/mobile/loanalerts.html
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.
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Subject: Big concern about personal loan
Dear sir/madam,
I here by inform to you that I am suffering a lot due to non co-operation of ICICI bank & rude behavior of DSA Please let us know my problem in brief:-
Around a one & half month back I got a call from Ms. Gurlin (telecaller in DSA, Credit alliance, Janak puri, New delhi) and asked me to take the personal loan @13.5% ( but it was also changed to 14% at the end after insisting) reducing rate and after two days all the documents were collected from me. She assured me to provide the loan within week & introduced herself as ICICI bank executive. After many follow ups she again asked me to collect my current month salary slip and again same was provided.
On 8th Feb, 08 at 0950 hrs, I got an SMS from ICICI bank that “Application for personal loan has been approved Ref. no. is 59065544” and then I asked to Gurlin that my loan is approved please tell me that how long it will take she realized me that with in two working days it will happened but PDC cheques and MID form require, same day it was collected and provided by me.
Cheque Details : PDC cheque no. = 102827 to 102838 and clearance date 05 march of every month.
After so many calls to DSA, they were now trying to ignore me then I called up ICICI Cust. Care with complaint no. SR55508313 but no action taken on the problem & SR was completed. And parallel I had lost my relations due to money with my relatives because I assured to give the amount very urgently after loan taken but really I was not aware it will take a very long time even after my company IBM in cat. and everything was perfect. After some days I again call up ICICI Cust. Care and asked about previous (SR [protected] & I was surprised after knowing that without any action it was complete. Again they logged a complaint SR 56514272 but now I don’t have much believe in bank & DSA due to this.
And I got some information that my file is handled by Mr. Yashir Rehman ([protected]) in Pitampura Branch so I had had a discussion with but no help was provided by him & clearly denied to elaborate the things.
My first EMI is about to go after 13 days and I don’t get my amount till now. I am mentally suffering a lot.
Here DSA is about to making a bad image of ICICI bank in customer’s point of view. Please assist me in about the issue.
I want an urgent reply, please revert asap. Waiting for your affirmative response.
Regards,
[protected]-------
Deepak Kumar Kadian
+91-[protected]
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Aug 13, 2020
Complaint marked as Resolved
Dear Sir,
I hope you read this email and take some immediate action.
I am writing on behalf on my Husband Mr. Shams Ahmad Asghar Aii Parvaz his account details are mentioned in below mail.. I have been helping him in trading in his account since last month since he is a frequent traveller i have been following the query of wrong debit of an amount of Rs. Rs. 428,283.34 from our account.
My husband having ICICI Demat A/c no : 34180657 and savings a/c no :[protected] and ICICIDirect Account number [protected] have been following up with you ICICI Direct people from last 15 days when we found the difference in our net worth due to wrong debit from our account without making any transactions.
We would like to summarize the complete issue of last 15 days . It all started on Feb 27th morning at 9.0 am. When we checked our portfolio on 26th evening after trading hours it showed limit positive Rs. 200,000 and Net Worth Rs. 86,50,000/- . All of a sudden on 27th morning before trading hours the limit reduced to - 2,50,000/- ( negative Rs Two Lakh and Fifty Thousand ). We reported the matter to the customer service on the same day but without any results. We have come across Mr. Haresh - ICICI branch at Shoppers Stop, Ms. Meenakshi- ICICI Borivali, Mr. Balchandra Nayak ICICI Borivali, Ms. Amarpreet - Andheri (E) AKruti and now MR. Bidhu - New Bombay. Now Mr. Bidhu is unwell and we are talking to Mr. Brajesh.No work on SR nos are generated.result is zero.
We have always received weird replies fom your customer service who without taking the efforts have just reported that everything is fine. Also we have an email from Mr. Bidhu stating we found that there are no cash / share Pay out pending for your ICICIDirect Account number [protected] and the problem remained unsolved.We kept repeating that the reconciliation statement shows a difference please check there is some error but he refused to reconcile saying it was not his job.
Later we ourselves checked each and every trade transaction in conjunction with the bank statement and found the followingof the
trade for 21st FEb TRansaction[protected] and 2008038
21-Feb-2008 VIJSHA Buy 200 94.90 18,980.00 183.[protected]B[protected] Rolling IN[protected] BSE
21-Feb-2008 SUNPHA Buy 67 1,077.20 72,172.40 698.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 STABAN Buy 100 2,159.49 215,948.80 2,089.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 SANIND Buy 500 38.05 19,025.00 184.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 HUGTEL Buy 5000 35.80 179,000.00 1,732.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 STABAN Buy 50 2,142.90 107,145.00 1,036.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 JKCORP Buy 400 137.51 55,005.00 532.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 SANIND Buy 500 38.45 19,225.00 186.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 CELFAS Buy 500 48.30 24,150.00 233.[protected]N[protected] TT IN[protected] NSE
Total (710,651.20) 6,877.15
transaction
2008038 sell 0.00
dt 28th feb buy 691,671.20
brokerage 6,693.46
settlement dr-698,364.66
instead debitted 798748.58+303516.34+24383.74=Rs.1126648.66. In transaction 2008038 amount of Rs. 428,283.34 debitted extra on Feb 22,2008 from our bank account.
TRansaction[protected]
buy 18,980.00
brokerage 183.69
settlement -19,163.69
TRansaction[protected] was ok
We have saved the trade history on March 12 , 2008 and also March 13 , 2008. we have found error in the same.
I have attached herewith the working sheet , in which ICICI has taken an unjustified amount of 7850/- from our account , I have given the workings along with the settlement numbers
Macro Reconciliation from start till 31st january 2008
Total Amount Deposited 10011000
Add : Brokerage Refund: 85541.54
Less : Trade Book Debits 100496.80
Less : Brokerage Debited 388258.72
Less : Settlement nos
2008023 and 022 1393863
Less : Debit card fee 111
Closing Bank balance as
on 31/01/08 213813.54
205962.61 is shown in the bank account so theres a difference of 7850/-
Macro Reconciliation from start till 31st dec 2007
Total Amount Deposited 10011000
Less : Trade Book Debits 6884219.15
Less : Brokerage Debited 178702
Less : Debit card fee 111
Pict
Closing Bank balance as
on 31/01/08 2947968
2940079 is shown in the bank account so theres a continuing difference of 7889/-
There seems to be a problem in the month of november
1 SB6050955 16/11/2007 16/11/2007 EBA/NSE N 2007219/[protected] Dr 1,792.10
: - this debit in the bank account is not justified settlement number 219
2 SB8353639 21/11/2007 21/11/2007 EBA/NSE N 2007222/[protected] Dr 6,048.00
: - this debit in the bank account is not justified settlement number 222
7840
Mam I don’t understand these two debits , it seems to be a mistake by ICICI
Query from start till 31/01/2008 solved , Difference is of Rs 7840 /- and the settlement numbers are 219 and 222
with differences of Rs 1792 and 6048 respectively
Thus we have sent you by email the complete working of the same.
Later in the evening as per our telecon on mobile with Mr. Prajesh it has been informed to us on March 14th at 7.25 pm that from Feb 14th 2008 there has been a system error / technical flaws for Online Demat account due to technical problem. This has been informed to Mr. Prajesh verbally by the operations team. He has promised that he can give the same in writing to us.Due to your system error our account has been extra debitted.Also regarding the difference amount the same will be credtted to our account once it is confirmed by your office.
It is highly irresponsible for a big bank like ICICI where lakhs of people are doing online trading not to inform the customer of their systems technical problems,
Secondly you have refuted our claims and have always tried to defend that everything is ok without going to the depth of the problem and arguing on wrong basis and not trying to understand the clients grievances.
Trade history has been changed or datas recorded wrongly have been rectified. we have docmentary evidence of all what we are claiming.
Best Regards
Nilofer