ICICI Bank Complaints & Reviews

I have taken a home loan of Rs.350000/- for 20 years tenure in floating interest rate. The Aggrement no: LBMUM[protected] Dtd. 15.04.03. The initial offer given was 7.75 interest rate. When the loan was accepted the interest rate fixed was 9.75with EMI Rs.3320/- per month for 20 years. After some months bank is lunch scheme to make the payment of 0.50% & reduce the rate of interest I am making payment for Rs. 1700/- in the month of September, 2004 but bank is increase the Rate of Interest on 07.02.2005 by 0.50% after one month increase by 0.50% 07.03.2005 after four month bank is again increase by 0.50% 07.08.2005, after nine month bank is increase by 0.50 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 at 10.5 & then increased to12.5% from 07/05/2007, & interest is increase 13.25% then 14% & reduce only 0.50 the tenure increased to the max. limit & EMI increased to 3684/- per month. Even after paying 66 EMI, the CL.Principal is found to be Rs.308738/-. The last tenure is found to be 07/03/2030 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 by the middle class people. Many times the bank was asked regarding the calculation for Tenure increasing & EMI increasing, but they are not providing. Now HOME loan rate of ICICI might have increased again, but they never intimate to the customer [Also note only one or two letter received from bank Increase rate of Interest]

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.If this type of activity doing by bank, so how to trust the Bank????

ICICI Bank Green Park Branch of New Delhi sent article vide speed post receipt no.ED[protected] IN to Mr.NARENDRA VISHWANATH KALE, on his official address as ''Central Bank of India, Br:Delhi Road (In front of Roadways Bus std.) Meerut, Pin 250002 o[censored]P.This article would have delivered within a period of 48 Hrs.But it is overdelayed & thus cause of lodging this complaint.Please let me know the present status of this article sent by speedpost.FROM:N.V.KALE.[protected].

Hi,
I took an ICICI car loan in december 2005 in Pune. In June 2007 i moved to delhi from pune, however, left my car behind. I also gave the responsibility of payment of EMI to my tenants in Pune as part of the rent.

At the same time, I changed my correspondence address with ICICI bank. My cell phone numbers remained unchanged. In mid 2008 i moved to Mumbai and started using the same car. One day i was stopped on the road by ICICI agents and told that I had an outstanding of 12 months.

I didnt believe them since the bank had not even got in touch with me even once in the last 12 months, however, the agents were rude and forced me to surrender my car, promising me that if I made the payment the car would be returned within a week.

I was ready to make the outstanding payments the very next day, however, I was made to wait by an ICICI Car loans manager. After two weeks I got to know that my car was sold off.

I felt completely cheated. Firstly I was not informed, through post or email or phone about any outstanding payments even once. Secondly, I was forced to surrender my car with the promise that I would get it back once i made the payments. Then i was stopped from making a payment by the manager of ICICI till i found out that my car was sold off.

This is absolute unfair treatment meted out to a consumer by the bank. Such high handedness needs to be dealt with or esle we consumers will lose faith in all banks.

Regards,
suhail

My card no - 000 has been blocked by icici bank.
I was telephony called by your local branch today for the payment but they have not provided any solution to my issue which is pending from jan2008.
Cheque deposited on 9jan 2008 of 16660 was not credited from your side till 19 jan2008.
new cheque collected by your excutive from me on 19 jan 2008. saying that previous cheque got lost.
both cheques presented to my bank on 23 jan and out of one got bounced.
My bank charged me 480 for that and my credibilty got harmed.
Your bank is charging lpc and other charges since then on my bill.
i am paying all my current usage since then leaving the charges.
Ihad already reported this to your customer care on telephone but nothing has been yet.
Since one year has been passed, thus i have stopped all my payments to your bank.
I want you to look into matter and waive all these charges and issue me new bill waiving all back dated charges with tax since jan 2008.
So that i can make payments to your bank and continue with services of your card

i am credit card holder but i am not receiving credit card statement last 2 months

From:
Mr.Shailendra.L. Agarwal & Mrs.Pallavi Agarwal
E-Mail: [protected]@hotmail.com.

To, Date: 03/02/2009
The Manager / In charge,
ICICI Securities,
ICICI Direct,

ICICI Demat,

On Line Trading A/c: [protected]

Subject: Suspension of Above Mentioned On Line Trading A/c.

Sir/ Madam,

1) I am holding the above mentioned 3 in 1 A/c from a very long time. I had initially submitted all required papers with the all forms duly completed at the time of opening the said Account.



2) After that I had received communication from ICICI Direct, some time in December - 2006 regarding floods in Mumbai and all submitted documents & Forms being destroyed. Hence I once again on 5/1/2007 resubmitted all required Forms & Documents to Mr. Nilesh Baste (Mobile No: [protected].) (I have acknowledgement of Mr.Nilesh Baste on Xerox of the said Form.)



3) My Demat A/c was suspended on 14/1/07. When we spoke to customer care we were told to approach ICICI Bank, Bund Garden Road Branch and clarify the same from there. We approached the Bank on 15/1/07 and met the lady at Table no: 9, and also Mr.Parag. We were once again told to submit a new Pan Updation form with Xerox of Pan Cards self attested. I submitted my Pan Updation form to ICICI Bank Bund Garden Road Branch on 16/1/2007. (For which I have acknowledgement.)



4) On 23/02/2007 I received a letter from ICICI Direct regarding possible Suspension of my above mentioned On Line Trading A/c for want of Submission of my Form, which I had already submitted as mentioned above. Again I had to run from Pillar to post to various ICICI Bank & Direct Offices to get the same cleared. Some of the details as follows:

i) Spoke to Mr.Anand at Customer Care (Tel No:[protected] on 9/3/07 at 12 noon

Ref No: (SR 19792969.)

ii) Spoke to Aparna at ICICI Direct Office on 23/3/07 at 10.45 am. Gave her details

that form was already submitted to Mr. Nilesh Baste. Contacted Mr.Nilesh Baste

in her presence and got it confirmed to her that the said form was already

submitted by him to the concerned Department.



5) Again in September 2007, my Demat Ac was suspended again for want of Pan Cards Updation. The same was submitted by me on 20/9/07 at ICICI Bank Bund Garden Road Branch.



6) Now I had not accessed my Ac from last month or so. On 2/2/09, when I accessed my On line Trading Ac the same was locked. I got the following message on my screen: (This facility is not enabled for you, contact 24 hours customer care.) I immediately contacted Customer Care - Mr. Sumesh Nair (Complaint No: SR[protected], I was directed by Sumesh to Demat desk at ICICI Bank, Bund Garden Road Branch. On 2/2/09 evening I approached Demat desk at ICICI Bank, Bund Garden Road Branch and met Mr.Ganesh –counter no: 9. He told that the On Line trading Ac was suspended by ICICI Direct and that he could not do any thing, and so I had to approach ICICI Direct Office at Mantri House, FC Road next day.

On 3/2/09 at 10.30am I approached ICICI Direct Office, and met Ashwini at the office. She checked details on the computer and after consultation with Jyoti and Mr.Ankit Shah on phone informed me that the Ac had been suspended due to non submission of Ac Form. (Which I had already submitted on 5/1/07.) Then I spoke to Mr. Ankit Shah on phone from the office, and asked him to restart the Ac as I had already submitted the form and had shown Ashwini the acknowledgement of the said form. I also informed him that if they wanted I would resubmit the form, but till then restart the said Ac immediately as I wanted to do some transaction on the said Ac, but to no avail. Mr. Ankit Shah told me that he could not help me in this respect, but he would see that I would fill the form and submit it by tomorrow so that the Ac could be restarted. I asked Mr.Ankit Shah for Contact No’s of Regional Mumbai Office so that I could speak there directly to persons in charge so that I could see about restarting my Ac, but Mr. Ankit refused saying that he is not authorised to give the nos.



7) On 3/3/09 evening Mr. Ankit Shah send Mr. Amol Deshmukh (Mobile No: [protected]) and he got the form filled and took the required papers from me. (Self attested Address proof –BSNL Bill & election cards, Pan Card of My self and my Wife who is joint holder in my 3 in 1 Ac)

I have acknowledgement from Mr.Amol on the above mentioned forms.)



I wish to bring to your notice that I have submitted papers at various times still my On Line Ac / Demat Ac tends to be locked / suspended regularly. Who is to be held responsible for the same? If I incur loss due to the said suspension who should be held responsible.



I ask the persons in charge of ICICI Securities/Direct/Demat to look into the matter and see that my Ac is restarted with immediate effect, and to fix responsibility for the above mentioned problems.



From

Mr.Shailendra.L.Agarwal Mrs.Pallavi.S.Agarwal.

Sir/Madam,


Subject:- wrong credit card no [protected]

Today I have received a Credit Card Statement (card no [protected]) In wich name and address is correct but not amount. Because I am not the owner of credit card no [protected]. Try to contact customer care but without the pin no unable to talk to customer care. ON the 29/1/2009 I have made the request to changed the address of credit card no [protected] for the same address but your call center representative updated the address of credit card no [protected] and release the statement. I have never received credit card no [protected] then how can you issue the statemetent regarding this no.

You are request to resolve the all proble regarding my address. I have been facing a lot since 21 march 2007 when you issue a credit card for me card no [protected] .

Below all the details has been mentioned.

Regards

Rajesh Kumar

Phone no [protected]
--- On Wed, 2/4/09, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Fw: RE: Credit Card ID
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Wednesday, February 4, 2009, 5:37 PM
Dear Mr. Kumar,

With reference to our telephonic conversation and confirmation received, we have replaced your credit card.

You will receive the card within 7 working days.

Looking forward to your co-operation in helping us serve you better.
Sincerely,

Shakeela Banu Shaik
Customer Service Officer
ICICI Bank Limited


-----Original Message-----
From: rajesh kumar ([protected]@yahoo.com)
Date: Wednesday, February 04, 2009 02:26 PM
To: ICICI BANK (customer.[protected]@icicibank.com)
Subject: Fw: RE: Fw: RE: Credit Card ID

Sir/Madam,

Still weating for my Credit Card (No.[protected]). I have made the request on 29th january 2009 to block the Credit Card and re-issue it because I have lost my purse but not received yet. At the same day I made the request for Debit Card and I got today.

You are requested to do the process fast in releasing my CC.

Regards

Rajesh Kumar
Ph [protected]

--- On Tue, 2/3/09, rajesh kumar <[protected]@yahoo.com> wrote:
From: rajesh kumar <[protected]@yahoo.com>
Subject: Fw: RE:'ICICICARE=[protected]' Fw: RE: Credit Card ID
To: "ICICI BANK" <customer.[protected]@icicibank.com>
Date: Tuesday, February 3, 2009, 6:22 PM
-- On Tue, 2/3/09, rajesh kumar <[protected]@yahoo.com> wrote:
From: rajesh kumar <[protected]@yahoo.com>
Subject: RE:'ICICICARE=[protected]' Fw: RE: Credit Card ID
To: "Infinity Account Manager" <[protected]@icicibank.com>
Date: Tuesday, February 3, 2009, 5:33 PM
Dear Sir,

On 29 jan I have made request for address change by 24 hour telephonic service. Sorry to say they are unable to process my address. I had also tryed by Internet banking but option is not coming there It prompt that card is not linked please choose the card why I do not know. My ID is C6427729 which has been provided by you. Know you can give be the next suggetion What should I do?

Thanks for you service and reply.


Regards

Rajesh Kumar
--- On Tue, 2/3/09, Infinity Account Manager <[protected]@icicibank.com> wrote:
From: Infinity Account Manager <[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Fw: RE: Credit Card ID
To: "rajesh kumar" <[protected]@yahoo.com>
Date: Tuesday, February 3, 2009, 5:08 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 regret our inability to process your request for address change through email due to security reasons.

You may change the address online. Please follow these steps:

Logon to www.icicibank.com with your User ID and Password. Click on 'Cards' Click on 'Other Request'(Under Service Request) Click on 'Request for Address Change'.

Alternatively, you may contact our 24-hour Customer Care for the address change.

Please click on this link to get the Customer Care contact numbers:
http://www.icicibank.com/pfsuser/customer/cuscarenos.htm
We inform that we have received the payment on your credit card account .
15/12/2008 RAJESH KUMAR, VisaMoneyTXFR 112.00CR
Sincerely,

Vijay Shankar
Customer Service Officer
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.
-----Original Message-----
From: rajesh kumar ([protected]@yahoo.com)
Date: Tuesday, February 03, 2009 03:08 PM
To: MIT Cards ([protected]@icicibank.com)
Subject: Fw: RE: Credit Card ID


To Whom It May Concern:
I have lost my Credit Card (No.[protected]) on 29th Jan. 2009 . At the same time I call to the customer care and Request for card block. Call centre executive block the card and made a request for re-issuing the card. But at the time of address verification they found that address was not matching with my correspondence address. By this credit card I have bought TataSky thru EMI and made the payment of three installments one is case and another 2 is thru account transfer. I have received my all statement on my office address C 6/13 Vasant Vihar New Delhi-110057. Details mentioned below.
Payment list :


S. No. Biller Name Payment
Date Payment
Amount Status
1 VISA MONEY TRANSFER 15/12/2008 132.22 Success
2 VISA MONEY TRANSFER 14/10/2008 861.09 Success
3 VISA MONEY TRANSFER 19/09/2008 861.09 Success
19/09/2008 19/09/2008 BIL/[protected]/VISA#TataSky 2nd pay/ICICI BANK 861.09
14/10/2008 14/10/2008 BIL/[protected]/VISA#3rd Payment of/ICICI BANK 861.09
15/12/2008 15/12/2008 BIL/[protected]/VISA#tata sky/ICICI BANK 132.22

Dear Sir,

Sub:- Credit card compplaint

On dec-07-2007 one person Mr Sahil Khan came to me at my office Sitaram silk mills ltd trade world b wing 5 th floor kamala city lowerparel west mumbai 400013 . he gave me settlement letter of credit card having no [protected] full and final amt is 25000/- two due date one is[protected] for 12500/- and other is 12500/- on dec31-2007. i made payment by chq on time so yet icici banhk credit card outstanding is 19000/- so i apply loan for home to gic bank gic shows me cibil report it shows your out is 19000/- then why you said your account is closed so i contant 35 times to icici bank help no 28307777 he said you cont there i will not adjust any point so i contact to that person he said you come heree then i ask him why they are not connecetd to my account is not cloaes he did not given no due certificate so i frusted please advised and take capa and adv on my mail my tel no is[protected] ext 526


Thanks & best Regards


sanjay patil

Dear sir,

This is with regard to loan taken by me against my ICICI Bank Credit Card No. xxxx xxxx xx99 9005.
I took personal loan on oct, 2005 during Diwali festival offer, that time there was an offer that you would provide 40 gms silver on this loan offer.

I have not received any silver coins, I have lodged complaints regarding the same with the customer care
by calling and through mail, for your reference the complaint no.SR54961091.
But till now neither I have received any silver nor my problem is solved my issue.


By this I was compelled to write a mail to you. .


Kindly do the needful.

Dear sir i have been taken personal loan fromm icici bank sum of rs 50, 000 i m not able to pay my emi amount due to the lost my job i have made the one emi only. fast two yeas over m not get any job once i get the job i defnetly m paying my emi .i reqwesting the icici bank plz wait for sum months plz.my loan no is Libng[protected].this my loan no m taken from loan Bangalore city .I LOSS MY JOB SO unebebe to pay my emi amont plzzzz rite now m in sudi arabia m serching for job once i get the job defnetly m paying my emi amount.

Not giving NOC
I have taken the two wheeler loan from ICICI bank my loan no LTHNR[protected]
I have paid all instalments. Iam praying god to get the NOC from ICICI bank.

My loan got cleared on 1 YEAR,


THANKS

WARM

Vishnubhai M. Patel
At :- Surajpura
Post:- Gambhoi
Taluka :- Himatnagar
Dist:- Sabarkantha
Pin :-383030

Respected Sir / Madom
Im a coustamer o[censored]nion bank, im having a account in UBI Azamgarh Branch in UtterPredesh . acc no [protected] . presently im working in Ahammadnagar in Maharasthra . On[protected] night I tried to withdraw a amount of Rs 500 from the ICICI bank Atm located at Premdan Chowk near Hotel Premdan during the withdrawal the Atm showed transaction on process . Suddenly the Atm again showed unable to process . Then i tried from the nearestHDFC Atm & i withdraw a amount of Rs 600 from my UBI account, the balance sheet showed that Rs 1100 less from the account, suddenly i checked mini statement from UBI atm in Savedi Branch in the same place . That shows that Rs 500 is didected from the account while using ICICI Atm .
the next day i made a complaint in boath Ubi & ICICI in Ahammadnagar, i did' t get any possitive response from the UBI personnals, then i contacted coustemer care o[censored]BI. They only replayed me to send an complaint to ATM section in detail ..
Sir im requesting to u Please consider my complaint and make favourable acton to re back the amount ..
yours faithfully
my cont no [protected] Sujeesh s
my acc no is [protected]
Azamgarh UP

I am A.Sai Kumar, my salary is only 4677/- working for BPO Genisys, Bangalore. Due to my Salary A/c.
in ICICI i was issued a Credit Card No:[protected]-061, limit is 10000/-. Due to some unavoidable circumstances my limit was crossed. i.e. 11000/-, and after paying the minimum amount
with my less salary today my total amount is 23000/-.
Last one month back the bank has blocked my Salary A/c. showing minus 23000/-. Immediately i went to the Collecting Department at Bommanahalli, Bangalore. and met Mr. Zaheer, Manager. after lot of dissucission for 3 days he aggreed that the bank has accepted for payment of 14000/- in three instalments i.e 5000/-, 5000/- &4000/- and collected 3 cheaques. First cheaque was cleared and i got a message stating my balance amount has to be paid 19000/-. immediately i approched Mr.zaheer Collection Manager. explained me that i will be given the settelment letter, after approaching him on telephone and meeting him many times he told no such settlement letter will be given and GET OUT.

I immediately stopped the remaning Cheaques payment.

What should i do, i think again the bank will stop Salary A/c.
again i should go to this Zaheer. pl. do the need ful and help me pl. i am ready to pay the remaing 9000/- which is aggreed .

Thank you

Sai kumar

ICICI Bank has deducted Rs.843.00 without informing what kind of these taxes are!!!

QABChgs, Oct-Dec08+ST93

Such a bad org who just put charges without informing !!!

Dear sir / madam,
Pl. note that my current billing address is on company name "Graphite India Ltd. C-7, MIDC Ambad, Nasik-422010" but the statement of my credit card was not getting in due date time & I have facing the problems to make the payment through cheque within due date.
You are requested to please change my billing address for ICICI Credit card No. [protected] to my residence address as follows :
Nilkanth Lotu Patil
"VISHU", 1, Prathamesh Park-C,
Anandvan Coloney, Behind Rameshwar Nagar,
Near Shubham Park, Kamathwade,
Nasik - 422010

Pl. do the needful in this regards so that I can get your credit card statement in time.

Regards,

N L Patil
Cell : [protected]

My credit card no.[protected][old] and [protected][new] and I have disappointed and
regreted about repeated payment for which amount paid of Rs.11, 693/-on 10/12/2008 and another payment for Rs.33, 333/- throgh cheque no.905778 of canara bank dt.3/1/2009 thus total Rs.45026/-I have received a latest statement dt.19/1/2009 asking me to pay amount of Rs.44620/- immediately.Pl carify and tell which is the require payment to you and send correct statement soon.
thanks prathap reddy

Hi, A personal Loan offer was reflecting in my ICICI Savings account & even many executives from the bank were contacting me for the same to apply. One bad day when I was really In need of money I have applied for it. I have submitted all the documents they asked me for & I have recieved all stupid phone calls & aerogant executives who came to my office & recidence for verification purpose. After two days when I called customer care to know the status of the loan, they said " the bank has withdrawn the offer from my account, so they cant sanction my loan!!!" I was not feeling sad if the rejection happened because of me & my eligibility criteria. It happened because the bank withdraw the offer when customer submitted everything & undergone all the verification process!!. For the loan purpose I Have submitted many documents including few original copies, now they r not giving my original documents back saying " bank policies" . It sounds quite aerogant, they took my documents(original) & they r not giving me back... I dont know who has made these kind of policies which hurts customers...


I HATE ICICI...Im waiting to C the bank in a deep crisis & all their property set for an auction!!! I would rather spend all my property and buy atleast one asset of the bank in auction.

Name: Rahul Kapoor
Product: Loan Account
Account No: LPDEL[protected]
E-mail address: raul.[protected]@gmail.com
Mobile no: [protected]
Details of complaint:

I have a loan account with ICICI Bank for which a payment was due on the 5th of Dec 2008. I made a deposit of Rs 10000, to my HDFC bank account for an ECS payment due for ICICI (EMI of Rs. 6018) however, the ECS had already gone through in the morning before I made the deposit. Unfortunately, I did not have the funds in the bank early in the morning at the time of the ECS going through and had to incur returned check charges. The documentation for ICICI bank does not mention that the ECS will not be tried again in the day. My understanding was that the ICICI bank will still transact the payment later in the day which is usually what any bank would do. I did not receive any notification from ICICI that the payment did not clear, but when I checked my HDFC account again, the money was still there.

I called up ICICI Bank after two days and asked them about this, they told me the payments are not sent back to the bank if not cleared in one go. I asked them how to make the payment and I was asked to go to a loan office and make the deposit which I did on the 6th of January - 2009 (receipt number - O-[protected]) including the extra charges required to be paid. The total payment was around Rs 6440.00 The ICICI Bank had told me they would not transact the ECS again as the payment was made in cash and the January ECS 5th of Jan - 09 had also cleared. For me that was the end of the story here.

However, on the 17th of January - 2009 I received a notification that another payment of the same amount, Rs. 6108 was presented to my bank for the December payment, when there was nothing due on the account. Since this payment was not due I did not keep the funds in the account, the previous pending amount had been paid in cash, I called ICICI Bank up but to no avail. The bank acknowledges that the payment was incorrectly put to the HDFC bank, but has no ways to rectify the returned charges put by HDFC on my account. This incorrect transaction and an additional bounced check charge can'not be removed by them. I sent them an email to get a confirmation, stating that the ECS transaction on 17th Jan - 09 was incorrectly sent to my bank for transacting. However after repeated followups they have not been able to take care of the request.

I would like to register a complaint against the fellows at ICICI Bank for ridiclous customer service. It seems they do not demonstrate any fear for any governing body which can take action against them.

i am holding credit card o icici bank no [protected] somebody had send a request to change of ad ress but on verification i refused of such a request now my card is blocked from last 3 months no body is entataing me at the costmer care kindy do the needful