ICICI Bank Complaints & Reviews

Dear Sir,
I had posted a very important document my bank cheqe book send by IMS Speed Post on 25th Feb'09 Mumbai from Ghaziabad. Unfortunately it has not reched the destined location and to add to my woes it seems to be non tracable even my the India Speed Post Mangers both in Mumbai and Ghaziabad. My Tracking number is ED91216303IN .
Really don't know waht to do next.
Please help if possible.
Thanks and regards.
Munesh Kumar
514/1, sanjay colony, Arthala
P.O-Mohan Nagar
Dist.-Ghaziabad (UP)
Pin-201007

Hi All

Hello All,

My name is Jitendra shakya . ICICI bank has cheated me and take out my money of around Rs. 27500 without any information. Since 5 years back ICICI has issues a credit card to me since then till date even 1 time also I didnt used that card once and I didn't apply and received . Now since an 15 days back they have first blocked amount from my saving account and deducted .When I eqnuired them they said that they alloted a second card to me which I never ever applied. Immediately I have called them more than 50 times to their call center and every timg they use the disconnect after saying its dispute transaction, WHen I called to customer they forward my call to other concrn officer that officer forward to other concrn office I talked to 5/6 concern office and spent around 1 hour at telephone . I have visited to their center also but ICICI people didnt ever gave any good reponsive reply.

ICICI people has never even lookinto that mistake which they have done. Now the ICICI peole have blocked the Amout of 35000 including ineterest from my saving Account without giving me any sort of Notice or calling me also. Now yesterday they have even withdrawn that amount also without informing me. I have always maintained good balance in my account, if I want to cheat why I will mailtain balance. Guys plz all help me out in the fight againts I am doing of ICICI. I need all your co-operation and help. I am filing a case against to them

Jitendra Kumar SHakya
Mob [protected]
Email :[protected]@rediff.com

Dear Sir,
I would like to inform you that I am Saving account holder of ICICI bank.Without my knowledge Rs.14485.46 transfered from my account to Lean Account. Many time I called to ICICI customer care dept. but no body was going to book my complaint. After that On 16th of Feb-09 I went to ICICI Bank, SD tower Rohini-sec-8, Delhi. I spend one day but Result was "Zero" After that I made a complaint (Letter attached) to Ms Harsil Mehta and Harsil Mehta told me "I am not able to short out your problem. this is related to ICICI lombard. Then on 21st of Feb.09 I went to ICICI lombard, Birla Tower, Connaught Place, New Delhi. When I reached their.Sr. Officers (ICICI lombard) not interested to meet me. Then again result was "Zero" . Any How I received Reference No. 97601723
Sir ! I have not received any credit card ([protected])or Health policy(4034/FPS/01758286/00/000) of ICICI lombard. I have another credit card ([protected] & [protected]) of ICICI Bank which is maintaining properly.

Today I received a mail. Attached below.

--- On Thu, 2/26/09, Head Service Quality <[protected]@icicibank.com> wrote:
> From: Head Service Quality <[protected]@icicibank.com>
> Subject: RE:'ICICICARE=[protected]' ICICI BANK CREDIT CARD.
> To: "[protected]@yahoo.com" <[protected]@yahoo.com>
> Date: Thursday, February 26, 2009, 12:05 AM
> Dear Mr. Singh,
>
We refer to our earlier e-mail of February 20, 2009
> regarding your ICICI Bank Credit Card.
>
> We have reversed the financial charges levied on your
> credit card number 4076 xxxx xxxx 9009.
>
> 25/02/2009 INTEREST CHARGE REVERSAL 1482.65CR
>
> 25/02/2009 LATE PAYMENT CHARGE REVERSAL 3300.00CR
> 25/02/2009 OVERLIMIT CHARGE REVERSAL 2000.00CR
> 25/02/2009 Service tax reversal 183.26CR
> 25/02/2009 Service tax reversal 407.88CR
> 25/02/2009 Service tax reversal 247.20CR
>
> The credit of reversals will reflect in your subsequent
> statement.
>
> We will write to you with the status of policy amount refund by March 4, 2009.
>
> Sincerely,
>
> Anuradha
> Office of Head Service Quality
>
> 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."

============================================================================


Date-18th Feb, 2008
Ms. Harshil Mehta (Chief Quality Officer)
Sub :- Rs.14481.46 transfer from my saving a/c to Lean A/c
Hi Mem,
My name is Ranjeet Kumar Singh. My Salary SA A/c No.[protected] in ICICI Bank (Gurgaon) Haryana.
R/o – 10/9, Shiv puri, Behind Harish Bakery, Gurgaon, Haryana-122001. I have one Credit Card No. [protected] and one addon credit card no. [protected] by name of my wife Savita Singh.
On Saturday dt.14.02.2009 I went to ATM to withdraw money. I shocked when I saw ATM mini statement. Approx Rs. 14500/- transferred. Immediately I talked to Customer Care dept. (No.[protected].) One lady taken total information related this problem then she gave me some information which is as follows.
She told me “You already taken one Health policy from ICICI Prudential in Feb-2007 against this Credit Card No. [protected].”
Then I told her “I never received any health policy in Feb-2008, and I don’t have any credit card which no is [protected].” Then again CCE (Customer Care Executive) told me, you have to call ICICI Lombard and that people can help you out. Or you can talk to Jitender Chabra, who is manager in collection dept. add is ICICI bank, SD Tower, Plot no.7, Sec-8, Rohini, Delhi, contact No.[protected]
Again I talk to ICICI Lombard Customer Care dept. One gentle man asked too many question related with this problem and said this policy is already canceled . policy no. is 4034/SPS/01758286/00/000. Then I asked him “why you hold that much amount in Lean a/c. CCE told me “No Sir, I am not authorized to hold the money. You have to talk to ICICI Bank People. Than again I contacted to ICICI Cust Care dept.
Then one another CCE asked that much information and told me “immediately talk to Jitender Chabra. Because he hold your money in Lean A/c.
Monday earlier went to Delhi SD Tower, Rohini from Grugaon (HR) 55 km distance. When I asked their about Jitender Chabra . Then security people told me “jitender chabra is not their after that I talk to many people in collection dept. One Gentleman gave me some information that this case is related with Bangalore. And Amit Chaurasia held the money in Lean A/c. Contact No.[protected].
Many time I tried to contact Amit Chaurasia but every time different Executive received the call and after some times they cut the phone in holding situation. At Last I spent six hours and return back without solution.
Mem ! I am not holding any ICICI prudential policy and any card no. [protected]. I never received any paper related this No. then why should I pay?
Anohter thing is how can any person transfer my money from my account to another account without my information? It means Money is not safe in ICICI Bank?
Why ICICI people harassing the account holder mentally and physically? Am I made mistake to open saving account in ICICI Bank?
Mem ! I want my money back and justification. If you are not able to give me positive result then I will escalate all information to RBI / Media and consumer court.

Regards,
Ranjeet kumar Singh
Cell-[protected]

I have paid my total and other charges amounting to 15, 306 on 20-02-09 as per statement of 15-02-09 and my payment was received by the company on 24-02-09 but till to day I am not able to know my available Credit and also my card is declining to transact . The company should inform me the reason for non transaction and the amount available in my card .

I am Muthukumaran from coimbatore. One year back your bank people call me and told that a ICICI credit card has been sanctioned for me and it has been sent to me. On this time, i was in my nativeplace for my medical treatment. After two days, your LOMBORD people call me and told that the plan of ICICI LOMBORD with reference of that new credit card. I told them that i have no interest and also told i have not received the card. They told that “if we tell this plan through phone is not effective. So we sent the plan details, then you decide. If you not interested in this, should not pay money. We give the new credit card number and credit card details”. They have spoken in tamil then they give the line to a recorded call in english. I have very low english knowledge. They already told that “the recorded call be in 3minutes only. So you tell “yes” only to them and don't ask doubts. You act them now the card was received by you”. So i told them “YES” without understanding and gave the card details by using the details given from your bank people. After two months i came back to coimbatore. You sent the statement to me with ICICI LOMBARD policy. But i didn't receive the card. How can it possible? Your bank people cheated me by using my poor english knowledge. Then i had gone another company and also change my address. Last one year i was in north india for my official work. I didn't use my tamilnadu mobile number in north india. In between this duration i came tamilnadu sometimes. That time only i use my tamilnadu mobile number. That time your bank people called me for payment. I told my problem to them. I had sent e-mail to your bank. But no response. In call center people doing the same. That times i had spent short period in coimbatore. So i couldn't solve the problem. I came back coimbatore permanently in this month only. Anyone person not available to tell my problem. But credit card statement is come through message to my cell. The amount is raised above Rs.20000/- by adding late fee. The whole amount is ICICI LOMBARD policy with late fee only. I didn't receive the card. How can i pay money? Now your people do not call me.
I am mentally very disturbed for your bank activities. Please take action to close my account. Otherwise i will go to consumer court. You thing my problem to be in my position.
Note: I made this letter by an another person. My cell number is[protected]. You call me after 5.30pm in tamil only.

Dear Sir,

I am a customer of SBI, Sector 16, Panchkula, Haryana having my saving bank account number [protected] and SBI Card No : 2586

On January 16 I used ATM 1976 of ICICI bank Bhuteshvar Road Mathura (U.P) for withdrawal of money. I inserted my SBI ATM card & and proceeded to withdraw 14, 000. Initially the machine showed that it is processing and then suddenly it stopped and gave out some printed message conveying its inability to withdraw money. I double checked that no cash has been dispensed. I asked the guard weather there is money in the ATM machine? He told that there is enough money. I inserted the card again and successfully withdrew Rs. 14, 000. Both the slips 5616 and 5617 were thrown there in the paper bin.

After that I used my ATM card on 30 January 09 at an SBI Branch and found my balance less by Rs. 14, 000. I rang my SBI branch at Panchkula and was told that 14, 000 has been debited twice on 16 Jan 09. I was stunned.On 31st Jan 2009 I wrote a letter to SBI Panchkula and also approached the ICICI branch from where money was withdrawn and the person at table no 13 told that there was no surplus money on this date. He suggested me to approach customer care of SBI (my Bank). Then I contacted customer care of SBI who told I should contact ICICI Bank and SBI Bank Panchkula.On 3rd Feb 2009 I handed over a letter at ICICI bank Bhuteshvar Road Mathura (U.P). On 18th Feb I again met ICICI Mathura and asked about the progress on my letter. I was told that there was no surplus money and no reverse entry on this date. They will not take any action on that letter

Normally it happens that when there is such wrong entry, the ATM machine automatically gives the credit entry (reverse entry). When there is neither any surplus amount and nor any reverse entry, then where the money has gone? The MACHINE CAN NOT EAT THE MONEY!!

You are requested to find out the where this Rs 14, 000 has gone and offer the credit to the above mentioned ATM card. An early action is requested in the matter .

Thanking you.

Yours truly,
Ved Parkash Garg

Dear sir/madam,
It's to bring under your notice that ICICI BANK Credit Card division is calling on my telephone number which is registered under DNC, I am continuously getting a harassment call from ICICI BANK Credit Card division on my this number:[protected](NATIONAL DNC NUMBER.Bangalore).As I never had an account with ICICI BANK in my life&I never carried a credit card in my life.I am a Senior Citizen 76 Yrs old lady.ICICI BANK people are abusive also.I get calls from[protected]got call on 25/02/2009) continuously.so I request you to stop this nuisance calls immediately or else I will approach Consumer Redressal Forum to file a legal complain.
Thanks+regards
Mrs.Hebbar

AWA number - [protected].

The bank has cheated on account o[censored]nilaterally deciding the principal and interest breakup and even after paying more than 20 Lacs to the bank in 4 years, my principal outstanding is reduced by only little over 3 Lacs only. What kind of ratio is this and interest burdn that ICICI has charged 17 Lacs interest on a loan amount of 39 Lacs in 4 years????? Is public listening to this?

On top of that when I contacted the branch or so called relationship managers they all only waste time but do nothing. And now for moving out of the clutches of ICICI they are asking for penalty and more interest. Is any one listening???

Original loan was for 192 month and now after paying without any gap I still have to pay 350 more installement. Are you blood suckers??? On top of this when I asked to move to another bank and stop payment, you people are threatening and have some unfriendly people calling?Please see to the below details your self.

My mails written to KV Kamath are also coming back with a standard reply which is not suited if you are calling me your Private Banking customer. Complete details given below:::


Amortization Schedule
Loan Account No. LBDEL[protected]
Sanctioned Amount (Rs.) 3909585
Loan Disbursed Amount (Rs.) 3909585
Disbursal Status Fully Disbursed
Tenure in months 393




EMI Schedule
Installment Number Due Date Opening Principal (Rs.) Installment Amount (Rs.) Principal Component of Installment (Rs.) Interest Component of Installment (Rs.) Closing Principal (Rs.) Rate % p.a.
1 01/09/[protected] [protected].75
2 01/10/[protected] [protected].75
3 01/11/[protected] [protected].75
4 01/12/[protected] [protected].75
5 01/01/[protected] [protected].75
6 01/02/[protected] [protected].25
7 01/03/[protected] [protected].25
8 01/04/[protected] [protected].25
9 01/05/[protected] [protected].25
10 01/06/[protected] [protected].25
11 01/07/[protected] [protected].25
12 01/08/[protected] [protected].75
13 01/09/[protected] [protected].75
14 01/10/[protected] [protected].75
15 01/11/[protected] [protected].75
16 01/12/[protected] [protected].75
17 01/01/[protected] [protected].75
18 01/02/[protected] [protected].75
19 01/03/[protected] [protected].75
20 01/04/[protected] [protected].75
21 01/05/[protected] [protected].25
22 01/06/[protected] [protected].25
23 01/07/[protected] [protected].25
24 01/08/[protected] [protected].25
25 01/09/[protected] [protected].25
26 01/10/[protected] [protected].25
27 01/11/[protected] [protected].25
28 01/12/[protected] [protected].25
29 01/01/[protected] [protected].25
30 01/02/[protected] [protected].75
31 01/03/[protected] [protected].75
32 01/04/[protected] [protected].75
33 01/05/[protected] [protected].75
34 01/06/[protected] [protected].75
35 01/07/[protected] [protected].75
36 01/08/[protected] [protected].75
37 01/09/[protected] [protected].75
38 01/10/[protected] [protected].75
39 01/11/[protected] [protected].75
40 01/12/[protected] [protected].75
41 01/01/[protected] [protected].75
42 01/02/[protected] [protected].75
43 01/03/[protected] [protected].75
44 01/04/[protected] [protected].75
45 01/05/[protected] [protected].75
46 01/06/[protected] [protected].75
47 01/07/[protected] [protected].5
48 01/08/[protected] [protected].5
49 01/09/[protected] [protected].5
50 01/10/[protected] [protected].5
51 01/11/[protected] [protected].25
52 01/12/[protected] [protected].25
53 01/01/[protected] [protected].25

Dear

As per my Credit Card Application Ref no[protected] you all are send me the mail on 20th feb09 and when I Asked to your customer care they says that it was declined on 19 feb 09, Then why you guys are sending the mails for verification what you don't do ever, and if ask to anybody for the reason why it was declined they say it is confidential we can not say you, is you people are think that we are cheating or you are asking all the details and no information is providing by you what you have done..

I submitted an EMI request for an amount of 10000/-. The service request number is SR97945187. Now, thwy answered me "We sincerely regret that at present, our internal policy constraints do not permit us to convert your purchase transaction into EMI on Call ". No precise details nothing. I want to close this card. and end up with all relationships with ICICI. The worst ever bank service I've ever seen.

I had drop a complaint against ICICI Home Finance to consumer forum in second week of this month, I got a mail from ICICI they replied me with their long terms and condition and asking for a fee to reduce the Interest rate of the home loan and they really dare to do this infrom of you all I have a mail of them just see the wordings of them and please do needfull for us.

"If you further wish to reduce your rate of interest to 11%, we request
you to visit any of the nearest ICICI Home Finance Company and execute
a revised loan agreement and pay the applicable switch fee of 0.5% +
applicable service tax on the principal outstanding."

My demat a/c is locked.

In the form provided by the network I feed the correct data to unlock my a/c and the ICICI system feeds me back your data does not match ours.

My God if my correct data does not match theirs, God only help people of India, more so in West Bengal.

What is the credibility of the banking and stock market trading done through this bank when correct data fed by me into their system does not match.

This is India where nobody cares excepting earning even by killing, let alone bribes, drugs, "criminalitics" in the name of Politics, and the list is endless.

I am yet to receive replies to number of emails sent to them through the email provided by them. And it has been more than 5 days.

In this situation excepting the local glorified titled disguised criminals god help all.



Aurovindo Choudhury.
Engr. Aurovindo Choudhury, C.Eng., FIE for life, (India, Bangladesh), VDI(Germany), MBIM(UK & Aust), FInstP(UK), MAACE(US), MCIMM, MCIS(Canada), etc., Commissioner of Oaths for the province of Quebec with jurisdiction of all the countries of the world
[protected]

[protected]@yahoo.ca

Dear Sir,

Inspite of complaining to you thrice from October I have not heard any thing from your forum.

I am being harsed by the ICICI Bank by repeated letters, phone calls etc.
Please go through the attached copy of the letter to ICICI Bank.

Please take necessary action.

M.S.Swaminathn





COPY OF THE COMPLAINT LODGED WITH ICICI BANK


From

30th October 2008

M. S. Swaminathan
1712, 17th Cross Road,
Vijayanagar,
Bangalore 560040
Phone: [protected]

To.

ICICI Bank
Charge Back Department.
Fax [protected]

Card No. Gold Card No.– [protected] – M. S. Swaminathan
Platinum Card No. [protected]- M. S. Swaminathan
Add on Card No. [protected] – M. S. Subramanya.
All these cards may be blocked immediately

COMPLAINT No. SR84304803
Complaint: I have not done any transaction on 30th October 2008, but I have received a message from ICICI on[protected] that I have made two transactions of Rs. 11460 each . In the message the card No. mentioned is [protected]. Presently I do not hold any card having that number. But when I checked up with ICICI, they have informed me that my card no. shows two transactions each of Rs. 11460.

I have requested for blocking my card numbers mentioned above. The request no. is SR84304803. I would like the payment against the above two transactions to be cancelled and the same amount of Rs. 22920 charged to my account to be reversed. I would also like to know how this has happened as the card [protected] has been replaced by you by Platinum card no. [protected] and as such your system should not have allowed the transactions. I have not authorized any body other than ICICI for VISA bill payment [protected].

Kindly confirm action taken by you in this matter to my email [protected]@rediffmail.com

Thanking you,


M. S. Swaminathan

THIS WAS FAXED FIRST ON 30/10 AND AGAIN ON 06/11

I had made full n final settelment from collection person Mr.Rohit at ambala branch.He made two installments.First installment i made by cash and second by cheque dated 1.1.2009.On 1st janunary 2009 cheque has been cleared.But now they are sending me statements that i had to pay more and also told me that your full n final settelment is cancelled.And the reason for cancellation is that i have to deposit my balance amount before or on 28th December 2008 as per my letter.But Mr.Rohit told me before taking cheque that it doesnt matter as we are taking your cheque on 28th December 2008.i do have an payment receipt also.Even his senior Miss Hitakshi at Ambala Branch treated me very badly.Please guide me and help me what will i do.As they had misguided me due to which i am suffering.

In Dec 08 I changed my company and I wanted to update communication address to receive saving account / credit card / demat statements.

When I happen to be in Aundh Pune branch for other reason, I enquired about address change, and the answer was 'You call to Call center'. Its surprising that the customer is in branch and bank staff can do the changes and still I have been asked to 'Call Centers'.

Now who ever connected with ICICI bank knows how long s/he has to keep dialing the number, and if luckly you get connected then have to press only numbers and numbers. All this is bullsheet and nothing but a waste of time.

I never undrestand whether ICICI wanted to cut down customer response time or offload their staff workload. Both purpose are not at all resolved and the customer staisfaction index is touching to low.

Compratively in case of HDFC, the person attended the call and finished the task just in 2 minutes. Where as in case of ICICI it is just luck to get any executive on phone line.

The issues are as ..
1] Useless call center mechanism.
2] Purposeful avoidence to customer by keeping them in to the puzzle of IVRS system.
3] No co-operation / response in any branch
4] charges and money extortion from account holder / card holder for any and any reason by saying service charges.

The old Sahukar raj was good as compared to this well organized exrtorting ICICI bank.

Now I decided to close my Saving account, dispose 2 credit cards, Demat account and shifting to HDFC, Union Bank and ING Vyasya.

I must say how long ICICI will survive, if they loose customer focus. Already ICICI tested down turn in single day. Still they are not learning from the past.

As i was working here for 1yr and i had a maternity leave which was almost 1yr 3mths as i had gone through a operation and it was a 0 Balance salary a/c which was provided to me and i had forwaded the same to the co for withdrawal now as such the a/c is blocked as they say it is no more a 0 balance a/c and i was never informed about it only one letter which was few days back came to me was informing me the blocked status now the pf Amount is going to come in the month of march 2009 as how wil i be able to withdraw can you provide me a Demand Draft or can you give a solution to the same.

Re: To WHOMSOEVER IT MAY CONCERN

This is Uma Maheswari and I have an Account (**** ***** 6034) with ICICI Bank for the past 4 years and its was a salary account, and i maintained Rs.86 as my balance for the past one year. Suddenly in received too many intimations through letter stating that my account has to be re-operated by paying a minimal balance of Rs.5000 or it shall be closed. Immeidatedly i deposited a amount of 1, 50, 000 in Jawahar Nagar, Kolathur Branch, Chennai. At that time the bank staff accepted the deposits with sheer happiness. Since i was married before six months and i wanted to also change my initial in my name, i was asked to submit several proofs such as marriage certificate, address proofs and ID proofs. and I had submitted the same 3 times, in the same branch as the bank staff told me that they have misplaced the proofs i have submitted earlier. All this happened in the month of July 2008.


Now to my surprise when i operated my account on 18th Feb, 2009, the bank person told me that my account has been freezed just because it was a salary account and i had made no transactions. even in the month of January, 2009 i had deposited a cheque of 6000. when this was told to the bank staff, he casually told that "ICICI BANK CAN ACCEPT ONLY DEPOSITS BUT NOT WITHDRAWALS".

And to all of your notice the SELAIYUR branch Operations Manager "LALITHA" STARTED SHOUTING at me when the reason was asked. She told tht the bank requires ID PROOFS AND ADDRESS PROOFS, and only if i submit these two docs i can go ahead and access my account so tht they would unfreeze within 3 -4 working days. Is the Operations Manager operating in Selaiyur Branch, Chennai is o[censored]nsound mind? When i clearly told her that the docs have already been submitted, she said "SUBMITTING DOCS IN ANOTHER BRANCH IS IN NO WAY RELATED TO THE BRANCH IN WHICH SHE IS BEEN OPERATING". Does ICICI bank think that i need to submit my proofs in as much BRANCHES you guys are operating?

And i then told her that i am going ahead and closing my account. She said "'fine only if you unfreeze your account, i will close it". And the next day, when i went to submit the docs such as my Passport and driving licence, Lalitha, she directed me to another staff. I dont know what her name was, but she had a confusion, and started calling all her colleagues to clarify her doubts in my case. and i was made to wait for 45 mins. and finally she told that my passport cANNOT be accepted as proof as my surname indicated my husband's name. So she asked me to submit my MARRIAGE CERTIFICATE so tht then she can go ahead with the process. When i explained to her that all my documents including my MC has already been submitted, she then rang up few of her other colleagues and by the time she was ringing me, i got very badly frustrated and told her that i am not ready to unfreeze the account but close the account. She immediatedly told tht for account closure there is no no neccesity to unfreeze the account and thth it can be done immediately. Are ICICI bank staffs sleeping all the way and wake up only when they see a customer in their counter??????????

The staffs are really unknowledgeable. Every time they ring up somebody or go stand in an irated place discuss for 15 mins and then answer us. Moreover when you guys appoint a Operation's Manager, "LALITHA OF SELAIYUR BRANCH, CHENNAI" dont you guys teach them how they should behave to CUSTOMERS.

Firstly please make sure that you appoint someone who knows the bank's procedures as Operations Managers. Your service is very bad, very pathetic. Had an idea of opening an NRI account, but fortunately since the service in the HDFC Bnk, Selaiyur Branch was damn good i have opened a new account there. Initially, the freezing of my account was not intimated to me and now the closure was also not intimated. REAL BAD SERVICE.

i will further have no transactions with your bank and also advice my friends and family members not to have account in your bank.

I, Vaishali Sailendra Samant, aged 38, an Indian resident, residing at, 401, Babu
nivas, tukaram Nagar, Dombivli(east), thane, maharashrta, India, 401202,
address you as under.
1)That I was induced to get issued a credit card using my details with Amway
Distributors. The customer id is:6437428and the No. of credit card so issued
is [protected].
2) Having doubts of intentions of issuing the credit card even though I was reluctant to
have one, I decided not to activate my A/c as the terms and conditions were not
agreeable to me.
3)One day I received a telephone call from one calling himself as Vicky
Malhotra and said that I(Myself) was one of the thirty Amway clients those are selected
to get insurance policies free of costs and collected the details of mine and of my son
saying that the policies are issued absolutely free. I had time and again told that chap
that I was not at all interested in any policy what so ever and will not pay a single
farthing towards those policies and he said that I need not pay any.
4)In the second week of Jan .2009 I received two policies viz. pol.
No10481433&pol.No.10478807along with few documents about which I understand
nothing. I was neither told about the premiums nor I agreed to pay any at any point of
time.
5)the policy first premium receipt sent with the documents indicate that I have made
payments of rs.9791& rs.3827 wide cheques no.774426&258869 respectively. The
cheque date .and Name of bank is blank. it indicated that I had issued the cheques
whereas I had never issued those cheques and we thought that the premium was paid
by the bank or the agent as the policies were offered free of cost. Even though I had
never subscribed to any premium what so ever and had never accepted the terms and
conditions of the said policies as I was never told anything about the amounts and
premiums of those policies.
6)OnJan.2009 I received a credit card statement showing a debit of rs.15301.debited to
my credit card a/c. which I never activated nor I gave any consent to debit that Amount
from my credit card A/c.
7)On Jan 182009 at 11.45A.M&11.49A.m.I received two phone calls on My Mobile No.[protected] from L.L.No.[protected] alleging that I had spent from my credit card the said sums in Delhi. in bars, restorents, molls ect. I crave leave to refer to those conversations between the caller and myself on my mobile. My several request to investigate and to book the caller are intentionally turndown by the so called investigating executives showing deficiency in service. Then again I received repeated phone calls from your billing/recovery departments only to harass me.
7)Again I received another statement of credit card a/c.which shows increased debit to my A/c. which shows that no cognizance is paid to my complaint both by icici prudential and also by icici bank credit card department, as this case was to be handled jointly by both the icici departments in coordination, instead they tossed the complaints to others in rotation only to harass me. I spend lot of money in sending the replies to all those formal
drama type replies yielding nothing .
8)I had requested to all the concerned departments by sending various emails requesting

Hi
I have an account with ICICI bank(Saving), on 18 feb 09 i went to ATM thinking that there is sufficient amount i fed the amount of 1000 rs. But there was not suffiecnt amount to ATM declined, I am seriously Unhappy and amazed to see that the bank has charged me some 28 rs for non sudfficient fund.

This is sort of fraud at the banks end