[Resolved]  ICICI Bank / Personal Loan — Harassment to the customer even after all the dues are paid off

This is regarding the Personal Loan, that I had taken from ICICI Bank. Now as per the settlement letter dated 14th Jan'09 issued by ICICI Bank, I've already paid the entire amt as per the terms & conditions mentioned in the letter & the details are mentioned below for your ref -

Date Amt Paid Receipt No
14-Jan-09 23000 L[protected]
9-Feb-09 22000 L[protected]
28-Feb-09 20000 L[protected]

Issue

1. It was mentioned in the letter that, all legal cases filed by bank in the court of law in respect of the
above-mentioned loan a/c will be withdrawn after the entire amount was realized into the a/c. I've
already paid the entire amount well before the max. valid date, but unfortunately, bank has not
withdrawn the legal proceedings yet. It's an absolute violation of the commitment made by the bank in
the Settlement letter and creating a lot of physical & mental harassment for me & my family.

2. Even after paying off the entire amount as per the terms & conditions of the settlement, I'm still getting
call from ICICI Call centre/Collection dept. asking me to pay my due EMI immediately. It seems there
is a huge problem in the internal communication in the bank & the system doesn't seem to reflect the
correct status.

Even after several promises made by the Customer service officers of ICICI Bank, the issue hasn't been resolved yet and I'm continuousely getting calls from the Bank. I've in the mean tinme sent atleast 5-6 e-mails to the Bank with the scanned copy of the Settlement letters / receipts etc. (as required by the Bank), but all in vein.

In this circumstances, I really don't know how to get it resolved and would request your input to help me sort it out.
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Aug 14, 2020
Complaint marked as Resolved 
Complaint comments 

Comments

Dear Mr. Mitra,

Kindly write to us at [protected]@icicibank.com with ‘Customer Service - Personal Loan’ as the subject line. Request you to provide the relevant details of your loan, along with your full name and contact details.

We will be glad to assist you.


Regards,

Nazia Sayeed
Office of the Nodal Officer
ICICI Bank
ICICI BANK really sucks... better to stay away from this bank and its products.
Dear Sir,

My self Balamurugan, I am a customer of ICICI Bank. My Account No is[protected]

My Loan Account No is LPCHE[protected], My Loan amount is Rs.2Lakh on 2007 on Feb, I have paid EMI upto Feb 2009.

I lost my job in 2008 so i am unable to pay my Personal Loan due amount. Now 9 months due from my side is pending.

Few days back i got a call from Settlement Department.

What is the procedures to do the settlement ?? How should i pay the amount ?? by Cash or Cheque ?? to whom I should pay ?? Where should i Pay ??

Rgds.

G.Balamurugan

Ring @ [protected]

ICICI Bank / Personal Loan — Loan account no: LICAL 00008701583 and your letter ref no: D3/232980/2688/LICAL00008701583 dated APRIL17,2010

Re: Loan account no: LICAL [protected] and your letter ref no: D3/232980/2688/LICAL[protected] dated APRIL17,2010
SUB: Illegal demand of Rs. 20013/ = for settling the aforesaid loan account when your concern already settled the account by handing over settlement letter under reference no: 73427/October /2009 dated nil .
Dear Sir,
This is to inform you that my son's aforesaid a/c has already been settled on 25. 10. 2009. I had paid a sum of Rs.5000/= by dash and a sum of Rs, 5000 by cheque being no: drawn on Karnataka Bank dated 27.11 2009. Your concern issued receipt against such payment and also issued settlement letter 73427/October /2009 dated nil .
Be it stated here that your concern has not encashed my said cheque till date retain the same with the bank for unknown reason.

Be it further stated that somebody of your office constantly demanding aforesaid amount of Rs. 16000/ = over telephone as he is showing that my said account has yet not settled.

Under the fact over I hereby call upon to show the said account operative as on date and also show how the said person is demanding Rs. 16000/ = when the said account has already been settled on 25. 10. 2009. against which I have received settlement letter from your end.
I am retired engineer having no income, my son is unemployed, to meet their( I.C.I.C Bank) illegal demand is virtually impossible for me.


Yours faithfully

Dipak Bose
Dear Dipak.

We are sorry to hear about this unfortunate experience and would want to resolve this matter with finality. Please email us your contact details at [protected]@icicibank.com and we assure you the necessary action will be taken at the earliest. Kindly mention “UID 477856” in the subject line.

Regards,
ICICI Bank Customer Service Team.

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