[Resolved]  ICICI Bank Personal Loan — Cheating and lying to customers!

ICICI Bank - Personal Loan — ICICI cheating

Dear friends , let me tell about icici bank cheating. I anilkumar applied for personal loan to icici bank on september 2007. After all processing procedure they (icici) called me to their branch with four cheques. On 26th september 2007 i went to meet them . There they checked all the original documents and said the loan amount is rs.50,000/- and tha rate of interest is 2.1% per month . Of course i am in need of money so i agreed to that and signed where they asked . And they took 4 cheques from me. After that they said the loan amount cheque will me mailed to my address. So i came back. They said conformly the loan cheque will come to you with in four working days . After that i had made some commitments to pay the amount to some people with in five days. But i did not received any cheque from icici , so i asked the bank agent , he said "sorry for delay sir surely you will receive cheque ."but all the people that i already committed to pay are forcing me to pay back. That time i felt mental torchur because of icici bank. A vendor and i was falling short on my commitment. All it was happend before more than one month back. Even now also i did not received money or cheque from icici , yesterday ie.[protected] they drawn first month emi as ecs from my account. They (icici) did not givien loan but they are recovering money from my account..

Can anybody tell me what to do now?

your letter ref. no. 12-07/397847 dated December 3, 2007

kindly give me a accounts statement for overdue outstanding for the personal loan no. LISAL[protected].

kindly give me a full accounts statement for above.

Thanking you,

For Periyaswamy K

I applied for a personal loan at vashi navi mumbai icici branch an employee named Rahul cell no. [protected] told me that all the documentation has done and i would get a verification call within 2 days. almost 5 days completed and i did'nt get any call nor any updates regarding my loan and when i was trying to call rahul he was not picking up my call. finally today i cancelled my loan and i would try somewhere else.

Dear Sir/Madam,
My name is Arabinda Pani.I have applied for rs.1 lac in ICICI Bank.My ref no is 58912521.I got a sms from ICICI Bank on 5th Jan 2008 at 9:24 a.m.I am in confusion that still now I have not get my loan amount.I'm trying to contact the Manager,the Concerned person and also the Courier;they are not responding me.Plz help me.

My mail id [protected]@gmail.com
My cell no is-[protected]

i am facing this type of problem , my refrence no is 58817106, i have also submit check but still not i am getting any response,

I have taken an two wheeler loan,

Agreement no.: LTDEL[protected]

For instl. Period: 07/09/2005 to 07/08/2007,
which has now been completed without any hassle.
The loan amount is fully paid by me according to the bank terms and conditions within the loan period.

Now I require the NOC for removing of Hypothecation from my RC, I have tried to request for the same on phone banking no. [protected] which is not functioning for this.

Please help me out,

As there is no option to talk to the customer care executive personally on the Helpline no.

Regards,
Dinesh Kumar

i above mentioned Would like to apply for the loan Agianst Property, Mr Divesh From Pune Main Branch At FC road His Contact no [protected],collected my documents ,he had asked for few more Documets that requirement also i fullfilled,then latter in he is not rteceiving my Calls, nor Replying me back nor Doind further process for Laon, else he is behaving rudly with me, he is back answering me, He is not giving documents back also,
Sir pls look in my matter and do the needfull, waiting for ur reply
Regards
Asha

i above mentioned Would like to apply for the loan Agianst Property, Mr Divesh From Pune Main Branch At FC road His Contact no [protected],collected my documents ,he had asked for few more Documets that requirement also i fullfilled,then latter in he is not rteceiving my Calls, nor Replying me back nor Doind further process for Laon, else he is behaving rudly with me, he is back answering me, He is not giving documents back also,
Sir pls look in my matter and do the needfull, waiting for ur reply
Regards
Asha

I am going to complain instead of giving my opinion.
As I applied through loan at a click, I got a referrence number 59401002 and I took a print out of pre approved loan : loan amount was 100000 and tenure emi all mentioned.
When I was called by the executives they told they will come and collect documents, nobody turned up.
At last, when I contacted one icici branch, I was told I need either a landline or a postpaid mobile bill copy as my address proof, and it is mandatory.
If you know that this (landline/postpaid mobile bill) is mandatory why don't you put in the required documents list ?
Why just for the log -in application count consuming customer's time ?
Anyway I am totally disappointed by the way of functioning of the banks in providing the PL.

Myself Rajlaxmi Naidu, I have applied for a personal loan on 26th of March through their executive named Mr. Karthick [protected]. This guy came rushingly to me stating that he will get me the loan approved and the amount will be credited by 31st of May because of month ending. He was in so rush that he said he will put all the documents, as my bank statement was very good. He even took the security 8 blank chequest. Ater that for 4-5 days his mobile was switched off. Then i called the customer care but I do not think that any qualified person is sitting there to sort our the queries. They straight away told me that my case is approved on the 4th and soon the amount will be credited in you account. So days passed away from 4th to 9th. But today when I called the customer care there was a new response that my loan is approved today itself, whereas I have a recorded telephone form the call centre of chennai that I receied on 5th that my case is approved and soon the amount will be credited in my bank account. Today a blunder happened when I called the customer care they are telling that my case is approved just today hence I will have to wait for 4-5 more working days for the case to be transferred to disbursement departent.

So what is the moral of the story whey these guys put advertisement that you can avail loan in 24 hours than what about the 15 days that I have been mentally tortured everday.

I have all the complain numbers, request numbers, and my call details. My telephone bill for this particular case is Rs. 500/- at present.

what my opinion is if they have to provide the loan then why so much delay. They should tell frankly whether it is declined or approved, why are they hiding their face and making troubles of others.

There is one thinks I would say if there is any default in payment they are goonda people to recover the loan. Then why should we not have some forum to check these things. Why do they give dream. We are not going to beg to their offices for loans they only come to our house like beggars stating madam please take loan.

ONE SUGGESTION FOR ICICI IF THEY ARE NOT ABLE TO HANDLE THE LARGE NUMBER OF CUSTOMERS THEY WHY THEY DO NOT SHRINK A LITTLE BIT.

I do not know when my case will be forwarded, but i have lost hopes.

hi,

I recently had applied for the personnel loan for sum of 150000 as per the sales agent had said to me he would be providing the loan @ 13.5% reducing and processing fees of 500 but cheated me when i approached his office he had submitted the papers @ 14.5% reducing and over 2500Rs as processing fees.Agent name is shashank gelani and his senior Manish jha and amit singh, so i request any one who is taking loan from them to be aware of these cheaters.

i too took a loan from Manish Jha, Shashank gelani of ICICIBank of Rs. 1, 000, 000. They promised me loan at the rate of 14.25 but I was horrified to come to know later that I was being charged a rate of 16%.

they also were rude and threatenedn me if I complained.

aman

i am 100% agree with all comment

ICICI Bank — Lying to customers

The last sentence summarises the complaint.

I had been to the Kalina branch of ICICI bank in Mumbai, to request for the stoppage of my internet banking account. The person at the helpdesk told me to do it through phone banking and the person at phone banking told me to contact the person at the branch. I went back to the helpdesk where they told me to type my password wrong a few times which would cause my account to get blocked.
I insisted that I wanted my internet banking account to be removed completely rather than just get blocked.
They did not know how to do this, so they told me to wait for a while. Five minutes later they called me to the desk and told me to give them my customer id. I did, and they entered it in their computer and said that my internet banking account is deleted. They also gave me a printer sheet which had something printed on it, scratched off the printed matter with a pen and told me to write a letter requesting for closure of the internet banking account, on the other side of the paper. I did so.

When I tried to access my internet banking account two days later, I saw that it was still existent, in a disabled state. They had lied to me that the account was removed. The letter which I wrote has probably ended up in a trash bin.
Besides, how could an ordinary helpdesk employee have the powers to remove an internet banking account by just typing the customer id?

Dear Mr. Sd,


Kindly write to us at [protected]@icicibank.com with ‘Customer Service - Internet Banking’ as the subject line. Request you to provide 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 - Personal Loan — representing the cheq without prior intimation

hi all,

I have availed a PL with ICICI bank and 'm repaying it till jun' 09 (more than 12 dues). now due to market downfall, I lost my job and was searching for a new one. based on my current situation, I have sent a letter to the local branch incharge seeking 4/5 months holiday period. Now my july month cheq got bounced with reason Insufficient funds. without calling me or knowing my status, they are representing the cheq just my sending a SMS and that too without any contact no. what will happen if the no is changed???

pl forward this to concern authority.

regards,
sabari

Dear Mr. Nath,

Kindly write to us at [protected]@icicibank.com, with the subject line as 'Customer Service - Personal Loan'. 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

Hello Sir,
I had taken a personal loan of Rs.5 lacks as per the sales agent had said to me that he would be providing the loan @14% flat but he cheated me. Now I find that it was @ 19.5 flat. I complaint against it many times but you did not repond. One of the complaint, I have given dated 27:08:2009 but the matter is not resolved till now. Agent name is Durgesh. My loan account number is LPDEL[protected]. My contact number is [protected]. My service number is SR[protected]
Amit Mittal

ICICI Bank - Personal Loan — Excess amount recovered

I was drawn personal loan amounting to Rs.1,00,000/- in Dec.2005 from ICICI bank, which was recovered in 48 monthly instalment of Rs.3044/-each since January,2006. but, icici bank had recovered 49 instalment as details below :

Jan.'2006 @Rs.3044/- 1 instl. recovered Rs.3044/-
Feb.'06 @Rs.3044/- 2 instalment recovered Rs.6088/- (Doubled)

Mar.06 to @Rs.3044/- 46 instalment Rs.140024/-
Dec'09


My loan account No. is LPDEL[protected]

Dear Indel,

We're sorry to hear about your experience. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.