ICICI Bank Complaints & Reviews

HI
This is Suresh Babu Vutukuri. I apply for the ICICI bank credit card in the month of June 2007 when I was working in IBM, Bangalore. But till the time i had changed my room in Bangalore in the end of July 07 i didn't get any kind of response from the bank. From the month of October 07, i got a job offer in Satyam Computer Services and i had changed my place of residence to Chennai on 22nd Oct, 2007. When I joined in Satyam Computers I got an SB account in ICICI bank, Chennai as my salary account. The account number is[protected] and is maintaining at Chennai-Cenotaph Road branch.

Recently I noticed that amount of 14, 528.52 is debited from my account on 18/06/2008 and now ICICI bank has blocked the amount of 38, 845.04. You can see those details below. The ICICI bank people are telling this amount is blocked for my ICICI credit card which was issued on 23/09/2007.

Without my notice or my permission the bank people have linked my saving account to credit card. Even I made a call to ICICI customer care people and I shared my mobile number with them also. But I didn’t have any positive response from them and they are talking very rudely. Even now I can’t able to do any transaction with my SB account. They are telling that the card was delivered to the below address at which i was not residing in the month of September, 2007 and i am totally unaware of to whom they had delivered the card and who used that card. The bank is making me responsible for the usage of the card by someone else. Also the kind of delay in responding to the query through customer care is costing me Rs. 38845.04 which was billed again and debited from my account.

When I asked them how my Chennai SB account is linked to Bangalore credit card..??, they are telling that bank has authority to do this without giving notice to customer. Right now i am in the position of not having any salary from two months and depending upon debts from others.

So in this regard, as a helpless customer from ICICI bank, I would request any one of you to please intervene in this matter and help me to sort out this problem.

I had applied for a 3-in-1 online trading account through ICICIDirect on the 21st April, 2008 through application number. [protected]. All the required documents were furnished to the sales executive who had come to my residence. I was assured that my account would be activated within 20 days. Those 20 days are long over. Repeated calls and mails to ICICI customer-care have proved futile. All that I get to know is that my form had been rejected twice (of which I was not informed by anyone, I had to call up several times to get this status report) and now it has gone into the never ending processing mode. Each curt mail to ICICI customer care receives a reply back that I should wait for 10 additional days.
I am now tired and frustated and all I want is a refund of the processing fee of Rs. 250 that I had given along with the application form.
If this complaint is forwarded to ICICI, I am certain that the obtuse and imbecilic fools that are employed over there will repeat (just as a stupid parrot does) what they have requested before, that I should wait for another 10 days. Please refrain from sending such SPAMS
I have already approached another DEMAT service provider and have sent in my application.
WILL THE DEAF OF ICICI PLEASE TAKE NOTE??

Dear Sir
I need to receive the provisional certificate URGENTLY for the PEMI interest payable from 01-APR-08 to 31-MAR-09.

My Loan Account No is LBLCAL[protected] / Application Form No. 771211 and the Loan amount granted is Rs.3, 67, 000/-.
Please send it as an e-mail attachment.
Sincerely
Susmita Mukhopadhyay
Assistant Professor
INDIAN STATISTICAL INSTITUTE
Kolkata

Dear Sir,
From the first date i am not getting the single bill at my billing address.lot's of time i have made the complaint through mail but no action is taken and i have charged for the late payment.Why i am going to make the payment without getting the bill.
Kindly do the needful.
Credit Card Holder Name : Archana Barolia
Credit Card No : [protected]

Regards
Archana Barolia.

I am Vinod Maheshwari; I have taken a Home Loan from ICICI Bank, Sector 50, Noida Branch on Date 7th March 2007.

My Home Loan Details are
1. LBDEL[protected] (Primary Home Loan)
2. LBNOD[protected] (Top-up Loan)

I have purchased this house from Mr. Khemchand. He was also having the home loan and top-up loan from the ICICI bank.

In October 2007, I came to know that Mr. Khemchand was paying the EMI on his home and top-up both loans.

Then I and Mr. Khemchand have contacted to bank, we met Mr. Vikas Chowdhary (Area Operation Manger) regarding this issue.

As Per Mr. Vikas, Bank was not able to close Mr. Khemachand’s home loan account as they have forgotten to deduct the his top up loan money from My new Home Loan amount. Due to this reason the property papers was not transferred to my home loan account.

I have shocked as legally I am the owner of that property and as per bank I have no roll on property I am just paying the EMI for nothing.

After several visit of the branch and huge effort of Mr. Vikas Chowdhary, bank has closed the home loan of Mr. Khemchand, So Mr. Khemchand Home loan EMI has been closed in November. But bank has not closed his top up loan as there is some technical problem; due to this my property paper has still not been transferred to my account.

I have discussed the same many times with Mr. Vikas, but I did not get any proper response from his side and the situation of the issue still same for me.

Mr. Khemchand has to pay EMI for 5 years, as remaining period for his top-up loan. Till that I can not sell or transfer my property to any body.
As per Indian law I am the owner of the property and bank is not showing the same then why I am paying the EMI.

I am putting this mail to following ICICI personnel also:
1. Mr. Vivek Agarwal – ACM Home Loans on 7th March 2007 in Noida Branch
2. Mr. Sharad Mittal – RBH Delhi on 7th March 2007 in Noida Branch
3. Ms. Sarika Nigam RM-Home Loans on 7th March in Noida Branch
4. Mr. Vikas Chowdhary

Regarding this issue I would like to ask following question from bank:
1. Why the Bank personnel has missed to deduct Top-up loan of my property previous Owner.

2. If bank is so careless about their own money, then how can I believe on bank that they will keep my property papers secure?

3. When Mr. Vikas came to know about the issue why he has not try to close both loan of my property previous owner’s loan simultaneously. Because now to catch Mr. Khemchand is not easy as he has no problem to pay EMI on top-up loan.

4. I am paying the 12% as interest rate on my Top-up loan, where as other bank has been reduced the interest rates. I can still pay at high rate if your bank has been care for my issue. It is now become one year all-to-gather, and no response of bank.

After seeing following condition I have no option left to stop EMI and deposit the EMI in court with taking legal help.

I would still like to escalate this issue to you all as I want to give a chance to prove the credibility of bank.

I suffered mentally so much due bank mistake. Hope you will response positively after this mail.

Stll I am awaiting resolvance of issue.


Thanks in advance


Regards,



Vinod Maheshwari
B703, Sahara Apartment,
Plot No.11, Sector-6,
Dwarka, New Delhi -110075
Ph. No. +[protected]
Mobile: +91-[protected]/[protected]

Dear Sir:
I had an ICICI Credit Card, for which I had done a settlement on the Principal amount, now 1 year after my settlement, The bank refuses to accept that they did any settlement, they have taken that money that I paid in -lieu of Full and Final Settlement as a regular payment and now threaten me that they will BLACK LIST my credit history. I checked with the Bank Redressel forum also but they also gave the same response, that you have to make the payment as we never did a settlement with you, I have all the details with me, If you can help, I can provide alll the details.
Thank you,


Thanks & Regards,

Mohit Sah
# + 91 [protected]; +91 [protected]

ICICI bank has lost my original property documents ! the loan is worth close to 50lacs. i have been following up on this for 18 months, and now they confirm that they have lost all the documents. they have promised to recreate the document, but i dont trust them any longer.

anybody had a similar experience ? what was the outcome ?

Hello Friends,


This is my heartlly request to all of you that never ever believe on EzeeGo .

ICICI has given me two free ezee go vouchers of Rs.1500.
When I went to encash that vouchers at the hotel, which is allready given on the Ezee Go site, then that hotel personal told that this is a fake vouchers from Ezee Go we are not accepting this kind of vouchers.

So please friends be aware with Ezee Go coupens either provided by this company or by any third party.

Sincerely,
Dipak Joshi

Request Number : SR70879409

I have deposited a cheque of Rs. 5500/- (cheque number ‘385554’of Sandeep Bajirao Ghorpade with ICICI account number[protected] on Friday 23rd May 2006 in your Old Sangvi, Pune Axis Bank ATM at Madhuban Corner for my friend Mr Chintamani Sadashiv Kulkarni, Axis Bank customer with account number [protected] of Maduraai branch.
On the very next day morning, I got called by Axis bank, Pune and they told me that I forgot to put cheque in the envelope(which was not the actual case). They told me to deposit the cheque again as it was missing.
As it was account payee cheque only, I took a risk of depositing it again so that even if it get cleared, my friend could have returned me the extra money Rs. 5500/-
So again on 24th May 2008, I deposited the cheque of Rs 5500/- (cheque number ‘385555’of Sandeep Bajirao Ghorpade with ICICI account number[protected]in the same account of Mr Kulkarni.

Now the problem is, in his account, Rs. 5500/- gor credited only ONCE for cheque number ‘385555’ on 27th May. But again on 31st Mat, the old cheque 385554 cleared. It is debited from my account and yet to credit in his account.
Please see below my ICICI bank account statement for that week. The amount is deducted twice. After tracing a lot, we come to know that the cheque is cleared on a person with almost similar name o[censored]nion Bank of India.Please reply ASAP.
How is it possible? while clearing my cheque, why didn't ICICI bank chequed the details? I am facing a lot of problems becoz of this.

Dear Customer service Team,

Name: Shashipal Reddy Paidi
A/c Number: [protected]
Request Number: SR70003290

Type of query: Request for Permanent Limit Enhancement

Any way thanks for resolution As soon as Possible. (7 days)

I am Using ICICI Bank services since 3 years (Savings account). This Credit Card since almost 8 Months. Up to now I paid all Bills promptly and also used card effectively. I hope there was no negative feedback against my usage.

Just I requested you to Increase my Credit Card Limit and submitted all required documents. (2 times I faxed my salary slips to u). (I wasted money for Customer Care calls and fax). But you people rejected my request. I upset with your conclusion. I want to know why you rejected my service request. What’s wrong with me and my documents? Now I want feedback from your side.

If I didn’t get correct response from your side I am going to cancel all my accounts with ICICI bank. I know for Large bank(ICICI) I’m not only single customer. But you are also not one bank in India for me. I’m going to start transaction with another Bank and going to give negative feedback about ICICI in our forums what you did to me. I hope ICICI Bank not going to loose his customers. So I’m requesting you to increase my credit limit as soon as possible.


Thanks & Regards

Shashipal Reddy
Ph:[protected]
Email: [protected]@gmail.com

Hi,
We are a private limited Company, having a current account with ICICI bank limited. 5 days ago, we got some credits to our account, through cheque transactions. We issued a few cheques (payments), which got bounced stating "insufficient funds".

Surprisingly, we had much more amount ("credited" to our account) than the bounced cheques. Even the credits to ours accounts, which followed in the coming days, are still "on hold". ICICI bank does not state any reason for "freezing" the account, wherein, they are accepting cheques credited to the account, and clearing them instantly. But, none of the funds is available.

The Company does not have any kind of loans/limits or any dues with the bank.

This has put our Company in big mess and we are suffering huge losses, as the fund-flow has stopped! Its the end of the month and we might, as well, loose non-expendible employees, and thus, loose business too!

Please advice at your earliest possible.

Hopefully,

Ashish Sharma

Director,
Core Database Systems Private Limited.

Subject – Wrongly Debited Amount Rs. - 21000 from Account No[protected].
Complaint No. SR70726434




I am in business trip to Mumbai for period of 20 days, on June 22st 2008 i paid hotel bill to “Hotel Ashwin Pvt. Ltd” from the debit card at the time total amount in my card was Rs. 92839.00. While swaping card it showed the status decline and no voice transaction slip was generated, but the same time i got the message that Rs 21000.00 has been debited from account in the mean time he tried for second attempt and in next attempt again 21000.00 was debited from my account but this time it generated the voice transaction slip which i signed. I asked Hotel Ashwin to check in their statement of account that the first transaction that happened accidentally is credited in their account, but after verifying the statement no transaction was there. As no voice transaction slip was generated for first attempt nor i signed the same so kindly rollback the amount asap as i am in business trip and short in money.

Account Information

Account Name Munish Kumar

Account No. [protected]



Hotel Information

Hotel Ashwin Pvt Ltd.
Next to Fire Brigade,
Marol Naka, M.M. Road,
Andheri (E) Mumbai – 4000059
Phone No : 2920 0945/ 5285
2920 7267/ 7269
Fax [protected]
Mobile [protected]
Website www.hotelashwinmumbai.com


Thanks & Regards
Munish Kumar
Mobile No. [protected]

Sir,

With due respect I beg to inform you that I, Bappaditya Das is dropped a chaque of Rs. 26100/- ( Chaque No.773212 of SBI A/C[protected] dated 03/06/2008) at ICICI Durgapur branch on 3rd June 2008, in favour of [protected] (My credit Card No.) against my credit card statement of due amount of Rs. 23, 598/- expecting that, it would be clear before 9th June 2008.
But unfortunately yesterday (24/06/2008)at 4pm when I was doing University Confidential job at NIT, Durgapur, a phone from [protected] your Calcutta call center threatened me to pay the amount. Then, after getting the call leaving the job I rushed to ICICI Durgapur branch and from your operations they confirmed me that the chaque was cleared at that branch on 9th June 2008 but till now that was not reflected in my credit card statement but my SBI bank statement reflect the debit amount of Rs.26, 100/-.
This is the 2nd time I am harassed by you and everybody of my colleagues as well as my friends have seen this incident. Finally I have decided to surrender my ICICI credit card as early as possible. Just tell me what amount I should pay or I will get back? Because this harassment is more than enough.
Please call me my credit card current status as early as possible and tell me the procedure to return your credit card.

Thank you.
Yours Faithfully,
Bappaditya Das

I have saving account with ICICI Bank at kalyan branch and I am also credit card holder of same bank. In January 2008, bank has credited my account with INR. 12, 000(Twelve thousand) without my consent and the EMI of same is debiting from my credit card account. I have never applied for such a loan. I am not receiving my credit card statement regularly.

Please take necessary action against violation of laws laid by RBI.

I am writing to this in sheer frustration of waiting for the last two months for a simple 3-in-1 ICICI Trading Account.

I had applied for a trading account on April 16th 2008. The agent who came to my office took all the necessary documents and promised that it would take 2 weeks post which the account would be activated.

I waited more than 3 weeks but received NO update on the same. On contacting the agent, he told me that the form was rejected because the company policy "suddenly changed" to the effect that a letter from the Company HR department no longer serves as valid proof.

He came to my office again in mid-May and collected copies of my passport as a valid address proof and this time promised that he would expedite the application. This time, he gave me ANOTHER application no.

Yet another month has passed and I still have NO UPDATE on what the status of the account is.

Everyone at ICICI Direct has been passing the buck -- the agent says there's no rejection now and the Call Centre says there's a signature mismatch somewhere!! I don't know who to believe. I have been making regular calls to the Call Centre only to be put on hold for long periods of time or transferred from one department to another.

In this entire drama, I have lost faith in their Company and the quality of their staff and service. I have heard numerous other stories of how customers are made to run from pillar to post for a simple process such as account opening.

I think they hire the MOST INCOMPETENT staff to be the face / voice of their company.

dear sir, (for icici bank C.C)
i am very much annoyed from your services basically the problem is that i was having a due payment of my credit card which i have settled it up with your jaipur officer named Mr.Jhakhad (recovery cell, jaipur, upasana tower)and the amount which i have to pay to the bank after settlement IS 56000/- that he told me to give him in two installments, the settlement was done on nearby 16 of may 2008, n they said that they will come on 24 of may to collect the amount from me but eventually thy had not comed, i have also reminded him many a times to collect the amount from my jaipur address, but i was aback to see that there was no response from your side..Sir the problem is that Im posted in bhikamkhore where you dont have any branches, so at times it is immposible to reach u. Now suddenly one of your collection person. called up my wife and was very rude to her he also used abusive language and told her he will come to our place and will shout in the locality if we dont provide him the money.Upto my knowlegde v hv taken a C.C from a very good bank not from any roadside company. I[censored] people not take any serius action against ur collection person than i'll be having no other option for bringing you n dat employee into the court and also im planning to lodge a F.I.R against that illmannerd person, here im reminding u again take some serious action against him in 24 hrs of time. NAME Of That Person is Mr. VIJAY SINGH CHOUDHARY AND INFORM US, , SO THAT I CAN MAKE MY PAYMENT

I am a UK resident. Nearly a month ago I was carrying out transfer of funds (£5000) into my ICICI UK account over the internet. The sort code of their bank for UK accounts and Money to India accounts is the same. I had previously transaction details saved in my UK bank (Lloyds) preferences for ICICI UK account and ICICI Money to India account. By mistake I ended up clicking on the saved transaction preferences that sent Money to India account rather than my UK ICICI account. When I realised the mistake after 2 days I followed that up with a phone call to their phone banking officer and Email to [protected]@nri.com, highlighting the mistake and requesting the return of funds. I was given assurance since I had not sent appropriate reference No corresponding with the correct Money-India transfer the funds will be held in the bank and will be retuned to me within 24 hours.

Despite various phone calls and assurances, registering complaints, 2 service requests references and 7 Emails and 25 days later, I am still waiting for my money to be returned. All I keep getting is promise of funds transfer to my originating bank but no results. I have also registered a complaint to their customer services General Manager without any results.

What legal steps should I take to highlight the incompetency of this bank and its officers? I for one will be looking forward to ending all my banking relationship with this bank.

Details of complaint:

Dear sir,
I have a major big problem with ur credit card department service from (JB nagar branch andheri east).

My Credit Card Details- [protected]/other deatails u can get from ur office.

My compliants are-
1. MS/ Gayatri Parab from JB nagar Branch, had agree for my CC settlement in 28, 000rs only.( Full N Final setttlement). The deal was 28, 000rs - 6, 000rs = 22, 000rs only.

2. Gayatri Parab told me to pay part payment of 6, 000rs only of settelement amount. And after that she will relased my full and final settlement letter next day, and i will give her 4 PDC checks of 5.5rs.

3. I was OVOiDED from Ms/Gayatri Parab and from her colleges from past 7days, with insulting response from Gayatri Parab. I feel i had been cheated from ICICI. I had taken this case VERY VERY SERIOUSLY.

4. I had paid 6ooors in cash on 24th of April08. But still i had not received any letter. Gayatri Parab had given me in written that she is ICICI is agree with settlement amount, she has sign the letter also.

5. If i had will not get response soon then i will start Ovioding from next month if ICICI will call me for payment of CC. Then dont blame me for whatever action i will take for my settlement letter. I have all recored conversation of Gayatri Parab and Myself of settlement in my mobile. i have her signing letter also.

6. Reply me soon as possible

Thank you
Dinesh Agre

[protected]-
I had mailed you regarding my ICICI Credit Card settelment problem on May 3, 2008, you can see that mail below and your reply also...

i would like to known you that i had followed your mail and i had visited to JB Nagar Branch, but i had a bad experiance.

I spoke ot Aditi Naik on telephone, but she also very confused and she told me to talk to her colleges and let heim known everthing. i had given all details about my problem but i still had not reveiced any calls from Aditi Naik, from JB Nagar branch...

Now I am getting unrespected calls from J B nagar branch andheri e for payment. i am not against payment but what ever i had told by gayatri parab i want that settlement only. ICICI is blaming me for everthing but i am not taking this responsibility. ICICI bank is responsile for everthing.

Whatever settelment i had given by Gayatri parab she had been confirm by siniors.

this are the telephone numbers[protected] / Gayatri Parab told me this is my cell no. [protected]

Let me tell you again ...I got a proof ...i got a proof...

I got telephonic conversation of gayatri parab and myself regrading settlement

I got a written letter from gayatri parab regarding settlement...i[censored] want i can courier u or i can personaly hand over you a copy of proof...

I am taking this matter serioulsy

looking forward to here from u..

regards
dineshagre
[protected][protected][protected][protected]
Let me tell you all people who using credit cards or other services please record ur calls on mobile what ever u talk to these people. you have the proof to fight .
[protected][protected][protected][protected]

Our credit card machine is not working properly. we would like to get it inspected by ICICI authorised service agency. Please give me the contact number and address of the concerned person.

Dear,

So far I have not received payment statement for the month of June 2008. My C.C. No. is [protected].

Earlier, I had complained for same.

Hence, look into and regularize it immediately.

Sanjay Shah