ICICI Bank Complaints & Reviews

i have change my residance so please change my billing & residantal address.
new address: b/3, neelkanth avenue,
opp, maniba school, krishnanagar,
ahmedabad.

MY AC NO.[protected] HAS NOT YET BEEN ACTIVITED AFTER ELAPSED OF 10 DAYS. PLEASE ACTIVATE MY ACCOUNT AT EARLIEST

sir,

I have Using Icici Visa Credit Card No-[protected]. I have boking railway tiket for IRCTC 15/6/08 Delhi to Gujrat.But train was canceled same day. recived a mail from from IRCTC for refund the amount of your Credit Card. But Credit Card Statement Date 28/6/08.chargebal for Raiway tiket amount Rs.365. Why we have payment this amount.

Farward the mail IRCTC amount refund by Indian Railways Catering.

Sunday, 15 June, 2008 3:06:14 PM

Dear Customer,

Thank you for using IRCTC's online rail ticket booking services.
Refund instruction for amount of Rs.359.00 towards the refund due for the cancellation of Ticket vide PNR [protected] has been issued to electronic payment gateway on 06/15/2008 03:02:10 PM. Same shall appear in your account within two to three working days. You are requested to please check with your credit card issuing banks regarding the same. We regret the delay if any, in crediting back the refunds.
We solicit your continued patronage to our services,
Warm Regards,
[protected]@irctc

Thanks & Regards
Ashok Yadav

Mobile No[protected]

Credit Card No-[protected].

Plz need action for this Mater. I hoop

Hi
I am Muneeswaraiah working in wipro for last 1.5 years. I took home loan from ICICI bank in Jan-2007.That time my interest rate was 10.5 p.a. Due to the increase in home loan interest rates by RBI my interest rate got increased to 12% p.a.

Recently I got to know that ICIC bank is giving home loans at 11% a.p . Some of my colleagues also took the loan at 11% p.a.

I went and asked the ICICI people the same thing.why my home loan is at 12% and why for the others is 11%. They shoed me the bellow calculations
PLR(%): 12.75
Variance: -1.50
ROI(%): 11.25
They told me that when I took the loan that time the variance is 1.5 % offered for wipro.Now they are offering at 2.5%. So, those who are taking loan they will be getting at 11%.
And also they told me that if I want to change the variance to 2.5% I need to pay around Rs. 40, 000
I am not understanding why I need to pay for it.
now they are showing the following calculation for my interest rate
PLR(%): 13.5
Variance: -1.50
ROI(%): 12.00

Is this calculation is legal.
What ever I am paying is not a money?
Why the interest rate is high and why I need to pay for switching the interest rate?
Please help me in this regard.
Thank you
-Muneeswaraiah Perisetla

Observed very bad in finding very basic details like MICR for ICICI Secundrabad. There is no basic support on website detailing about the same. When tried reaching phone banking officer thru[protected], problem starts. If we choose option for giving new business (like taking loan, transaction for demat) these guys will help you like crazy, otherwise as an individual calling this number need to wait for atleast 15 to 30 mins. This is where the customers get bad diseases like hearing problems listening all junk adds and service information bank. The system will say response time is 90 seconds to 1 minute but you will end up hloding phone and listening to junk adds for 15 to 30 minutes. They have to either revise the website or they have to improve response time for customers who are seeking normal help.

ICICI since June 2008 has started levying a cash payment fee of Rs.100 on their customers who make credit card payment by cash plus there is a service tax fee of Rs.12.36 on the cash payment fee of Rs.100. Looks like ICICI is coming up with their own rules to fleece their customers. Is ICICI following some sets of norms set by a governing body which regularizes these types of stuff like the Reserve Bank or are acting on their accord to rob people??

This is the first time i'm coming across something like this as, as far as I know hard cash is preferred over the other types for payments.

Way to go ICICI...keep FLEECING

To
The Manager ICICI Bank
Credit Card Department
India


Sub: Bill Problem

Sir,
I hold a credit card of ICICI of the no.[protected]
I am getting bill from you side in with you putting Interest Charges Form the month Nov/Jan at that times I had not received bill from your side than I talk you call centre they told me that you pls amount without interest & he told me that they will remove the interest charges from my bill. T his same incidence happed with next bill at that time also I did same .now I am having latest bill with me in that bill I had not made a single transaction now my interest amount is left pls remove that interest charges from bill otherwise closed my card pls update me on my moble[protected], [protected]
thank you

by
R C Saini
Read comments

ICICIDirect offered me a standalone demat account number 35041366 under a special offer. I have requested them create new Trading and SB account and link it to the demat account. Instead, they created NEW 3 in 1 account. Now I hold 2 demat accounts under one DP. Customer Care is clueless on closing 35041366. I have nothing but runaround from one center to another.
In response to my complaint dated 15th April, 2008 in Speak Out - Deccan Chronicle, ICICI called me back and assured the duplicate Demat account (IN[protected] will be closed and there will be no charge. To my surprise, I have received a bill of Rs.661 for that duplicate demat that was supposed to be closed. The bill stated that the amount if not paid before the due date will be deducted from my SBI savings account. I request ICICI Direct to close out the duplicate account and stop following such unfair practices. If this continues, I have to close my Insurance product with you.

Regards,
Venu

I shamnad fazil, I have applied for a credit card at your bank
My first application, verification was done and after that one of your banking officers says that the application was lost. After one month I have applied again for credit card as per the bank instructions. Again all verifications and enquiries were finished and I have received a final call from the department saying that, this is the final call and the card will get approved. I did not get any kind of conformation. I called customer care number that officer says my office address missing or the office verifications not yet completed. What is this? These are the reasons telling to the customer?
Finally I sent a mail to ICICI Bank corporate office they started calling me from corporate office after wards one of the person called me from[protected], I bank) Trivandrum Branch on 11/07/2008 8:00 PM and His Name is Mr.Ajoy and he is asking me regarding my application and many more documents, my Passport copy, Driving License copy PAN card copy Mobile bill copy. I told him I can give you the all documents then he told me that I will call you with in a minute but He did not call me then next day after noon I use to call him for hand over the documents and he told me that I spoke to credit card division and they will sent a executive to collect the documents now all the documents I am keep ready from the date and no more executives came and collect it, yesterday 14/07/2008 at 2:30 PM I go to the bank I was standing out side and ring up above mentioned number more than 30 minutes nobody attend my calls and today 15/07/2008 morning 11:30 AM again I called Mr.Ajoy after that only he sent a executive to collect the documents. You are always using that words we will revert you with in 3 working days but now 5 days take to collect my documents then how you can tell that? Kindly please tell me that when it is possible to inform me the actual status of my credit card application.
I am not a person for kidding with ICICI Bank.
I am the account holder of the ICICI Bank, and I have insurance my vehicle with ICICI Lombard also last two years, and this is my credit card application number[protected] and my restarted credit card application number is SR71376936.
I am the Credit card holder of HDFC Bank, with what basis they had given me the cards and they had given me a smart service and I am so satisfied with their service
Tell me to whom I want to approach to get a better service, to HDFC or ICICI BANK?
If this kind of service you are providing to your customers, you are not able to survive in this field.

I applied for a Car Loan from Axis Bank . Axis Bank refused the Loan stating that my Name is appearing in the defaulters' list.
As informed by the Bank, my name is appearing twice in defaulters' list .

I am aware of one case where there was dispute going on with ICICI Bank for refund o[censored]ndue amount charged by ICICI Bank from my saving account.

However, I am totally unaware of the second case...

LOAN A/c LPLUD[protected]

THE LOAN WAS TOTALLY PAID / FORECLOSED ON 04JUL, 2008. EMI OF Rs.33030.00 AGAINST PAID LOAN WAS DEBITED IN OUR ACCOUNT ON 07JUL, 2008. ICICI BANK BRANCH AT FEROZ GANDHI MARKET LUDHIANA REFUSED TO ACCEPT COMPLAINT LETTER ON THIS MATTER ON 07JUL, 2008.
TWO LETTERS - ONE TO BRANCH AND ONE TO MUMBAI SENT THRU' SPEED POST BUT NO ACTION TAKEN TILL DATE. TALKED TO TELEBANKING OFFICER TODAY AT 15:00HRS ON LETTERS AND ASKED ACTION TAKEN IF ANY ON CANCELLATION OF FORECLOSURE AND RETURN OF PAYMENT OF THE ENTIRE AMOUNT OF FORECLOSURE WITH INTEREST - HE SUGGESTED TO GO AND CHASE THE MATTER WITH LOCAL BRANCH.

LOCAL BRANCH PEOPLE DO NOT GIVE ANYTHING IN WRITING WHICH IS OF NO USE.

Date-14/07/08

SUB:- Lodging Complain Against Frauds in London

I Diwakar Choudhary S/O Sri Chandra Kishore Choudhary, Reasidence-Vikramshila Colony, P.O-Tilkamanjhi, Dist-Bhagalpur(Bihar), India, Pin Code-812001.
I got an email from Mcvelly Richard on behalf of Sonangol oil corporation on 26th May 2008.They had advertised for the post of Mechanical Engineer and had asked me to apply for the same .Then I had applied for it .Vincent Griffey Contract Administrator, Sonangol Oil Corporation, London, U.K. had sent me the appointment letter 30th May 2008 as well as My contract papers on 10TH June 2008 & asked me to contact Mr .Wilson Savin (The Travel Agent) from Riptrax Travel Agency, London, U.K.
I had send an e mail to contact him. Then they had send me the work permit form .I had filled the form & send them .Then they asked me for the scanned copy of my passport as well as my wife’s passport .Passport size photograph &birth certificate of my three kids .I had send them all the above.
Then they asked me for 550 British pounds (Indian Rupees forty two thousand & Five Hundred)for processing of my work permit, visa & air ticket from India to UK .I had send them the above amount in their bank account in Maratha Mandir branch, ICICI bank, Mumbai (India) in the name of Jai Ram Karekar & his A/C No[protected]
Then again they asked me for 455 British pounds(Indian Rupees Thirty Eight thousand & forty ) for insurance of all my above documents .I had send them this amount in the same bank account .Then they advised me to contact the DHL express courier, London for shipping of my documents from London to my residence in India .Mr .John smith, the handling officer of the DHL couriers asked me for 380 pounds ( Indian Rupees Thirty one thousand nine hundred & sixty four)for the delivery of my parcel and promised me to deliver my parcel within 24 hours from London to my residence in India. They advice me to deposit the amount in Bakbay branch ICICI Bank Mumbai (India) in the A/C Of Asif A Sankha and his A/c No is[protected]. I had send this amount in above mention bank account in ICICI bank Mumbai (India) .Then I asked them, for the tracking no .of my parcel .The same day I read about the scam on internet regarding the fake Sonangol oil corporation London U.K. & Riptrax travel London U.K. .The next day the DHL couriers had send me an email stating that they had dispatched my parcel but the British custom force annex had seized my parcel finding it irrelevant.Then when I contacted the British custom force annex they asked me for 1205 British pounds for registering my processed & insured documents to the British custom force annex .But knowing about the fake I have not paid this last amount &found it wise to inform you about the frauds.
So I request you to please take legal action against all the above mentioned frauds who have cheated me & I want you to help me to recover all the amount paid by me i .e 1385 British pounds ( Indian Rupees One Lakhs Twelve Thousand Five Hundred & Four) as earlier as possible from the frauds.
I have already Lodge F.I.R in Tilkamanjhi police station( KOTWALI POLICE STATION, BHAGALPUR ) Bhagalpur (Bihar).vide case no-416 Dated-25/06/08.
I have already given them the details of the documents.
IF REQUIRED, I CAN PROVIDE YOU WITH ALL DOCUMENTRY PROOFS.
Awaitng Your Favorable Reply As Earlier As Possible.
Best Regards
Thanking You


Engr. Diwakar Choudhary
Permanent & Correspondence Address: -VIKRAMSHILA COLONY
P.O – TILKAMANJHI
DIST – BHAGALPUR (BIHAR)
PIN CODE – 812001 (INDIA )
MyPermanent Residence Telephone No. In India –[protected]
My Permanent Mobile No. In India - 0091-[protected]
My E-mail addresses (1) [protected]@yahoo.co.in
(2) [protected]@indiatimes.com

Sir,
Due to their technical problem my name was entered in CEBIL as delinquent and with out my concern and mode of payment they entered in to my savings account and debited more than 50, 000 rupees in a single month, account was opened by me but operated by icici people.
I wrote a mail to Mr.Bharath ACM( bharath.[protected]@icicibank.com) and Mr. Vaidyanathan (vaidyanathan.[protected]@icicibank.com) Mrs.Chandrika was coordinating for the same, I requested them to give an explanation letter how your people entered into my savings account and my name to be removed from CEBIL, but these were not happening so I kindly request to resolve this issue.

From: Chandrika Naidu-Head Service Quality-Mum <senior.[protected]@icicibank.com>
To: Laksmikanth G <[protected]@yahoo.com>
Sent: Monday, June 30, 2008 5:42:31 PM
Subject: RE:'ICICICARE=[protected]' ICICI Bank Ltd
Dear Mr.Gokarakonda,

We refer to your e-mail dated June 22, 2008 regarding your personal loan account LPCHE[protected].
As per our telephonic conversation on June 30, 2008 the total outstanding amount payable by you is Rs.19439.00.On receipt of this payment an amount of Rs.11296.00 would be waived off.
Request you to confirm one the payment is made for the needful to be done.

Sincerely,
Chandrika Naidu
Manager - Service Quality
Corporate Office.


Regards,
Lakshmikanth.G,
91-[protected].

Hi,

I am a manager with an IT MNC. I had taken a home loan from ICICI in June 2006. The rate of interest applicable then was 8.5 %. I was told that this interest rate is special for my company and was 1 % less than what other customers and banks were charging. Later on ICICI kept on revising based on RBI rate which is acceptable. But, the revision has now lead to a situation where the ineterst rate from ICICI is 1 % above other banks and .5 % above new ICICI customers. I was told that there will not be prepayment charges. I took that in good faith but now found that in the agreement they have mentioned that the prepayment charges will be 2 %. I now feel trapped with ICICI as they are charging very high rate as compared to market and are imposing prepayment charges. There should be some action against them.

Rgds,
Nitin

i have not done any tran. with icici prudential, and u show one trans. in my statement. and from last two month i connect with your custmer care person but they are not give me any right answar, and they meke me misgide when i call him then they make me on hold, and don't tack with me, they tell me thet we forward your call to my sinear, but they not forward, hafe n houre, i confram in icici pru. there are no policy activeted in my account . plese solve my problem and connect with me as soon as possible.
thanks
my credit card no is -[protected]

Dear,
I, Sameer Kulshreshtha. using ICICI Bank American Express Card since last feb 2008. But some time Back when I was check my online statement of my card its shoking for me. there is 20, 270 wrong transaction.
AT that movement I launch complaint In customer Care in ICICI Bank. but still bank people not intertaing me, sometime said sir it will take 60 days, sometime his system is blocked for routine check up not body entertain me so plz guid me or boooked my complaint against ICICI.
Thanking You!


Regards
Sameer Kulshreshtha
+91 [protected]

ICICI CREDIT CARD
TOTAL MAOUNT DUE : 37585/-
CHARGES ON THAT
LATE PAYMENT FEES - RS 564/-
INTEREST CHARGES - RS.1175/-
OVER LIMIT FEES - RS 500/-
TOTAL CHARGES : 2239/- ON 37585/- WHICH COMES TO 6% APPROX PER MONTH SO 72% ANNUALLY

THESE BANKS R MAKING LOOT UNDER WHITE COLLAR SYSTEM
CAN GOVERNMENT DO ANYTHING
IF NOT THEN PUBLIC SHOULD COMEOUT TO SOLVE THE ISSUE
INTEREST, LATE FEES SHOULD BE REASONABLE
& WHAT IS OVERLIMIT FEES, WHY DO U ALLOW TO CROSS THE LIMIT

ITS HIGH TIME TO SAVE INNOCENT PUBLIC FROM THESE CHEATERS

Hi,

I am using ICICI credit card for last 2 years, there were few transactions which i had made during the month of February and had converted those in to an EMI scheme which is provided by the bank for which the bank has already charged me. As per the conditions i am supposed to pay the equated monthly installments every month which i have been doing so since past 2 months. Last month the bank suddenly changed the dates on which the credit card statement is generated without any notification to me, so as per the bank am supposed to pay two installments together this month which is very difficult for me, i have to suffer even though i have paid the bank the processing charges for the EMI scheme because of the changes made by the bank. I had called the customer care and spoke to the manager but they are saying they cant do anything about it..Please help me with the same. Complaint number - SR72336373

The Senior Customer Care Manager,
ICICI bank


Sub : To get lost money due to ATM machine failure on account number #[protected]


Dear Sir/Madam

This is in continuation to several, telephonic discussions I have made in past 4 months . In this behalf I am writing this final letter in belief that my problem will be resolved this time.

In 19th March I have inserted my ICICI debit card no.[protected] to my nearest Corporation bank ATM Machine at Mayur Vihar Pahse 1. As I was in urgent need of money but due to machine failure I got an error that your request can not be processed . But later I came to know that my money (2000 rs.) has already been debited from my account.
On same day I called up ICICI customer care executive for the same, he told me that money will be credited to your account within one week but that doesn’t happen then after one week I called up again and they promise me that it will take approximately 45 days to resolve this issue.
And now its more then 45 days but no response from ICICI whenever I call them they always ask for another 45 days and give me a new request number.

I don’t know why icici giving such panic & harassment to their customer. Now finally i am sending my complaint to you as well as consumer forum.

Hoping better response this time.

Note: Latest request no:SR70236425

Thanks & regards
Rajesh Kumar
+91-[protected]

Date : July 4, 2008
Cyber Crime Investigation cell,
Annex III, 1st floor, Office of the Commissioner of Police,
D.N.Road,
Mumbai - 400001
Hi,
My name is Shanti Maiti. I live in USA - California for the past 11 yrs. I visit India often. I have an account with ICICI Bank Ghatkoper Branch. (Contact details :
Chandrashekhar Salian Regional Sales Manager [protected]
Chandrashekhar.[protected]@icicibank.com

Umang Shah Investigating Officer [protected] Umang.[protected]@icicibank.com

Jigar Anandpara Area Sales Manager [protected] Jigar.[protected]@icicibank.com

Rupa Chanda Assistant Manager [protected] Rupa.[protected]@icicibank.com

Customer service [protected] [protected]@icicibank.com
[protected]@icicibank.com

Cc:
Important Information:
My NRE A/C No.[protected] GhatKoper Branch India which was debited fraudulently.
MR. SHAKEEL AHMED A/C NO.[protected] : Which was credited.(FRAUD)
Transaction Code by which the money was debited from my and several other accounts.
BIL/[protected]/RAVI/NSP 100000/-
BIL/[protected]/RAVI/NSP - 96000/-
On 6/21/08. some one hacked their website (or ICICI bank has glitch in their program)and debited my account :[protected] for 196000/-.
On 6/23/08 I received a mail from Mr. Umang Shah asking me or my relative in India to contact him regarding Internet Fund Transfer .
On 6/24/08 As I was not sure if the mail was genuine and from ICICI bank, I replied to his email “What Fund Transfer are you talking about.?” Please contact me at USA no.
On 6/28/08 as I did not hear from him I had some doubts about the mail. So I tried to log on to my account through Internet but I could not log on as it was stating that my UserID is disabled. So I contact customer service at [protected]. Just to assure I asked the balance and was shocked to hear the balance. Then I contacted the Mr. Umang Shah - Investigating officer of ICICI bank, Rupa Chanda - Assistant Manager -they confirmed that my account as well as several others accounts were debited fraudulently.
I tried to talk to the Branch manager but she was not willing to talk to me.
Same night Rupa Chanda called me to assure that it was a fraud and my money will be returned.
From customer servise also they assured the same that I will get my money back.

Now they do not want to take any responsibility and do not even want to talk to me because they know its ICICI bank fault. Either ICICI bank has glitch in their Internet Banking or their internal IT employees are involved.
Since then I have been trying to get in touch with a responsible authority of ICICI bank as these customer care banking officers and the Branch Officer do not want to talk to us and disconnect my phone.
I want to lodge a complain against ICICI bank – Ghatkoper Branch as NO ONE CAN HACK A SECURED WEB SITE OF A BANK LIKE ICICI WITHOUT THE HELP OF ICICI BANK INFORMATION TECHNOLOGY DEPARTMENT.
Also please note that they came to know about the fraud on 6/23/08 and did not even bother to call me and confirm if I did that transaction. On 6/28/08 Mr. Umang Shah told me that when Mr. Shakeel Amed’s account [protected] was credited with lots of money from my account and several other account holder they were alert and kept a watch on his account.
I want to point out ICICI bank irresponsibility (On purpose as employees are involved in this) here is :-
1. Why they waited and did not freeze his account or questioned him immediately.
2. Why they waited till MR. Shakeel Ahmed took out all the money from his account.
3. In banking system whenever there are suspicious transaction like this an Alert Flag is raised and respective Team is informed about this so that they can keep a watch on it.
4. ICICI does not allow to withdraw more than 25000/ per day from ATM. In banking system there is a limit restriction to transfer money via Internet Banking. How cum my account was debited for 196000/.
5. Here again when his account was credited with tons of money why the team did not contact us immediately.
How cum these hackers do not hack our national banks. If these are hacker then they will hack any web site even the national banks.
Now ICICI bank does not want to take any responsibility. It seems there are lots of complain against ICICI bank with cyber police of Bombay . I spoke to the Inspector of Cyber Police and they confimed that they get lots of complain about ICICI bank.
Working as a systems analyst in IT of Bank of America we know that this kind of hacking is not possible without the help of ICICI bank employees.
These private banks like ICICI hire morally cheap employees who do this kind of hacking with partnership of outsider and get away clean.
I am also contacting the Finance Ministry and all possible authorities
Shanti Maiti,
2710 cimmaron ave,
Simi Valley California 93065 USA contact : [protected]
Bombay contact : Ms. Manju Sharma – [protected]
Jagdeesh Society, Rn. 22,
Jadusa Nagar, Ghatkoper West
CC:
1. Manju Sharma – Ghatkoper.
2. Darshit Chokshi - ICICI bank – New York Branch -
3. Indian Consulate – USA
4. USA Embassy – India
5. Aaj tak news
6. India Live News
7. Consumer Grievance forum of India
8. Ministry of Overseas Indian Affairs


Shanti Maiti