ICICI Bank Complaints & Reviews

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Please note that our employee Anjalai Vali K, bearing Pay Direct Card No: [protected] and Card Ref No: [protected] was unable to withdraw her salary from the ATM. WHen she inserted her ATM card in the ATM, the screen became blank and she was unable to withdraw her salary. She has tried the same at different ATMs but was unable to withdraw the salary. Kindly advise how can she withdraw the same. Thanks

i m not able to login for internet banking for my pay direct icici atm card account.

your card may be damaged. pls contact to ur employer and ask for replacement of card or call at customer care no printed on back side o[censored]r card.

Dear Sir,
I have planned to open a MLM company where in our company product promoters will
earn commissions and we have decided to pay it through PayDirect Cards... So how much
a PayDirect Card will cost and is there any concession if we get interms of 100 or 200 cards..
Give me details sir please..

Hi,
i have pay direct card please let me know how to access internet baking? without internet banking no use for me.

dear sir iam not able to access my internet banking please tell me the solution for this problem

I want pay direct card for my company staff..
Pls contact me at [protected] as soon as possible...
Thanks

I want pay direct card for my company staff.. is there any concession if we get interms of 100 or 200 cards..
Pls contact me at [protected] as soon as possible...
Thanks

I m not getting any responce from your side, can u contact me pls...
I want pay direct card for my company staff.. is there any concession if we get interms of 100 or 200 cards..
Pls contact me at [protected] as soon as possible...
Thanks

hi all,

if you want to login for your prop pay card. then you all can go through this url

https://iprepaid.icicibank.com/icicicsc/WebPages/Login.jsp

Note:- icici bank has changed their previous url to the above url. You can also check with ICICI bank

Dear All,

I have a pay direct card.& i want to take loan on my direct card.

Kindly gide me.

Regards
Vipin Kumar
[protected]
[protected]@gmail.com

hai,
this is muniraj from bangalore my pay direct card no.[protected], i want to know rs.2865/- is been credited to my account in the month of december but it is not yet been transfered can i know the status...

accually i loged a complaint regarding the issue but still no use...so please followon

regars
muniraj ([protected])([protected]@gmail.com)

Please call customer care mentined on back side of card or your local ICICI bank branch for further details

Yes, I also faced similar problem. ICICI bank did not check the system properly before it is making the feature live. The smsNcash system is utter failure, the money to whom I sent is unable to disperse the amount from the ATM and when I try to cancel the payment it is not displayed either in active / or withdrawn / or in Cancel. But the money is deducted from my account including service charge. If the mony is not withdrawn it should be listed under ACTIVE or if it is withdrawn it should be listed under WITHDRAWN or it is cancelled it should be listed under CANCEL, but no where it is listed. Where is my money??????

Guys beware. do not use smsNcash

yes I do agree with you.I also a victim of ICICI's brutal customer behaviours. This is the worst bank and I expect all Indians to understand the profit motive of this bank. Mrs. Chanda Kochar is getting massive salary by looting its poor customers like farmers and private sector employees. We Indians to understand the cheating behind this and should act against this united. I strongly disagree with RBI that they have control over all the banks in India. Finance minister to act very immediately against the brutal looting by ICICI bank in the way of Cheque book charge, Cheq bouncing charge, Debit card charge, etc etc..

I have used their sms n cash facility many times and i found it very helping. Also they are charging a very nominal service charge for the same. Never have i experienced any errors regarding the facility.

I had made the transaction through smsncash but payee is unable to receive the cash. Message appearing as Transaction blocked. it is very surprised that even my account has got deducted.

Dear Customer (Syed),

We would like to understand your feedback better. Please write to write to [protected]@icicibank.com with your contact number. Our official will assist you. Refer '141532' in subject line.

Regards,
ICICI Bank Customer Service Team

Dear Mr.Bapu,

We are sorry for the inconvenience caused. Please write to [protected]@icicibank.com with your contact details. Our official will assist you.
Refer '141532_aaad' in the subject line.

Regards,
ICICI Bank Customer Service Team.

Dear Mr. Joe,

Thank you for your kind words. Happy Banking.

Regards,
ICICI Bank Customer Service Team

Sir/Madam,
I, Shyam Jha, having a zero balanced salary saving account with Axis Bank,
Barakhambha br., c.p., delhi, my a/c no. is [protected]. I had deposited worth Rs.
50000/- in my a/c dated 09/07/09 & given a cheque to my broker M/S Bull Brothers for share
trading. I had used debit card last year but due to load shed my debit card holded in ATM
machine dated 04/02/09 (approx). I informed to customer care to block my debit card. After
this I have not used my debit card or issued my debit card with Bank. In the month of July'09
when i deposited Rs. 50000/- they charged all fine & a.m.c. cahrges. Due to that reason my
cheque bounced and i incurred losses in share. when i complaint it to axis bank customer care
then they reverse back all charges with taking responsibilty that this is their fault. My
complain no. is 9299750 in axis bank. I am not satisfied with this bcz i incurred losses in
share & also my credit damage in bank & with broker also. So, I want compensation for this
type of clerical mistake which damage my image & heart me.

Regards
Shyam Jha
Harassed Customer of Axis Bank

I had filed a complaint ag. icici bank home loan in banking ombudsmen of rbi. my complaint is sent icici bank, i had received a mail that they are responding on 16.12.2008.

nagesh ch.

ICICI Home Loan — No Reduction in Interest Rates.

I had taken a home loan 3 years back with 9.5% -10 %ROI and now the ROI is ?.I have not been informed about any change in intrest Rates by the bank. Only I ask for the provisional Certificate from the bank where i see the Interest Rate is Very high.The Bank is trying to fool the general public by Misguiding them.For any information required related to Housing loan the team doesnt have any information.Even the team dont know when the Interest Rate would be reduced.Everytime there is a change in Policy. My Opinion is that RBI should intervene into the private sector banking operations.My feeling is that Bank is trying to cover the loss due to Lehman Brothers .

I have a Home loan with HDFC bearing Loan Account No.[protected]. I would like to understand as when the PLR hikes, the ROI is increase automatically that too no information to the consumer. And if the case is visa versa, i.e. HDFC bank does not reduce the ROI automatically, I need to pay 0.5% of the outstanding amount to make the ROI reduced.
Then what is meaning of Floating rate of interest if the ROI is not maintained base on PLR ratings?

ICICI HOME FINANCE COMPANY LTD — loan interest

res sir,

i have took housing loan of rs. 5,50,000/-in jan,2005. from above company.
the company has given me offer letter,in that they had mention the fixed rate of interest,that
was 8.25%.
but after that they had made aggrement in that ,in my copy ,both floating and fixed both were ticked
by them.
subsequently since 2005 jan, the rate of interest increased by them, now i had inquired at above bank
they told presently your interest rate is 12%.
by this way i had paid till date more than 2.5 laks as interst .i have asked their officers,regarding reduce rate ,they told we can offer at the rate 8.75% ,but for that i have to pay 1.75% of pending
loan amount as process charge ,also i have to take another insurance policy,for that they had add
about 50,000/- more in the pending loan amount, for that i was not aware.
so ,again i went to the bank , told them ,not to process for the reduce rate,i was too much frustrated
,so i had filled up the request letter for closure,so i can try with other banks,who provides loan
at reduce rate.

i will request you, kindly advise me, in above case, as i am too much fadeup.

yours sincerley,

shravan kella
loan account no. LBABD[protected]

ICICI HOME FINANCE COMPANY LTD — No reduction in interest even after deducting processing fee

Dear Sir,
I have taken a home loan from ICICI in Oct 2004 @ floating rate. When interest rate became too much I went to them last year in Feb and they reduced it after taking 0.5% switch fee and making me sign a supplementary agreement.
When I went there again in May 2009, they asked me to apply as a new customer and pay 0.5% processing fee on outstanding loan amount.
Even after doing so, interest rate is same and when I wrote to their customer service, I was asked to meet their Regional Manager, who is now asking me to pay 1.93% processing fee to get the rate reduced and is expressing shock as to how my check for the processing fee paid in June got deposited in the bank. Clearly, someone from their office only has done it and ICICI should take responsibility for the same and compensate me, but they have the audacity to ask me to pay more!
Please...if you can help me to solve this problem and direct me about the necessary steps to be taken!

Dear Sandeep,

We're sorry to hear about your experience. Please write to us with your contact details and account number at [protected]@icicibank.com. We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

Dear Shravan,

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.

ICICI Home Finance Company Ltd — Regarding foreclosure of home loan

I have borrowed loan from ICICI Home Finance company ltd. for my home 2 years back. Now i am foreclosing the same. As today i read article stating discontinue of pre-payment penalty from NHB dated 18/10/2010 (ref no-NHB(ND)/DRS/POL-NO.36/2010. So in accordance i visited the ICICI branch. But they were reluctant to do so. They even denied receipt of any such circular from NHB. Now I am in a situation where I cant get any co-operation from them atleast. So what should i do???
kindly reply me as soon as possible
thank you

Hi,

We are sorry to hear about your experience with ICICI Bank. Please send us your contact details at [protected]@icicibank.com and we assure you that your problem will be taken care of. Kindly refer "923480" in the subject line.

Regards,
ICICI Bank Customer Service Team.

i have mailed from my email address [protected]@yahoo.co.in.

ICICIHome Finance — Harassment

I have taken home loans from ICICI Home Finance in 2002. further I also took the ICICI credit card, car loan and opened the bank account in 2002. Initially I was proud to be the part of ICICI family. ICICI is excellent in following up with customers but harass customers once the loan was reimbursed or the account was opened.

The harassment initially started in 2007 with the customer care of ICICI bank due to their rude, unprofessional behaviour, untimely attitude.

I went to ICICI DLF - 1, Gurgaon branch several times for some transactions. I have been harassed by the Branch Manager for one hour in public without any fault of mine. when I took this matter up with the higher authorities of ICICI Bank, no action was taken. I can provide the proofs of correspondence upon request.

In second instance, I went to ICICI Home Finance in 2008 to know why there is the difference in the home loan interest rates for new customers and existing customers. To my surprise, nobody bothered to reply. Still this query is left unanswered, why existing borrowers are paying EMI's for home loans @ 13.5 - 14% p.a. whereas for new borrowers home loans is available at @ app. 11% p.a. Why ICICI has not reduced the home loan interest rates inspite of the assurance from COO to the PM whereas other banks have reduced the same? There is some problem in defining the rules to handle banks. There should be same slab of home loan interest rates for new borrowers and existing borrowers.

In another instance, my CAR met an accident in 2008. When I called up customer care for insurance claim, they came for verification of damaged CAR after three days. I paid the money to repair my CAR inspite of its insuranc from ICICI Lombard.

I requst the Lagal authorities to take strict action against all ICICI units.

Dear friends, do not go to ICICI bank. If you have already chosen, prepare yourself in advance to prevent such kind of mishaps with you. I am avaialble at[protected] for more informtion to my friends.

Kindly refer to the complaint lodged by me on 6th Nov. 008 regarding various issues with ICICI, I received numerous calls from ICICI. But to my surprise, instead of resolving the issues most of the persons asked whether I have lodged the complaint in the consumer court or not. Further instead of resolving the issues mentioned in my previous complaint dated 6th Nov. 2008, ICICI is just revolving around the bush.

I request ICICI to take strict displinary action against the Branch Manager of ICICI DLF Phase - I, Gurgaon Branch.

Although I am not expecting any justice for my cases, but I do not want anybody else to be trapped in similar cases with ICICI.

I request the concerned authorities to tighten the norms for ICICI bank which are in the interest of consumers.

I further request ICICI to resolve all the issues mentioned in my previous complaint dated 6th Nov. 2008.

Dear friends, I request you once again to give hundred thoughts while choosing ICICI. I can be reachable at[protected] or at [protected]@rediffmail.com.

TARVINDER SINGH

I want to complain against Mr Mohit Sharma, Emp No 130914, located in Green Park, N Delhi branch who insisted me to change my pre emi plan loan into emi plan by persuading me to sign documents for the same and loan will be downsized for the amount disbursed and undisbursed loan would be resanctioned for the same projects. I have now received the demand letter from the builder and nothing is there to get the cheque for the same. This is something which i was not interested but due to malafide intention of the employee of ICICI, I now feel trapped in the same. I would like to know from where i can get the assistance for the same.

Please write your complaints by email to "senior.[protected]@icicibank.com"
Do not forget to CC your story to "chanda.[protected]@icicibank.com"
Or if you are in Mumbai you can contact directly Chandrika Naidu @[protected].
My issues been resolved in 4 days, when I contacted above people.

i have started SIP through icici direct.
i am not getting my quaterly statement
so please help me

Really ICICI is a team of Cheatters, all new empolyees specially trainned how to Cheat customer for making more revenew for Bank.

I fully agree with the above complaint. In fact during my tenure of 5 year loan from ICICI I changed my agreement twice (after paying a processing fee @ 0.5% of outstanding amount) to take the benefit of the reduced rate. ICICI policies are not transparent and they follow dual standards i.e. with new and existing customers.

ICICI Bank Home Loan — Home Loan FIR keep increasing but never comes down for OLD CUSTOMERS

I have taken home loan from ICICI Bank with interest rate of 9.5% with floating rate in Oct. 2006 for 20 yrs tenure.
Loan Amount-1710000rs, EMI- 16024rs, Tenure- 20yrs.

Now, periodically when the interest rates went up they increased my floating rates.

And today i am paying with interest rate of 13.5%. for 42yrs with increase in tenure & even EMI.
Loan Amount-1710000rs, EMI-19070, Tenure- 42yrs.

Now, the main story...
when the market came down from last 6-months they are offering interest rate of 11.5% & surprisingly they are offering for only new customers to attract them.
I am still paying with 13.5% interest rate. Nothing has happened even after visiting the bank.
They have their policy when the interest rates go up they increase it but when the rates come down they don't lower it on floating rates for OLD CUSTOMERS.

ICICI bank never told me about the policy that they never lower down the interest rates for old customers when the interest rates go down while taking Home Loan from them.

So, what is the meaning of floating rate i have taken from the bank...
I could have gone for the fixed interest rates that time which i was getting for 11.5%

I HATE THIS BANK POLICY
SO NEVER TAKE A HOME LOAN FROM ICICI BANK LTD!!!

I am SIVAPRASAD, I taken the homeloan @9% present they are charging 13% none of the bank is charging this much rate. Whenever increse the rate RBI the bank immediately increse but when RBI decrease the rates forget the existing customers. They attaract the new people with some of lower interest rates. what is the meaning of Floting rate in ICICI bank scenario. Ultimate aim is how to cheat the customers. They robbed the people.

Absolutely agreeing with the fact.REQUESTING EVERY ONE NOT TO TAKE HOME LOAN FROM ICICI BANK.

They are the cheaters in there each and every services and Products I am surprised why RBI is not making any tough decision against them

Even i have the same problem without any confirmation icici lombard insurance emi was paid thru my icici credit card now i am going for settlement where iam finding huge amount for settlement which is very difficult to pay...

Since I have repaid the total amount of the credit card no.:
1. [protected]
2. Add on, if any
I request u to kindly cancel the above mentioned credit card(s) and inform me immediately.

ICICI Bank — forcibly gave me insurance policy

Icici is such a disgusting company.They cheat their customers by making false promises.Once I got a call frm credit cards dept saying that due to my regular payments I am offered an isurance policy.I said him that i dont require the policy but he said that it has been issued on my name and it can be cancelled only after i get the docs and he even said that ur voice request for the cancellation has been recorded and i the blocked amount in the creit card would be reverted in 2months.
After 2months I have even waited for 2 more months expecting it to get cancelled but it didnt happen n when I called them back they said that dept no longer exists there and they can take the request now and i had to pay huge amount for the cancellation as wel..this is how private banks works..they somehow want to sell their policies.For that they dont mind playing these cheap tricks.I am jst one among the victims.There could be many more so jst watch out guys if any bank calls u offering u some policies or cards.

Dear Divya,

We are the customer service team at ICICI Bank and are sorry to know about your experience.

Please email us with your contact details and credit card number at [protected]@icicibank.com (Subject line: UID 314154). We'll contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

dear sir,

i want my pin number change kinly assist me who to apply for my new pin number

This is Deepak from Chennai. Whatever you told is absolutely true. I also took loan in ICICI in 2006 @ 7% pa but now repaying at 12.5%. When the bank increased the rates when other banks did, it is liable to decrase the same as well when other peers do.
Also RBI has no control with any of the banks. The concept of "floating" means fluctuations as per market conditions. Now the banks are reducing the interest rate for new loans but nobody is caring for existing loans. The concept of "floating" doesn't make any sense at all.
Now that you are an existing ICICI home loan customer, you can avail a new interest rate of 9.75%. The details of the same are given in the link below
http://wealth.moneycontrol.com/features/home-loans/rate-war-icici-drops-home-loa...⇄


Regards
Deepak
[protected]

ICICI — excess bill for credit card of icici bank

I have use my card and make payment with in 45 days for that bank is telling interest free but they raised the bill of excess by about rs. 5500/- and after one month they make it about 7500/- so by which rate of interest they are making it i don't under stand please make me clear all the used-up amount and amount paid by me and rate of interest the bank is charging .and why the bank has paid the amount of rs 1857/- to the make my trip 2/3 emi principal whereas the full amount of air ticket was paid one time by my card .please clear all the point and i donot want this card facility till all the things will not be clear to me.

Dear Mr. Nirmal,

Kindly write to us at [protected]@icicibank.com, with the subject line as ‘Customer Service – Credit Card’. Request you to provide the relevant details of your card, 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

Dear Sir,
Request you to please send a person to collect my pending dues urgently
My credit card Number is [protected]
my address is No:5/3 Mada Church Street Royapuram Chennai - 13
My Land Line No is [protected] Mobile No is [protected]

Sir a person had come to my house last week for the pick up when I was not at home
Kindly request you to please send the person at 6.30 PM onwards at the earliest

Regards
Victoria

Credit Card — leakage of information from bank

i just want 2 complaint about the leakeage of information from bank to other.one unknown person called me and tell me about my card update he has all the information about me which was provided by me only to bank. He then cut my card in front of me and next day he is done with shopping of 41000.i am just messed up in this case. i am really dissapointed by the poor service of bank. i just want to know i[censored]r bank cannot keep information in private with them why they call them secure hi technology bank.i really wannt to take action in this case where an certain person from open market get my information from bank and help to make a prank on me causing me suffering loss of 41000.i want the higher authorities to have a strict action on my case.

Faulty notes withdrawal (18 Notes of Rs.500 each Total value Rs.9000)

Hi,

I am a customer of ICICI Bank and my account no is :[protected]. I have done an ATM cash withdrawal on 14-April-2016 18:57 at Mohan Co-operative Sony building ICICI Bank ATM in New Delhi-110044. I got 18 faulty notes of Rs. 500 each note and nobody is ready to take this type of notes. All are torn and stiched by tape and glue. Bank is also not accepting those and suggest to register complaint to customer care but I have loose my patience when customer care said that there is no any option or procedure to register this kind of complaints. Seriously this is pathetic and I am fed up with this kind of activities.

Thanks,
Karan Prince
+91-[protected]
[protected]@outlook.com

Dear Customer (chitresh),

We regret any inconvenience caused. Our official will get in touch with you. We appreciate your patience.

Regards,
ICICI Bank Customer Service Team

Credit Card — Customer service

Hello
I am using Gold Plus card of Axis Bank
On receipt of my 1st statement I came across certain additional cost added
I have sent e-mail to customer care twice and asked for clarification but no reply
I have even asked for the payment across counter in axis bank near my office but no reply.
What sort of service can I expect from the bank where I am thinking of long term relation with the bank
Expecting your reply
With regards
Sagar

Parveen Sharma — Misuse of my credit card

my citibank credit card no. [protected] has been missued by parveen sharma, shop no. 04, opp indira market, sector-27, noida, uttar pradesh 201 301, mobile no. [protected] as per tax invoice no.[protected] dated 03.03.2008 for rs. 27140.00 and tax invoice no.[protected] dated 21.02.2008 for rs. 13730.00 issued by future bazaar india limited, mumbai, maharashtra-400010, these bills arranged and sent to me by citibank for payment.

but, i never have used my credit card in e-shopping, further i wish to inform you that these transactions have reversed earlier by the bank, but today i got a letter with attachments for debiting the earlier temporary credits.

please suggests me what i do, should i go with the police, because i am not in a possition to pay or bear these wrong debits

Ram Dhan Dhiman
citibank credit card no. [protected]
C-30, Sector-10, Noida 201 301

Personal — ICICI CREDIT CARD

Dear Sir,

Goodmorning!

The grieveince is regarding settlement of my ICICI credit card number [protected]. Sir, I rahul Jhaveri residence of Ahmedabad need to address my complain as under

1. I was Holder of Above mentioned credit card and due to some financial constrainsts I was not able to pay in Big amount. I use to pay in small amounts. Than It was decided ( mutually agreed) between mysefl and ICICI customer care - Ahmeabad office for the settlement of the same. The amount agreed was INR 38000 / - in 2 instalmentsas under

Immediate cheque of INR 4000/- &
1st cheque: INR 15000/-
2nd Cheque: INR 19000/-

The cheque of INR 4000/- got cleared as per the schedule, but they also debited extra 10240/- from my account without any intimation. Than after when I contacted them they regreted the same and then told me replace one of the cheques. even after such mistake from their side I agreed to do so. But due to reason known best to them they never turned up to get the cheques replaced. even after lot of follow up from my side they did not turn up. One fine day when they found time, MR. Nishants from Ahmedbad office cals me that he is depositibg the cheque of INR 15000/- as it was due, I rather tols him to deposit INR 19000/- and told / reminded him to get the other cheque of INR 15000/- replaced with cheque of INR 4760/- which I was liable to pay. The cheque of INR 19000/- too got cleared. Than fater I caled up Ahmedabad Represenatives many times but they never turned up get the cheque replaced.

Than all of a sudden my account is debited with INR 11000/- instead of INR 4760 for no reason.

Now in this whole case where is my fault???

I have sent them mails for the same and can be sant to you if needed.

I have requested them to credit my acocunt back for the excess amount they have debited, that too without any intimation. All thier repsentative had been contacted by me.

1. Mr. Ashish Park
2. Mr. Nishant &
3. Mr. Amit - ( whi has now left ICICI)

Can you please help in getting my money back?? Also please advice where can i send all the communications done till date with ICICI??

Looking forward towards your help!

Thanls & regards

Rahul Jhaveri
[protected]

ICICI Credit Card — Misleading the Customer

Hi,

I had a Credit card of ICICI and was using from last 2 years. In between i got a Imint card. Then i thought to get my reward points in Imint (and ICICI is offering the same) in future. For that i requested them to transfer my Points old/new to my imint card. They said that your card is not fulfilling the requirements for that and you have to take a new card (Gold Credit Card of ICICI) .Then i got agree to take that and i got it also. After some time i noticed that still my points are not going to my Imint card which i am earning now. then i again contacted them and told the whole story. Then they told me again that your card is not fulfilling the requirements for that because that card was given to you as ad on card under the old card and we can't transfer your points to Imint. Then i was feeling like fool that they wasted my 4 months in this processing and now again the problem is same for me. I was thinking that was it the way of marketing of their card. On the last conversation with Sanjoj from ICICI he straight way said that we can't do this and the talking manner was very rude and he accepected that "the mistake was done from their side."
Now if they commited a mistake then why a customer should suffer for that.
I have all the mail conversation of each and any stage. Please help/suggest me on the same.

Thanks
Rajiv Tuli

please cancel for Rs 30000/- (Rs. Thirty thousand only) on 29.04.2009 in my card no [protected] ref no 74477489120012469797256 for icici prudential life insurance
this is for your kind information and oblige
thanking you
yours faithfully
k.krishna

Dear Manager,

I am trying to reach to ICICI Bank customer care to resolve my credit card ([protected])issue...but Im unable to reach to you, either through your email ID [protected]@icicibank.com, since message delivery failure is reported and even through phone banking, they need PIN number, which I do not have since I dont use this card anymore. Below is my chail of emails, which i followed up from last year to resolve the issue, whereas the same is not addressed till now.


----- Message from T K Kumar <[protected]@apac.ko.com> on Sun, 17 May 2009 11:29:51 +[protected]
To: [protected]@icicibank.com
Subject: Fw: 'ICICICARE=[protected]' Fw: Hi..

Hi,

Please look at the below chain of e-mails, which I continued to pursue with your bank to settle my credit card account, but it is very unfortunate that even after repeated follow ups by the customer itself, no initiative taken to address the customer concern till now. Due to my job profile which entails very busy schedule along with travelling, i could not follow up on this issue and i assumed that ICICI bank would be more interested like me to close this issue soon. I realized few days before, when again i was applying for some credit card, and i was informed that my name is in CIBIL as defaulter, then it made me to realize that this issue is still open. Reviewing my previous e-mails revealed that post my email during August 2008, no reply from your bank or any grievance redressal action taken by ICICI bank till now.

I reiterate that I understand that If the card is used, then customer has to pay the same and as a genuine customer I will honour my liabilities with respect to the actual amount of card usage but why should I pay the liability posed on account of penal interest, late payment interest and compounded interest charges and other charges etc since I never received the statement of account since December 2004 onwards and neither i was aware of my actual liabilities (however you have already collected almost Rs. 21K during previous year from my parents from the card limit of Rs. 34K), in fact even after my followup with your bank for more than a year, I have not received any statement of account. For the complete issue...you may see in my below emails and hoping that your bank will listen and take the merit of customer concerns in resolving the issue.

I would like to mention again that Iam still a customer of ICICI bank by way of ICICI housing loan and I have been honoring my commitments promptly without any delays.

Please please please ...expedite this..im fed up already by this and wants to close this chapter. pl help me in closing in this asap. You can reach me over e-mail or at the below number (after 6.00pm).


Regards,
Kiran Kumar T
Associate Manager - COBC
Mobile[protected]



CONFIDENTIALITY NOTICE
This message (including any attachments) contains information that may be confidential. Unless you are the intended recipient (or authorized to receive for the intended recipient), you may not read, print, retain, use, copy, distribute or disclose to anyone the message or any information contained in the message. If you have received the message in error, please advise the sender by reply e-mail, and destroy all copies of the original message (including any attachments).

----- Forwarded by T K Kumar/IN/APAC/TCCC on 05/17/2009 10:47 AM ----- From: T K Kumar/IN/APAC/TCCC
To: "Customer Care" <[protected]@icicibank.com>
Date: 08/12/2008 12:15 PM
Subject: RE:'ICICICARE=[protected]' Fw: Hi..



Hi,

Iam still waiting for your response on the below issue and it is more than 3 weeks from your last mail. Because of no genuine reason, my name is appearing as a CIBIL defaulter which you have to let me know how to clear the same.


Please expedite the case so that can I close this issue.


Regards,
Kiran Kumar T
Associate Manager - COBC
Corporate Audit Department
Coca Cola India
Mobile[protected]


"Customer Care" <[protected]@icicibank.com>
07/19/2008 05:39 PM

To
T K Kumar/IN/APAC/[protected]@TCCC
cc

Subject
RE:'ICICICARE=[protected]' Fw: Hi..








Dear Mr. Kumar,

We inform that we have initiated a request for the settlement of the card dues with the service request number SR73480880.

Your request will be processed on or before July 28, 2008.

We like to inform that customer's name will never be removed from the CIBIL list even after the payment of the dues.

However, the repayment string in the CIBIL will be updated with the payment details.

Looking forward to your kind co-operation.


For your safety DO NOT:

Never give away your card details or account details in response to mails that offer free gifts or lottery winnings.

Sincerely,

B Upendra Kumar
Customer Service Officer
ICICI Bank Limited

Credit Cards Fees structure is changed w.e.f. 1st June, 08. For details visit www.icicibank.com>Personal Banking >Cards> Credit Cards > Most Important Terms and Conditions.

Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking >Cards> View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records. To do this, please download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

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


-----Original Message-----
From: T K Kumar ([protected]@apac.ko.com)
Date: Thursday, July 17, 2008 11:23 AM
To: Customer Care ([protected]@icicibank.com)
Subject: RE: Fw: Hi..

Hi Madhavi,


Iam surprized to get this kind of response from you wherein you have not at all addressed about the issues i have reported and what course bank is going to resolve the same. Does this mean that ICICI Bank do not want to listen to customer concerns and resolve the Issue, if so please let me know, then I may resort for other course where my grievances will be listen. The liability you have mentioned is not acceptable on account of the reasons I have earlier mentioned. I do understand that If the card is used, then customer has to pay the same and as a genuine customer I will honour my liabilities with respect to the actual amount of card usage but why should I pay the liability posed on account of penal interest and compunded interest charges and other charges etc since I never received the statement of account since December 2004 onwards. Further the payments which you have received so far was just 5% of the balance (minimum amount), I hope you must realize the fact that nobody would like to pay 5% minimum continously and then take a 2.95% interest permonth on the balance which effectively nullifies my payment and this happened due to the fact that I was never informed about the actual liability, other wise I would have paid the entire amount in lumpsump and the 5% amount was automatically unknowlingly got deducted from the ICICI account balance.

Further you have not also mentioned the reason for withdrawl of my request for removal of my name from CIBIL. I need to close this issue and also make sure my name is removed since the reason for non payments are already explained below.

I have tried to contact Mr. B Godi at the number given below but either I am getting phone to be always engaged or no body picking up the call. I have to resolve this issue on a priority and hoping to listen a positive consideration on the my issues.


Regards,
Kiran Kumar T
Associate Manager - COBC
Mobile - [protected]




"Customer Care" <[protected]@icicibank.com>
07/14/2008 06:38 PM


To
T K Kumar/IN/APAC/[protected]@TCCC
cc

Subject
RE:'ICICICARE=[protected]' Fw: Hi..










Dear Mr.Kumar,

We regret our inability to accept your request for removal of name from CIBIL and we inform that credit card account 5177 XXXX XXXX 9009 has been deactivated and amount outstanding of Rs. 89, 979.26 is payable by you.

. We request you to contact the collections manager at the following address for settlement of dues on your credit card account.

Contact Person: Godi B

Contact Address:
ICICI Bank Ltd, Jvl Towers, Opp State Assembely, Saifabad, Hyderabad-500004

Contact Numbers:[protected]

For further clarification, please contact us through the "E-mail Us" option at our website, www.icicibank.com.

Sincerely,

Madhavi G
Customer Service Manager
ICICI Bank Limited

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records. To do this, please download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.



-----Original Message-----
From: T K Kumar ([protected]@apac.ko.com)
Date: Saturday, July 12, 2008 10:18 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Fw: Hi..



Hi,

This is in continuation with the below mentioned e-mail for which I am still expecting response you. This is to mentioned that I have got shock last month when I have approached for a car loan from HDFC bank and they informed that my name is appearing as default customer at CBIL on account of this credit card. How can you do like this with a customer who is associated with your bank since many years and also promptly remitting all other dues (housing loan, Personal loan ) and also my wife's housing loan. This is ridiculous instead of resolving this issue, you have effected my credibility in the market.

Please please and please resolve this issue and also required to take back my name from CIBIL as defaulter.

Further once again iam giving my contact details below:

T. Kiran Kumar
Flat No 153, Abhiyaan Apartments,
Plot No 15, Sector 12, Dwarka
New Delhi - 110075

Please let me know if you need any other information from my end. Expecting early response from your end and a early resolving of this issue.


Kiran Kumar T
Associate Manager - COBC
Mobile[protected]

----- Forwarded by T K Kumar/IN/APAC/TCCC on 07/11/2008 06:50 PM -----

T K Kumar/IN/APAC/TCCC
06/11/2008 06:49 PM


To
[protected]@icicibank.com
cc

Subject
Fw: Hi..


Hi,


This is with respect to my ICICI bank credit card No. [protected]. I have deep concerns on the dues reported against this credit card which is not yet resolved so far. This mail is being written with utmost expectation that the concerns of your customer is heard.

The above mentioned credit card was issued to me sometime during 2004, post November 2004 onwards, I shifted to Bangalore city and accordingly I have communicated to ICICI customer care about my change of address, however no actions was taken since then I have not received a single statement of account so far. As a matter of fact, I hold several other credit cards as well and based on the statment of account I am clearing all my dues however with respect this card (a) I think i have used this card not more than twice or thrice so far (b) never got to know the amount due since statement of account never send, hence I could not make the payments, however to my surprise, the ICICI bank has never took up the issue of non payment since 5% of the minimum card due amount was always being debited to my ICICI account (may be that this card has ECS facility) and I was not aware of this fact untill 2007 when the balance in this account was not sufficient and ECS did not happened and ICICI bank associates had touched base with my parents. The point I want to meniton here is that my salary account is with HDFC from Decemeber 2004 onwards and I used to transfer certain funds for my parents on a monthly basis to my ICICI account and I never reviewed this account balance hence the above fact of 5% ECS debit remain unknown to me.

During August 2007 end, ICICI collection associates had called up my parents for the amount due and they provided my contact details of Delhi, when they had contacted us, we asked for the statment of account, since we were not aware of the balance to be paid, they provided false promise of providing the complete details only after remitting the current month minimum due and colletion cash of Rs. 6200 but again i have not received the statment. Once again for few months the minimum amount got automatically debited from my ICICI account and later when I realized that why the account balance is short even after transferring the funds and I stopped transferring funds to ICICI account since even on my repeated request I have not got the statement of account and your bank has utilized the facility of ECS. Then again ICICI assocaite had approaced my parents, instead to me for making payment and we again requested us to send us the details, but they once again given false promise to send the details but only after reimitting the minimum balance of Rs. 6100 and I asked them to use ECS for that month (ie. January 2008) since I will make the funds available. But even after receiving the funds the story remain the same.

Later there was numerous calls happened between you bank associates and myself and in every call I have requested them to atleast send my a email copy of statemnt of account to my know principal balance and also the complete mailing address of delhi . I also informed that I will not be paying any penal interst charges and any other levy since I was completely unaware of the balance. Also given my mobile number, email ID and address of communication of Delhi. But since as a genuine customer i was expecting a positive reponse but instead of that suddently i got a call stating my due are 74K, and I need to payfor it and no details were provided.

Please find below the email which was send to Mr. Satish, Collections manager and where in I have written first email based on the limited knowledge about the above issue (as I did not have any details with me) and on the same day Mr. Satish had checked the details and accepted that the statement of acccount was not served to me hence he forwarded a monthly details just from July 07 onwards. It was surprise to me that my card limit is Rs. 34000 whereas my liability was Rs. 74K. I request him to provide the my principal due but he could not provide the same. Since it is pretty evident the balance which has gone up to 74K is only the interest, penal interest and compounded interest. He offered my that he had reduce 22K from the current balance and pay Rs. 52K. I am very surprised that even after remmitting unknowingly Rs. 21k (Jul 07 to Jan 07) my principal has not reduced due to the inappropriate debit of compunded interest charges. I requested him to let me know the principal due amount which I will pay and would like to close the card since I am not at all using the same and infact this card is adding mental tension to my parents since you bank is always calling to my parents intead to me. But he expressed his inability to do any further on this and suggested to write e-mail to customer care. Hence forth I am writing this e-mail but the reason for delay in sending this mail is that my job entails frequent travelling to all over India hence could not send it immediately post discussion with Mr. Satish.

I would also like to mentioned that I am a customer with ICICI bank with almost 8 years and this is first time where I am facing very bad time. With respect to my credibility, I have promptly repaid a personal loan taken from your bank, further I have preclosed a Rs. 11 lac housing loan within two years (where the tenure is for 20 years) further I still hold a housing loan (Rs. 15 lacs) for which Iam remitting Rs. 15371 per month very promptly.

Request you to please look into the matter and expect to listen soon a positive response. Hope you will consider your customers greivance.


Regards,
Kiran Kumar T
Associate Manager - COBC
Mobile[protected]

----- Forwarded by T K Kumar/IN/APAC/TCCC on 07/11/2008 05:42 PM -----

T K Kumar/IN/APAC/TCCC
06/04/2008 02:27 PM


To
sreeramulu.[protected]@icicibank.com
cc

Subject
Hi..











Dear Sreeram/Satish,

This mail is from my official E-mail ID. As discussed with you about the non reciept of statement of account from more than 9 months even after giving the new address, E-mail ID and telephone number. This is to mention you again that last three/four payments which were collected from me were based on the false committment from your staff that the details will be provided later. I have received many calls during last three to four months and even after repeated mentioning that I need the details of my dues since I have not used this card from last one year, but till now nothing has happened. This is the request to send me the clear details of principal amount due on my card with date of transaction to understand it better.

Hope you acknowledge the above and as a esteemed organization would listen to the customer concern.



Thanks and Regards,
Kiran Kumar T
Associate Manager - COBC
Mobile[protected]

Dear Sir,

I Shibu Paul going to use my ATM Card no: [protected] in your ATM Counter on[protected], I put my password and withdraw amount of Rs, 3000/=, money will come but as soon as the money return to your to your machine back, I cannat collect my money, bur the balance have cutted off, my a/c no:[protected] in the name of Shibu Paul, Dhekiajuli, Assam,

Sir, kindly deposit my money in the same of my account

Shibu Paul
Dhekiajuli
A/c No:[protected]

Dear Sir,

I Shibu Paul going to use my ATM Card no: [protected] in your ATM Counter(Tezpur, Assam) on[protected], I put my password and withdraw amount of Rs, 3000/=, money will come from machine but as soon as the money return to your machine back, I cannat collect my money, but the balance have shown Rs 3000/= have deducted, my a/c no:[protected] in the name of Shibu Paul, Dhekiajuli, Assam,

Sir, kindly deposit my money in the same of my account

Shibu Paul
Dhekiajuli
A/c No:[protected]

To
Customer Service Manager
ICICI Customer Care

Dear Sir,

Reference to my prevoius letter still I have not got any information about my ATM Card no: [protected] in your ATM Counter(Tezpur, Assam) on[protected], I put my password and withdraw amount of Rs, 3000/=, money will come fromyour ATM machine but as soon as the money return to your machine back, I cannot collect my money, but the balance have shown deductedof Rs 3000/=, my a/c no:[protected] in the name of Shibu Paul, Dhekiajuli, Assam,

Sir, kindly deposit my money in the same of my account at the earlies & oblige.
Thanking You

Shibu Paul
Dhekiajuli
Mobile No: [protected]
A/c No:[protected]

Dear Manager
ICICI credid Card,

Dear Sir,

Sudha Rani.M Customer Support Teamb ICICI LOMBARD intimated thrice that Rs. 17549/- refunded to my credit card account Number :[protected] on 10-Oct-08. But I have been informed that that have accoutfor. I have been informed that my balace amount Is Rs. 9075.14. I have use the in any other transjaction. How Rs. 9075.14 is due in my account it is better known toyou. Every month I am paying montly amout. Rather my money in your account. You should refund with interest. I could not understand where the my money goes. In support I have enclosed the copy of mail recived from ICICI LOMBARD. Please look in the matter and settel the matter very early. In the mean time i received a call from your end that my card has been blocked and to pay Rs. 9075.14. Once again I request you to settel the issue.
Copy mail receive from ICICI LOMBARD deffent date enclosed herewith.


RE:'ICICILom=[protected]' Non - acceptance proposal for health policy Inbox
CustomerSupport Mon, May 11, 2009 at 4:27 PM

SWAPAN MAJUMDER Wed, May 20, 2009 at 10:50 AM

CustomerSupport Tue, May 26, 2009 at 3:20 PM

SWAPAN MAJUMDER Thu, May 28, 2009 at 3:46 PM

CustomerSupport Mon, Jun 1, 2009 at 4:41 PM
To: [protected]@gmail.com
Reply | Reply to all | Forward | Print | Delete | Show original
Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
your policy has been cancelled and refund has been processed, we request you to please check your october 2008 statement, so that you can find the refund details.
Please find the refund details below
Refund Date : 10-Oct-08
Refund Amount: Rs-17549/-
Refund Mode : Credit card
Credit Card Number :[protected]
For any further assistance, please feel free to write to us.
We thank you for your patience and co-operation.

RE:'ICICILom=[protected]' Non - acceptance proposal for health policy Inbox
CustomerSupport Mon, May 11, 2009 at 4:27 PM
To: [protected]@gmail.com
Reply | Reply to all | Forward | Print | Delete | Show original
Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
With reference to Your mail we would like to inform you that, your policy has been cancelled and refund has been processed as per your request.
Please find the refund details below
Refund Date : 10-Oct-2008
Refund Amount: Rs.17549/-
Refund Mode : Credit card
Credit Card Number:[protected]
For any further assistance, please feel free to write to us.
We thank you for your patience and co-operation.
Regards,
Sudha Rani.M
Customer Support Team

Reply | Reply to all | Forward | Print | Delete | Show original


SWAPAN MAJUMDER Wed, May 20, 2009 at 10:50 AM

CustomerSupport Tue, May 26, 2009 at 3:20 PM

SWAPAN MAJUMDER Thu, May 28, 2009 at 3:46 PM

CustomerSupport Mon, Jun 1, 2009 at 4:41 PM
To: [protected]@gmail.com
Reply | Reply to all | Forward | Print | Delete | Show original
Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
your policy has been cancelled and refund has been processed, we request you to please check your october 2008 statement, so that you can find the refund details.
Please find the refund details below
Refund Date : 10-Oct-08
Refund Amount: Rs-17549/-
Refund Mode : Credit card
Credit Card Number :[protected]
For any further assistance, please feel free to write to us.
We thank you for your patience and co-operation.

- Show quoted text -




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Hi Madhu, I am facing a similar situation.Infact in my case the mail to customer care has bounced.I had informed the bank of a possible fraud as i have received an sms of a fictitious trx but the same did not reflect in my account on that day(e-statement-online).The customer care online told me that it would not materialise and it would not reflect.However inspite of the assurance the same reflected in my account withun 46 hours.Now i am being taken for a ride.

IU DONT KNIW WHAT TO DO.

hello Rahul,

I faced the same situation, there was no response from ICICI, i took legal help and upon draging the bank to legal court, they immediately returned the money.What I feel that these banks feel that innocent citizens cant take legal help and also they think that innocent people dont keep thier re cords intact.


Pankaj Jain

Dear Madam/Sir,

Pls send the which date of birth mentioned in my application form
actual my date of birth 10.06.1977, but at the time of cderit card usage DOB is must required.

Pls send the details asap

my mobile no.[protected]

On 12 July 2009, I made a transaction of Rs 22000/- (ref No 74182279194000000023300) with Holiday Home Makers through your credit card. I was told that as per arrangement with ICICI Bank amount will be repayable in 9 installments with due interest thereon. After 01 or 02 days, I got a confirmation call from your Bank informing me that amount of Rs 22000/- would be recovered in 9 equal installments and interest of Rs 2100/- (appx) would be charged thereon. However, to my utter surprise, the entire amount of Rs 22000/- is included for the payment in my credit card statement for the period 13 July 2009 to 12 August 2009. When I contacted to customer care of the Bank, I was told that Bank has discontinued the above facility and as such I am required to pay entire amount at once on due date. Now, question arises here is that when Bank has already extended the facility how and why it was withdrawn abruptly without informing me, causing enormous inconvenience to me and other customers like me. It just seems that Bank is resorting such undesirable practices just to make the regular customers, defaulters and earn hefty interest to increase the profitability, which are fully against the established laws and practice of the Banking.

I would like mention that I am not only holding Credit Card but also availing your following services:-

Demat account with Saving Bank Account
Regular Savings Bank Account with ATM Card
Insurance Holder for two Vehicles
ICICI Prudential Life Insurance (Life Stage Pension with annual premium of Rs 1.00 lakh)

I have also been identified as "Privileged" customer by the Bank. However, such tall claims of the Bank for efficient services remain on the papers only and in reality no such things are experienced. I may now please be informed reasons for resorting such fraudulent practice by the Bank and hope not to repeat such instances in future to continue our relationship. I am also writing to Banking Ombudsman in the matter to make them aware.

(G M Somavanshi)
Mob No [protected] (email - [protected]@yahoo.com)

To
ICICI bank Credit card.

Sir / Madam

Requiest to you My credit card no. is [protected], from our side by mistakely wrong cheque date write so, chq.is retured & interest charged,
Please I requiest to you revesed a interest charges not happing next time

I hope you take my requiest

Thanking You,

sir,
i inform that you i hold last three years you credit card but last six month some problem in your sides
you give me loan but not credit my account you charges emi and late payment fees i want pls solved
my problems my credit card no is [protected] you not send statmenet last two month i want
you solved my problem and start yours credit cards pls give me reply my mail id
thank you

I have lost my ICICI credit card.and the card no is :[protected], kindly block my card for mis use of others.The out standing balance will be paid soon, And I always receive my statment after the due date, One of you agent Name:Gafur, Cel No:[protected], from Mumbai, calling us and giving wrong information, and he doesn't know the meaning of credit card, such people working with you it will spoil your orgnization reputation.

Thanks.

Nilesh.

sir,

I am holding Kotak Credit card bearing card No. [protected] and also savings account with them. In Aug month i had taken a balance transfer of Rs.30, 100/- with all procesing fees and intrest amounted to Rs.2000/- with other amount out standing Rs.34000/-. I was paying regularly minimum payment to them, but suddenly they cancel my BT and telling me to pay total outstanding of Rs, 61000/- immediately, by blocking my FUNDS IN SAVINGS BANK ACCOUNT WHICH RESULTED MY ECS RETURNED BACK THIS MONTH.

I Had been contact with their Nodal officers by mail, to pass my ECS DEBIT for which i had deposited sufficient funds lying in my SB ACCOUNT, but this bank doesnt take care of the customer and just they blackmailing me from last two months by holding funds from my saving account with out even showing credits in my credit account account. They make me defaulted by telling me they will automatically credits my card account funds which they holded. Now from oct, 03 they again funds holded from my SB ACCOUNT illegally and telling me they had rights to hold by showing cards agreement. This bank is just blackmailing the sb account holder telling me to pay whole amount immediately to PASS A ECS IN SAVING ACCOUNT..

Now my ECS had been returned by this bank knowingly and delibrately by which my crediblity has been spoiled by this bank brutual service to the customer and inspite of free funds avalible in my sb account to clear ecs, they had billed ecs returned debit charges to me without honouring ecs of other bank.

suggest me what should i do know, collection people troubling me day night and threatning to take action,

regards

Hakeem
[protected]

sir,

I am holding Kotak Credit card bearing card No. [protected] and also savings account with them I was requesting them from last two weeks to honour my ECS which was going to hit my sb account and they keep totall funds blocked from my sb account and showing door towards their collection manager to contact him to relaease my funds or to clear my ECS. This bank had nothing to do with customers dignity or vlaue, just they want money by force and blackmailing the customer by holding funds delibrately. This goonda service is contuing and no respite to me and now i had to pay ECS RETURN CHARGES TO BEAR THEM ALSO WHICH THEY DIDNT HONOUR MY ECS EVEN THOUGH FUNDS ARE AVAILABE..

This bank is very poor in service on phone, by mails and nodal officer doesnt reply to the customer mails. They want money immediately of total outstanding after they cancelled my Balance transfer for which i had paid 2000/- processing fees. This bank is telling me to contact and settled the issue with their Collection manager when i had been requesting them to Honour my ECS this month, which they had returned back delibrately even funds are there to honour.

why the saving account had been delibrately blocking by the banks by which ECS transction is effected even after customer requested to honour .. Please tell what should i do know, their goons are after me day night to settle full amount immediately by blocking funs in sb account..

regards
Hakeem
[protected]

Sir,

Still they doesnt bother to reply and debited again the ECS return charges of Rs.202*, it is shameful to see to collect charges of return ECS without honouring my ECS even i had sufficent funds well before date . I had been begging and requesting them to release the hold funds and clear my ECS hitting my sb account to keep my track record of paying good and well with other bank. Now they had delibrately RETUNED THE ECS without carring the customers plea in sake of collecting credit amount by hook or cook method. I had actually paid Rs.10.000/- minimum amount as per this month statement, they had cancelled my BT and want full amount to be paid immediately to pass a ECS which is very CRITICAL INSTRUMENT to a customer who does banking with a bank. This bank doesnt have any answer and their officers are helpless to the customers, when i had been requesting from last two weeks, and just washing their hands to go to COLLECTION DEPARTMENT managers, executives who are making days and nights nightmare by calling and telling me to pay full amout.

I had been charges ECS return charges by other bank for not honouring my commitment of paying ECS by this bank and lost creditbility and they will show in CIBIL and customers had to suffer their creditiblity. Suggest me what i have to do know to clear my name in CIBIL and ECS was not honour delibrately block by this bank.

regards
Hakeem
[protected]

Dear Sir,

I am getting unwanted calls and SMS on ([protected]) from your ICICI credit card comapny while i am not using ICICI credit card. This is a corporate number of Vodafone, earlier Mr Amit Raman was using this number i doesn't know who is Amit Raman but after his resiging from Vodafone. This number has been alloted to me, and from the day one I am getting calls on SMS on this numbers to get your pending amount clear. While on each call I have reminded to each telecaller that Please delete this number from your data. On each call telecaller has told me that your number will be deleted from their data. But still i am getting calls from your bank.
Today I have received a call from[protected] to get your dues clear. I again informed all the things to them. The telecaller has given the phone to her senior to spoke.He said to me "Ki aapka ki kismat kharab hai ki jo aapko ye number mila" inspite of giving any solution to me.

Finally i request to you to please get this number deleted from your data. If you want to clearify, you can also do the verifaction against my number and address.

Need your co-operation as i am fed up of these calls.

Kindly revert ASAP.

Regards,
Abhishek Gupta
+91-[protected]

Need to know which bank is providing the debit card which has password for any transactions like purchase etc. So that we can avoid misuse by sombody

Hi,

I had applied for a credit card from HSBC Bank and the credit card is created having number [protected] in 2007 when i was in Hyderabad.
On the day I left Hyderabad, the Credit card came on that address, i was unable to recieve the card.

Now I have applied for a personal loan from HDFC bank and it is found by the HDFC bank from my PAN number AOHPB1766M, that the HSBC bank is declared me as a defaulter..

Without receiving the Credit card & without any use, how can I be a defaulter?

Please clarify and provide a clearance from HSBC bank, so that my Personal Loan request can be processed.

Expecting your reply soon,

With Regards:
Bhagirathi

My credit card VISA was blocked due to the wrong usage of pass word about 5 omnths ago.
Latter I have sent an request to clear the same .

Till now there was no action and every call i spend about 15 minutes. Lattter they say send a fax or email, but in vain

my name is subbarao. my credi card loan account no is [protected]. sir my out standing ammount is settlement in 30/12/2009. ammount is 46, 000/- only .ammount is three instalments.

1st installment is Rs.10, 000/-payble on 30.12.2009 cheque no. 861225
2nd installment is Rs.18, 000/-payble on 25.01.2010 cheque no. 861226
3rd installment is Rs.18, 000/- payble on 20.02.2010 cheque no. 861227

three installments is cleared. please send me my NOC. Settlement Ref No.ICSO1HYD/122009/FWO

my phone no is [protected](hyderabad, kukatpally)
.

Credit Card — your inability to comprehend a customer's request

I do not have a complaint rather i have to tell you that not only you people are deaf to the requests made by the consumers but also keep on telling your part of the story.
In spite of my repeated requests that please cancel your stupid credit card which has become the misery of my life you people do not just do it. instead of abiding by the requests you keep on sending me the bills every month specifying the renewal fee and putting interest on it.
you want me to take this up legally,, i can do it but it is neither advisable for you nor is desirable by me.
Please cancel the bloody credit card([protected]) asap and do not send any further bills to my place.
regards
Abha Sethi

To,
Brach Manager
ICICI Bank,

Subject: Correction of Credit Data records from Your ICICI Bank History.

RE:'ICICICARE=[protected]' ICICI Credit Cards -Account Number [protected] (CIBIL REFERENCENUMBER: - DD646582)

Dear Sir/Madam,

I have applied Personal Loan in ABN AMRO Bank in Dec 2009 and after scrutiny process of my credit history with CIBIL; my loan application has been rejected by ABN bank.
I have checked with CIBIL regarding my credit history and from their report, came to know that I am the defaulter at ICICI bank for some Credit Card accounts. The detail is as follows
Account Dates Amount Status
ICICI BANK Opened:[protected] High Credit:1, 02, 728 Written Off
Account Number Closed Current Balance:1, 02, 728
[protected] Reported:[protected] Overdue: 76, 240
Type: CREDIT CARD

I want to share with you that in my entire life I never received Card “[protected]“. I called up your customer care and confirm the details about above Credit Account. I was completely shocked when I came to know that above card is on my name but Wrong Address, Wrong Date of Birth and all other information except Name.

This means this report showing all invalid data to my credit history. For this concern I requested CIBIL customer care to correct my Credit History. They informed me that this process can be initiated only from ICICI bank as they provided that information.
I request you to please remove above credit account no. from my ID at CIBIL. It will be great if you could help me out other wise I have to follow some legal process.
Thanks & Best Regards,

Praveen Sharma
My Address: - RZF - 222 / 8C, Street No. 31C,
Sadh Nagar, Palam Colony, Nr. Pardhan Chowk
New Delhi-45
Mobile: [protected]

pl. change my postal adress. my card no is [protected]


my mail id prasanthikalpana.[protected]@gmail.com

thanking you sir

TO,
Dt. 12.07.2010
Credit Card Division, ,
ICICI BANK LTD
CHARGE BACK DEPT
MUMBAI- 13

Dear Sir,

Ref: Credit Card No:” [protected]” VISA GOLD

I am having above referred Credit Card with your bank for an amount of
Rs. 13563.15, outstanding payable by me.

This is for your kind notice, that actually I have paid that total amount actual utilized by me. The above outstanding amount is it reflects only late fee, interest amount levied by you (Rs 17190.80). Even though I am paying every month science Two (2) years. With reference to your telephonic talk with your representative I request you to kindly waive the maximum amount to pay the balance amount to settle my account (full & final) due to some financial problems faced by me due to high educational and medical expenses.

This is for your kind information and waiting for your favorable reply in this regard.

Thanking you,

Yours faithfully
Kishan K Kukreja
Door No: T-2, 14-3/7
Sri Laxmi Tower, Opp. L.G.Polymer
Road, R.R.V. Puram
Gopalapatnam-530029
Visakhapatnam
Email: - [protected]@rediffmail.com

my name is P.V.N.S.PRASAD from hyderabad my icici credit card no is [protected] i have cleared the payment of Rs.20, 550 on 07/11/2009. That day onwards i dont use my card, recently i swaped my card but it was declained. please send me the status of my card it was working or not.my mail ID is [protected]@yahoo.co.in, my contact no is [protected].

thanking you

From
MERRIDIAN PROMOTERS PVT. LTD.
D.No. 47-3-29/2, 5th Lane,
Dwarakanagar, Visakhapatnam – 16,
Andhra Pradesh, India.
el : 2537646, 2719263/Cell:[protected]
Email: [protected]@yahoo.co.in




No.PSMR/ICICI/CC-2009/ Date: 24th March 2011


The ICICI Bank Credit Cards operation,
P.O. Box 7931, Tulasiwadi P.O.
Mumbai-400 034.

Dear Sirs,

Sub: - Monthly Credit card statement of accounts dated 22nd Jan 2011 for the period from 21-12-10 to[protected] Credit No.4477 xxxx xxxx 2009.


Ref: I). your credit card statement of accounts dated 22nd Jan 2011 for
Rs. 10, 564.47 due to be paid on 08th Feb 2011.

II). we have issued a cheque for Rs.10, 600/- vide cheque bearing No.011625
dated 2nd Feb 2011 towards payment of the above bill well before the due
date. ¬
- - -

It is seen from your above credit card statement of accounts dated 22nd Feb 2011 that you have debited a sum of Rs. 1, 079/- on various amounts towards various charges to my account on account of delay in payment.

It is very clear that you are not maintaining the correct accounts of the Customers and there is no co-ordination between your staff from one section to another section. Due to this reason, the customers feel unhappy and facing lot of inconvenience. It is better you advice the concerned staff to verify accounts correctly and properly before entering/making into the correspondence to avoid criticism, displeasure from all the customers.

Please note that the due date of payment of the above said card was on 8th Feb 2011 whereas I have paid Rs. 10, 600/- by cheque well in advance (ie) on 02 Feb 2011 before the due date. After one week, your Executive staff called us over telephone stating that the cheque not received till 9th Feb 2011 and asked us to pay in cash, promising that they will not deposit the cheque in the Bank, if received subsequently. Believing his statement I have paid a sum of Rs. 10, 000/- in cash leaving a balance of only Rs. 564/- as on the day. But your executive has failed to keep up his promise and deposited the cheque after receipt of payment of Rs. 10, 000/-. This indifferent attitude of your staff is adversely affected my image.

But to my surprise you have charged and debited a sum of Rs. 1079/- to my account which is not appreciated. There is no delay in payment on my part. If there is any delay, the same shall be on your part. The amounts debited to my account are therefore not correct and not agreed to. The undersigned is very much unhappy for your indifferent attitude.

Secondly, when I operate my above said credit card, the same is not accepted by the ATM machine.

In view of reasons mentioned above, I request your goodselves to kindly reverse the said amount of Rs. 1, 079/- already debited to my account and credit to my account and confirm as early as possible.

Please note that if the same attitude is continued further, I shall be constrained to close the credit card account without further notice. Please confirm by mail.

Thanking you,




Yours Sincerely
For Merridian Promoters Pvt. Ltd.
(P. S. MANGAPATHI RAJU)

I am holding credit card o[censored]r Bank (icici)
No:-[protected] Last month by mistake droped a cheque no:-188812 amount of Rs 10000/
at an hdfc ATM center at Rabodi naka.Because the cheque drop box of icici at kalwa ATM had been lifted
with out any information to customers for convenience there is no security gaurd to question, all happened on23/04/2011
.
I cross checked with an manager at ur icici
branch sayadhri nagar wether the cheque dropped at hdfc ATM drop box will reach the icici for clearance
for that i was told to draw another cheque at sayadri
branch, immediately issue cheque No:-188813 for the
amount of Rs 10000/ which was cleared on 28/04/11
The cheque deposited earlier at hdfc ATM
center ( No:188812 ) is also cleared towards icici credit card on 24/05/11 we were told that the cheque deposited at hdfc will be returned at residence address.
There is no regular physical statement delivery for last few months.
We request u to stop the clearance of the
cheque No:188812 for the amount of Rs:10000 / if not
done so. Please reverse the amount deducting only
Rs:2000/ from total of Rs:10000/

Please do the needful
Best regards
Mr Ravi kumar S Bojja
:

Credit Card is lost

My Credit Card No 4375xxxxxxxx7002 is LOST pleased help? Regards . Anand Jain...[protected]., [protected]@airtrlmail, in

Inquiry of Transaction

I need to know information of transaction of 12 march 2015. There is 393.26 rs transaction but as I know, I haven`t made any t5ransaction on that day. So give me full detail of that transaction.

Please file a consumer case. I am also planning to do the same. ICICI has
cheated me as well.

Guys, I have been sending money thru money2india few times for the last couple of years. I did notice there was a difference in the exchange rate, but I would say they are a much better service compared to Citibank and other services. I am planning to send some money back home, can someone please suggest if there is anyother service where I can get a better service as well as good exchange rate.

I agree with comments and complaints. I had a same experience with ICICI remit2india. They mentioned exchange rate as 48.65 on their website on date of remittance to bank account in india but they offered only 48.27 is really rip off. I have used HDFC Quick Remit and SBI Money transfer to india to transfer money to india and they honor the exchange rate what has been mentioned in website. I wanted to try ICICI because exchange was good compared to SBI, HDFC. Finally due to cheating by ICICI, I have decided to use SBI which gives better exchange than HDFC. If you need referal for SBI, let me know.

Exactly, they say something and give something. I had the same experience with ICICI money2india. It is fishy.

Yes, they are fraud. I opened an account with ONLINESBI they atleast dont fiddle around with the exchange rates for cheap commision. It would be rather nice to see them charge something straight as a transfer FEE instead o[censored]sing this cheap desi banking tactics.
Use SBI guys help indian govt banks and they give the rates that they promise..pass it along.

I have found that if they cant commit to the rate there is really no point to give them your business.
I have used www.transfermate.com as i saw it recommended by others and have not been disappointed. They normally only handle larger amounts as their main focus is to assist businesses however at least they stick to their rate

yaa I agree with you this ICICI bank is too worst and service is very bad, they will not follow acorrding to rules of RBI, they will go according to there own rules.

Ya I'm agree .. ICICI banks Money2India is clear ripoff. They take lot of time and give you minimum rate of the week. I transferred some money on friday and everyday I analysed their rates. Next week friday I got it transferred. And the rate was minimum of whole week. They are crap. I did 6 transfers from Money2India and never got proper rates. Even their comission is also higher. Don't use this service better go for SBI.

I too had the same bad experience in the past week.
It took one week and the exchange rate was very bad. In the X rates I couldnt see that exchange rate in the past 2 months. I dont know how they decide on the rate and simply send some amount.
It went on 46.60 and the exchange rate didnt go below 47 in the past month. I am going to stop ICICI it is a junk.

I too had a very bad experience with Money2India. I started the transfer and it took more than a week to get transferred actually. The exchange rate displayed in Money2India for all these days were more than what they actually gave. There was a minimum of 40 paise less than any day's rate.

Then I switched my salary account to local ICICI bank. Through that I can transfer at good rates (actually a bit less than what Money2India displays for the day, like 30 paise. But they give what they show). And its just a 30 sec transfer.

Regarding about ttacking no:M2N11352217.BENIFICIAR'S NAME;S.GANESAN, ACCONT NO:[protected], BANK NAME:CANARA BANK, BRANCH NAME:GRAND CETRAL.With reference your mail as dated as 16 july 09.i given all others details already.still i have no response from you.pls process for me the abive mentioned tracking no amount.thanking you.

I fully agree, this is a big scandal by most of the banks when it come to Foreign Exchange Remittances. There is no transperency in these transactions. RBI also has not streamlined this process. I do agree banks have to make money but not to this extend. This is every day stealing without being caught.

i am also bad experience with money2india because their exchange rate was too lower value as compare to the market value. so this is one of the humiliation. i would like to inform please select the trusted transcation service.

By
Ashok kumar

I agree with all the above comments. In every sector ICICI bank is cheating to the customer. I have read on NET some customers writting about DIFFERENT TYPES OF CHEATING icici is doing in HOME LOANS.

I had same experience in SWIFT transfer. My friend working here in gulf gets good rate in SBI and I get less rate in ICICI. difference in SBI and ICICI was 60 paise/euro. If I send 3K euro, then its 1800 Rs difference. This is a big money. ICICI, please stop cheating to customer like this. Be straight forward.
Regards, Mahesh Shinde

I would like to share my experience with ICICI which has been equally bad. I have been using SBI GLS for sending money to India from US for last 5 years without any issues. This time I needed to send a big amount urgently so I decided to send some money through ICICI money2india. Its been more than 10 days, and I'm still waiting for the credit to my Indian bank account. SBI completed the transfer as promised in 6 days flat.
ICICI money2transfer is a big scam. They say they take 5 business days, but the day the transfer is initiated is not counted. So no matter what day you initiate the transfer, there'll be one weekend in between. So effectively it would always take more than 8 days. And that's not all. After the money is transferred by ICICI to the beneficiary bank in India, it takes another 1-3 (read 3) business days for it to show up. So net net, it takes almost 2 weeks for you to get your money in India. In this day and age of electronic fund transfers, its a shame! I'll never use ICICI money2transfer again and would not recommend any one to use it.

I have been using ICICI money2india for some time but only for the last couple of transactions followed the exchange rate on daily basis.
I am very frustrated to say the least. From what I analyzed, they seem to be using the lowest exchange rate during the 9 working days it took for the transfer to happen.

I am looking for alternatives now and don't want to put up with how they rip of[censored]nsuspecting consumers.

Regards,
Amit

ICICI is one of the forgery bank in india, why because, they lost the customers hope due to money transfers, I had sent 4000 dollars on jan 2010, they specified one rate in site 46.16 and but given 45.81, then i called customer care, they were not able to provide right answers then i decided to transfer through SBI and i noticed for couple of months, they did forgery, I suggested my roomates 3 of them, They also decided to go for SBI online money transfer...

I have the same story. Transfered money through money to india and their exchnage rate on the date of transfer (status date) does not match with the exchnage rate for that day. The excahneg rate they give is not even the lowest on that day. It's lower thaen that. Their exchnage rate does not make any sense. Their customer service is horrible as they have no explaination on how the exchange rate was derived. Wish we could do a law suit...

The Exchange rate page is is not working. It usually does not open on any browser. I am unable to see the exchage rate for 31-Aug2010. My amount has been credited through your money2india website on 31-Aug-2010 but I am unable to verify the exchange rate you have charged. On other websites it is showing much higher rates. This is really very sad and creates doubt on the mind of customer and certainly a disappointment.

Hey Guys, the Latest I have very BAD BAD(or I can say WORST)experience in my life with ICICI(Money2India), the only thing I can tell you is DO NOT SEND MONEY with MONEY2INDIA and let everyone know that they will give you hard time/rip you off/delay in processing/no proper communication/no customer service/... And all...

There are plenty and reliable service out to send money.

DO NOT TRUST ICICI Bank!

I WISH I COULD SEE ALL COMPLAINTS BEFORE USING ICICI SERVICE.




THEY ARE CHEATER/WHITE COLLAR THIE[censored]


BEWARE OF THESE GUYS, THEY ARE NOT A BANK BUT THIEVES!!

jtyje

I used this ICICI money2india few times. They were giving lower rates and you would never get the same rate as they are showing on their website.
Few things I noticed.

1. They take money from intermediate bank (MS) ASAP.
2. Hold the money as long as possible.
3. Send money through NEFT when the EXCHANGE RATE IS LOW, in general NEFT transfers takes hardly 2-3 hours.
4. If you call customer service the explanation is 'the exchange rate we give is the rate at the time we transfer your money to your INDIA account'.
5. They hold up all transactions for a min xnge rate then they do BATCH transfers, so they get profit on all transfers we made in that period.
6. Your transaction will not be processed as a single transfer, if they do that they have to give you correct exchange rate and they get less profit.
7. Batch transfer dis advantage: there is no transaction reference number when they transferred from intermediate account to your India account. If something went wrong at this point no one can help you. You need wait for 2-3 days.
8. Customer service. They know only a few things. write a email, server is down, wait for 48 hours, we cant help you now.
9. Customer service (who is handling calls), email receiving group and technical team (who tracking your transfer when something goes wrong) and 3 independent parts. there is no co-ordination between them. they takes 2-3 days to exchange a message between the teams.
10. Email team gets email, sorts it, then sends it to CS team. It takes at least 24 hours.
11. CS team: everyone in this team feels they are correct and they wont allow you to talk to a senior/manager who knows the best. Or ICICI managers not for to help customers.
12. If something went wrong and if you want your money back, better to prepare for 10-15 days waiting time. The reason they would say is 'the server which makes refunds is down now, it takes time to resume it'. Server down in a bank for 2weeks?
13. All ICICI cs staff, including managers, are well trained to bluff. The reasons they say are unbelievable. They treat you like you dont know anything about computers/servers/banking.

One more thing.
14. If you transferred the amount today(1st mar) at 1am (IST) also, full 8hours working day for both uk and india banks, today is NOT counted under their 5 days period. ICICI's 1st day of transaction starts from tomorrow, so it's 4-6 business days for a single transaction, if you are lucky.

I agree with comments here, specially the last one point 14 . The transfer time is varying based on the exchange rate.

I have few transaction which got transferred on 4 day (5th day) and some on 5 day (6th day) from the request date - These days calculated as per their website transfer time .

Transaction 1 : request date March 1st and amount transferred on March 9th - Number of working days 6 or 6th day amount got transferred
Transaction 2 : request date April 17th and amount transferred on April 23rd - Number of working days 5 or 5th day amount got transferred

For Transaction 2 the exchange rate is 70 paise higher April 24th.

When i mailed customer care about this i got total contradicting responses on transfer time. Going forward decided to use xoom.com

i am p.thippareddy having saving account in icici bank, now i want close my account
please give me the procedure for account concellation.

Regards,
P.T.Reddy
vishaskapatnam.

I have lost around 10000/-rs due to QAB debit in ICICI. They never bothered to inform about the min bal requirement and i have lost my hard earned money . I want to quit from sba/c and demat a/c. Please tell me how because i'm sure the bank will make it hard for me to quit by debiting more money for the purpose from my a/c.

Veena