[Resolved] ICICIcredit Card — Harassment by staff | |||
Respected Ms/Mrs Kochhar, I bring to your notice the appallng customer service by your staff. I, Mr Ramesh Pai, card no:- [protected] had to make a payment of Rs 4000/- with 26th June 2012, the due date, unfortunately, I could make only the part payment. Hence, I called customer service to enquire, how to make make the ICICI card payment, through another Credit card, since I could not use netbanking. One lady told me to go on the site and check for CItibank option, which I duly did, but it only had debit card option! I called up again to check & was told, there is no option to make payment through another credit card & he told me to check with Citibank!!. Then, I asked him to pass on to a supervisor, which he said yes & then remembered to verify details. Unfortunately, since the email address was old & I was on field, did not remember the last payment, but confirmed the birthdate, also I told him that, last payment was made on 26th June 2012 morning of Rs 3000/- & bal was pending of Rs 1000/- . He flatly refused, stating, he cannot see that, & argued with me, stating that I told him, that the payment was made by cheque, which obviously I did not ( You can hear the conversation ) Then I requested to pass to a supervisor, since he was wasting my time, he flatly refused for any further conversation. This has really disappointed me, since, this was the last day of the payment & would incur unnecessary charges. Kindly have a hear at the conversation & decide for yourself. Name of Rep:- Harikrishna from Hyd Time of Call:- 19:20 pm to 19.33 pm on[protected] on 26th June 2012 Kind Regards Ramesh Pai [protected] Was this information helpful? | |||
Aug 13, 2020 Complaint marked as Resolved | |||
 2 Comments | |||
Comments
Just look at this FRAUD & shameless organisation. Could anybody advise me how to contact RBI or the leading newspapers to hammer this GUTTERSIDE organisation.!!!
Hello, Mr. Gani,
Finally, after playing around, you showed your true colors.
I was under the impression, you were deaf, but now I realise, you are blind as well. You cannot even see, that your so called external officer has been cc'd in previous mail.
Also, I'd clearly told you, Mr. Ramesh Pai had called up on 26th June 2012 & before this call, there was another call made some time earlier, which was confirmed & this was the 2nd call, when your illiterate road side rep started acting smart.
Why were other details not verified by him, why did he accuse us of lying, when he had been clearly told, that on 26th June morning, Online payment of Rs 3000/- was made.
Why after that, your person, Mr. Ravi Vanker, said, not to worry, since, no interest will be charged, since, the payment amt was of Rs 1700/- only & not Rs 3900/-
Why did he not escalate to his senior when requested to do so, after explaining that it was the last day of payment?, why doesnt ICICI afford a toll free number, instead of keeping people on hold for ages & then getting disconnected in this manner rudely?
Try to answer things specificially if you a real manager, as I've asked & not type non productive nonsense in half the mail.
Your person has made a terrible mistake, if not he, the company should pay for his mistakes, else, if you love him so much, take him home, but compensate us, till then the issue will remain wide open, whatever you say.
Regards
Ramesh Pai
--- On Fri, 27/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "pai.[protected]@yahoo.co.in" <pai.[protected]@yahoo.co.in>
Date: Friday, 27 July, 2012, 6:51 PM
Dear Mr. Pai,
We refer to your email dated July 26, 2012 addressed to the senior management and Directors of ICICI Bank.
We understand that you contacted our Customer Care on June 26, 2012 with queries related to Credit Card 5239XXXXXXXX0000 in the name of your father Mr. Ramesh Pai. Since you were unable to respond to the verification questions put forth by the phone officer, the officer denied to proceed further with the call or respond further to your queries. Please note that this was done for confidentiality and account security of Card Holder. At our Customer Care, if a caller is unable to identify himself as the authentic Card holder, the officer shall not divulge details related to the Card account.
Since you were unable to verify the Card details correctly, there is no possibility that the phone officer revealed details to you regarding the billing and payments done on the Card. Therefore, your allegations in the email below is completely baseless. We have already clarified to you and Mr. Ramesh Pai that officer on call have no options to choose if the call must be recorded or not.
We tried contacting you on several ocassions on [protected] however your phone was unreachable. Consequently, we contacted your alternate contact number and spoke with Mr. Ramesh Pai. We have clarified our points to Mr. Ramesh Pai on your concerns and he acknowledged the above facts presented to him in detail. As discussed and agreed by Mr. Ramesh Pai, we waived as service gesture the total of Rs. 198.62 (Late Payment Charges Rs. 176.77 plus Service Tax Rs. 21.85) levied in Credit Card [protected] bill due on July 26, 2012.
In view of the above, and our series of communications exchanged with you, we provided you with the best possible solutions for your satisfaction however you have continued to escalate the issue. We reiterate that we will not be able to value add in any manner to the resolution provided so far. We have mentioned that in case you wish to escalate the issue further, you could write to Mr. Gopalkrishnan at external.[protected]@icicibank.com.
However, we will not be able to correspond further with you in this matter.
Sincerely,
Shaikh Gani
Senior Manager | Senior Management Desk
Begin forwarded message:
From: "pai.[protected]@yahoo.co.in" <pai.[protected]@yahoo.co.in>
Date: July 26, 2012 4:05:46 AM GMT+05:30
To: "Chanda Kochhar /CORP/IBANK/BKC" <chanda.[protected]@icicibank.com>, "[protected]@bom2.vsnl.net.in" <[protected]@bom2.vsnl.net.in>, "[protected]@rbi.org.in" <[protected]@rbi.org.in>
Cc: "Swati Piramal /CORPORATE/IBANK/BKC" <swati.[protected]@icicibank.com>, "Rajiv Sabharwal /CORP/IBANK/BKC" <rajiv.[protected]@icicibank.com>, "arvind.[protected]@icicibank.com" <arvind.[protected]@icicibank.com>, "Chanda Kochhar /CORP/IBANK/BKC" <chanda.[protected]@icicibank.com>, "SENIOR MANAGEMENT DESK /RCSG/IBANK/BKC" <senior.[protected]@icicibank.com>, "HEADSERVICEQUALITY /RCSG/IBANK/BKC" <[protected]@icicibank.com>, "EXTERNAL OMUDSMAN /RCSG/IBANK/BKC" <external.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
Hello,
Do not try to skirt & avoid your responsbilities by giving silly & vague reasons.
You told me the call is not recorded, the person before you apologised for it,
so you decide, how much you want to lie or say what, before talking any more
nonsense.
Why do you try to provide best possible solutions, why do you not provide actual solution?
Tommorow, I will say, I tried my best to pay your money, but, I could not, then I would request you
to waive of the pending Rs 900/-, kindly waive it off, is it possible?
2 weeks ago, since our conversation, you were supposed to respond to me, through your senior management by email, where is that response?
If this issue is still on, your illterate staff is the sole reason, also, you do not record such crucial calls, in that scenario, does
that give me the license to abuse your staff personally left & right, in such a scenario?
Your person said, since amt for prev mth was only Rs 1700/- there would be no charges, sinces amt of
Rs 3000/- was paid, still you went ahead and applied the late charges & your illterate staff says,
I am going round & round,
Regards
Ramesh Pai
--- On Wed, 25/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "pai.[protected]@yahoo.co.in" <pai.[protected]@yahoo.co.in>
Date: Wednesday, 25 July, 2012, 7:11 PM
Dear Mr. Ramesh Pai and Nikhil Pai,
We refer to your email dated July 25, 2012 to the Senior Management Team of ICICI Bank.
In continuation to our earlier emails and the last email of July 24, 2012 we reiterate that we have tried to provide our best possible solutions for your satisfaction, as you have continued to escalate the issue. We have reviewed your concerns and there is no value additon that we can do from our end in this matter.
If in case you wish to escalate the issue further, you could write to Mr. Gopalkrishnan at external.[protected]@icicibank.com
Mr. Gopalkrishnan has been appointed External Ombudsman to examine customer-issues and provide unbiased resolution.
We reiterate that ICICI Bank at all times acts with diligence, in good faith, and in no manner prejudicial to the interests of its customers.
Sincerely,
Shaikh Gani
Senior Manager | Senior Management Desk
Begin forwarded message:
From: Nikhil <pai.[protected]@yahoo.co.in>
Date: July 25, 2012 1:25:46 AM GMT+05:30
To: "Chanda Kochhar /CORP/IBANK/BKC" <chanda.[protected]@icicibank.com>, "Swati Piramal /CORPORATE/IBANK/BKC" <swati.[protected]@icicibank.com>, "Rajiv Sabharwal /CORP/IBANK/BKC" <rajiv.[protected]@icicibank.com>, "arvind.[protected]@icicibank.com" <arvind.[protected]@icicibank.com>, "k.v.[protected]@icicibank.com" <k.v.[protected]@icicibank.com>
Cc: "SENIOR MANAGEMENT DESK /RCSG/IBANK/BKC" <senior.[protected]@icicibank.com>, "HEADSERVICEQUALITY /RCSG/IBANK/BKC" <[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
Hello,
What service gesture??
A pathetic organisation like you, is giving me a gesture for the brazenness of your illiterate & 3rd grade staff? Do I need your charity?
The very fact, I'd mentioned in the first mail, that I will be not liable for any charges, since the credit for the entire fiasco & stupidity was courtesy your rep.
Later, when your person called after this incident, he said, since the original amt due was only Rs 1700/- & Rs 3000/- have been paid, for that mth, no charges wil incur till next billing date, now what charges are you talking about?
Also, please stop making calls and only reply with mails, from your senior management, since, tomorrow you will say, you did not find any call records!
I need your mail response, since I am liasing with RBI as well.
Regards
Ramesh Pai
PS:- Its now a mth, for this issue if you've any shame left, kindly resolve this by escalating or taking action.
--- On Tue, 24/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Tuesday, 24 July, 2012, 4:51 PM
Dear Mr. Ramesh Pai,
We refer to your email dated July 10, 2012 addressed to Ms. Chanda Kochhar.
This is with reference to your telephonic conversation with our official, Ms Manasi Mohare on 23rd July, 2012.
We reconfirm that your Credit Card xxxxxxxxxxxx0000 is in active state. As a service gesture, we have waived-off the total of Rs. 198.62 (Late Payment Charges Rs. 176.77 plus Service Tax Rs. 21.85) levied on your credit card bill due on July 26, 2012.
We wish to inform you that Rs.3, 906.39 was due on June 26, 2012 however the bank has received Rs. 3, 000.00 only. We request you to kindly make the balance payment of Rs. 906.39 at the earliest.
We once again regret the inconvenience caused to you and look forward to continue servicing you.
Sincerely,
Shaikh Gani
Senior Manager |Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Friday, July 13, 2012 09:42 PM
To: Senior Management Desk (senior.[protected]@icicibank.com)
Subject: RE: Adamant & indifferent staff!! Card No:[protected]
< TD> Dear Mr Gani,
Sincerely appreciate your time. Will await your revert
Regards
Ramesh Pai
--- On Fri, 13/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Friday, 13 July, 2012, 6:14 PM
Dear Mr. Nikhil Pai,
In reference to our telephonic discussion earlier today, we shall check and discuss this case again with the senior management and try to arrange a phone call for you.
We will update you with details by Monday- July 16, 2012.
Sincerely,
Shaikh Gani
Senior Manager |Senior Management Desk
Begin forwarded message:
From: Nikhil <pai.[protected]@yahoo.co.in>
Date: July 10, 2012 10:59:18 PM GMT+05:30
To: "SENIOR MANAGEMENT DESK /RCSG/IBANK/BKC" <senior.[protected]@icicibank.com>
Cc: "Chanda Kochhar /CORP/IBANK/BKC" <chanda.[protected]@icicibank.com>, "Swati Piramal /CORPORATE/IBANK/BKC" <swati.[protected]@icicibank.com>, "Tushaar Shah /CORPORATE/IBANK/BKC" <tushaar.[protected]@icicibank.com>, "Rajiv Sabharwal /CORP/IBANK/BKC" <rajiv.[protected]@icicibank.com>, "Sridar Iyengar /CORPORATE/IBANK/BKC" <sridar.[protected]@icicibank.com>, "Arvind Kumar /RSPPG/IBANK/BKC" <arvind.[protected]@icicibank.com>, "kv.[protected]@icicibank.com" <kv.[protected]@icicibank.com>, "V Sridar /CORPORATE/IBANK/BKC" <V.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
Hello,
If you are not finding the call records, then I've 2 options.
Either shut down your business, or put me on call with the Management, let them check the records:)
The issue is still open from my side & you are ensuring that this is being escalated at the highest level with your silly responses & lies, since your very mail dated 5th July, acknowledges the call!
Regards
Ramesh Pai
[protected]
PS:- Respected Mgmt, kindly have a detailed look at how you, your staff is doing flip flop on a genuine issue since the last 2 weeks & trying my patience instead of resolving.
--- On Tue, 10/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Tuesday, 10 July, 2012, 7:04 PM
Dear Mr. Pai,
We refer to your email dated July 5, 2012 addressed to the senior management.
We have gone through your concerns once again and have re-checked our systems. However, no recording for your phone call to our Contact Centre on June 26, 2012 has been recorded.
We therefore request you to please be guided by our earlier response in this matter dated July 5, 2012.
We tried contacting you earlier today on [protected] to explain our position in this matter however the phone was ringing..
We thank you for writing in to us.
Sincerely,
Shaikh Gani
Senior Manager | Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Thursday, July 05, 2012 10:22 PM
To: Senior Management Desk (senior.[protected]@icicibank.com)
Cc: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: ICICI Bank Limited
< TD> Dear Rinku,
You have taken 5 days to investigate this, are you joking?
Everything else is secondary now. I want to know the status of the call transcript.
Your rep has not understood my concern & was not ready to even remotely understand it.
Please do not waste any further time..
Regards
Ramesh Pai
[protected]
--- On Thu, 5/7/12, Senior Management Desk <senior.[protected]@icicibank.com> wrote:
From: Senior Management Desk <senior.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' ICICI Bank Limited
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Thursday, 5 July, 2012, 8:21 PM
Dear Mr. Pai,
We refer to your appended E-mail of June 30, 2012 addressed to Senior Management.
As per our telephonic conversation earlier today on [protected], we have reviewed your concerns and understand that your interaction dated June 26, 2012 with our Customer Care officials were not satisfactory. We sincerely apologise for the inconvenience caused to you due to this. Please be assured that your e-mail has been accorded the seriousness that it deserves and we have sensitized our team concerned.
We confirm that the you can make payments though Visa Debit cards or through Bank accounts and not through any other Bank Credit Card. Additionally, request you to refer the below payment modes through which you can make the payment against the outstanding on your Credit Card.
1) Cheque or Draft payment: You may make a cheque or draft payment and cheque drawn in favour of "ICICI Bank Credit Card number XXXX XXXX XXXX XXXX". You can drop the cheque at any ICICI Bank ATM drop box. Maximum time taken for posting the payment in your Card account is:
ICICI Bank Local Cheque - 3 working days
Non-ICICI Bank Local Cheque - 5 working days
2) Cash Payments: You may deposit cash towards your credit card payment at any of our bank branches from 9 a.m. to 6 p.m. Cash payment of Credit Card bills will invite a service charge of Rs.100.00 per payment. The payment would reflect in your Credit card account within 24 hours.
3) Internet Banking: In case you have opted for Internet Banking services, you can make your credit card payments through the secured channel of Internet Banking. However, you will be required to have an ICICI Bank savings account for the paying through Internet Banking. The payment done through Internet Banking is posted to your Card account immediately.
4) National Electronic Funds Transfer (NEFT): You can make payment of your ICICI Bank credit card bill from any bank that has enabled the NEFT capability on its Internet banking facility. This feature is an additional convenience for ICICI Bank credit cardholders who do not have an ICICI Bank savings account*.
Steps to make the payments:
* Log in to the Internet banking facility of your bank and go to its online funds transfer module.
* Add your ICICI Bank credit card as a beneficiary to receive the funds transferred.
* Initiate an online funds transfer with the ICICI Bank credit card as the beneficiary.
* Please make sure that you enter the information correctly while transferring funds to make your credit card bill payment using the NEFT facility.
* The maximum time taken for posting the payment to your Card account is 24 working hours..
5) Auto-Debit: If you have an account with any ICICI Bank branch, you can make payment of your monthly Credit Card bill (either the minimum amount due or the total amount due) by Direct Debit to your bank account through a simple mandate. To know more click on http://www..icicibank.com/pfsuser/cards/creditcard/popup_autodebit.htm .
6) Click To Pay: If you wish to make a payment online through your Non ICICI Bank savings account, then can use the "Click to pay" option available on our website www.icicibank.com under Online Services Tab.
We thank you for bringing this matter to our attention and look forward to your continue patronage of our services.
Sincerely,
Rinku Gupta
Senior Manager
Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Saturday, June 30, 2012 04:02 PM
To: Senior Management Desk (senior.[protected]@icicibank.com)
Cc: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: ICICI Bank Limited
Hello,
Hope, this is not another of your ways to waste time.
Regards
Ramesh Pai
[protected]
--- On Fri, 29/6/12, Senior Management Desk <senior.[protected]@icicibank.com> wrote:
From: Senior Management Desk <senior.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' ICICI Bank Limited
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Friday, 29 June, 2012, 8:39 PM
Dear Mr. Pai,
We refer to your appended e-mail of June 29, 2012 addressed to the Senior Management that has been forwarded to the undersigned for due analysis and redressal.
We are looking into your query and we will update you with the status on or before July 5, 2012.
Looking forward to your co-operation.
Sincerely,
Rinku Gupta
Senior Manager
Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Friday, June 29, 2012 12:04 PM
To: Ravi Vanker (senior.[protected]@icicibank.com)
Subject: RE: ICICI Bank Ltd.
Dear Mr. Vanker,
Appreciate the prompt response as per our call.
Although, it is gracious on your part to apologise, it doesn't seem logical that any employee can act in a indifferent manner & the management apologises & expects the issue to be closed, especially, when the person said here, was adamant & stubborn enough, not to pass my call to a supervisor, inspite of not understanding my genuine concern at that time.
He indirectly or directly accused me of lying, stating, I made the payment by cheque, when I'd clearly stated, that I transferred it online.
Secondly, it does not seem amusing, that, you are pointing out the previous payments made or not made.
Kindly explain, what relevance, does it hold in this issue or how does it matter here?
If you've a concern with my credit record, then please state so, I've no qualms in closing this asap, but not before, this issue is resolved.
You've not mentioned the details of the transcript as requested earlier.
If Im wrong or miscommunicated, I take back my words, if not, you should take action against your staff, or let him state a written apology, cc'ing the management.
Best Regards
Ramesh Pai
[protected]
PS:- Kindly revert on same mail
--- On Thu, 28/6/12, Ravi Vanker <senior.[protected]@ICICIBANK.COM> wrote:
From: Ravi Vanker <senior.[protected]@ICICIBANK..COM>
Subject: RE:'ICICICARE=[protected]'ICICI Bank Ltd.
To: "Nikhil" <pai.[protected]@yahoo...co.in>
Date: Thursday, 28 June, 2012, 8:08 PM
Dear Mr. Pai,
We refer to your appended e-mail of June 25, 2012 addressed to Ms. Chanda Kochhar which has been assigned to the undersigned for due analysis and redressal...
Further, with reference to our telephonic conversation today, we sincerely apologize for the unpleasant experience you had with our customer care. We urge you to treat this incident as an exceptional occurrence and not an indicator of our service levels.
As per the statement of June 8, 2012 the total outstanding was Rs. 3906.39 to be paid on or before June 26, 2012. We would like to inform you that, we have received the part payment through Infinity payment of Rs. 3000.00 and the same has been credited to your Credit Card account 5239 xxxx xxxx 0000 on June 27, 2012. As per process, the Turn Around Time (TAT) for crediting the infinity payments is 48 working hours. The current outstanding on your Credit Card 5239 xxxx xxxx 0000 is Rs. 2066.39.
As per terms and conditions governing usage of the credit card, if a customer makes payment of only the Minimum Amount Due (MAD) or any amount less than the Total Amount Due (TAD), then appropriate charges and interest are levied to the account. Over-limit charges are levied when the total outstanding exceeds the credit limit prescribed for the card. This is explained in the terms and conditions sent to the card member at the time of issuance of the card.
As indicated above, the payments made by you were less than the TAD and less than even MAD on several occasions and at irregular intervals on the aforesaid card. Further, payment of only the MAD amount, does not abstain the responsibility of the outstanding dues on the card account. The customer has to make payments of the TAD within specified due dates, to avoid levy of interest and charges on the card account. The card has been utilized by you for your personal benefit without any deficiency in the services offered by the Bank. However, failure to make TAD within specified due dates attract interest and other charges in your card account. We also confirm that we have been regularly dispatching your statements at your registered communication address updated in our records.
As per the process, customer can make payments though Visa Debit cards or through Bank accounts and not through any other Credit Cards.
We deeply value our relationship with you and hope that you will give us the opportunity of continuing to serve you.
We look forward to an early opportunity to restore your full confidence in us and provide you with a high standard of service that would indeed be up to your expectations... We are confident that in the near future you would have a better banking experience with us.
Sincerely,
Ravi Vanker
Manager - Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Tuesday, June 26, 2012 08:12 PM
To: chanda.[protected]@icicibank.com (chanda.[protected]@icicibank.com)
Cc: senior.[protected]@icicibank.com (senior.[protected]@icicibank.com); [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Adamant & indifferent staff!! Card No:-[protected]
Respected Ms/Mrs Kochhar,
I bring to your notice the appallng customer service by your staff.
I, Mr Ramesh Pai, card no:- [protected] had to make a payment of Rs 4000/- with 26th June 2012, the due date, unfortunately, I could make only the part payment.
Hence, I called customer service to enquire, how to make make the ICICI card payment, through another Credit card, since I could not use netbanking. One lady told me to go on the site and check for CItibank option, which I duly did, but it only had debit card option!
I called up again to check & was told, there is no option to make payment through another credit card & he told me to check with Citibank!!.
Then, I asked him to pass on to a supervisor, which he said yes & then remembered to verify details.
Unfortunately, since the email address was old & I was on field, did not remember the last payment, but confirmed the birthdate, also I told him that, last payment was made on 26th June 2012 morning of Rs 3000/- & bal was pending of Rs 1000/- .
He flatly refused, stating, he cannot see that, & argued with me, stating that I told him, that the payment was made by cheque, which obviously I did not ( You can hear the conversation )
Then I requested to pass to a supervisor, since he was wasting my time, he flatly refused for any further conversation.
This has really disappointed me, since, this was the last day of the payment & would incur unnecessary charges.
Kindly have a hear at the conversation & decide for yourself.
Name of Rep:- Harikrishna from Hyd
Time of Call:- 19:20 pm to 19.33 pm on[protected] on 26th June 2012
Kind Regards
Ramesh Pai
[protected]
Hello, Mr. Gani,
Finally, after playing around, you showed your true colors.
I was under the impression, you were deaf, but now I realise, you are blind as well. You cannot even see, that your so called external officer has been cc'd in previous mail.
Also, I'd clearly told you, Mr. Ramesh Pai had called up on 26th June 2012 & before this call, there was another call made some time earlier, which was confirmed & this was the 2nd call, when your illiterate road side rep started acting smart.
Why were other details not verified by him, why did he accuse us of lying, when he had been clearly told, that on 26th June morning, Online payment of Rs 3000/- was made.
Why after that, your person, Mr. Ravi Vanker, said, not to worry, since, no interest will be charged, since, the payment amt was of Rs 1700/- only & not Rs 3900/-
Why did he not escalate to his senior when requested to do so, after explaining that it was the last day of payment?, why doesnt ICICI afford a toll free number, instead of keeping people on hold for ages & then getting disconnected in this manner rudely?
Try to answer things specificially if you a real manager, as I've asked & not type non productive nonsense in half the mail.
Your person has made a terrible mistake, if not he, the company should pay for his mistakes, else, if you love him so much, take him home, but compensate us, till then the issue will remain wide open, whatever you say.
Regards
Ramesh Pai
--- On Fri, 27/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "pai.[protected]@yahoo.co.in" <pai.[protected]@yahoo.co.in>
Date: Friday, 27 July, 2012, 6:51 PM
Dear Mr. Pai,
We refer to your email dated July 26, 2012 addressed to the senior management and Directors of ICICI Bank.
We understand that you contacted our Customer Care on June 26, 2012 with queries related to Credit Card 5239XXXXXXXX0000 in the name of your father Mr. Ramesh Pai. Since you were unable to respond to the verification questions put forth by the phone officer, the officer denied to proceed further with the call or respond further to your queries. Please note that this was done for confidentiality and account security of Card Holder. At our Customer Care, if a caller is unable to identify himself as the authentic Card holder, the officer shall not divulge details related to the Card account.
Since you were unable to verify the Card details correctly, there is no possibility that the phone officer revealed details to you regarding the billing and payments done on the Card. Therefore, your allegations in the email below is completely baseless. We have already clarified to you and Mr. Ramesh Pai that officer on call have no options to choose if the call must be recorded or not.
We tried contacting you on several ocassions on [protected] however your phone was unreachable. Consequently, we contacted your alternate contact number and spoke with Mr. Ramesh Pai. We have clarified our points to Mr. Ramesh Pai on your concerns and he acknowledged the above facts presented to him in detail. As discussed and agreed by Mr. Ramesh Pai, we waived as service gesture the total of Rs. 198.62 (Late Payment Charges Rs. 176.77 plus Service Tax Rs. 21.85) levied in Credit Card [protected] bill due on July 26, 2012.
In view of the above, and our series of communications exchanged with you, we provided you with the best possible solutions for your satisfaction however you have continued to escalate the issue. We reiterate that we will not be able to value add in any manner to the resolution provided so far. We have mentioned that in case you wish to escalate the issue further, you could write to Mr. Gopalkrishnan at external.[protected]@icicibank.com.
However, we will not be able to correspond further with you in this matter.
Sincerely,
Shaikh Gani
Senior Manager | Senior Management Desk
Begin forwarded message:
From: "pai.[protected]@yahoo.co.in" <pai.[protected]@yahoo.co.in>
Date: July 26, 2012 4:05:46 AM GMT+05:30
To: "Chanda Kochhar /CORP/IBANK/BKC" <chanda.[protected]@icicibank.com>, "[protected]@bom2.vsnl.net.in" <[protected]@bom2.vsnl.net.in>, "[protected]@rbi.org.in" <[protected]@rbi.org.in>
Cc: "Swati Piramal /CORPORATE/IBANK/BKC" <swati.[protected]@icicibank.com>, "Rajiv Sabharwal /CORP/IBANK/BKC" <rajiv.[protected]@icicibank.com>, "arvind.[protected]@icicibank.com" <arvind.[protected]@icicibank.com>, "Chanda Kochhar /CORP/IBANK/BKC" <chanda.[protected]@icicibank.com>, "SENIOR MANAGEMENT DESK /RCSG/IBANK/BKC" <senior.[protected]@icicibank.com>, "HEADSERVICEQUALITY /RCSG/IBANK/BKC" <[protected]@icicibank.com>, "EXTERNAL OMUDSMAN /RCSG/IBANK/BKC" <external.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
Hello,
Do not try to skirt & avoid your responsbilities by giving silly & vague reasons.
You told me the call is not recorded, the person before you apologised for it,
so you decide, how much you want to lie or say what, before talking any more
nonsense.
Why do you try to provide best possible solutions, why do you not provide actual solution?
Tommorow, I will say, I tried my best to pay your money, but, I could not, then I would request you
to waive of the pending Rs 900/-, kindly waive it off, is it possible?
2 weeks ago, since our conversation, you were supposed to respond to me, through your senior management by email, where is that response?
If this issue is still on, your illterate staff is the sole reason, also, you do not record such crucial calls, in that scenario, does
that give me the license to abuse your staff personally left & right, in such a scenario?
Your person said, since amt for prev mth was only Rs 1700/- there would be no charges, sinces amt of
Rs 3000/- was paid, still you went ahead and applied the late charges & your illterate staff says,
I am going round & round,
Regards
Ramesh Pai
--- On Wed, 25/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "pai.[protected]@yahoo.co.in" <pai.[protected]@yahoo.co.in>
Date: Wednesday, 25 July, 2012, 7:11 PM
Dear Mr. Ramesh Pai and Nikhil Pai,
We refer to your email dated July 25, 2012 to the Senior Management Team of ICICI Bank.
In continuation to our earlier emails and the last email of July 24, 2012 we reiterate that we have tried to provide our best possible solutions for your satisfaction, as you have continued to escalate the issue. We have reviewed your concerns and there is no value additon that we can do from our end in this matter.
If in case you wish to escalate the issue further, you could write to Mr. Gopalkrishnan at external.[protected]@icicibank.com
Mr. Gopalkrishnan has been appointed External Ombudsman to examine customer-issues and provide unbiased resolution.
We reiterate that ICICI Bank at all times acts with diligence, in good faith, and in no manner prejudicial to the interests of its customers.
Sincerely,
Shaikh Gani
Senior Manager | Senior Management Desk
Begin forwarded message:
From: Nikhil <pai.[protected]@yahoo.co.in>
Date: July 25, 2012 1:25:46 AM GMT+05:30
To: "Chanda Kochhar /CORP/IBANK/BKC" <chanda.[protected]@icicibank.com>, "Swati Piramal /CORPORATE/IBANK/BKC" <swati.[protected]@icicibank.com>, "Rajiv Sabharwal /CORP/IBANK/BKC" <rajiv.[protected]@icicibank.com>, "arvind.[protected]@icicibank.com" <arvind.[protected]@icicibank.com>, "k.v.[protected]@icicibank.com" <k.v.[protected]@icicibank.com>
Cc: "SENIOR MANAGEMENT DESK /RCSG/IBANK/BKC" <senior.[protected]@icicibank.com>, "HEADSERVICEQUALITY /RCSG/IBANK/BKC" <[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
Hello,
What service gesture??
A pathetic organisation like you, is giving me a gesture for the brazenness of your illiterate & 3rd grade staff? Do I need your charity?
The very fact, I'd mentioned in the first mail, that I will be not liable for any charges, since the credit for the entire fiasco & stupidity was courtesy your rep.
Later, when your person called after this incident, he said, since the original amt due was only Rs 1700/- & Rs 3000/- have been paid, for that mth, no charges wil incur till next billing date, now what charges are you talking about?
Also, please stop making calls and only reply with mails, from your senior management, since, tomorrow you will say, you did not find any call records!
I need your mail response, since I am liasing with RBI as well.
Regards
Ramesh Pai
PS:- Its now a mth, for this issue if you've any shame left, kindly resolve this by escalating or taking action.
--- On Tue, 24/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Tuesday, 24 July, 2012, 4:51 PM
Dear Mr. Ramesh Pai,
We refer to your email dated July 10, 2012 addressed to Ms. Chanda Kochhar.
This is with reference to your telephonic conversation with our official, Ms Manasi Mohare on 23rd July, 2012.
We reconfirm that your Credit Card xxxxxxxxxxxx0000 is in active state. As a service gesture, we have waived-off the total of Rs. 198.62 (Late Payment Charges Rs. 176.77 plus Service Tax Rs. 21.85) levied on your credit card bill due on July 26, 2012.
We wish to inform you that Rs.3, 906.39 was due on June 26, 2012 however the bank has received Rs. 3, 000.00 only. We request you to kindly make the balance payment of Rs. 906.39 at the earliest.
We once again regret the inconvenience caused to you and look forward to continue servicing you.
Sincerely,
Shaikh Gani
Senior Manager |Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Friday, July 13, 2012 09:42 PM
To: Senior Management Desk (senior.[protected]@icicibank.com)
Subject: RE: Adamant & indifferent staff!! Card No:[protected]
< TD> Dear Mr Gani,
Sincerely appreciate your time. Will await your revert
Regards
Ramesh Pai
--- On Fri, 13/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Friday, 13 July, 2012, 6:14 PM
Dear Mr. Nikhil Pai,
In reference to our telephonic discussion earlier today, we shall check and discuss this case again with the senior management and try to arrange a phone call for you.
We will update you with details by Monday- July 16, 2012.
Sincerely,
Shaikh Gani
Senior Manager |Senior Management Desk
Begin forwarded message:
From: Nikhil <pai.[protected]@yahoo.co.in>
Date: July 10, 2012 10:59:18 PM GMT+05:30
To: "SENIOR MANAGEMENT DESK /RCSG/IBANK/BKC" <senior.[protected]@icicibank.com>
Cc: "Chanda Kochhar /CORP/IBANK/BKC" <chanda.[protected]@icicibank.com>, "Swati Piramal /CORPORATE/IBANK/BKC" <swati.[protected]@icicibank.com>, "Tushaar Shah /CORPORATE/IBANK/BKC" <tushaar.[protected]@icicibank.com>, "Rajiv Sabharwal /CORP/IBANK/BKC" <rajiv.[protected]@icicibank.com>, "Sridar Iyengar /CORPORATE/IBANK/BKC" <sridar.[protected]@icicibank.com>, "Arvind Kumar /RSPPG/IBANK/BKC" <arvind.[protected]@icicibank.com>, "kv.[protected]@icicibank.com" <kv.[protected]@icicibank.com>, "V Sridar /CORPORATE/IBANK/BKC" <V.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
Hello,
If you are not finding the call records, then I've 2 options.
Either shut down your business, or put me on call with the Management, let them check the records:)
The issue is still open from my side & you are ensuring that this is being escalated at the highest level with your silly responses & lies, since your very mail dated 5th July, acknowledges the call!
Regards
Ramesh Pai
[protected]
PS:- Respected Mgmt, kindly have a detailed look at how you, your staff is doing flip flop on a genuine issue since the last 2 weeks & trying my patience instead of resolving.
--- On Tue, 10/7/12, Senior Management Desk <senior.[protected]@ICICIBANK.COM> wrote:
From: Senior Management Desk <senior.[protected]@ICICIBANK.COM>
Subject: RE:'ICICICARE=[protected]' Adamant & indifferent staff!! Card No:-[protected]
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Tuesday, 10 July, 2012, 7:04 PM
Dear Mr. Pai,
We refer to your email dated July 5, 2012 addressed to the senior management.
We have gone through your concerns once again and have re-checked our systems. However, no recording for your phone call to our Contact Centre on June 26, 2012 has been recorded.
We therefore request you to please be guided by our earlier response in this matter dated July 5, 2012.
We tried contacting you earlier today on [protected] to explain our position in this matter however the phone was ringing..
We thank you for writing in to us.
Sincerely,
Shaikh Gani
Senior Manager | Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Thursday, July 05, 2012 10:22 PM
To: Senior Management Desk (senior.[protected]@icicibank.com)
Cc: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: ICICI Bank Limited
< TD> Dear Rinku,
You have taken 5 days to investigate this, are you joking?
Everything else is secondary now. I want to know the status of the call transcript.
Your rep has not understood my concern & was not ready to even remotely understand it.
Please do not waste any further time..
Regards
Ramesh Pai
[protected]
--- On Thu, 5/7/12, Senior Management Desk <senior.[protected]@icicibank.com> wrote:
From: Senior Management Desk <senior.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' ICICI Bank Limited
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Thursday, 5 July, 2012, 8:21 PM
Dear Mr. Pai,
We refer to your appended E-mail of June 30, 2012 addressed to Senior Management.
As per our telephonic conversation earlier today on [protected], we have reviewed your concerns and understand that your interaction dated June 26, 2012 with our Customer Care officials were not satisfactory. We sincerely apologise for the inconvenience caused to you due to this. Please be assured that your e-mail has been accorded the seriousness that it deserves and we have sensitized our team concerned.
We confirm that the you can make payments though Visa Debit cards or through Bank accounts and not through any other Bank Credit Card. Additionally, request you to refer the below payment modes through which you can make the payment against the outstanding on your Credit Card.
1) Cheque or Draft payment: You may make a cheque or draft payment and cheque drawn in favour of "ICICI Bank Credit Card number XXXX XXXX XXXX XXXX". You can drop the cheque at any ICICI Bank ATM drop box. Maximum time taken for posting the payment in your Card account is:
ICICI Bank Local Cheque - 3 working days
Non-ICICI Bank Local Cheque - 5 working days
2) Cash Payments: You may deposit cash towards your credit card payment at any of our bank branches from 9 a.m. to 6 p.m. Cash payment of Credit Card bills will invite a service charge of Rs.100.00 per payment. The payment would reflect in your Credit card account within 24 hours.
3) Internet Banking: In case you have opted for Internet Banking services, you can make your credit card payments through the secured channel of Internet Banking. However, you will be required to have an ICICI Bank savings account for the paying through Internet Banking. The payment done through Internet Banking is posted to your Card account immediately.
4) National Electronic Funds Transfer (NEFT): You can make payment of your ICICI Bank credit card bill from any bank that has enabled the NEFT capability on its Internet banking facility. This feature is an additional convenience for ICICI Bank credit cardholders who do not have an ICICI Bank savings account*.
Steps to make the payments:
* Log in to the Internet banking facility of your bank and go to its online funds transfer module.
* Add your ICICI Bank credit card as a beneficiary to receive the funds transferred.
* Initiate an online funds transfer with the ICICI Bank credit card as the beneficiary.
* Please make sure that you enter the information correctly while transferring funds to make your credit card bill payment using the NEFT facility.
* The maximum time taken for posting the payment to your Card account is 24 working hours..
5) Auto-Debit: If you have an account with any ICICI Bank branch, you can make payment of your monthly Credit Card bill (either the minimum amount due or the total amount due) by Direct Debit to your bank account through a simple mandate. To know more click on http://www..icicibank.com/pfsuser/cards/creditcard/popup_autodebit.htm .
6) Click To Pay: If you wish to make a payment online through your Non ICICI Bank savings account, then can use the "Click to pay" option available on our website www.icicibank.com under Online Services Tab.
We thank you for bringing this matter to our attention and look forward to your continue patronage of our services.
Sincerely,
Rinku Gupta
Senior Manager
Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Saturday, June 30, 2012 04:02 PM
To: Senior Management Desk (senior.[protected]@icicibank.com)
Cc: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: ICICI Bank Limited
Hello,
Hope, this is not another of your ways to waste time.
Regards
Ramesh Pai
[protected]
--- On Fri, 29/6/12, Senior Management Desk <senior.[protected]@icicibank.com> wrote:
From: Senior Management Desk <senior.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' ICICI Bank Limited
To: "Nikhil" <pai.[protected]@yahoo.co.in>
Date: Friday, 29 June, 2012, 8:39 PM
Dear Mr. Pai,
We refer to your appended e-mail of June 29, 2012 addressed to the Senior Management that has been forwarded to the undersigned for due analysis and redressal.
We are looking into your query and we will update you with the status on or before July 5, 2012.
Looking forward to your co-operation.
Sincerely,
Rinku Gupta
Senior Manager
Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Friday, June 29, 2012 12:04 PM
To: Ravi Vanker (senior.[protected]@icicibank.com)
Subject: RE: ICICI Bank Ltd.
Dear Mr. Vanker,
Appreciate the prompt response as per our call.
Although, it is gracious on your part to apologise, it doesn't seem logical that any employee can act in a indifferent manner & the management apologises & expects the issue to be closed, especially, when the person said here, was adamant & stubborn enough, not to pass my call to a supervisor, inspite of not understanding my genuine concern at that time.
He indirectly or directly accused me of lying, stating, I made the payment by cheque, when I'd clearly stated, that I transferred it online.
Secondly, it does not seem amusing, that, you are pointing out the previous payments made or not made.
Kindly explain, what relevance, does it hold in this issue or how does it matter here?
If you've a concern with my credit record, then please state so, I've no qualms in closing this asap, but not before, this issue is resolved.
You've not mentioned the details of the transcript as requested earlier.
If Im wrong or miscommunicated, I take back my words, if not, you should take action against your staff, or let him state a written apology, cc'ing the management.
Best Regards
Ramesh Pai
[protected]
PS:- Kindly revert on same mail
--- On Thu, 28/6/12, Ravi Vanker <senior.[protected]@ICICIBANK.COM> wrote:
From: Ravi Vanker <senior.[protected]@ICICIBANK..COM>
Subject: RE:'ICICICARE=[protected]'ICICI Bank Ltd.
To: "Nikhil" <pai.[protected]@yahoo...co.in>
Date: Thursday, 28 June, 2012, 8:08 PM
Dear Mr. Pai,
We refer to your appended e-mail of June 25, 2012 addressed to Ms. Chanda Kochhar which has been assigned to the undersigned for due analysis and redressal...
Further, with reference to our telephonic conversation today, we sincerely apologize for the unpleasant experience you had with our customer care. We urge you to treat this incident as an exceptional occurrence and not an indicator of our service levels.
As per the statement of June 8, 2012 the total outstanding was Rs. 3906.39 to be paid on or before June 26, 2012. We would like to inform you that, we have received the part payment through Infinity payment of Rs. 3000.00 and the same has been credited to your Credit Card account 5239 xxxx xxxx 0000 on June 27, 2012. As per process, the Turn Around Time (TAT) for crediting the infinity payments is 48 working hours. The current outstanding on your Credit Card 5239 xxxx xxxx 0000 is Rs. 2066.39.
As per terms and conditions governing usage of the credit card, if a customer makes payment of only the Minimum Amount Due (MAD) or any amount less than the Total Amount Due (TAD), then appropriate charges and interest are levied to the account. Over-limit charges are levied when the total outstanding exceeds the credit limit prescribed for the card. This is explained in the terms and conditions sent to the card member at the time of issuance of the card.
As indicated above, the payments made by you were less than the TAD and less than even MAD on several occasions and at irregular intervals on the aforesaid card. Further, payment of only the MAD amount, does not abstain the responsibility of the outstanding dues on the card account. The customer has to make payments of the TAD within specified due dates, to avoid levy of interest and charges on the card account. The card has been utilized by you for your personal benefit without any deficiency in the services offered by the Bank. However, failure to make TAD within specified due dates attract interest and other charges in your card account. We also confirm that we have been regularly dispatching your statements at your registered communication address updated in our records.
As per the process, customer can make payments though Visa Debit cards or through Bank accounts and not through any other Credit Cards.
We deeply value our relationship with you and hope that you will give us the opportunity of continuing to serve you.
We look forward to an early opportunity to restore your full confidence in us and provide you with a high standard of service that would indeed be up to your expectations... We are confident that in the near future you would have a better banking experience with us.
Sincerely,
Ravi Vanker
Manager - Senior Management Desk
-----Original Message-----
From: Nikhil (pai.[protected]@yahoo.co.in)
Date: Tuesday, June 26, 2012 08:12 PM
To: chanda.[protected]@icicibank.com (chanda.[protected]@icicibank.com)
Cc: senior.[protected]@icicibank.com (senior.[protected]@icicibank.com); [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Adamant & indifferent staff!! Card No:-[protected]
Respected Ms/Mrs Kochhar,
I bring to your notice the appallng customer service by your staff.
I, Mr Ramesh Pai, card no:- [protected] had to make a payment of Rs 4000/- with 26th June 2012, the due date, unfortunately, I could make only the part payment.
Hence, I called customer service to enquire, how to make make the ICICI card payment, through another Credit card, since I could not use netbanking. One lady told me to go on the site and check for CItibank option, which I duly did, but it only had debit card option!
I called up again to check & was told, there is no option to make payment through another credit card & he told me to check with Citibank!!.
Then, I asked him to pass on to a supervisor, which he said yes & then remembered to verify details.
Unfortunately, since the email address was old & I was on field, did not remember the last payment, but confirmed the birthdate, also I told him that, last payment was made on 26th June 2012 morning of Rs 3000/- & bal was pending of Rs 1000/- .
He flatly refused, stating, he cannot see that, & argued with me, stating that I told him, that the payment was made by cheque, which obviously I did not ( You can hear the conversation )
Then I requested to pass to a supervisor, since he was wasting my time, he flatly refused for any further conversation.
This has really disappointed me, since, this was the last day of the payment & would incur unnecessary charges.
Kindly have a hear at the conversation & decide for yourself.
Name of Rep:- Harikrishna from Hyd
Time of Call:- 19:20 pm to 19.33 pm on[protected] on 26th June 2012
Kind Regards
Ramesh Pai
[protected]
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We are sorry for the inconvenience caused to you. We have made a note of your contact details. Our official will get back to you at the earliest.
Regards,
ICICI Bank Customer Service Team