[Resolved]  ICICI Bank — harassment

Address:Uttar Pradesh

dear sir

below attached you letter . my credit card was settled in the month ofnov.2012 after seven month you are send bill to me. i request you please send me noc as early as possible. you collection call s are coming with my phone. this is our side mistake. please correct the statement . send noc as early as possible.

regards raman
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Aug 13, 2020
Complaint marked as Resolved 
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I am defaulter customer in icici bank from personal loan in 2006 this matter post on 8 yrs old but bank is harassment my family member brother, step sister, step brother and my elder brother neighbor land number getting so many harassing to much. bank is transfer to agency recovery department.
I am having a Home Loan account with ICICI bank. The property is in Delhi and I am currently residing in Bangalore. The EMI's were revised in the month of April 2007 and inspite of numerous followup, nobody bothered to collect the revised EMI cheques from my Bangalore adresss even after giving so many assurances.

In the month of April to July, old EMI cheques were presented to my account which I got returned. ICICI bank levied cheque return and overdue charges to my account.

Further I was not given a Tax Certificate in time despite numerous followups with ICICI. Bacause of This I was forced to file a faulty tax return.

I have applied for a TOP UP loan on my existing home loan account (Account No. LBDEL[protected]). This was to fund the advance payment purchase of a House at Yeshwanthpur.

The application was processed by one Mr. Janesh and Mr. Anand of ICICI Koramangla Team.

My file no. as advised to me by Mr. Anand of Koramangala team was [protected].

There were lot of formalities undertaken including visit to my property at Delhi and doing a technical evaluation fo which your people attended my house in daytime.

I was advised by Mr. Janesh of ICICI Koramangala team that the request for TOP up loan has been approved and I would be issued a sanction letter and the disbursement shall be effected in one day. For legal formalities I was advised by Mr. Janesh to purchase stamp papers of Rs. 7500. This confirmation was received by me verbally on or around 9th of september.

I had spoken to Mr. Janesh and advise him that I have no idea as to how to get those stamp papers and ICICI should arrange the same.

To this Mr. Janesh replied that there will be a bribe of around Rs.1000 to be paid. I agreed to pay the same. As I needed the loan amount urgently, I advised Mr. Janesh to purchase the stamp paper on same date so that the whole thing can be processed. Mr. Janesh advised me to deposit Rs.8500 in his personal bank account so that the purchase of stamp paper can be processed.

I decided otherwise and instead opted for making a DD of Rs. 7500 in favor of Sub Registrar for stamp paper. I advised Janesh that the amount of Rs. 1000 to be paid as bribe shall be paid in cash by me. The DD was prepared.

From that day onwards, I was kept hanging by Mr. Janesh and Mr. Anand. I was told that there are irregularities in my documents and they are waiting for some clarifications from Delhi/Chennai office on my case. I rigourously followed them up. Couple of times Mr. Janesh promised to come to my office but never turned up.

In between Mr. Janesh and Mr. Anand even stopped taking my calls.

Finally today Mr. Anand advised me that request for my TOP UP loan has been declined as bank does not have title deed of my property.

My Questions here are:

1. If there are irregularities in my documents, why loan was disbursed at first place.

2. Even after that, why was technical evaluation undertaken which involved disturbing peace of my family.

3. Why I was informed by Mr. Janesh that my request for TOP UP loan has been approved.

4. On what pretext Mr. Janesh asked me to purchase stamp papers

5. Why Mr. Janesh asked me to deposit cash in his account

6. On my refusing to deposit cash in his account, why suddenly irregularities in my TOP UP loan have surfacedoriginal .

7. What would I have done if I would have gone ahead and had purchased stamp papers of Rs. 7500

8.On what grounds I have been denied TOP UP loan

In my opinion the whole situation is serious and if we take an overall view, it sums up to an intended miscounduct on part of your staff (Koramangla Team) especially with the situation where I was asked to deposit cash in his personal account by one of ICICI staff members (Mr. Janesh)

Further more I received from one of ICICI collection manager THREATNING SOME LEGAL PROCEDDINGS AGAINST ME

According to the notice
Quote
Despite our (ICICI) repeated requests and reminders for handing over post dated cheques, you (me, Barinder Singh Basan) have been postponing the same on one pretext or the other and delaying the matter deliberately
Unquote

Further
Quote
Failing compliance with the requisition contained in this notice, we will be constrained to initiate appropriate action against you in terms of agreement and you will solely be responsible for the cost and consequences thereof"
Unquote

I hold a proof (receipt of PDC's) which clealy proves that ICICI is already holding my PDC's dated upto 7th April 2008.

What is the need for this notice??
Why is this served??

Again, this was been served upon my parents in New Delhi, this again caused them mentol agony and hardship.

Also saying that I've been postponing this matter on some pretext or the other is a matter of character assasination.

I must state here that I;ve been subject to lot of harrssment from ICICI.

I was not able to file a correct income thax return bacause ICICI failed to timely furnish the required statement of account. This has been the subject matter of my earlier correspondance with ICICI which I can reproduce.

Further ICICI held on to my unused PDC's for an unduly long period of time and I had to spent enormous time and energy to get them back. Inspite of repeated requests, same has not been returned fully to me 4 PDC's have been missing from the cheques returned to me.

In spite of repeated requestes, ICICI failed to give me a copy of documents of my House property.

Also I was harrased thoroghly and peace of my family breached in case of TOP up loan

Lot of explanations are owed to me from ICICI. I have full right to say that the treatment meted out to me is snobbish and as I've written earlier, I will take this all to some logical conclusion.

I am learning to believe that this is the style of functioning of ICICI.
I am customer of ICICI Bank Ltd, INDORE Branch, since last 7 seven years and have most relationships like Banking, cards, demat and home loan, CAR loan with it. Despite having multiple relationships, they don't understand the importance and empathy a customer deserves.
i am out of station for company work at hydrabad since last three month and i changed my banking from axisbank to sbi due to that my emi returned twicely and paid same at hyderabad and receipt number -O[protected] one of your collection agency gurukripa, rantamani chamber new palasia indore recovery agent name is mr.saluja and his mobile nuber is [protected] he came at my home my wife was alone he came in side saying payment lene aaya hu payment do than my wife called me and i had word with him and inform that i allready made payment kindly check than he started to use sale payment karne ke liye natak kar raha hai and use many bed Please giv me a solutions, its not at all tolerable your bank is harassing us and giving us threatning call...than i said u give me your agency name and responsible person name i call them number is [protected] and he also started threaten me his behaviour was very rude said sale waha aake marunga For 10days I am going through this harassment, mental trauma and now without any prior information how they send person at my hoem when i am not in town Kindly advise how can I pursue this legally to abusive recovery agents

ICICI — harasment and not sending statement

DEAR SIR,
I AM HOLDING YOUR BANK CARD NO.[protected].I PAID RS.25000 ON 13 AUGU08 THROUGH INDIAN BANK, AS PER PASS BOOK IT HAS BEEN CREDITED TI ICICI BANK ON 18 AUGU08, CH NO 848562.IN SPITE OF ABOVE YOUR PEOPLE ARE HARASSING BY PHONE/SMS/LETTER.THIS MONTH STATEMENT NOT YET RECEIVED.WITHOUT THIS I WILL NOT PAY, PL SENT BY EMAIL.IF ANY FURTHER HARRASMENT I WILL GO TO POLICE AND LODGE THE COMPLAINT AGAIST YOUR CMD/LOCAL BANK INCHARGE,
NEXT MONTH I WILL CANCELL MY CARD.
REGARDS,
MAHADEO BANAHATTI
Taken the car loan from icici bank vide a/c no. LACHD[protected] and all requisite installments are made but still gtg letters from bank for the notice of demand which is very surprising.

Every month the requisite check of HDFC given and i do have the slip for it.

Pl amend your record accordingly and confirm the correctness of the same to me.

With regards

Kulbir
Dear Friend,

They are keep opened their holes allways to eat something through it from our kind of customers. We all are with you..fight with them ..
To

ICICI Bank Manager

Subject: Recurring Deposit Account Balance

Dear Sir
My recurring deposit maturity date is 02/02/09, but still now recurring deposit amount is not transfer to saving account. I have already given an application at the date 10/02/09, But no action taken .Please do needful.

Recurring A/C No.[protected]

Saving A/C No. : [protected]


From : Radhe Raman Singh Name:radheraman
Jubilant Biosys Ltd.
#96, Industrial Suburb Date: 17/02/09
2nd Stage, Yashwanthpur
Bangalore-560022
To

ICICI Bank Manager
M G Complex, APMC Yard
Yashwanthpur, Bangalore 650022

Subject: Recurring Deposit Account Balance

Dear Sir
My recurring deposit maturity date is 02/02/09, but still now recurring deposit amount is not transfer to saving account. I have already given an application at the date 11/02/09, But no action taken .Please do needful.

Recurring A/C No.[protected]

Saving A/C No. : [protected]


From : Radhe Raman Singh Name:
Jubilant Biosys Ltd.
#96, Industrial Suburb Date:
2nd Stage, Yashwanthpur
Bangalore-560022
sir, i have taken a loan from icici bank and the bank have given me short payment of rs.14658/-. after that i have given so many mails to customer service cell but there is no reply. they told me to contact to dsa but after phone call there is no satisfactory answer. what i can do.
pls check that why the bank have not given us the short amount. my loan account no. is LUDEL[protected].
THANKS
ALL BANK ARE WASTE PLEASE DON'T GO FOR ANY .. LOAN/CARD.
first u tell me..before all this CARD/LOAN .. our Life was going-on right.!!!
then Y we all are depend upon all this Banks?

so say" NO.
enjoy simply life..
[censored] to bank


every one is in trouble.. by banks.

ICICI Bank — Harassment

Dear Sir/Madam,

I have taken a loan From ICICI Bank inspite of making payment on 10 august they have send the recovery agent at my house on 12 august and 15 august . when i have shown the receipt to the agents they told me to call customer care and loan departement when i contacted them the team leader have spoken to the agents and asked me to call in five minitutes after that he has kept the mobile phone swithed off .my due date is 5 of every month but the delay from there side i have called the customer care on 6 august and 7 august and ask them to withdraw amount from my account as there was autodebit but when i asked them its on 10 august they told me about the reason and maid the payment manually.
Hi, We're from ICICI Bank and are sorry to hear of your experience. If you can write to us with your contact details and the account number at [protected]@icicibank.com, we'll call you and work to address your issues.
For my home loan from ICICI bank, I gave ECS mandate duly signed to ICICI bank representative in the month of March 2010, since post dated cheques were getting ehausted in the month of June. I was told that from July onwards, the ECS transfer from my salary account with SBI will be activated and EMI will be paid through ECS transfer. I made very many phone calls and emails to ICICI to know the ststus. Every time the answer was standard " It is under processing".
Finalyy, come July 2010, no more PDCs and I called up the bank again to be told the same reply " It is under processing". As I do not want to be defaulter, I went to the nearest ICICI bank which is 55 KM away from my home. I presented a cheque out of my ICICI bank account with the EMI amount. The 'lady" refused to accept saying that she cant accept cheque, but only cash. FOR A HOME LOAN WITH ICICI BANK, WHEN YOU PRESENT A CHEQUE OUT OF YOUR ICICI BANK ACCOUNT, THE BANK REFUSES TO ACCEPT THE CHEQUE.

Finally, I transferred the amount directly online into my loan account. There ends the July story.

Fed up with the no response and no responsibility of ICICI bank, I visited ICICI home loan branch on 17.7.10, signed the form for direct debit out of my ICICI bank account. The gentleman promised me that from the month of August, EMI will be directly debited from my SB account. I felt happy.

But 2 weeks later I called them up and asked the status. pat came the reply "" It is under processing". I felt jitter. I kept sending emails continuously through bank site. Finally on Aug 1, I got the reply that direct debit is enabled. In the future, EMI will be directly debited. I felt happy again.

But from Aug 3 onwards, I am getting phone calls that I have not paid EMI. Even today on August 7, I got a call that EMI is not paid, I am a defaulter.

Please note that I am supposed to be a wealth manged client.

Does any body have an answer to my situation? Please help and advise me on the next course of action.


Dr. Mathew

ICICI Bank — Harassment

I had a Personal loan from ICICI and i was payning EMI without any delay for 2 years.Since for the past 4 months my salary account is changed from ICICI and i am paying thru cash at bank.but the colletion agancy misbehaves and gives me a harssement at office and home by shouting and drawing the attension people around.

Pls help......
Hi Team,

This is regarding my EMI of Jan-2011 with ICICI Bank. Account No[protected]

In the month of Jan-2011 due to my bank account issue, Bank was not able to deduct the EMI from my account. So ICICI bank’s recovery department called me to pay the EMI, in that call one lady was there “Meenakshi Joshi” from Mumbai she used wrong sentences, wrong language. I asked her “Mam thik se baat kijiye hum customer hai” she told me that “Mein thik se baat kar rahi hoo tu thik se baat kar” “Mein recovery department se baat kar rahi hoo”.

I asked her that I haven’t received any bank statement yet. She told me loudly “To ye aapki galati hai” she was speaking so loudly. Also note that you can check my all previous EMI everything is cleared. Due to recovery call that day first time I felt pain in my chest. Same day I went to the clinic doctor has suggested me for ECG. From that day onwards I am suffering from Chest Pain.
If this type of treatment we are getting from ICICI Bank. Then this is not good and if one of the heart patient will receive this type call which I have receive. He would have loss his life.
Now I have decided to send this copy to below mentioned addresses. If I will not get the proper response from ICICI Bank.

Also I have other option with me and that is Media.
Mumbai Police Headquarters
Mumbai
Dhobi Talao
Mumbai, Maharashtra

Police Commissioner Office
Pune
Near GPO, Opp Nuclear Mall, Pune

Police Commissioner Office
Pune
Police Commissioner Office, Sadhu Vaswani Rd, Modi Colony, Pune

Please help me.

Thank You
Amol N Rakshe
Chinchwad Pune -33
[protected]
Hi,

I am getting calls from the below mentioned telephone numbers from over a week now regarding some personal loan taken by my son and these guys Shantanu Mukherjee and sanjay have been so abusing. They have been calling me and threatening me that they will kill me. I told them several a times that I have nothing to do with my son and that they should contact my son, but they have called me over 100 times a day and have been threatening and have used all the possible foul language they could.
They have crossed the limit by saying that you are a muslim and its in your blood to betray and steal. They have no rights to say things against my religion and abuse me for something that I have not done.
Also, I have checked with them that my son has paid the loan back and its some interest that is pending for which they are harassing me.
I am also an ICICI bank customer and I never knew that the bank which claims to be the best bank in India uses goons and abuses for their customer.
I thought I am the only one undergoing this ordeal but to my surprise when I searched internet it is full of similar complaints against the same mobile number and the same ICICI bank that forces me to take this matter to the next level and that I should file a legal suite against the bank for harassing me and my family.
I am amazed to know that ICICI bank has different policies for different religion as the employees of ICICI bank are calling me and telling me that all muslims are the same and that they will make my carry on calling my home and my mobile.

I dont know if anyone in ICICI bank reads all this or its just a letter going unnoticed on the internet.
I never knew that after 62 years of independence some private bank employees will call my phone and tell me that I should go to paksitan and that I am a muslim and not allowed to live in India.

Its a shame that banks like ICICI work in India, these banks should be banned by the government should the management of these banks dont take any actions against their employees.

These are the numbers I am getting calls from-

[protected]
[protected]
[protected]

I dont understand how can these guys blame a religion is this the way ICICI bank operates. I am getting calls since[protected] .
I can see on this website that a similar complaint was logged by someone else in october 2011 and looks like that ICICI bank is not taking this matter seriously as the same guys are calling me and threatening me and abusing me.

I am going to call all my friends and relatives and ask them not to bank with ICICI and also I am going to call all the big companies that deal with ICICI bank.

As an Indian of around 60 years of age I never dreamt that someone will call me a traitor in my own country and that too a bank employee from ICICI bank.

If ICICI bank is not going to look into this matter, I am going to launch a police complaint and going to the consumer court as the personal loan was taken by my son not me and that the bank should contact him and not me and under no circumstances should use abusive language against me or my religion.
I have taken a Personal Loan from your bank and due to some personal reason I was not able to pay EMI from some time, I am getting threatening calls from some of your manager from last many days, I told them that i will pay full amount what ever would be due on me in November 2012 last. But they are regularly calling me and using abusing languages.

For your kind information i would like to tell you that i have paid Rs.42196/- to ICICI credit card [protected], which was pending on me and from some time i was not able to pay the EMI but now i clear all the pending amount. you can check your record.

My intention is very clear that i will pay full amount in November 2012, But Today i got a call from one of your employee " Sandeep Rawat " contact no. [protected] / [protected] who used abusing language about my religion about me . I am really shocking that i am giving date to pay all the amount and they are abusing my religion. shame on you guys you are no .1 bank in India and your employee is abusing to all muslims.

Tell me what should i do ??? shall i take help of police or should i go to consumer court because your employees harassing me too much.
same is happening with me, some icici guy from no [protected] sameer shaik is harassing me like anything
its really sad to hear such words from pvt organizations. guys who are actually defaulters never get caught, people like us who have already paid emis for 4 yrs but because of some personal issues last year its pending with intention to pay only shouldnt be harassed
can anyone take some action
Date : 30/11/12

Sub : Unexpected Delay in opening salary Account.
Applicant : Jaywant Ramchandra Vyas
Location : Bilaspur Chattisgarh.

Dear Sir,
I joined Pernod Ricard India P. Ltd at Bilaspur, Chattisgarh. On August 2012 and put a request to my company for Salary A/C opening in Sept.12 with discussion with Company HR Dept. Company refer to me to open your A/C with nearest ICICI Branch. As per company require I went to a ICICI Bank in Vyapar Vihar Branch, Bilaspur C.G. for open my Salary A/C. Basically I am from Maharashtra Native Aurangabad. Bank request to give your all document to us. As per the Bank required I’d given to Bank. (all documents submitted)
Attaching Documents with the form : 1. PAN Card, 2. Bank Statement (Last 6 Month for Address Proof) 3. Driving License, 4. Adhar Card, 5. My Present Address & Permanent Address write on my company’s Letter Pad with Stamp And Authorized signatory as per the bank require. 6. Company’s Authorized signatory on A/C Opening form.

The executive told me that it will be done in minimum 7 Days. After some days executive called me for more documents and i’ll give it to same, your Branch executive give me A/C opening/ welcome kit. But till day Account not activate from your side.
Every day I am follow up with ICICI executives but they keep giving me some to enquire and I do not get a clear answer.

I have to my salary payment in the company will get delayed and I will have to face a lot of issues.

kindly do the needful and clear the matter immediately.


Regards,
Jaywant Vyas
[protected]
Hi

I am repeatedly getting calls from the numbers :[protected],[protected] asking about unknown person names like pavithra and vishveshwar.

I have also told the same, but still they are mentally harassing me and disturbing.

If the same continues i need to lodge a complaint against your bank and file a case for harassing me.

I expect that i would not be here by receiving any calls.

Regards

Shanker
Dear Sir/Madam,

We are sorry to hear about your experience. Please send us your contact details at [protected]@icicibank.com and our official will get back to you soon to assist you. Kindly refer '4310441' in the subject line.

Regards,
ICICI Bank Customer Service Team

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