ICICI Bank Complaints & Reviews

Hi Abhi,

Please email us your contact details at [protected]@icicibank.com and we will get back to you. Please refer '2720497' in the subject line.

Regards,
ICICI Bank Customer Service Team

Deduction in my a/c
1) POSDEC CHG/24-05-12/2871/25ST3 28.09
1) POSDEC CHG/24-05-12/2871/25ST3 28.09
3) POSDEC CHG/24-05-12/2871/25ST3 28.09

why the ICICI bank deducted 3 times this transaction. I want the valid reason and return of amount to my account.

vijaya bank — not delivering money of demand draft

i have submitted a dd of rupee 14700 in vijaya bank mnnit branch on 14 sept 2008 but i haven't get my money
till now my dd is payable at punjab national bank chandauli
my dd no 930152

suerne

Hi,

We apologise for the inconvenience caused.Please email us your contact details at [protected]@icicibank.com and we will get back to you soon to assist. Please refer '2717777' in the subject line.

Regards,
ICICI Bank Customer Service Team

I have an account with ICICI Bank and a credit card holder also. I made a payment to ICICI bank for Rs.15000/- and as per their confirmation, I am supposed to pay another Rs.29000/-, which I confirmed that I will pay soon. But I realised that ICICI Bank has taken Rs.40, 000/- as against Rs.29000/- from my bank account.

This is really cheating by ICICI Bank. When I mailed them for the problem, they are just ignoring it. Instead of giving proper reply, they are just telling some thing or the other that go there go here and etc.

ICICI Bank is just ignoring to pay my money back which they have taken forceively. Please guide what to do next and drag the bank to court of law.

Regards,
[protected]

I am in receipt letter from ICICI Bank and am further shocked to note its contents. I really do not understand as to how many more self contradictory statements will be coming from ICICI bank regarding one transaction of loan. In your subject cited letter you are now mentioning that the loan carries interest @ 8, 76% p.a. whereas your first communications received about one and a half year back in this regard mentioned the rate of interest is 18.75% on the said loan which was sanctioned and already stood disbursed and in the second communication you had mentioned that the rate of interest at which the said loan was sanctioned and disbursed is 9.41% p.a. Please decide at your end as to which of your communications is correct and then inform me of the same to let me know as to for how much amount, I am being cheated by the ICICI Bank.

Secondly, my stand always had been that I had signed the paper book containing blanks in various forms/agreements, which was never ever denied by the bank in more than one year of correspondence exchanged. This fact finds a place in the complaint to the Banking Ombudsman also. For the first time the bank has come out, after about one and a quarter year that too with a fantastic story that “based on the receipt of application and agreement that was duly authenticated by you”. This story of the bank is obviously false. Had it been not false, the bank would not have come with the statements that the loan carries interest @ 8.75% and afterwards changing the stand and saying that the loan carries interest @ 9.41% p.a. and now 8.76% p.a. in the latest communication. Had the blanks in the agreements/documents were filled and authenticated by me as is being alleged now for the first time ever after more than last one year and four months of correspondence, the bank could not have mentioned three different rates of interest which this particular loan attracts in its three communications. Your averments in the letter dated 8/07/2009 that the loan carries fixed interest rate of 8.76% and your statement that the “agreement that was duly authenticated by” me is an afterthought and has come after may be by further fudging the documents, which are in your custody and control. Had the blanks in the documents/agreement/s been filled and authenticated by me, the bank could have sent a copy of the agreement to me during last one and a half year. The agreement has not been provided till date even after more than one year and a quarter year of my request for the same.

The falsity and the hollowness of your statement that “CFOC forming a part of the first EMI has been recovered and is not in addition to the amount of the loan but only forms a part of the first EMI/Advance Installment.” is writ large and is in contradiction to the very first document i.e. the first Amortisation Schedule sent by the bank to me and is also contrary to clause 9 of the terms and conditions of loan, which clause 9 is reproduced below:

CLAUSE 9 OF TERMS AND CONDITIONS OF LOAN:

9. The number of advance Installments, as mentioned in the Application Form, paid by the Borrower/s to ICICI Bank (or its nominees) prior to disbursement of the Facility (or at any other time, as may be specified by ICICI Bank) shall be adjusted against the payment of the last Installments (of an equal number) or in any other manner as decided by ICICI Bank. The Borrower/s shall not be eligible to any interest on the amount of such advance Installments.

Therefore, as per the terms and conditions of the loan, the bank had all the rights to adjust the advance EMI “in any other manner as decided by ICICI Bank" and does not have any authority or any right to treat the first EMI “in any other manner as decided by ICICI Bank”. Further the said first Amortisation schedule very clearly, correctly and specifically mentions the following:

1. That the principal is Rs. 6, 57, 000/-.

2. That the Advance EMI paid is Rs. 13, 664/-.

3. That the outstanding principal after adjusting the advance EMI is Rs. 6, 43, 336/-.

4. That the first EMI of Rs. 13, 664/- payable on 13.02.2008 consists of repayment of Principal amount of Rs. 8, 898/- and payment of interest of Rs. 4, 766/-.

5. That the FCOC charges are Rs. 0.00 i.e. NIL.

From the above it is ample clear that there were no FCOC charges payable by me, the first EMI could not and therefore did not contain any element of FCOC charges and the principal after adjusting the first EMI is inflated. Also it is abundantly clear that I had submitted the blank booklet signed by me and the blanks in the booklet have been filled now because if these blanks had been filled earlier then the bank could not have communicated three different rates within one and a half year of sanction of loan for a single transaction of loan.

From the above facts, it also emerges that the bank, its Chairman, Directors and officers are not afraid of fudging documents even after the complaint to the Banking Ombudsman and also show that how far and to what extent, ICICI bank can go to, in cheating an innocent, gullible and fragile lady like me.

Dear Mr. Kapoor,

Kindly write to us at [protected]@icicibank.com, with the subject line as 'Customer Service - Loan'. Request you to provide the relevant details of your loan, 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

Its always a nitghmare for customers with not only ICICI bank, but with all multinational banks & companies.

The customer becomes mad. I have that experience and still undegoing with very popular Multi National Bank in Bangalore for having taken a loan

aginst property. These Banks should realize that themselves are the loosers, as these Banks canvass for customers, but unfortunatley the

customers are squeezed once comes under the Banks ambit. For example, any borrower who is extremely prompt in the EMIs are monitered by

Bank and enhance rate of interest with some reason or other besides charging hideen charges, The defaulters with these banks are subjedcted to

severe severe punishment by using their muscle power. We in India have no choice but to bear with this. In the long term only we get experience

and canvass not to have relatiomship with these Banks. K R PRABHU

I had different experience ith this ICICI Bank in Bangalore. One of bank agents came to my door and canvassed for opening a SB a/c.

I did and transacted for some duration in 2003 (if correct) in the said a/c. There was a balance of Rs 1800+ in the a/c.

A/c was in operative on my own. I never thought that this Bank will cheat me by charging unexplained amount and showed debit balance

in my a/c. Besides I not only lost my amount, but also liability. I approached the Bank for clarification with the concern officer available,

who asked me to come next day as the manager was on leave. Then I sought an acknowledgment for my letter seeking clarification, but till today no

reply nor any credit to my a/c. Better always do things in writing and obtain ack. and file case in the consumer court.

K R PRABHU

Hi Biswadeep,

Sorry to hear about your experience. We have noted down you contact details & our official will get in touch with you soon to assist you.

Regards,
ICICI Bank Customer Service Team

I am also facing the same problem now.
Kindly help me.
Thanks.

Hi Jayaraman,

We regret the inconvenience caused to you. Please send us your contact details at [protected]@icicibank.com & our official will contact you soon. Refer "2712086" in the subject line.

Regards,
ICICI Bank Customer Service Team

Kotak Mahindra Bank — ATM Transaction Failed (Compensation)

Hello,

I tried to withdraw the amount from Non ICICI Bank ATM on 21st Of Jan 2012. The transaction was failed due to some reason. Hence, I logged a complaint with ICICI guys by calling to their call center. I was obviously charged for that. The resolution I received from them was pathetic, They told me that I have logged an incorrect complaint with them and was told that the transaction was successful.

Further, I logged an another complaint second time complaint number (SR[protected]. This time my complaint was resolved and I received the Rs. 1000. However as per the RBI guidelines, I was informed that my complaint should have been resolved within 7 days from the date of transaction.

As they guys failed to return the amount back into my account within 7 days.

So as per RBI guidelines they are liable to pay me the compensation of Rs.100/ day, for the time period of (28th of Jan to 24th of Feb) which is for 28 days i.e: (Rs. 2800).

So I am requesting them to credit my account with 2800(Compensation). If they are not able to credit the amount, then I will also charge them for the frustration I have been facing to receive this 1000 + 2800 compensation from them.

Also, the more they will delay this matter, the more they'll have to pay (100/ day as per RBI Guide lines)

Further, I have already escalated the issue to (Mr. Krishnan Govindan) and I was promised that my query will get resolved on or before 23/02/2012. However I have not received the resolution or any reply from him yet.

Regards,
Sagar Jethwani
Contact Number : [protected]

Sorry for the above mentioned complaint. It was for ICICI Bank and not for Kotak Manindra Bank.

Same thing happened to me. I tried to withdraw some amount from from Non- ICICI Bank ATM, from Kotak Mahindra Bank ATM. I didn't get any cash but the amount is deducted from my account. I posted complaint three times but the result coming is Transaction Completed successfully even though I didn't get any cash from ATM that time. I am waiting from two months still the deducted amount is not credited in to my account.


Regards,

Vishwanath

+91 [protected]

Hi Sagar,

We understand that our officials are in touch with you to address your concern.

Regards,
ICICI Bank Customer Service Team

Dear Sir/Madam,

I want to know, if all overdue cleared and name is exist in CIBIL Record then How many days it will take for Clearance from CIBIL.

I have asked ICICI People, they told me that it will take 60 days to update the record.

Please confirm.

Regards,
Mukul

RBS N.V Credit Card — CIBIL Clearance

I " RAKESH JAIN" MY ACCOUNT NO IS[protected]. I HAVE CLOSED MY RBS N.V. CARD ON 24.10.2009 BY MAKING THE FULL AND FINAL SETTLEMENT. BUT THEY HAVE SHOWN BALANCE OF RS. 4042/- IN MY CIBIL REPORT. I WOULD LIKE TO REQUEST MAKE NIL THE BALANCE AMOUNT FROM THE CIBIL REPORT...


THANKS,
(M)-[protected]
Email ID- [protected]@gmail.com
dharmander.[protected]@gmail.com

I have never met such a worst and unfriendly Customer Support like ABN Amro, currently, RBS. I have being billed for LIC premium of Rs.12498 as part o[censored]tility bill payment which was not credited to my LIC account. When contacted the Customer Care, they gave me a reference number for the transaction, which was refused by LIC and refusing that they have not billed incorrectly. I had no alternative and had to pay the dues since I did not want to fight back and get blacklisted in CIBIL.

Hi Rakesh,

We have made a note of your contact details. We'll contact you and work to address your issue.

Regards,
ICICI Bank Customer Service Team

Hi,

We regret the problem caused to you. Please send us your contact details at [protected]@icicibank.com and we shall get in touch with you soon. Kindly refer '2558868' in the subject line.

Regards,
ICICI Bank Customer Service Team

Dear Mr. Sharma,

We have made a note of your feedback. We are working towards resolving this issue, in the interim we request you to use credit card or debit card option or you can also use the Quick Pay option on the ICICI Bank website.

Regards
ICICI Bank Customer Service Team

Hi Mohan,

We are sorry to hear about your experience. We have made a note of your mobile number. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Bank Customer Service Team

ICICI Bank Credit Card — CLOSURE OF CREDIT CARD

Kindly remove this complain from this site as early as possible and oblige.

Thanking you,

AAnsari

icic bank — Closure of Credit Card

Hi,

I have been trying to get my ICICI bank Credit Card closed for last six months, but no one has paid interest as ICICI. I have been making payment of minimum amount.

Can some one please guide me how to get this done by settleing the amount ?

Regards
Nakul

Hi Uday,

We regret the problem caused to you. Please send us your contact details at [protected]@icicibank.com and we shall get in touch with you soon to assist you. Kindly refer '2700828' in the subject line.

Regards,
ICICI Bank Customer Service Team

Hi,

We regret the problem caused to you. Please send us your contact details at [protected]@icicibank.com and we shall get in touch with you soon to assist you. Kindly refer '2700830' in the subject line.

Regards,
ICICI Bank Customer Service Team

Hi -- Thanks for the update. I have sent a mail to the id with the number in subject line. I have given my international number also.
As this is really critical, request your immediate attention on this. Thanks again.

Hi Ravitheja,

We regret the inconvenience caused to you. We have made a note of your account number and we'll get in touch with you.

Regards,
ICICI Bank Customer Service Team

Hi,

We are sorry to hear about your experience. We have made a note of your account number. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Bank Customer Service Team

Hi,

We are sorry to hear about your experience. We have made a note of your account number. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Bank Customer Service Team

Dear Mr. Punitham,

We are deeply concerned about the concerns raised by you. We would require some more information to investigate. We request you to please write to us at [protected]@icicibank.com with your contact details. Please refer "2700805 "in the subject line. We will get in touch with you and assure to redress your concerns.

Regards
ICICI Bank Customer Care Team

Payment mode is ICICI "Pay Any Visa Credit card".

Hi Mahendra,

We are sorry to hear about your experience. We have made a note of your mobile number. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Bank Customer Service Team

Hi,

We regret the problem caused to you. Please send us your contact details at [protected]@icicibank.com and we shall get in touch with you soon. Kindly refer '2697133' in the subject line.

Regards,
ICICI Bank Customer Service Team

Hi Prenlata,

We regret the inconvenience caused. Please ask the customer to send her contact details at [protected]@icicibank.com and we shall get in touch with her soon. Kindly refer '2697129' in the subject line.

Regards,
ICICI Bank Customer Service Team

ICICI Bank — DEDUCTION OF PRIVILEGE QA

Dear Sir,
I had opened a students account in ICICI bank bhowanipore branch, numbered[protected]. As per student account norms no QA is to be maintained. However an amount of 552 was deducted from my account on 23.07.10 and 827 on 11.11.10. No intimation has been given to me regarding any upgradation of my account. Kindly clarify on the matter,

Hi,

We regret the problem caused to you. Please send us your contact details at [protected]@icicibank.com and we shall get in touch with you soon. Kindly refer '2697125' in the subject line.

Regards,
ICICI Bank Customer Service Team

Sir the credit card number is [protected]. Though the card has been closed by ICICI, still they are levying late payment and interest charges.

Hi Vinay,

We are sorry to hear about your experience. Please write to us at [protected]@icicibank.com with your contact details.Kindly mention '2697117' in the subject line.

Regards,
ICICI Bank Customer Service Team

Hi,

We have made a note of your account number. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Bank Customer Service Team