ICICI Bank Complaints & Reviews

I Praveen Srivastav Using the Icici Bank Credit Card in 2008 after the default the payment, bank representative approach to me and give the proposal settlement the outstanding so I agree of this proposal and I pay the 1st installment Rs 5000/- cash and rest 5 PDC check issue the in-favour of Icici credit card A/C in Nov-2010 . in the min time there is no communication from the bank to me any issue of payment . again month of November-2011 in Chennai branch ( Collection Dept. ) again call to me and approach to me regarding payment . but I have no issue regarding the payment but Icici bank officer touch on phone my relative and office person and tell wrong information regarding me .

Sir , this is not my fault because I Have agree with bank to payment in2010 but bank staff does not check produce in time in my account . so does not making the payment on time .but till time bank force to me heave amount with interest making one time payment .

I am not comfort in one time payment .

i have credit card of icici bank no [protected] i have not used card since 2-3 yrs. Many executive from collection agency came and took cash for settelement but then also i was charged in next statement this thing happen three to four times i was tiered and then refused to pay when i was trying for car loan i was told that your name is in cibil and cant get any loan so i contacted icicibank for settlement, One executive came and told that you need to pay 16500/- i have not used single paise then why to pay 16500/- then after few days he came and told to pay 9000/- but refused to give NOC for settlement. kindly guide me what to do

It was Nov 4, 2011, when i submitted a bank to ICICI branch, Karauli. It was a foreign bank cheque and I was told that it would take 21 days to get cleared. After more then 4 weeks now, calling the karauli branch, visiting a branch at malviya nagar jaipur, calling customer care many times, calling the account holding branch at Kolkata at least for 50 times by now, No body has been able to tell me the location or status of this cheque. The response of the executives at all places have been terribly apathic and insensitive. There is no way you can file the complaint to them.
The IVR system over phone takes at least 10 min to give you a response and 60 % of the times executives say their system is down. What nonsense is going on in this country and why a bank like ICICI is behaving like a municipality clerck?
can you please help me with tracking of this cheque? at least they should tell me whether it is lost or it is into a particular process?

Respected Sir, My ICICI BANK HOME LOAN A/c. No. Is LBBRD[protected]. I need a provisional certificate for claiming deductions under income tax act for the period of April-2011 to March-2012. Its urgent. Please do needful to send the certificate on my e-mail id : hiren.bhavsar.[protected]@gmail.com

To,
The executive Director,
ICICI Limited(Tax saving bond),
Maratha mandir annexe,
Dr.A.R.Nair road,
Mumbai Central,
Mumbai.- 400008.

SUB- ICICI LIMITED (TAX SAVING BOND-TSB-012002-TSB-)

REF 1: BOND HOLDER NO.[protected] AND CERTIFICATE NO. 194748
2: BOND HOLDER NO.[protected] AND CERTIFICATE NO. 139696
3: BOND HOLDER NO.[protected] AND CERTIFICATE NO. 139697
4: BOND HOLDER NO.[protected] AND CERTIFICATE NO. 139698
5: BOND HOLDER NO.[protected] AND CERTIFICATE NO. 139699

Dear Sir,
I had invested 25,000 rupees in the above 5 bonds bearing distinctive nos

1: [protected]
2: [protected]
3: [protected]
4: [protected]
5: [protected] respectively. The first bond deemed date of allotment is on[protected] and got matured on[protected] and remaining 4 bonds deemed date of allotment is on[protected] and got matured on[protected] . Till now i am not aware of these bonds and suddenly got remembered,but i don't know whether the money remitted to my account or not.
So,
please look in to and send further details regarding these bonds to my address

MY ADDRESS:

N.A.SATYAM,
Dr.No. 26-8c-6,
VELEMPET,
WOOD YARD STREET,
VISAKHAPATNAM.- 530001

Hi,

I am Dinesh kumar working at chennai as a programme analyst,I am having a salary account in ICICI bank and on 29/11/11 my father deposited Rs.10,000 but I received only Rs. 9,835 where the transaction details said that ANW charges : Rs.150 and s.tax :15.I called the coustmer care regarding the same issue but they didnt respond well,so please take nessaccary action and let me know about this issue.

Thanks,
Dinesh kumar T

When I went to the home branch for clarification of the EMI on home loan, people were busy selling insurance policy from the branch and kept me waited for nearly an hour and I had to leave the branch then though they claimed that I am an Privilege Customer. In this regard I have sent them one Unhappy SMS which is nothing but an instrument to generate bank revenue and no one will be assisting from there. No call back was there as committed. In this regard I wanted to escalate the issue but even after couple of mails they are not willing to give me the reference number with which I can escalate the issue. The content of the two mails below where in both the cases I have asked for the SR.

Branch Id : 1056 Account Id :[protected]
I have raised one complaint with the below mail. Can I have the SR no for the same.

Branch Id : 1056 Account Id :[protected]
I feel the EMI or the Tenure of my Home Loan is not correct. For that I went to the home branch but no one was ready to assist there. Instead every people were eager to discuss investment plan as I believe they get some commission if they can sell it. On this note I send an UNHAPPY sms and as usual there is no response. Looks like this sms system is another way to generate revenue. Just formalizing the complaint so that I can refer to the SR and go further. The branch is situated in a position that is worth and is generating revenue for the bank but most of the staffs there are very unprofessional.

Name: sadhu Siva shankar rao
Product: Savings Account
Account No:[protected]
Application No:
E-mail address: [protected]@Gmail.com
Mobile no: [protected]
Telephone no: +91--
Service Request(SR) No:[protected]'
Details of complaint: Name: BALA VENKATA SATYA SIVA SANKAR
Product: Savings Account
Account No:[protected]
Application No:
E-mail address: [protected]@Gmail.com
Mobile no: [protected]
Telephone no: +91-863-
Details of complaint: dear sir
I AM SADHU SIVA SANKAR RAO FROM GUNTUR,AP.MY FATHER OPEND SAVINGS A/C[protected] AT VARANASI BRANCH.MY FATHER DIED[protected].MY FATHER MAINTAINED MINIUM BALANCE.ACTUVALLY WE ARE FROM ANDHRA PRADESH.TODAY ONLY I GOT LETTER FROM ICICI BANK dt[protected] summary of a/c statement.then i shocked the available balance was 2425/.then i call to customer care and enquired details for the above said a/c. your c.care people says from 20.10.08 every charges are debited till today.from 20-10-08 to 06-10-10 totally debited 7475/-.previously my father the savings a/c maintained very well.so i hum bully request you
please credit the said amount.in feature i maintain regularly the said savings a/c.any clarifications my mail id is [protected]@Gmail.com or my mob no [protected].

thanking you,

sadhu Siva shankar rao

MY MOB NO [protected]

Hi,

I am Karukkuvel Rajan from Chennai. I have a very bad experience with ICICI credit card department and their services towards its customers.

I had a Platinum credit card and I was using it for quite a long time. I am a genuine payer and I pay my dues on time much before the due dates. On 18/08/2008, I had lost my card in an exhibition in Chennai. The person took the card is from the shop in which I made my final purchase. After I reach home around 10 pm night, I got a message that I made a purchase for Rs.48500 and then only I realized that my card was lost.
Immediately, the same night I went to that exhibition back again and enquired in that shop where I had made my final purchase. I asked for the lost card and the guy from that shop told me that he found that card and surrendered in that exhibition’s office. I went with him and checked in the office room and he could not show to whom he gave that card. That night they were closing the exhibition and packing their things. So I could not do much and I collected the contact number of that guy who had saw my card last. Back home I called customer care and blocked my card during that night itself. The customer care told me that the person who has used my card swiped the card for Rs. 1 three times in a different swiping machine in that same exhibition and after confirming that he can use the card he swiped the card and bought a laptop for Rs. 48500.

Then the next day(19/08/2008) morning I went to police station and I made complain about my loss of card. The inspector(Mr.Lawrence) asked me who is the last person who saw my card and I had mentioned that guy(his name is Manzoor) and inspector wanted to speak to that guy. So I called him and gave the phone to the inspector and inspector started to threaten him since he is the person who saw the card last, he has to come to that station and answer them. But he was saying he is on the way back to Bangalore and he cannot come. But inspector insisted him to come and threatened him like he will send Bangalore police to his home for enquiry. Then he was saying like he will try to come in a day or two. Then I collected the FIR copy and came home. Same day(19/08/2008) I had I applied the dispute in ICICI website.

That day(19/08/2008), I started getting messages from that guy Manzoor who has accepted that he made a mistake and he is the one who had took my card and bought the laptop. He was asking apology and begged me not to file complaint. He was saying his father will die if he comes to know about this misconduct. I had told him to pay the money and then I will withdraw my complaint. And he promised that he will pay the money in a week. As promised he deposited Rs. 10,000 to my credit card number. And on 26/08/2008 he deposited another Rs. 20,000. That week representative from ICICI came home and asked me to fill dispute forms and collected the FIR copy and contact numbers of Manzoor. And that representative promised that ICICI bank will take care of collecting the remaining due Rs.18503 from that guy Manzoor. I told inspector Lawrence and he also confirmed me that bank will take care from there on since I had given them enough proofs to the bank.

On 30/08/2008, I had received a letter from ICICI bank stating about my disputed transactions and they have initiated resolution of my complaint and a temporary fraud credit will be done. The case reference number is SR77828655. In that letter itself they had mentioned that “You will be pleased to know that we are temporarily reversing the charges billed to your account towards the disputed transactions. This credit will reflect in your next statement. If the complaint is resolved in your favour, we will make the reversals permanent”.

On 02/09/2008, I have a received a temporary credit of Rs.48503 to my card. Later on 15/09/2008, I had received another letter from ICICI bank saying that “We are pleased to inform you that the dispute is resolved in your favour”. On that day(15/09/2008) they have debited my card account for same Rs. 48503. But since they had confirmed me that these disputes are resolved in my favour they should have reversed only Rs.30,000 which I had recovered. Then I would not have anything pending in that card and dispute would have been closed on that day. From that day onwards

I tried to reach customer service asked them to reverse the transaction correctly and nobody took response and corrected.
I approached ICICI bank, Regional office in Chennai and wrote emails to customer care. They kept on saying since I blocked my card after the card has been used I should pay the amount. But they are not answering for the letter which they had given me saying that the dispute is resolved in my favour. Now they have blocked my two savings accounts with them. ICICI have spoiled my reputation. For their mistakes I am suffering with CIBIL score and not getting new loans even though I earn more than 1Lakh per month. I checked with a local civil lawyer and he had confirmed me that my side it is clear and I can file a case if I wish to. But I want to clear this trouble without going to court etc. The current due for Rs. 18,500 is Rs. 65,154..ICICI bank asking me to pay a settledment of Rs 26,000 for the disputed transactions which I did not concurr.

Can someone help me how do I get these people understand ask them to reverse the transactions correctly. Should I file a consumer case against them? Please advise.

Regards,
Karukkuvel Rajan
Ph: [protected]

sir/madam,

my credit card no [protected]

please refer to your file no 6321179 dated 02.09.2010 regarding amortization schedule wherein converting the payment due on my credit card into 12 emis of rs.2600/- each. I have paid Rs.2700/- pm for 12 months so far. In the month of January 2011 a pay order for Rs,2700/- drawn on Hyderabad was dropped in icici bank atm at rajivnagar cross roads near motinagar and the same draft was misplaced at your end and the same was not accounted for. Again I have obtained a duplicate draft and dropped at kalyannagar branch and the same was returned by your branch saying that it is stale cheque. Hence I have dropped another cheque of sbh sanatnagar branch and the same was debited to the account. Thus I have paid 12 installments as per original agreement. However to my surprise still you are showing an outstanding of rs.4580.82. You have imposed late payment charges and other charges which i request you to reverse immediately as the interest charges service tax are already included in the amortization schedule. I submit that i have paid rs.2700/- instead of rs.2600/- whereby i have paid an excess of rs.1200/- and i request you to refund the same.

please reply at the earliest.

thanking you

yours faithfully,


p v kameswari
.

Dear Concerned,

I would like bring your notice to the transaction where I am stuck with no solution as yet.

On 14th Nov 2011, I had withdrawn Rs.20,000 (10,000+10,000) from SBI ATM (in Barrackpore, Kolkata) using my ICICI Debit Card. On the very same day I had again tried to withdraw Rs.10,000 again (in HDFC ATM machine in Barrackpore) but there was a error message saying "You have already cancelled the transaction" and I did not receive the money from the machine but the same amount was deducted.

The very same time I have called the customer service executive of ICICI bank and informed them regarding the same. They assured me of the correction in 7 working days. Request No.[protected].

As I was in need of the money, I called the customer service team again on 19.11.2011 to check if I am getting back the money within the time span committed to me. The executive received my call confirmed me that the request is in process and I'll get the solution on 22.11.2011.

On 22.11.2011, I called the customer service executive in the evening after checking my account balance (money has not been credited till that time) . I spoke to Mr.Venkata Ramana who informed me that Ms.Prachi Madgarkar has closed the Complain/Request on 21.11.2011.

This is shocking that Complain/Request can be closed without the solution.

Mr.Venkata Ramana had no solution except committing me another 7 working days with a new Request No.[protected].

Please look into the matter and help customers get solution at-least by the time they are committed.

Thanks & Regards,
Sujit Mazumdar
+91-[protected]

ICICI collection agents have been harassing me and my family. As we are not able to do the payments as we lost 2 of the family members who used earn and support the family. We sold all small jewels we had and ready to pay all that we can. they dont listen. we said we are ready to face legal charges. but they are not following that but started harassing.

I am not sure how to escape these harassments. If they continue there is no option other than suicide for my family and ICICI is responsible for this.

I will disclose all my details when I die. I am preparing all the documents and recordings.

Please help me, my family and all others that are going through humiliation and harassments from the illegal people by ICICI.


thanks,
Loaner.

Dear Sir,

My name is Sadaf Kausar residing in Delhi. My brother was seeing your programme "Pehredaar" (Saturday, 19th November, 2011) when he told me that I should also approach you to get my case solve.

Last year on 29th December, 2010 two transactions of Rs. 500/- each were done through my bank account for some recharge. I got this information on my mobile that two such transactions were done through someone whom I don't know. I immdiately made the complaint in the bank i.e. ICICI Bank in which I am holding my Salary Account and my complaint number was SR[protected] and they told me that we will look into your complaint and let you know about it within one month.

I called them mnay time but didn't get any positive response from them, they just told me that they are looking into my case.One of the CCE of ICICI Bank told me that this amount will be soon crediited in your account. But in February, 2011 they called me up and told me that their was no fraud transaction done and they will not repay any amount to me.

After seeing your programme my brother told be that I should you to get my money refunded from the bank and also I should get a compensation for the mental harassment I got from the bank being their old customer.

I had also made the complaint in Police Station but out of veil I didn't get any positive response for that.

Total amount was Rs. 1000/- for which someone had done some recharge of the phone number [protected] (i am not aware of this number) and the most shocking thing was that this was through net banking. After this I closed my net banking and till date I have not continued it.

For your knowledge I am also enclosing the copy of complaint I made with the bank, the bank statement which shows these transactions and also the copy of complaint made in the Police Station.

Please do look into my matter as I would be highly greatful to you.


Thanks & Regards
SADAF KAUSAR
Mobile no. [protected]

I had submitted my complaint in different forms as mentioned below with in "" about ICICI Harassment on Credit card/loan. after few days one ICICI lady had talk to me and come back to me on settlement. Few days they had stopped calls and setty ICICI agent calling me again and abuse me also say illegally they recover.

Now i have no option to write complaint to RBI ombudsman and wait. i want to take this battle to Lok Adalat too.

I had settlement with Citibank, they had done very gently and understood my problem and did settlement as per my financial situation, where as ICICI is very harsh and bad.

as per my current situation i am ready to take jail, because i am not in position to settle so much amount and i am not able to earn so much being outside.

"Harassment by ICICI recovery agents
I am getting harassed by ICICI recovery agents and Manger from Vashi Branch, They call me and also some of my relatives and friends. they using very abusive languages.

I don't know how they got their numbers. I am always pick their call still they are calling and harassing.

In 2007 i owe 94000 and i had paid 75000 in different times. Now they claim i have to pay 1.2 Laks. I don't have any job and i am single. i ready for settlement but they demand 55000. i can not pay such big amount. I am living in Mumbai working for small salaries. My friends and relatives criticizes. i feel to suicide please help hot to come out of this.

On top of above they they force me to settle my personal loan 125000/-,
Can someone advice me what to do"


Regards
[protected]

In my experience, the forex rate provided by ICICI Bank are very low compared to the rate published by RBI and other nationalised or private banks (HDFC )in India.
ICICI should fall in line with other banks and compensate to the people who have been inconvenienced and complained against this.
I appeal to their customers to come forward and share their experiences/evidence so we can go to court/banking ombudsman for redressal.The least we can do is switch to more ethical banks.

I had a requirement of a personal loan for some personal expenses, but was not sure if i will be eligible for the same, since i already had a home loan and a car loan, also since i am working in a bank myself was aware of the eligibility criteria that banks have.
My primary bankers are ICICI bank since the past 10 years, an executive named Anil from the Chembur branch of ICICI called up convincing me that not 100% of my requiremnet but atelast 50% of the same can be funded by ICICI. I repeatedly told him that I would only want to apply for a loan if the funding is possible considering my eligilibility and would not want any case showing as declined with the bank if the eligibility does not work.
But he with 100% confidence and post checking with his seniors told me that it is possible, and collected all necessary documents and signatures.
Today it has been over a week i have not heard from him, his number is switched off and upon me checking with the bank i got to understand that my case has been declined; but without any intimation to me from the bank.
I think this is a highly unacceptable behaviour from ICICI bank and his executives, would request the bank to please look into the matter and ensure that necessary actions are taken against the executive in question.

I intended to withdraw cash of INR 3000 using my HDFC debit card on 07th November 2011 at 1.42PM. However, I got cash of only INR 1600 while the withdrawl statement showed INR 3000 debit in my account. During the same time, there were a team of two people inside the ATM room who completed loading of cash in the ATM. They were there when I got only INR 1600 and said it is a common issue with this ATM and I would get the credit in my bank account in two/three business days. When I raised this issue with HDFC Bank, to my surprise, ICICI bank presented a successful transaction of INR 3000 withdrawal. Could some one look into this pls as this is a serious concern for all the people withdrawing cash in this specific ICICI bank ATM.

Best Regards,
Ramakrishna A

ICICI.... Rajajinagar dr. Rajkumar road branch... Token machine does not work.. and it has been 10 month or above.... Datz a Pvt. Bank and has bagged number of awards ever... Plight..............!!!!!!!!!!! just a token vending machine .... a small stuff ... horrible... atleast dont claim to deliver best services bla bla bla bla bla...............

Dear Mr. Laddha,

We understand your concern.

We would like to inform you that, whenever Customer will make a Partpayment on or before the Equated Monthly Installment (EMI) due date ,the effect of the Partpayment will be given in the same month which will be observed in the EMI payable by you in the next month, as the EMI will be collected on arrear basis.

If the Partpayment is made after the EMI due date the effect will be given in the next month which will be observed in the EMI payable by you in the next to next month.

Similarly as you have made the Partpayment on October 17, 2011 which is after your Equated Monthly Installment (EMI) the effect would be given in the next month i.e. in November EMI Payable in the month of December 2011.

We look forward to more opportunities to be of service to you.

Sincerely,

Srivani M
Customer Service Officer
ICICI Bank Limited

ICICI Bank-Non-Adjustment of part Pre-Payment Amount


Dear Sir
Inspite of our complaint of not crediting our accounts with the funds already deposited in loan account you have again sent us a statement which has all the flaws.PLEASE NOTE YOU ARE NOT HERE TO EARN ILLEGAL INTEREST FROM US .YOU ARE CREDITING THE ACCOUNT AS PER YOUR WILLS AND FANCY AND AT YOUR PLEASURE TIME SOMETIMES AFTER MONTHS WHICH IS AGAINST RBI GUIDELINES.
Last time also i requested you to send a perfect statement but you people are not bothered .this is the last apportunity i give you to make necessary adhjustments regarding late credits to my account.Pl find a sample chart for the same where u have not done so in my loan account.

IN REPLY ICICI IS SAYING THAT IT IS THEIR POLICY TO CREDIT PART PAYMENT IN SUBSEQUENT MONTHS.HOW COME MY PART PAYMENT IS ADJUSTED LATE WHEN I PAY IT MUCH EARLIER.BUT THEY HAVE BECOME NON RECEIPIENT TO CUSTOMERS COMPLAINT AND THEY SPEAK THEIR OWN LANGUAGE.