ICICI Bank Complaints & Reviews

Hi All,

My Name is XYZ as i dont want to reveal my name . I am paying the personal loan of my Wife from last 48 months . From last one month i am not able to pay the EMI due to some financial crisis .

ICICI Bank personal loan recovery agents are harrashing me like any thing . Sending some harsh sms . Exectutive Ph # [protected].

They even threated me that they will caught me and my wife outside . I dont understand is non payment of one EMI is such a crime ?

Please help me in this regard .

I am very hopeful that i will pay in next month .

ICICI Bank recovery agents have been harassing me a lady and my father on our mobile numbers. I have not taken any loan from ICICI Bank / nor have any credit card defaults with them. we have been receiving threatening calls from the Recovery agents. The people who call us are Pradeep balakrishnan, Bharath and Rajaguru.

The numbers where the calls come from are as follows: [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected].

I am planning to lodge a complaint in the ladies police station on the harassment meted to us by the ICICI recovery agents.

As per the RBI act,

the agents should not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude into the privacy of the [B][U]borrower's / credit card holder's FAMILY MEMBERS, referees and friends, making threatening and anonymous calls or making false or misleading representations.

I am Anandkumar Desai, having salary account with ICICI Bank, Chinchwad branch.
I had lost my purse and the debit card on 18/12/2011. on the same day, between 8 p.m. to 11:00 p.m. I have tried to reach to customer care executive to block my card by calling on [protected] 35-40 times. But constantly there was a message that the number is busy kindly try after some time.
At 11:00 p.m. somehow I was able to connect with another customer service number and blocked my card and made the application for new card on the same time. The executive who has taken my application of new card, told me that I shal receive the new card within 3 working days and I will be charged by Rs. 221 for that.
On 21/12/2011, my account has been debited by Rs. 221. On 22/12/2011 I had received the PIN number for the new card but not the card. Today, on 23/12/2011, when I called again to customer care number, the executive told me that it will take around 10 days to receive a new card at your residence.

I am attaching the scan copy of the written complaint that i have made to the branch manager - Chinchwad, Pune

So, to concude,
1) Customer care numbers are not working when required
2) There are always descrepencies in the information provided by the customer care executives.

What protection is provided to the consumer for wrong information and non availability of service as and when required?

PLEASE INFORM EMAIL-ID OF 3i-Infortech Ltd., Navi Mumbai for correspondence in regard to non receipt of redemption amount of ICICI Bonds.

My iMINT Card number = [protected]
PAYBACK user name = gautam.sood

When I created the PAYBACK account today, account name = gautam.sood, some 3650+2350+5450 = 11450 were taken BACK by PAYBACK under PAYBACK Redemption.

Under ICICI the rules say:
"Your PAYBACK points expire after 3 years from the date the points are credited to your PAYBACK account."
In my case, since my account got created today --> It cant be cancelled before I even join PAYBACK and the iMINT points should be VALID.

Since I registered today and all my points were under iMINT since all this while - how can they be cancelled?
ICICI also says:
"your i-mint points will be transferred to your PAYBACK account at no extra charge and with no change in your point status"

I should get all my IMINT points in PAYBACK !!!
Please advise.

Hi,

I'd purchased a Flat in 2008. At the time of Registration, 1st cheque of my home loan was disbursed with my signature, however the remaining amount was disbursed (in 2 installments) in subsequent months without my knowledge and signature.
Builder upon receiving entire amount, systematically avoided the construction activites and now left in the midway with still lot of work pending. When approached, he will settle the issue in the Court of Law. However, am paying the EMI regularly for no benefit in return.
As the Advocates, i approached so far was not professional enough to settle the issue ASAP i.e. they are customer hunter's for money, kindly help me in clarifying/answering the below questions -
1) As my flat issue is around 3 yrs old, can i approach the consumer court for help ?
2) If so, what's the process in approaching the court and getting settled the issue ?
3) How to find able lawyer, who can work professionally and help me in resolving the case ?
4) Can i take any action on ICICI Bank ?
5) Want to Reschedule the Loan Cycle i.e. stop the interest calculation on my loan, until the completion of my flat.

Note:- From the Disbursement Forms submitted by the Bank, i can clearly establish the Signature Forgery.

Thank You,
R.K.

My name is in defulater list , please remove my name from CIBIL

Credit card number : [protected]

without my knowledge , ICICI bank person debit the amount from credit card for health insurance , i am arguing with ICICI , But no respose , after six month gone in to the defaulter list.

i sent lot mails to ICICI Customer care , no rsponse , no response .

Pls do the needful

Hi Team,

I had been using an ICICI Credit card since 2008 and I had a Two Wheeler Loan as well in 2009 when my Two Wheeler Loan installments were paid off then I received a call from ICICI Lombard to get an Health Insurance Policy but I denied at the same time instead of they issued a Health Policy, even I did not receive a single paper of that policy. An amount of Rs. 6,000 was deducted from my credit card. I called many times in ICICI Lombard to terminate it even I discussed with the executive and he told me to drop an email to terminate it then it will be terminated automatically but actually it did not happen.

Then I decided not to pay anything for this, now I became a big Defaulter in CIBIL.
Please suggest me as earlier what would be in my favor.


Thanks,
Sandeep Roy
Cell: +91-[protected]

I have same problems all over again
Netbanking transaction password never worked after 10 complaints
ATM were not updated for credit card payment at any of the nearest branch at indore near my home.
unreasonable penalty and charges on icici bank credit card even after paying the all dues and purchase charges.
i am fed up of this problem with icici bank and icici bank credit cards .

Dear Sir,

I have invested Rs.5000/- each in ICICI Safety Bonds - July 2001 and ICICI Safety Bonds - November 2001. The investment is for the purpose tax saving and investment. I have kept the bonds in locker and forgot about it. Now when I went to bank to collect some other article I found the bonds which were already matured. Kindly guide me to get the maturity amount at the earliest. Thank you

V.Ravikumar
230, 21st East Street,
Kamaraj Nagar,
Thiruvanmiyur,
Chennai 600041

Ph 24488473

Al rajhi Tahweel...Thuqba (Saudi Arabia) [protected] Remitter Code 1914880 PON: [protected] qurey referance 3653185 dated 0/11/2011
Beneficiary name Razia A.s. >location code 00867(icici)
payment Bank Bank of Baroda Br Clare Road Mumbai # 400008

Remarks by icici Bank PON/[protected]/734 Refunded Reason ; BEF A/C No incorrect Refunded Amount

The Point is the didn't Co-ordinate or send the remittance to payment bank/Beneficiary Branch.( i have the letter from said branch

Amendment field refund the deduction amount Saudi Riyal 475
with regards
Remitter code 1914880

i was paying electricity bill by internet banking.
My balance deducted in my saving account but bill not payed. after that i had
Complained inn icici custcare my request no. is sr[protected] is registered on 12/11/2011
Balance deducted date 8/11/2011 rs 801
He was saying that it will be processed in 10 working days from request date.
but i did not got any response till now.

I am holder of ICICI Tax Saving Bond 082001 TSB one (Face value Rs. 5000). I located the Certificate recently. I am not sure the redemption amount for the above bond has been paid to me. Kindly confirm the same and if the payment has been made, the date of payment.
Thanking you
Yours faithfully
Johny Jacob

To,
The Banking Lokpal,

Sub:- Complaint about credit card issued by ICICI Bank Delhi.


Sir,
I bought credit card from ICICI Bank in Oct.2005, my credit card no-([protected] ). I purchased some goods during the period from 20/11/2005 to 14/02/2006, amounting Rs. 10984.00. I deposited Rs19680.00 during the period from 14/12/2005 to 10/10/2007. The amount paid had been collected by the bank agent and I got payment receipts in original, which are kept with me. The amount deposited by me includes principal money and interest for two years @ 2.95% p.m. and service tax @ 10.9%.
After depositing the amount the bank did not issued me NOC and the bank is harassing and threatening me several times on phone. The bank has malafied intention to bargain me. Even in Lok Adalat the case has been cleared but the bank authorities are disturbing me till now.

Hence I request your honour kindly to look into the matter and please take necessary action, so that the bank does not harass me in future.

This is for your information and necessary action please as soon as possible.

Thanking you,

Yours truly,
Rajnish sinha
House no- B-188/189,
Tagore garden extn.
New delhi-110027

Dear Sir,

Since my ATM card pin number is forgotten and got locked, kindly provide me new pin number. My card detail is [protected].

Regards,
B.Sridhar
Mobile No: [protected]

Dear Marketing Team @ ICICI,

It would be better if you were to avoid any cross promotions / cross selling of shopping sites like shoppers stop for availing your service. You make it look like a bonus or incentive but the only winner in this is Shoppers Stop and not you.

While it may have been my fault not to read the conditionalities of the offer in my inbox because the link which was not enabled and had to be copy+pasted to visit. Still, I feel I do not need such a misleading offer to continue patronising ICICI Bill Pay services.

Anyways, your erstwhile imint and now paybacks do not have an rewarding experience for 'reward points' You do not have to rub it in with these offers.

Trust you will either come up with an actually rewarding scheme which does not involve any shenanigans or hidden expenses. I would rather have something very nominal like a coffee mug worth Rs.50 with a cute caricature sketch of Chennai (and likewise given for respective users in Mumbai, Bangalore and other cities) for patronising HSBC's Credit card Bill Pay service. I still treasure this mug which has HSBC branding integrated in the caricature and keep it on my office desktop. It also closely reflects HSBC's credo line of being a 'local' bank.

Something creative on those lines while still being cost effective would be more appropriate and ensure a positive 'rewards' experience than these schemes which I feel are just below ponzi schemes.

Your Promotional Mail Below:

Dear Customer, Thank you for using ICICI Bank Net Banking Bill Pay service. Your discount code is 69258187ICICIBILPS . Please visit www.shoppersstop.com to redeem your discount code. Last date for redemption is December 31, 2011. For offer details, please visit http://www.icicibank.com/online-services/offer-zone/shoppersstop.html. Sincerely, ICICI Bank Internet Banking

Dear Team,

I B. Vijay Kishore worked for ICICI Bank, I resigned my job on 25th december 2010, till to day i dint get My EPS Amount.

I request you to process it As soon As possible.

My EMP ID 165229

Pension A/c No MH/18796/110786

Regards,

B.Vijay Kishore

Hi All,

I bought investmentshield cashback policy from ICICIpru life with a Rs 5000 premium per month. Since last 40 months I have paid Rs. 2,00,000 in premium but my funds were performed really badly and my net fund value showed only Rs. 1,40,000. Which means a loss of Rs. 60,000 in 3 years.

I come to know that my assets were very poorly and carelessly allocated to start with( 100% debt and 0% equity). Even though the optimized asset allocation tool kept on alerting that assets must be properly allocated, nothing was done about it. As, for some strange reasons, ICICIinvest sheild doesn't allow the asset switch to correct for the mistakes !! To add to worries, the fund advisor of icici ( could be very well any roadside agent) doesn't have any contact details. How it could be ?? Customer care doesn't know anything, of course.

Now, the loss of my hard earned money and no option to salvage or minimize my losses is very painful and traumatic.

Any advice or action against such traps by ICICI to rob consumers of their hard earned money would be really appreciated and helpful.

Regards,
Vishal

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3rd September, 2011
Hon’ble Finance Minister
North Block, New Delhi-110001

Subject : 1. ICICI Bank is indulging in unfair trade practices to
Dupe innocent Home Loan Customers/ operating in
self styled fashion without fear of Law

2. ICICI Bank Levied Pre-Payment Penalty on Principle
O/S Rs 1,10,749.00 to the tune of Rs 16,039.05 @ 14.48%

3. Principal O/S Rs 1,05,698.00 was, as per ICICI Bank
record attached, but they hiked it to Rs 1,10,749.00

4. Original Loan was granted by ICICI Home Finance
but to avoid purview under HFC they seems to have falsified records to dupe the Public in India, People already facing heat on account of Interest Hike, inflation, economic slowdown, job losses, Price Hike to name few.

5. The inflation, Price hike, Economic Slowdown takes time to control but this practice is easier to control and will benefit masses and will enhance the image of the Government being pro masses.

Most Respected Hon’ble Finance Minister,

I beg apology for encroaching upon your valuable time, but today I exhausted all channels in HFC & Ministry of Finance, who in turn referred it back to HFC, leveling me back to square one. The facts of the case are penciled down as under;

1. I have availed home Loan from ICICI HOME FINANCE vide Loan account Numbers LBDEL[protected] & LBDEL[protected], offer letter attached in “Appendix 6” page no’s 20 to 23.

2. The ICICI Bank levied pre-payment penalty against Account Number LBDEL[protected] @ 14.48%, on Principal O/S of Rs 1,10,749.00 amounting to Rs 16,039.05, closure letter is enclosed in “Appendix 3” page no. 1.

3. The Principal O/S as per ICICI Bank record is was 1,05,898.00 but raised it to 1,10,749.00, record downloaded from ICICI Bank is attached in “Appendix 3” page no. 4.

4. Had I paid installments stretched over 13 months, I would have ended paying Rs 1,12,882.00, whereas they charged me Rs 1,30,396.31, copy of cheque attached in “Appendix 3”, “Page no. 2”.A clean penalty to the tune of Rs 17514.31 for paying early, besides putting other interest charge etc..

5. The Bank also levied pre-payment penalty on 2nd Loan Account No. LBDEL[protected], Principal O/S 3,66,592.00 @ 2.21%, of Rs 8101.68.

6. Needless to mention but the time value of money principal applies here that “a Rupee today is worth more than a Rupee in the future” Banks should give discounts rather than imposing pre-payment penalty.

7. I represented my case to housing Financial Corporation vide letter Ref. ref. no. NHB/ICICIBANK/HL SETTLEMENT/1 Dated 14th June, 2011, copy enclosed in “Appendix 5” pages 16 to 19. The same was registered vide ack. Letter ref. no. NHB(ND)/Complaint Cell/577/7531/2011/7439 dated 22nd June, 2011, copy attached in “Appendix 5” page no. 15.

8. The same case was returned by NHB vide letter ref. no. NHB(ND)/Complaint Cell/577/11654/2011 dated August 25, 2011, citing jurisdiction issue. The copy of reply is enclosed in “Appendix 5” page 12. It seems that NHB did not go deeply in the documents/ references I made in my letters enclosed in “Appendix 5” pages 12(1) to 13 & 16 to 19.

9. The fact remains that Loan Offer letter was originally issued by ICICI Home Finance, enclosed in “Appendix 6”, pages 20 to 23, subsequently the loan revision letter as well as “Provisional statement for claiming Deductions under Section 80C(2)(xviii) & 24 (b) of the Income tax act, 1961” was also issued by ICICI HOME FINANCE, please refer “Appendix 7” , pages 24 to 26 &“Appendix 8” pages 27 & 28. Please also refer “Appendix 10” pages from 58 to 78, Loan Agreement inked between ICICI HOME FINANCE & us.

10. The above mentioned documents establishes beyond all doubt that HFC was mislead by ICICI Bank and they tried the same to me by writing letter dated July 13, 2011, copy enclosed in “Appendix 5”, page 14. Now let us say even if ICICI Bank is acting as per law by managing readings between lines or using whatever technique then this is not pro-people but pro-Bank. A Google search would reveal how many people are suffering, sucked by Banks and the complaints are falling on deaf ears, becoming part of the web achieves.

11. The same complaint is also lodged with PG Portal vide Ref. No. DEABD/E/2011/01013 dated 21st July, 2011.

12. Even this information was also filed with Competition Commission of India under Section 4(2) of CCI-Abuse of Dominant position by ICICI Bank, vide letter Ref. No. :CCI/ICICIBANK/HL SETTLEMENT/1 Dated 14th June, 2011, Copy enclosed vide “Appendix 4” Pages from 8 to 11, but without response till date. It needs special attention of CCI as it is not affecting individuals but masses running in Millions.

13. Unless stringent action coupled with unusual penalties viz. 100 times or more the amount realized/ extracted is imposed on Banks, they will continue to extract /extort money from people, and affected parties will grow manifold day by day causing resentment among the masses.

14. Hon’ble Finance Minister your intervention at this crucial juncture is sought to benefit masses by restoring the money collected by Banks for the last two or three years with penal interest. It will also boost the image of the government especially at a time when countrymen are bleeding on account of inflation, price hike, interest hike, fuel price hike, to name few. It will be viewed as populist measure in favor of masses/ families suffered, suffering and are suppose to suffer in future in the hands of Lending Institutions/ Banks.

Thanking you for your precious time and looking forward positive action in favor of your own Countryman.

Truly Yours,


Ashwani Kumar
BE(Electronics & telecommunications),MBA(Mktg.)
FIETE,MIE,C.Eng(Chartered Engineer),FIV
10, Surya Kiran Apartments,
D Block, Vikas Puri,
New Delhi-110018
Copy to:
1. Chairman & Managing Director
National Housing Bank
Core 5A, 5th Floor,
India Habitat Centre,
Lodhi Road, New Delhi-110003

2. Hon’ble Minister of Corporate Affairs
MINISTRY OF CORPORATE AFFAIRS
'A' WING, SHASTRI BHAWAN
RAJENDRA PRASAD ROAD,
NEW DELHI - 110 001