ICICI Bank Complaints & Reviews

To whom so ever it may concern

I have given all my documents to open an ICICI Direct 3 in 1 a/c on 29th August 2011, after doing regular follow ups my a/c was opened in 23 days.

Even after account was opened there was relationship manager who helped me out in understanding how does ICICI Direct works for trading and how does the a/c gets activated.

On 24th September 2011 after repetitive phone calls by me, finally my a/c was activated and when I was trying to do trading the error message was "You Have not submitted Pan card copy", whereas I submitted it at the time I gave all documents and also I verified it when an executive cme for KYC.

After 25 days of submitting all documents I am still not able to do online trading.

I will never refer ICICI Direct to anyone

Karan
[protected]

I have remitted the premium of my following policies no.14397668 and 14395699 through icici prudential life insurance office at Perambalur. The cheque given for the above policy premium has realised in time. But I have not received the premium receipt till now.
Please help me for the same.
A Mani
93F/3B Venkatesapuram,
Behind New Bus stand,
Perambalur 621212.

ICICI Bank is a and Fraud Company, sucking customers money like anything.

I am Yogesh Dhiman, existing customer of ICICI Bank Credit Card Number [protected].

Every month, for the last 2-3 years, the ICICI Bank has been charging me wrong amount. There is wrong charge every month. For example, for the September 2011 month, On 7th sep, the outstanding balance was around 32,000 rs, and I made a payment of Rs 7000 on 15th Sep....The outstanding balnace should be around 25,000 , but afraid to say it is Rs. 27000.



My card has been lost, and I am not able to watch my statement even on the ICICI Bank website, but for the last 2-3 months, the bank has been deducting me wrong amount for this card.





Yogesh DHiman,

Mb":- [protected]

Sir,
I would like to bring to your notice that a sum of Rs. 7,603.00 has been transacted from my credit card on 03 Septemper 2011 in the name of ICVBP IPRUODAY with a transaction Ref.Number 74678721248068377084187.


I have had already paid my EMI's (Rs:6550) dated on 02/09/2011 at single shot. But still in the statement card its showing as pending from my end.

Could be please do the necessary action.

Thanks,
RAJESWARY GANESH

I am Corporate A/C holder of ICICI Bank having opened my Account on the 18th of August 2011. I am really disappointed with the kind of service which ICICI Bank has offered me Till date I have not got the access to the Net Banking Facility and till date my Dmat Account is not Active yet. I have been dealing with ICICI's associate by the name of “Shireen” Contact number [protected] the way in which she spoke to me when asked for an explanation is really Rude in fact she shouted at me. If this is the way a Pvt Bank is going to function then I am so confident ICIC Bank will be shutting down its operation round the corner. You guys need to understand “Customer is always RIGHT”

Dear Sir,

I need to bring to your attention my experience as an ICICI Bank customer.

My name is Lalit Kumar and I was using an ICICI Credit Card # [protected] which is about 5-6 years old and due to some problems with the bank I had stopped paying the credit card dues.

Now few days ago some ICICI recovery agent named Nandan & Sanjay Singh has started calling at my mobile no. from no.s'[protected]/10/11/13 stating that they would like to do a full and final settlement on my card and if I am ready to pay the settlement amount, all my dues would be clear and I would receive an NOC from ICICI on my credit card and my name would be removed from the default list in CIBIL as well.

I agreed to pay the settlement amount but kind of terms and conditions they put, was not affordable by me. However due to some emergency I was unable to furnish that settlement that month. Even then I tried hard to sort out the things, but then these guy used abusive language and started threatening me that he has my home and office address and he is going to come and beat me and my family up to ensure that I pay the amount or he will create a nuisance in my office and ensure I get kicked
out of my office.

The very same day they had called my office and started threatening that if, I didn't pay the amount they will keep calling me everyday to get the money out. He is even using the same language with the receptionist and my office staff.

I already have asked him to call on my personal no., however he is adamant to talk on my official no. & at my home, my parents are more than 70 years old, they requested not to use this kind of language and clear that he (me) is not at home so please call at his mobile but they used to call and harass them.

Now he has been calling everyday and threatening me of dire consequences, if I didn’t make the payment on Maximum by 22nd of September.

I am not sure what do to at this stage as I fear the way Nandan & Sanjay Singh has been calling and threatening me to call at my office, he will either cause harm to my family or my job.

These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behavior and language, which is legally and ethically against the Human Rights and Indian Penal Code.

I would request you to kindly advice if I should file an FIR against ICICI bank and Mr. Nandan & Mr. Sanjay Singh. I am not sure at this point how to get rid of these men's who has been harassing me and has been threatening of calling the senior level people in my company which could easily cost me my job.

I would also like to know how I can settle my dues and obtain the NOC from ICICI bank to get my name removed from CIBIL.

PLEASE NOTE THAT ALL THE EVENTS STATED ABOVE HAPPENED BETWEEN THE TIME PERIOD OF August 2011- September 2011.
We hope that you take note of this experience and help us.

Appreciate all help & support.

Thanks!

Lalit Kumar
+91-[protected]

Sir,
This is to informa you that I am a credit card holer of ICICI bank,bearing the number [protected].The due amount was 39,903 as per their record.Where as my due as per purchase was 15,600.No body had contacted me for this collection and I hace also not paid the same .But suddenly I twas found that they have liened my account[protected],which is a slary account with them opend on 19.5.2011.They have shown me the -10k.While I contacted them they told me that nothing can be done.Since I had issued some cheques I deposited the amount for which baklance 10k also been liened.Whwn I spoke to them and asked to settle the account this people are not even interestd to talk to me.I have borrowed money from out sider on interest because Bank has deducted money without any information.And above all this account has been opened by our company authorization as salary account.While I contacted no body responded to me or guded properly.Now i have been mentally harrased .I also told them to settle this account immediately but nobody responded.I was informed that this was as per RBI guidelines.Which was not communicated to us earlier also.
Please look into this on priority.
Regards
Sandip Nayak
[protected]
Sandip Nayak

I hold an account in ICICI Bank Greater Kailash-2 ,New Delhi branch .I checked my balance in another bank`s ATM on 17/09/11 08:49 a.m. and a sum of Rs 9.50 was deducted from my account as Balance inquiry fee .This sum is wrongly deducted from my account and I request to kindly see to the complaint and get the sum refunded in my account as early as possible.
Thanking you.
Name - Chirayu
A/C No.[protected]
Icici Bank branch Greater Kailash-2 branch.

My account have sufficient balance regarding ECS on 09.08.2011,but bank return my ECS three times and charges debited in my account,so I want to revert of these charges as soon as possible.also reply regarding my ecs return but my account have sufficient balance.
My saving a/c number is[protected]/davendra kumawat/icici bank c-scheme branch jaipur.If bank will not be taken action against this then I will go to consumer forum.

Two years ago in July, 2009, an agent or an ICICI Bank employee called me to open a Demat Account. I said that I don't want a Demat Account as I do not trade. He consistently tried to convince me and also told that If I open the Demat Account I will also get a 0 Balance Account. This option of having a zero balance account forced me to open the Demat Account for which I also got a Savings Account in ICICI Bank for which I do not have to maintain any balance. He told to me to give Rs. 500 as an opening charge of the Demat Account which can be refunded if I do a trade in the Demat Account that is Buy and then Sell. Accordingly I gave him Rs. 500 and after few days he helped me to do the trade and I got around Rs. 450 credited to my Savings Account. As a result as told by the Agent/ICICI Bank employee, I withdrew the amount and then my balance in the saving bank account got zero or so, I don't remember that now actually.

Now after two years in September, 2011, I thought o[censored]sing the ICICI Bank Savings account and in fact I thought of converting the account into my Salary Account.
But from Customer Care I came to know, that my account has become INACTIVE. He advised me to deposit some amount by which the account will be automatically become ACTIVE. As told by the Customer Care, I deposited Rs. 100 but again the balance become zero. When I called Customer Care, he told me that the Rs. 100 was deducted as Debit Card annual charges, so the account was still INACTIVE.

When I went to the branch, where my account was opened, I had to wait for 2 hrs after which they attended me. I was told to contact the person who works for Demat Accounts.
So, I went to the person looking after Demat Accounts. After explaining all my situation, he told me that I have Rs. 460 as the DP Charge pending in my account.

I WAS SHOCKED WHEN I HEARD ABOUT THE CHARGES because the person who opened the account did not tell me anything about this thing. Anyway when
I requested him if anything can be done to waive the charges, the person at the Demat Account counter simply denied and told me that I was saved from levying more charges because the savings account is a zero balance account, I would have to give more charges if it was not zero balance. So, in this way at the Branch, the person favored the Agent/ICICI Bank employee who did FRAUD with me.

Anyway, I accepted the charges and was ready to pay the Demat Charges, in fact I have already paid Rs. 500 in my Demat Account and also submitted a request for the Closure of the Demat Account. But this was not done in a single day.
When I first entered the branch, I was told to sit for few min but I waited for 2 hrs and in just 2-5 min the person at the Demat Counter told me all of the above but did not accepted the request for closure of the account. Instead I had to go to the branch again the next day. He should have told me first day only that nothing can be done today please come the next day but he just harassed me waiting for 2 hrs and asking me to come next day.

SO THIS IS HOW THE ICICI BANK EMPLOYEES ARE............

My intention was to convert or open a Salary Account in ICICI Bank when I first entered the Branch, but after the misbehavior of the employee or person at the Demat Account I decided not only to close the Demat Account but also the close the savings account and never open any type of account in ICICI BANK.

PLEASE BE AWARE OF THE ICICI BANK EMPLOYEES AND THE OFFERS THEY PROVIDE...

My ICICI Savings Bank Account No. is[protected].
My Cell no. is [protected].

To,
The ICICI Bank LTD,
House Building Loan Department,
customer.[protected]@icicibank.com

Sub: Loan No. LBCAL[protected]
Dear Sir,
I would like to draw your kind attention for the following facts for your kind perusal and remedial measure immediately that.

1) I have been granted with a House Building Loan of Rs.3,42,000.00 vide the above mentioned Loan Number. The first Installment amount of Rs.250000.00 has been disbursed on 31.01.2003 and Second Installment amount of Rs.92000.00 has been disbursed on 02.04.2003. The EMI of Rs.3623.00 started from May’03.

2. The Loan was sanctioned with Floating interest initially and at the material time the ROI was 9.75%.

3. The tenure of Loan was 180 Months.

4. I have been given chance by ICICI Bank to exercise my option to avail ROI on Floating or Fixed in the month of January’04.

5. I have exercised the option and opt to fixed the interest rate for which I have paid Rs.1666.00 i.e 0.5% as processing fee on the outstanding Loan amount of Rs.333243.00 in the month of Feb’04.(Receipt No. 0248291)

6. At the material time the ROI as Fixed was 7.75% and after calculating, the Revised tenure of Loan was calculated as 141 months from the month of February’04. The receipt of payment and calculation sheet is enclosed for ready reference.

7. Since then I am clearing the EMI without fail a single chance keeping in mind to clear 141 EMI from the month of Feb’04.

8. Surprisingly, I have received one letter having No. 0023228 dated 08.07.2011 that till date my loan has been calculating at your Bank as Floating (ROI) instead of Fixed (ROI) since 2004 and as per your letter there is still 147 EMI to clear the amount.

9. Under the above circumstances, I would like to request your kind goodself to please intervene the matter to set right the issue with full of gravity and reschedule the Nos. of EMI baqsed the Loan amount as Fixed interest w.e.f Feb’04 and let me to know the reaming EMI to clear the entire Loan amount or settle the amount immediately to clear off the Loan Amount and get relief from the burden.

Hope your goodself will take appropriate action immediately otherwise there will be no other alternative way but to stop the payment of EMI immediately and take the help of natural justice since I am suffering with financial crisis as depriving from the fundamental rights as per constitution.

Your early action in this matter is solicited.
With Regards,

(ANANGA KUMAR PRADHAN)
LOAN No. LBCAL[protected]
MB.No. [protected], Date: 05.09.2011
Email: [protected]@rediffmail.com

Its time that ICICI Bank shuts down its operations due to its inability in managing its business. I made an international transaction through my credit card on 31st August 2011 for an amount of Rs.30,000/-. The merchant didnt bill me against my card as they do not accept international credit cards (which i was not aware till i made the transaction). The merchant sent me a confirmation mail saying that he didnt bill me against my credit card and wanted me to check with my credit card issued bank to return the money.

But we all know how fast icici bank services work. I didnt get my money till today 15th September 2011. Every time i call up, i get to hear a nonsense story from the so called customer service officers. Nobody knows the correct information (including the escalations officers over there). The merchant with whom i made the transaction who is in US, also called up the bank upon my request to confirm that the transaction is cancelled. But the merchant was also put to trouble by the bank asking him to send a confirmation fax which he did on 13th september itself,

However, we all know how fast the bank is. I still didnt get my money. The bank should start learning few things from other merchants. The merchant even though he is located in US and is not at all responsible for holding back my money, called up the bank and also faxed the confirmation mail upon my request. And here we are in India dealing with a nonsense bank called ICICI bank which is not willing to help its customers.

ICICI BANK HIGH TIME THAT YOU CHANGE YOUR STRATEGY AND BE CUSTOMER CENTRIC

Dear Sir,

My Mom had invested Rs 20, 000/- in "ICICI Safety Bonds, February, 2001"
Deemed Date of Allotment 22.03.2001., Redemption Date 22.03.2004.
Bondholder No.[protected], Certificate No. 121290,121291, Distinctive Nos.231261, 231262
Bondholder No.[protected], Certificate No. 121292,121293, Distinctive Nos.231263, 231264
Kindly let me know the latest status of the above mentioned and also we want to know the procedure to close these bonds

With Regards,

T.D.Muruganandam

I had opened a savings account on 23/08/2011 with ICICI Bank, Jaysingpur Branch. As my permanent address is of Ajmer they told me to provide passport which has Ajmer's address and Telephone Bill for communication address of Jaysingpur and it was informed to me that I will get the kit which consists of Cheque Book, Debit Card, Pin, etc. within 8-10 business days. I was happy till then but I had not received anything till 10/09/2011 so I called the so called customer care and they informed me that it has been dispatched on 05/09/2011 and told me to visit the branch for further information. I visited the branch and to my horror my permanent and communication address is showing as Ajmer and the kit was on the way to Ajmer where in theres no one to collect it. The bank authorities informed that the Bank Person has given the correct details and the error is from our end as we had not informed them about the communication address where in the fact is that I also gave the telephone bill of Jaysingpur after sometime when they were caught in the web they accepted that the error is from the verification dept. After this they informed that I will have to resubmit the documents and it will take more 10-15 days for the kit to reach me as it will be delivered from Ajmer to Jaipur and then Jaipur to Jaysingpur and then I will have to collect it from the branch. They have issued only a five leaflet booklet for 1 month usage. This is the worst and unexpected service from ICICI. I will be writing this to consumer complaint as well for further investigation as this can lead to fraud case accounts.... I have forwarded the same to Indian Consumer Complaint, India Complaints and ICICI Complaint services... Lets see what happens next??? Now I really know why ICICI's tag is HUM HAIN NA... for confusions????

Dear Sir,

I have taken a home loan at floating interest during 2006. By that time it was 8.0%.
The interest rate went up to 14.5 % in due course. Presently I am paying the EMI at 14.5 %.

Now ICICI Bank gives home loan @ 10.25 %.
As I am in the floating interest mode, why the same is not applicable to me.
I visited the branch, they told they can switch my loan to 10.50 % if I take the some policy of around 30000 which is absolutely not needed.

I had paid around 3 Lacs in last 4-5 years ,still principal is reduced by just 20,000 only .

Why should I buy medical policy which is not needed and to waste my money?

Due to this I am not able to switch the interest rate from last 4 years, Who will bear this cost? I want the compensation for financial and mental harassment.

Please change my interest rate without asking for purchase of any new product.
Please do for the needful .

Thanks & Regards,
Rahul Patil
[protected]
Loan A/c No :LBDHU[protected].
Email ID : [protected]@Syntelinc.com

Please find below the gist of happenings regarding the fraudulent ATM transactions from my ICICI account .

1. On 6th Sep morning I have noticed 6 SMS in my registered mobile No regarding ATM transaction from my ICICI account.
2. 3 SMS been received around 11.43 p.m on 5th and 3 sms received on 6th morning around 5.05 a.m
3. The moment I saw the SMS, I immediately checked my ATM card and it was very well in my Possession (in my wallet).
4. Immediately I called customer care and informed them that these transactions are not been done my myself and are fraudulent one. I requested them to Block my debit card.
5. Customer care blocked my ATM card and given the me the request no:[protected]
6. Customer care also informed me that the ATM transactions are done in Canara Bank ATM at two locations. One in Saligrmam (ATM ID:[protected] and the another one in CIT Colony (ATM ID:[protected].
7.Customer care asked me to file FIR with local police station stating the Fraudulent transaction.
8. I went to Thoraipakkam police station, but the inspector told me that he wont take the case as the debit card is with me.
9. I went to ICICI Nungambakkam as my account is from that branch. I have explained the happenings and lodged a written complaint with Branch operation manager Ms. Thanuja
10. She has given me an email acknowledgement of the complaint along with the service number SR[protected]
11. Since then i have called her everyday and she was repeatedly asking for more time. (time frame not yet been told).
12. On 10th sep i went to Commisioner office and lodged a complaint with the cyber crime branch.
13. They have registered the complaint (complaint no: 6359) and forwarded the case to Nungambakkam police station.

15. Meanwhile when i noticed my account statement the transaction timings are 11.23, 11.24 and 11.25 p.m and 11.48, 11.49 and 11.50 p.m on 5th sep.
My debit card has a maximum limit of Rs.25000 in a day, however the withdrawal happened for Rs.50,000. But the Banks says that the timing is not correct and states that the next three transaction happened on 6th sep.

16. On 10th Sep I met Nungambakkam branch manager Mr.Saravana Kumar and questioned him about the transaction of Rs.50,000 on single day. But he told me that bank is having different docuement to prove that the transacation for Rs.25,000 happened on next day. I was so surprised to hear this from ICICI. How come they show a different transaction time to customer and some other time in their docuemnt. The docuemnt which I was referring is ICICI bank statement which is again their docuemnt.
He was repeatedly telling me that he can prove this... but i don't know to whom...

Now I doudt the genueity of the bank and unsafeness of having fund in ICICI Bank .

I like to have the issue to be closed as soon as possible and have my money back . But ICICI is not telling me the definite time frame

To,

The Debit Recon Team,
ICICI Bank ltd.
A Wing, 6th Floor, Autumn Estate,
Chandivali Farm Rd. Opp. NH, Mahada,
Chandivali, Andheri (East)
Mumbai - 400072


Sub: - Complained of fraud transaction of my ATM CARD.

Dear Sir,

This is to inform you that, I Vikas Saini have misplaced my ICICI Bank ATM card on 31st Aug 2011 at Indore. I have already inform to the CC and blocked my ATM Card (CC request No. :[protected]. I have done the last transaction on 31st Aug. of rs 100/- . But CC informed me that my card had swiped at Aditya Birla Retail (MORE MEGA STORE) of Rs.13499/- on 31st August, 2011.

This transaction is not done by me. I had launched a complaint also for this at the local police station.

My accounts details are mentioned below :-

Name :- Vikas Saini
ICICI Bank Account Number :[protected]
Last transaction done by me :- rs. 100/- ( On 31 aug. 2011)
Fraud transaction :- Rs. 13499/- ( on 31 aug. 2011)
Customer care request No. :[protected]

Request you to kindly look into this. Looking forward for a quick response.

Regards,


Vikas Saini
[protected]
[protected]@rediffmail.com

dear sir,

In 2002 ICICI bank issued me credit card saying its free of charge. subsequently in same year they converted silver card into gold card. in 2003, they charged annual fee.
for which i protested and surrendered the card. I have not used card since then. I had cleared all the amounts before closing the card, except annual fees which was charged illegally. I wrote several letters as well as several telephone calls. However there has been no response from them.

recently i am getting calls stating that they are from icici bank and demanding Rs 5000/- from me. what should i do.

Dear Sir ,

This complaint against executive of ICICI Securities ltd. Two executive miss Sumit & Mr. Vikas Agrawal of Raipur ( Mobile No.:- [protected] , [protected] ) has contact me for opening of DEMAT account . Miss Sumit has confirmed me that for these procedure along with the documents submitted only 100/- will be charged for opening of Account & that too also can be refundable by her if i say so . On repeated request of her i have singed the form understanding that only 100/- will be charged .

But more then 2000/- has been deducted from my saving bank account no.;[protected] , Pratik Agrawal . When i try to contact him she said that the amount Rs. 800/- & Rs.343/- deducted on 11/ 07 / 2011 will be automatically deposited back to my account within 10-15 days . for another amount of Rs. 900/- deducted on 12.07.2011 , she confirmed me that it will be cash deposited by me or Vikas Sir by 30.08.2011.

Please treat this case on priority as false commitment by executive of such reputed banks .Please help me in getting my money to be refunded.

Regards ,

Pratik Agrawal
Raipur
ICICI DEMAT A/C NO.:- [protected]
ICICI SAVING BANK A/C NO.;[protected]
MOB:- [protected]

Dear Sir/Madam,

On 6th of Sep’11, I had visited ICICI Sheikh Sarai ATM for withdrawal of cash amounting to Rs.15000/- at about 13.05 PM.

The transaction was succesful but the machine had dispensed Rs.14100/- in place of Rs.15000/-. The denomination of the notes dispensed are as under:-

Rs.100 X 11
Rs.1000 X 13

The matter was immedaitely brought to the notice of security guard viz. Mr.Kailash Dayal on duty and was also ntoified to branch.

Kindly investigate an provide me refund of Rs.900/- in my account.

Regards,

Ritesh Asthana
Commercial Beverages
Coca-Cola India Inc.
Gurgaon
Ph:- 91+[protected]
E.mail:- [protected]@coca-cola.com