ICICI Bank Complaints & Reviews

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

Dear Sir,

I had invested Rs 20, 000/- in "ICICI Safety Bonds( Unsecured Redeemable Bond in the nature of debenture), Tax Saving Bond – 122000-TSB-TWO Iin the year 2001. There are total four bonds. Because of my transfer, my postal address have changed and I lost track . I would be grateful if you kindly let me know its present status, value and guide me to redeem it

Bond details are given here under
Deemed Date of Allotment 19/01/2001
Redemption Date 19/05/2004
Bondholder No.[protected]
Certificate No. 100021, 100022, 100023 & 100024
Bond holder’s name: NIRMAL KUMAR DAS
Distinctive Nos.[protected],[protected],[protected] &[protected]
Scrip Code: BSE 160608 and NSE ICICI0101 N2

With regards,

N K Das
New Delhi.
Email: [protected]@iocl.co.in
[protected]@gmail.com

I have an account in ICICI bank in MG Road branch. I did not used the net banking facility for the past 4 years... Now when I tried to login I couldn't do it. I receive a message as login is disabled so please do the needsome to login to my account no is[protected] MG Road branch. Please do it as soon as possible because it is urgent for me.

As I forgot my login & transaction psw, I called up ICICI customer care several times, but to my notice, I found the customer care I have seen in my entire life. Henceforth, I don't want to call up them. I request some mature person to give a call on this no. [protected] and resolve the issue at the earliest

Dated: 20th January 2011
To,
The Manager,
ICICI Lomard G.I.C.,
BaraKhamba Road,
New Delhi

Sub-Un Known Policy issued through (Credit - Card) December 2008.

Dear Sir

1. I have been informed on phone after a long time that an amount is pending towards you.
2. In this matter o[censored]nknown policy automatically issued on Credit - Card without our knowledge. No Papers, No Policy No. and no Correspondence have been issued till date against Policy. In this regard we have discussed through with customer care, letters and on telephones since January 2009 for cancellation o[censored]nknown policy and reverse this amount. This work (cancellation) has not been done till date.
3. In this matter your Hyderabad office given the name of Miss Kavita Mobile No—[protected] to discuss the matter she gave the name of Sanchita Mobile No- [protected] who will solve your problem. She discussed the matter that understood the mater and discussed the matter with department Manager. After discussed she informed on phone that your matter i.e. policy and the amount has been cancelled and reverse the amount by the department officials, made nil.
4. After la long time, again we have received phone intimating for pending amount, I discussed that case has been closed by your department through Miss Sanchita.
5. Now I again discussed with Sanchita who advised that I have already got your matter closed through dept. Manager. Now you contact the dept. why the matter is not closed when it was already closed. The reasons are not clear why the individual is being troubled. I have left the job & it is better to discuss with office.

I request you to close my account and policy which was unknown for me and issue a no-objection certificate about NIL A/C and policy.

Thanking You,
Yours Sincerely,



(Mohit Gupta)
House No: 37,
Pocket: A-2,
Sector: 8,
Rohini, New Delhi-110085
Credit Card No: [protected]

Sir,

I got a message from ICICI on 3rd Sept 10:40AM saying that a transaction of INR 9,128.00 on 03-SEP-11 on my card is made at ICVBP IPRUODAY.

I haven't been involved in any such transaction and not sure about the message.Please rectify the error on your side.
Credit Card no. : [protected]
Card Holder : Siddharth Kumar
Contact No.-[protected]
Thanks,
Siddharth

I am Anjaneya Prasad, I have been using the ICICI card from 2006.
I have other bank cards but there is lot of difference between the charges that they charge on accounts.
I have used the transactions only when there is a credit limit exists on my account, but after generating the statements the credit limit gets reduced and charging the over limit charges. Because interest getting debited from account immediately after statement generation so that limit gets reduced. This is not my transaction and there will be a due date to make total/min amount. I feel this is injustice, when I have given a request to ICICI they are saying that it cannot be waive off as I am aware of those charges. I feel rules should be same to all the banks. RBI should concentrate on this charges.
My card num: [protected]
Charges for July and August 2011
13/07/2011 Overlimit Fee Rs. 500.00(DR)
14/08/2011 Overlimit Fee Rs. 500.00(DR)
Thanks.

This is to bring to your kind notice that my husband Mr. P.P. Mishra([protected]) had taken a loan of Rs 70,000/-.the ICICI bank in the year 2006. The installments were regularly forwarded but on one occassion it was found that the bank had levied some undue charges which was not justified in any way..This was duly communicaated to the bank. The issue was not setteled & we stopped forwarding the paymnets. Around 6 months back we registered for settelement with the bank & the process is yet to be closed. since the last two weeks we have been getting threatening calls from different people from the ICICI bank (private agents).from the no's[protected] &[protected] which is probably based in Rohini. An agent introducing as Neha (doubtful if name is real) calls up frequently using extremely filthy & unprofessional language abuses & threatens with dire consequences on our mobile no's.She has even traced our address, office phone no's calling up & abusing constsntly. She has of late called up my senior & is unnecessarily trying to defame me. It has already been explained to them that we are already in process for settlement but still she continues to misbehave.Another one named herself as Priya & Navin had also called up for the same process. It is amazing that reputed banks are hiring such people & using such means for recovery. We stand helpless only trying to convince them & even complained to the ICICI bank but there has been no action till date. Please help.

I WANT MY BIKE NO MP13 JE 3512 LOAN NOC

have been an ICICI bank customer over five years. Recently they have changed their net banking application where in if there is any change in the way you login (say from another country) they ask for a one time password (OTP) which is supposed to be SMSed to your registered mobile. I tried to login so many times but the SMS never comes. I tried sending SMS to the number given on the screen but it says the validity expired. I called their customer support to get help. They tried giving me the OTP on the phone still it does not allow me to login. The officer said to try after 15 minutes saying may be their system has response problem. I tried many times at different periods of the day, still the same result. I tried customer support again today still I could not login. She said the application is down and they will call me after it starts.

I sent so many complaints by email with copy to Mr. Kamath, they did not even acknowledge my email.

The other banks' software generally asks for additional security question s and if your answer matches, the login is allowed.

Why ICICI chose this complex method, God only knows. When I travel abroad, when my Indian mobile is off, I have no way of logging in.