ICICI Bank Complaints & Reviews

complaint is for not receiving of hard copy statement and last month i paid off on pelephonic request by bank executive. he prmised to send hard copy. how to pay this time till i dont get details of last two months statement ?

I have an ICICIDirect account and I normally transact in mutual funds. About 3 months back, the account notified me that I have to submit the KYC documents which I did that time, the account was still non-functional, after chasing numerous time, I am yet to be told what is the issue with the account and the bank is continuously extending its time time after time without giving any explanation - it has become a farce as to how these guys run their business and treat customer complaints such as - I still cannot transact. Below is an account of conversation that started on the 25th sept and I am still clueless.

=============== 9th sept, 2011 ======================

Subject: Re: 'ICICICARE=[protected]' Issue with my ICICIDIRECT account
From: "ICICI Bank Customer Care" <customer.[protected]@icicibank.com> Wed, 09 Nov 2011 19:22:34
To: You
Show full Headers | View blocked images in this message
Dear Mr. Dasgupta,

We appreciate your patience.

Due to some unforeseen circumstances, we were unable to process your matter as promised. We realize that, we have caused you a great deal of inconvenience, for which we are extremely apologetic.

We will surely have a revert to you on or before November 18, 2011.

Looking forward for your co-operation in the interim.

Sincerely,

Shabnam Sayed
Customer Service Manager
ICICI Securities Limited



-----Original Message-----
From: Manas Dasgupta ([protected]@rediffmail.com)
Date: Saturday, October 29, 2011 07:43 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: Issue with my ICICIDIRECT account

I am asking again and again and still not have the answer as to what is the real issue with the account?




From: "ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
Sent: Fri, 28 Oct 2011 15:34:43
To: "Manas Dasgupta" <[protected]@rediffmail.com>
Subject: Re: 'ICICICARE=[protected]' Issue with my ICICIDIRECT account
Dear Mr. Dasgupta,

We understand your concern.

We assure you that your concern is a top priority for us. We will surely revert you with the status on or before November 9, 2011.

Looking forward for your co-operation in the interim.

Sincerely,

Shabnam Sayed
Customer Service Manager
ICICI Securities Limited




-----Original Message-----
From: Manas Dasgupta ([protected]@rediffmail.com)
Date: Friday, October 28, 2011 02:06 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Cc: Manas Dasgupta ([protected]@REDIFFMAIL.COM); coo ([protected]@icicibank.com); Helpdesk ([protected]@icicidirect.com); ICICI Bank (customer.[protected]@icicibank.com)
Subject: Re: Issue with my ICICIDIRECT account

Not acceptable, its been many weeks and I still don't know what the actual issue is. Please resolve asap. What is going to take you till 9th which you were not able to do in the past 4-5 weeks we have been exchanging mails and telephone calls?




From: "ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
Sent: Wed, 26 Oct 2011 12:50:04
To: "Manas Dasgupta" <[protected]@REDIFFMAIL.COM>
Subject: Re: 'ICICICARE=[protected]' Issue with my ICICIDIRECT account
Dear Mr. Dasgupta,

We appreciate your patience.

With reference to your query, we would require some more time to respond. We assure that we are looking into the matter on priority and shall get back to you on or before November 9, 2011.

Looking forward for your co-operation in the interim.

Sincerely,

Shabnam Sayed
Customer Service Manager
ICICI Securities Limited




-----Original Message-----
From: Manas Dasgupta ([protected]@rediffmail.com)
Date: Friday, October 14, 2011 04:52 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Cc: manas_dg1 ([protected]@rediff.com); coo ([protected]@icicibank.com); Helpdesk ([protected]@icicidirect.com)
Subject: Re: Issue with my ICICIDIRECT account

Shabnam,

Noone till date has told me as to what is the actual issue here and what you are trying to fix. there are various versions at various times. the last conversation I was told that you guys are sending me a form to fill, that was 5/6 days back and nothing reached me yet. So, I am still in dark. How much time is some more time for you. Can you give me an exact target date?

Thanks

Manas

From: "ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
Sent: Fri, 14 Oct 2011 05:35:15
To: "Manas Dasgupta" <[protected]@rediffmail.com>
Subject: Re: 'ICICICARE=[protected]' Issue with my ICICIDIRECT account
Dear Mr. Dasgupta,

We appreciate your patience.

With reference to your query, we would require some more time to respond. We assure that, we are looking into the matter on priority and shall get back to you on or before October 20, 2011.

Looking forward for your co-operation in the interim.

Sincerely,

Shabnam Sayed
Customer Service Manager
ICICI Securities Limited





-----Original Message-----
From: Manas Dasgupta ([protected]@rediffmail.com)
Date: Wednesday, October 05, 2011 12:16 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Cc: coo ([protected]@icicibank.com); manas_dg1 ([protected]@rediff.com); Helpdesk ([protected]@icicidirect.com)
Subject: Re: Issue with my ICICIDIRECT account

Suman,

I am not sure what you are talking about. I have not placed any request for PIN mailer. Your customer service is all over the place. Someone from your team is messing with my account.

Someone else from your team in the mean time called me to say that I have to submit documents because they have been destroyed in the Mumbai flood. How many years back was that ? - the flood was years back, I submitted these documents years back and performed many transactions since then. What way is it to fool people? I challanged back that guy and he said he'll check and get back. Never got back ever since.

Speed post does not take 12 working days. Please be realistic. I still haven't got it, its been 27th Sep till 4th Oct now.

can you explain what the real problem is/was and when it is going to be fixed?

Thanks

Manas Dasgupta

From: "ICICI Bank Customer Care" <customer.[protected]@ICICIBANK.COM>
Sent: Tue, 04 Oct 2011 13:57:02
To: "Manas Dasgupta" <[protected]@rediffmail.com>
Subject: Re: 'ICICICARE=[protected]' Issue with my ICICIDIRECT account
Dear Mr. Dasgupta,

We understand your concern.

As checked, you have placed a request for PIN mailer on September 26, 2011. The PIN mailer containing user ID and password for your ICICI trading account has been sent at your registered address on September 27, 2011 by Speed Post vide AWB no.EM[protected]IN. You will receive it in 12 working days.

We look forward for your co-operation and a healthy financial relationship in future.

Sincerely,

Suman Hegde
Customer Service Manager
ICICI Securities Limited



Subject: Re: Issue with my ICICIDIRECT account

Hello,

It is still not active. Now the message when I put in my user id and password is "Your password request is under process. In the interim, you can place :orders through Call N Trade. (Visit Customer Service page -> CALL N TRADE)".

Its been far too long now that account is not working. Please ensure you duly expedite this. I am copying some senior folks here.

Thanks

Manas Dasgupta




From: "Helpdesk" <[protected]@icicidirect.com>
Sent: Mon, 03 Oct 2011 08:48:17
To: "Manas Dasgupta" <[protected]@rediffmail.com>
Subject: Re: 'ICICICARE=[protected]' Issue with my ICICIDIRECT account
Dear Mr. Dasgupta,

Thank you for your patience.

With reference to Service Reference Number SR[protected], we wish to inform you that your ICICI Trading Account [protected] has been enabled for Mutual Fund trading.

We request you to check it from your end.

We assure you best services always.

Sincerely,

Siddesh Parkar
Customer Service Officer
ICICI Securities Ltd.


Attend cl-assroom sessions on Stock Investing, Futures & Options trading, Technical Analysis and more. You can also choose our Webetorial programme and learn from the convenience of your home. To view the calendar and to register, click here.

Get your query resolved instantly. Visit : "Insta Help" on ICICIdirect.com -> Customer Service Page.



Now, invest systematically in shares and become a disciplined investor with Equity SIP from ICICIdirect.com. For details, please refer the FAQs on our website www.icicidirect.com.

Register your request for Demat Account Holding / Transaction statements / bills or query for the status of any form submitted at the branch by selecting the 'Create Service Request' option under the 'Demat' menu on Internet Banking.

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com .


-----Original Message-----
From: Manas Dasgupta ([protected]@rediffmail.com)
Date: Sunday, September 25, 2011 09:46 AM
To: [protected]@icicidirect.com ([protected]@icicidirect.com)
Cc: manas_dg1 ([protected]@rediff.com)
Subject: Issue with my ICICIDIRECT account

Hello,

I have an account with ICICIDIRECT, no. [protected]. At this moment, I can't perform a transaction as I am getting the following message from the site.

"Dear Customer, As per a recent SEBI directive (Cir / IMD / DF / 9 / 2010) dated August 12, 2010, we are required to submit your account opening documents along with transaction placed in the respective AMC before you place an order in the schemes offered by the AMC. We are in the process o[censored]pdating your account opening documents in the system. You will be able to place an order in this scheme after the uploading process is completed. Regret the inconvenience caused.Kindly contact the customer service numbers for further information."
Background:
1. I have submitted KYC documents about a one month back.
2. CVL verification is done and site is saying Verified. I checked this a number of days back.
3. 3/4 days back I tried carrying out transactions and got the same message. your Support center guy told me its due to some technical issue, try after some time.
4. I tried today and the same issue occurred - the Support center lady did not seem to have any idea as to what can be the issue and was trying to direct me to CVLsaying CVL has to complete their process but could not explain what is pending from CVL. Ticket no. is SR[protected], dated 25 sept. After I challenged back she advised me to write this mail to helpdesk.
5. I am also not happy that she could/did not escalate this call after I insisted that I talk to someone senior. The explanation was that no senior management staff is available. This is something I do not believe. Every shift will have a supervisor/leader. If that is not the case, your customer services are being left unmanaged and leading to issues as I am facing.

Please look into this and resolve asap. I wan't to invest now. The impact of each days delay to me means loss of money that ICICI is causing to me. With any further delay, I'll write to your senior management and consumer compaints boards.

Thanks

Manas Dasgupta
[protected]

==========================

Hello,
i am an account holder in ICICI bank Magarpatta Pune branch. My ATM Debit card was stucked in Non ICICI ATM (Corporation Bank ATM) last week.Now i got my debit card through ICICI bank,but it was blocked. Kindly unblock my card. My account no is[protected].

Regards,
Harishankar UI

Dear Sir,
I haven't taken any two wheeler loan from ICICI bank.I haven't got any Two wheeler from the bank.But it is showing in CIBIL report.Please suggest me on the same.
ACCOUNT DETAILS DATES
MEMBERNAME ICICI BANK DATE OPENED/DISBURSED[protected]
ACCOUNT NUMBER LTMUM[protected] DATE CLOSED -
TWO-WHEELER LOAN

Thanks
Narendra Lendave

To,
The Branch Manager
ICICI Bank Ltd
MG Road Branch,
Bangalore

Sub- QAB Charges (A/C No - SB[protected]

I am surprised and shocked that Eight Hundred Twenty Seven Indian rupees ( Rs.827 ) is deducted on 19th Oct 2011 from my account as QAB charges for Sept 2011 quarter even though, i have maintained the sufficient balance.

It is difficult to believe that one on the largest privet bank can adopt this type of irregularities in banking .

I am quite hopeful that you will take a prompt action and will do needful to return back Rs.827 as deducted QAB charges

Yours Faithfully
Roopeshwari U

Dear Sir,

I've taken a loan in 2009 of 2.25 lakhs and started giving EMI's just after the next month of taking loan. I was not in the country and my father has given 2 EMI'S of 8k but they are not at all accepting. This bank is sending their agencies contractors and they are claiming that i've taken loan of 3.25 lakh rather than 2.25.......

They keep harrasing my family by going at my home as i don't stay there anymore they call me and give me threats.

As per the personal loan rule.... i am the only responsible person who will take care of loan.... Any other family member of mine has not any relation to this loan........They even say that they have sign of my father on paper thus he is also responsible but i bet that they just have my sign on paper my father had no idea about the loan.....

My parents are heart patients and just coz of their harassment their health is going down.... if some tragedy happens at my place ICICI will be responsible for that...........and just go to hell they are not going to get a single penny from me

i am mentioning some names and their ph num below.

[protected] nisha sharma rohini sec 8

Ajmal [protected]

harendra sharma [protected]

ashok kumar [protected]

My wife have a Current Account No.[protected],A/C Shree Ganesh Filling Station,Jalali,in the ICICI Bank, Gandhi park Branch, Aligarh,U.P., At the time of opening account, there was a tie-up with the Hindusthan Petrolium and the ICICI Bank, and there was no charges.Since Jan 2010 to Aug.10 the bank deducted Rs.97,036.00 in the name of transation charged,with out any notice to opt the the categary of the bank account.Kindly refund our money from the bank, which was charged with out any notice,such type of a small concern,it is a big amount.
With regards.
H.L.Varshney,Aligarh

not receiving statementa since last two months
icici bank credit card no [protected]
my email i.d [protected]@yahoo.com

To, Date : 27.10.011
The Manager,
ICICI Bank Ltd.,
Sipz, MIDC,
Andheri-East,
Mumbai-400093.

Sub. : Request for No Dues Letter for ICICI credit card A/c. No. [protected].
Dear sir,
Please issue me No Dues Letter for my above Credit card, as I don’t have any dues/ outstanding on this card. Please note that there are harassment calls from your bank and making abusive language to me (Hindi words-“Tumhari aaukat nahi paise dene ki” ; “Tumhare jaise third class aadmise paise kaise nikalane hai vo ham janate hai; Tumhe Court ke chakkar lagawaungi” etc.). That time I told her that I have already given you settlement amount on 13.12.2006 of Rs. 500/-, but she ignored. I request her to give your email ID or Bank address; so that I can send you scan copy of my letter to ICICI bank & Payment Receipt of settlement amount, But she refuse to give the same. After that she told me that you have to come for hearing at Andheri Court No. 22 or otherwise give us Rs. 10000/- to settle your account . But she doesn’t give me case no. or hearing timing. So I went there with my Advocate, but no such case was file there. I have to take full day leave from my office for this matter. So I request you to settle my issue & send me No Dues Letter at the earliest.
Please find below the History of my card.
Cheque returned from ICICI Bank for date wrongly written-
Bank : HDFC Bank Ltd.
HDFC Cheque No.-232127 Dt. 06.11.2005.
Cheque Amount : Rs. 440/- Only

I make the payment immediately after receipt of returned cheque. After that they charged me Interest on that returned cheque amount of Rs. 440/-.
On December 2006 they called me as the interest amount is goes up to 8000/- so I ask to come for settlement. Then on 13.12.2006 your person Mr. P. T. Rajnikanth is came to my office and ask to pay Rs. 8000.00. After discussion he suggest me to pay Rs. 500/- (Rs. Five Hundred)by cheque on ICICI bank name and ask me to give Rs. 5000/- (Rs.-Five Thousand) in hard cash for issuing settlement letter. He has given me 100% guarantee for issuing settlement letter. I gave him cheque of Rs. 500/- & cash of Rs. 5000/- to him and gave him official letter to close my account (Copy of same is attached) After that I called him 10 times, he told me it takes time and you will gate No Dues Letter from courier. After that calls are stop from you for asking money, so I thought that my account is settled, But never received No Dues Letter & your person is also not reachable. I stopped using card from 2006.
My Payment Details-
Bank : Janakalyan Bank-Mulund-East
Cheque No.: 472144 Dt. 13.12.2006
Cheque Amount-Rs. 500/-

ICICI Bank Payment Receipt Details :
Receipt No.: CC 1006 – 1672702 Dt. 13.12.2006
Collector Name : P. T. Rajnikanth

Now again I received harassment calls for demanding money as written above. So I request you to send me No Dues Letter on my new address.

Awaiting your favorable response.

Thanks,
Sushil Sawant
Navghar Purvarang Co. Op. Hsg. Ltd.
Bldg. no. 54, Room No. 42,
Tata colony, Mulund-East,
Mumbai-400 081.

Hello Team,

I would like to express another worst experience i had with one of your third party collection agent ... His name is Umesh, mobile # [protected] ... This person visited my place on 22nd October 2011 early morning.. He said it’s regarding one of the personal loans (LPBNG[protected]) wherein I’ve paid 26 EMI out of 48 and he would like to know when i will pay the remaining amount... I told him that I’ve got some personal financial issue coz of which i stopped making payment... I also told him that I’ve taken 3 loans in total and did provided detail for the remaining two loans... He said he will check status of the other two loans and will update me on the same. He then started talking about the loan for which he has visited my place as when i will go for either closer or will i pay at least one EMI for this time... for that i told him that he has visited at the last week of the month and i don't have money to pay even a single EMI ... He then assured me that if i go for closure he can give me the least discount amount to pay off and close the loan... i told him at this moment i can't afford to go for closure, he then said in that case at least can i pay one EMI.. i told him i don't have money as of now... he argued for a long time and finally i agreed to pay one EMI to this person and i told him to visit my place next month to collect the EMI amount... and now this person said he can't wait till next month and he want EMI on 29th of October 2011.. I told him if my salary gets credited on 29th itself i will call him asking him to come and take the money...
I called this person on 29th early morning to tell him that I haven’t got the salary yet and asked him if he can come on Tuesday that is 1st of November 2011 to take the money and this person started screaming on call and started abusing me on call ... I told him if he continuous talking this way I will disconnect the call… he said you can disconnect any number of times, I will keep calling you… I asked him to calm down as I am not denying to pay money just that I haven’t got salary yet and that’s the reason I am asking him to come and take money on 1st… By then this person was at the peak of his voice and he started threatening me stating he knows how to collect the money from me…I told him if you continue speaking this way I won’t pay any money to you and disconnected the call…While disconnecting the call this person gave a wired smile on phone and said disconnect the call I know how to collect money from you.

I‘ve got a humble request to you guys… Please ask these third party agents to stop calling me coz they are very unprofessional and use such a bad language on call that anyone would feel offended and it’s really difficult to come out of it… I would like to assure you guys once again that I will close my three loans as soon as possible and i will intimate you guys on the same … And when I do that I wanted to deal with you guys directly (ICICI BANK) instead of dealing with your third party collection agency..

Again requesting you guys to ask your third party collection agents to refrain calling me coz they are very rude, unprofessional & abusive on call.

You can email me @ [protected]@yahoo.co.in

From,
Saravana

Dear madam/sir
I Naresh Kumar emp code C21535 Didn,t recieve my full and final of working under this emp. code and under EMP.code C33956 didn,t recieved the salary of about three months from Dec11,08 to Mar,09.I am Sendig You mails but you are not replying and when i am calling you on the landline phone provided by you and you are not picking the phone and even my SM aashish gupta also call you then you also didn,t pick the phone.what is this sir/madam .It is difficult to me to come to your delhi office and settle the dispute Your Chandigarh Office also has been closed.And If you have been given my salary to anyone then provide the details to me that to whom you have given my cheques as these are not recived by me of Emp. code C33956.So Dear madam please revert soon as soon as possible.i shall be thankful to you for kindness.
With Regard,s
Naresh KUmar
[protected]

icici bank has its tie up and the bank awards loyalty points via www.payback.in to its customers when purchases are done either by credit or debit card.
i am holding an icici bank account and an icici bank credit card.
now the problem which i am facing is that the points are not getting credited to my payback account (payback card no [protected]) since last 2 months . every time i have to run after the customer care of payback.com... the compalint nos are [protected],[protected] , and [protected]
on the other hand icici bank says that they are not responsible if the points are not getting credited.

as a customer it is causing a great inconvinience to me and at the same time its a cheating and fraud case againt icici bank and the website payback.in

The Manager,
ICICI Bank Limited,
Shreejee Tower,
Jaipur.

Sub:-Incorrect levy of Rs. 6303/- as pre payment penalty charges @ 2.21% at O/S principal of House Building Loan.

Ref:-Loan Account No. LBJAI[protected].

<<>>
Sir,

On 10.9.2011, I had deposited the outstanding amount against above referred loan of HB. With the outstanding amount Rs. 6303/- were added and levied from me towards pre payment penalty charges @ 2.21 at O/S principal. I had requested that time that as per the news published in leading news paper dated 7.9.11, wherein it was stated that the banks were instructed not to levy the pre-payment penalty from the floating rate loan, the pre-payment penalty should not be levied from me but the official did not agree to my request and under protest I had to deposit Rs. 6303/- against the pre-payment penalty. My above loan was on floating rate interest.

You are requested to kindly refund Rs. 6303/- which were incorrectly levied from me as levy of pre-payment penalty on floating rate HB is not only a clear cut violation but also disregard to the the instructions given by the RBI to the banks in meeting.

Dated: 3.11.11.

Yours faithfully,




(Rajeev Kumar Chandel)
F9/356, Bharat Marg,
Chitrakoot Scheme,
Vaishali Nagar,
Jaipur - 302 021.

i have a ICICI credit Card. Since June 2011 i have been getting horrible service from the customer service reps and the collections team. I have written to Mr Krishnan i did get a call from Sanjay or Sanjeev i dont recollect the name, he did have a word with me i explained him the entire situations, he said he will email me with resolution and call me back, however i have not received any calls or email with any resolution. My issues is that I have a balance on my credit card which I am unable to pay due to some emergency issues. I called the customer service they said no we cannot help you as we don’t offer any payment plan. I did not make any payment for July 2011, again I got a call from ICICI they said make payment in August for 2 months and we will convert the remaining balance in EMI. As per I was instructed I made the payment in August for 12000 Rs towards the credit card. Next month if September they again called me to say that make you one month pending payment and then we will convert it to EMI. This time I refused to make any payment as whatever was promised to me never happened. I wrote to ICIC bank Mr. Krishnan Govindan, Head Customer Service - Phone Banking his rep called me and said we will give u the resolution and told me he will send me an email and I have to revert back to him with the details. I never got an email/call from him post that conversation. Now this girl Sunita has been calling me like 60-70 times in an hour to collect money from me. I am ready to talk however they way she was taking to me did not sound that she wanted to help me, she just wanted to know why I can’t make the payment and started telling me then why did u take the card and stuff, again as I said I am ready to clear the card if I get a payment plan set up rather than just change my number. I am still co operating with the Bank however there seems to be no cooperation from their side.

Its very easy to change and my number and disappear is that correct. I don’t want to do that. All I am asking is some help and support from the Bank.


Rajneesh Shah
Mobile No- [protected]
Email- [protected]@aol.com
ICIC Credit Card- Last 4 digits- ****2000

I have taken home loan from ICICI bank and now I can say that this has been one of my biggest mistake . I simply don’t have words to describe their services.. they are pathetic. I m surprise that in such competitive world they r surviving with such mindset of their employee.
From the first day when I submitted my papers and processing fee my problems began, they are not ready to listen ur requirement, all the time they are forcing their ideas, after numerous calls and follow-up I received my section letter, mind it that is the third sanction letter with required corrections. Whereas from the first meeting I was very clear on my requirement and conveyed the same.
Once loan sanctioned then I start getting calls for insurance from iCICI , they make me sick with number of calls even after I told them I don’t require any insurance.
After all that now I am facing problem in loan disbursement, its more than 10 days I had forwarded my demand letter and doing all sought following up with bank. Don’t understand how many more days they required to make one cheque.
Now for all of you who are thinking for Home loan, my suggestion is go to any bank but don’t ever think of ICICI.
Regards
Abhijit Choudhury
[protected]
Home loan -LBDEL[protected]

I am shocked, I got a sms from icici credit card, your card account is debited for Rs.5499 by dining plus.

But i has not made transaction with these company/ party.

Please stop payment, and re-credit my card account, or I have to close my card account.

I have purchased Tax saving bond-022001-TSB-Two of Rs 5000/- Three Bonds bearing No. 350080 to 350082 on 22.03.2001 and its redemption was 22.07.2004 but till date, I have not received any Cheque from ICICI Limited. I Have also told in nearest ICICI Limited in Bhubaneswar.

Name of Bond Holder - NIMAIN CHARAN SWAIN
Bond Holder No.[protected]
Certificate No-188171
No of Bond - THREE
Distinctive No(s[protected]

Address:-
Vaishno Bhawan- 09
Shanti Nagar, Canal Road
Jharpada
Bhubaneswar- 751006

My brother deposited a sum of Rs 49900 to my ICICI A/c No.[protected] And charges summing upto Rs 276 were deducted from my bank account and an amount of Rs 49624 was credited to my account . Please see to the matter and get the amount refunded to my account.

I was a credit card holder with ICICI Bank about 8 years ago. There was fraudulent usage on my card and I called to cancel the card and contest the fraudulent usage. I was asked to pay all dues and then contest the fraudulent usage. This I refused to do, saying that I will only pay for what I had legimitimately spent. I emailed ICICI this but I got no response from them for over 4 years.

Then, one fine day, 2 years ago, they called my home number and claimed I owed them several thousands. They claimed they had tried to contact me at my Delhi number, which is strange because I live in Bangalore. When my husband went to the ICICI Credit Card division in the boondocks of Bangalore and retrieved the records from them, we found that several months of my card usage records were wiped out and some strange address in the place of my actual address. Naturally they were not able to produce any records of my ever changing my address to a fictional one!

We, however, paid ICICI for the legimitate charges plus interest and got a letter from them saying that the account had been settled.

The fun began again 2 months ago. They reached me via email and I wrote saying that all accounts had been closed and that I had a letter to that effect. They apparently don't keep records, so now they claim I owe them several thousands all over again. I told them I had the letter and would scan and send it at my convenience. This time ICICI's goons have started harrassing my family members. They are calling on their home numbers and rudely threatening all sorts of dire circumstances. Not only do they not have records, their right hand doesn't know what their left hand is doing.

I have 2 questions-
1° Where are they getting this information (family members' phone numbers)? This can't be legal, right?
2° Has anyone faced similar problems with ICICI?

I am planning legal action and would like to know if anyone has had similar experiences with them or with any other bank.

I have noticed in lot of cases of theft of Credit/Debit Cards, that these cards are not Pin Based cards.

As I have confirmed from the Card payment networks ie VISA/Mastercard/Maestro,

There are two types of cards 1. Pin Based Cards 2. Non Pin Based Cards (Direct Pay)

1.In Pin Based cards while any card gets swiped at any of the POS(Point of sale/Merchant establishment) the device asks to enter a PIN for payment to merchant, here customer enters valid pin and the further payment gets done. As security point of view of the cards this is the perfect method.
2. In non PIN based cards customer dont have to enter a pin at any POS, as card gets swiped the device immediately gets approval for the payment and immediately payment is made to merchant. In this case if the card which is swiped is stolen or lost and if customer has not informed to bank regarding blocking of the card, he will loose his money(which is same as money gets stolen by a thief). As security point of view these types of cards are just problem to customers. The money linked to these cards is never be safe.

In india ICICI issues only non pin based cards ie.VISA/MasterCard - The bank which has the huge volume of customers and also heavy volume of Funds also, is not at all concerned with these type of security issue of the cards. Really surprising.

Maestro has the facility of PIN based card, but I have seen only SBI cards have links with Maestro.

I want to urge all big Banks that please issue such Cards which have PIN authentication facility at POS which will enable high end secured solution for card security.