ICICI Bank Complaints & Reviews

respected Sir
It is to inform you that you have stated that auto debit facility is active on your account i.e.[protected] but on today Rs.321.47 not withdrawan by you. so i am not responsible for that and not liabale for interest charges.
I have drpoed the cheque of same amount but it will be withdrawn on 22-06-11
so you are requested to accept the cheque and do not charge interest.
thankingyou.
Qamber Hasan
credit card no [protected] Icici credit card
icici s/b account no[protected]
mobile no [protected]

Dear Sir,

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

My name is Nishant Narendra 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 after[protected].
After about 1 year I got a call from the ICICI Credit Card legal team 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. However due to some medical emergency I was unable to furnish that settlement that month.
Now few days ago some ICICI recovery agent named Sandeep has started calling at my office no. from no.[protected]. This 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 he had called my office HR Department and started threatening them that if he(me) didn't pay the amount they will keep calling them 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.
Now he has been calling everyday and threatening my office staff of dire consequences.
I am not sure what do to at this stage as I fear the way Sandeep has been calling and threatening me and calling 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 advise if I should file an FIR against ICICI bank and Mr. Sandeep. I am not sure at this point how to get rid of this guy who has been harassing me and has been 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 MAY 2011- JUNE 2011.
We hope that you take note of this experience and help us.

Appreciate all help & support.

Thanks!
Nishant Narendra
+91-[protected]

Dear Sandhya/Anshoo,

As you and your senior team members are mentioning many time that I had default on many occasions as my deduction is through EMI for which I have to keep the minimum balance. When I go through my loan statement I found that almost 2 years my all EMI are paid in time as earlier this account were my salary account so I don’t need to deposit the money by standing in queue at your bank.

As I have already informed that I didn’t received any sort of communication from your end nor via courier nor through, you can very well check from your record if you have. And as per your trailing mail if you want to know teach me the bank process then one thing I informed that we are professional and we not have so much time to read all your polices and guidelines which in your booklet so called” Granth”. At that time your sales executive or even your office staff tick the boxes where in the customer need to signature, now by this matter that all these guidelines are in the favour of ICICI only.

I just want to state that when my first EMI got bounced due to some personal/official reason than I understand that I will this EMI within next month and my EMI tenure would be increase, then I am not aware that still you are charging the bouncing and OD charges which gives you permit to called me defaulter.
FYI even your executive does not bother to give me my loan account number and when I mailed to customer care then I come to know to such charges and you are mentioning that you have checked your loan account and I have default in many question, can I ask you one thing when you come to that the person is a defaulter then why not you and your team contact me. I tell you the reason because I am your those kind of customer which you are looking for because they will EMI along with bounce and OD charges.

Lastly you have written that as a special case you can waive off me the only May’11 OD and bounce charges and please treat this is as your final communication. Mam I just want to say that you keep your special waiver which is more or equal to Rs 400. It is a just a thin percentage of interest which I had already paid to you so please don’t oblige me by considering it. I am giving you many option to settle the account but if you want to stretch it then its very much ok for me.

Anyways this is my last mail to you because I am very much fad up with your team members replies, everyone is pointing customer mistake but none of you don’t look yourself because If you looked then such type of issue will not arise.

Also If am a defaulter sort of customer then default very early not after paying 42-43 EMIs. Also If paid 6983 which I will not then again you charges OD and bounce charges because this month also your EMI date is over with your mail –mail talk.

Now after having so much fad up I am going to your ICICI branch and request to close the account so that EMI deduction part is over and now I want your team comes to full and final negotiation.

Regards

Amit Pandey
[protected]



From: Amit Pandey
Sent: Friday, June 17, 2011 4:15 PM
To: 'Sandhya Amin'
Subject: RE: RE:'ICICICARE=[protected]' FW: Deductin against Loan

Dear Mam,

I am ready to pay the outstanding amount of Rs.6213, but what are these outstanding charges of amount Rs. 770 which you incurred. It it is ok with you then I will pay Rs. 6213 by tomorrow itself. This outstanding is a very small amount. Which you can easily waive off. So please request you to consent the same so that I can my EMI by tomorrow.

Regards,

Amit Pandey


From: Sandhya Amin [mailto:senior.[protected]@ICICIBANK.COM]
Sent: Friday, June 17, 2011 9:17 AM
To: Amit Pandey
Subject: RE:'ICICICARE=[protected]' FW: Deductin against Loan




Dear Mr. Pandey,

As a special case, we can consider waiver of the bounce charges and overdue charges for the last EMI, i.e. for the month of May 2011. However we request you to clear the outstanding amount of Rs. 6983 ( June EMI of Rs. 6213 + outstanding of Rs. 770) to enable us initiate the reversal.

We regret that we will not be able consider any further reversals. Please treat this as our final communication in this regard.

Sincerely,

Sandhya Amin
Team Manager
Senior Management Desk


-----Original Message-----
From: Amit Pandey (Amit.[protected]@STEL.IN)
Date: Thursday, June 16, 2011 05:22 PM
To: Amit Pandey (Amit.[protected]@STEL.IN); Sandhya Amin (senior.[protected]@icicibank.com)
Subject: RE: RE: FW: ICICI Bank Ltd

Dear Sandhya,

Still waiting for your revert, request you to please how much Money I have to pay to settle my EMI After considering waiver


Regards,

Amit Pandey



From: Amit Pandey
Sent: Wednesday, June 15, 2011 5:03 PM
To: 'Sandhya Amin'
Subject: RE: RE:'ICICICARE=[protected]' FW: ICICI Bank Ltd

Dear Sandhya,

As I already intimate that I am not aware of the OD and bounce charges because of communication issue. If I am aware then such type of issue will not happened.

I again request you to waive off the amount so that I can pay my EMIs with in time, otherwise I’ll not be able to any EMIs dues. If you waived off such amount then I’ll assure that I’ll pay all the balance EMIS with in time.

I want to settle the issue not to stretch the issue so if you want to settle things mutually then waive off such charges then update me the balance amount of EMIs mentioning month so that I can pay asap, it’s not a very heavy amount which you can’t waive off.

Otherwise you add OD and bounce charges every month but I’ll not pay any EMIs and you are ready to take legal action if you want.

Regards

Amit Pandey

From: Sandhya Amin [mailto:senior.[protected]@icicibank.com]
Sent: Wednesday, June 15, 2011 3:54 PM
To: Amit Pandey
Subject: RE:'ICICICARE=[protected]' FW: ICICI Bank Ltd



Dear Mr. Pandey,

We have examined your Loan account and found that you have defaulted on the EMI payments on multiple occasions. Since you have opted for the repayment mode through Autodebit, you were required to maintain sufficient funds in your Savings Bank Account to ensure that the EMI payments are regularly debited from your account.

In view of the above, we regret our inability to waive the overdue and bounce charges.

Sincerely,

Sandhya Amin
Team Manager
Senior Management Desk






From: Amit Pandey
Sent: Friday, June 10, 2011 6:37 PM
To: 'Anshoo srivastava'
Subject: RE: RE:'ICICICARE=[protected]' FW: Deductin against Loan

Dear Mr. Anhsoo,

I have intimated your ICICI bank patna that I have changed my address and there is no branch at Patna who is dealing with you loan department. I had also intimated about my number change to local bank branch that my number has been changed from Mar’11 but before that I had not received any SMS from your end , you can very well check the failure report of SMS if you have and I am also assure that courier delivered by you is also returned.

Now I don’t want to conclude this issue any more, I am ready to pay EMI but I want waiver of all bounce and OD charges which you charged to me. If you are ready to waive off all the bounce and OD charges than update me the balance amount by clearly stating the month which I have to pay than I have no issue otherwise it’s become difficult for me to pay the balance EMIs

Regards

Amit Pandey
[protected]


From: Anshoo srivastava [mailto:senior.[protected]@ICICIBANK.COM]
Sent: Friday, June 10, 2011 6:14 PM
To: Amit Pandey
Subject: RE:'ICICICARE=[protected]' FW: Deductin against Loan

Dear Mr. Pandey,

We refer to your appended e-mail of June 3,2011 addressed to Mr. K V Kamath.

We would like to confirm you that as per the loan agreement signed by the borrower, he is supposed to maintain adequate balance in his account to ensure the clearance of EMI. In case the loan EMI (Equated Monthly Installment) for the any month is returned due to the reason 'Insufficient funds'. EMI bounce charges Rs. 200.00 + service tax (10.30%) as well as overdue charges @ 24% p.a. or 2% p.m.

In your case, we have observed that on several occasions the EMI had returned due to the reason 'Insufficient funds' and accordingly charges have accrued on your Loan accounts.

As per the banks process, in case of any outstanding reflecting in the customer Loan account, bank is authorized to debit the customer account for the outstanding amount. A debit intimation letter dated May 31,2011 was send to your communication address through normal post. Please find enclosed statement of account for your reference.

Apart for the regular EMI Banking date, Bank had represented the Auto Debit to recover the overdue outstanding amount on May 31,2011. Since Rs. 13000 was available in your Savings Bank Account, it was recovered and adjusted against the outstanding payment on your Loan account. We would also like to state that an SMS is sent to customers initimating about the outstanding payments. In your case it was sent to you in January 2010 , November 2010, January 2011, February 2011, March 2011 and May 2011 .

We hope the above details clarify the query to your satisfaction.

We thank you for writing to us.

Sincerely,

Anshoo Srivastava
Manager - Senior Management Desk


-----Original Message-----
From: Amit Pandey (Amit.[protected]@STEL.IN)
Date: Thursday, June 09, 2011 02:42 PM
To: Anshoo srivastava (senior.[protected]@icicibank.com)
Subject: RE: RE: FW: Deductin against Loan

Dear Mr. Anshoo,

Thanks for responding but I appreciate if you can manage to resolve before EMI date.

Regards

Amit Pandey
[protected]

From: Anshoo srivastava [mailto:senior.[protected]@icicibank.com]
Sent: Tuesday, June 07, 2011 12:14 PM
To: Amit Pandey
Subject: RE:'ICICICARE=[protected]' FW: Deductin against Loan

Dear Mr. Pandey,

We refer to your appended e-mail of June 3,2011 addressed to Mr. K V Kamath which has been forwarded to the undersigned for due analysis and redressal.

We sincerely apologize for the delay in our acknowledgement. We are looking into your query and we will update you with the status on or before June 13,2011.

Looking forward for your co-operation.

Sincerely,

Anshoo Srivastava
Manager- Senior Management Desk




________________________________________
From: Amit Pandey [mailto:Amit.[protected]@STEL.IN]
Sent: Friday, June 03, 2011 3:42 PM
To: customer.[protected]@icicibank.com; CCMAILREPLY /ITG/IBANK/BKC
Cc: Kamath K. V. /CORPORATE/IBANK/BKC
Subject: FW: Deductin against Loan
Still it shows your poor services that even after a day passed I didn’t receive the complaint number or any sort of acknowledgment from your end.

Regards

Amit Pandey

From: Amit Pandey
Sent: Thursday, June 02, 2011 7:06 PM
To: '[protected]@icicibank.com'; 'customer.[protected]@icicibank.com'
Subject: Deductin against Loan

Hi,

I am a loan holder of ICICI bank and my loan number is LAGOR[protected] in the name of Amit Pandey. In this regards I never get any update from your end regarding EMI deduction and other sort of charges which you incurred.

On 31st May’11 I have deposited Rs 15000 in my account and withdrawal Rs. 2000 on the same day and at that time my account balance was Rs. 13000. When today I checked my account then I found that there is zero balance in my account. On the same time I called to your customer care and they informed me that that due to some ECS were not debited into my account that’s why they have deducted Rs. 13000.

Now I want to ask that how much time I got information from your end regarding ECS bounced. Also I come to know that there are lot of OD and bounced charges which were also deducted by to this.

I have transferred this amount of Rs. 15000 for some urgent purpose and will deposit your EMI on between 05-06 of this month but due to deduction of Rs. 13000 before EMI date I had incurred a big loss.

This clearly shows that you are not trusting your subscriber who are paying you since last 42-43 months. Due to such type of response I would like to clear one thing that from now onwards I will not pay you a single amount of money if you have not again credited the amount deducted into my account and I want waiver of all bounced and OD charges which I was not aware off.

If you can’t do so then you are free to proceed to do anything.

Regards

Amit Pandey
[protected]

I HAD INVESTED IN ICICI HFC -FIXED DEPOISITS WHICH IS DUE FOR MATURIY ON 1ST JUNE 2011.
THE BANK HAD BEEN DODGING WITH ME FOR MATURIY CREDIT/PAYMENT.

FD NO: 333H0079413A309( Folio 333HF 0094433) Rs. 100000/- due on 1st June 2011.

Advance submission for maturity claim through theri chennai adyar office.

No intimation till date.

BHUVANESWARI RAJARAM

Sir,
I have my cibil report dtd.09.05.2011 in which i have noticed that my name is wrongly mentioned in cibil. as i have all NOCs from various banks/credit cards (HDFC Home loan, RBS Credit card, ICICI Bank credit card, HSBC personal loan, City Bank personal loan).
i hereby submit scanned copy of NOCs of above mentioned banks and credit cards for your ready ready reference.
i request you to write off my name from...

Hi,

I am not receiving my credit card statement from ICICI Bank ltd. However, I receive messages from Manikanta courier that they have delivered the statement. I gave complaint at Phone Banking about the same and asked for POD. Its shocking that in POD there is no relationship mentioned nor the signature doesnt match with mine nor my parents who live with me. ICICI Bank Ltd is not delivering credit card statements and moreover this is a fraud by ICICI Bank and the Manikanta courier.

Regards,
Disappaointed customer

Please block my debit card
Name -AMit Kumar
a/c[protected].
City where i lose my card. - Meerut

bondholder's no: 5373-143
certificate no: 24923
distinctive no;[protected]

Payment in respect of this bond , which was issued on 28.04.1999 and matured on 28.08.2004 is yet to be received by me.
Please advice the position and remit the proceeds on my following address:
594ka/379,
neelmatha bazar,
cantt road,
lucknow-226002
u.p
my EMAIL ID is : [protected]@gmail.com
CONTACT NO: [protected]

Sir HS39844632 ( POLICY NO WHICH IS ALLOTED ON PAYMENT )
Agent came at my house TILHAR.I give a cheque for Rs25000-To purchase HEALTH CARE POLICYON 22 FEBRUARY2011.Before one month we know that policy not issued.NO REASON MENTION.&CHEQUE Rs 25000- return on dated 9/5/2011 which collect by me personaly from shahjhanpur office after 39 days.Courier of ICICI is not responsible for any delay/any important paper.
ICICI hold my amount since four months.in between i contact many times in office to office head SHAHJHANPUR/BAREILLY.but no results Everybody say i am not responsible.
WE WANT TO KNOW IS THIS PRACTISE IS TRUE.NO ANY CONTACT DONE BY CHEQUE RECEIVING AGENT/DEVLOPMENT OFFICER IN MEAN TIME.MY MONEY HAD GONE SO I AM GOING OFFICE TO OFFICE.
SARVESH KUMAR AGARWAL 92-DATAGANJ TILHAR M-[protected]

I had applied for home loan property (Enkay Garden) in panvel New Mumbai
Thru infinity banking I received mail I am eligible for home loan.
I requested the builder to provide all legal documents, from the builder and I received 50 pages of legal documents from builder and it’s in my residence.
Without scrutinizing my legal documents icici bank representative ignoring my loan eligibility.
My NRE account with icici bank for 12 years and still I am not able to apply loan.
ICICI representatives.
Mr.Amit Barla
Mr.Shamit Shivalkar.(Vashi New Mumbai)
I am in Muscat how can I meet this representatives in India my family members are not much aware of the loan procedures, I require your opinion on property why my loan is delaying.
Srikumar

Dear sir,

Some time ago i written a complaints for not recovery my Provident Fund, but no Action taken on that point, there fore i required to written this complaints again for not proper action taken by ICICI Bank.

I required some money for my personel use, so i want to withdraw my PF amount.

Please help to withdraw my PF amount. My Contact No. is [protected]

Thanks & Regards
Ashish Moondra

Hi,

I have been waiting for the EPS settlement for the past 14 months now....

I worked for ICICI Bank from Feb 2005 to April 2010. During my relieving process I had submitted all the required documets. My last working day was in April 2010.


Name: Mohd Kaleem Uddin
Emp ID: 125615
Company: ICICI Bank Ltd
Acknowledgement date: 11/04/2011.

Application No: 125615 - Mohd Kaleem Uddin/MH/18796/4600


After a long wait, finally ICICI Bank has submitted my EPS form on April 11, 2011 at " Employees' Provident Fund Organisation Bhavishya Nidhi Bhavan,341, Bandra (East), Mumbai - 400 051". I have been asked to contact above mentioned office for further queries. Since last 2 months I have been writing to them with no response.

E-mail ID's :<[protected]@nic.in> ,<ro.[protected]@epfindia.gov.in>

I request authorities concerned to look into this do the needful at the earliest.

Thanks & Regards,
Kaleem
[protected]
[protected]@rediffmail.com

i had taken personal loan from icici bank limited. in 2006. i had been paying emi on day and due to some problems i failed pay one due for two months. due to which banks people came to house and created lot of problems in 2006. after that i stopped paying the emi due to problems which they have created. after which they have sent any reminders or any payment request to me for many years. later in 2009 icici bank people came to my house stating that they have logged a complaint in police station and i will get arrested if not paying the loan. even i waited for them to take action as there no problems from my end as i asked them to show the documents or statement of the loan. they came back after 3 day with a wrong statement which had no details about the loan or any place mentioned icici bank ltd. and later again there was no response from there end. and now 14th june 2011 they came to house saying that i had called them for settlement and told to collect the payment. for which i not told them and they are telling a lie and also they called me foreseeing to commit to do payment as they are recording the call and they are saying that if i dont pay i will have to face many problems. please help

I have purchase two wheeler hero honda passion in year of 2007. Bank name icici bank ltd. I have already paid of diffrance amount and I have collet noc latter of icici bank ltd so its kindlly requst pls remove my name in cibil report.

Dear sir,
I am credit card holder No.[protected] received massage for paying Rs. 2296 as a charge for CPP and ICICI lombard health Premium. Actually I am paying my regular premium Rs.804 as a health premium but without informing me the bank send me an SMS for paying Rs. 2296. I have to pay Rs.804 but bank has told me to pay minimum amount Rs.870 Pl, take an early action as I don't want to continue my CPP plan, and send me an SMS for paying valid amount for my Health plan only. I have tried to talk to customer care but in vain no contact could be made with them due to unwanted deployed system.

T/Y
Regards
Vijay Madankar
Navsari , Gujrat
Mo,[protected]

A set of documents including original sale deed was in the custody of ICICI bank limited regarding housing loan.While recovering the documents from ICICI bank the original sale deed no: 5002/2000-1,dated[protected] by the name of Mr.Balakumar has been found to be missing .The bank representative is not able to trace the document from the past three months .The original sale deed is mandatory for availing house loan from M/s Deutsche post bank home finance limited.So ICICI bank is to be held responsible for the loss of Original sale deed no:5002/2000-1 and necessary action to be taken against the ICICI bank.


Thanks & Regds
VENKAT R KUMBHA
ICICI HOUSE LOAN A/C LBBNG[protected]
SCIENTIST 'C'
ADA,BANGALORE
MOBILE:[protected]

Kindly let me know the status of my Service request No.SE[protected] with ICICI?...

Dear Team,

i am having a sip from march 2010 but didnt received the a/c statement on mail or physical opy of that fund from the bigning . kindly update my id [protected]@yahoo.com. i want monthly statement of my folio no 5008608/58 in dynamic plan. i had tryed so many times to get it activate on internet but not fruitful. kindly do the needfull.



regards
ankit bansal
[protected]

Subject: Non receipt of TDS certificate against a/c No[protected]

Dear sir,
This has reference to deduction of tax at source against above a/c No. When you are prompt in dedcting the TDS then you should be prompt enough to send the TDS certificate in time that too without reminder. The unfortunate part is that when we talk to your local office then the reply is "it will come from Mumbai office". We are now planning to close our a/c with ICICI due to this poor service. If I do not get my TDS certificate of Rs. 2455.0 then I will send a mail to yr MD.

R.N.Maheshwari

I have a Saving Account no.is[protected] with ICICI bank.My Mobile no is register for on -line transaction(OTP).
Rs.2440 debited from my account dated[protected] there was four transaction of Rs.610 each.Payment made on Site name Bill Junction.I alert when i got One time Password(OTP) on my register mobile no. I imediately contacted to Customer care and reported the complain no.[protected] dated[protected].
My complain to bank is only that I was not doing in Online transaction how it happened however i was Getting OTP On my mobile.It means Net banking is not safe with ICICI bank.
regards
Niraj Kumar Sinha
[protected]