ICICI Bank Complaints & Reviews

ICICI has a scheme where in you put money in a fixed deposit and then they give out a secure credit card.

I applied for the same and it has been a month since I have not been able to use my credit card. I have been going to the branch every week for the past 3 weeks trying to get the credit card to work. This last week, the credit card was activated. Now, I tried to generate an ATM pin several times. Now that I have the pin, I was told that my email address and mobile number were not updated in the system. It has been a month since I have a new mobile number and the number was already updated the day the application was submitted at the branch.

But I have been just wasting money on transport and my energy. Today is Feb 20th and I have been still unable to use my card.
Everytime you call customer service, they have some thing new to say. The back office where the application for credit card are processed, no one picks up the phone. One has to call customer service several times to find out why the customer information was not updated. They keep apologizing but nothing really changes. They asked me to contact consumer complaints to address my issues. So, now I am here registering a complaint.

Hi,

My ICICI CC no: [protected]

I have been getting calls for ICICI bank employees for false credit card charges. According to ICICI credit card, the charges are for premium payment for ICICI Pru policy. Now, first thing, I have not signed any policy document with ICICI Pru, secondly, I have neither paid the premium with netbanking nor swiped the card for paying premium. Then how come I am being charged for the transactions which I have not made?

I got a call from ICICI bank guy Dhyanesh Uday (mob no: [protected]) for 7-8 times. He asked me to come to Bhandarkar road ICICI bank Pune branch for settlement of this issue. So I had been to ICICI bank Bhandarkar road, Pune today to settle this matter. Dhyanesh made me waiting after reaching bank, he told me today his manager is not available and come on monday. I took a leave from office for going to bank and after going to bank, he is telling me this thing. Then he said, wait, I will come there, then after waiting for 1 hour, he said, today its not possible.
Then I shouted on him for making me wait for 1 hour, after which he started using abusive language and used bad words. I am going to launch complaint in PRABHAT ROAD, PUNE POLICE STATION against him ( or anyone from icici bank), if he uses this language next time.

Can you please send me the credit card statement which gives details of transactions that I have made for ICICI pru policy? Also, I want to know, if I havent paid the premium online, I havent swiped the card as well, then how come the transactions are added to my statement? I need to know the reason why was the transaction of premium payment added to my account?
If this issue is not solved in 10 days, I am going to take a weeks leave and do 2 things:
1. LAUNCH COMPLAINT IN CONSUMER COURT, 2. PUBLISH THE WHOLE STORY IN PUNE MIRROR.

Once again, I am telling you, I have paid every rupee that I have spent with ICICI credit card (Pls check my payment history for this). Current outstanding charges are false as I have neither swiped my card to pay premium nor made online transaction. This is automatically added by you and should be reversed.

Regards,
Tannishtha
[protected]@yahoo.co.in

My housing loan LBCAL[protected] got paid last month. Since then I have been trying to find out what to do next by calling Customer Care.

When I finally figured out on my own, I was shocked to see the state in which my original deed was in. The deed has been totally mutiliated and damaged by the 2005 flood.However, the great customer friendly ICICI Bank did not have the scruples to let me know earlier. The bank staff were not at all co-operative and I am really left thinking that I made a huge blunder in selecting ICICI for all my banking needs. I am definitely going to take some actions but just wanted to make others aware of the similar fate.

Dear Sir / Madam,

I had completed my payment of all my dues with reference to Credit Card from ICICI Bank. Till Date they have not issued the No Dues Certificate. Due to this i cannot avail any loan facilities from any bank as my name is appearing in CIBIL.

I am attaching proof of Full & Final Settlement Letter & Receipt for your ready reference.

I have continuously done the follow up with the bank representatives & customer care but till date i have not received any reply or communication from the ICICI Bank.

The requirement of No Dues Certificate is because i had settled the payment in Year 2008 but they came up again with additional amount due. And so i require the no due certificate.

The attachment is not working as itis in PDF file pl give optional email address to send the same.

Best Regards,

Sarjish Patel
Mob : - [protected]
[protected]@yahoo.com

When you call customer care, the machine takes over and keeps on repeating press this number that number finally when i get through and am in direct talk with the person he also makes you press numbers and vanishes.

Dear Sir/madam

My Name is Charu Malik & I have Gold Credit Card Of ICICI Bank My Card no is [protected] With Expiry Date 09/10 we are facing following problems
1 i have requested to change my postal adress below.
2 i have not recieved the renewed card yet.
3 i have done the payment thru cheque[protected]dated 22.12.10 of amt 1500 rs.for which i recieved the confermation on 27.12.10 reciept of 500rs.and on 11.01.11 with the same cheque no[protected]reciept the confermation of 1000rs but from my account rs 1500 has been deducted on 28.12.10 inclusing the statement of my bank account (hdfc) please give me a explenation.
4 i have done the payment thru cheque (959466)hdfc bank dated 22.01.11 the same has not been debited from my account yet.we are not responsible for the same.Note-we are undergoing to harrasment calls on daily basis (9 to 10 calls in a day and no action have been taken for above said reason.please urgently revert with the expenation for each point.

Thanks & Regards
Charu Malik

postal adress A-128/129 ground floor pocket -00 sector-2 Rohini Avantika.

I have applied for Car Loan of Rs 2 Lacs with ICICI bank towards purchase of new car from Pratham Motors, Belandoor Outer Ring Road, Bangalore. I had signed all the documents on 18/09/2010. The car was never delivered to me but a fictitious bill was raised by Pratham Motors and the loan amount was disbursed to Pratham Motors without any intimation to me. I also understand that the first installment of loan and file charges were also paid by an anonymous person on my behalf to get the disbursement of the loan. I was shocked when i came to know that an amount of Rs 6444.00 has been debited to my bank account towards the second installment of loan. I requested the bank as well as Pratham Motors to provide me hard copies of all documents relating to the above transactions but same are yet awaited. I am being disturbed by the bank persons on my personal phone and have also contacted my relatives for realization of their EMIs against loan which was never taken by me. This has embarrassed me a lot. On the other hand i have requested to send me all the documents and a legal notice in this regard so that atleast i am aware of all the transactions between Pratham Motors and ICICI Bank officials on my behalf. I suspect someone must have forged my signatures on the bill of M/s Pratham Motors which was accepted by the bank as well. Even the ICICI bank does not have the information about the car registration details with Bangalore RTO.

This is case of forgery along with mental and financial loss to me ever since I applied for the loan. The brief details of the case that I have, are given below:
Loan Agreement No: LABNG[protected]
Agreement Date: 23/09/2010
Name of the lender: ICICI Bank
EMI: Rs 6444

I had never purchased any vehicle from Pratham Motors. I wish to be reasonably reimbursed for the mental and financial losses and indict all those officers/officials of the ICICI Bank and M/s Pratham Motors who are involved in the forgery.

Thank you,

Yours Faithfully,
Gaurav Agrawal

Dear Sir!!

I have over 1900 points in my credit card but none of the gifts/options are given to me for redeem through the customer care of the online redeem facility of ICICI BANK Credit Card department.

I want to draw attention of people to not to use such credit cards which shows up points in your accounts but do not allow you to redeem even one.

Thanks, Naveen

hi
icici bank charged levy charges with out telling any thing to me. directly debited in to my account.
no proper indications and no tariff information and no alert message/sms while doing transaction.

please refer my mail below and help me to get my money back.


dear all,
i suffered lot of problems with icicibank, charges unnecessary and refer my mail below.
they will not revert my money at any cost. i have planned to go for consumer court.
one of you who is having account with icici bank and may suffer same problem and loosing your valued money with out doing any thing.
my experience will be your tomorrow's lesson.
kindly close your account with icicibank.
edwin
- Hide quoted text -


[protected] Forwarded message[protected]
From: Head Service Quality <[protected]@icicibank.com>
Date: Mon, Feb 14, 2011 at 4:24 AM
Subject: RE:'ICICICARE=[protected]'
To: EDWIN PETERSON <edwin.[protected]@gmail.com>



Dear Mr. Peterson,

We refer to your e-mail of February 11, 2011 addressed to Head Service Quality regarding your Savings Account[protected].

The below mentioned are the cheque return charges:
For first cheque return in the month, the charges are Rs. 350 +10.30% service tax
For second cheque return and thereafter in the same month, the charges applicable are Rs. 750 +10.30% service tax.
In your account, there were two cheque returns (cheque numbers 279111 and 279112) on January 11, 2011 and January 27, 2011.

For the second cheque return (279112), the charges applicable are Rs.750.00 + Service Tax. Hence, an amount of Rs. 386.00 was debited on January 27, 2011 and the remaining amount of Rs. 441.00 was debited on February 2, 2011.

As per the schedule, the charges were levied correctly. Hence, we will be unable to reverse the charges.

We have enclosed the schedule of charges for your reference.

We affirm that ICICI Bank at all times acts with diligence, in good faith, and in no manner prejudicial to the interests of its customers.

Sincerely,

Vamsi Priya
Office of Head Service Quality

I HAVE CREDIT HOLDER OF YOUR BANK HAVING THE CARD NO [protected].A lady named Suman called on 8feb 2011 with the number[protected] informed to settle the amount due on my credit card with 5250rs, ask to pay the remaining amount in installment .Accordingly I paid 2350rs on 09feb 2011 with transaction id no M-313860 in lajpat nagar branch New Delhi. and remaining 3000rs she gave the time which I can pay till 14april. She committed that the amount 2350 rs which i pay on 09 Feb. will reflect in the statement of feb which generates on 13 feb according to her and the next statement of settlement which generate reflect only remaining 3000rs . But the statement which i received reflects pending of 10363.02rs. Now this is complete cheating with customer, showing your fake and wrong commitment with customer. i am not a fraud i ready to pay the settlement amount but you completely laying. If your not on your commitment I will go to the consumer court and your nodal officer .Hoping your support and consideration . Looking your kind reply

I had lost my debit card of SB A/c. no.[protected], Main branch, Janpath, Bhubaneswar, ORISSA.
My details.
GORLI CHINNA RAO, Qr.No. 20/ G, ' E ' - Type, Chandrasekhar Pur, Bhubaneswar, Orissa - 23.

My Self Vijay owner of www.sanketsthal.com and social enterpenour


Today at 2 pm in S B Road branch my mobile was stolen
when I insisted on showing footage I got reply as they do have cctv footage only dont know how to check ti as it is first case

when I said culprit may be still in bank and if we dont hurry up he may leave premises they assured me thy can track him



I am putting this complaint to only let the world knows that premier bank like ICICI have precautions like security cameras or just being careless and giving invitations to robbers,it all depends and I got my mobile back or not

Will wait till week else go to press

Credit Card No.[protected]
A letter was sent to the Nodal Officer on7/1/11 thru speed post vide no SP EW[protected]IN in reference to the above card no regarding balance amount due indicated in ur Dec.10 credit card statement,but i am yet to receive any clarification from ur end till dt.Further in ur statement dtd. 19/1/11 in ref. to the above credit card you have indicated an amount of Rs.796/- as due.I am to inform you again that unless and until i receive the detail reasons for indicating the amount due in your Dec.10 statement i cannot disburse the amount as claimed by you.& If i do not receive any satisfactory answer from you within seven days regarding your claim of Rs.259/- it will be presumed that no amount is due against the above credit card.my letter dtd 6/1/11 is enclosed.

Hi,

Happened on 7th Feb 2011 at 1:55PM at JP ATM in ICICI bank ATM at sec 62 Noida, The transaction number is 9202

This is to bring to your kind notice that I requested for withdrawal of Rs 20000 but the money did not come out successfully and it got stuck in the machine at the place from where the money comes out. The guard (Upendra singh [protected]) present at the ATM tried to pull out the money out but he was not successful then the money went inside after a few seconds and the 20000 amount did not come out again ever. I got the transaction slip with 20000 debited from my account[protected] which is wrong. I wrote a complain in the register and guard present had put the signature there. I called and lodged the complain with the customer care but he put the call on hold and then disconnected twice. After a long attempt I was able to lodge the complain (SR[protected]. On the same day I gave an application along with the copy of transaction slip at ICICI bank Sec 62 Branch but that also of no use. They closed the SR on 11th Feb saying the money has been dispensed from the machine which is wrong. On 11th Feb again I went to the branch then again lodged a complain with a new SR[protected]. I am not sure whether they will entertain this time or not.

Please help me. It's my hard earned money. I have only witness in the form of guard.

Thanks & Regards
Chandan Kumar
chandan.[protected]@gmail.com
[protected]

Dear Sir/Madam,

I humbly request you to help me in getting justice.

My name : SADANANDA H.R

My ICICI BANK LOAN ACCOUNT NO: LPBNG[protected]

I had taken a personal loan of Rs.100000/- (One Lakh Only) from ICICI bank. Due to recession there was a huge fall in my business & i could not continue paying my emi's, here is when i got an offer from ICICI bank team to settele my loan at Rs.60000/- & they issued a settlement letter for the same Ref-(T32/PL/BLR/173743/[protected].

In which it says that i have to pay it in two installments ie.

1st installment Rs 25000/- on 30/06/09
2nd installment Rs 35000/- on 30/07/09.

I tried to arrange money but failed to do so & i decided to pledge the little left over gold that i had & arranged Rs 25000/- on 30/06/09.

But days were getting worse in my business & i totally failed to pay the balance money before my due date given to me. But during the course i kept my self close to the bank employee by name Mr.Raam & i was updating my status. Finally the due date crossed & they kept silent. Further i followed it up frequently & took further extension period for the balance due from the concerned employee verbally.

Then after almost one year i got a call 0n 27 August 2010 from a collection manager from ICICI bank stating that my PL has to be closed immediately & told me to pay the balance amount ie Rs 35000/-. i accepted for it & he gave me an option to pay in two splits.When i asked him about the closure letter he said that for settlement we do not get closure letter but we get NOC & to get NOC the due amount needs to be paid first & he promised me that the same old settlement letter stands good for the same.

But i clearly told him that there is a clause stating that if i do not make full payment before 30/07/2009, the the settlement letter given to me will not be valid. but he said that not to worry since i will be having the payment paid receipts which will sum up to Rs.60000/- ( My settlement amount) i will have full rights to get my NOC by showing the receipts.( Receipts Nos[protected]Rs.25000/-,2)[protected]-Rs.25000/-,3)[protected]-Rs.10000/-)

But now when i get back to them for my NOC they are saying that what ever i have paid is gone for my loan repayment & not for settlement.I am already in deep financial crunch & ICICI is further expecting more money from me to close this loan.

I humbly request if anybody could take action on this issue & help me to get my loan closed. Because of this my name has gone to CIBIL and my life is in real mess.

Please help me.

Thank & Regards

Sadananda H.R
email id: [protected]@gmail.com
91-[protected]

Hi,
I have made a Debit card Purchase of Rs. 1635 at kiskintha garments Store in Madurai. I made Payment through my Debit card, But the amount debited twice from my account same tranaction of Rs. 1635 was occured twice from it.. I am worried what to do. I contacted ICICI through internet banking but they didnt reply and Kiskintha says they have recieved only one Payment. I am very confused dont know where my money got stuck. Please advice me what action to be taken next. find below the screenshot of the mini statement

Sr.No Date Description* Cr/Dr Amount
1 07/02/2011 NFS/CASH WDL/07-02-11/06:46:18/0 DR INR 3,000.00
2 07/02/2011 MPS/APOLLO HOSP/[protected]/0 DR INR 615.00
3 05/02/2011 MPS/KISHKINTA G/[protected]/0 DR INR 1,635.00
4 05/02/2011 MPS/KISHKINTA G/[protected]/0 DR INR 405.00
5 05/02/2011 MPS/KISHKINTA G/[protected]/0 DR INR 1,635.00
6 04/02/2011 TRO 033007 THREE I INFOTECH LT CR INR 11,962.00
7 02/02/2011 NFS/CASH WDL/02-02-11/06:26:43/0 DR INR 300.00
8 29/01/2011 IPS/SYNDICATE F/[protected]/0 DR INR 466.00
9 28/01/2011 NFS/CASH WDL/28-01-11/20:36:04/0 DR INR 200.00
10 20/01/2011 NEFT(KKB110119N113963)N Shanmu CR INR 1,000.00


thanks in Advance

My acc no: is[protected]

I am a customer of ICICI BANK GOLD Credit card since 5 years, credit usage of 40K to 50K per month, never missed a payment deadline, after all this, ICICI has denied my the reward points which I was promised, they left me at the mercy of 'i-mint' which has got the cheapest rewards redemption. I am in very much agony.

Dear ICICI when I am your customer, and when it comes to 'giving back' why are you playing un-ethical?


Now they are just time wasting...please see communication as below............

" Dear Mr. Kotapati,

We tried to contact you on XXXXX80135 however we were unable to contact you.

We are deeply concerned with the issue raised by you in this e-mail. However please understand our limitations in this regard.

We have clearly updated on the website that Hand-picked Reward Gifts are for premium card holders.

Hence we would be unable to provide you the option to redeem the points against Hand-picked Reward Gifts.

At ICICI Bank, we believe in providing the best of services to our customers. We provide customers with easy access to information, products and services, as well as the means to get their grievances redressed.

If the resolution provided does not meet your expectations, you may escalate the issue to the next level. Steps given below will take you to our Grievance Redressal Cell:

Go to www.icicibank.com
You will find an option "Compliments/Complaints"
Click on Complaints
Click on Step 2
Fill the form to submit the grievance

Please note: You will receive a response within a period of 10 business days of receiving your communication.

Sincerely,

Jitendra Pande
Account Manager
ICICI Bank Limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section
of www.icicibank.com.


-----Original Message-----
Subject: RE: Credit Card

Dear Mr Jitendra Pande

THERE IS NO WHERE MENTIONED THAT THE CATALOGUE IS ONLY FOR SELECTED CARDS. even from my account I could reach this catalogue, the simple problem is only that you are not making my rewards available for me to redeem, Please advise the 'selected cards' eligible for that catalogue. I get a decent annual sal and legal foreign income too, I strongly beleive I am eligible for any kind of card you offer and want to upgrade my card and avail this watch. but finally All the help I need from you is buy me that watch via the rewards. If you care your customer and business ethics, rather than saying no to me fight my case with your seniors and please make it possible. make me feel good being your customer, I cant stoop any further, also rather than leaving me at the hands of that cheap i-mint rewards you could directly ask me to stop business with you.
Nothing less than the watch.
Regards
Rajeev
-----Reply Separator-------Dear Mr. Kotapati,

We tried to contact you on XXXXX80135 however we were unable to contact you.

We are deeply concerned with the issue raised by you in this e-mail.

We value your relationship with ICICI Bank. However this is to inform you that Hand-picked reward points gifts are available only for selected card types. Your Credit Card profile is not eligible for Hand-picked reward program.

It is unfortunate that, despite our good intentions, you had to undergo some discomfiture. Please accept our apology for your distressing experience.

Moreover your points are getting migrated to I-mint account number XXXXXXXX1623603 every month. Hence we request you to redeem your points through I-mint customer care from the available gift list.

I have gone through your e-mail regarding dissatisfaction due to the transfer of your Reward Points to "i-mint".

We would like to bring to your notice that ICICI Bank has taken a business decision to transfer points to "i-mint".

As its a business decision, we regret our inability to process your request to stop transferring your points to "i-mint".

Your feedback and interest in reward points to be transferred to "i-mint " will be shared with our business teams for implementation in future based on feasibility.

You may select alternate gift available from the I-mint gift catalogue and you may also share your valuable feedback by calling up I-mint customer care.

We look forward to more opportunities to be of service to you.

Sincerely,

Jitendra Pande
Account Manager
ICICI Bank Limited

-----Original Message-----
Subject: Credit Card

Hi Support Manager

How can you deny me to redeem my points which I've been accumulating since many years, for the published rewards?
I want to redeem "TAG Heuer Model No: CAH1110.BT[protected] Pts + Rs 20000)" from the hand-picked rewards section.
1) Please provide me a legal reason basing on which you are discriminating my eligibility?
Also advise me if I can do something from my end to make my eligibility meet upto this product. I am a customer of ICICI and so don?t direct me to some 3rd party i-mint I have no business with them.
2) Which kind of customers of yours can redeem this product?
I suspect ICICI is making false advertisement to lure customers, if that?s the case, I believe I am being cheated and seek legal compensation.

Very disappointed,
Rajeev
m-XXXXX80135

dear sir,
the icicibank is not closing my accounts and charging false charges and the complaints is ingnored,.which i am pasting below.
Dear sir,
i have already submitted the application for closure long back duly stamed on my co.'s letter head.
Unfortunately your bm has not responded to my letters sent to him via reg. courier, as i am right as its their mistakes and they have deducted unnecessary charges and so pls forget about the debit amt. also pls rev erse the unfair charges or as i told you earlier, i will be forced to take legal action, but i am not interested in wasting my and ur;s time. but it is bcoz for your staff's problems that i have to open up new accounts in other banks, even though i have them with your bank.
so pls do the need ful
Malhari borhade

I am using ICICI credit card since more than 2 yrs.
I have use is to purchase laptop & for Fuel , shopping in malls and always paid the bill.

Problem started with without giving complet information about Health Policy , Icici custermor care activated health policy for monthly Rs.99
I ask them to cancell it , they cancell it with cacellation charge applied.
I did not paid the bill as I was not inform while activation of policy .
the bill came every month with huge interest, It is really heartburning to pay for no fault.
I told them to cancell my Credit Card, but still bill came with huge interest.
On 23rd Dec 2010 from my ICICI saving account no.[protected] Rs.5185.59 was debited without my permission to pay for my Credit card No. [protected]. It is not stop there againg in this month credit card bill came with asking me to pay.
If this is the kind of banking service ICICI offering then god help them.

I had a auto loan ac no.sadel [protected] with icici bank ltd .the emi were not cleared on time from my bank ac so i was paying to icici bank every month,since 2006, on the basis of their collection
department calling me every month regarding the repayment of the loan amount with a montly installment of rs.6134/-.
i finished all the installments in march 2010 and when i contacted the bank for the noc against my loan ,i was told that 5 installments and plus late chrges +cheque bounce charges were due in their
records with a total of rs.approx.70,000/-and i was told that i have to visit icici bank at jhandewalan with proof of payment and obtain noc.
i was simply surprised because i had paid all the due amount and i have the receipts as a proof of payment .
i visited the icici bank at jhandewalan with the receipts and i got another shock of my life when i was told that out of all the receipts the last 6 installments were not received by the bank and the receipts
were fake.
i questioned them that how it could happen because i was paying according to the calls received from icici bank for the payment and nobody except icici could call me .
i wrote mail to headoffice mr avijit.bose and after one month of their verification they found that the receipts were neiter issued by icici bank nor from any of the concerned icici agencies..
my question is how on earth the six fake receipts were issued against my payment of rs.36804/-bearing the name of icici bank .either the management system of icici bank is so loosely and carelessly
held that the icici agencies operate on the basis of some modus operandi or some gang of snatchers .I MEAN what the hell ,how can anybody else come to know of my loan amount ,about my cell
no.,about my emi amount,about my address until and unless icici bank provides the details to anybody .and whoelse can boldly issue me with bogus receipts .NOBODY WILL DREAM .THAT SO AND
SO IS PAYING HE EMIS SO it is clearly the work of misuse of power ,misuse of customers laws ,misuse of blind faith on the calls from icici ..AND VERY CLEARLY THE HAND OF INTERNAL
PERSON/PERSONS BELOGING TO ICICI BANK ..but HOW can they accept their fault ....and thats why im on this page
Reason for Complaint
IT IS FRAUD BY ICICI/ICICI COLLECTION AGENCY
IT IS FRAUD BY EMPLOYEES OF ICICI COLLECTION
AGENCY..
Why is this Complaint Being Filed?
I HAVE WRITTEN MAILS TO MR AVIJIT BOSE AND IN RETURN I
GOT THE REPLY FROM MS PAVITRA JAIN AND MS.SANGEETA
DUBEY HEAD CUSTOMER CARE THAT THE RECEIPTS WERE
NEITHER ISSUED BY ICICI BANK NOR BY ANY OF ITS
COLLECTIN AGENCY .