ICICI Bank Complaints & Reviews

Date: 04th feb. 2011
To
The Customer Care Division,
Reserve Bank of India,
New Delhi.

Sub : Unauthorized debit of Rs. 5000/- from my ICICI Bank A/c. No. [protected].


Sir / Madam,

This is to inform you that I had tried to withdraw cash from above cited account through ATM Centre of Oriental Bank of Commerce & Axis Bank Ltd. Bhangel Branch, Noida on 19.12.2010 (Sunday between 11.00 AM to 11.45 AM), but no any transactions has been succeeded, and I got message on my mobile that Rs. 5000/- has been debited from my Account. I complained in ICICI Customer Care Centre on 20.12.2010, Executive told me that we will enquire about the same and this amount (Rs. 5000/-) will be credited (refunded) to you after 12 working days. I again talked to Customer Care Div. on 05.01.2011 and 08.01.2011 with executive (Mr. Samraj), they told me that transaction has been succeeded but its not true, and I complained again then he will take more time (Around one week) to enquire the same. (Copy of Bank statement of dated 19.12.2010 is enclosed). Now it is matter of great surprise to receive the message from Ms. K. Hima Bindu on dated 11.01.2011 showing the successful transaction, which is absolutely false in your part and not atall acceptable. ICICI branch told me the transaction has been succeeded according to Oriental Bank of Commerce, Bhangel, Noida.
I also complained in Oriental Bank of Commerce & Axis Bank Ltd., Bhangel, Noida. But they did not received my application, and they told me your transaction has been succeeded. I am so troubled last one month, but nobody help me.

You are requested to kindly look into the matter seriously and instruct the concerned Bank to resolve the problem as early as possible.


Thanking you,

Yours sincerely

(Ajeet Pratap Singh)


Encl: As above
cc: The Branch Manager
Oriental Bank of Commerce Bhangel, Noida (UP)

cc: The Branch Manager
ICICI Bank Sector-18, Noida (UP)

cc: The Branch Manager
Axis Bank Ltd. Bhangel, Noida (UP

ICICI is the least trustworthy bank I have encountered in all my experience with banks. This is regarding a transaction for $3000 initiated on Jan-12. Here is the chronology of the transaction:

Jan 12: Transaction initiated

Jan 19: Money debited from my account

Feb 1: I call in and raise a service request

Feb 3: No response from ICICI team, so I call back.

The service representative tells me that a response has been sent (I have not received anything), and that I might not have received it because something might be wrong with gmail.com. Seriously? What a complete - I explain to him I have received more than 50 emails over the last 2 days, and this is the ONLY email that I have not received - Why? After that, I explain my problem. Money has been debited from my account, but not been dispatched - why? Get this - he says, draft has been dispatched and received. When I ask for the name of the person who signed for it, that is someone I HAVE NEVER HEARD OF. The beneficiary of the DD and the DD recipient are the same. How the heck can ICICI allow someone else to sign for it? I then say that the status on the website says something else (money received). A previous transaction I had executed successfully (where the money actually reached) showed a status of "Draft Dispatched" and gave me details of the courier, DD number etc. But this does not have anything - why? This is what the customer rep says - "the website has changed now sir". I can't believe that ICICI is this lax and irresponsible with such important transactions. So I raise a complaint request, verify that it has been raised with the representative and ten hang up.

Feb 3 (10 mins later): I realize that ICICI can't be trusted, and call back to get the SR for this request.

When I ask the customer rep for my new service request, she said that I have not raised any! According to her, the last time I have called is on Feb-1. This is absolutely unacceptable. It is one thing if ICICI makes a mistake on the transaction. But it is completely something else to blatantly lie to the customer. So either this rep, or the one that I spoke to before lied to my face. This time I raised another SR (SR[protected] and hung up.

ICICI representative, if you are monitoring this website, read this: For providing deficient service, you have civil liability to me to fix the issue. But when an employee of your company willfully lies and misrepresents facts, I can press criminal charges against you. And mark my words - I have successfully won against your company previously in the courts, and I am very well prepared to do it again. Give me my money back.

Other readers: Do not trust ICICI with your money. Other banks (HDFC, ING Vysya, etc.) are far more reliably, and even if something does go wrong, they fix it, instead of trying to dodge the issue.

Dear Sir,
It is intimated that I have deposited Rs.34500/- in my saving Account No.[protected] in cash in your branch during the month of Nov. 2010. The counterfoil of the same has also been received duly affixed the bank stamp. However, on scrutinizing the statement of Account as on 31 Dec2010 it is found the Rs.34,500/- has not been reelected in the statement of account.
2. The counterfoil received from the bank has been misplaced and could not be traced out.
3. In view of the foregoing you are requested to scrutinize your record and credit the Rs.34,500/- in my saving account No[protected] at the earliest to avoid financial hardship as well as infracutuous correspondence at all levels.
4. An early action will be highly appreciated.

Thanking you

Ms. Zarina M Lal

Respected Sir
This is Sameer zainul, I have worked with ICICI BANK. my P.F no is HM/18796/163645 , I got p.f amount Rs9966.00, balance amount still not received,Please let me have my balance amount, & allow me to have my pf balance as soon as possible.

Regards
Sameer Zainul
[protected]

Dear Sir,
I am using iMobile application of ICICI Bank in my mobile, since last three months its locked due to wrong password entry, i have communicate this problem to customer care many times, but nobody get me solution.
Avdhesh
Ph: [protected]

Sir /Madam ,
this is to bring to your notice that we have been charged Rs 400 as late payment fee on our credit card -[protected] on statement date 17th jan. we received our credit card statement late last month and the payment was done immediately via cheque no 002201. there must have been some delay in the processing and you received the payment late. kindly look into the matter and relieve us of the late payment fee as the last date is on the 3rd feb.
thanking u in anticipation.
mr vinod kumar soni
soni.[protected]@gmail.com
[protected]

I had visited China during the month of April2010 and November 2010 for my official trip.
During my stay ,I had paid my hotel bills by ICICI debit card.
In both the cases, while check-in ,an advance of RMB 5000 swiped although cancelled by both the hotels were not credited to my account.
The transaction details are as below.

Transaction made during the recent visit?
Hotel Kempinski,Dalian

Sr No. Value
Date Transaction
Date Description Cheque No. Withdrawals
10 25/11/2010 25/11/2010 ?MPS/KEMPINSKI /[protected]/0 ? 12,417.01
*Here also,RMB 500 is deducted extra,which was swiped as advance.

Transaction made during the earlier visit.

Hotel TC Garden,

07.04.2010 MPS/TC HUA YUAN/[protected]/0 Dr 3,269.77
09.04.2010 MPS/HUA YUAN HO/[protected]/0 Dr 7,435.71
10.04.2010 MPS/HUA YUAN HO/[protected]/0 Dr 3,272.76
10.04.2010 MPS/HUA YUAN HO/[protected]/0 Dr 444.3
*The highlighted amount is an advance RMB500 which is not credited back to me.
My account details:
Rajiv.B.Dholakia
Account number: [protected]
Account in the branch ;Race course,Vadodara

I also had booked a complaint for this repeatedly by telephone ,e mails,internet accounts and personally visiting race course branch but nothing has been done.Every time they ask for the same details again and again despite providing them the same by various means of communicatrions..
Please help me in this matter to get back an amount in rupees equivalent to RMB 1000.00 which had been debited excess with out my singature on any form.( i did not sign any slip for such debit at nay of the user outlet any where.

Thanks

RAJIV.B.Dholakia

Dear team
My name is E,THANDAVAMURTHI E.NO;C33319. Actually i joined 06 Nov 2008 for I and S team . I worked i chennai tamil nadu icici bank chennai main branch moore street for i process agent till now i dont get my pf amount kindly help me ,I resined my job Feb 2010.


Thanks with Regards,
E.Thandavamurthi/
[protected]

Sir,

I m Mr.Rajendra Vishwas Musale is your icici bank credit card customer bearing credit card no.[protected]. For the transaction details of same i have given my mobile no [protected]. My This mobile no is changed and i want you to update my new mobile no with you to provide me my transaction details.

My new mobile no is [protected].

pls do the needful at earliast and update my transaction details on my new no.

regards,

Rajendra V. Musale.
[protected]
E Mail Id- [protected]@marvelousmotors.in

Sir ,

I am Mr. RAJENDRA V. MUSALE is your CREDIT CARD CUSTOMER bearing credit card No.
For the same i have given my mobile no [protected] for transaction information,since this was my company mobile no which i have left 6 months back.Now i want to change my mobile no for transaction details.
Kindly replace my existing no with my new mobile no which is as follows.

[protected]

pls do the needful at earliest.

Rajendra Musale
[protected]
E_Mail Id. [protected]@marvelousmotors.in

[protected]
ICICI BANK
NEHRU PLACE .
DELHI 110019
SUBJECT: REQUEST FOR CHARGE WAVE OFF (false chage on my a/c increasing )
REFERENCE: C/A XXXXXX036068 M/S MEMORY POINT


Dear sir

i have open current a/c in your bank more then three at that time your bank agent told me it is zero bal. a/c no any charge debit from a/c.when i widraw that amount bank charge minus every month and now it will become minus Rs.3500 (appx.more or less) then and I am not able pay that amount when i talk to agent they told me it will close after one year what i can do please reply and do something.
Bank never inform us about the charge. But sweep the charge from our a/c time to time without any infomation. You are also request to retrun all the charge & resolve the issue . due to this problem ( bank charge) I could not operate my a/c.

feel free to contact
Sincerely

p.k.gupta
memory point
e-14/2 krishna nagar
delhi 11051
phone no [protected]
C/A XXXXXX036068

Dear Ms. Chanda Kochhar,

At the time of opening my Roaming Current Account No.[protected] way back in 2006, bank's representative made the following committment:-

" Ithat if I maintain an average quarterly balance of rs.50,000/- I will not be charged any commission for unlimited number of Demand Drafts / Pay Orders."

I am running a couple o[censored]niversity study centres and am required to get some DDs issued periodically ( semester wise). the offer looked impressive and appeared to serve my business purposes, hence I opened the above noted account..However, your Janak Puri branch is always creating hurdles when asked to issue some 20-30 DDs at a stretch.

for last few months I have not been making nay DDs but maintaining the minimum average quarterly balance of Rs.50,000/- but to my shocking surprise, every month ( for last two months my account is being debited by rs.500/- for the reasons not known to me. My calls to your Customer care department could not provide me a convincing answer.

this is also worth mentioning that my several requests for activation of Net Banking facility on this account has not yielded any results so far.

May I request you to let me know the reasons for these debits? This information may please be supplied to me on my email id: [protected]@rediffmail.com and [protected]@hotmail.com or on my mobile: [protected].

Regards,

Shobha Kumar
Genius Inofrmatics

Hi,

My name is Rajesh Sharma, I hv taken home loan from ICICI bank in Oct. 2006, at the time of loan disbuestment my loan ROI was 9%, later it went upto a maximum of 13% and present is @ 12.5%.

Actually when I have taken this loan the loan amount was 15,39,450/- and tenure was 120 EMI (10 years). After paying 51 EMI (Approx 10,00,000/-) I still have to pay 109 EMI. I am really fedup with this, it looks this loan will never finish.

I dont understand what is the meaning of floating ROI, when the banks are not decreasing the ROI for all the exisisting customers, why are they showing the difference between New and old customers?

THe difference between my ROI & FRR/PLR is -1.25% so my current ROI is @ 12.5%

Yesterday I visited ICICI bank kormangla, Bangalore branch to inquire about this, ICICI came up with scheme for existing customers to reduce the interest rate (making variance with FRR/PLR to -3.75%) by paying 6577/- as conversion fee and investment of 40,000/- in icici bank for 5 years locking period.

is that not unfair to charge 6577/- as conversion fee and investment of 40,000/- in icici bank, for an existing customer to change from 12.5% to 10% within the same bank. this is a kind of cheating that ICICI is doing.

I have the below requests to ICICI Bank:
1.Convert my existing Home Loan to New Home Loan rates and give me a Variance of -4.00% fixed for the entire tenure.
2.This conversion should be done without charging any fees.
3.I should not be asked to invest in any ICICI Prudential Plan.

I request for an early resolution to my problems.

Rajesh Sharma
LOAN AC no: LBCHD[protected]
Mobile No: [protected]
Email: [protected]@yahoo.com

An intruder has hacked my savings bank account. Below are the fraudulent transactions done using my bank account on EBay.com. We need your help to get the details of the below mentioned transaction to nail down the culprit. Below are the transactions

Date Transaction Amount (INR TH)
[protected] BIL/[protected]/EBAY-PAISAPAY/[protected] 99417
[protected] BIL/[protected]/EBAY-PAISAPAY/[protected] 65397
[protected] BIL/[protected]/EBAY-PAISAPAY/[protected] 33290
[protected] BIL/[protected]/EBAY-PAISAPAY/[protected] 88650
[protected] BIL/[protected]/EBAY-PAISAPAY/[protected] 97000
[protected] BIL/[protected]/EBAY-PAISAPAY/[protected] 95598

Please help me find out the culprit. Please contact me at
amit.[protected]@gmail.com

Dear sir,
I have taken home loan Rs565100/- from icici bank five years back keeping 240months istalments. EMI Rs5810/- paying by everymonth without inturption through icici bank account. When I saw the my load details the bank about Rs70,000/-taken as interest and Rs3000/- as principle amount for every year. Also instalments they increased from 240 to 400months. How it is possible. please help me in this regard.

Afsarpashabr...

sir/madam

I have cleared my Loan a/c LTDEL[protected] taken for bike in August 2008. You Have also provided me the NOC.
But My name is not removed from CIBIL defaulters list yet. Because of this me and all my family members are facing problem of loan rejection.
I request you to kindly remove my status FROM CIBIL as a DEFAULTER so it can not impact my other finanace transation.

Regards
Tahir Hussain
[protected]

Dear sir

I hereby like to inform that I am using ICICI Bank Easy Deposit card since 2004. I have deposited Rs40000 for this card. And I am using the REVOLVING CREDIT SYSTEM as a FD Loan and for that interest rate is 0.99% constant since 2004. But recently the banker has announced that they are going to increase the charges up to 45% per annum, for revolving credit system. I strongly object for this Interest Hike. I am using my deposit money as FD Loan, in this situation how the RBI has allowed the banker to charge high interest like a credit card. In the credit card the customer is using Banker Money but for EDC card the customer is using his deposit money. Please think about and request you to revert all the proceedings for new charges for EDC card. And also I want to know which act is applicable for EDC card i.e., Banking Act or Credit Card Act.

Thanking you,
TD BASKARAN - MADURAI.

Hi

I am Ramesh, i am holding Kingfisher ICICI credit card ([protected]). I have used certain amount on this card and at some point of time and i cleared entire amount on that. Again, i started using it and made some payments regularly for few months. Later due to some financial problems, i didn't make payments, it was converted to EMI's for 12months. I paid first EMI and didn't continue to pay.

On 20th Jan, 2011, i received a call from 2 people that they are bangalore police and High court lawyer told me that i have to make the payment asap. I requested them that i would like to go for settlement or at least i need some waive off with some time to make the payment. But they refused for that and said, they are ready to lodge FIR with non bailable warrant and police will come to my home and pick to karnataka and there after i have to face the consequences.

I tried convincing them to make the payments and hardly they gave me 2 days time. But in that time amount was not arranged and i switched off my mobile due to tension. On 24th Jan 2011, they called my office and spoke to my manager saying that along with me, my company is also going to be kept under defaulters list if i failed to pay 21000 before 2pm. I went in touch with them by 12pm, and they gave me 2 hrs time to make the payment of 10K initially. I made 4700 by 2pm and later 5300 by 4pm, I called them and gave receipt numbers. They asked to make another 11K by 25th Jan to fulfill the initial pay of 21K.

On a whole, i am ready to make settlement with some waive off, which i conveyed them the same. But they didn't give me a chance and really i was into depression and facing horrible situation. I have sleepless nights all the 5 days and situation really took me to thought of suicide attempt.

My office manager has already given a first warning saying that, NOT TO REPEAT GETTING CALLS TO OFFICE AND IT MAY HIT MY JOB.

To be frank, i am clearing all my credit cards and loans since mid of last year and i left with few more. Last month i cleared my HDFC card, 3months back i cleared my Reliance and GE loans. Genuinely i am going on my way to clear out all the remaining, but unfortunately i am facing this situation.

I request ICICI team to help me out on this and avoid such situations to their customers.

Thanks,
Ramesh

To,

CEO - Commercial Services.
ICICI Bank Limited

Dear Sir,

This is to inform you that I hold a new current account No.[protected] opened in Dec 2010 Current Account in ICICI Bank faridabad Branch.

I have just started business 6 months back, I got once LC 90 days sight opened in ICICI bank branch from Central Bank of India 35 lacs. As per ICICI rules - and told my manager that once Acceptance is recieved - we will discount the same after deducting interest.

Now when all acceptances have come from Central bank of India , they have completely blocked my 35 lacs and telling me that you are new client and we can't discount it to you.

Today I am on the verge of closing down my business due to such irrosnsible response from such a big bank.

I request esteemed higher ups of ICICI bank - to kinldy look into below - as I am ready to give even higher intersts - to susutain my business.

Thanks and regards

Sumit Gupta
[protected]

Sub:-Non receipt of redemption warrant against the bond certificate no.-6060264 is amounting to Rs. 30000.00.

Ref: - Bond holder no.[protected]

Sir,

With reference to the above subject, I the undersigned Ajaykumar Santoshkumar Gupta humbly state that vide Tax Saving Bonds-012005-TSB-ONE I was allotted 6 nos. of bonds each having a face value of Rs. 5000.00 and totaling Rs. 30000.00 vide bond holder no.[protected].(Xerox copy enclosed).

As per the bond certificate, the redemption date was 11.03.2010. But till date I have not received any such redemption warrant till date at the address mentioned in the bond.

Mr. Ajaykumar s. Gupta,
B-4, Aakar Flats,
Near Hotel Maharaja Landmark,
Kalol
Date:-19/01/2011