ICICI Bank Complaints & Reviews

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 .

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