ICICI Bank Complaints & Reviews

THIS HAS REFERENCE TO THE ICICI CREDIT CARD NO-[protected] EXP.03/13 .
I HAVE RECEIVED THE CARD STATEMENT DATED OCT 19,2010 WHERE I AM INSTRUCTED TO PAY LATE PAYMENT FEE AND INTEREST CHARGES WITH TAXES TOTAL AMOUNT RS. 552.00 APPROX.
I AM NOT IN RECEIPT TO MY PREVIOUS BILL FOR WHICH THE LATE PAYMENT CHARGES ARE MADE IN THIS BILL AND AS SUCH MY RECORD SAYS WHEN EVER THE BILL COME THE PAYMENT IS MADE IMMEDIATELY HENCE IF YOU HAVE ANY DETAIL OF THE RECEIPT OF MY PREVIOUS BILL FOR WHICH THE CHARGES ARE LEVIED, THAT MAY BE FORWARDED TO ME OR REVERSE THE ABOVE CHARGES.
THANKS
ROHIT KUMAR
31/6 CHETNA APPT IP EXT DELHI-92

My ICICI credit card No. is 4477 XXXX XXXX 8000. I called the customer care and requested for a full and final settlement for the above mentioned card for which they said that you will have to pay the minimum amount due for this month and they will start the procedure for the settlement. A month goes by and they again ask for the minimum amount making excuses about papers not being ready for I replied that I wont pay the minimum amount on which they say that settlement is not possible and you will have to pay the amount else interest will be charged and hung up. Now I've also use credit cards from two other banks viz. ABNamro (now R.B.S.) and S.B.I. and they where ready to do the settlement (I got the settlement letter from them the next day after calling them). Now my question is why the hell is a bank like ICICI not ready for settlement and what must I do to settle the issue. Also note that I don't care about being reported in CIBIL.

Dear Sir,

I am a Credit Card holder of ICICI Bank since 2007. On 12 Feb, 09 I have received a call from Customer Care of ICICI Bank offer for Health Insurance Policy against above mention Credit Card.

On 12 Feb, 09 without my consent on amount of Rs. 23003/-( Twenty Three Thousand Three only) was charged from my credit card account towards policy charges which was never opted by
never has been received by me till date consequently I stopped using the card thereafter.

On 27 Feb, 09 I received an EMI Statement from ICICI Bank Vide letter Ref. No. 5327197 & 5322705 dt. 17/2/2009 stating a option of cancellation of said policies in case I do not opt to retain
then, within 60 days. On 10 March, 09 I gave my option of cancellation of both the polices vide my letter on 10/03/2009 to credit card department, mumbai and copy to H.O., Varodara throughcourier and also informed the telephonically by the bank for cancellation. On 18/03/2009 vide request No.[protected] &[protected]. At the time Customer care executive told me that policy
cancellation refund will be given to me after deducting charges Rs. 13802/- I told then I will not pay any amount for the policy cancellation for which was given to me fraudulently. Thereafter I received Hundreds of call from the ICICI Bank to clear my credit card balance, but I hold them that I would clear all my dues if the bank shows me any documentary proof of policy/policy
cancellation. The bank still kept an calling me without any feedback.

On 26 June, 09 bank called me on phone to deposit of Rs. 650/- as processing fee and they would clear my refund. I paid the fee of Rs.650/- vide Ch. No. 945445 dt. 12/07/2009 for Rs.650/- drawn of ICICI BANK. Nothing was done by the bank except deducting Rs. 650/- from my account. I lost my trust from the ICICI Bank. I then filed a complaint to the Mr. Shiv Kumar Tadikanda, Nodal Officer, Hyderabad with all the details on 27/10/2009 through speed post No.SP ED[protected] IN. The Nodal Officer Hyderabad informed from MobileNo.[protected] at 5.30 PM on 31/10/2009 that they were in the process of clarification with ICICI LOMBARD GIC LTD and they would inform me within short period. No call tilldate has been received from the Nodal Officer, Hyderabad.

As per the instruction from ICICI Bank I also applied for cancellation of above mentioned Health Insurance Policy Vide their Cancellation request No. 11894639 dt. 15/09/2009.

On 22/09/2009 the policy was cancelled or amount of 9201/- (Nine Thousand Two Hundred One only) was credited to my credit card account. I was in found that the balance amountof Rs. 13802/- was with held by ICICI LOMBARD GIC LTD as policy cancellation charges. I do not understand attending a mobile phone call from ICICI Bank costs a person
Rs. 13802/- by ICICI LOMBARD GIC LTD

I then filed a complaint to ICICI LOMBARD GIC LTD Office at connaught Place to through speed post No.SP ED[protected] IN on 21/01/2010. Their response was showing. They telephonically ( No[protected] at 11.50 AM) told me on 15/02/2010 that no refund will be made and no written feedback is given to any one as per company rules.

On 7 June, 2010 ICICI Bank (Miss.Manisha) Rohini Branch Sector-8 called me to settle the dispute and refund of Rs.24379.51 would be made to me if I deposit Rs. 1000/- as processing fee. I gave cash payment to the Bank reprentative vide cash receipt No.[protected]. On 24/6/2010 a call one again came from the same bank By Miss Manisha that my refund was realised in fulland NOC for the same will be sent to me in case I deposit Rs. 700/-. I gave this amount also vide cash receipt No.[protected] dt. 24/06/2010 to the Bank representative. But this amountof Rs.1700/- was only shown as deducted from the dispute amount i.e.(Rs. 24379.51 - 1700/-) and the balance 22679.51was reflected as good against me and no refund was made.

Now the above amount reversed by ICICI LOMBARD GIC LTD dt. 01.09.2010 and balance amount dt. 29.09.2010. But the Rs.2350/- was not reflact my credit card statement paid for full & final settlement. Therefore, I request you to kindly issue us draft/cheque for Rs.2350/- with interest immediately because the above case not settled. I want good relation with your bank So, I request you to reactivate my Credit Card No.5177 xxxx xxxx 3014.


With regards,



VIJAY SINGH NEGI

My mother is having an old pension policy named "Life time super pension"
premium mode is monthly and Premium term is 3 yrs which has completed 2 yrs. .
before completing 2 yrs an advisor from ICICI company contacted us and told that kindly give last and final 1 yr premium in advance ie. Rs.24000. and we'll give you some bonus in november My mother paid that amount thinking that our policy has now fully paid up.
Now when she contacted your udaipur, Rajasthan office to consult about policy they told us that your old policy is diffrent and the advisor has given you new other policy named "icici pru assure pension uni- 105L102V01".
She has filled a complaint in that icici office .
Now we want to get our money back and punish the concerned advisor.
Several times I had sent complains to icici grevience but nobody is listening.

My name Bala Gangadhar Nalam, My LIC policy No.[protected]

I have ICICI Credit have, for this policy i have choosed BILL Pay option,

till 20 sept 2010 ICICI not paid the premium amount

then i have paid premium amount through SBI net banking on 20 Sept 2010, and 25 Sept 2010 ICICI also transferred funds to LIC for the same policy.

i have sent mail to LIC, by mistake we have paid 2 times for the same policy, then LIC has send response they inform us they are received only one payment that is date 20 sept 2010, this information i have informed to ICICI Credit cards and requested to refund the premium amount.

and i have sent the LIC payment premimum receipt (paid through SBI Net banking) and Response from LIC regarding this issue.

somany times i am requested ICICI refund the payment or send the LIC receipt, but till date thier is no response from ICICI.

i request you please inform ICICI refund amount.

because LIC not received the payment from ICICI.

regards

bala gangadhar

For this

An error /unauthorised transaction of Rs 1474 plus other hefty charges levied to my credit card account [protected].I immediately asked bank to terminate my account and investigate the matter in detail and at later time I paid the amount in full against my credit card bills assuming they will reverse the amount after investigation.But Bank did not do anything neither did investigation nor reversed the amount charged to credit card.What should I do.

R/Sir,
On checking of my account statement for the year 2008 to 2010, it is found that the following amount were deducted from my demate account no.[protected] with the remark that QAB charges +ST charges without any intimation/information.’
Sl.no. PURPOSE period Amount
1 QAB charges+ ST 04/2008 06/2008 Rs.843.00
2 -do- 7/2008 09/2008 Rs. 843.00
3 -do- 10/2008 12/2008 Rs. 843.00
4. -do- 01/2009 03/2009 Rs. 827.00
5. QAB charges+ ST77 04/2010 06/2010 Rs. 827.00
It is further that, at the time of opening of 3-in-1 account, representative of ICICI Bank has intimated to me that a sum of Rs. 750/- per year will be charged from you on account of service charge and further rs. 500/- per year as amc whereas the above amount deducted from my account quarterly without any intimation to me. I have sent many sms to ICICI customer care but till date neither any reply nor any amount refunded to me.
It is therefore, requested that my account may be checked personally and arrange to refund excess recovery made from my account at the earliest.
Yours
Dev Kumar, Account no.[protected]
Mob. No. [protected]
[protected]@rediffmail.com

Dear Mrs.Kochhar,

I am writing to you in reference with my LAP from ICIC BANK having loan number LBPUN[protected].

I have repaid the loan on 19th July 2010 and till date ( four months) been following up with your bank for my original property documents. These are the concerned persons- Swapnil Wadgaonkar (mobile # [protected] ) and Ashish Patankar (mobile # [protected] ).
Hope you help me on this otherwise I will be forced to take a very strong legal action against the
bank.
Awaiting your positive and quick reply.

Regards,

Kapil Pashankar

ICICI BANK: Account Verification For October.
Tuesday, 19 October, 2010 5:25 AM
From:
"ICICI BANK" <[protected]@icicibank.com>
Add sender to Contacts
To:
undisclosed-recipients


Dear Valued Customer

ICICI Bank is currently verifying all account online and to this effect we have asked all our custormers using our online banking facility to verify their account for security purpose and protection from online fraud. To verify your account click on the refering link below;

http://www.icicibank.com/security/verifyacct?action=acct_verify



Important Notice:- You are to match your details correctly as failure to do so will lead to account suspension.

Thank You.
ICICI BANK®
Online Banking Customer Services
Important Notice:- You are strictly advised to match your details correctly to avoid permanent account suspention.

ICICI BANK PLC. Registered Office: 9th Floor, South Towers ICICI Towers Bandra Kurla Complex Bandra (E) Mumbai.
Registered Number 2294747. Registered in India.
Authorized and regulated by the Financial Services Authority. FSA registration number 106054. For
more information visit www.fsa.gov.in/register. ICICI and the ITS logo are registered trademarks.

dear sir
i myself sanjay kumar das was working in icici bank limited kolkata in R.B.D. Department as a Business Development Executive.at sarat bose road branch,and my reporting boss was sales manager[kjshor jha] who is sitting jn sarat bose rd branch.and that time A.S.M.was pankaj chawla.
i was working there between the period of August 2006 to November 2007.my employee code was-505998,and my salary came into my a/c no[protected],cust id[protected] at SARAT BOSE ROAD BRANCH KOLKATA.
i earlier sent letter to the icici bank main branch kolkata,and P.F.Department to transfer my P.F.amount to my new a/c S.B.I.JAIJAIPUR CHHATTISGARH -[protected] OR issue a cheque of such amount and send to my home address - M.I.G.-50,PADMNABHPUR NEAR STADIUM DURG [C.G.]

Hello

Its been 2 months that I have been in touch with ICICI customer support team for NOC request for a Car loan taken in 1997 through Anagram Finance which was taken over by ICICI in 1999.

The loan was fulfilled in 3 yrs and in 1999, my husband, should have received a letter with that effect from Anagram or the then owner ICICI after completion of the loan.

Now that we want to sell and transfer the car ownership, I was directed after a month to the ICICI J.B nagar Asset loan dept.

I submitted the request. They said they would get back in 10 days. They still havent.
Its so difficult to get in touch with them..the only way being is to personally go to the bank several times.

Why cant ICICI have a proper database of Anagram once it was bought over???

Writing to the Head of Car loans was also of no use.

Have to again go the the bank and ask for status which I am sure they will not have any updates on.

Can someone help?

Regards
Gauri

Dear sir,
I Mhammad.Minhajuddin A/C holder with A/C No:[protected]' at Nallzkunta branch,I plased a cheque book request through phonebanking on 11th and one of the executive asked me call back on16th to collect the courier shipment number,I got the shipment no 4385802 and cont no 65908183 of prvs courier,Since 16th iam continuesly calling them but there is no proper responce.we as customer strongly belive in good service by icici bank.it is very disappointing for me that icici bank is fail to giving proper service.
THANKS AND REGARDS
Minhajuddin
[protected]

DEAR SIR/ MADAM,

ICICI BANK DON'T SEND DIS-HONORED CHEQUES, PASS-BOOK OR DEBIT CARD BY POST. MANAGER OF BRANCH INFORMS BY PHONE TO COLLECT THESE PAPERS FROM THEIR OFFICE. .

WHEN CUSTOMER GOES IN TO THEIR OFFICE OFFICE, REQUIRES A NUMBER-SLIP AND WAIT TILL HIS NUMBER IS COMING. I HAVE WAITED 2-2 HOURS IN RAM MARUTI ROAD THANE FOR COLLECTING DIS-HONORED CHEQUE TO TIMES.

IN SAME WAY, I FACED TENSION IN COLLECTION OF MY CHEQUE BOOK.

NOW WHERE SHOULD I APPLY FOR SENDING THESE NECESSARY DOCUMENTS BY POST?

- LB.VISHAARAD,
PRESIDENT,
RACHNATMAK SEVA SANSTHAN
(AN ALL INDIAN NGO.)
E-MAIL: indian.[protected]@hotmail.com ; [protected]@in.com

CURRENT ACCOUNT No. OO35O5O11188
ACCOUNT-NAME: RACHNATMAK SEVA SANSTHAN

On 18.10.2010 I received a phone call from mobile no.[protected] (femal voice) telling that I am speaking from ICICI Bank and veryfying online banking facility. She told me that within the next 15 minutes you will receive a message from ICICI Bank and there will be a 6 digit number. I will call you after 15 minutes and you will tell me the 6 digit number.As was told by her I received a message at about 02.05.18 p.m. from LM-ICICI Bank mentioning that " you have registered ICICI BANK as Payee Log in at icicibank.com and enter URN 450784 to confirm. Beware of frauds.Do not share or disclose URN to anyone." After 15 minutes the same female voice called me from the same mobile No. and asked me the 6 digit number. I am hesitantly told her the 6 digit number. I was having a doubt that I never registered ICICI Bank as a payee.But I looked the message once again and came to the conclusion that it was a true message because the Payee is none other than ICICI Bank. At 02.52.25pm I received a message fromTD-ICICI BANK mentioning that your Ac XXXXXXXXXXX is debited INR 49,000 on 18 Oct.Info.BIL*[protected]* ICICI BAN.Total Avbl.Bal is INR 18100.98. I was shocked that I never transfer money to that account. At 03.22.00pm I again received a message from LM-ICICIBNK Your Ac XXXXXX is debited INR 18,000 on 18 Oct.Info:BIL*[protected]* ICICI BAN.Total Avbl.Bal is INR 100.98. I again shocked and immediately contacted my local bank branch to know the details. But the Local ICICI Bank did not update their land line phone No. So I was not able to contact the Bank Manager. I immediately took my motorcycle and reached the Bank within 20 minutes and informed the matter to the Bank Manager. He checked the details in the Bank computer and told me that the money was transfer to one Mr.Sheik( Full Name not remember) who is having his ICICI Bank ccount in Mumbai and drawn the money of Rs.67000 in the other Bank ATMs. I gave a written complaint to the Bank Manager and he informed the matter to the higher authorities. The Bank Manager told me that if the fault was with the Bank, the Bank will reimburse the amount of Rs.67000/- ,other wise you will lose the money.

I have a doubt that How the person in Mumbai came to know my Bank account No. and the login ID, Login password, transaction password the Grid Card No without the help of the Bank authorities. I am having my home in the southern tip of Tamil Nadu. What can I do? Is it adviseable to register a complaint in the Local Police or leave the matter to the Bank authorities. When I searched in the Google search , I came to know that this type of online fraud money transfer was going on long time.Why ICICI bank was not in the habit of stopping this type of fraud.The bank authorities warned their customers that do not reveal the account details, ID, Password,etc. to others. Every week two or three e-mails was received by the customers asking the customers to update your bank details in the prescribed proforma indicated below. The Bank authorities are telling they are bogus websites.Do not answer to such e-mails. How an ordinary customer came to know that such e-mails were true or false.

I request the public to find a solution for this fraud and advise me what can i do further.

XXXXXXXXXXX ( Name not revealed )

Dear Sir,
plz. help me, My loan a/c no. is lubbk[protected] . By 15th Sep a person was came to my office & he asked about fore-closer of my loan a/c. He has given me an offer of 30000/- to close the a/c. so I have checked his identity & taken a receipt of 30000/- & I have given him a Demand Draft of 30000/- ( DD No- 003073) favoring of ICICI Bank Ltd. Lucknow. Now 15th of oct I have again received a call from ICICI Bank car loan department for dues, they have told me that some one has cheated me, plz. tell me that what can I do?

My wife has saving account with ICICI bank Borivali branch. The bank timing mentioned in all the communication is 8am to 8pm. I went to deposit cash in account at around 7.15pm. I was told that they accept cash till 7pm only and now cash counter is close. If that is the case why are they mentioning bank timing as 8 to 8. Secondly they have installed cash deposit machine in the machine, and even that was not working.

I have taken a personal loan from ICICI bank 3 years back. There is some dispute between me and bank. The bank has started calling my relatives through some collection agent (a lady who says her name is Ruchi, she calls from Rohini and her contact no. is [protected]) She talks ill with them, uses very harsh and abusive language and calls repeatedly at their residence

I would like to make a complaint against the bank to stop contacting my relatives and talks to me directly instead of making a call through a third party.

I would also like to lodge and FIR against the bank for harrasment of customers through unnecessary charges and spoiling their reputation and harrasing my relatives.

I am calling from last two days to your customer care and visiting your ICICC branch kondhwa, wrighten mail to Mr Shiva from your site. But not getting any resolution from them any closing my SR without any resolution.


My Issue:-

I have done payment on 9th-Oct-2010 of Rs 12329 to my ICICI Credit card through click_To_pay (Net banking) from my ICICI bank account.
Amount was debited from my ICICI bank account and I have received SMS" Amount Debited and Bill ref no[protected]" . But it’s not credited in my ICICI credit card.

1st SR No =[protected] Customer care ( which is closed from customer care that Unable to process your request).

2nd SR No =[protected] Branch office ( Which is closed from Branch office that Bill payment processed successfully and forwarded to the biller on 11th-Oct-2010.

3rd SR No =[protected] Which is open.

Today I visited Kondhwa Branch office to know how the SR has been closed, When biller is ICICI credit card, saying they have not received. Then where is Rs 12329/- . No one is of your office is able to answer.

Credit card team saying check with your ICICI bank account and ICICI bank branch saying check with Credit Card department.

It’s a matter of Rs 12329/- .




Payment Details
Payment Id
[protected]

Amount (Rs)
INR 12,329.00

Date of Payment
09/10/2010

Debit Account
0**********97

Payment Status
Success

Payment Remarks
CC0006

My details :

Name :- Farman Ali

Contact No :- [protected]

Mail Id :- [protected]@yahoo.com

This refer to the ICICI Bank's appointment about the recovery agency, they are calling from different numbers and different names. upon asking them they are calling from they simply says that calling from ICICI Bank and when i am depositing money.

i started recieving calls since 28th September 2010. First i got call from Number [protected], who did not disclosed his frist name and only mentioned his surname as YADAV. and said he is calling from ICICI bank, and is calling form recovery devision, which i honoured and i attended call and told him that we can meet and discuss the same as i have clear intention of paying the amount in full and final, which he said that we will ensure the waiver fo the interest and i only need to pay the principle amount as full and final payment to bank.

i said what ever way, as i have very clear intention of paying back all dues, he called me asked me baout my residencial address which i shared with him and also said that come on saturday as that's our off day and am available at my residence whole day , which he confirmed to come on saturday i.e 9th October 2010. he called me at round 10.25 and again confirmed my residence address which i confirmed him, i was waiting for him tilll evening and round 6.00 P M i called but his number was out of reach.

He again called on 11th October 2010 and said i can come today as your (My) office is in Gurgaon only so it is convenient for him also to come and meet me which i said come at 4.30 and i confirmed him my office address as well. he did not came and on 12th October 2010 he called again and said that he was to attend training programme after 4.00 P M so he was unable to come and meet me and i confirmed him to come at 11.00 A M , which he came along with another person, from their appearance only i realised that they are not bank employees and i asked them are they from recovery agency or from DSA which he said does not matter as we are employee of the bank , i asked for their identification and they said they dont carry all the time with them, i asked for business card which they said all these are waiste of time and energy i need to give them money or tell then they they can come and collect it, i said i have clear intention of paying money and would not give you the money only to bank or bank representative only, but he got annoyed and connected call to someone named Pankaj, and made me speak to him , upon speaking to him he become very absuive and thearteniing, then i told them to go and follow the legal procedure which they said that they have their own legal procedure. i got sacred and felt life threat to me and my family. i asked them to behave like human being and i have been very gentle nice to them during all the days they are calling during thier meeting although it was not established that they are bank employees then he told me ""teri ooutak kya hai... hum ne police main naukri ke hai.. sab janete hai... our tu nahi janta hum kya kar sakte hai....""
upon very nice to him again and requested him that can i speak to anyone from the branch he is representing then he connected to someone named Mr. Niladhari Debuy ([protected]) who was really nice during the conversation and told them to leave from my office immediately and assured me that no one will call me as i requested him that i will persoanlly visit the branch on saturday i.e 16th of October 2010.
on 14th October 2010, i again got call from[protected] confirmed his name as Vikram, who again started when i am depositing the money in the bank ... i asked him that i had word with Mr. Niladhari who assured me that noone will call me as we have scheduled our meeting but he continued that i have to deposite money or when can he send someone to collect the money, or when i am going to deposite the money. I told him that after yesturday's insident i have already written to ICICI bank and Banking Obsdm. about the calls and the procedure followed by bank for recovery, which he said does not make any difference i have to pay and i have to , which i told him i have never refused but only requesting for nice and gentle behaviour and once i have confirmed that will be coming to branch on 16th October 2010 and assured by Mr Niladhari Debuy taht no one will call me till then and if need be he himself will call me, he continued then i requested him that end the call and confirm with Mr. Nildahari Debuy about my conversation with him.

with all this happening with me i am feeling little unsafe as recovery agents appointed by bank has done damage to my reputation in my office by creating schene and speaking loudly in the office, two given me lot of mentle disbalance , disturbance in my persoanl life.

I need guidlines on the procedure which recovery agencies need to follow and Bank need to follow, also what is standard indian law practice to settle the due without further disturbance and in most amicable manner which does not spoil my image further in my work place and no disturbance to my family and life security.

My details are:
name: gulshan singh chib
credit card no. [protected]
bank ICICI (VISA)

KIND ATTN: Ms Chanda Kochhar ICICI BANK


Dear Ms Kochhar,

Sub: Customer unfriendly polices introduced by ICICI for increasing loan EMI

Ref: Home Loan ACs LBMUM[protected], LBMUM[protected] & NHMUM[protected]

I have been a banking customer of ICICI since about 6 years now. Have always experienced bad service, and no focus on customer from early days. Had no choice but to choose to stop banking with ICICI.

With regards to the above Home Loan- i have been always troubled to get either branches in andheri or lower parel, for any queries ands part prepayments. again an unfriendly customer environment, in spite of ICICI having so many bank branches. But that’s ICICI's prerogative and ideology, which I will totally respect for logistical reasons.

Now, suddenly- when my wife took the trouble of going all the way to the ICICI Andheri Home Loan branch, to submit a letter for increasing my EMI component- she has been informed- that the rules have changed and it will be a one month process with details of 3 months salary slip and PAN card to be submitted, and will be the bank's decision after evaluating the financial status and capacity.

1. The least the bank could have done is- inform this in advance by a way of letter, hence avoid wasting our time, to get to andheri and come back without any conclusion.

2. When the bank has the PAN card- why does it want a copy again?? A PAN card is a PAN card and does not change from time to time.

3. Who is the bank to evaluate- whether we can increase our EMI or not after the loan has been evaluated and dispersed by the bank- as long as we pay it on time?

I object strongly to such harassment from the bank, now that we are tied in, and expect the bank to be evaluate the customer impact of such policies, which obviously are beneficial, from a financial perspective for the bank.

Appreciate a response to my mail- with some concrete solution. in the event of no response- I will be convinced on ICICI's ideology to be non-customer friendly .

Cheers!

Siddharth Sahgal
[protected]@yahoo.co.in
[protected]