ICICI Bank Complaints & Reviews

Dear Sir,
I was having some outstanding with ICICI Bank credit Card No [protected] which I was paying on time till April'10 but after that I was not received any statement from them. Finally I got a call fro Bank to settle credit card outstanding. I agreed to pay them agreed amount subjected letter of settlement from them. They have not given me the settlement letter & blocked by Rs 1.29 Lac from my saving a/c. I requested them to unblock my amount so that I can clear their outstanding but they didn't release my money & debited that amount from my account. Agiain when I requested that u have recovered your money so please give me NOC. They again demanded Rs 5045 for the period in which they blocked my account. Finally I paid that amount also but they have not given me NOC. Now I wnt legal action against them for harrassment & also take them to consumer forum. Please advise me for the same. Enclosed communiaction with Bank.
I have deposited Rs 5045 as outstanding shown by you. Now release my NOC & Clearance certificate without any delay. Also clear this fom CIBIL.
I need this immediatly. Please mail me the copy of all required dec.
Hope you will do the needful.
Regards

Rajesh Malik

On Thu, 30 Sep 2010 15:30:46 +0530 wrote
>
Dear Mr.Malik,
We inform you that we would not be able to depute an executive to collect the payment.
Your can make the payment in any of the following options to your credit card.
PAYMENT OPTIONS

1. For online payment if you have an ICICI Bank Savings Account – Go to ICICIBank.com and transfer funds from your savings account to credit card account using our Bill Pay facility.
To use Bill Pay, follow these simple steps:

(i) Log on to www.icicibank.com with your Internet Banking user ID (you can call us at our 24-hour Customer Care for your free user ID and password.)
(ii) Go to the ‘Bill Pay’ section and "register" your card as a "biller".
This is a one-time activity.You are now ready to make payments to this biller. To know more, please visit http://www.icicibank.com/pfsuser/onlinepayment.htm
2. For online payment if you do not have an ICICI Bank Savings Account – Pay your ICICI Bank card dues from any of your non-ICICI-Bank savings accounts also through net banking if your bank has enabled the NEFT facility. Use Transaction Code 52 and IFS code ICIC0000103 for ICICI Bank as the destination bank. To know more, please log on to http://www.rbi.org.in/scripts/FAQView.aspx?Id=60


3. By Cheque/Draft – Make out a cheque/draft on a local bank and drop it into one of the collection boxes conveniently placed at our ICICI Bank branches / ATMs / Skypak drop boxes in your neighbourhood. The cheque/draft should be payable to “ICICI Bank Credit Card XXXX XXXX XXXX XXXX”.


>An ICICI Bank cheque will take 3 days to clear; a non-ICICI-Bank cheque will take 5 days.
>
>Please drop your cheques/drafts well in advance to avoid any late payment charge and interest charge. You may keep the date of the cheques/drafts as the Statement Due Date.

Sincerely,

Ramlal Mithra
Customer Service Manager
ICICI Bank Limited.
ICICI Bank voted the 'Most Trusted Brand' among private sector banks in 2010 by the Economic Times-Brand Equity Most Trusted Brand Awards.
"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 ofwww.icicibank.com.
>
CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
-----Original Message-----
>From: Rajesh Malik ([protected]@rediffmail.com)
>Date: Tuesday, September 28, 2010 05:22 PM
>To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
>Subject: Re: RE: Fw: Re: SETTLEMENT LETTER for Card no [protected]
I tried to pay 5045 as advised by you online but system shows that credit card account closed. Please advise someone to collect cheque from me.
>Regards
>
>Rajesh Malik
>
>On Tue, 28 Sep 2010 16:45:42 +0530 wrote
>>
Dear Mr.Malik,
We inform you that as we have not received the payment according to the statement your bank account is blocked.
The amount of Rs.129,368.00 is blocked according to the outstanding on September 02,2010.
However statement is generated on September 07,2010 and financial charges are levied as we have not received the payment.
We would not be able to reverse the charges and request you to make the complete payment and write back to us for the no due letter.
Sincerely,
Ramlal Mithra
Customer Service 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 ofwww.icicibank.com.
>>
CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
-----Original Message-----
>>From: Rajesh Malik ([protected]@rediffmail.com)
>>Date: Friday, September 24, 2010 03:08 PM
>>To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
>>Subject: Re: RE: Fw: Re: SETTLEMENT LETTER for Card no [protected]

>>You have blocked my money from 2nd Sept due to that I couldn't make payment. How can you ask payment for that days. Now you are forcing me to go legal against you. How can I make payment when you have blocked my account.
>>Please give NOC without any delay.
>>
>>Rajesh Malik
>>
>>On Fri, 24 Sep 2010 14:33:14 +0530 wrote
>>>
Dear Mr.Malik,
We inform you that the amount of Rs.129,368.00 has been debited from the bank account on September 23,2010.
The current outstanding balance is Rs.5,044.14 as on September 24,2010.
We request you to make the payment and write back to us to register a request for the no due letter.
Sincerely,
Ramlal Mithra
Customer Service 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 ofwww.icicibank.com.
>>>
CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
-----Original Message-----
>>>From: Rajesh Malik ([protected]@rediffmail.com)
>>>Date: Friday, September 24, 2010 01:15 PM
>>>To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
>>>Subject: Fw: Re: RE: Fw: Re: SETTLEMENT LETTER for Card no [protected]
Dear,
>>>Finally you have debited 1.3 Lac from my account. I request you to please give me the letter of debited amount along with NOC of credit card. Also ensure CIBIL is clear as you have recovered exceeded amount.
>>>As soon as I receive NOC letter from you I will close my account with you.
>>>Please provide me the required doc with in a week time otherwise I will go legal as you have hareshed me a lot & I don't want further Harassment.
>>>Regards
>>>
>>>Rajesh Malik
>>>
>>>Note: Forwarded message attached
>>>
>>>-- Original Message --
>>>
>>>From: "Rajesh Malik"[protected]@rediffmail.com
>>>To: customer.[protected]@icicibank.com
>>>Subject: Re: RE:'ICICICARE=[protected]' Fw: Re: SETTLEMENT LETTER for Card no [protected]
>>>




Regards

Rajesh Malik

I have signed a home loan with ICICI Home Finance Limited in 2008. I'm unable to continue the loan anymore due to financial constraints. I've written and begged their management for the closure with no luck. The property is in Sainikpuri, Hyderabad and I work in Bangalore. Please see the below email thread and PLEASE help me in getting rid of this loan.

[protected][protected][protected][protected]----
RE:'ICICICARE=[protected]' Closure request for
ICICIHFL A/C # NHHYD[protected]
2 messages
Jenish Shah <senior.[protected]@icicibank.com>
To: Alok Kundu <k.[protected]@gmail.com>
Wed, Sep 15, 2010 at 5:58 PM

Dear Mr. Kundu,
We refer to your e-mail of September 12, 2010 addressed to Senior Management regarding your Home
Loan Account.
We are looking into the concerns raised by you and will respond to you on or before September 20, 2010.
Thanking you for writing to us.
Sincerely,
Jenish Shah
Manager – Senior Management Desk

-----Original Message-----
From: Alok Kundu (k.[protected]@gmail.com)
Date: Sunday, September 12, 2010 10:17 AM
To: anita.[protected]@icicibank.com (anita.[protected]@icicibank.com); shiva.[protected]@icicibank.com
(shiva.[protected]@icicibank.com); [protected]@icicibank.com
([protected]@icicibank.com); customer.[protected]@icicibank.com
(customer.[protected]@icicibank.com); [protected]@icicibank.com
([protected]@icicibank.com); [protected]@icicibank.com
([protected]@icicibank.com); [protected]@icicibank.com
([protected]@icicibank.com); customer.[protected]@icicihfc.com (customer.[protected]@icicihfc.com)
Cc: ravi.[protected]@icici.com (ravi.[protected]@icici.com); david.[protected]@icicibank.com
(david.[protected]@icicibank.com)
Subject: Closure request for ICICIHFL A/C # NHHYD[protected]

Hello Anita & The Mgmt,
It’s a desperate email with a hope to seek some assurance in closing this house loan.
Loan Account Number # NHHYD[protected]
Borrower Name # Alok Kumar Kundu
Borrower Contact # +91 [protected]
Alternate Contact # +91 [protected]
With deepest regret, I want to inform that I’m unable to continue this Home Loan. I’m in terrible financial crisis since
2008. At the time of availing loan, my company had promised a hike in Dec'08 which didn't happen. Even 2009 and
2010 are going without any financial aid that can help me re-paying such a huge installments every month.
I have taken multiple personal loans (ING VYSYSA PL[protected]; Local Financiers, Muthoot Finance Limited,
VMware Personal Loan) periodically to run the installments and have been paying the House Loan EMIs till February
2010 and now it’s all over.
Our combined income (my wife’s and I) were 32K+8K = 40,000.00 Rs monthly at the time of availing this loan and
our Hose Loan EMI came around 30,000.00 Rs.(later which varied between 29.x to 27.x ). I had hopes for something
better this year but there isn’t any financial improvement and on top of that my spouse lost her project in October’09.
With great difficulty we are somehow managing to survive in this over-priced expensive city, Bangalore.
Ever since I stopped making payments, I am in lookout for buyers but I’d admit that I don’t have that striking
SELLING skills to convince a customer for a final deal. There were over 10 customers till now and their range were
somewhere between 22 to 26 lakhs. Hyderabad market is picking up fast and so is the property value now.
I’ve been to your Bank in Bangalore and have been requesting for a closure but all I get is a statement, “Bank has
done favor to you” which I disagree. I was pushed hard looking out for a buyer, which I did and my father should
have those contact details whom I failed to convince and they walked out from the deal. Mr. Ravi did show interest in
closing the loan on a condition where I’ll need to pay around Rs. 4,00,000.00 to the bank. He isn’t ready to consider
the EMIs that I’ve paid for so long. I’m struggling for survival here and I don’t have any resources to get money from.
It was a deal between the Bank & I which I tried hard/pushed myself to the extreme to abide but I failed. Having said
that, I am not requesting for the property. All I request the Bank is, to seize the property and consider my so far paid
EMIs towards final settlement.
I am exhausted and undergoing heavy mental distress. I request the Bank for a compromise and freeing me out of
this horrifying monster installments.
This is a desperate call – please assist!
Regards,
Alok.
Bangalore.

[protected][protected][protected][protected]----

<<EmbeddedMsg0.html>>
Jenish Shah <senior.[protected]@icicibank.com>
To: Alok Kundu <k.[protected]@gmail.com>
Mon, Sep 20, 2010 at 3:26 PM

Dear Mr. Kundu,
We refer to your e-mail of September 12, 2010 addressed to Senior Management regarding your Home
Loan Account.
You have approached us for a financial assistance for a sum of Rs. 26,60,823 and the same was disbursed
to you in 2008 - vide Loan Agreement No. NHHYD[protected].
At the time of availing the Loan, you were fully aware of rate of interest, tenure of the Loan, Equated
monthly installment along with other details as the same were clearly explained to you besides being part of
the loan agreement. Based on the same, a Loan agreement was executed by you. In terms of the loan
agreement, you had agreed to make timely & regular repayment of loan installments which is the essence
of the contract.
As per the attached statement of account, we find that you have not made the EMI payments from March
2010 and the total outstanding including EMI overdue of Rs. 1,85,682 & other overdue charges of
Rs.10,488 is payable by you. We understand that our officials are following up with you for the payment
but the same is not received from your end owing to financial constraint. We request you to arrange
payment against the outstanding reflecting in your loan account.
We understand that you are in touch with our official Mr. Ravi K and request you to approach our bank
officials in case you need any further assistance on the issue.
[protected][protected][protected][protected]----

I had taken loan of Rs.350000 on December 2007 ( loan a/c no. [protected])

1. I was paying EMI of Rs. 11000 every month and in June 2009 i called the customer service in order to pre close my loan account.
2. I was told by the executive that i cannot preclose this loan account. I then reminded him that i am previleged to preclose with paying 3% on the balance principal. He told me that he will revert back.
3. I was not contacted for almost 20days, so i gave a call back again and spoke to another executive and he informed me that he will have it processed and will let me know the principal amount, but i should make a part payment now and they will adjust and they will send me the detailed statement
4. So on 01 July 2009, i made a part pay of Rs.90000. And i did not get any detailed statement
5. Followed up couple of times and unfortunately they do not provide me any reference nos for making that call
6. They went on deducting monthly EMI from that Rs.90000 instead of taking this as a prepayment
7. This is when i decided that i will not respond to them anymore, but in October their executives called and pressurised, so i made the October month EMI payment with the condition they will send me details of principal. But no response and i did not respond again.
8. They started calling me again in May 2010 and pressurised for money, so i narrated my story again and demanded for my right of knowing the principal balance.
9. The executive Mr.Shriram Ramesh asked me to make EMI payment for April and that he promised to send me the detailed statement
10.: I affected payment of Rs.10000 immediately on 06 May 2010
11. I then received an email from Mr.Shriram Ramesh showing Rs.165495 as balance .
12.I got furious, i said as per my records i have effected payment of Rs. 394485.74 ( i sent the attached details to him ) and asked him to respond back with exact amount of prinicpal amount balance. He then asked me for my telephone no, so that he can ask his executive to give me a call
PLEASE NOTE, TEHY DID NOT WANT TO SEND IN WRITTING, i was not averse to talking i sent my details..... NO ONE CALLED
13.: I again followed up in July ....NO RESPONSE
14. Then in October ( this month ) they started following up and almost harassingly. I told their Manager Mr.Kripal that i am ready to pay, but as a consumer i have every right to know my principal balance. They kind of dodged me from telling or sending me the exact details, but one Mr.Pathak sent me a mail on 06 October that my balance is Rs.40530
15.: All the time before that when executives were calling up, they were saying Rs.1 Lakh is balance, another time they said Rs.80000 is balance and i also received the sms stating Pay Rs.50000 immediately
16. I was shocked to see the repeated unprofessional attitude from the bank i have trusted for 10years with every product of theirs ( Savings / Credit card / Investments / Insurance ) and sensed some thing fishy about these.
17.: Even more atrocious they swiped out Rs.40036 from my savings bank account

I realize this is a way to make more money out of interest and not allow us to pre close

PS : I just realized i cannot attach a non jpg, png, gif file, if anyone is interested in the details, am ready to send that by email

My email id is : [protected]@gmail.com

Dear Sir,

I am a customer of ICICI Bank and had a loan account SADEL[protected] which I cleared on August 31, 2009 when an agency approached me with an offer letter of settling my account in full and final settlement.
After clearing my account I started receiving calls and executives visiting my house creating an unnecessary harrassment for paying more money which to me was already cleared.

As a customer who intended to pay and had paid full amount I tried making them call there seniors and give the copies of the receipts (attached herewith) to finally settle at their end, But this harrassment continued from difefrent branches and Sales Managers of ICICI Loan Department to mention Ms. Sonia and Ms. Bharati. I gave several photocopies to their executives visiting my place for clearing at there end.

I along with my husband visited Videocon Towers they clearly clarified that the documents were genuine and they stand as final payment against the offer letter I received and no amount is due to me as the money in the offer letter was already cleared and paid.

To my surprise and shock, when I tried withdrawing some money from my saving account for some medical emergency in my family, my account showed me a debit balance of Rs.15423 where in I hold no Overdraft on this account. I visited the I P Extension branch of ICICI Bank after having a chat with Ms.Monika Gupta (Deputy Branch Manager) I got to know that a lien has been marked on my account against the mentioned loan.

Would request you to please guide me and help me of this unnecessary harassment from ICICI Bank.

Looking forward to your cooperation.

Await help

Manameet Mathur
[protected]
A CUSTOMER DISTRESSED AND HARASSED

0n[protected],while checking the bal the macine debited an Amt of Rs 3500/- from my a/c whereas no money was withdrawn rather not even requested!
the details:

Bank Home Br. SBI, Main Br, LIC Building , Chawani, Kota (Rajasthan)
sbi a/c no. [protected]
sbi br code: 01534
card no.[protected]
sbi cif no. [protected]
phone no. [protected], [protected], [protected], [protected],
sbi email: sbi.[protected]@sbi.co.in
toll free[protected]

sbi customer care complaint no.:AT[protected] [protected]

Yet not rectified

ATM Slip detail: ICICI/ UCIL/ TMD/ 13:29 PM ATM ID sia no. 234, BAL. INQUIRY, SAVING,
Card no+++++++++3091
a/c no ++++++++++4821
TXN No. 7842

Dear Sir,

I bring to your kind notice that a sum of Rs.5000/- debited in our credit card account on 11/05/2010. Immediately the very next day when I came to know I had lodged a compliant in ICICI Bank, through email & over phone. ICICI Bank confirmed that they are investigating the matter, after two months they told matter went in favour of bank and provided the details of debit entries given below. I had filed an FIR with police station and submitted copy to ICICI Bank.

My card number : [protected]
Name : A. VENKATESAN
Payments made to following companies through my credit card as confirmed by ICICI Bank.
Oxigen Infovision Pvt. Ltd. Mumbai - Rs.1000-00
Reliance Infocomm Limited, Navi Mumbai - Rs.2000-00
Vodafone Payments - Mumbai Rs.2000-00
Transaction Date : 11/05/2010
* Transaction Amount : Rs.1000+Rs.2000+Rs.2000=Total Rs.5000-00
* Details of the dispute : Rs.5000-00 transaction not incurred by me
* Type of Dispute : Amounts mis-used through on line transaction

The scan copy is attached here with for your ready reference to resolve the matter. ICICI Bank had blocked my salary account with ICICI bank for Rs.8605/- Rs.5000+ 3605 = Total Rs.8605 including interest & taxes etc.

Sir, as a salaried class person I cannot afford such a huge penalty levied by ICICI Bank blocking my salary account.

Please help me do the needful.

Thanking you

A. VENKATESAN
C-160 Ground Floor
Sector-16, ROHINI
Delhi-110015

On 9th March 2010 I withdrew Rs 3,800/-(Three Thousand Eight Hundred Rupees) through ICICI ATM from Navketan SD Road Secunderabad at 11.05 AM. After inserting my ATM Card, pin no & withdrawal Amount , the machine processed normally but a error message came indicating “ The transaction not done successful” Then neither the cash nor slip came.

I went to another machine of the same branch and withdraw Rs 3500/- (Three thousand five hundred) at 11.06 a.m. The transaction was done successfully.

I thought the first transaction was cancelled but when I checked my mini statement on next day ,both the transaction amount were deducted from my account.

On 10th March I complained to ICICI customer care (1st Complain No[protected].They took 7 days for the process and gave unsatisfactory reply . I went to (ATM - Navketan SD Road) branch manager as well as my own branch manager. They did not give proper response to me. I filled second complain for the same on 17th March 2010 (2nd complain: - SR[protected]. After 7 days again I got a inappropriate replay from them. I went o my Branch Manager for third complain. In the beginning he was refuse to take the complain but later he took my written complain and taken 7 days for process. He asked me to make a complain with the banking ombudsman, if i want and refused to process my request.

It is nothing but it is amounted to physical and mental harassment to customer . Please do the need as soon as possible for me. Otherwise I will be left with no other recourse, except to approach appropriate redressal forums including the banking ombudsman and consumer forum
Thanks & regards

This is to state that Cheque No 793776 dated 21.09.2010 for Rs.4790.00 drawn on Axis Bank Ltd, M G Road, Bangalore-1 in favour of "ICICI Credit card No [protected]" was dropped on 21.09.2010 at Old Airport Road's Skypack Box (Behind Rajeshwari Theatre).

Regret to state that it is still not cleared as on date. I request you to kindly look into the matter as I would not be able to pay the late payment fee as I have dropped the Cheque much before the Due date.

Awaiting an early response.

Regards,

Urmila Anand
Mob: 91-[protected]

Service Request no.[protected]. Debit Ag. R126603, Mid 21040021, TID 10004988.
We have ICICI POS terminal. One of our payment of Rs. 15000/- was charged bank by icici upon providing the needed documents.
The complaint was raised on 15/01/2010 at all the level of bank but till date there has not been any respone from the bank.
Please provide us help on how to get solution over this matter.

Thanks

Shailesh Shah

I have been visiting the ICICI Bank Home Loan branch at Nariman point since 3 years and have seen the service go from Bad to Worse to THE WORST EVER. Today on 6th october 2010, I visited the branch entering at 1.42 pm ( Service request number CL 147). As i awaited my turn I observed for almost 15 minutes all counters were free but the numbers on the electronic board were unchanged. No Branch Manager. When asked who was next in charge the watchman directed me to one staff ms.NAMITA RAJ. The other one who I have dealt with on earlier occasions ms. PARVINDER BAWA simply chose to leave her place and walk around. Ms Raj took my case and before giving me a response within few minutes asked another customer who was standing to take the other seat in front of Ms Bawa, who had still not returned. This customer had walked in full 21 minutes after me ( CL 157 time 2.03pm). I was shocked that she called another customer randomly without even attending to the first one leave alone finishing.
When asked why she hadn't given me a reply for a long time I was told the systems were slow. If they were so slow how come she was able to simultanoeusly look up 2 accounts at the same time on the same machine ( ms Bawa's) as she was able to give the reply to the other customer and give details to the other customer with me sitting under the pretext of a slow system.
Finally she took my pre-payment cheque and gave me partial details of what I had asked, the amount for foreclosure and was unable to give me the amount for downward readjustment of the Interest rate. I decided to leave in DISGUST rather than waste more time there. Finally ended up coming out of the branch at 250 pm over one hour of frustration with the worst service.

ICICI Bank had better sit up and take notice. If the Service at other branches is anything like this they woudnt have too many customers left to service. I for sure will never bank with ICICI Bank in any way in future. They would certainly qualify for the WORST SERVICE AWARD.

FROM
GEORGE OAKES LIMITED
HYDERABAD

Office Mobile No:[protected] & Land Line Nos:[protected], 24605380

We are getting regular calls & SMS from ICICI Bank regarding asking for the person Mr.K.S.R. Anjaneyulu and we are informing them that, he was left from this company 2 1/2 years back. Even after informing them repeatedly we are getting these call every time since last 2 years and till today.

We give below the phone nos. which we are getting calls from them for your reference.

Phone No: 1) [protected]
[protected]
[protected]

Please arrange to restrict and take necessary action on them.

Your immediate action will be highly appreciated in this regard,

With regards,
P.J. SARMA
GEORGE OAKES LIMITED
HYDERABAD BRANCH

I went to ICICI Bank to update my address and contact details. they suggested me to transfer the account at drive in road branch and within two working day they will transfer my account and update my contact details.

My account has been transferred but they have not updated my contact details, due to which i am unable to use add beneficiary in net banking. i went to their branch twice to get the detail but no proper response from them. i have tried reaching on the contact no provided by them but even no response on that.

Please look into this on urgent basis.

I had issued a post dated cheque of Rs 10000, dated 1st Oct'10. But the cheque was submitted by the beneficiary to his bank on 18th Sep'10.

on account of his mistake cheque bounce charges were deducted from my saving account which is with ICICI , senapati bapad road, Pune Branch.

I tried calling the customer care department on 3rd oct'10 but didnt get any positive response.

How can the bank deduct the money my account for a mistake commited by somebody else.

Regards,
Jasneet Singh Anand
+91 [protected]
Pune-411005

ICICI Home Finance Fixed Deposit Complaints - Irregularity in depositing Qtrly Interest to Savings Account
View all ICICI Home Finance Fixed Deposit complaints

ICICI Home Finance Fixed Deposit

Location: West Bengal, India


Posted:[protected] by PKC Send email



Irregularity in depositing Qtrly Interest to Savings Account
From: Prabhat Kumar Chatterjee <[protected]@yahoo.in>
Subject: Iregularity in depositing Qtrly Intt & Shifting of documents without any knowledge
To: "ICICI Customer Care" <customer.[protected]@icicibank.com>
Cc: "Prakash Sharma" <prakash.[protected]@icicihfc.com>, [protected]@gmail.com
Date: Wednesday, 29 September, 2010, 5:59 AM


ICICI Customer Care-Attention Mr Murli-TelNo[protected],Mumbai Office,ICICI or other Suitable Dealing Executive who may solve my Problem.

Dear Sir,
This is to bring to your kind notice that we had made Invested in ICICI Home Finace FD as below:
Investment was made for Rs8.0Lakh+ Rs 7.0Lakh i.e Rs 15.0Lakh in your ICICI Home Finance FD for 30 months as per details given below:
1. Shibani Chatterjee & P.K.Chatterjee(Nominee,Jaideep Chatterjee)-FD Certificate No[protected]/75/72 for Rs 3.0Lakh+Rs50.000+Rs50,000 i.e Total Rs 4.0 Lakh w.e.f 28-07-09 & also Rs2.0Lakh+Rs2.0Lakh i.e Total Rs 4.0 Lakh,FD Cert No,[protected]/77 w.e.f 12-08-09 @ of 8.55% annual rate of Intt with the option of depositing Intt in saving A/C No (Also given MICR No)
Qtrly Intt was deposited for QE 30-09-09, QE Mar-10(With TDS although Form 15G & PAN No furnished) after long time & after lot of discussion & follow up from my side & by the intervention of Mr Murli as above for QE 30-09-09.

2.Mala Chatterjee & P.K.Chatterjee(Nominee,Jaideep Chatterjee)-FD Certificate No[protected]/65/66/68 for Rs 4.0Lakh i.e Total Rs 4.0 Lakh w.e.f 28-07-09 & also Rs1.0Lakh+Rs2.0Lakh i.e Total Rs 3.0 Lakh,FD Cert No,[protected]/86 w.e.f 12-08-09 @ of 8.55% annual rate of Intt with the option of depositing Intt in saving A/C (Also given MICR No )-- Qtrly Intt was deposited for QE 30-09-09, QE Mar-1(With TDS although Form 15G & PAN No furnished) after long time & after lot of discussion & follow up from my side & by the intervention of Mr Murli as above for QE 30-09-09.

I have further complaints as below:
i) TDS was deducted for Intt QEMar-10 although I had deposited Form 15G & PAN No to Mr Prakash Sharma,Area operation Manager of ICICI HFC Ltd,228 AJC Bose Road,Land Mark Building,Kolkata (PH No[protected]/40090801/[protected]-Sri P-Sharma) for which receipt was also given.
ii) While I am trying to talk to Mr Sharma he is not attending my Phone. Kindly advise so that last TDS deducted for QE-Mar-10 is refunded & Intt for QE-Sept-10 must be deposited without any TDS.
iii) I have also come to know although my FD documents were with AJC Bose Office as above but now all my documents have been shifted to some other place without any knowledge & intimation to us.
iv) Kindly resolve my issues otherwise I have to take Legal recourse & shall also stop EMI deduction for our Home Loan from ICICI as a preventive step.So long I have coperated but ICICI Home Fin FD is really playing a truant.
Pl reply to my mail & over phone as well & further advise AJC bose Office to keep us apprised about all such developments.
With Regds,
P.K.Chatterjee
M-[protected]
Flat No-D-3,Block-'C',Meena Green A[partment,
Kaikhali,Chiria More,
Kol-700136
PH-Res[protected]


NB; Pl note even my Intt due on 30-09-10 has not been credited to my A/C & nobody i.e call centre no [protected](Kolkata) at kolkata or [protected](Mumbai) is attending to my complaint.Some serious action needed to stop ICICI in their such negative attitude & for playing with the public money. Even today I am not able the where about of my document because Kolkata Office & Mr P Sharma Area Operation Manager ICICI,AJC Bose Road is not responding to my phone calls.

SIR,
My ATM card whixh was valid from 10/04 through 09/07 had been expired an di have not recieved a fresh ATM card.
i had posted an application also to ICICI bank sector-15 branch of Faridabad, Haryana but i got no response from their side.

i want a fresh card as early as possible.

Respected sir.

I am maintaining saving account in ICICI bank since 2006. Recently bank has deducted Rs150 as ANW charges & Rs 15 S-tax from my account without my knowledge. So far Rs.495 have been deducted like this. I am very much disappointed by this. Kindly get my money back. If this is way bank will perform then soon there loyal customer will start change there bank.

My Name santosh i dont have icici creditcard
but with the same name and same date of birth their another person he is using. But icici bank bloked my money regarding this other person card issue. when i came to know i have submitted my pancard they released my money but still i am facing problem i am not getting any loans. Reason is my name is in SIBIL. regarding icici card defaulter please do the need full to rectify this problem. MY Name is M.Santosh Date of Birth is[protected].

The bank is calling me and my relatives and harrasing them for credit card payment.
the phone number they are calling from is[protected], name is Praveen.He is misbehaving and abusing to the family and freinds for the payment. This is all against RBI norms. I want to make a complain against them.
Expecting an action against the agency.

Hi Mr.K.V Kamath,
Since last month your so called international bank has rejected my loan and till date not stated valid reason as this is my 1st loan and i am having salary a/c with ICICI BANK...kindly go through the discussion between head quality service on mail send to me.
Hi Jenish,

From the last month I am asking you people why my loan application has been rejected though I am a privilege customer of I-BANK...having my salary account in your bank,CTC of 3.80 lakhs and experience of almost 2 yrs...people with 1 year exp from my firm had been offered loan...why my loan application had been rejected...this is my first loan..i have not taken any loan before in my life and being a customer of ICICI BANK for so long i have every right to ask you...OR ELSE I HAVE TO TAKE LEGAL ACTION AGAINST YOU...
Kindly go through complete mail below and give me clarification.
Its still a request to sanction loan on my name to keep our relation of 2 years intact in future...

And about my husband he is not a defaulter its just a bad phase of life where he became financially week at that period of time which can happen to anybody in this world...now we are two earning people with CTC of 7 lakh p/a jointly and the loan of 15 lakhs(EMI-13500) is possible without a stress ...you people cannot judge a person on the basis of just 1 loan..

I AM ASKING YOU JINESH SHAH... IF YOU HAD LOST A JOB DURING RECESSION AND CANNOT FIND ONE FOR 12 TO 15 MONTHS..HOW U WILL PAY YOUR HOME LOAN? IF YOU ARE THE ONLY EARNING PERSON OF FAMILY WHAT WILL YOU DO?
1)TAKE CARE OF YOUR FAMILY OR
2) PAY EMI OF YOUR HOME LOAN.
and what will you do if a bank tagged you DEFAULTER? You are destroyed as you will not get loan from any financial institution.
if you are not a DEFAULTER...you too like my husband fight for your rights...

My husband is not a criminal to get easy money...HE IS A DEFENCE EMPLOYEE SERVING THE NATION...
WE CANNOT BUY A HOUSE WITHOUT A LOAN.
So kindly understand the problem a common man is facing..

THERE ARE ONLY TWO WAY TO CLEAR CREDIT HISTORY IN CIBIL.
1)to remove his name from CIBIL.
2)Or ICICI BANK(institution who entered the name in CIBIL) should provide him a loan so by paying this loan regularly he can be back on track in his credit history in CIBIL.

Expecting a positive response from you as early as possible cause time is running out of our hands we will be homeless in few days .

Thanks & Regards
Anuradha kazi
[protected]
From: anuradha.[protected]@live.com
To: [protected]@icicibank.com
CC: kamath.[protected]@icicibank.com; chanda.[protected]@icicibank.com; [protected]@rbi.org.in; [protected]@aajtak.com; [protected]@vsnl.net; [protected]@moneycontrol.com; [protected]@zeenetwork.com; [protected]@indiatvnews.com
Subject: RE: 'ICICICARE=[protected]' ICICI BANK LOANS
Date: Mon, 27 Sep 2010 10:13:25 +0530



Hi All,

It has been nearly 3 days that I have not got any response from your side. Kindly reply me as soon as possible.
So that it will be helpful for me to move a step further on this.

Thanks & Regards,
Anuradha Singh

From: anuradha.[protected]@live.com
To: [protected]@icicibank.com
CC: kamath.[protected]@icicibank.com; chanda.[protected]@icicibank.com; [protected]@rbi.org.in; [protected]@aajtak.com; [protected]@vsnl.net; [protected]@moneycontrol.com; [protected]@zeenetwork.com; [protected]@indiatvnews.com
Subject: RE: 'ICICICARE=[protected]' ICICI BANK LOANS
Date: Fri, 24 Sep 2010 00:15:32 +0530

Hi All,

Kindly explain me in detail the points which you have mentioned me.
1 & 4. I am eligible for the loan from any bank including ICICI Bank (I have nearly two years of experience and the salary package of 3.5 lacs p.a. The salary A/C with your bank.).
2 & 3. As I mentioned you earlier I have never taken loan before in my life so kindly clear me the credit facility and past borrowings.
5. Can you give me in writing what is your regulatory and statutory provisions?

If not sanctioned the loan on my name then I have to take a legal action against this.


Dear Media,

Need you intervention to help me out from this... Now I paid the initial amount for my flat and also did the registration and now i am suffering to get a loan...
Please help me as Banking ombudsman is not taking this seriously after keeping her in loop there is no use.

i hope you will understand the concern.

Thanks & Regards,
Anuradha Singh

Date: Thu, 23 Sep 2010 20:08:00 +0530
From: [protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' ICICI BANK LOANS
To: anuradha.[protected]@LIVE.COM

Dear Mrs. Kazi,

We acknowledge receipt of your e-mail of September 23, 2010 addressed to Mr. Kamath K.V regarding your Home Loan Account LBMUM[protected] and New Loan Application.

We wish to inform you that Bank has evaluated the loan application on following aspects:

1. Eligibility criteria of ICICI Bank
2. Viability of proposed purposes of the credit facility
3. Past borrowings of the applicants
4. Prior experience of the applicant in respect of the proposed purposes
5. Regulatory and statutory provisions governing ICICI Bank

Based on the above and the information provided by you, we are unable to offer you a loan. However, please note that our inability to offer you a loan does not in anyway reflect on your credit worthiness.

Sincerely,

Ashish Joshi

Office of Head Service Quality



CONFIDENTIALITY INFORMATION AND DISCLAIMER
This e-mail message may contain confidential, proprietary or legally privileged information. The e-mail should not be accessed by anyone who is not the original intended recipient. If you have received this message erroneously, please delete it immediately and notify the sender. E-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, alteration, destruction, etc. Before opening any attachments, please check them for viruses and defects. The notice appended to our e-mails is not intended to prejudice the interests of our customers in any manner or to evade our responsibility for any act of omission or commission done with the endorsement of ICICI Bank Limited





From: anu kazi [mailto:anuradha.[protected]@live.com]
Sent: Thursday, September 23, 2010 12:14 PM
To: HEADSERVICEQUALITY /RCSG/IBANK/BKC
Cc: [protected]@rbi.org.in; Kamath K. V. /CORPORATE/IBANK/BKC; Chanda Kochhar /CORP/IBANK/BKC; Aswini Gouda /MPARG/IBANK/GHTK
Subject: RE: 'ICICICARE=[protected]' ICICI BANK LOANS

Hi All,

Kindly let me know the reason that why my loan(ref no.[protected]) is not being sanctioned yet? Eventhough I am the privileged customer of the so called "ICICI Bank" from the start of my career. This was my very first loan which I wanted to take from your bank but you people are telling that I cannot take loan. Only the reason stated to me is that my husband had failed to pay EMI'S on time. But remember he has not defaulted you people and the other stated reason is the eligibility criteria. On the other side, I am the main applicant and not my husband. If you want then you can trace the past bank statements and see I was not at all having minimum balance then Rs.10000/-.On the basis of my salary i am eligible for atleast 14 lakhs.Is this the way to treat your privileged customer who is having not 1 but 2 salary account with the ICICI BANK from the past 19 months.

I have seen around that your bank has provided the loan for the people having only one year of experience. Then why I am not getting the loan?
Eventhough I have not defaulted then also I not getting loan from your bank.

That means you people are treating me as a defaulter.

Kindly look into this issue seriously and revert me back as soon as possible cause i will be homeless within a week.

Thanks & Regards,
Anuradha
[protected]
Date: Thu, 9 Sep 2010 19:33:59 +0530
From: [protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' ICICI BANK LOANS
To: ravish.[protected]@live.com
CC: anuradha.[protected]@live.com

Dear Mr. Kazi,

We acknowledge receipt of your e-mail of September 8, 2010 addressed to Mr. Kamath K.V regarding your Home Loan Account LBMUM[protected] and New Loan Application.

The complaint has been registered vide Service Reference Number SR[protected].

We understand that you have the following complaint :

a. Clarifications regarding the CIBIL records
b. Processing of loan application.

We are looking into the request and will revert to you on or before September 30, 2010.

Sincerely,

Ashish Joshi

Office of Head Service Quality



CONFIDENTIALITY INFORMATION AND DISCLAIMER
This e-mail message may contain confidential, proprietary or legally privileged information. The e-mail should not be accessed by anyone who is not the original intended recipient. If you have received this message erroneously, please delete it immediately and notify the sender. E-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, alteration, destruction, etc. Before opening any attachments, please check them for viruses and defects. The notice appended to our e-mails is not intended to prejudice the interests of our customers in any manner or to evade our responsibility for any act of omission or commission done with the endorsement of ICICI Bank Limited






From: Ravish Kazi [mailto:ravish.[protected]@live.com]
Sent: Wednesday, September 08, 2010 10:36 PM
To: head.[protected]@icicibank.com
Cc: Kamath K. V. /CORPORATE/IBANK/BKC; Chanda Kochhar /CORP/IBANK/BKC
Subject: Imp: Query for my name in CBill and sanction of another home loan.
Importance: High

Hello,

I was ICICI Bank home loan customer(LAN No:LBMUM[protected]). I have already paid my pending loan amount within 5 years which I had taken for 20 years. The date on which I had paid the loan amount is 08/07/2010.

To my shock when my wife applied for a home loan(Ref No:[protected] on 04/09/2010, with me as a co-applicant I came to know that my name still exists in CBill. Even though I have already cleared my dues. This was not expected from such a prestigious bank like ICICI BANK. We are genuine customer of ICICI Bank. The details of accounts in ICICI Bank are as follows:
1. A/C No:[protected]. Branch: Infosys Pune, Ph-2. Banking since 09/02/2009. Status: Salary account.
2. A/C No:[protected]. Branch: Vikhroli(W). Banking since 20/08/2010. Status: Salary account.

I had few queries:
1. If I had paid my loan then why my name still exists in CBill?
2. Being just a co-applicant why my wife's home loan is not being sanctioned yet?
3. My wife has salary account then why you are not considering that and taking time for sanctioning the loan?

Firstly, I want a strict action for my name in CBill. It should be removed as soon as possible because I have cleared the dues.
Secondly, I need an assurance that when my wife's home loan will be sanctioned as going through past banking records of her.
Kindly sanction my wife's home loan as we have registered the flat as per the instructions given by your executive.
Kindly intimate me the action taken by you through mail as soon as possible.

Regards,
Ravish Kazi.

Dear Sir
I had transfered Rs 40000/- through netbanking from my ICICI bank Account[protected] to BOB account No[protected] on 11 August 2010. But the money hasn't transfered to the beneficiary. I have been keep on talking to the ICICI customer care as well as the bank manager. THERE IS NO RESPONSE.
The BOB people has checked their bank suspense account, they declared there was no money credited.
Its very long pending, i want your personal intervention to clear the issue.
Regards
Gurusamy TA
[protected]