ICICI Bank Complaints & Reviews

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]

Dear Sir,

I have a savings Account holder in ICICI bank in South masi St, Madurai, Tamil nadu. Un known person transferred money Rs: 27410/- from my account (ICICI Bank Acc No:[protected] to his ICICI account without my knowledge on 12/10/2010. 12th date all transaction done by victim.

I have more aware of my customer id and password. I don’t know how he did thief my customer id, password, transaction password details from ICICI bank website.

I got two SMS on 12/10/10 from ICICI bank. Victim spoke with me as a ICICI customer care. He asked (he spoke through this number [protected]) URN number, URN number given by me.

I have complained to ICICI bank, they gave Service Request No (SR):[protected]
But ICICI bank gave some details regarding victims.
• He is a north Indian in Mumbai.
• His name patial (I don’t know full name )
• His personal mobile no: [protected].
• He is a ICICI bank account holder.
• He recharged his mobile number in my account.

ICICI bank sent mail to complain to police and bank asks complained copy also.
I am a middle class family. My daily life is going critically after losing money. I hope you will capture this person to get my money.

Thanking you
Note: here with attached my account statement from

Yours faith fully
R. saravanakumar.

Dear Sir,i have got an credit card from icici bank card no:[protected] under the name of ARUCHAMY MOORTHY,
ADRESS:tech media ,no:51,
60feet road,jg nagar,
tirupur-641602.
cus id:3561695

am using the credit card for longer term and i availed lots of benefit,meanwhile due to the mischief of an employee i have lost rs,10000 towards an icicpru policy on 30/01/2008 but i did not authorised to do that and i dint received any document too but debited notice came from ICICI BANK am contact customer care and launched conmplaint near about 15 times but there is no response complaint SR63219846 ON 17/04/2008 till now my account dsnt get the reversal of rs 10000,but they are added me in CBIL pls kindly help me reverse my amount and release me from CBIL,.

Thanks&Regards,
ARUCHAMY MOORTHY
+[protected]

Hi sir,

This is Arpana Pathi from Bangalore. I have been a victim of ICICI Credit card department. Due to some monetory issues i was not able to clear my ICICI credit card dues. Later last month on[protected], a person called me at 10:30 AM saying he is from legal department and some police might come to arrest me if i did not pay my total outstanding due of 29,300/- and asked me to make the payment by 12:00 PM the very same day. I was scared and sold my jewels to get the required money (as i did not have that amount at that time). He did not even show mercy and didnt even give me 24hrs to arrange for the amount. being a lady, i was scared and arranged for the money. and asked my husband to make the payment at the whitefield branch ICICI bank and send the scan copy of the receipt to the mail id's told by the legal department executive. Aftr which i immediately called the ICICi customer care and informed them about the same and they told me that i would receive the final settlement letter within 10working days which i did not recieve even after one month. That legal department official also assured me that i would receive no-due certificate and my name will be cancelled from CIBIL within 45 days which i did not receive and that person's mobile number is out of order/disconnected! today when i call to icici cust care to follow-up on my final settlement, they are saying that its not updated on the database, and that i need to go to some bommanahalli icici branch and ask for the final settlement if any which they cannot cofirm completely!!!

The official was very very rude and said thats the procedure and if i dont abide she shall disconnect the call !! now they have charged me outstanding as 9000/- Rs again..!!!!!!!!! i am in a complete mess..these guys have cheated me..i am scared now if the Bommanahalli branch people dont provide me the final settlement letter what shall i do.. plz help me. I have the receipt of the amount paid at the branch i.e. 29,300/- cash payment.

Plz help me

i have contacted icici customer care more than 5times of which 3 of them disconnected!!
Spoke to settlement department who told me that whatever payment i did was not towards final settlement and blamed me for my foolishness and told me how can you trust someone who calls you and asks you to make payment without providing settlement letter!!! the person i spoke to was vinod ([protected]) who said he is calling from court and is sending police to arrest me!!!! and when i asked the settlement letter he said not to talk much and just make the payment in the icici branch and take the transaction id which is the settlement id!! in this situation what on hell should i have done??? i dont understand double games like icici bank!!!!!!!!!!!
My payment for 29,300/- cash transaction id is - M3205268
Complain number lodged is SR[protected]
This is the mail sent to the two mail ids as told by that executive:

From: reetesh gupta [mailto:[protected]@rediffmail.com]
Sent: None
To: sanjay.[protected]@icicibank.com; icicicorp.[protected]@gmail.com
Cc: [protected]@rediffmail.com; [protected]@yahoo.co.in
Subject: Payment Details for ICICI Card No. - [protected]

Hi,
Here are the payment details for ICICI Credit Card No. - [protected] which is in the name of Arpana Pathi.

Total Amount of Payment made - Rs. 29300/-.

Transaction Number - M3205268

I am attaching the pay-in-slip with the transaction number of the payment made.

Kindly send me the Full and Final Settlement letter.

Thanks
Reetesh Gupta
H/O Arpana Pathi
[protected][protected][protected][protected]
Plz help me from this mishap. i dont have money to pay anything more. i dont have job. i am a housewife. plz help me to get my settlement letter as promised.
icici is a reputed bank and i dont expect such a misbehaviour with its customers..
When sent the grievience readdressal to the escalation mode personal, they are getting back to me again and again by some date stating that they are looking into it. No solution till date. I need this resolved ASAP because as the days pass by, bank can ask me why i delayed!!!!!!!!
my Ph number is [protected]
mail id is [protected]@yahoo.co.in
plz call me to resolve this.

Sir,kindly refer to my complaint, ICICI BANK HAS NOT RETURNED my money which is illegally deducted. I will suggest every account holder of icici bank to give some amount to icici bank monthly since bank is very poor.

Icici bank is a hopless and bagger bank.THANKS


Vinod Khanna

DEAR SIR
i wuold like to bring to the notice of RBI and others concerned that despite the guidelines issued by RBI, one of the DEBT RECOVERY AGENCIES OF ICICI BANK CREDIT CARD ,are still using threatening and illegal means of recovering the payments of credit cards.One man from GROUP RECOVERY MANAGEMENT--THEIR auth. agents for recovery have been regularly visiting my house and using all kinds of abusive, filthy and threatening langauage for recovering the outstanding dues against my card.

I have been in a financial mess for the last about one year, due to which my track of regular payment was spoiled.I, without fail .ysed to make payments with all the interest and every other charges.The bank earned a lot during the time I was earning well, but now I m not in a position to make any payments.

I requested the recovery agent that it would take me a few months to settle their account but they are not listening and are continuously threatening me with dire consequences.I told them to follow the things legally but they are not listening.They are saying they wuold get my account settled at a very lesser sum if i pay them seperately, apart from paying to the bank.

I request the concerned authorities to stop this way of collection or would be forced to drag the agency to consumer court and also take them to court for criminal charges for using illegal and threatening ways .


trilochan singh talwar

Dear Sir,

This is to bring to your kind notice that, On 30th Sept 2010 My Wife Vistited ATM Machine for Withdrawal of Rs.22000/- Near Bhayandar Station. at that time ATM Machine was showing “Transaction cannot be processed” She had informed Securtiy that the money is not comming out from the Machine. He informed that there might be problem with your balance or from bank- After checking balance onceagain of Rs.26518.27- she further tried for withdrawl - same message was repeated "Transaction cannot be processed" after cancelling the Transaction and clearing the Screen she left the ATM Machine.

On 1st Oct at 19.54 I again tried for Cash withdrawal for Rs.20000/- at same ATM Counter – Machine showed Insufficient balance, I Checked by Balance, It was Showing balance of Rs. 4518.27 - My Account was Debited for Rs.22000/- by ICICI Bank

I Immediately lodged complaint with Customer Care on 01.10.2010 around 20.30 for above issue that machine had not despense the amount and my account is debited for Rs.22000/- (Request No : SR[protected] was alloted.

2nd & 3rd OCt was Non Working day

I visited Lowerparel Brach with Written application to process the Request on Urgent basis as this amount was huge amount for me.

Request was processed on 6th Oct and i was informed that the "ATM Machine had dispense the amount of Rs.22000/- after their investigation..

I had Lodged another Request with ICICI for Further Investigation for which Request Number alloated to me was "SR[protected]"

I approached "Bhayandar Police Station for Registering FIR.

Concerned Officer at Bhayander Navghar Police Station informed that for Registration of FIR, they need Written Confirmation from ICICI on Their Letterhead that Machine has dispense amount of Rs.22000/- so that they can register my FIR

Immediately, on 6th Oct around 12.00 noon I had approached ICICI Bank - Bhayandar Branch for taking Written Confirmation regarding Dispense of Rs.22000/-. so that My FIR can be registered

Bhayandar Branch Manager Mr. Anand Ganediwal informed that Request is to be placed with Customer care service by email or by sending Application by Registered Post to Head Office at (HYDERABAD).

Written Request is by email is sent at Customer.[protected]@icicibank.com on 06th Oct 2010 around 4.00 p.m. for arranging Written Confirmation

On 7th Oct 2010 I Visited My Salary Account Branch (Prabhadevi Branch) - Again Entire Correspondence of 4th Oct / 6th Oct and Fresh Application Dated 7th Oct was submitted to Ms. Pallavi Teli - ICICI - Operations Dept.

Fresh SR was submitted by Prabhadevi Branch for CCTV Clipping on 8th Oct as informed by Ms. Pallavi Teli (Request No SR[protected] for furhter investigation Also one more request was placed by Prabhadevi Branch for Esclation (Further investigation) and was informed to me to contact on 11th Oct.

I contacted Ms Pallavi Teli on 11th - Complaint was in process

On 12th I was informed that - Above Two Reqests are processed and informed me that Clippings are not available do to some technical snags.

I immediately approached to Branch Manager : Mr. Divyesh.Shah - Regarding written confirmation to my Request given on 7th Oct 2010.

He informed me to wait till 14th Oct 2010. - I had again informed him that i cannot file FIR unless is get written confirmation from your end, and for no fault of mine - Amount is to be credited back.
[protected]-------

No i cannot file FIR with Police station and matter is lingerring

Reqest - Please do the needful so that i get back my money soon.

Thanks - Rajendra Chauhan
[protected] / 24917926

i have taken a car loan from icici bank there were some dues which i have cleared and now i get my noc for the same request you to please remove my name from cibil please do the needful asap...

I availed a two wheeler loan of 31000.00 from ICICI for purchasing of DIO .

I have repaid the loan amount fully but it reflecte in CIBIL reportas not cleared for which my loan for housing is held up .

A/C No is XXXX2152

Pls send the letter of clearance at the earliest .

Thanks
Ashok Mohanty

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