ICICI Bank Complaints & Reviews

Date : May 21, 2010
To
ICICI HOME FINANCE COMPANY LIMITED.,
Raqmchandra Sabha Mandap Building,
Ghole Road, Pune
PUNE.411 004

SUB : Redumption of Fixed Deposit Ref Folio Nos 333HF0078739 & 333HF0078740.

Dear Sir / Madam

We have deposited a amount thru fixed deposit receipts bearing nos 333H0063731 C20 & 333H0063735 C20 on 30th September 2008 for the period of 20 Months.

At that time somebody Mr. Shinde working with ICICI Direct branch in Dahanukar colony has visited to my residence and asked me to deposit, and the same we have done. A point is to be noted is at the time of depositing the money I had given a cheque from my account and deposited in my daughter’s name Ms Ketaki Godbole and I myself stood Joint holder.

Now your company has send the forms of consent for receipt of payment of interest and maturity proceeds through RTGS / NEFT in the name of Ms Ketaki Godbole as she is the first holder.

We have herewith submitted the same forms duly filled and taken the authorized signs of bank manager on the same forms. While submitting the same forms to your above said office it was found that the earlier A/c nos are not matching as I have had given the cheque from my SB A/c.

Please take a note of this point and consider the case as it is. Ms Ketaki Godbole do not have cheque book facility.

If you feel please issue separate forms for receipt of payment of interest and maturity proceeds through RTGS / NEFT in my name and I shall get it sign from bank manager.

This is for your information and necessary action.

Thanks,




RAGHUNATH BHASKAR GODBOLE


Copies of fixed deposit receipts are in PDF format and hence cannot attached.

Dear Team,

Refer the said subject.
Despite of giving all details related to my credit card closure (2nd Feb. 2009) many time to your phone banking personnel I am getting the threatening call on behalf of ICICI Bank.

I have given my cell no to contact for further assistance, but still the calls have been made to my old house at Pune where my parents lives. My mother (age 60) & father (age 68) are being threatened from Bank representatives cliamed as Lawyer from High Court, Supreme Court.

I have attached the closure letter copy for your reference & other necessary formalities.

If still I or my family members receives a call from ICICI Bank or any other of your recovery agency I will file the FIR against your Bank.

Hope you understand the matter & act accordingly.


Regards,
Pravin Patil
[protected]

Note: I have attached SCAN copy of closing letter for reference

Bonder holder no. 600 1950 :: cheque no. 00047 dt. 11.03.2010 for Rs.21187.00 was received by local icici bank for revalidation on 22.03.2010, followed by reminders on 18.05.2010 and 12.07.2010. Nothing has happed so far. Cheque be returned alongwith suitable compensation

cheque was presented in time. there was enough balance in the account. yet the monthly statement shows cheque returned. penalty charges levied.

Unfair and bad customer practice by ICICI Bank

I have a “Gold” banking status with ICICI bank and had been a customer from 1997 onwards. The bank has proactively approached me to issue a Platinum Visa credit card based on my credit worthiness and net worth. I accepted the invitation and became a credit card user. Subsequently, the bank approached me to upgrade the card to Platinum Identity Credit Card (Please note I have not requested the bank to issue the card) and mentioned that I will be entitled to two additional cards “Priority Pass” and “Golf Fee Card” with no additional fees. I was told that “Priority Pass” will allow free access to domestic airport lounges and some international airport lounges.

I used Priority Pass card twice at Colombo Airport and New Delhi Airports. The lounge assistants have told me that there are no charges for using priority pass card and have swiped my card for zero value. However, several months later I received a statement with charges of Rs 1900/- for the lounge use. I contested this and refused to pay. I have also applied for cancellation of Identity Card which customer care team confirmed that card was cancelled.

However, I continued to receive statements with dues month after month such as Late Payment Fees and Interest Charges. Subsequently, collection agents started hounding me with calls and asking me to come for settlement in Delhi. When I explained my case and said that my outstanding amount is on account of wrong commitment, the collections agents refused to listen and said that I need to pay Rs 4500/-. When I said that outstanding was only Rs 1900/- and I am willing to pay Rs 1900/- in good faith, the agents refused to listen.

In absence of a proper resolution, the issue kept on dragging and the amount accumulated to Rs 9131/-. The collection agents told me that if I do not pay, my name will be published in the defaulters list. I also received letters from ICICI Bank that my name may be published to credit bureau as a defaulter. I had issued a cheque for Rs 2000/- to settle this in good faith on 21st Aug. This cheque has been collected by the bank. In addition, on 25th Aug, the bank debited my savings account with Rs 9131/-.

This entire incident shows how sub-optimally the ICICI Bank is organized. It raises following questions

1)When I am a gold customer of bank for the last 6 years, why should they threaten me that my name may be published to the credit bureau as a defaulter that too for an amount of Rs 1900/?
2)Why didn’t bank chose to auto debit the account for Rs 1900/- when it was not paid for 2-3 months? Why did they wait till the amount accumulated to Rs 9131/- and debited my account?
3)Is bank trying to enhance its revenue by false means? They have earned Rs 2000/- plus Rs 9131/- for an amount due of Rs 1900/-.
4)Don’t different ICICI divisions speak to another to protect interest of the customer?
5)In this period, I received caution letters from the bank and at the same time, someone called me twice saying that he is a personal phone banker and has been assigned to me exclusively. Look at the ridiculous customer experience. This shows the left arm doesn’t know what the right arm does.
6)Are accounts in ICICI bank safe when they are debiting the accounts without intimation? Later, they can present several other charges and will reiterate they have the right to debit the account.
7)When bank sent me caution letters, why didn’t it take an initiative to send a letter before debiting the account for Rs 9131/-?

I am also a platinum card user of Citibank and HDFC Bank for several years. I never faced issues with these banks. ICICI Bank can feel free to check my credit status with these banks.

I need an explanation and immediate resolution.

Name : Rajesh Dhuddu
Credit Card Number : [protected]

(FOUL PLAY} UNAUTHORIZED/TREATED INTERNET TRANSACTION DISPUTES/REFUNDS.

COPY TO:

Cyber Crime Investigation Cell is located at :

Cyber Crime Investigation cell,
Annex III, 1st floor, Office of the Commissioner of Police,
D.N.Road,
Mumbai - 40001

Email: cybercell.[protected]@mahapolice.gov.in

Tel: +[protected]





[protected][protected]
BY ICICI BANK--
[protected]


Dear Mr. Bobade,

We acknowledge receipt of your e-mail of August 19, 2010 addressed to Head

Service Quality regarding your ICICI Bank Credit Card.

We reiterate that the 3 disputed transactions as confirmed from our records,

has been effected on your subject Card. We would like to clarify, that the

above transactions have undergone a 3D Secure Authentication, which is a

second level authentication specifically built in for online transactions

done through Merchant Websites. It may be noted, that apart from the Card

Verification Value (CVV) and Expiry date on your Credit Card, your personal 6

digit 3D Secure PIN was also required for effecting the said transactions.

The 3D Secure PIN is purely personal and privacy to the customer and would

not be known to anybody, unless compromised otherwise. The Card holder is

responsible for the security of his/her Card along with his/her personal 3D

Secure PIN and should therefore take all possible steps towards ensuring the

safe-keeping thereof. The Bank does not incur any financial liability arising

out of the misuse thereof by unauthorized persons.

We confirm, that the transactions were allowed as the system is CVV, Expiry

Date and 3D PIN specific and not person specific. We reiterate, that as the

transactions were qualified by information strictly personal to you, the Bank

is therefore precluded as per industry guidelines to repudiate the

transaction with the Merchant on the basis of your dispute.

We therefore regret to inform you, that the Bank will not be able to accede

to your claims with regard to the disputed transaction.

We request you to take up the issue with the merchant and if no resolution is

given, please take assistance of cyber crime police for further verification

and recovery of the disputed amount.

In view of the reasons cited above, we advise you to meet this explanation

with reason and acceptance.

We affirm that ICICI Bank at all times acts with diligence, in good faith,

and in no manner prejudicial to the interests of its customers.

We have attached the supporting documents for your reference.
The outstanding balance due on your ICICI Bank Credit Card 5176 xxxx xxxx

6003 is Rs. 38,346.46 as on August 20, 2010.

We request you to make the payment of the outstanding balance on your credit

card account to avoid levy of financial charges.

We hope you would meet the above explanation with understanding and

acceptance.

Sincerely,

Arunjyothi E
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

[protected][protected]

TO,

Cyber Crime Investigation cell,
Annex III, 1st floor, Office of the Commissioner of Police,
D.N.Road,
Mumbai - 400001 .
DATE:07/08/2010.

SUBJECT: (FOUL PLAY} UNAUTHORIZED INTERNET TRANSACTION DISPUTES/REFUNDS. AT

YOUR DOOR FOR HELP,RESOLUTIONS AND REVOCATIONS (MODIFIED).[ LAUNCH OF FIR ].


[protected]

TO,
CBI MUMBAI,CID MUMBAI,RTI(INDIA).
DATE:21/04/2010.

DEAR SIR/MADAM,

SINCE THE ISSUE/DISPUTE IS HOT SUSPICIOUS AND HIGHLY DOUBT/DANGEROUS, IT IS

FORWARDED TO COMPETITIVE AUTHORITY FOR INSTANT INFORMATION,RECORD AND URGENT

DESIRED ACTION IN THIS REGARD FOR FURTHER SOLUTION.

THANKING YOU.
NICE TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.

COPY ATTACHED BELOW .




[protected]

NOTE: SET 4,ITEM NO 10 MODIFIED.



[protected]--
SET:1


TO,
ICICI BANK LTD,INDIA.
CUSTOMER CARE,
CARD CARE.
DATE- 28/JULY/2010.

SUBJECT: UNAUTHORIZED/THREATED INTERNET TRANSACTION DISPUTES/REFUNDS.

ENTRY REFLECTED ON 24 JULY 10:
20/04/2010 OXIGEN INFOVISION PVT, MUMBAI 5000.00
>20/04/2010 TRAVELBOUTIQUE ONLINE-, MUMBAI 8461.00
>20/04/2010 TRAVELBOUTIQUE ONLINE-, MUMBAI 16148.00



THIS IS FOR YOUR KIND INFORMATION, RECORDS.
THIS IS FORWARDED FOR SOLUTIONS/RESOLUTIONS AND REVOCATIONS.


YOURS FAITHFULLY,
RAMESH K BOBADE.



[protected]-----

TO,
ICICI BANK INDIA LTD,
ICICI CARD CARE,
MUMBAI.
ALL CONERNED.
DATE: 16/07/2010
20/07/201010
SUBJECT: AN APPEAL TO ICICI CARD CARE.
DEAR SIR/MADAM,
WITH REFERENCE TO SAID INTERNET TRANSACTION DISPUTES.
(1)ICICI CARD SYSTEM IS EASILY RETRIEVABLE AND MERCHANTS MIGHT USE CAMERA
ENVIRONMENT.
(2)AND HENCE THE DANGER FOR MISS-USE OF DATA IS HIGH.
(3)SO THE BEARER OH SERVICE ISSUER/SERVICE PROVIDER SHOULD ACT AS
BENEFICIARY FOR THE SAID SERVICE SOLD AND PAYMENT RECEIVED FOR.THIRD PART
DEALS AND THREATS SHOULD BE TAKEN ON IF BROUGHT FORWARD AS DISPUTES.
(4)SINCE THE INFORMATION COULD BE EASILY OBTAINED, ICICI CARD CARE SHOULD
PROVIDE BETTER SUPPORT IN CASE DISPUTE RAISED FOR MISS USE OF CARD.
ICICI CARD HOLDS BEST SERVICE CENTER, IT MUST ASSURE BEST SUPPORT IF IT

BRINGS
TO ITS HELP COUNTER DESK AS DISPUTES.
(5)CASE IS TOTALLY UNDER ICICI CARDS JURISDICTION
(6) THREAT ATTEMPTED ON 20 APRIL 2010 FOR THE SAID ISSUE IS REPORTED CARD

CARE
ON SAME DAY WITHIN FIVE-SIX HOURS.
(7)AND REFUND SLIPS SHOULD BE ORDERED FOR, INFORMED TO ICICI CARD CARE.
(8)SINCE IT IS CREDIT ISSUE AND SUPPORTS MY SAVINGS, IT IS HUMBLY REQUESTED

TO
RELEASE MY BLOCKED CREDIT LIMIT.
(9)AGAIN I HUMBLY REQUEST ICICI CARD CARE FOR SOLUTIONS AND REVOCATIONS.
(10)I ENSURE MY ALERTNESS IN FUTURE AND LEARNT POLICY ISSUES INCLUDING CARD
PROTECTION.
ALSO I REQUEST CARD CARE TO BRING SUCH ISSUE ON FRONT FOR BETTER
UNDERSTANDING OF ITS CUSTOMERS.
THANKING YOU/ NICE TO WRITE YOU.
YOURS FAITHFULLY,
RAMESH K BOBADE.

[protected]-------
CHECKLIST:
(REPRESENTATION)
(1)
THREAT ATTEMPTED ON 20 APRIL 2010 BY MOBILE PHONE, THE DEFAULT SAID NUMBER
REPORTED TO CARE.
(2)
IN THE SAID CASE INVESTIGATION TEAM HAD TO VERIFY THE CONTENT.
THE DATA STOLEN PERSON COULD BE TRACED EASILY.THE NEXT JOB REMAIN FOR
WHOM SERVICE PURCHASED ACTUALLY AND DELIVERED FOR, BY MERCHANT.(SERVICES
DEMANDED FOR)
(3)ALSO I INFORMED/INSTRUCTED TO THE BANK FOR THE ARRANGEMENT OF STOP
PAYMENT OPERATIONS. OR AND IF THE REFUND SLIPS SHOULD BE ORDERED IF PAYMENT
PROCESSED.
(4)YOU REMAIN ONLY HELP AUTHORITY IF THE ENTIRE ISSUE IS DECLARED AS THREAT
ATTEMPT/DISPUTE ISSUES. YOU COULD BE ABLE TO FIX LIABILITY FOR PAYMENT IN THE
BENEFIT OF CARD MEMBER.


[protected]





TO,
ICICI BANK LTD,INDIA.
ICICI CREDIT CARDS,
CUSTOMER CARE.
MUMBAI-INDIA

DATE:
08/07/2010.


SUBJECT: YOUR LETTER DATED 5/07/10, SENT THROUGH BLUE DART COURIER RECEIVED

ON 07/07/10.AWB NO [protected], REF:[protected].

REFERENCE: QUERIED TRANSACTION PERTAINS TO CARD NO: [protected].


DEAR SIR /MADAM, (CUSTOMER CARE OFFICER)




--------
NAME OF MERCHANT: M/S PAYPAL *PEOPLE NTK
DATE: 20/04/10.
AMOUNT: RS 37.26

THE ABOVE TRANSACTION IS DECLARED AS DISPUTE./THE ABOVE TRANSACTION IS

STILL DISPUTED BY ME.


--------

THIS IS FOR YOUR KIND INFORMATION,RECORDS.
THIS IS FORWARDED FOR SOLUTIONS AND REVOCATIONS.

THANKING YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.


[protected][protected]--







SET:2
[protected][protected]--------
SUBJECT: THIRD PARTY NOT UNIDENTIFIED,ENTERED INTO MY PRIVACY AND SECURE AREA

OF CREDIT

CARD ACCOUNT,INQUIRED SENSITIVE DATA BEING SERVICE ISSUE CALL TO BE

CONFIRMING,AND

PURCHASED SERVICES ONLINE FOR DELIVERY FOR THEIR USE AT THEIR COUNTER.

[protected][protected][protected]

DATE:05/07/2010.
MONDAY- (SOMWAR).


DEAR SIR/MADAM,

THIS IS IN REFERENCE TO,

(1)ON 02/07/10 ,INTERIM CHARGE BACK DEBIT ENTRY RS 1657.51(DR)

(2)ICICI CREDIT CARD NO:[protected](BLOCKED)

----

ISSUE IS AGAIN BROUGHT TO "ICICI CREDIT CARDS" .

DECLARATION :
(a)SERVICES ARE NOT PURCHASED BY ME NOR THE DELIVERY FOUND TO ME FOR MY
PERSONAL OR FAMILY OR OFFICIAL USE.

(b)SO THE PAYMENT I CANNOT AFFORD FOR UN-NECESSARY USE.

(c)ALL REPORTING DONE TO ICICI BANK CUSTOMER CARE WITHIN 8-9 HOURS.
ON THE SAME DAY 20/04/10 AND CUSTOMER CARE ASKED FOR HELP.

(d)MERCHANT'S COUNTER ARE OUT OF MY REACH AND NON TRACEABLE SINCE LACK OF

ABILITY.

(e)SUSPICIOUS CALL DONE TO MY MOBILE PHONE WAS INSISTING SHE/HE WERE ICICI

OFFICER AND
CALL WAS SERVICE ISSUE CONFIRMING CARD DETAILS.
SHE/HE ASKED ME FOR THE SENSITIVE INFORMATION.
SERVICES PURCHASED BY SHE/HE,DELIVERED AT THEIR PREMISES, AND HENCE THEY ARE

LIABLE FOR
THE ENTIRE/WHOLE PAYMENT FOR THE DISPUTE RAISED.

(f)I AM NO WAY FAMILIAR TO THE PERSON WHO INQUIRED THIS ATTEMPT. AND IN GOOD

FAITH I
TALKED TO THE CALLER BEING SHE/HE WAS ICICI OFFICERS.



(g)THIS IS FOR YOUR KIND INFORMATION AND URGENT NECESSARY ACTION.

----

(I)I, RAMESH K BOBADE, HUMBLY REQUEST ICICI BANK TAKE NOTE OF REQUEST TO

RELEASE THE
BLOCKED CARD LIMIT.AND HOLD THEM RESPONSIBLE TO COMMIT CRIME SUCH TO ASK

,BEING DARED,

SENSITIVE INFORMATION BY INSISTING COMPETENT AUTHORITY TO DEAL.
THAT'S ALL.

(II)ADVISE ME FOR MY CO-OPERATION WITH OFFICERS,DEALING THIS ENTIRE ISSUE FOR
RESOLUTIONS AND REVOCATIONS ON FAIR-GOOD-USE POLICY NORMS. ALSO ADVISE ME TO

CONTACT HIGH
LEVEL OFFICERS WHO SOLVED SUCH TYPES OF DISPUTE CASES EARLIER.

(III)I WILL PURELY CO-OPERATE WITH YOU SINCE IT SUPPORTS MY SAVINGS AND

CREDIT ISSUE.
-----

THANKING YOU.


YOURS FAITHFULLY,
RAMESH K BOBADE




[protected][protected][protected][protected]


29APRIL2010.
DEAR SIR/MADAM,

AS PER YOUR INSTRUCTION SCANNED COPY OF DISPUTE FORM FORWARDED FOR FURTHER

SOLUTION.

YOURS FAITHFULLY,
RAMESH K BOBADE

[protected][protected][protected][protected]

On Tue, 27 Apr 2010 20:40:49 +0530 wrote
>
Dear Customer,
>
>We refer toour earlier e-mail of April 21, 2010 regarding your ICICI Bank

Credit Card

Account 5176 xxxx xxxx 6003.

We have attached the CardMember Dispute Form (CDF).

Sincerely,

D. Sri Lalitha
Office of Head Service Quality


CONFIDENTIALITY INFORMATION AND DISCLAIMER



"


[protected][protected]--------
SET:3

TO,
ICICI BANK LTD. MUMBAI,INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE,CUSTOMER RELATION MANAGER,
customer.[protected]@icicibank.com,[protected]@icicibank.com,headcustomer.[prote...⇄

ibank.com,
[protected]@icicibank.com.
COPY TO:[protected]@icicibank.com
DATE:24APRIL2010.


DEAR SIR/MADAM,

PLEASE SEE COPY ATTACHED PREVIOUS EMAIL.

(1) BY CREDIT CARD COMPANY FOLLOWING ENTRY REFLECTED,READ ON 24APRIL2010

1.06PM BY

EMAIL:
20/04/2010 5000 OXICASH-BILLDESK,
20/04/2010 8461 TRAVELBOUTIQUE ONLINE-
20/04/[protected] TRAVELBOUTIQUE ONLINE
20/04/2010 $1 PAYPAL ,
20/04/2010 1657.51 PAYPAL *PEOPLE NTK

(2)PLEASE BILL THE AMOUNT COMPULSORY FOR THE ABOVE ENTRY TO WHOM SERVICE

DELIVERED.
ALL THIS DUES SHOULD BE RECOVERED FROM THEIR ACCOUNT IDENTIFIED FOR DELIVERY,

AVAILABLE
BY MERCHANT,THEY MISS-USED MY CARD DATA
AND PURCHASED ABOVE SERVICES.

(3)ALL MERCHANT INVOLVED SHOULD BE NOTIFIED.

(4)MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.

THIS IS FOR YOUR KIND INFORMATION AND FURTHER NECESSARY/DESIRED ACTION.

NICE TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.






[protected][protected][protected][protected]
SET:4

TO,
ICICI BANK LTD. MUMBAI,INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE,CUSTOMER RELATION MANAGER,
customer.[protected]@icicibank.com,[protected]@icicibank.com,headcustomer.[prote...⇄

ibank.com.
COPY TO:[protected]@icicibank.com

DATE: 20/04/2010,(TUESDAY) 7.30PM ONWARDS.

SUBJECT: DISPUTE LETTER.

DEAR SIR/MADAM,

(1)CARD HOLDER NAME: RAMESH KASHINATH BOBADE.
(2)ICICI CREDIT CARD NO:[protected].(MASTER CARD)(HP LOGO)
ADD ON CARD: [protected].
(3)PLEASE BLOCK MY CARD.(YOU ARE ALREADY BLOCKED MY CR CARD)
(4)PLEASE RESTORE MY EXISTING RELATIONSHIP WITH BILL PAY WITH (i)MTNL GARUDA

AND
(ii)MAHADISCOM ELECTRICITY.
(5)SUSPICIOUS CALL ATTENDED/REPORTED BY 2.52PM 20TH APRIL2010 REGARDING

REGISTER FOR
3DSECURE. THIS FAULTY MOBILE PHONE NO WAS
O[protected].
(6)AND SAME WAS REPORTED TO ICICI CUSTOMER CARE BY 2.58PM. AND ASKED THEM TO

CHANGE
TPIN.
(7)CALL WAS RECEIVED AGAIN FROM O[protected] BY 3.08PM INQUIRING WHETHER I

RECEIVED SMS.
(7)SMS RECEIVED BY RM-ICICIBNK BY 2.44PM INFORMING ONE TIME PASSWORD.
(8)CALL WAS RECEIVED AGAIN FROM O[protected] BY 3.08PM INQUIRING WHETHER I

RECEIVED SMS.
AND ASKED TO CONFIRM FOR FURTHER PROCESS OF REQUEST.
(9)BY 7.36PM I TOLD THE CUSTOMER CARE EXECUTIVE REGARDING NON LOG IN TO 3D

SECURE, SO
THE EXECUTIVE TOLD SOME TRANSACTION WERE REPORTED .ASKED THEM TO BLOCK THE
CARD.EXECUTIVE ASKED TO WRITE DISPUTE LETTER.
(10)LAUNCH POLICE/COMPLIANT-COMPETITIVE AUTHORITY/AGENT COMPLAINT ON BEHALF

OF(i)ME,(ii)ICICI BANK,AND(iii)MERCHANT INVOLVED(iv)MASTERCARD.
(11)CALL REPORTED TO ICICI BANK IS AVAILABLE TO ITS RECORD.
(12)BY 3.18PM RM-ICICIBNK REPORTED SMS IF THIS WAS NOT REQUESTED BY YOU TO

CALL CUSTOMER
CARE FOR ASSISTANCE.
(13)TILL 7.30PM NO TRANSACTION REFLECTED ON INTERNET BANKING USER ID-LINKING

CREDIT
CARD.
(14)STOP PAYMENT,STOP DELIVERY,REPORT MERCHANT,ISSUE ARREST WARRANT FOR MISS

USE OF MY
CARD DADA.
(15) ICICI FAX NO RECEIVED[protected]
(16)MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.
(17)MY MOBILE PHONE WAS DISCONNECTED SINCE LOW BATTERY AND COLLECTING INFO TO

REPORT TO
EXECUTIVE.

(NOTE: PERSON TRIED CALL BY MOBILE PHONE NO:O[protected] WAS TALKING IN FAST

HINDI-ENGLISH NOT CLEAR VOICE.
SHE TOLD SHE WAS ICICI BANK OFFICER AND CALL WAS SERVICE ISSUE FOR CONFIRMING

CARD

DETAIL,SHE INSISTED LIMIT INCREASED BY AND
ADD ON CARD BLOCKED)

THIS IS FOR YOUR INFORMATION AND FURTHER NECESSARY ACTION AND RECORDS.

NICE TO WRITE YOU/THANKING YOU FOR HAVING ME OPPORTUNITY TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.
(ICICI BANK CUSTOMER)
MOBILE PHONE :[protected]. RESIDENCE:[protected]. ALTERNATE MOBILE

PHONE:







[protected][protected]--
COPY TO:
STATUS-SENT SEPARATELY.
--

[protected]@icicibank.com,
---
[protected]@mastercard.com, [protected]@mastercard.com,

[protected]@mastercardadvisors.com, [protected]@mastercard.com,

[protected]@mastercard.com, [protected]@mastercard.com,

[protected]@mastercard.com, [protected]@mastercard.com,

cybercell.[protected]@mahapolice.gov.in, [protected]@cbi.gov.in, [protected]@bol.net.in,

[protected]@rediffmail.com,[protected]@core.nic.in, [protected]@core.nic.in,

[protected]@del3.vsnl.net.in, [protected]@core.nic.in,
---
[protected]@myoxigen.com, [protected]@travelboutiqueonline.com,

[protected]@travelboutiqueonline.com


[protected]
TO,
(1)CARD CARE,
ICICI BANK LTD.
(2)OXYCASH- MERCHANT.
(3)TRAVEL BOUTIQUE ONLINE- MERCHANT.

DATE:22 AUGUST 2010 (SUNDAY).


DEAR SIR/MADAM,

PLEASE PROCESS REFUNDS AND SETTLEMENT.
I HAD NON RECEIPT OF DELIVERY.
SOMEBODY USED MY CARD ACCOUNT IN FRAUDULENT WAY (FOUL PLAY).
[PLEASE PROCESS RECOVERY OF PAYMENT FROM DEFAULT CLIENT TO WHOM ACTUALLY

SERVICE DELIVERED BY MERCHANT.]

PLEASE HELP.

YOURS SINCERELY,
RAMESH K.B.

---

SET:3

TO,
ICICI BANK LTD. MUMBAI,INDIA.
ICICI CREDIT CARD DEPARTMENT.
CUSTOMER CARE EXECUTIVE,CUSTOMER RELATION MANAGER,
customer.[protected]@icicibank.com,[protected]@icicibank.com,headcustomer.[prote...⇄

ibank.com,
[protected]@icicibank.com.
COPY TO:[protected]@icicibank.com
DATE:24APRIL2010.


DEAR SIR/MADAM,

PLEASE SEE COPY ATTACHED PREVIOUS EMAIL.

(1) BY CREDIT CARD COMPANY FOLLOWING ENTRY REFLECTED,READ ON 24APRIL2010

1.06PM BY

EMAIL:
20/04/2010 5000 OXICASH-BILLDESK,
20/04/2010 8461 TRAVELBOUTIQUE ONLINE-
20/04/[protected] TRAVELBOUTIQUE ONLINE
20/04/2010 $1 PAYPAL ,
20/04/2010 1657.51 PAYPAL *PEOPLE NTK

IN DETAIL:
20/04/2010 $1 PAYPAL
20/04/2010 85326960110015362834739 PAYPAL *PEOPLE NTK 1,657.51
20/04/2010 75425310110650107800139 OXIGEN INFOVISION PVT 5,000.00
20/04/2010 75425310116690140900029 TRAVELBOUTIQUE ONLINE- 16,148.00
20/04/2010 75425310116690140900011 TRAVELBOUTIQUE ONLINE- 8,461.00


(2)PLEASE BILL THE AMOUNT COMPULSORY FOR THE ABOVE ENTRY TO WHOM SERVICE

DELIVERED.
ALL THIS DUES SHOULD BE RECOVERED FROM THEIR ACCOUNT IDENTIFIED FOR DELIVERY,

AVAILABLE
BY MERCHANT,THEY MISS-USED MY CARD DATA
AND PURCHASED ABOVE SERVICES.

(3)ALL MERCHANT INVOLVED SHOULD BE NOTIFIED.

(4)MAXIMUM HELP BY YOUR BEHALF IS REQUESTED TO SOLVE THE DISPUTE.

THIS IS FOR YOUR KIND INFORMATION AND FURTHER NECESSARY/DESIRED ACTION.

NICE TO WRITE YOU.

YOURS FAITHFULLY,
RAMESH K BOBADE.

----

On Fri, 20 Aug 2010 20:49:59 +0530 wrote
>
Dear Mr. Bobade,

We acknowledge receipt of your e-mail ofAugust 19, 2010 addressed toHead

Service Qualityregardingyour ICICI Bank Credit Card.

We reiterate that the 3 disputed transactions as confirmed from our records,

has been effected on your subject Card. We would like to clarify, that the

above transactions have undergone a 3D Secure Authentication, which is a

second level authentication specifically built in for online transactions

done through Merchant Websites. It may be noted, that apart from the Card

Verification Value (CVV)and Expiry date on your Credit Card, your personal 6

digit 3D Secure PIN was also required for effecting the said transactions.




The 3D Secure PIN is purely personal and privacy to the customer and would

not be known to anybody, unless compromised otherwise. The Card holder is

responsible for the security of his/her Card along with his/her personal 3D

Secure PIN and should therefore take all possible steps towards ensuring the

safe-keeping thereof. The Bank does not incur any financial liability arising

out of the misuse thereof by unauthorized persons.

We confirm, that the transactions were allowed as the system is CVV, Expiry

Date and 3D PIN specific and not person specific. We reiterate, that as the

transactions were qualified by information strictly personal to you, the Bank

is therefore precluded as per industry guidelines to repudiate the

transaction with the Merchant on the basis of your dispute.

We therefore regret to inform you, that the Bank will not be able to accede

to your claims with regard to the disputed transaction.

We request you to takeup the issue with the merchant and if noresolution is

given, pleasetake assistance of cyber crime policefor furtherverification and

recovery of the disputed amount.

In view of the reasons cited above, we advise you to meet this explanation

with reason and acceptance.

We affirm that ICICI Bank at all times acts with diligence, in good faith,

and in no manner prejudicial to the interests of its customers.


We have attached thesupporting documents for your reference.
The outstanding balance due on your ICICI Bank Credit Card5176 xxxx xxxx6003

is Rs. 38,346.46as onAugust 20, 2010.




We request you to make the payment of the outstanding balance on your credit

card accountto avoid levy offinancial charges.

We hope you would meet the above explanation with understanding and

acceptance.

Sincerely,

Arunjyothi E
Office ofHead Service Quality


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.

I was more or less a satisfied customer till date, but since last 10-12 days I am facing issues with ICICI bank, after moving to Singapore, I requested the bank to update my mobile number, but even after so many follow-up my number is not updated, my service request number is SR[protected], I have submitted the hardcopy of request long bank, even after writing to customer care so many time , I am not getting any response... kindly help.

------
some of the follow-up mails

Dear Sir,

I again registered the payee but did not get any SMS.

what I need to Do futher... Whom I need to contact

Kindly help

Regards
Harsh Goel


-----Reply Separator-------Dear Sir,

With regards to Service Reference number SR[protected], we confirm that your international mobile number has been prefixed with "00" i.e[protected] and re-registered for transaction and payee confirmation alerts.

We request you to try once adding a fresh payee and confirm.

Sincerely,

Srinivasan G
Account Manager
ICICI Bank Limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

"Please do not reply to any e-mail that asks you for your bank-account-related information / details. These are called phishing e-mails and are designed with intent to fraudulently capture your bank account and personal details for misuse etc."



On Mon, 23 Aug 2010 15:01:24 +0530 wrote
>Dear Sir,
>
>
>please find below the another sorry story with ICICI, I have applied for change in my phone number as I have been shifted to Singapore, but more then a week past, no one taking care of my request.
>
>here is mail communication
>
>
____
>

Dear Sir,
>
>Any update on this.
>
>Regards
>Harsh Goel
>
>On Sat, 21 Aug 2010 21:13:10 +0530 wrote
>>Dear Sir,
>>
>>This is for your kind information and necessary action , that my request to update my contact number is taking too long, I have submitted the hardcopy as well raised it through the ICICI bank service requestweeks before, but even after getting confirmation on mail ( ICICI portal) I am not able to confirm the payee as I am not getting any SMS on my phone,
>>
>>I need to transfer some money but I can't as I cannot confirm the payee.
>>
>>Could some one help me to get this done.
>>
>>Regards
>>Harsh Goel

>>
>>
>
>
>
>Dear Sir,

Any update on this, Five days already passed since i made first request. it is very difficult to continue with this type of response from bank.

Regards
>Harsh Goel

-----Reply Separator-------Dear Sir,

We have registered the request vide Service Reference number SR[protected] for your query regarding mobile number registered for alerts.

We will respond you within 2 working days.

Sincerely,

Srinivasan G
>Account Manager
>ICICI Bank Limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

"Please do not reply to any e-mail that asks you for your bank-account-related information / details. These are called phishing e-mails and are designed with intent to fraudulently capture your bank account and personal details for misuse etc."
>Dear Sir,


>Thanks for the confirmation, yesterday I have added one payee in my account (nick name - PINKI XXX ) , I waited for more than 10 hr but didnot recieve the SMS for confirmation,
>kindly help to check , I am not getting SMS to add Payee in my account.

Regards
>Harsh Goel


-----Reply Separator-------Dear Sir,

We confirm that your international mobile number has been updated for transaction and payee confirmation alerts.

Further, we confirm that your communication address has also been updated on August 17, 2010.

Sincerely,

Srinivasan G
>Account Manager
>ICICI Bank limited

"If you receive an SMS from ICICI Bank with a Unique Reference Number or URN without you having added a new payee in your account through internet banking, report to us immediately. Do not disclose the URN to any stranger, even if the person claims to be our employee"

"Please do not reply to any e-mail that asks you for your bank-account-related information / details. These are called phishing e-mails and are designed with intent to fraudulently capture your bank account and personal details for misuse etc."

Subject: Others

Branch Id : 0037 Account Id : XXXXXXXXXX
>Dear Sir/Madam,

Ref Service request : SR[protected]

please make note of the following

1. I need to change only the mobile number as I have been shifted to Singapore

2. I have already submitted ( printed hardcopy ) in the shalimar gargen branch ghaziabad, two days ago,

kindly advice how long it will take to update.

Warm regards
>Harsh Goel

sir,
rs13,000 from my icici bank sb a/c rs13,000 has been transfered to m/s vodophone by net banking without my knowledge on 19th april 2010 on a single day to vodofone.i have no connection with vodofone.kindly let me know on whose name the amount has been paid on 19th april 2010 so that i can complaint to police.icici bank has informed me orally they cannot do anything on this being net transfer.kindly help me
sethuraman

Dear Sir/Madam



1.I am an Axis Bank customer with a savings salary account([protected]).

2. During an attempted withdrawal with my Axis Debit card no [protected] of Rs 6000/-(six thousand only) at an ICICI ATM no 3152 ,Gopinath Bazar ,Delhi Cantt-110010 at around 2100h on 26 Aug 2010 the cash was being counted by the machine biut the cash collection window failed to open ,followed by a communication failure. The money never came out & the machine failed to give out the transaction slip.

4. To my horror , I immediately used the second ICICI ATM in the same location & generated a balance slip which showed a withdrawl of Rs 6000/-(copy attached).I then informed my Branch Manager at Prince Anwar Shah Road Kolkata telephonically who was very kind & prompt & asked me to lodge this complaint ASAP.Please note no phone banking officers numbers were available on telephone saying that this was outside banking hours.

5. I then also confirmed the deduction of cash through a mini statement from a nearby Axis Bank ATM.(SIACZ073 Record no S 264)-copy attached.

6.This has caused me a lot of frustation & locked my Rs 6000/-

7. I am an Army Doctor (Medical Oncologist ) posted at Army Hospital (R&R) New Delhi -110010 & my cell no is [protected] ;[protected](off) ;[protected](Res);[protected](Res).

8. Kindly expedite the recover of my money & advise if I need to lodge a complaint with any other authority or ICICI too?

with warm regards



Thanking you

yours sincerely

Lt Col GS Chowdhary

Medical oncologist ,Oncology Centre

Army Hospital (R&R) New Delhi-110010

[protected]@yahoo.com

Dear sir,

Here by i had the bank credit card from 2006,but there was unusage charges had been charged in seven statements in a year ,from aug 2008 to 2009 july ,This has been found out and i had made request to rectify the same,Answer from the bank to settel the entire amount and they will rectify ,What shall i do?

And i had paid my minimum payment for three months totally 15k ,and still the problem is not solved.I went legally and againthe bank ask me to come for settelment ,but the same amount and the outstanding amount too.

I geniuenly put request that i will pay the balance usage amount ( the balance amount after reduction i need to pay)but still they are prolonging ,Customer i am ready to pay and clsoe my card but the bank again not agreeging and make me in trouble.

Please suggest me what to do ,Till now u had attend two hearings in the court no one from the bank ready ro close my card and no one is calling from the executive ferm also.

And this makes a total robbery ,Im sorry to use this word.
Regards
Divakaran.M

Card no:[protected]
ICICI

I have taken Home loan of 10 lacs from icici bank which account no is LBGHZ[protected] & EMI is being regularly deducted from my account. I need every year provisinal statement for claiming deduction under section 24 but bank is not sendig regularly above provisional certificate while it is duty of bank to send above certificate at given address without any delay or reminder.Every time I have to remind for this.
My orgnisation has started to deduct income tax from my salary.So I request you to send above statement for financing year[protected]as earliest.
Address:
Hemant Kumar Mishra
c/o Sri C.P Pandey
H.NO-3067 Block-G
Gaur green city Indirapuram
Ghaziabad-201012

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

Dear Sir,
I hold a current account with ICICI Bank Ltd. in Aurangabad. My company name is Kenstar Web Solutions. I also have the Merchant Banking (ED Machine for Credit card swiping). I wasn't operating my account since a year, though the charges were regularly being deducted monthly and they deducted more than Rs.4000/- for one year. Recently, on 23rd August 2010, my account received a wire transfer of Rs. 224,000/- from a client in UK through bank. The very next day, my account was debited Rs.1,46,700/-. I registered the complaint on the same day on 24th August 2010 on customer care. The customer care has asked me to wait for 48 hours to get to know why the amount was debited. Roughly, they say, this amount was debited due to a transaction entry during the year 2007. Now they are not telling me the reason for this big amount of debit and asked me to wait for 15 days. I have already issued a cheque to another party amounting Rs. 2 lacs and I do not have the balance due to this debit.

How would I know why they debited this amount and after 4 years? I am very upset with this behaviour of ICICI and I do not trust this bank anymore. Please advice what should I do regarding this issue and how can I trust the bank for any reason they give. Its not the question of couple of thousands but around 1.5 lacs of rupees. Please advice. Thanks a million!

Regards
Javed Siddiqui
Email: [protected]@kenstar.com

Hi,
I have made a Debit card Purchase of Rs. 2049 at Lifestyle Store in Chennai. I made Payment through my Debit card, But the amount debited twice from my account same tranaction of Rs. 2049 was occured twice from it.. I am worried what to do. I contacted ICICI they say its a two different Transactions and Lifestyle says they have recieved only one Payment. M very confused dont know where my money got stuck. Please advice me what action to be taken next.

thanks in Advance

My acc no: is[protected]

Dear Sir/ Madam,
This is to inform that while submitting request for a new cheque book, I have mentioned my new mobile number. This was not done once but thrice I wrote my new mobile number. Inspite of that the same was not updated in the record. I just want to know one thing that why they have provided a space in the slip and mentioned that please put your mobile number if the same has been changed.
If you speak to the customer care they do not have any answer.

What is the use of providing a space for the change of mobile number in the requisition slip if they do not intend to change in their Database.


e-mail ID: [protected]@yahoo.co.in

To
Indian Consumer Courts Forum
INDIA,
Subject : ICICI bank is playing with my earned money and is neither returning my cheque nor is crediitng in my saving account.
Honourable Sir,
This is to bring to your kind information that A cheque no 825304 dated [protected],of SBI Bank,Branch Amritsar Cantt BRANCH,AMRITSAR OF Amount Rs.32112/-was deposited on[protected] in ICICI bank ATM Branch,Sodal Road,Jalandhar at 10 a.m for the credit of saving a/c no[protected].,Mall road,Amritsar. The cheque was a Government Cheque issued on maturity of national saving certificates.Now after 9 days ,the cheque has not been credited in my account.Either these People have utilised my amount for ICICI bank or It has been intentionally misused by your bank for illegal activities.
I immediately want my cheque no 825304 put in clearing on[protected] to be credited in my account with interest .
Neither ICICI Bank is returning my cheque nor bank is crediting in ny saving account.

kindly do somethign and take a action against this dirty bank.
with regards
yours faithfully
parvesh kumar gupta,117,kalia colony,maqsudan byepass,jalandhar-144008
cell[protected].email [protected]@yahoo.co.in

Dear Sir
I am holding ICICI Credit card and i made a transaction on 8-7-2010 of Amt.Rs.46900
and requested the bank team to convert to EMI. During the month of Auguest i called up the helpdesk people to check the as on out standing due since i need o close the EMI. they informed me to pay only Rs.42333 as on date out statnding duing the month of Aug 2010 based on the words of the helpdesk i have payed a single payment to ICICIduring the month of Aug 2010.

Now am getting a call from them ICICI bank telling that there is a out standing amt of Rs.5311
when i checked with them they told that they have adjusted teh EMI , but i have told to close the EMI which they have done and asking me to pay again .

Kindly help me in this issue .
Regards

V.Yuvaraj
[protected]

Hello,

I the undersigned have an account with ICICI Bank in the joint name with my wife and I access it through online to check balances either from my office or home.

On 17th of June, my wife got a call from a person called "Sunil" who claimed to be calling from ICICI Bank and further said, since they are updating their internal system, will be sending SMS to my wife's cell which will contain some number, which she needs to tell him. My wife got 2 SMS containing 5 digit Pin no which initially she didn't respond but this guy reminded her calling again and again to revert with those no, which my wife responded back.

Later in the eve, when I checked the online balance, came to know that an amount of Rs 50500/- has been withdrawn from my account, I immediately got in touch with ICICI Bank customer service, who informed me that money has been credited to 2 person's account, who are also ICICI Bank customer and he freezed their account for any transaction ad also informed me that I would 100% get back my money since money is available in the beneficiaries account which was freezed. He informed me that ICICI Bank would carry out an investigation which would take appx a month time and also blocked my internet banking user id and advised me to register a complaint with cyber crime cell which I carried out.

There was no update from ICICI Bank for 2 months of the complaint and hence, I checked with ICICI Bank branch and got shocked to know that I wouldn't get money back as they have registered a statement in their record saying, I have replied to any fishy, fraudulent ICICI Bank mail, while the fact is I have never entertained any of this kind of mail, in fact the same was informed to the investigating officer from ICICI Bank and Police authorities. I also informed the branch manager that their customer service executive has blocked the bank account of 2 beneficiaries and money was lying to their account which is been freezed, which was verified by the branch manager and confirmed but still he couldn't assure me the refund of my money, which I am not able to understand why?????

I have a doubt on the integrity of the ICICI Bank, as money is lying to the beneficiaries account which is been freezed but still they don't intend to refund me back.. pl suggest what to do??

Thanks alot.


Ramesh Chaturvedi
+91 [protected]
(Account no[protected]

Sir,

I had invested Rs 10,000 in ICICI Safety Bonds in February 2001. Application No C1885750. But, I have not yet received the maturity payment for the same.

Meanwhile, my postal address has changed. Could you please help me with getting the maturity amount?


Thanks & Regards

Vikas K Solegaonkar

802/A, Sitavihar, Naupada, LBS Road, Thane - 400602

The below are the details:

# Loan application number : 61021520
# Name of the agency and executive: JMC Branch - Mr. Nilesh Bhagchandani
# Contact numbers of agency and executive : [protected]
# Location of the agency : ICICI Bank Limited, JMC House, Near Parimal Gardan Ahmedabad
# Date of documents submitted : 25th Jun -2010

Issues:

1. They did not intemated me before debited my cheque of processing fees as committed @ the time of application... and Mr. Nilesh bhagchandani and Mr. Ajay apologized for not giving me any intemation...
2. They told me about insurance of my home but didnt tell me the amount and today they are charging me appx 35000 as home insurance and .5% processing fees on that amount.... the same thing has not conveyed me @ the time of application...

These are the only examples...

After that Mr. Ajay Menon came into picture and I explained all incident to him and asked for terminate my file as I was not satisfied with the customer support... he told me I'll escalated your request and get back to you, but didnt respond me afterwords...

Hi Team,

I am an ICICI Bank credit card user and i recently came to know about consumer complaints so i am launching this complaint in this forum hoping it will help me or any other victim of ICICI Bank.

I was a regular user of ICICI bank credit card and never defaulted the amount in 18 -20 months period. One of the month due to some financial adjustments i was not able to pay the credit card amount, from that month i stared getting recovery calls from ICICI bank and i informed them that this month due to some financial adjustments i was not able to pay the amount so i will be paying it next month with all the due charges. After this conversation the ICICI bank agent stated abusing me and started giving bad words. The statements which he used was "If you are incompetent to pay why are you using the card". He also abused me on parents name.

Since that month ICICI Agents are coming to my place and harassing me my old parents, due to this if something happens to my parents ICICI bank will be responsible for this.

Scenario 1:
One of the executives came to my house and informed my parents that we are going to seal your residence in an hours time so take out all your belongings and be ready.

Scenario 2:
Next month one of the executives called me and abused me on my religion saying people belonging to your caste are always in the defaulters list. The name of the person was farhan and his contact number is[protected].

Scenario 3:
Next month one of the executives called me and said that we will be getting police to you place and will be arresting you so be ready.

Scenario 4:
Next month one of the executives called me and said that you have been called to our ICICI bank head office which located at Bhandarkar rd, Pune. As per him i went there and met Mr. Paramjeet Sing (Head of recovery department), instead of listing to me this person was only interested in the payment and statement he used was "Whatever happened to me is not my business the only concern i have is payment, just tell me when are you making the payment"