ICICI Bank Complaints & Reviews

My name is Sujan Kumar Das. I took Home Loan from ICICI Home Finance against balance transfer, amounting to Rs. 1,68,000.00. from HDFC. My LOAN ACCOUNT NO. LBCAL- [protected]. Recovery of the said loan has been completed in the month of August, 2010.i.e. EMI for the month of August, 2010 has already been recovered on[protected] from my bank, SBI, Purba Putiary Branch, Kolkata - 700093 under A/C. No. [protected] as per the Bank Pass Book record.. It now becomes obligatory on the part of the ICICI Home Finance to return the mortgaged deeds forthwith as there is no dues lies from my side to ICICI Home Finance.

I had to pay Credit card payment of 15,449 for month of July. However , While paying , somehow I was under the impression that I had to pay 15,300 and made that payment 10 days before due date. However when I received the next Month CC statement , it said intrest of late payment as INR 890 .
On enquiring , I found that that done calculated intrest on 15,449 and that is riduculous ! for payment of 149 remaining I had to pay payment of 890.
Customer Service tried to explain me that it is mentioned in terms & Conditions. I mean I have been a customer of ICICI since 2002 and since then I never defaulted on payment and all payment on time. And this ICICI Bank is Loot Bazaar .

Hi,

We want to bring this to your notice that we have disputed few charges for which ICICI had charged my credit card. Its such a shame that a bank of their repute has gone to such level. I had called them in the month of April blocked my card and disputed my charges. I informed that as per my calculation your bank has charged me extra 2000 kindly look into it and revert accordingly. Phone Banker informed me, I am putting forward your request and our concern team would get back to you. One month I waited no call. I called back to enquire about the status, they said they would take 90+ working days to revert.
After a month later, I start getting calls on my phone from their collections team and people are so rowdy and dont have manners to talk. They are asking me to settle the bills. I informed them that clarify with your bank first I have disputed the charges. These collection team are also calling on my sister's number and asking her to settle the payment. Inspite, of repeteadly telling them that we have dispute the charges and your bank is suppose to revert to us on this, these guys still end up calling us rather then confirming with the bank.
Bank sends me a letter that I need to make the immediate payments. When I called bank they are saying, the IRCTCS settlement is in Bank's favor. Funny thing is, when I was asking them the details they said you are not able to verify your security details, just cuz I was not able to tell them how I did my last payment. To verify that I am the person who owns the call, they wanted me to give the mailing address of my office for which I worked 8 years back. After too much of argument, they said, we tried calling you but you were not reachable. We wanted to inform that the charges are towards bank's favor. Isnt is strange? Their collection team is calling us since last 2 months and the bank guys are not able to call me and bank itself informed me they would take 90 days to revert in April.
When we called them again today to give us the transactions ID of canceled reservations for which they are charging our card, they said they can’t provide me with because they have forwarded my re-dispute again. Don't I have the right to know the transactions ID. It’s my credit card and you are charging for undue payments and now you are denying me the right to know the details of my own cards? In the end, phone banker Mr Anjan (phone banker) didn't provided me with any information for which I have all the right and I needed this information to cross verify the details with my IRCTC resevrations and send it to bank, because the details which I got from IRCTC shows that the reservations were made of certain amount and doesn not add up to what bank is showing in my credit card statement.
I have used their cards since last 8 years. I have made all the payments on time. If I had to do something of this level, I had all the choices of doing it for transactions which were high in amount.
It’s a shame that the bank of this repute is behaving so unprofessional with their own loyal customers.
Kindly look into this. In case any document is required, we would be more then glad to provide it.

Regards,
Richa.

Dear Sir,
The fake transaction of 35000/- in favor of TATA-AIG INS from my ICICI Bank credit card on 16 June 2010 has been done. I have informed the customer care at same day. Two months has gone and complain is still pending. Please take a action so that such type of activities will be stopped.

Aniruddha
Delhi
Mo: [protected]

Dear Sir,

Self had taken a personal loan of Rs.2,46,000/- in Oct 2007 (Loan A/c# LPTNE[protected]), had been regularly paying through ECS mode(from my ICICI Bank Savings Account) with ECS date on 05th of every month. Have noticed that a couple of times if the balance is not enough then whatever balance I have in my account gets deducted without my consent. In present case my August ecs got delayed due to shortage of funds &...

This is serious issue by the bank staff making the wrong statement while transferring the credit amount to my client bank account.
On date 10.08.2010 i deposited a cheque from my account which has to be deposited on the same date to my client account. I got the receipt that the bank staff deposited the amount of 5000/- INR on the same day. But the issue is the bank staff make a wrong entry with my Actual name, Instead of Amit Kamlakar Shende they entered Amit Kamlkara Gupta, with no transaction detail on my client account, as when i depositing the amount by cheque, my name account number is clearly mention on the cheque leaflet. Also when submitting the cheque i fill-up the deposition slip with correct entries. I argue with my client that i deposited and showing the payment slip of deposition, my client not agree with me and says that no payment has been done on that name. I report to bank staff, the bank staff said that the amount is deposited and it had reflecting to client account. When My client shows his account statement, I found that the mistake was done by bank. And they are not accepting their ignorance. I have the proof of payment detail of deposition slip with my client account statement image. As i hope this complaint will executed and the bank should get fine or punishment for their Negligence.
Along with this complaint i Attach the image from my client where the wrong entries had shown the bank Negligence work.
I request you that Please claim the bank for their negligence and should give a satisfactory answer with guilty later.
Amit Shende.
[protected]

It was ridiculous for an manager (Jonathan) of ICICI Bank to ask me to leave the bank in the middle of a discussion. He was not open to listen to us either. We were pissed off when they treated a customer like this and not ready to explain about ECS process. It was too bad. If such Jonathan's exist, ICICI will loose all its valuable customers & will be bankrupt soon.

Dear Sir

My account no is[protected] at ICICI Bank, Sector-18, NOIDA Branch. On 7th August’2010’ from my account Rs 50,000/- (Fifty Thousand) is transferred to another account through internet, Account detail has been identified by one of the employee at ICICI Bank, Sector-18, NOIDA Branch as:
Account No.:[protected]At ICICI Bank, Prabha Devi Branch, Mumbai.
Name: Mr. Abhimanue Gopal Singh.

Same day (Dt: 07/08/2010) I have log the complaint at ICICI Bank as well as lodge FIR at Police station Secto-20, NOIDA (U.P.).
My ICICI complaint service request No is SR[protected].
ICICI Customer care has blocked my account for any transaction after my complain
Till now I’m waiting for my money and no body at branch want to listen about my case and no one is ready to guide me to take next step to get my money back.

Kindly help me to find out the culprit & get back my money soon ASAP.

Thanks and Regards

Deepak Kumar
+91-[protected]

sir,
I am VIJAYAKUMAR,CARD NO IS [protected],ICICI CARD,USING PAST 6 YRS AND MY OLD ADDRESS 48A GANESH NIKETAN,SASANE NAGAR,KALEPADAL ROAD,HADAPSAR,PUNE..HENCE MY CARD WAS LOST AND I HAD BLOCKED MY CARD.AFTER THAT MY ADDRESS HAS NOT UPDATED TILL DATE .MY NEW ADERESS

37B KOMARIPALAYAM,MOHANUR VIA
NAMAKKAL DT
TAMILNADU.

WITH REGARDS
VIJAY

This is regarding Icici Bank Credit card no.XXXX1000 as shown in my CIBIL credit report that there are 14380/Rs Overdue in this card, but I do not have this card.

I discuss the matter with Mr. Mamuduri Ganesh on 29.07.10 date on customer care phone helpline at 3:10 PM & he told me that Icici bank have not issued any card of this no. & its not possible to show this credit card no. in CIBIL report. He told me that I will generate your cibil report & sort out the matter in 5 days. He gave me req. no.[protected].

I again call the customer care helpline on 04.08.10 date at 3:50pm (Ref. No. SR[protected] & discuss the matter with Miss Lalita. She told me that Mr Mamuduri Ganesh have not uploaded your report & I am sending the reminder to Mr. Ganesh to upload your report. Please call after 3 days.

I again call the customer care helpline on 06.08.10 date at 3:15pm (Ref. No. SR[protected] & discuss the matter with Mr. Vikas. He told me that Mr Mamuduri Ganesh have not uploaded your report till date & I am sending the reminder to Mr. Ganesh to upload your report. Please call after 3 days.

I again call the customer care helpline on 09.08.10 date at 2:30pm (Ref. No. SR[protected] & discuss the matter with Mr. Hero mawani. He told me that Mr Mamuduri Ganesh have not requested for your report, please give me your Pan No. so that I can request for your cibil report. I was totally shocked to hear this because it was totally different what Mr. Vikas & Miss lalita told that Mr. Ganesh have not uploaded your request.
I am confussed now that Mr. Vikas & Miss Lalita were telling a lie or Mr. Hero mawani is telling a lie.

Yours truly,

Devender Kumar
Phone no. [protected]
H. No. M4/27 (park side)
Second floor
Model town 3
Melhi-110009

My NOC certificate form ICICI has been desp on 30th of July 2010 vide Way bill No. AWB [protected] but till 9th of Aug.2010 it has not been delivered , trying to contact the cusomer care number but it seems to be so busy that all the 24 hrs only one message is repeating that " Customer Executive is busy " , Some local courier also take effort to call the Cusomer on his Mob no. to confirm his address before marking the document as un-delivered, but in u r online tracking system doument shows undelivered and reason mentioned that Pin Code is not been mentioned , I dont understand that without Pin Code number on the documnet why did ur representative pick the doument from Consingnor...

Is it the way to Courier service operate , how could ICICI bank depend upon u.................?

Chandrashekhar

Location: vadodara, Vadodara, Gujarat, India

Posted:[protected] by PPB_7007 Send email


closing of current account
I have a Current Account with ICICI Bank Manjalpur, Vadodara Brach, few days the account went irregular reslting into charges of approx 2,200/- I approached to bank and asked to close the account where by they asked me to pay the debts / charges and run transatactions in the account.

They also advised that once the charges are paid they they will reverse those charges very next month. I have paid the charges but till date those charges are not yet reversed and the account is incurring huge new charges. I approached the Bank and asked to close the accout for which they are not listing and aking for more payment to close the account. The account has remained unused and incurring heavy charges without any fault on my side. Pls guide me what should I do now and how should I avoide such un-necessary charges

Dear Sir

My account no is[protected] at Dombivali Branch. On 4th May 2010 from my account Rs 1,09,000/- ( One Lakh Nine Thousand ) is transferred to another accounts through 11 transactions of net banking facility. i have log the complaint at ICICI Bank as well as Thane Cyber cell Through Manpada police station. Directly Cyber cells are not entertaining complaints of cyber crime victims. My ICICI complaint service request No is SR[protected].

Till now i am waiting for my money and no body at branch want to listen about my case and no one is ready to guide me to take next step to get my money back. Over all Bank is not at all cooperating for this matter.

Kindly help me to find out me the actual culprit.

Thanks and Regards

Ramesh Lingashetti
[protected]

I had invested Rs.12000/- in Money Multiplier Bond-MMB-0798-Three issued by ICICI Bank, these bonds were due for maturity on 17/01/09, but unfortunately I did not receive any communication for submission,on July 24,10 I sent an e-mail to M/s.3-i infotech the consultant of ICICI bank , who flatly replied that bonds are already redeemed on 10/01/09 and cheques were sent to me. As on date I have not received any cheque simultaneously the bank on which cheques were drawn is closed since Dec.2006. This fact was drawn to the notice of consultant who now ignores my e-mail and my money is eaten up by them. I have lost all my faith in any bank especially ICICI bank for doing such a cheating practice as matter of fact how they can redeem bond by not calling back. I am still holding original bonds.The details are given hereunder;

Bondholder No Certificate No Distinctive No Name of Holder
4097-282 11331 24679 Nemi Amit Patel
4097-283 11332 24680 Jyoti Amit Patel
4097-284 11333 24681 Amit Nagjibhai Patel

I hope this will be sufficient for taking my case to appropriate authority and help me to get my money back. My e-id: [protected]@sify.com
contact: [protected]
thanking you for allowing me to post my problem on your forum site,
___ Amit Patel, Vadodara

Sir,

I am Kishore Vasudevan and this complaint pertains to a grievance against ICICI bank credit card division for blocking my savings account against a card to which I have paid all my dues in December 2007.

Bank account number[protected]
Credit card number [protected]

I had cleared my due of 75257 as on December 2007 (which includes the regular outstanding and the EMIs) for the credit card and stopped using it.

The total due amount of 75257 (which was said inclusive of all the charges of the bank) was told by the customer service, when I inquired about my total liability towards the card, to make it zero.

The January 2008 statement showed a credit balance and did not inform me of any dues to the bank. I inquired about the credit balance mentioned in the statement and I was not given proper explanation and I was told it would be under process and to ignore the statement if I have cleared the dues.

As I was confused about the continuous statements which showed the credit balance I once again inquired about the same in November 2008 and I was not given proper explanation and moreover, I was not informed about any dues pending from my end.

After this call I ignored all the statements which I received as I had paid my dues including all the charges to the bank.

After 2 long years, in December 2009, a lien was marked in my salary account. When I asked for the reason I am informed that I have not placed a request for the Foreclosure of the loan and this is the cause for the charges in the card.

I informed the bank that I have cleared the entire dues including the foreclosure charges for the EMI option and asked the bank for the breakup. After continuous escalation I was informed by the Head Service Quality that there was actually an outstanding of Rs. 6030 in the principle amount when I closed the loan and its non-payment has attracted the bank charges.

My claim regarding this issue is, I was never informed about the outstanding in the principle amount in any of my follow up calls or in any of the collection calls or in the statement which I received after making the full payment.

This is the result of negligence of the bank executives down the line from the executive (who gave me a wrong amount) to the collection executives (which will be always a fresh call without any previous history and failing to give the exact feedback of the issue from the customer to the bank) till the head service quality (who keeps repeating, I did not call or inquire after making the payment even after there is call record in November 2008 ). The humorous part in this is after this issue is already under the preview of “ICICI Ombudsman” and is in the process of getting escalated to “RBI Ombudsman”, I got a collection call from ICICI on Friday March 12, 2010. As usual the executive was unaware of the previous history in the card and when I started explaining the issue to her, she got confused and informed me that she will discuss with her manager and will get back to me in 5 minutes which again did not happen as expected.

The departments in ICICI never seem to work as a team towards handling customer grievances. However, they have marked a lien on a salary account which was opened in Hyderabad in June 2009 against a card taken and closed in Bangalore in December 2007.

The Questions which are not answered regarding this issue by the bank:

1. As a customer I may not be aware of all the formalities followed in the bank. When I make a purchase I get numerous marketing calls to convert it into an EMI; why is the same service not provided when I close the loan?
2. When the bank has received a payment more than which a customer should pay; why there was no inquiry done regarding the excess payment even after having records of my calls regarding the closure of the loan?

The break up given by the bank in February 2010 is as follows:

As on December 27, 2007, the total amount outstanding on your credit card account including the EMI principle, foreclosure fee and applicable service taxes was Rs. Appended the break up:

Particulars Amount
Total amount due as per the statement of December 18, 2007 Rs. 8,705.09
EMI Principle amount due as on December 27, 2007 Rs. 69,079.24
Foreclosure Fee @ 3% Rs. 2,072.38
Service tax @ 12.36% Rs. 256.14
EMI interest Rs. 1,045.23
Service tax @ 12.36% Rs.129.19
Total outstanding as on December 27, 2007 ( A ) Rs. 81,287.27
Payment received on December 31, 2007 ( B ) Rs. 75,257.00
Total principle amount unpaid till date ( A – B ) Rs. 6,030.27



I am unable to understand why the executive informed me of an amount of Rs.75257 if it was Rs.81287 or why was I never informed about this amount till date when I asked a break up for the amount of Rs.75257 to confirm if the foreclosure fees had been taken by the bank.
Sir, the bank did not inform me about the full amount to be paid and Rs.6030 remained unpaid, as per the information received from the head service quality of ICICI bank in Feb 2010. They now require me to pay a whopping Rs.28000, to be able to use my savings account.

Request you to please assist me in coming out of this great financial and mental strain caused by the negligence of the customer care executives of ICICI Bank.

Thanking you,

Regards,
Kishore Vasudevan
Email : [protected]@yahoo.co.in
[protected]

I want to know present position of my policy bearing No. 04352852. and also the type of policy.

Hi,

My ICICI Personal loan account number is:LPHYD[protected] , I could not pay my personal loan installment amount for the last 3 months due to my financial strains I had in my job.

ICICI collection department personnel came last month and told me we shall give you an settlement of 42% waive off on my principal amount, after talking to them thoroughly, they made me hypothecate my wife's gold and gave them INR50000(Fifty Thousand only), they said they would give me the settlement letter the next day.

To my surprise now they say this is not a settlement amount and it has been adjusted towards the installment amount. If they cannot give me an settlement why should they promise an settlement and take this Rs.50000.

One Satish,Rammohan Reddy and Poornam, Collector ID card number - 1247468, had made these promise from the bank before collecting the amount.

One thing I have realized is that this is a bank which makes fraud and false promises to collect money. PEOPLE, BEWARE OF THIS BANK, THEY PRESSURIZE YOU TO TAKE A LOAN AND TO COLLECT BACK THE AMOUNTS THEY GIVE FALSE SETTLEMENT PROMISES.

The same thing happened which I took a ICICI pru life Insurance, last year I paid INR 40000, and took an insurance cover for my entire family, ICICI executive assured us that even maternity is covered. When my wife was admitted to hospital for delivery, ICICI says maternity is not covered in the policy.

I HAVE DECIDED NEVER AGAIN TO DEAL WITH THIS BANK OR ITS COUNTER PART AFFILIATE ORGANISATIONS. Disgusted with Brand ICICI.

Thanks,
Narresh G
[protected]

Respected Sir,

I, Mrs. Seema S. Joshi, Working with Tokheim India Ltd. I am having salary account of above mentioned company with ICICI Bank, Powai, Mumbai. For your information I have account balance of RS 15037.88 /- as on 19th July 2010.

I was unable to do Net banking login on 23rd July 2010. So I have called the customer care service of ICICI Bank for balance inquiry and net banking account status. They said that account balance is RS 140 /- and net banking transactions has been done during mentioned period.

Since I haven't made any of the transactions after 19th July 2010 .Without my notice these net banking transactions was happened for mentioned period .I haven't received any of the communication (SMS, Email ,Phone) from bank for these transactions. So I have registered the complaint with ICICI bank. My complaint number is[protected].
So I request you to do needful in order to get my money back.

I am attaching the details of the transactions.

Unfortunately I do not see any response in resolving the problem from ICICI Bank.

Please help me out.

Thanking You,

Seema S. Joshi

I have been charged an overlimit charge of Rs 500/- in the month of January2010,April2010,And June2010.
THey have reversed the January overlimit charges saying once in a year it can be reversed. but refuse to reverse for the month of APRIL AND JUNE2010 500+500 WITH SER TAX.
I HAVE PAID THE MINIMUM AMT DUE(MAD) MENTIONED in the credit card statement. and they have not mentiuoned anywherve in the statement that after paying MAD ,you are still liable to pay the overlimit charge.
the Card got overdue only due to thedebit of interest portion they debit on last day of generation of Credit card st. ie, 20th of each month.
the card got over due by 300-400 Rs only due to interest charges levied on last day, where as they charged Rs 500/- 500/- in april and june Which exidis beyond the overdue amount./

Hi i got a call from ICICI customer care to convert the outstanding amount on my card in to EMI. in month of June, i denied because i did't required it lator i called up customer care to convert the amount into EMI and i was informed the option is not available on the card but i told them that it is something ICICI have offered they agreed to convert the amount into EMI i told them i would not be able to pay anything in the current month but i'll pay it in August and than i'll go fot the EMI i was assured that i can do that but now when i call ICICI they are denying the same. God knows what is going on with ICICI first they give the offer and than they deny about it when the card was issued they said that the Balance transfer is one the feature on the card but when u need it they say that the offer is ot going on. First false advertisement of the features of the card than no coordination within varous departments they try to drive the customer as per their own ways. My contact no is [protected].