ICICI Bank Complaints & Reviews

Sir,
For your information i was having a credit card no.[protected] and it was being used by me till year 2009 and i was having and outstanding amout for which i got a call and there executice came to me and i paid rs 5000 and they told me that now there will be no charge taken from me as this will be the final amout but after that also i was getiing the statement having the addition of late fees and interset and than they proposed me for the full settlement by call and send there executive to me whom i paid Rs 1400 rs and also got settlement letter also but after some time they againg started to send the statement with the due amont which was actually only late fees and interest whjich i already paid to them and when i claimed to them by showing the settlement letter they told that this is fake as they not gave me the receipt they only gave me letter while settlement so i realized my fault once again and asked them to tell me the payment to be paid and they proposed for settlement by paying Rs.2400/- and i became ready but when they came to know that i am having salaried account no.[protected] in ICICI they blocked my accout and done stop payment for the harrasment and than Mr N Agarwal a manager of recovery division who is at 5th floor of ICICI bank at derby center parade kanpur asked me to pay either 7000/- rs for the account unblocking or to pay a fixed percentage to him for make settlement as he only proposed me for settlement and and assured me for it but afterwards he gave me a letter in which he declined the proposal by saying that they cannt do . But if there was not a procedure of settlement than why did they proposed me and send letter. But as i was not ready to give any amout to any person so i gave the whole amout in which about 2300/- was my usage and rest was late fees or interest whic they were telling not to pay before they were unknown about my salary account.
Sir i only want to know that please ask them if there is no procedure of settlement than why they done it before for which they gave me letter and after that thsi year why did they proposed me for settlement before knowing about my salaried account in ICICI and on which behalf they declined the offer of settlement which i was ready to pay.. Why this dual type of services are being provided to there customers that for outer defaulters they do settlement but for customers they block there account harrash them and than either they ask for bride percentage or they use to deduct the payment from saving or salaried account.. Sir waiting for your valuable reply and action.
Thanks
Regards
Gaurav Shukla
Account no.[protected]ICICI bank)
contact details-([protected]) kanpur
email id- [protected]@yahoo.com

The following is the letter of complaint sent to ICICI Prudential Life Grievance Cell :

Dear Grievance Cell, re: Special Claim for harassment and loss

I write this to find out what claim am I entitled to on account of harassment and loss to me caused by your untrained staff and your damaging systems.

I am indeed very harassed over the last three months by the wrong commitments made to me by officers of different offices of ICICI Kolkata . As a result I have landed in financial troubles in terms of loans and borrowings, when my own money should have been readily made available to me.



1. On the 27th of March I went to your ICICI , AJC Bose Road office to find out about the status of my Life Time Super Pension Policy No: 05600950. I was told to stop the payment for the policy and instead take a new policy by the name of Pinnacle. I declined.

2. I enquired about the redemption of Life Time Super Pension Policy No: 05600950, and I was told to pay 2 more premiums till, May 2010. I went in May and I was given a PAYOUT form to submit in 1st week of June 2010 Since I was to get money by the 10th of June 2010, I made my financial arrangements accordingly. I went in the 1st week of June 2010 and I was told it is not possible and I have to pay one more month premium. Which I ultimately paid.
Feedback : Why are your staff not trained on the products.

3. Since the person was not able to solve my problem , I went to JL Nehru Road Branch and met Mr. Nirmalya Auddy, to find out where I can get it done. He spoke to someone at your ICICI HO on phone, and told me that he will do it in 4 days. Again I re-arranged my financial arrangements accordingly.

Feedback : when an executive cannot do it why do they have to lie.

4. I met him the next day and he told me it will not be done. I had to borrow money to cover up my expenses.

5. Your respondents on email were not able to help me either despite my repeated complaints, which you can check with the customer care department. When I put forward a query , they would reply on some other totally irrelevant topic , most of the time, especially “ we will respond to you within 6 working days”. In this age that is a century.

6. Feedback : Your service department is not functional and is totally irrelevant.

7. Getting no suitable help from customer care department via email [protected]@icicprulife.com I was forced to contact other offices of ICICI to get some help.

8. Lastly I went to 38, Chowringhee Road, Kolkata – 700 071. Hoping that this time, atleast I will get help. Mr. Subhankar Ghosh helped me with the payout form and promised me that it would be deposited on 30th June 2010. I met him on that date and he promised that he would deposit it today or tomorrow, where I can get the highest value. I met him again on the 6th to confirm and he said it has been done on the 1st of July 2010. I was happy.

9. I received a call from HO( I was told that the call is being recorded) on the 30th of June 2010 , guaranteeing me that the redemption amount will be transferred to my account in four days.

10. When the amount did not get transferred to my account, I met Subhankar again and I was told that it has been deposited on 1st July2010. I asked for the acknowledgement slip and I was told it is an online one. I repeatedly met him to talk about the redemption and transfer of money to my account. But felt there was something wrong.

11. I kept on repeatedly writing to [protected]@iciciprulife.com regarding the redemption and transfer , mostly getting irrelevant response,

12. I received an email response that the money will get transferred on the 16th of July 2010.

13. On the 14th of july 2010, I received a call from your HO no: [protected] at 18.58.38 p.m. stating that the policy was deposited only on the 8th of July and not the 1st of July 2010 , as told to me. And the payout will be made in 2 days time, i.e. the 16th of July 2010.

I am sure now you will definitely agree that I have been thoroughly misinformed from all sides, leading to tremendous harassment , unnecessary running around and monetary losses as I had to loan money to meet my expenses..


The Final Question : I therefore request you to inform me what special claim I am entitled to ? …… for the undue harassment and financial losses I had to incur on account of the untrained staff, inept systems, false commitments, delayed service , irrelevant email service through [protected]@iciciprulife.com. I , as a customer should not suffer on account of ICICI’s faulty systems.

Kindly get in touch with the customer care department, check my emails and their responses, and listen to the recorded conversations between ICICI Head Office Customer Care Cell and me , and then assess what additional and special compensation I am entitled to .

Yet to receive Form 16A till date (11.7.2010) though the last date for filing return is 31.7.10. True I didn't respond to your letter (Ref. No.F/P/E/4270 dt.8.5.10) by sending Form 15 G/H within the stipulated date simply because I am an income tax assessee and hence ineligible to claim any exemption for TDS. That doesn't preclude you to deduct tax and send Form-16A. Since it is quite late, kindly send a soft copy by email followed by a hard copy by post/courier.
Thanking you,
Yours faithfully,
Dr. Ashok Kumar Das, Tel:[protected]/ M-[protected]
111 (3556/1798), Ratnakarbag-1 Email ID: [protected]@yahoo.co.in
Tankapani Road, Bhubaneswar-751018

sir,
i am ritesh gupta. i want to make you know that earlier i was found defaulter in icici credit card facility. Thereafter i contact to bank for solving my matter. As a result of which i have received non objection certificate from bank.

Also i want to make you know that when i had applied for home loan in Bank at that time bank had infomed me that my credit status as per your records was came in defaulter list, but at that time i have already cleared my matter i.e on[protected] in ICICI BANK ,that indicates me that you have not been update my record .

so i humbly request you that please clear my credit status so that i can apply for loan

your quick response for looking in to my matter will be highly appreciable.

thank you
ritesh gupta PAN NO.:- ADKPG5488R
jodhpur (raj.) E-MAIL :- [protected]@yahoo.com

I LOST MY ICICI BANK DEBIT CARD ON 10.07.2010 AT 8.00 PM. I REQUEST YOU TO BLOCK MY CARD IMMEADIATELY

Dear Sir/Madam,

The ICICI Bank Car Loan Account number is LADEL[protected].

I HAVE CLOSED MY Loan on June 08, 2010 by paying the late charges.
Foreclosure Statement as on May 31, 2010: Rs. 488,916.68.
Total Amount Paid through DD number: 140625: Rs. 4,90,128.


The ICICI Bank Branch where I gave request is: DLF Phase-1, Gurgaon, Haryana.
The Demand Draft submitted to Mr. Manoj Thakur at the same branch who had issued me the Foreclosure statement prior to close the loan.

All of sudden, I came to know that the loan account has not yet closed.

Could you please look into this matter with the utmost priority as I have not getting any response from ICICI after clearing all my dues.

I have attached the Foreclosure statement issued by ICICI Bank and the payment receipts for the same.

Regards
Vikram Anand
Contact Number: +91-[protected]

Dear Sir,
I was having Icici tax saving bonds-012005-TSB-TWO,which were alloted to me on 11/03/2005,having Bondholder
no.[protected] and certificate no.-50021 and distinctive nos.[protected] bonds) in the name of MONA PRASHAR.Redemption date was 11/03/2010.I got the redemption amount Rs.39,180/-(Thirty nine thousand one hunred eighty only).It seems that you have deducted TDS of Rs.1,020/-(Rs.one thousand twenty only),but i have not received TDS certificate and the same also is not reflected on the Income Tax site on TDS depositd.You are requested to send TDS certificate to me at the given address below and also update the same on income tax deptt.Once again i am attaching herewith my PAN Copy.
Thanking you in anticipation.
Yours,
Mona Prashar
1175,Universal Enclave,
Sector-48 B,
Chandigarh-160047
(U.T)

I Arvind Kumar Rai Sharma had purchased 05 Tax Saving Bonds on 30.04.2005 with the below mentioned reference:
Bond Holder Reference:H[protected] & H[protected]
Redemption Date:30.04.2010

Address at the time of Application: Arvind Kumar Rai Sharma
Bihar Caustic & Chemicals Ltd PO Rehla Dist. Palamau
Jharkhand 822124

Current mailing Address: Arvind Kumar Rai Sharma
Manager- Materials
Ultratech Ceme nt Ltd. P.O. Kovaya 365541
Dist. Amreli -Gujarat

I am Mr. Sunny Kala working with NDPL. I am having my Salary account with ICICI bank, whose account no is[protected]. One year back I booked railway tickets from my ICICI credit card then after a month I cleared that amount as well but after 6 months I got a call from your credit card department they were saying that my credit card amount is due I told them that I have already cleared that amount. Then today (10th Jul’10) when I checked my debit account it showed me a debit of Rs. 8000/- . I check my account details through internet baking but it was not showing any transaction. I called your CCE he told me that this transaction is made for non payment of my credit card bill. But I am not getting that why this particular transaction has been made as I have already cleared my credit card bill.

A strong action should be taken for these silly things as it causes mental harassment. If ICICI bank will not do any thing on this I will definitely drag them to the court. This is not at all acceptable all time.

Look into this ASAP and get back to me.

Sunny Kala
Mobile no: [protected]

> On our : PLATINUM CREDIT CARD NO.[protected]
Statement Dt Jun 29,2010
we cancilled tickets of Rs 12654.00 out of the same we use ATM for withdrawal of our Cr Balance Rs 12500.00. You charge a fee of Rs 312.50 + ST Rs 32.19.
How you can charge for withdrawal of our credit balance I am not using your cash withdrawal

I want to file a complaint against ICICI bank as there were Fraudal online transactions from my account due to failure of ICICI bank online security system.
Trailing mails shows the compete history of my case.
Kindly guide me that how can I get my money back.

Regd's

SAURABH GUPTA
For
JAYPEE ASSOCIATES LTD.

--- On Fri, 11/6/10, Mr saurabh gupta <[protected]@yahoo.co.in> wrote:


From: Mr saurabh gupta <[protected]@yahoo.co.in>
Subject: Fw: RE:'ICICICARE=[protected]' fraud transaction from saving account
To: "ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
Cc: [protected]@icicibank.com
Date: Friday, 11 June, 2010, 1:22 PM




Regd's

SAURABH GUPTA
For
JAYPEE ASSOCIATES LTD.

--- On Fri, 11/6/10, Mr saurabh gupta <[protected]@yahoo.co.in> wrote:


From: Mr saurabh gupta <[protected]@yahoo.co.in>
Subject: RE:'ICICICARE=[protected]' fraud transaction from saving account
To: "ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
Date: Friday, 11 June, 2010, 1:11 PM


Dear Mr. Deepak,
As in the trailing mail you asked me for 5 more days for your process which have already passed and I have not recieved any detail from your side.

I am finding that your bank is not supporting me as they can. I demanded for the details of POOL ACCOUNT of dealer through which the money was transfered to vodafone but your branch representatives always say that they are trying for details.
I do not understand wether it is your procedure or negligence of your representative but definately in both the cases it will force me to go for legal way & media to get my money back from your bank.
As it is definate that security of your bank has been cracked and there is no fault of end user i.e. me, so you are kindly requested to provide me the account detils of dealer of vodafone so I can process the Matter LEGALLY and with the help of media.


Regd's

SAURABH GUPTA
For
JAYPEE ASSOCIATES LTD.

--- On Fri, 4/6/10, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:


From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' fraud transaction from saving account
To: "Mr saurabh gupta" <[protected]@yahoo.co.in>
Date: Friday, 4 June, 2010, 2:21 PM


Dear Mr. Gupta,

We value your relationship with ICICI Bank.

We assure you that your concern is of top priority for us.

We will respond to you within 5 business days.

Sincerely,

C Deepak
Customer Service Officer
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."

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: Mr saurabh gupta ([protected]@yahoo.co.in)
Date: Friday, May 07, 2010 11:40 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Cc: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: fraud transaction from saving account

Date:[protected]

To

The Branch Manager

ICICI Bank



Dear Sir



Sub: Fraud fund transfer through my Savings account no.[protected]



This is with reference to complaint no. SR[protected] registered to ICICI bank customer care on 3rd May 2010. In which I have informed the bank about fraud payments from my bank account without any information to me. I have also given the written complaint to the branch manager of my native branch (sec-63 noida).



Since more than 72 hours have passed and no action has been taken by bank authorities.

I have not received any enquiry or information call from the bank.



I would like to mention that:



1 I have neither received any call from your bank about such transactions being done as it was not usual transfers from account.


2 Total sum of Rs. 46,169.00/- has been debited from my account without my knowledge.



In the light of above, I think that this is harassment by the bank upon me.



Despite all that, I am willing to get resolve the matter with the bank. In this respect, I request you to first of all provide us with the complete details of the transfers and account numbers where the transfers have been done.



I went to the ICICI Bank Branch at Sec 63 noida met Mr. Anand over there and he told me that the transfers have been done to Vodafone through Internet banking, same was told to me by your customer care when I registered a complaint. But when I made a call to customer care cell of ICICI bank on 5th May 2010 to get the status of my complaint your representative told me that transaction have been done to some personal account and not the Vodafone and bank name and account have not been updated yet.


I have also instructed by Finance Department to look into this matter since it’s a corporate account and have strongly recommended them to close the dealings with ICICI Bank and the same will be recommended to my friends and relatives who are holding any type of relationship with your bank



I would request you to reply back to me in writing within 7 days failing to which will force me to launch a complaint with the consumer forum.



Thanking You




SAURABH GUPTA
For
JAYPEE ASSOCIATES LTD.





<<My response.doc>>

> ON Our CREDIT CARD NO [protected] WE USED THIS CARD LAST TIME ON 27.07 .2008 AND BILLED ON STATEMENT OF JULY 30,2008
FOR RS 1883.35 FOR WHICH WE PAID RS 1884.00 ON 14.08.2008 BY 2 CHEQUES AND 1 CHEQUE ON 16.08.2008 . So there was no Dr balance regarding this card
Also we Have a Cr balance of Rs 00.65 against this card
You show balance of Rs 00.91 in statement of Dec 29,2008 And also charged Rs 49.00 + service tax of Rs 5.05 that also we paid on 16.05.2009 by 3 cheques
of Rs 4177.00 that charge reverse on your statement Dt June 29,2009.
Also in statement of Aug 29,2009 You Dr Rs 00.55 and Cr for same why.
But I am afaried by looking Statement of Jun 29,2010 You create a Dr of Rs 00.64 and for which you charge Interest of Rs 5.43 + S T 00.56
So you are requested to Reverse All these Charges At your early and also insure that should not present in our statement in future.

Dear Consumer forum,

Sir on 21st may 2010, I try to withdraw Rs 5000/- from Union bank ATM at Sahara Mall Gurgaon, but transaction was failed because of errror in ATM machine. I got the error slip from the bank & no money.

No money was debited from my account as I actually I dont get aby money because of error in ATM machine.Everthing was Okay till 10th June 2010.

On 10th June I got debit notemessage from from ICICI Bank of Rs 5000/-, when I checked the same on my net banking it shows the debit note in accordance with the failed transaction done on 21st May 2010.

I contact ICICI bank customer care & make request in that regard( Request No[protected] on 11th june 2010) BUT AFTER 12 WORKING DAYS BANK TOLD ME THAT MY REQUEST WAS REJECTED , I contact nearest branch in that regard, they told to MAKE A FRESH REQUEST (SR[protected] on 5th july 2010) TO ICICI BANK customer care & again rejected.

Sir, Pls help me in this regards as after so long processI havent got my money back.

Internet bak stataement is attched for you kind reference.

My Account No :[protected]


Thanks & Regards


Deepak kumar
[protected]

Dear sir / madam

I had has given call for the follow up for above said consignment on 5may on the basis of sms received, but there complaint of not keeping miss you card at the door step.I had also get the address confirmation from bank as well as with your dept which is correct.

Please deliver the courier as early as possible to avoid any missuse of the same.

Thanks
Rakesh.P

Bank Says they have misplaced my FD which I submitted for renewal.
FD no is 333H0053109
On top of that bank doen't have any record on computer.
I am following up with bank's operational manager at Kondhwa Branch however answer is couriour guy has misplaced my FD
There is no record of my FD in ICICI bank

I wonder how this banks work ?
I don't want to keep any money with ICICI
When will i get clear picture and get my money back?

The new issue with icicidirect as per the message on the website is that the amount of traffic exceeds the Web site's configured capacity.If the so called "biggest private bank" group can't handle the traffic why do they take so many customers...if the IT capacity is not manageable then stop opening up new demat accounts for new customers...that will spare all o[censored]s the frustration n irritation caused by this poorly managed web enabled trading facility...ANyways, after the poor show in last few days many o[censored]s will move to other brokerage houses...For people like me, who are outside india....will have to bear the torture for few more days, months till we come back to india and switch accounts...but of course it will now be my "priority no 1" to switch my account the moment i land in india...this icici group is full of jerks and incompetant [censored]s. ...who don't even deserve half of the brokerage fee charged by them...

ICICI BANK OR ITS DEMAT DEPARTMENT KEEP ASKING FOR RESUBMITTING OF KYC DOCUMENTS GIVING SOME EXCUSE LIKE FLOODS OR RBI GUIDELINES ETC. THEIR WEB SITE IS NOT AVILABLE FOR TRADE AND DESPITE SPEAKING TO THEM THEIR PERSONNEL KEEP RINGING UP AND DISTURBING US POSING AS WEALTH MANAGERS ETC. i AM SURE RBI DOES LAY DOWN ANY INSTRUCTIONS FOR TAKING KYC PERIODICALLY. IF SO THEY HAVE NOT QUOTED RBI CORRECTLY WITH THE REFERENCES

icicidirect is really pathetic...web based trading service provider is truly an inefficient service provider....most of the time its website is down or too slow to place any order...realtime trading is a distant dream as far as icicidirect is concerned...the website has been down for past two days and day traders have lost huge money....i have not been able to place any order yesterday and unable to cover my position and book some new orders...this is outrageous and frustrating that despite paying so high charges (highest in india) one has to face such downtimes for so long...

My request to higher management at icicidirect---please do sth abt it otherwise investors like me will have to switch accounts...

Aditya

ICICI Direct was down for the complete day and no trading been done from my end. I was supposed to sell my Nifty options at 5300 call and buy 5200 put which unfortunately can be done due to network failure. Who is going to bear this loss?

Dear Madam/Sir

Really bank is cheating to the customer and they committed to do the lien removal today but nothing is happened
as per the collection people asked. i paid the cheque on 28/06/2010. then my account has been blocked then i paid cash Rs. 10500 on 01/07/2010 as per their requirement.

i given the request for last three month for EMI conversion for my outstanding amount. after i paid cash only they given the request for EMI conversion and they given ARP plan monthly emi of RS 3147 and i got the confirmation from bank also on 3rd july 2010.


After all the prcesss they committed to do the lien and they told lien removal will be happend on monday but nothing happened. then they told it will happen on tuesday, and wednesday keep on.


i having huge commitment if you are holding my account what to do eventhough i paid properly for my credit card. i am getting falls commitment keep on kindly help me to sort out this issue today itself and do the needful for the same.

Warm Regards, R.kamaraj
Sales Manager-Banca
Reliance General Insurance Co. Ltd.
Chennai 2- Branch
Mob : [protected]
www.reliancegeneral.co.in

----- Forwarded by Raman Kamaraj/RGIL/RelianceADA on 07/08/2010 01:12 PM -----
Raman Kamaraj/RGIL/RelianceADA
07/08/2010 10:59 AM
To
customer.[protected]@icicibank.com
cc

Subject
Fw: Misusing my saving Bank account[protected]






Dear Madam/ Sir

Call center people and bank people are giving falls commitment that they told me to do lien removal on monday then tuesday then wednessday keep on but nothing is happening from your end.

i have huge commitment if you are holding my what to do totally i disappointed about your service kindly do the lien removal immediately today at any cast do the needful for the same.

my saving bank account no .[protected]


Warm Regards, R.kamaraj
Sales Manager-Banca
Reliance General Insurance Co. Ltd.
Chennai 2- Branch
Mob : [protected]
www.reliancegeneral.co.in

----- Forwarded by Raman Kamaraj/RGIL/RelianceADA on 07/08/2010 10:55 AM -----
Raman Kamaraj/RGIL/RelianceADA
07/02/2010 06:29 PM
To
customer.[protected]@icicibank.com
cc

Subject
Misusing my saving Bank account -





Dear Sir

Credit Card No [protected]


Suddenly the bank has been blocked my saving bank account and they are holing my entire money of rs. 34000. last two months i am requesting emi conversion and ECS updation but nothing is happening and your collection team person also told once updated then we will collect all the pending due amount that is why delay is happened for last two months. kindly see my fast record i am paying the premium properly last 8 years.

Till Now i am not facing any problem from your side and i am also not putting complaints regarding icici bank credit card. Last month itself i paid cheque (cheque no 276922)of rs. 10400 on 28/06/2010 to the collection team but suddenly blocked my account without intimation. once blocked really i socked then i spoken with collection team they told to pay minimum amount due to release my saving bank account then i paid cash of Rs.10500 on 1/07/2010. aleady i given the request to convert into emi and they explaint ARP plan for 18 months emi amountRs. 3147 i accepted. (Ref No[protected].

They assured to release my account today but still not released i am facing huge problem kindly unblock my saving bank account. kindly do the needful for the same.

Regards
R.kamaraj
[protected]


Warm Regards, R.kamaraj
Sales Manager-Banca
Reliance General Insurance Co. Ltd.
Chennai 2- Branch
Mob : [protected]
www.reliancegeneral.co.in