ICICI Bank Complaints & Reviews

Hi,

I have been cancel a ticket from IRCTC.co.in in February but the refund doesn't reflect in my account, for that i have been communicated with IRCTC and they have provided me ARN number by which they have refunded respective amount, and i have communicated with ICICI bank also and forwarded whole chain mail to them and they had gave me temporary credit, but now they have again debit the amount from my CC.

I have copying whole mail below.
Please help..



[protected] Forwarded message[protected]
From: Anil Gupta <[protected]@gmail.com>
Date: Mon, Jun 21, 2010 at 5:10 PM
Subject: Re: 'ICICICARE=[protected]' Product: Demat account / Old Customer / [protected]@gmail.com
To: ICICI Bank Customer Care <customer.[protected]@icicibank.com>, care <[protected]@irctc.co.in>


Hi,

May i know on which reason below settlement is not done? And this is again billed in my current statement(attachment[protected]_165840.jpg). I am also attaching the old screenshot of my cc statement of February.
I don't know who is the responsible for it. Please do the need full.

Thanks
Anil Gupta

On Sat, Apr 10, 2010 at 12:28 PM, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

Dear Mr. Gupta,

We inform you that the dispute placed on your credit card for the transaction billed towards the merchant IRCTC LTD, NEW DELHI on February 14, 2010 is under process, you can know the final status of this dispute by July 09, 2010. However we have processed the temporary credit to your account on March 26, 2010, to ensure that no financial charges get levied for non-payment of this amount.The disputed transaction amount will be blocked in your credit card account's credit limit. Release of the blocked amount will depend on the resolution to the dispute.

26/03/2010 INTERIM CHARGEBACK CREDIT 3180.92CR

Looking forward for your co-operation to help us serve you better. I thank you for your patience and seek your cooperation in this regard.

Sincerely,

Ramesh Narayan
Customer Service Officer
ICICI Bank Limited


Our ICICI Bank website www.icicibank.com has a new look. We urge you to visit the website and familiarize yourself with the navigation.

"ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for 390 days, 590 days, 7.25% of interest on fixed deposit for 790 days & 7.75% of interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact any ICICI Bank branch."

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of www.icicibank.com.

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




-----Original Message-----
From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Date: Tuesday, March 23, 2010 01:52 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Demat account / Old Customer / [protected]@gmail.com


Title: Mr.
First Name: Anil
Last Name: Gupta
An ICICI Bank Customer: Yes
Product: Demat account
Account No: [protected]
What would you like to say: Hi

I have cancel a ticket on IRCT, and as per IRCT and CITI bank, they have refunded the amount in my Credit card on 17 feb 2010. but still it is not credit.

Please do the need full.

Thanks

Details of mail below:

[protected] Forwarded message[protected]
From: Anil Gupta <[protected]@gmail.com>
Date: Thu, Mar 11, 2010 at 9:25 AM
Subject: Re: RE:'Citibank=[protected]' Fwd: Email From IRCTC
To: care <[protected]@irctc.co.in>


Hi

Thanks for all your effort, and providing me ARN number, now i can ask to my bank.

Thanks


On Wed, Mar 10, 2010 at 6:24 PM, care <[protected]@irctc.co.in> wrote:

Dear Customer,

The refund has been processed against the txn-id [protected] in the card# 5239 **** **** 2004 on 19/02/2010 and the refund ARN number is 75425310050700032400018.With the help of refund ARN, you can ask the refund status with card issuing authority.

Regards,
SNaqvi

----- Original Message -----
From: Sent: Wednesday, March 10, 2010 12:21 PM
Subject: RE:'Citibank=[protected]' Fwd: Email From IRCTC

Naqvi,

Refund has been processed in the card# 5239 **** **** 2004 on 19/02/2010 and the ARN number is 75425310050700032400018.

Regards
Saradha Sree


-----Original Message-----
From: Date: Tuesday, March 09, 2010 08:35 PM
To: Subject: Fwd: Email From IRCTC


Dear Team ,
Please provide us the refund ARN number, refund date along with first and
last four digits of card no against the below mentioned transaction:

Order-No [protected] Trace-no 880141 Amount Rs.2974.00/- Date 17-Feb-2010

Regards,
S naqvi
Payment Gateway and Settlements Section,
ERTD/Operations,
IRCTC Ltd.
Ph-011

"Worrying in advance is paying interest on
trouble you haven’t earned"


[protected]-------- Original Message[protected]--------
Subject: Fwd: Email From IRCTC
From: [protected]@irctc.co.in
Date: Mon, March 8, 2010 5:09 pm
To:

Dear Concern,

plz see the matter...

[protected]@gmail.com


Thanks & Regard
Paromita
[protected]@irctc.co.in
www.irctc.co.in
[protected]








----- Forwarded message from [protected]@gmail.com -----
Date: Fri, 26 Feb 2010 14:22:20 +0530
From: Anil Gupta <[protected]@gmail.com>
Subject: Fwd: Email From IRCTC
To: [protected]@irctc.co.in

Hi

Please let me know the status below.

Thanks

[protected] Forwarded message[protected]
From: Anil Gupta <[protected]@gmail.com>
Date: Wed, Feb 24, 2010 at 9:57 AM
Subject: Re: Email From IRCTC
To: [protected]@irctc.co.in


Hi

Please find the attached screen shot as per below mail.

Thanks

On Tue, Feb 23, 2010 at 5:57 PM, <[protected]@irctc.co.in> wrote:

>
>
> Dear Customer,
>
> Please note that as per the records we have refunded the amount if it is
> still not reflecting in your account then send us the screen-shot /
> scan-copy of the statement by hiding the credit card no. to pursue the
> matter.
>
>
>
> Thanks & Regards
> Naresh Singh
> [protected]@irctc.co.in
> www.irctc.co.in
>[protected]
> ----- Message from [protected]@gmail.com[protected]
> Date: Tue, 23 Feb 2010 17:13:09 +0530
> From: Anil Gupta <[protected]@gmail.com>
> Subject: Re: Email From IRCTC
> To: [protected]@irctc.co.in
>
>
>
> > Hi
> >
> > As the below mail, the status shows in my account in IRCTC(snap
> shot
> > attached) amount is refunded. But my credit card account is not yet
> > credited.
> >
> > Please do the need full.
> >
> > Thanks
> > Anil Gupta
> >
> > On Thu, Feb 18, 2010 at 10:13 PM, <[protected]@irctc.co.in> wrote:
> >
> >> ________________________________________________________________________
> >> *This is a system generated mail. Please do not reply to this email ID.
> If
>
> >> you have a query or need any clarification you may:
> >> (1) Call our 24-hour Customer Care or
> >> (2) Email Us [protected]@irctc.co.in *
> >> ________________________________________________________________________
> >> Dear Customer,
> >>
> >> Thank you for using IRCTC's online rail ticket booking services.
> >> Refund instruction for amount of Rs. 2974.00/- towards the refund due
> for
> >> the cancellation of Ticket vide PNR [protected]has been issued to
> electronic
> >> payment gateway on 18-Feb-2010 .Same shall appear in your account within
> two
> >> to three working days. You are requested to please check with concerned
> bank
> >> regarding the same.
> >>
> >> You are requested to use the Refund status Tracking service Provided by
> >> IRCTC. Select the <Refund Status> link in the left panel under <My
> >> transaction> tab on the plan m y travel page after you log in to
> >> www.irctc.co.in giving your userid and password.
> >>
> >> We regret the delay if any, in crediting back the refunds.
> >> We solicit your continued patronage to our services.
> >> Warm Regards,
> >> [protected]@irctc.co.in
> >>
> >
>
>
> ----- End message from [protected]@gmail.com -----
>


----- End forwarded message -----




<<CC_statment_current_[protected].jpg>> <<CC_Statment_Lastbill_[protected].jpg>>




E-mail address: [protected]@gmail.com
Telephoneno:+[protected]
Correspondence address: B-503, Garden View, Plot 66, Sector 19
Airoli
City: NaviMumbai
Country: India
Pin Code: 400708

ATTN:

---Who EVER reads this and is associated with ICICI Bank in any way.

The past two weeks have changed my opinion of ICICI bank totally. Their server being upgraded was an issue, as they should have, like any morally conscience bank, provided us with a backup server. But no. All they did was display the photo of the CEO of India wearing a fancy saree and smiling away. Who cares about her? I don't for sure.

Then My Credit Card got damaged. So I requested for a replacement credit card. The fee of Rs100.00 was INSTANTLY debited from my saving bank, and was told that the card would reach WITHIN SEVEN WORKING days. Excluding the day I lodged the request, Sundays in between, and holidays, today is the TENTH, yes 10th working day, and I still have NOT GOT MY REPLACEMENT CARD. I called Customer Care and they said the card has been dispatched by Express-IT couriers on the 17th of June 2010, which incidentally was the 7th working day. So there you go. Minus points to ICICI bank for dispatching it on the day they promised that I would get it by. More minus points to come, with this issue itself. Express-IT couriers must be some dead famous courier company for ICICI wank NOT bank to choose it right? Wrong. It's as bad as the bank itself. The bank has provided me with a tracking number, but what's the use if the courier's website doesn't work. How is one to track his consignment? Shout it out? Or maybe put up a loud-speaker in the neighbourhood and let everyone know.

So I thought to myself, a) server down means no 'online-bank transfer' possible. Nevermind. b) Creditcard not reached, so again, I can't pay online. Nevermind. c) I have an ICICI DEBIT CARD. WOW!!!! Three cheers for me. But then I was Unfortunately Born in India (UBI) -that was the school title I got from my seniors on their farewell party. And li8ke most Indians, I'm a too. I incorrectly entered the login password 3 times (actually the CAPS LOCK key was on) and my account got locked. Customer Care again. They said by Wednesday the 16th my ID would be unlocked, so I would be able to use the ID and password.

But whenever I try using my Debit Card for an online transaction, it says "Incorrect details have been given so your card has been blocked". I am, however, able to view my account details, which means the ID and password have indeed been unlocked. Customer Support again. This time they were the as they couldn't understand why this was happening.

So out of sheer desperation (do you watch Desperate Housewives by any chance?) I went to my branch, and asked them to issue me an Insta-Credit Card against one of my FDs. They had the Insta_Credit Card ready, but the packet had no application form. It is being couriered from Delhi. 4 working days ago. I could have cycled to Delhi in that time.

So all in all, ICICI Bank is the BEST IN THE WHOLE WORLD. Make sure to patronize it. Just hope you don't get services like I got.

Jai Hind! India is run by retards.

Dr Hemant Pande, MB,BS, FRACGP(Aust) Psychiatrist

ICICIDIRCT (JANAK PURI BRANCH) HAS CALLED ME AND ASKED TO OPEN FOR NEW DEMAT ACCOUNT AS I HAVE ALREADY A ICICIDIRECT'S DEMAT ACCOUNT I REFUSED. BUT THE LADY TOLD ME THE BROKERAGE CHAGES WOULD BE LESS THAN UR PRESENT CHARGES I AGREED AND SHE SENT A EXECUTIVE TO MY HOUSE AND COLLECT MY DOCUMENT IN WHICH 2 PHOTOGRAPH, ONE PAN CARD COPY, MY COMPANY CARD COPY, MY ADDRESS PROOF. A DAY AFTER I RECEIVED A CALL FROM THEIR OFFICE SAYING THAT YOU SHOULD CARRY UR ACCOUNT WITH UR PREVIOUS BROKERAGE CHARGES. I AGREED AND ASKED FOR MY DOCUMENTS. THEY TOLD ME WE WILL SEND IT TO U VERY SOON. I DID NOT RECIEVE MY DOCUMENTS FROM THEM TILL TODAY.

I REQUEST U TO Plz HELP ME TO BACK MY DOCUMENTS. I AM CONCERNED THAT THEY ARE NOT MISUSING MY DOCUMENTS. Plz HLP
THE NO. FROM I RECEIVED CALL IS [protected].

Respected sir,
i have taken loan from ur bank to the name of mr. nathu ram s/o manphool dhiya,vpo-nethrana,teh.-bhadra,distt.-hanumangarh and ny bike registration no. is RJ31-SA-9650,I paid all the loan amount but not received the NOC, we have no courier faclity to our village so plz sent the noc to my this address-anil s/o mahavir parsad, w.n. -18,teh.-bhadra ,disst.-hanumangarh
with best regards
nathu ram

To
The Regional Provident Fund Commissioner,
341, Bhavishya Nidhi Bhavan,
Bandra(East),Mumbai - 400 051.

Dear Sir,
EMP NAME : JYOTHI MENDU
Pension A/C NO : * MH/18796/65009*
Cheque issued by PF office : 760181 dated 25th Mar'09
Returned by ICICI Bank to PF office Vide DD No : 170886


I Jyothi Mendu an ex-employee of ICICI Bank Ltd., would like to bring to your notice that the
Pension cheque that you have issued to ICICI Bank was returned due to the closure of my Salary
Account.( VIde DD NO 170886 of Rs. 11,604/- ) to PF office Mumbai.

I had requested for the re-issue of Pension cheque to my Saving's Account[protected]Madhapur Branch,Hyderabad on 10th Dec'09.SO far there is no credit to my Account.So kindly look into this matter and do the needful

Regards
Jyothi M
Mob # [protected]

Hi, I have wrongly deposited cash into another custtomer A/c Namly Mayank Kapoor, I want to return to back in my account.

we have told to bank same in ICICI maninagar Br but Branch told us to lodge the FIR, but Police authority is refusing to take the FIR.

Mr Mayank kapoor is not responding to return back cash to me.
Please find attached payslip copy.

I had some dispute regarding my out standing payments. Therefore, I visited to ICICI Bank Delhi Office in Vediocon Tower to resolve the outstanding payment matter & to close my credit card. The same matter discussed. And I requested to close my credit cards & finally after sometime they made a call to their customer care for the outstanding payment & as per the customer care advice me to made the payment sum of the amount Rs....

The ICICI Internet Facility is very unreliable

It offers online funds transfer and it is not working as they are doing some maintenance for entire two days
The servers do not send out the URN when you add an account payee
The phone number is masked and they dont have a way to see what all the digits are

I have faced problems and losses many a time as the customer service is also not empowered to correct these issues, or give any other way to get the transactions completed on time

This is a major issue for NRIs because they have no where to go. I sincerely advise not to rely on ICICI for their Internet Banking

Please advise if I can take some action for my losses

Dear Sir,
I am holding bond no[protected] which matured on[protected] but I have not yet receivrd the matured amount. First time cheque was returned due to change in address after which I changed the address but second time cheque was returned on 27-05-10 by post office at Jabalpur due to insufficient address details. Now post office has been approached and henceforth they shall not return the cheque. I have been requesting your customer care ( on 26-05, 10-06, 11-06 and16-06) to despatch it again but there is no progress. Pl tell me how to progress as I am much distressed due to mental tension on account of nonreceipt of my dues and repeated chasing with your customer care failing which I shall be constrained to take suitable action . Pl help. My mobile no. is [protected] and my address is Mukesh, Sr.DEE(TRD), DRM office, Opposite High Court, Jabalpur (M.P.), PIN-482001.
Thanks.
Mukesh.

I understand that ICICI Bank is going to dogs. Absolutely Rubbish, Non professional & Harassing.

I am really surprise to know that ICICI Bank debited Rs. 1500 from my account against the mobile recharge o[censored]nknown person on 4th May 2010. The same day I got the call from ICICI customer care informing some fishy transaction has made by some one else in my account against mobile recharge. And on my request the account was blocked by your customer care officer on the same day. It was informed to me that this matter will be sorted out with in 15-days. After 15-days I visited ICICI Kalyan Branch, the branch concern informed that it will take 30-days to sort out such type of matters. I wrote a mail to ICICI customer so called customer care (Which never sends mail in time) it was informed me in first mail that the matter is in process & will be sorted out in 30-days. after 30-days I got the mail requesting to keep patience as it will take some more time to resolve. And today surprisingly I got the mail from customer care that it is a matter of police & I must have shared my user id & password to somebody else. For your information I have not at all shared my user id password to anybody else.

I am sorry to inform you that I am not going to recommend anybody about ICICI Bank Net banking /account opening. Secondly I am going to close my account after this settlement as this is a second harassing case for me.

This is ridiculous & unprofessional approach of ICICI Bank.

I don’t understand the system of ICICI Bank. I think ICICI Bank is just to collect the money from the customers & misguide them.


BR
Prafulla Walhe

Dear Sir,

I have taken a loan from ICICI bank for a period of 48 months from Dec 2007. Loan Ac No. LPDEL[protected]. I have already paid 28 EMI's from the past 3 months am facing major financial crisis, I am requesting if i coulod settle this at the best possible way. However, I have not got any favorable response. The collection person from bank says as of now there is no budget, when i get budget will let you know. When someone says that its clear its just trying to meet numbers. If I could give I wudn't have delayed.

In fact my liability is not just this, I have huge liabilities. My monthly income is Rs.40k and the outflow is close to Rs.80K- Rs.1Lac I don't know how to make ends meet. Its not that I don't want to pay. Your officials ask questions like, do i have an intention to pay, if i didn't i wouldn't have put in a request, they humiliate asking questions like i[censored] can't pay 9k how can u pay a lakh. Is this the way one talks. There officers come home at strange hours early morning, etc for collections. If i had money i would have given without informing what do they expect. They threaten saying we will come with a summon and you will understand. Infact I had approached a coordinate to coordinate, with whom they have a concern I understand, however, what is the support or solution they are providing. None other than humiliation and stress...

I don't know who to ask. I don't know how fast the response or action would be.Would appreciate if you could respond at the earliest.



Regards

Loan Ac No. LPDEL[protected]

The Monthly Statement against my Credit Card No.[protected] was received by me on today the 15th June 2010 through a neighbour while the last date of payment was 05/06/2010. My mobile was taken by my wife for a long tour and as such I could not receive any SMS in time. However remembering my expenditure I deposited a Cheque well in advance of the due date. Had it been on the other side I would have been asked to pay interset for default payment. How come a Bank of ICICI's caliber be so irresponsible to send the documents through irresponsible Couriers.

non reciept of redemption amount
bond no [protected]
date of issue 11/03/2005
date of maturity 10/03/2010
certificate no 84206
distinctive no[protected]
present address
sudhir kumar sinha
c/13 GM COMPLEX KANHAN AREA
PO-DUNGARIA
DIST-CHHINDWARA
MADHYAPRADESH
CELL NO-[protected]

I had taken a Loan from ICICI Bank , Due to loss of my business I could not pay the installment in time , In the month of Oct.2009 ICICI recovery agent Mr. Vineet Mobile No.[protected] contact me and suggest me settlement of above loan , I agreed ant told to Mr. vineet to process the settlement, On 22nd Oct. Mr. Vineet Contact me and told me that bank agreed to sattlement in Rs.40000/- but due to closing of month u have pay to one installment in cash and paid installment amt. Rs.8943/- will be deducted from ur settlement amt. Rs.40000/-, I have paid Rs.8943/- vide receipt No.L [protected] dated 26/10/2009.
In the month of November,2009 ICICI Bank Recover Agent Mr. Kapil and Mr. Deepak mobile No. [protected] contacted me and told me that ur settlement in process and arrange the money.
on 19 th December Mr. Deepak come my home with settlement letter No. 0496603 dated 14 December, 2009 , I have paid Rs. 33000/- cash vide Receipt No. L[protected] dated 19/12/2009 as per demand in sattlement letter.
On 22 /12/2009 I visited to ICICI Bank, Rohini , Delhi , on counter No. 6 for NOC th bank officer advised for waiting one week I submitted Receipt and Settlement Letter on counter.
TO SURPRISES MY SAVING ACCOUNT BLOCKED BY BANK AND TRANSFER MY SAVING ACCOUNT BALANCE RS. 10773/- FROM MY SAVING A/C NO.[protected],
I HAVE COMPALINT BY TELEPHONIC AND EMAILS. BUT I HAVE NOT RECD. ANY RESPONSE FROM BANK,

You are requisted to pls. look in this matter for NOC and Reverse my Amt. Rs.10773/- in my account

thanks
manoj kumar
tel-[protected]

Dear Sir,
With respect hereby I would like to state a complain against ICICI BANK Salary Account opening Executive who has taken away all my documents such as my Rent Agreement,ID proof along with my signature in both the form and xerox copy of all my documents, where as he has not informed me about the statues of my account.I am working in OSS RETAILS PVT. LTD. as Trainee Branch Manager and without my salary account I will not get any kind of remuneration from the company ans the executive knows all these things as he has came to the Kolkata Regional office and collected all the documents from my office, also he knows the importance of the account. As a bank executive he should know the importance of account.He has taken all the documents along with my signature on both form and documents on 2nd.June 2010 but I have received a message from the ICICI Bank on 5th.June 2010, that they have received my application -now my question is why he has not submited my form in the same day and again till 11thJune 2010 he has not informed any status about the said account, when I have asked him about the status of my account then only he said OK I SHALL CHECK, but still then he has not call me,I called him up and then he has informed me that there is a problem in your account opening because of ID proof. where as at the time of collecting I said him to take all my ID proof but he rerfeused and now he is informing all these when there is no time because my company release salary on 12th. of every month and only for this ICICI Bank executive I am suffering a lot. I have a question wheather the bank has any information about such type of eresponsible executive, if not then why? how a bank can simple keep the customer documents without giving any information about the same to the coutomer, for these kind of activities the general public is facing lots of problems,is this should be the nature of a RBI authorised Bank or the bank is so proud of its growing business that it dose not care any of rules even RBI guidelines ?
My problem may appears to you as a very simple but with me the bank has given problem to 3 other persons of the same family- what about the RBI GUIDELINES AND LAW AND ORDER -please give special care of such type of problem and make sure that the respective Bank should not repeat the same to anybody else.
I have seen lots of complaints are there in Indian Consumer Forum but I dont know how many people got the solution from these but this is my earnest request you to kindly resolve the problem with special care and make PUBLIC AWARENESS.
Thanking you
regards
PRANAB MAJUMDER

My Fixed deposit deposited with ICIC Home Finance having FDR Nos. 1) 333H0047202 & (2)333H0047185 IS MATURED ON Dated 2.05.2010. I Have applied along with original FDR Copies for refund of the same in ICICI Bank , Jalgaon Branch. on Dated 4.05.2010.But Till today i doesn't received cheque for my Payment. I have contacted to customer care of ICiCI Home fianance.they told that they donot received my Application & advice to contact ICICI bank at Jalgaon where i have deposited the FDRs. The Branch Manager at Jalgaon told that he has submitted the application to ICICI Home Finance.
He told that mail correspodance has been made with Mr. Vijayakumar, Mr Riyaz & mr. Anant Surve of ICICI Home Fianance. But no response he received.In all this i am not getting payment/Cheque. Can som one help?
Eknath Shridhar Patil,Jalgaon

Hi,

I hold an ICICI Bank current account which is a proprietorship account. I wanted to change the permenant and correspondence address. I operate out of office wherein I am a part holder of the property. I stay with my brother.

In the above situation for proof of my permanent address -- i have provided the sale agreement copy -- which bank says is invalid. For correspondence address (which in my case is residence owned by my brother) i dont have any document in my name -- however i can provide ration card which is again not valid.

I dont see any help from the bank and nor they are cooperative. It is unfortunate -- but i think i am not left with any choice but to close the account.

DEAR SIR
PL RENEW MY CREDIT CARD ASAP AS IT EXPIRES ON 06/2010 MY ICICI/BIG BAZAAR C. C. NO IS - [protected]


SAURABH N. SRIVASTAVA

H. NO-B-46A
SEC-19
NOIDA-201301
MB- [protected]

SIr,
I lost my food bazar card during my journey and I had made a request to issue me anew card .But despite of my several request they denied to issue me a duplicate card in place of my card.So I requested them to refund my remaning balance. But neither they issuied a card nor they refunded my remaining balance.They ask me for my bank statement.Why I disclosed my account summary.Despite of this I forwarded them my bank E- statement as proof of cheque issuing to icici bank.but they still demanding bank statement.Kindly look in to this complaint.

Complaint against the ICICI Collection agent harassment

Dear Sir,

I need to bring to your attention my experience as an ICICI Bank customer.

My Name is Sahil Jain residing at 520 Sector-16A Faridabad - 121002. I was using an ICICI Credit Card # [protected] which is about 5-6 years old and due to some problems with the bank I had stopped paying the credit card dues. After about 2 years I got a call from the ICICI Credit Card legal team stating that they would like to do a full and final settlement on my card and if I am ready to pay Rs. 28000 as a 1 time payment, all my dues would be clear and I would receive an NOC from ICICI on my credit card and my name would be removed from the default list in CIBIL as well. I agreed to make the payment to close this bad debt and then they sent an ICICI representative to my house with the settlement letter (Attached) and I gave him a Cheque (#672042) of RS. 28000 for which he gave me a receipt (attached).

I checked into my bank account after 4-5 days to see if my cheque has been cleared and I saw the cheque had bounced due to the signature which is a human error and I immediately called the ICICI Bank customer care no to find out how I can make the payment as it was a human error and I didn’t want the bank to think that it was deliberate. After explaining the entire issue to the customer care representative he suggested I either go to the bank to deposit the full amount or make the payment online using the ICICI Bank website. I immediately logged into the ICICI Bank website and made the full payment of Rs. 28000 towards the settlement (attached) .

After 2-3 days of making the payment I received a call from the same person from the ICICI legal department to inform me the cheque had bounced, and I informed him that I was aware of the same and therefore I immediately made the payment online and gave him the reference no. He told me that since I made the payment then everything is fine and he will take care of the paperwork and I will get the NOC in 30 days.

If i had any intentions of not making the payments, i would have not called the ICICI Bank customer care no myself to enquire how i can make the payment due to this human error and immediately make the full payment online.

After 1 month of all these events, I received a harassing call from Mr. Aditya Dhanraj whose cell no is +91-[protected] and he started threatening me. He claimed he is calling from the ICICI Legal team and said that I have dues which I need to pay and I informed him that I have already paid the full and final payment on which he started threatening me that he has my home and office address and he is going to come and beat me and my family up and will ensure that I pay the amount or he will create a nuisance in my office and ensure I get kicked out of my office. The very same day he had called my office HR Department and started threatening them that your employee has a credit card debt and if he does not pay they will send 4 men to the office to get the money out. My HR department was aware of the entire series of events and they informed him about the payment being made on which Mr. Aditya called the Managing Director of my company and started creating a scene in front of her. Mr. Aditya has been calling everyday and threatening my office staff of dire consequences.
I am not sure what do to at this stage as I fear the way Mr. Aditya Dhanraj has been calling and threatening me and calling my office, he will either cause harm to my family or my job.

These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behavior and language, which is legally and ethically against the Human Rights and Indian Penal Code.

I would request you to kindly advise if I should file an FIR against ICICI bank and Mr. Aditya Dhanraj. I am not sure at this point how to get rid of this guy who has been harassing me and has been calling the senior level people in my company which could easily cost me my job.
I would also like to know how I can obtain the NOC from ICICI bank which they have not sent me till now and get my name removed from CIBIL.

PLEASE NOTE THAT ALL THE EVENTS STATED ABOVE HAPPENED BETWEEN THE TIME PERIOD OF MAY 2010- JUNE 2010.
We hope that you take note of this experience and help us.

Appreciate all help & support.

Thanks!
Sahil Jain
+91-[protected]