ICICI Bank Complaints & Reviews

I took personal loan of ICICI Bank in 2007, lOAN AGRREMENT-(LPABD[protected]) emi is 1833. but for last one year i am unable to pay as i dont have job for last one year.In the month of march i paid one emi to icici. today i received a call from someone he was telling me that he is Inspector yadav from delhi police,& he told that an arrest warrant has been issued by which he is going to arrest me, he also gave me the advocate mob no. n asked me to call him n discuss the matter, i had talked with that advocate he told that as per section 420-406 an arrest warrant has been issued for me , i request him to give me some time as i am searching for job an soon as i get my salary i will start paying you the emi's but he refused it & told that total outstanding is 26000/- if you can pay this amount by cheque within two days than only i can stop your arrest warrant, i request him to give me some time as i am jobless & i cant arrange this amount within two days, but he told that i cant help you in this case.& he has given me the time for one day to arrange 26000/- orelse he will forward that arrest warrant.
Kindly let me know what should i do, is there any other option?

Dear Sir,

Sub : Overcharging of QAB charges.

Dear sir,


1. From Oct 2008 to March 2009 (6 months) the average quarterly Balance in my account was Rs. 261012 (Two Lakh Sixty One Thousand twelve) and the interest paid for the duration is Rs 3279 which is like peanuts.

six months interest of Rs. 261012 is Rs 3279 which is 0.02% per annum.

I know during this period[protected] ICICI Bank was about to bankrupt and intentionally disabled the online A/C accesss on Sept 04, 2008 so that I can not withdraw the money from my account.

I was in Saudi arabia and spent more than Rs. 5000 to call your customer care for the password request and it took more than four months to you to deliever at my address on 27th Jan 2009.

And the reason for dealy is you have intentionally disabled my login Access, as i was outside the country and have no other mode of transaction.

Moreover

You levied Password Reissue Charges Rs.56 on my account (Debited on[protected].

Now another interesting thing :

I have one more saving account with ICICI Bank ( linked to the same customer ID ) and was unable to maintain QAB Rs. 5000 in that account from Sept - Dec 2008 because of my account access disabled.

Do you think i am fool who will keep more than Rs 250000 (two Lakh fifty thousand) in one account and wont maintain Rs 5000 in another account.

This is your mistake and i have been punished for it by the mean of QAB charges.

I didn't recieved any offical official communiction till date about the revised Service / QAB charges.

I am wondering how careless you are about your valued customers

You never forget to send promotional messages / Calls for Loans / Insurance even the customer is not interested, and you never bothered to inform formally such an important instruction by SMS/email/post to customer.

If you think you care your customers than you have to inform the customer 15 days prior to Quarter ending if his account is running below QAB, and request him to maintain the amount to avoid penalty / service charges.

I would request you please reverse the below charges from my account :

A/C No :[protected]
[protected]--

===========================================================================
SN. Date Particulars Withdrawls
===========================================================================

1. [protected] CHARGES FOR LOOSE CHQ LEAF 28.00
2. [protected] VAT/Bal.Inq.Chg/[protected] 28.00
3. [protected] VAT on CASH WDL/[protected]/0 67.00
4. [protected] SR93407803Infty P/WReissueChgs 56.00
5. [protected] For Cash :50000 ANW-Chrgs :250 S-Tax :26 276.00
6. [protected] QABChgs,oct-dec09+ST77 827.00
7. [protected] QAB Chgs Jan-Mar10+ST77 827.00

===========================================================================

A/C No :[protected]
[protected]--

===========================================================================
SN. Date Particulars Withdrawls
===========================================================================
1. [protected] QABChgs,OCt-Dec08+ST93 843.00
2. [protected] QAB/CHQRTN,July-Sep09+ST113 1213.00
3. [protected] QAB/CHQRTNJan-Mar10+ST149 1599.00
===========================================================================


I want to know why the penalty clause is one sided only, if customer unable to meet some hidden terms & conditions there is hefty penalty on him, while if you made a mistake you enforce Sorry on customer and do the reversal without paying anything to customer for your mistake.


Please call me @ [protected] for any clarification.

Thanks

Manoj Goel

Sir,

This complaint is regarding improper recovery procedure of ICICI Bank for credit card no 5176 **** **** 4005.

On 13th May 2010, at about 3.02 PM, holder of the above said credit card received a call from a telephone no [protected], said to be from the SI of Police, Abhijit Majumdar, Kolkata Airport police station that a complaint of cognizable offense of cheating (u/s 420 IPC) has been lodged by the Manager of ICICI Bank relevant to the said credit card department against said credit card holder since payment of Rs. 3800/- has not been repaid by said card holder. It was also told to said card holder to call ICICI legal department's phone no [protected] and confirm when said payment should be collected in order to close the said criminal complaint.

Accordingly, it was told to said SI of Police, Abhijit Majumdar by the said card holder that he has been maintaining said credit card for many years and tried to maintain at least repayment of minimum payment dues to said card account every months but he was intentionally put to financial jeopardy by said bank for some forced debits made from his deposits intended for the repayment of said card account that ultimately caused failure of payment of said minimum payment dues.

However, recently a cheque Payment of Rs. 3460.00 has been repaid to said credit card on dated 13/04/2010 through cheque no 921810 and it was then assured by the collection officer concerned that at least 50% of the disputed force debited amount concerned would be transferred to said card account and all the concerned penal charges, including late fee would be reversed to said card account as soon as said payment of Rs. 3460.00 would be credited to said card account but instead of said assurance no such reflection is noticeable in the statement of said card account till date so further repayment of said card account has been kept on hold till a reasonable resolution is achieved regarding said issues.

Therefore, it was told to said SI of Police, Abhijit Majumdar that considering the above stated facts circumstances a criminal case of cheating can not be initiated against said card holder and the complaint of said bank manager is not tenable in law, but since an investigation has been initiated about said complaint, the card holder will co-operate with the law and even though he was not prepared for the said payment right then but agreed to arrange the required payment of Rs. 3800/- on the next date, i.e. 14th May 2010 made by cheque, before the said SI of Police, Abhijit Majumdar concerned so that alleged criminal case can be resolved properly. Soon after said card holder received a call from ICICI legal/collection department from said phone no [protected] and confirmed his agreement of repayment of said Rs, 3800/- to said credit card account made before said SI of Police, Abhijit Majumdar and get his written acknowledgment to address said lodged complaint. So your said bank officer asked the card holder to allow her some time so that she can confirm the exact time of meeting before concerned police station next day but she did not revert back till next day.

I the said credit card holder therefore, sending this notice to your bank to clarify me as follows:-

(1)why your bank did not revert for the collection of said payment agreed before the police station concerned till date so as to resolve the legal issue and further,

(2)why counter action (legal or whatever) should not be initiated against your bank for improperly lodging cognizable criminal case against the said card holder and threatening him for collection of credit card dues in an improper manner?

Please address said issues (1) and (2) within 7 days from the date of receiving this notice by your bank so that the card holder can decide his further course of action accordingly.


Please treat this notice as a demand of justice.

Thanks & regards

The Said Credit Card Holder

Dear Sir,
It is to bring into your kind knowledge that I have deposited a cheque of SBI ORAI amount of 51023/- and cheque No. is 832395 in my account in ICICI Govindnagar Kanpur on dtd of 15th January. But After complaint of more then 20 times in Customar care No any Consaltent provide me confirm information about cheque. I have recieved a mail from ICICI on 22nd March of Lost in Transit. Kindly Justify..........

My A/C No. is[protected], Bank- ICICI Kanpur, Mob.No. is [protected]

Thanks and Regards
Vikas Vishnoi

Sir, In continuation to my complaint for ICICI Bank on 04/05/2010, I point out that bank repersantatives have spoken to me but could not explained properly. According to bank a demat cum saving a/c holder has to maintained QAB of Rs.5000/- as per latest policy of bank. OK. THIS IS ACCEPTED. Subsequently, bank customer officer sent me mail which is furnished below:

Date: Thursday, 15 April, 2010, 1:33 PM


Dear Mr.Khannna ,

We wish to inform you the status code for the account has been changed to HBIDR which is a zero balance account.

The same will be reflected after 3 working days.

Request your kind patience in the interim.

Sincerely,

Yogesh Kesarkar
Customer Service Executive
ICICI Bank Limited.

Sir, How can a customer trust on such working of bank which has no morale.Thanks.

i was working with icicibank(I process india pvt ltd) tw loan department in junagadh location i was all ready resign on 02/04/2008 and all paper submit to company but still time my releaving letter and Full and final settlement are pending, i was all ready submit f&f form two time. so pls let me know my f&f status and revert me on my mail id menson below and give me ph no for further communication.


mehul.[protected]@yahoo.co.in
Name-Mehul Babaria
Emp id- c13684
Product- Tw-loan

Regards,
Mehul Babaria
Mo-[protected]

icici credit card number:[protected]

I really want to request ICICI to open up vacancies for a bunch of sensible nodal officers.
ICICI need not hire external agencies to recover debts their own nodal officers department are by itself extremely tortureous.
They cannot read or understand english.

I had strictly mentioned that Ms Arunjyoti should no more contact me. Yet she calls me which means that ICICI fails to understand the complaints made by the customer thus resulting in the delay for the solution which furtherer results in the inconvinience caused to your customers which results in excess financial charges and so on and if you think by reversing some incorrect financial charges levied by you for the delay from your end in reslving my issue it is a service gesture then I WILL NOT ACCEPT THIS BULL .

ALL THIS CHARGES LEVIED TO ME ARE UNACCEPTABLE WHICH I HAD MENTIONED EARLIER THEY ARE NOT PURCHASES MADE AND I REFUSE TO PAY ANY CHARGES OTHER THAN THE PURCHASES THEREFORE I REQUEST SOME SENSIBLE AND EFFICIENT PERSON TO CALL ME AND RESOLVE MY PROBLEM

PLEASE ASK THE STUPID OUTSOURCING AGENTS TO STOP CALLING ME .

AND RESOLVE MY ISSUE AT THE EARLIEST

Dear Sir,

I have not yet received the payment of the redemption amount against the ICICI Tax Saving Bond-03 2005-TSB-Two. My bond holder number is[protected] and the Certificate number is 37813. The date of redemption was 30/04/2010.

I hereby request the relevant authorities to ensure transfer of the payment at the earliest. This is certainly not a good professional practice on the part of ICICI Bank.

Satyabrata Acharyya
3rd. Floor, Rukmini Tower, Harmu By-Pass Road
Ranchi: 834 001

Date: 12/5/2010


Subject: Fraud in my ICICI bank Account Number[protected]
during period 7th May 2010 to 10th May 2010.


Somebody hacked my icici bank account online user id and password and transferred Rs. 44219.62/- from my account. This amount has been transferred to another account, which i don’t know how it happened. I was really shock as I don’t use internet banking during this period.

Details of my icici account
Account number:[protected]
Branch: Naranpura, Ahmedabad, Gujarat
Date of fraud transactions from my account: 7th May 2010 to 10th May 2010

Funds got transferred to others Vodafone account with 39 fraud transactions .He had also try to transfer amount in Auto recon TID but it was failed. Total fraud transactions numbers were 54.

I registered a complaint in ICICI bank and the complaint number is[protected] and service request number is sr.[protected]

Please try to resolve this and transfer the funds back to my account. I need your Intervention & support to resolve the issue & get back My Hard earned Money at the earliest.


Thanks
Alpesh Prajapati
Mo: [protected]
Email:[protected]@yahoo.com

Dear Sir,


I have an account with ICICI bank with S/B account no.[protected]. I have given an ECS mandate
to LICHHFL, Bangalore with a/c 62000654.

This ECS mandate had been rejected by ICICI without any reason. This has created a mental harassement to me.

The location of problem is Bangalore. And ICICI is reponsible for dishonoring the loan ECS mandate to LICHFL, Bangalore.

I seek componsation from ICICI, Bangalore for fixing me mentallly harassed.

ICICI have disobeyed the RBI mandate for ECS in this case.

regards,
Janardhana Acharya.G
Mobile: [protected]
L&T, NO:19, MG ROAD, BANGALORE

Dear Sir,

The ICICI bank has refused to pay an ECS mandate to LICHFL on[protected] and has not provided any reasons for the same.

This has insulted me as a default payer to LICHFL and I seek menatl harassement compensation from ICICI Bangalore.

S/B account no:[protected]
Loan Account:[protected]lichfl)
Mandate active on:[protected]

I seek compensation for mental harassement by ICICI bank, Commissariat road, Bangalore.
As they diShonored the ECS mandate by me as per RBI rule.

regards,
Janardhana Acharya.G
Mobile: [protected]
MG ROAD
BANGALORE

Dear Sir,

My name is Jitendra Mohanty. I have a loan account having no LBPUN[protected]. I had applied for a fixed interest rate change on Feb-2010. ICICI Bank has deducted an amount of Rs. 6,077.00 on 30/01/2010 towards the same. However till today my interest rate has not been changed. I have followed up several times during these days. Every time I am getting reply that it will be done in another 8- 15 days. It has been already more than 3 months.

Whenever I am writing any letters to Customer care they are saying that you have to go to Home Loan office personally and whenever I am calling Home loan office (Pune Ghole road) they are saying you call Customer care or visit here personally. I have visited home loan office several times.

Please let me know to whom I should Contact. Please give me ICICI higher authority mail id /Phone no. I am a customer of ICICI Bank for last 10 years. I have home loans, bank accounts, several insurances; MF, demat account etc with ICICI bank.

This is very much frustrating experience. Please help me

Thanks
Jitendra Mohanty.

I Was a customer of ICICI bank Since May 2008 with account no. 628XXXX41056 at Noida sec-50, I was applied for CAR loan from ICICI bank in last month they proces the file in 20 days At fixed rate of [protected]@9.75% & bank person assured me if rate of interest is rise we give loan on

9.75 % which is finalise on papers . but at time of delivery of car ,bank person says we cannot give you loan on 9.75% we give on new rate of interest WHICH IS 10.5% .

What i can do this time i don't have money, its a fraud with customer & waste the time of customer , WHY WAS THIS NOT TOLD TO ME FIRST time ? Why is ICICI quality of service so poor.. one month delay ? Who is responsible for not telling this ? HOW CAN I TRUST THAT ICICI BANK PERSONS ARE GIVING THE CORRECT INFORMATION?


Kindly reply me as soon as possible.



following bank persons are contacting me Mr.Ravinder ([protected]),Mr.Kazim ([protected]) & Mr. ABHAY([protected])




else I will go to consumer court... It is so simple)




TAKE LOANS FROM ICICI BANK THEY ARE FRAUDING TO CUSTOMERS IN DEALING FIXED RATE OF INTEREST CHANGES TO FLOATING

RATE OF INTERESTS

Dear Sir,
I had made a online service request for a DD worth Rs. 1155 on 28th April, 2010 to ICICI bank. The same day, i was got the confirmation mail that the draft has been created and sent to my residential address via Sigma Courier Agency. But, i have yet not received the DD. When i contacted to the Bank, its represenattive said that Sigma courier delivery boy was gone to my house, but my house was locked. But, it is totally false claim. My house is manned 24 hours a day. My family reside in the house. Suppose if my house was locked, then it is the responsibility of the courier boy to stick a slip in the house. But there was no slip found stuck in my house. When i said to the ICICI bank representative that the delivery boy has told a lie, then he said (N Ramachandra Rao,Customer Service Officer,ICICI Bank Limited) that he would look into the matter and send the courier again by 12th May, 2010. Now today he has written me a mail, in which he said that i would have to collect the DD from my Main Branch : Nariman Point, MUMBAI. I reside in Thane, and why i would to go to Nariman Point branch to collect the same, as it is the ICICI bank and SIGMA courier fault. Why i would suffer for the fault committed by ICICI bank and SIGMA courier. Please look into the matter , so that i get the DD on time.

Regards,
Navin KUMAR,
Thane-West,
Contact No. [protected].

Dear Sir/Madam,

Below is an email I have received from an unknown source. From the link's address provided in this mail it clearly shows that it is a scam email. The html address of the link provided in the email is as below and the full header of the email follows subsequently (Copy also attached as text document).

http://www.idhops.com//includes/phpmailer/BANKAWAY.html

From Icici Bank Thu May 6 05:13:43 2010
X-Apparently-To: [protected]@yahoo.co.in via 203.104.16.216; Mon, 10 May 2010 02:39:56 +0530
Return-Path: <[protected]@icicibank.com>
X-YMailISG: LorimG4WLDv6aI9QSffhN4hHVbTmdjxYQFQn32Ffd5VUPwCB2Zk3aaYmalXAlF6vvgdPoe051gsVKoYO...⇄
X-Originating-IP: [212.53.40.34]
Authentication-Results: mta150.mail.in.yahoo.com from=icicibank.com; domainkeys=neutral (no sig); from=icicibank.com; dkim=neutral (no sig)
Received: from 212.53.40.34 (EHLO etc.tario.ru) (212.53.40.34)
by mta150.mail.in.yahoo.com with SMTP; Mon, 10 May 2010 02:39:56 +0530
Received: from [41.217.65.14] (account [protected]@sipnet.ru HELO User)
by mx.etc.tario.ru (CommuniGate Pro SMTP 5.3.6)
with ESMTPA id 50370391; Fri, 07 May 2010 01:13:47 +0400
From: "Icici Bank"<[protected]@icicibank.com>
Subject: Icici Internet Security Central
Date: Wed, 5 May 2010 22:13:43 -0700
MIME-Version: 1.0
Content-Type: text/html;
charset="Windows-1251"
Content-Transfer-Encoding: 7bit
X-Priority: 3
X-MSMail-Priority: Normal
X-Mailer: Microsoft Outlook Express 6.00.2600.0000
X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2600.0000
Message-ID: <auto[protected]@mx.etc.tario.ru>
Content-Length: 1431

Please look into this and do the needful action.

Sir,

Icici credit card no [protected] is issued on my name dharmesh mathur. delhi icici charges surcharges on my card with any purchase long back. Despite of many call and email on customre care they didnt wave off Rs 150/. now i have a salary account with icici karnal. Recently icici debited my account with Rs 9029.19 on 11 nov 2009 without any notice and still they are sending credit card statement for pending charges. please help me.

regards,
Dharmesh
[protected]

Dear Team,
I am still not received my RPFC Claim since now, I also have been submitted an application regarding this to RPFC Department at mumbai they also received that application in Oct-2009 but still there is no action was taken on it. I request you Plz. Cleared my all dues as soon as be possible my RPFC A/C No is- EPS A/C No-MH/46735/6696. For any query regarding this Plz. contact to me on my Email ID: sachin.[protected]@e-nxt.com and [protected]@gmail.com

I am a satisfied ICICI Bank customer from last 10 years. based on the said relation ship, I have visited in east of kailash branch on dated 8th Aprill 2010, for making a FD for Rs. 25000/-. I reached at reception regarding the FD ,the lady seated over there guided me to Mr. Ankush Sharma. I asked him for process the FD of Rs. 25000and I tendered the cheque of said amount to him, but he briefed me a plan in which if I invested Rs. 50000 for three years I will get Rs. 14,32,000 at the end of 15 years. I asked him, is it a insurance policy or is it a ULIP he said no Sir this is FMP( Fixed maturity Plan),suddenly another person Mr. Durgesh came in the picture and explain the same thing to me. I asked them about the catalogue or broture or name of plan to check on your website. They said these are the shortterm plan it does not carry any catalogue and it is not on our website but it is on our internal link called interanet. I tendered the cheque of Rs. 50,000/- to him and asked him to make the paper in the name of my son Arshman Singh ( 2year old ) they said as the person is minor so we have to take birth cert. for age proof. next day Durgesh came to my office and collect the birth certificate and ask me to sign one form. I make the signature, I again ask him the same thing. He told me that I am from branch of Bank we never tell lie ,we are not agents, we are salaried people.if you find any thing wrong then you can cancell the plan and your full money will be refunded. on 16th of Aprill I received the papers through courier and it was nothing as they have commited me. I contact in your branch on 17 th Aprill and meet with Branch Manager Mr. Sidharth where he took my original papers and asked me to sign a form for cancellation. in front of him Durgesh commited me that my money will be credited in my acount with in three days. But my tragedy or bad experience did not end here, when I have not received the amount till thursday 22 nd Aprill I contacted the customer care no. they said that they have not received any application for cancellation. Then I again visited in your branch on 23rd they (Both Durgesh and Ankush) said Sir, your policy has been canceled and it is reflected in our system. again I have visited in your branch on 24th then I meet with you, in the presence of BM they also said the same thing and commited me to ring with in 2 hour to let me know the status. and as per your customer care deptt. they have received the application only on 24th. In the evening around 5 PM I received a call from Durgesh claiming that as my name does not match so they have despatched the DD from mumbai when I asked about DD no. or POD no. he said will let you know in short time. after half an hour I again received a call from Durgesh asking for sorry and tell me that he was hiding the mistake of his coleagues and my application has been filed on 24th of aprill.
Sir, Although today on 5/5/10 I have received the Rs. 49997 against my cancelled policy with kind cooperation of yours. I request you to please take appropriate action against both of them so that they will not dare to cheat any body else in future. Although I am also consulting with my advocate to file a cheating case with EOW of Delhi Police and with IRDA also.



from,

Jaspreet Singh
[protected]

This is to bring to your kind notice that I had some billing dispute with ICICI Back Credit Card over a online misuse incidence over 2 year back.

The matter was resolved after the payment of Rs. 8500/- (30th September 2009) towards full and final settlement. Till date there is no pending payment towards ICICI Credit Card and they have gave a NOC in this regard.

But still the matter is not closed in the CIBIL and as per the attached city bank credit card dept. letter.

Credit Card No: [protected]
Name: Sudeep Das
service reference SR[protected]

i brij mohan having a current ac with icici bank preet vihar . as yashika enterprises ac no[protected] .i give for rtgs on 04/05/2010 at 9 am. to miss shilpa saini on counter no 20.but she has not done rtgs till 11 am then again i called to shilpa, but till then she has not done ,again i called at 12,33, then she hold the line and told that doing.again visited the branch at 1 pm she told aapko jo karna hai so kar lo ham aapni margi se hi kam karenge,jad bolo ge to gard bula kar bahar nikalwa dungi.i deposited the chaque no925234 ,nextis chq no 211985 ,on 04/05/2010 at masine time 10/18 am but the chaq has no status till 06/05/2010 time3pm.i always visit the branch ant try to met the manager but he is not avelable.
so pls help me for my resolving the problem.
thk reg
brij mohan
[protected]