ICICI Bank Complaints & Reviews

Dear sir,

I have been credit card holder of ICICI until last year April when ICICI bank has blocked my card.

Problem: Insane charges applied to my card and illegal activities such as LIEN on my saving account.

Description : I received a call from ICICI bank that they are offering me to convert my dues to equally monthly installments at the 24% yearly rate. Since I was having dues so I accepted that. Very next month I received a statement of 0.00 Rs so I did not pay anything to my card account. And the next month I was surprised to see the DUE were so high that it was just unbearable. I have been paying them regularly till then. I immediately called up the helpdesk about this and they said that they will look into it. Despite of regular calling they bullied me and did nothing to solve these problems. One month passed and dues were increased. They have mafia to do recovery and lot many times you felt threatened. Then they started putting lien on my account. Despite of depositing enough money they will not take this on due but they will take this on the statement generation date with all the late payment charges etc. JUST MONEY VULTURE TO EAT UP YOUR MONEY. Now I do not know where should I go and whom should I contact. I have paid lots of money to these money vultures just to maintain a good track record but this all is of no use. You called them up, they will listen as if they are not at all listening. You keep calling them and nothing will happen. They will again call you on the next due date. I am just pissed off with these vultures. Please save me, help me. These people are ruining my credit history and I just can’t keep paying them like this.

I have a SBI Account.. and I used to use ICICI ATM. for all withdrawals from past few months. But when I reviewed my bank statement. I shocked.. found that after one or 2 transaction on each month, for each withdrawal it got deducted 20 Rs. As per RBI rules five [protected]@ 1 month transections are free for any ATM irrespective of banks.

I got this from RBI site -
[protected]
Q. 10. Do banks levy any service charge for use of other bank ATMs?

Ans.10. No charges are payable for using other banks' ATM for cash withdrawal and balance enquiry, as RBI has made it free under its "Free ATM access policy" since April 01, 2009. But banks can restrict the number of such free transactions to a maximum of five per month. For transactions beyond this minimum number of transaction, banks charge maximum of Rs 20/- per transaction.
--------

this is the purely FUN of RBI rules....

How can I get back my all deducted money as I know there is west of time and money to call on call centres.

On 28.06.2009 I had made a payment of Rs.8145.00 to my credit card Ac No. [protected], there was a mistake from my side , the account number specified on the cheque was incorrect.My attempt to contact the call center was futile, it took hours of my time, then I Had sent an email on 8.7.2009,ICICICARE=[protected]' level1complaint, they asked me for s statement from my Bank (Karnataka Bank). Further to this I got the statement, a photo copy of my cheque given to ICICI, sent to Karnataka Bank for clearing, with clearance seal of Karnataka Bank, A letter from karnatakabank, saying that the cheque belong to me and its cleared.
I have faxed this to ICICI and hardcopy given to ICICI credit card division in trivandrum. Since Nothing happend after this I contacted Mr.Ribburaj in trivandrum ICICI card division on 09.09.2009, still I had not got any information from them, I had been charged late payment fee, additional interest and now they are not bothered to solve this issue. Because of this I lost more than 9000. and the attitude of one guy Mr.Saifudeen chowdry is similar to that I am convict and he a Judge. I had made 3 other payments for ICICI from the same booklet (98408/984719/984734) these along with my signature in the cheque is a valid proof to prove that the cheque payment belong to my account.
Kindly help me to resolve this issue

I was a joint borrower of a car loan with my father for 200,000.00 with ICICI Bank opened date 18.03.2005 (as per CIBIL records).

This loan was cleared and NOC issued by ICICI Bank on 21 February 2008.

Unfortunately CIBIL records have not been amended. The CIBIL records state that current bakance is Rs 23825.00 and the last payment dated is 07.11.2007.

Please amend CIBIL records immediately as this would impact my credit rating.

Thanks

I am S Pratap here. I have submitted my documents to ICICI on 19.02.10 for opening 3-in-1 account (saving, dmat & trading). After many conversations with bank employee/ customer care/ telephonic call account has been opened on 01.04.10 and that too with wrong address and incorrect name. Again after complaint they have corrected the address but account name has not been changed. ICICI is confirming to re-open the account with correct name. Pl provide the correct way to legally ask the bank for correction of my name.

A FD was made in Accont No[protected] of Rs51000/- on 30.03.2010 and i was promised to get a watch aginst FD,but so far no watch is recieved so far.i have made many complaints to customer care but they have no answer.last complaint was done on 03/04/05/2010 previously i made a complaint and No is SR[protected].


[protected]@yahoo.com
[protected]

Hi,

I am a regular client of ICICI bank. this time ICICI bank charge me more than 1200rs. though i paid near about 16000 rs. out of 17,863.45.
I am not understanding why the hell this bank charged me on my later transations. these kind of banks should be punished by indian banker association.
these bank are charging wrong amount and harrasing the client...

Transaction Details :

Card Number : [protected] - Date Ref. Number Transaction Details Transaction Amount
Domestic Transactions
27/04/2010 INTEREST CHARGES Rs. 1,157.46(DR)
27/04/2010 Service Tax Rs. 119.22(DR)


Card Number : [protected] - AMOL GHADIGAONKARDate Ref. Number Transaction Details Transaction Amount
Domestic Transactions
16/04/2010 1/3 EMI Principal - INDIAN RAILWAYS CATERING Rs. 176.51(DR)
16/04/2010 Orig Amt: 530 on 16-03-10 Bal: 353 Rs. 0.00(CR)
15/04/2010 1/3 EMI Principal - INDIAN RAILWAYS CATERING Rs. 347.79(DR)
15/04/2010 Orig Amt: 1,043 on 15-03-10 Bal: 696 Rs. 0.00(CR)
03/04/[protected] CHEQUE PAYMENT RECEIVED, THANK YOU Rs. 15,794.00(CR)
01/04/2010 75140680094030101664908 CHINTAMANI JEWELLERS Rs. 28,993.00(DR)

Without exercise my ATM card ,RS 10000/ deducted my account.

kumar someshwar
[protected].

for your refn.
1. copy of FIR
2.applicaton submitted to SBI(patiala) bank palam branch
3. application submitted to icici (dwarka,sec 7) bank delhi

To,
The ICICI Credit Card Manager

Subject: Regarding raising dispute for a transactions on my card. (Service Request Number: SR[protected]

Dear Sir/Madam,

I have been issued ICICI Gold Card: XXXX XXXX XXXX 8018 in 2007. Nobody else has access to the card.
I have never provided card details to anyone on phone or internet.Thus there are no chances of getting the card details such as card number, CVV number,
and expiry date etc.
On 30/04/2010 there has been a transactions made to the Merchant Name "GARP" for USD 150.00

The above transaction was done by me or authorized by me.

I called up the call center as soon as I realized foul play and blocked the card and was asked by the customer care representative to send a fax with the dispute information. I have already sent the fax to the number provided by the customer care rep which is [protected] .

Please investigate this dispute and provide me with a written statement of the outcome. Thank you for your time and attention to this matter.

Expecting to hear from the ICICI Credit Card team at the earliest with a resolution.

Yours truly,
Pankaj Agarwal
[protected]

Dear sir,

I am a Govt Employee and I had purchased three no's of Tax saving bonds in 2005. I was posted in Dhanpuri ,distt shahdol ,M.P during 2005.
In 2007 I was transferred to Bilaspur,C.G. The change in Address & Bank A/C no was informed/applied to your end.Till date the acknowledgement of which is not made.
Secondly as the bond is matured I am yet to recieve the cheque/Payment of maturity, niether at my old Address nor at my New address.
In this regard I had send a registered application at your Navi Mumbai office ,Vashi Rly stn complex, enclosing the copy of my Bond certificate, Copy of New Bank A/C no and New Address certificate. I am yet to recieve any response till date.
The details of the bond is provided below for your kind information.

Name of bond holder- Rahmat ali khan
Bond holder No[protected]
Certificate No- 30644
No of bonds- 03
Old address- B/3 hospital colony, po Dhanpuri ,Distt Shahdol, M.P 484114
New Add-C/5 ,CMPDI COLONY, SEEPAT ROAD, BILASPUR, C.G, 495006

I therefore request you to kindly do the redemption of my bonds at the earliest so that established faith on ICICI is maintained.
regards,
Rahmat

i want to submit my new number [protected] this is my old number-[protected]

Hi,

I have taken home loan from ICICI in 2006 for 7.25% interest rate. From past 1 year i am paying 11.25% interest rate but when we compare with other banks from past 6 months they are offering 8.5 - 8.75%.

When i asked the ICICI folks that as the other banks are chargin only 8.75 why you are not reducing my floating rate from 11.25 to 8.75? They responded that some amount would be charged to reduce the floating rate. I asked while increasing you are immediately changing the interest but when comes to reducing the interest rates you are not ready to do that. And even they were saying that we are saying that this option is available when the customers are visiting to our branches.

I think the interest rates should be made consistent in maintaining standard across all the banks.

Thanks.
Ravi.

Hi,

I am account holder for the ICICI bank and I have noted the very major bug in the ICICI bank site portal . I have sent the issue to Customer service head of ICICI bank. The bug surafces if you have account in multiple cities like me

The bug is as follows;

1. I Login to ICICI bank portal for my savings account. I see that my account is showing in two branches in muliplicity.
2. I click the Hinjewadi and Madras branches for Mini statement of my account and click back to see my all accounts.
3. I see that there is multiplicity of accounts and now my total account balance is like 4,68,90,000 ( 4 cr 68 lk) with around 2,34( 2 cr 34 lk ) in each of accounts.

This is clearly display of my account balance in far excess of what I have . ( wish I have that balance!! ) . Anyways the serious issue is my account information is completely inaccurate and is a griavance error as same could be a tanatamount for misinformation and there could also be case when account balance is shown less than actual. This is very serious issue and raises the concern that information in ICICI bank site portal is not reliable.
Please find the attached html of the site and screenshots for the issue.


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

Now begins my sad story. As if I had done great sin by noticing and pointing it out, customer care is after my life to prove it again and again. At least 27 times they have called to send more and more details with every time more rude than earlier trying to say its minor thing....I am fed up with such a poor customer service and insted of thanking customer harrasing him...even after sending the screenshots would you belive every time different person from customer care asks me again. They want customer to give up ......horrible service....

From
KANDIMALLA TIRUPATHI RAO
A/C. NO.[protected]


TO
CUSTOMER CARE CENTRE
I.C.I.C.I. BANK LTD.

Dear Sir,

Sub: Wrong debit of amount Rs.8,000/- on 15/04/2010 at 9.56 am.
Ref: A.T.M. Card No. [protected]

I went to withdraw an amount of Rs.8,000/- on 15/04/2010 at 9.56 am through A.T.M. Counter at Karur Vysya Bank Limited, Gajuwaka, Visakhapatnam-530026, Andhra Pradesh.

Date : 15/04/2010
Time : 9.55 am
Transaction No. : 1689
REMARKS : INSUFFICIENT FUNDS


Date : 15/042010
Time : 9.55 am
Transaction No. : 1690
Avail. Balance : Rs.24816.71
Remarks : Wrong Balance.


Date : 15/042010
Time : 9.56 am
Transaction No. : 1691
REMARKS : INSUFFICIENT FUNDS

Scanned copies of the above three ATM Slips are attached.

Though the amount was not drawn through the said ATM counter, the amount was debited to my above account.

Hence, kindly look into the above matter and arrange to credit my account with Rs.8000/- which was wrongly shown as debited to my account.

Waiting for your immediate response.

Yours faithfully,


(K. TIRUPATHI RAO).

Sir;
I opened FDs A/C in your Davangere branch FD No[protected] Rs 4 Lakh & No[protected] Rs 1 Lakh for 390 days.Your bank offered me 0 balance Titanium A/C No[protected] with these FDs.
After maturity I withdraw FDs amount and its linked Titanium A/C No[protected] also closed.
As per your bank rules thereis no charges if a/c closed after 365 day.But Davangere Branch manager charged closing charges Rs 552.At time of closing on 2-2-2010 I requested Manager to that you cannot charge if a/c is closed after 365 days He replied that this is system genereted mistake I cannot help you.Therefore; Please arrage to repayment this charges.
Thanks
With best regards
Yours
KL jangid
Cust ID[protected]
kl.[protected]@yahoo.com
KL JANGID
217/2A first floor 3rd main 3rd cross PJ Ext DAVANGERE 577002

My icici direct account number IN[protected][protected], I am unable to login or generate the password online as the account is deactivated. I have calledup the cstomer care at least 5 times and same number of mails to activate the account. They are still sticking on the password request which is not relevent as I updatred them clearly that I am not in India to receive the password. I am surprised to see how these people are behaving and no actions being taken for more than a month now. Here is the complaint number which I have raised with them online 'ICICICARE=[protected]'. Please help in activating my account so that I can generate the password online.

icici tax saving bond-022005-tsb-two nonpyament of redemption value

Name:-HRING NATH DWIVEDI
Bond Holder no[protected]
Address:-C-51 Harmu,Ranchi.
contact[protected],[protected]
[protected]@yahoo,com

Sir,
I have SB account in ICICI bank since 10 yrs. I have activated internet banking few months ago. I forgot the password and now trying to generate password online. But the site show error saying - Unable to generate password online . please contact customer care.
But when I call the customer care they say the system is slow or something and ask me to check it after some time. I have been doing this for one week. Each time I call they say the same thing. today when I call them again the customer care guy is telling that there is no problem with the account. I should be able to do it. but the same error shows up online. As I am not staying at the address given to the bank for 2 months I am not willing to use alternative way which takes 10 days as I will not be staying for that long at same place.

Please look into it.

A/C[protected]
Prasanna Ganapa

I am deeply shocked and surprised tht inspite of having finally and completely settled my outstandings on the above said credit card aaccount, , as also affirmed by your trailing mail,

I am still harassed by ur bank. This perhaps is in continuation of icici banks policy of harassing, torturing and creatiogn as much trouble for customers as you possibly can. Perhaps its the management of ICICI bank that believes in such behaviour towards
customers, even after settling all dues.

I have receievd a letter frm some agency appointed your bank , the details of letter are as below

dated-21st April-2010
from -
Secretary
Pune Suburban District Legal Services Authority
Distt Court
New Building
Shivaji Nagar
Pune

Ref- Litigation CAse No 8077 of 2010.

The letter mentions tht I owe the ICICI bank Rs 2,30,553.00 which is totally wrong and malicious.

Letter is signed by some secretary and contact person mentioned below is Upendra Bulbule - [protected]
when i tried calling tht number, he didnt respond.

I shall take this very very seriously and sue ICICI bank for humiliation and damages ,despite settlement of dues.

I better get a reply to this immediately.

M.S.Nanda


On Tue, Apr 27, 2010 at 6:31 PM, nodalofficer <[protected]@icicibank.com> wrote:

Dear Mr. Nanda,

We refer to our earlier e-mail of April 23, 2010 regarding your ICICI Bank Credit Card.

We have reversed the remaining outstanding balance on your credit card account.

23/04/2010 COLLECTION PRINCIPLE REVERSAL 93764.07CR
23/04/2010 COLLECTION INTEREST REVERSAL 69618.62CR
23/04/2010 Service tax reversal 7170.72CR

The credit of reversals will reflect in your subsequent statement.

There is no outstanding balance due on your credit card as on April 27, 2010.

We have attached the current statement reflecting the reversals of outstanding balance for your reference.

Your ICICI Bank Credit Card Number 4477 xxxx xxxx 7006 is deactivated permanently.

Further to our telephonic conversation on April 26, 2010, we submit that we have not reported your ICICI Bank Credit Card Number 4477 xxxx xxxx 7006 to Credit Information Bureau India Limited (CIBIL) database.

We request you to click on the link below to share your experience.

Please click on http://www.hansaresearch.com/icicibank/hsq/cc.asp?HSQ=37274732 to
tell us.

Sincerely,

Anuradha M
Office of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER

"This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. 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."

Ranvir Ahluwalia
Credit Card #[protected]

This is regarding my ICICI credit card being blocked inspite of "Zero" remaining dues.

I have had this credit card for around 3 years and have hardly ever missed a payment. Till then my experience with ICICI was very good.

In December 2009, my outstanding was around 53000 ( I had a limit of 55000), when I had to go to Belgium for a company project. I wrote a check of the total outstanding due and gave it to my younger brother to make the payment.

Now, when I came back in April, it turns out my brother forgot to deposit the cheque and hence the credit card missed a couple months payment due to which it got, "Over Credit Limit" (OCL) and hence had been "permanantly blocked". I contacted the bank authorities and was told to clear the dues Rs.67800 and then the card would automatically get "re-activated".

Hence, I immediately made a payment of Rs. 67800 (16th April - Connaught Place - A Block - New Delhi). But they did not re-activate my card. On 20th April, as per newly generated CC statement, my outstanding become around Rs.2150 (interest for previous month). I was then told to clear this and then my CC will get re-activated. So, I again made a payment of Rs.2150. I have no outstanding with your bank but still my CC has not been re-activated. Now, when I call up customer care, they say my credit card can "Never" get activated because it is "Premanantly Blocked".

I agree that the mistake, although "unintentional", is on my side (my 18 year old naive brother). But then why was I told to make the payment to re-activate my card. I have been such a good customer, who does not owe anything to your bank, where does your "Khayal Aapka" banking TV Ad commercial and commitments go? I strongly feel that I have been cheated.

With the latest experience I have had with your bank, I have little hope that I will be heard by your bank. But, still I write to you, looking forward to resolve this.

Regards,

Ranvir Ahluwalia