ICICI Bank Complaints & Reviews

Dear Sir/Madam,

I had taken a Home loan from ICICI bank of Rs. 5,90,000/- for which the EMI started from 01/07/2004. The ineterest rate was 7.5% floating. The loan was for a tenure of 20 years (240 months). The EMI was for Rs. 4753/- which continued till July 2006. Then the emi was increased to 5709 with 10% inetrest rate. Then it was again increased to Rs. 6243/- from May 2007 with 12.5% ineterest rate. Then it was again increased to Rs. 6538/- from November 2008 with 14% ineterest rate. Then it was decreased to Rs. 6132/- from August 2009 with 12.5 % ineterest rate which is still continuing. The amount paid by me to ICICI Home Finance till date is Rs. 384769/-. Every time the new interest rate was applied my loan was taken as a new loan and the tenure was revised. Hence due to this the total outstanding till now is Rs. 548876/- and the pending months are 261 months which is 22 years. This means I have only repayed Rs. 41,124/- from my principle amount. Attached please find my ammortization list for your reference. I have never failed any emi till date. Please let me know is this the right thing ICICI has been doing on my loan. Or they have been fooling me.

Thanking you
Ranabir Pal
Cell: [protected]
Kolkata

Dear Sir/ Madam,

Today some body has done fraud with me on my credit card and has done some transactions. i have filed the complaint with ICICI bank regarding these fraud transactions which i have never made and requested them to refund my amount whihc i have never paid my self. The complaint filed are as under.

I request you to take this matter with ICICI bank to expedite it fast so as to get the amount credited in my account ASAP. I am also going to lodge a FIR against these transactions.

To, 31/03/2010
ICICI Bank
Dispute department
Mumbai
Sub: Fraudulent use of my Credit card
Credit card No: Credit card No- [protected]
Request no lodged to customer care: SR[protected]
Dear Sir,
Please have reference to the telephonic call I have had with your executives wherein I have explained that my credit card no as aforementioned has been misused by some body and some on line transactions have been made on 30/3 and 31/3/10. This is to inform you that I have not shared my credit card details with anybody and not given my card to any body . I am giving hereunder the details of the fake transactions done on my credit card.

Card Number : [protected] - VISWAS BHATT
Date Ref. Number Transaction Details Transaction Amount
Domestic Transactions
30/03/2010 74678720090029880326284 Bharti Airtel Ltd(MCHEK) Rs. 444.00(DR)

30/03/2010 74678720090029933418104 Bharti Airtel Ltd(MCHEK) Rs. 100.00(DR)
30/03/2010 74678720090029880326219 Bharti Airtel Ltd(MCHEK) Rs. 444.00(DR)
30/03/2010 74678720090029880326193 Bharti Airtel Ltd(MCHEK) Rs. 444.00(DR)
30/03/2010 74678720090029880326169 Bharti Airtel Ltd(MCHEK) Rs. 444.00(DR)




In the view of above I have requested you to block my credit card and lodge my complaint .I further request you to refund my amount which have been charged fraudulently on my card. Please do the enquiy and also let me know who has been misusing the card so that I can also be alert for further usage.Please make it sure that I have not done any transaction on my credit card on 30 and 31st march and if there are any transactions other than above then I do not have knowledge as only above transactions are visible in the credit card statement online up to now.
Regards,

Viswas Bhatt
Card Number : [protected]
To, 31/03/2010
ICICI Bank
Dispute department
Mumbai
Sub: Fraudulent use of my Credit card
Credit card No: Credit card No- [protected]
Request no lodged to customer care: SR[protected]
Dear Sir,
Please have reference to the telephonic call I have had with your executives wherein I have explained that my credit card no as aforementioned has been misused by some body and some on line transactions have been made on 30/3 and 31/3/10. This is to inform you that I have not shared my credit card details with anybody and not given my card to any body . I am giving hereunder the details of the fake transactions done on my credit card.]

Card Number : [protected] - VISWAS BHATT
Date Ref. Number Transaction Details Transaction Amount
Domestic Transactions

30/03/2010 74568220089650042900315 TATA INDICOM Rs. 1,900.00(DR)

31/03/2010 NOT AVAILABLE WITH ME Rs 100


31/03/2010 NOT AVAILABLE WITH ME TATA INDICOM Rs. 1,900.00(DR)



In the view of above I have requested you to block my credit card and lodge my complaint .I further request you to refund my amount which have been charged fraudulently on my card. Please do the enquiry and also let me know who has been misusing the card so that I can also be alert for further usage.
Please make it sure that I have not done any transaction on my credit card on 30 and 31st march and if there are any transactions other than above then I do not have knowledge as only the transactions on 30/3 are visible in the credit card statement online up to now.
Regards,

Viswas Bhatt
Card Number : [protected]

SIR



I AM A ICICI HNI CUSTOMER FROM MANY YEARS.



ALL MY FAMILY ACCOUNTS ARE HNI ACCOUNTS.



I AM FACING CREDIT CARD STATEMENT PAYMENT PROBLEM FROM ONE YEAR.



I DONT GET MY STATEMENTS BY POST ON TIME AND BCOZ OF WHICH THERE IS A LATE PAYMENT FEE EVERYTIME.



I HAVE REQUESTED ICICI MANAGER MR MAYANK PAWAR ,JODHPUR TO WAIVE OFF THE AMOUNTS AND I HAVE GIVEN HIM ALL THE STATEMENT COPY AND TOTAL AMOUNT TO BE WAIVED. HE ALSO AGREES TO THE FACT THAT AMOUNT SHOULD BE WAIVED BUT SAYS THAT CREDIT CARD TEAM PERMISSION IS REQUIRED AND THEY ARE NOT PROVIDING IT.



I WOULD REQUEST YOU TO CONTACT BRANCH MANAGER MR MAYANK AND SORT OUT THE PROBLEM.



IF YOU CANNOT SOLVE THE PROBLEM I WOULD LIKE TO DISCONTINUE USING YOUR CREDIT CARD WITH IMMEDIATE EFFECT, KINDLY TAKE THIS MAIL AS MY REQUEST TO DISCONTINUE MY CARD.



THANKS

DEVENDRA SALECHA

[protected]

I am having TAX SAVING BOND-012005-TSB-TWO - Nos.[protected] Certificate No. 21633 , No. of Bonds SIXand Distinctive Nos.[protected] , deemed date of allotment is 11.03.2005 and redemption date 11.03.2010. Till today, I have not received the amount. I have given intimation for change of address as well as Bank A/c details to Sector-16 Office, Faridabad on 18.03.10. I am againg givin my new address: H
Flat No. 12, First Floor
GH No.17, Citizen Apartment
Sector-46, NIT Faridabad-3.
I request you to kindly forward this complaint to ICIC Bank Limited , Corporate Office: ICICI Bank Towers, Bandra-Kurla Complex, Mumbai- 400 051.

I shall be grateful if I am sent the cheque at the earliest.
Thanking you,
Yours sincerely
Indumathi Nagarajan
Faridabad

Hello,

I am a ICICI bank customer A/C :[protected] . I have a on-line account also for ICICI.
On 29-Mar-10, evening somebody used my account and theft money . Also changed my account login details.

I asked to ICICI bank for that and they replied me that somebody made 5-6 transactions and recharged the mobile phone numbers.

So I need all my money back.
Looks like ICICI net banking is not safe. How anybody can hack the account and change login details?


Regards,
Nimesh Master
[protected]

Dear Sir


As i recive my cibil report from CIBIL Department.In my cibil report the respective bank is update my payment status but the bank is not update my account closed date And many time i talk with bank customer care for my data update but every time i recive only one reply(data is already update in cibil).
Today again i talk to customer care icici bank but they say same thing in the cibil report closed date no meaning.only bank will update the amount(balance amount or over due)that is already update in my cibil report but my account closed date is not updated in my cibil report please suggest what i do next to update my data in cibil because i apply for car loan and my car loan again declide
After that my card got deactivated and nobody will believe that this outstanding amount is showing in my CIBIL record.
I only got this information after I applied for car loan. Why is CIBIL not accessible to concerned people? Why is it only for financial institutions? & why is the customer having no rights over CIBIL although it has got all the powers to destroy a persons financial image?

Details of complaint: Sir on apr08 I have received Credit card from icici Bank. Crad no- [protected] Which i didnt applied for. Without my Permission Policy was issued on my name from ICICI lombard. For this Issue I contacted ICICI bank were I was told to deposite rs1802. I deposited the amt on 26/8/08 by cheque and surrendered the card.
But now again bank is sending me sms for my due amt.
I wnt to close this matter wo what can i do.
I am not reday to pay any amt. Several times i approached ICICIbank and Lombard office. But they kept On blaming each other. I request you for the solution as soon as possible.please help me regarding this issue

Dear sir,
I purchase a bike of baja pulsar 150 cc From Icici two wheeler loan department at my diva address. i have paid to icic bank my loan amt apprx 79000/- but due to loss of my job i have not paid the balance amount in time & in that time my bike was Stollen from my home at night . i was shock after i had ADMITED the FIR at nearest Police station . but after one month the bank was send one letter in that letter the bank was write your bike was with us & it sold & half of amount recover from you, thats why i was go in andheri branch & tell him all story to recovery manager but he does not take any resposibilities so that i have neglect all matter after seven month i received a notice from Mega lok Adalat on 29 march 2010 in that notice the bank will written attend 10th court on 21 st march 2010 but how can atttend .becouse i got notice 29 th march it means after 9 days i got then how do attend the court please give me sagation
thanking you

Sir,

On 06/03/2010 I wrongly deposited an amount of Rs 2500/- using deposit ATM in ICICI Bank A/c No[protected]Pranzal Saxena) instead of A/C No.[protected]Ruchika Sundriyal). As soon as i completed the transaction i noted that i have deposited against wrong A/c No.

Immediately, i informed the ICICI Chinchwad branch manager (Sushant) about the wrong transaction and requested to make the transaction of Rs 2500/- against A/C No.[protected]Ruchika Sundriyal). The manager told me to give an application for changing the same. As desired i worte an application and submitted it to the manager. Subsequently, he told me that they can't give details of the person to whom the amount is deposited as such i have to wait for another one week. As advised i done the same. Later, when i phoned the manager, he told me that the person is not responding as such they can't do anything.

In view of the aobve I am totally worried about my Rs 2500/-. Kindly do the needful.

Thanking you

Yours truly

SUDISH KUMAR
PUNE (PIMPRI)
[protected] /[protected]

Hi,

My name is Pradeep and my ICICI Credit card has been misused.

This happened on 24th of march 2010, I came to know about the same when I got a SMS by Icici at 10:10 pm on same date (card was misused around 8:10 pm on 24th march 2010.

I stright away called the customer care and ask them to block my credit.

Credit card misused on 24th march 2010 :

1) 20,000.00 @ Lakshmi gold palace(#475, Nanjundi arcade, 6th cross Sampige road, Malleshwaram, Bangalore -03
2) 19,258.00 @ lakshmi gold palace(#475, Nanjundi arcade, 6th cross Sampige road, Malleshwaram, Bangalore -03
3) 700.00 @ HP petrol bunk.

Now ICICI wants me to pay the bills for all this fraud transaction.


I have raised a complain about the same to Vijayanaga police station on 25th march 2010.

* The card was misused by a couple in Lakshmi gold palace and they are caught on CC TV.

Checks not done my merchant (Lakshmi gold palace)

1. Split transaction made (20,000.00 & 19,258.00) in 16 sec.
2.The name on the bill says Ramesh but the card says Pradeep.
3. Signature not verified.
4. Photo ID not collected or verified by the cashier.

Kindly help me with this case as I want to fight against this exploitation made on a customer. Who has never been a defaulter.

Regards,
Pradeep k
[protected]

To: From: Sekhar Biswas
3i INFOTECH LTD.
Unit: ICICI Bank Bonds FEB_2005 M/S Riddhi Siddhi Gluco Biols Ltd.
Maratha Mandir Annex Post Box No: 09,Falls Road
Dr. A.R. Nair Road Gokak - 591307, Dist: Belgaum
Mumbai Central Karnataka.
Mumbai - 400008 Date:16.06.2008

Sub: Change of Address and Bank Account No:

Ref: Bond Holder No:[protected]
Certificate No: 79362
No. Of Bonds: 3, Distinctive No:[protected]

Dear Sir,
This is to inform you that the above bond will be matured on Aprij08,2010 and my address and bank account no. is changed because of my service has been transferred to the address as mentioned below.
So I therefore, requested you to sent my maturity amount to the new address.

My New Address: C/O M/S Riddhi Siddhi Gluco Biols Ltd
Post Box No: 09, Falls Road
Gokak - 591307, Dist: Belgaum
Karnataka.
Bank Details: A/C No: [protected]
Name of Bank: State Bank Of India, Gokak.

With Kind regards.


S. Biswas
Tel: [protected]


Till day address are not changed.

I have been trying to update my office address for my ICICI credit card for the past 3 months but of no avail. The customer service call centre for ICICI Bank offers very poor services. Whenever I put forth my problem regarding address updation they listen to it for a while and blatantly cut off the call in the middle of the conversation. The address has to be updated from the phone banking service. The branch people do not entertain request for address change. So I am left with no option but to keep on calling these people to change my address. I would strongly urge people not to use ICICI Bank credit cards. They offer the worst services in the credit card industry.

My Airtel mobile bill is paid by ICICI VISA Bill Pay facility. But Mobile Bill of the month Feb 2010 is not paid by the facility. So Airtel claimed Rs 50/- as the late fee. ICICI VISA Bill pay must pay late fee. Last year also they have not paid yearly primium of ICICI produntial policy. & my policy was about to laps. Need to improve this type of intermitent & trust less service.

Respected Sir / Madam:
This is with reference to the Two Wheeler loan that I had availed against my Hero Honda Splendour (TN36 W 2028) Loan Ref No: LT ERO[protected]. I have paid all my dues a couple of months back and the rep had asked me to go to the bank to collect the NOC. But in spite of my repeated requests personaly and over the phone, they are not providing me with the NOC.

Please help me out to get my NOC.

Ramesh M S
Mondipalayam
Phone: +[protected]

I will like to take some valuable time from you



I have taken Home Loan form your bank where my LOAN A/C NO LBGOR[protected] In the name of TARIQ SULTAN this loan I want to pre close before maturity on 10/02/2009 contact with local branch my foreclose amount is Rs 410000/-while I asked for any discount they will provide to me while branch has given me to contact from Mr Lucky Raj (Collection Manager) after contacting him he is ready to give me discount of Rs 5000/-if I pay this amount on same day 405000/-some how I manage and deposited this amount by receipt no L[protected].and they said me to come after one month to collect my property document from Gorakhpur branch. After one month when I went to take my document bank executive said me that loan has not closed due to some internal problem and wait for another fifteen day then I regularly visited the branch and contact to Mr Kaleemuddin he said that discount is not updated in system and contact to Mr lucky Raj in Lucknow branch I have went to Lucknow branch but collection manager Mr Lucky Raj not response me properly and said me to contact Gorakhpur branch they both treated me badly in spite of this further I am very forested this time they said me to deposit more than 30000/- why I should pay this amount further.



From last one year’s I am running from Gorakhpur and Lucknow but no solution found ultimate I deicide to take some legal action against this case if this time I not found any solution





Sir I request you to kindly intervene and close this matter as earlist.





LAN NO LBGOR[protected]

NAME TARIQ SULTAN

CONTACT NO +91 [protected].

Dear Sir,

Complaint: Without my permission ICICI bank has debited my PF amount i.e.Rs.61911.00 from my saving account. and bank stated that the amount was not credited in my account, in this regards internet printout of my updated bank statement in which credit / debit activity is highlighted is attaching in the below "Attach photos field for your review and investigation.
I will be highly oblige if you will help me to get refund my said amount with intrest.
Awaiting the positive response.

Thanks & Regards

Sandeep Diwaker
[protected]


Dear Saidabee Shabber Nadaf,

As per your below mail, it has proved that the bank is playing / cheating with the customer, you stated in your below mail that "PF cheque was not credited into your savings account", now pl. find attached file of my bank account in which it is highlighted that the amount has credited into my account and on the same day it has debited without my permission.
Another PF cheque (amount Rs.6630.00) also credited on the same day, it was not debited why?
Hence dear banker, Please pay my this amount Rs.61911.00 with intrest. and Response immediately.

Regards

Sandeep Diwaker
[protected]

[protected][protected][protected][protected]
Date: Sat, 20 Mar 2010 17:46:14 +0530
From: customer.[protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' Product: Bank / Old Customer / [protected]@hotmail.com
To: [protected]@hotmail.com


Dear Mr. Diwakar,

Please note that the PF cheque was not credited into your savings account.

The transaction was just to indicate that the cheque has been unpaid from your account.

Sincerely,

Saidabee Shabber Nadaf
Customer Service Officer
ICICI Bank Limited

-----Original Message-----

Dear Mr.Naresh,

With reference to below mail, This is not satisfactory response of my query, Please justify without my permission how bank has debited my PF amount Rs.61,911.00 once it is credited in my account.

This entire activity clearly shows that the bank is just playing with customer.

Ultimately bank should pay the same amount with interest to me or case should be discussed in consumer court / forum.

Also another cheque of my PF amount issued from same bank and it was credited in my account on the same day , it was not debited / No returned why????

This is to inform you that i am the consistant customer of ICICI bank from abount 12years back.

Please Response & resolve the issue immediately (hope the meaning of immediately is well known by ICICI bank).

Regards

Sandeep Diwaker
[protected]


[protected][protected][protected][protected]
Date: Tue, 16 Mar 2010 16:46:50 +0530
From: customer.[protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' Product: Bank / Old Customer / [protected]@hotmail.com
To: [protected]@hotmail.com


Dear Mr. Diwaker,

Further to our telephonic conversation Cheque number 951574 was rejected for reason 'refer to drawer' on December 14, 2009. Hence the same is debited from your account.

We would like to inform you that the deposited cheque has been credited and debited back from your account to show that the cheque has been presented for clearance by ICICI Bank account and returned unpaid.

Sincerely,

Y Naresh
Customer Service Manager
ICICI Bank Limited



-----Original Message-----
Subject: FW: Product: Bank / Old Customer /[protected]@hotmail.com

Dear Sir,
With reference to following mail, pl. explain how the amount was debited from my account without my permission, once the amount has been credited, is it not the moral duty of bank that the matter should be discussed with party, then after only any such transaction should be done after consultation and confirmation with the party.
If my PF amount will not release at the earliest, then the ICICI bank will equally responsible to pay the same amount i.e.Rs.61,911.00 with interest.
The matter can be discussed at consumer forum also.
Also share the reason why it has been returned after debiting.
This seems the customer is not safe with the bank also since they are doing like (operating by bank only) this case with out permission of acount holder.

Pl. give the justification on the same.

Regards

Sandeep Diwaker
[protected]

[protected][protected][protected][protected]

Date: Sun, 3 Jan 2010 16:46:12 +0530
From: customer.[protected]@icicibank.com
Subject: RE:'ICICICARE=[protected]' Product: Bank / Old Customer / [protected]@hotmail.com
To: [protected]@hotmail.com



Dear Mr. Diwaker,

On the basis of our telephonic conversation dated January 03, 2010, we understand that your query is attended.

Sincerely,

Anil Shastry
Customer Service Officer
ICICI Bank Limited

-----Original Message-----
From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Date: Saturday, January 02, 2010 08:37 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Bank / Old Customer / [protected]@hotmail.com


Title: Mr.
First Name: SANDEEP
Last Name: DIWAKER
An ICICI Bank Customer: Yes
Product: Bank
Account No:[protected]
What would you like to say: Dear Sir / madam,
I receipt a returned cheque dated on 16.12.2009(cheque No.951574, payeeBank is SBI, Mumbai-400023)amount of Rs.61,911.00, which has been submitted by PF office against my PF withdrawal,Please let me know the reason of return / rejected the cheque, and how can i get this amount now pl. suggest.

Regards

Sandeep Kumar Diwaker
Mobile [protected]

Sir
I have an ICICI Bank Saving A/c No[protected], and running my a/c from the past 3 years in better way. I have been using ICICI Bank Credit Card No [protected] which is not attached to my Saving A/c at all. I have paid Rs. 800 towards my ICICI Bank Credit Card No [protected] on 4th of March 2010. Inspite of it Bank has done lien marked in my Saving A/c No[protected], for the amount of Rs. 19087 without my consent which is not ethical. I have contacted the customer services many a times for this. Even the collection caller abused and harrased me. I am feeling quite helpless about this.
Now I am looking for the solution as soon as possible. as they are not listening me at all.

Please sir help me out with this.

Thanks & Regards
Amjad Khan
[protected]

hello sir/madam
with reference to subject ,I (DHEERAJ NIGAM) want to inform you that i have one credit card no:[protected] which i have settled down through your kanpur branch in feb 2009 and after some time i got ZERO OUT STANDING STATEMENT . but till date my CIBIL REPORT is showing that i am written off for that card .why it is showing written off .let me tell .i have applied so many complained to ur representative but i have not get any reply from ur side .I am also sending my CIBIL report to u
kindly do need full favour other wise i have to take action......................

REGARDS,
DHEERAJ NIGAM
KANPUR

Hi,

I have spoken to Shaikh from ICICI BANK on[protected] at 11:00pm.

I have not received the hard copy of my credit card statement. From the soft copy of the statement I have noticed that there are 2 transactions for the same payment. They are as follows :-

22/02/2010 74056630054005300103088 MAX NEW YORK INS CO LTD 20,002.00
22/02/2010 74568220054700139000015 MNYL PAYMENT 20,001.46

After speaking to shaikh came to know the transaction ids and time of transactions as per ICICI Bank is :-

[protected]:36am 543682 MNYL payment bill desk - 20,001.46
[protected]:08am 664810 Max New York Life Insurance - 20,0002

I wanted to raise a dispute as there should be only one transaction,the second one is definitely a mistake.

Shaikh refused to raise the dispute. - This is absolutely unacceptable and againt consumer rights! How can agents refuse to lodge customer disputes?

I mentioned clearly that I will not pay for the wrong transactions.

Also he transferred the called and am waiting for over 15 minutes to be transferred to supervisor. - 11:14 pm[protected]

We have also lodged a complaint with Max New York Life - Reference No. -2210995.

Please note Max New York Life has quoted only one successful transaction ID from their end - 43328 at 11:09am at[protected].

I am copying the mail to Max New York Life department.

My payment due date is 7th of April.

I will be very obliged if the wrong charges are credited before that.

Thanking you,
Yours sincerely,
Sumita Mukherji

Dear sir,
I've applied for the credit card in the month of December,2006, which was approved by the bank and sent fo Dispatch in Jan,2007.
But i did not get the card to my hand till March,2007.
So,I have applied for cancellation my credit card XXXX-XXXX-XXXX-2002 in the month of March ,2007 as i did not recieve the card to my hand for which i got the confirmation also.

Now problem started :
1) In the month of October,2007 Rs 10,000 was debited from my ICICI Savings Account whiout my notice, when enquired at bommanahalli Branch (Bangalore); officials told me that it was deducted as i had credit card payment due.

After following up with them over phone, that amount was reversed and bank officials declared that ther is no out standing in my account and it was debited
because system was not updated.

Worst part is i did not recieve any Bill statement either as e-statement or hard copy.
Till that day or even after that.

2) I got my first statement surprisingly in the month of September, 2008 stating that there is an outstanding amount of Rs.12656.08. When checked with customer care below is the response from them:

"I was billed Insurance amount by ICICI Lombard in the month of March 28,2007 for Rs.5683.00 on EMI basis for 24months which was not informed to me either by mail or by any other means.
But i've recieved the hard copy of insurance in the month of April (after cancelling my card)
As I've cancelled my card, EMI is foreclosed and complete amount was billed to my card."

4) When checked the Policy number in the ICICI website , I was getting an error that it is not a valid policy number.

5)) One more surprise was, I got a Request number:"SR80576504" on
September 24,2008 that credit card cancellation is initiated ( :) on already cancelled card).

4) Now they back has sent a recent statement that they have sent my details to CIBIL.

My questions are:
1) Why statements were not mailed in April,2007 or May 2007 or even after that till September 24,2008.?
2) Whenever i approached Customer care they were stating that they have data only after September,2008 , basing onwhich they are sending the statements to me?
3) How the amount which should be 5683.00 got cummulated to 12656.08?
4) Why Insurance amount was billed even after policy number was not accepted by ICICI website?

This is a very embrassing situation which makes me to refrain myself in entertaining ICICI Bank for my transaction in future.

I cannot pay the amount which was never useful to me.
Please let me know how to deal with the situation.


Thanks,
gopinath