ICICI Bank Complaints & Reviews

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

I am the seller of a property in Bangalore.

All property documents / details had been provided to buyer before loan sanction.

The buyer insisted that he would proceed with agreement only after he got it cleared through legal / technical team in ICICI. Valuation people came on Feb 25th or so. They apparently gave him the go ahead, after which we signed the sale agreement on March 1st.

The buyer has given EMI cheques and everything was supposedly ready for disbursement, with registration scheduled for April 3rd.

Now they are raising an objection due to horizontal deviation, deviation from plan and lack of setbacks

Mitigants
The property in existence for nearly 10 years now
Taxes up to date
All construction in the area is similar
ICICI Bank had funded the property in 2004 and loan closed only in Jan 2010.

The loan amount approved is about Rs.20 lakhs, when purchase price is Rs.36.9 lakhs. The buyer is contributing almost 46% (Rs.16.9 lakhs). Properties in the area are sellling for Rs.40-50 lakhs. Considering that, the risk to the bank seems low.


My parents have paid an advance for another home in RT Nagar and were supposed to sign the agreement today (25th) and move this weekend (27th and 28th)

I spent almost $750 to get the PoA attested by the Indian Embassy. They asked for several documents at different points of time, but we gave them everything. They even asked for my PAN Card details, saying it was required for disbursement.

After co-operating with them completely, why are they raising this issue now?

The buyer and his wife are both employed in good companies (Fidelity and Infosys) and their down payment is quite high. Its not as if they are going to default on the loan, even if someone raises an objection later on. I am sure they will deal with it and resolve it.

Did it take them ONE MONTH to realize that there are technical deviations?


If deal falls through, who is going to compensate for all the expenses, incurred by me as well as the buyer?

I fully intend to ensure that the buyer takes up this matter in Consumer Court for compensation, since I would be deducting all my expenses + penalty from the advance payment that he has made.
Facility vide application number :[protected]
Franchisee code : ADM[protected]
Reference Number : 60938697

I have not any transaction through ICICI BANK CREDIT 2003 with any one last three months .A massage on my mobil no [protected] is recieved on 24march2010.the statement says that statement for your icici bank credit card 2003 dated 23march due 11April is generated total amount due is 2415.43.

Cheque was deposited in Old Gajuwaka Branch of ICICI dtd 20.01.10. Cheque No. is 869074 and Cheque is of Dena Bank, Khaperkheda, Nagpur. Cheque got rejected on 23.01.10 due insufficient balance in the account of Dena Bank. After rejection of the Cheque it was sent to my Base Branch ICICI Basant Lok, New Delhi. After that I have made a request to the Customer Care of ICICI Bank to send the cheque to my destination branch i.e., Old Gajuwaka ICICI Branch. Cheque is in name of Mahendra Kr Vaish. Cheque was given by Mr. Firoz account Holder of Dena Bank. Cheque Amount is Rs.25000/-. After a week Amount balance was sufficient in the payee account but due to lack of Cheque I was unable to withdraw money from it. Customer Care informed that they have dispatched the cheque from my base branch to requested Branch on 9th of February by the SkyLark Courier. Courier people provided the Mobile No of an executive but that no. is not responding and Docket no. has not been provided by them after requesting also. In this way 3 months passed but till now no resolution is there regarding the subject. Till the result of the cheque is bleak. I would like to request you to see the matter seriously and take necessary action so that cheque should not go in wrong hands or misused.

Reg: Car Loan a/c no.LADEL[protected]:
My loan was completed in January 2010 and by confirming over phone for completion certificate and deletion of Hypothecation Clause from my Registration Certificate(RC), the bank told me that these documents will be sent to me by 23'January'2010 but till date it has not reached.
Please arrange to do the needful that the bank must send me the documents with the confirmation over phone. I am in urgent need.
Jagmohan Bhardwaj
([protected])

I applied for preapproved home loan last year (Oct-Nov 2009). In Nov 2009. I was sanctioned loan for Rs 4,11,000. They did it within week time...I appreciated it through my email to them.

In February 2010, I finalized deal for plot located in Saaligrampura, Jaipur. Saaligrampura is JDA (Jaipur Development Authority) approved colony. JDA launched this scheme in 1997.

I submitted deal agreement and other documents that ICICI asked for on 11th February 2010. I was told, that reimbursement process will take atmost 4-5 days. I waited for their call but didn't receive any for more than a week. I then contact ICICI and told bt official that there is no demarcation on plot. I explained that two sided boundary and plot number marking is already done by JDA. All other banks are offering loans in same scenario. After having few days discussion, I agreed to construct boundary on remaining two sides. When construction gets over, I intimated about same to ICICI on March 11, 2010.

PLEASE NOTE: I never got calls from ICICI officials. Every time I was making call. I even went to their office after taking appointment but found no one to entertain me. Frustrated !!!

On March 16, 2010, I again visited their office. Then ridiculous thing happen...ICICI loan officer said that we can't approve loan. I asked Why? They explained that we don't find any landmark near plot location. I argued that this colony is JDA approved, I submitted all documents, there is no dispute on property and it is clean (ICICI panel of registrars approved that)....then how can you reject? But they sticked to their saying that there is no landmark near plot.

Funny fact is that JDA map plan was with them, even they not able to locate plot....isn't this funny?

I simply ask them to hand over rejection letter to me and mention reason within it. But they don't even bother to do this. They handed rejection letter mentioning that loan is been rejected as technical norms not met. No other details provided. I urged to mention details but they keep saying that this letter is only what they can hand over to me. Don't know what's could be the reason....

They said that my application processing fee will be refunded to me. I was told to submit application to refund application fees.

My question is why this reason given to me so late after ONE month I submitted property related documents? Why ICICI emphasized on boundary wall construction when there was already no landmark there? Were they thinking that landmark will appear itself after demarcation? Why this decision came after I spend money on construction? Why???

Now, I am verge of losing this deal just because of all this delays and irresponsible actions. I may get my application processing fee back but what about time I lost? What about financial loss I will face if this deal breaks....

Poor customer care demonstration was shown up their officials and even more bad they have no value for time.

Based upon my experience, I strongly recommend NEVER approach "ICICI Home Loan".

LOAN A/C: [protected]
Manish Arora

I had requested for a cheque book which was sent on 12th March 2010 by ICICI bank. I am not yet receive it.
I am continually follow up with the Sigma courier from last 6 days, bot not getting proper responce from their Office. Alway getting roulade responce from them.

i have paid my all emi still manglore icici bank is not sending the N O C .The loan a/c numbear is LACHK[protected],and my phone nu [protected].i hope it will settle it fast...

Dear Sir
I am holding bond No[protected]four bonds ) for an amt of Rs 20,000.00. The redemption date is 08 April 2010. It is requested that the amount may pl be credited in my savings A/C no [protected], SBI Nangal Raya New Delhi.
Thanks
Sunil...

Dear Sir

I have two post paid connections in airtel. I have ebeen using these numbers for the past 4 years and was paying through ICICI - ECS for the past 4 years.

For the ECS - February 2010(342 Rs & 406 Rs = 748 Rs for two ECS), I am facing a problem of reversal of ECS and Reversal charge of Rs 276 for each ECS was been debited from my account on 17/03/2010. On an enquiry with Airtel and ICICI I found, the following details.

On 10/03/2010 - According to airtel They had received the payment through ECS(342 Rs & 406 Rs = 748 Rs for two ECS). But according to ICICI no such record.
From 10/03/2010 till 13/03/2010 - I had maintained a balance of 4266. But till my ECS was not passed (according to ICICI).

Since my ECS normally will be passed between 10th to 14th of every month, On 14th February I checked the balance and purchased some items and still maintained a balance of 1518 Rs. Still the ECS was not passed (according to ICICI)

On 15th February I had booked train tickets and also cancelled some tickets, For cancelled tickets I hadn't received the amount and the balalnce is 302.97 Rs.

On 17th, when my balance is less ECS was passed and Reversal charge of 276 + 276 = 572 Rs is been charged for ECS reversal on the ground of insufficient fund. But on the same day I had received the ticket cancellation amount 658 Rs summing up my balance from 302 to 960 Rs.

It seems they had waited for Insuffiient balance and levied the Reversal charge on me. If they have been waiting for clearance for such days why can't they wait and cleared after I had received the sum of 658 Rs on the same day.

Due to reflection of ECS reversal charges for an untold reason for waiting for clearance and also crediting an amount to Airtel on 10th (I don't know where does this amount came from?) I found ICICI is doing such malicious activities. Since this has been reflected in my bank statement I am unable to get loan in near future.

Kindly media and forum help me in this regard.

Regards
Venkatesan

respected sir,
to day i would like to request for settlement of my icici bank credit card amount ,i use it since 2004. i need settlent emi ,so that i give my payment,i need your help for closed my a.c. no.[protected].my possitation is not able to give - paid full amount on one time settlement,so i need emi with interest and i ready to pay for the same,
regards,
manishkumar b.punjani
rajkot-
m0b.no.[protected]

BAD BEHAVIOR OF YOUR EMPLOYEES

I also have experienced the same problem like Ms. Bhamini Mohan in the below comment. What action will ICICI bank take against these complaints.

Till Yesterday, I was thinking that ICICI bank is genuine and kind. But these kind of behaviors leads us the customer like me to change our decision.

My question is, Why your(ICICI bank) people are calling an unwanted number, and saying that we are calling from a courier company.

Are you recruiting Men and Women from Underground people.

Threatening a cheater is acceptable but to a unknown person shows that you are an untrusted organisation.

My Kind request to visitors of this site, kindly reachout this message to Whomsoever it should be reached to.