ICICI Bank Complaints & Reviews

Myself doctor sonal babbar.i have been using a airtel post paid number for approximately 3 years that too a post paid number and very regularly paying all my bills but this credit card people call me at my number atleast 40-50 times a day irrespective of time ,day but that too for a wrong person named DEBASIS JENA whom i dont know also.this person DEBASIS JENA from bhubaneswar probably has given a wrong phone number to their bank which they cannot get rectified instead they trouble me all over the day n night myself being a gynecologist doctor sometimes busy in OT,Labour room ,OPD and i have a 7 mth old kid who also wakes up by these wrong person calls at my number i am really being torchered by them my airtel post paid number is [protected]......NO ONE TO LISTEN NEITHR THE AIRTEL PEOPLE NOR THESE BANK PEOPLE???????
Is their someone who can look into the matter and get me outta of it...............

Dear Sir,
I am Abhijit sarkar. I am having salary a/c[protected] with ICICI bank. On 26th feb`10 I found that my a/c balance goes Rs negetive(-) 41879.65/- suddenly. after got in touch with customer care , they told me that due to credit card due my a/c got block. On 26thfeb`10 after salary got credited into my a/c total available balance automatically goes to Rs negetive(-) 20330.46/-.
After getting touch with bank , they told me that they have all right to do the same. When I want to settel the thing , they told me that I have to pay the whole amount at a time. But my monthly earning is Rs 22000/- only, I requested them to recover the amount in 5 months but they are not ready to listen any request from myside.
I dont know what to do. now I am going under trimendous mental pressure as I am not having any rupees to run my family. Please help me out to solve the problem, so that I can pay back to bank 7 run my family as well.

This is the letter I sent the ICICI Credit Card Department over and over again for repayment o[censored]ndue penalty charges.

//letter to ICICI begins

To,
Customer Care (ICICI Bank)
Credit Card Department

Subject: After visiting your Andheri Branch with my credit card issue, I discussed the same with your officer ‘Madhuri Iswalkar’ and she has advised me to forward this letter to you that was also sent as registered letter to chandivali branch. Upon her advice, I hereby request you to do a reversal on my credit card account no. [protected] & relieve me of the unjustly added outstanding dues to my card as I strictly stick to my reasons of not being eligible for paying any dues for a mistake thoroughly made by your customer care executives. I do not wish to continue your credit card service. The entire story is as below:

While subscribing to your service, details given in the original form by me included the auto-debit option clearly checked and my email address as rinki.[protected]@relianceada.com amongst other details.

I was offered a scheme of having my residential phone bill directly paid via. the credit card on a monthly basis. I had opted for this scheme however none of the bill amounts were auto-debited from my account and had to be manually paid up by my family members. Nevertheless, you kept sending me messages for compensating the unpaid phone bill amounts by you.

Following this subscription, I had made an online transaction of Rs.1000/- using the card as donation to CRY (Child Relief & You). This is the only real transaction that has ever happened using the card since subscription.

It was understood by me that having opted for the auto-debit facility, transactions made using the card would enable you to directly debit the required amount from my account and that I was not required to take time out of my busy schedule & run around your branches to make payments.

I started receiving customer service calls after a couple of months enquiring about payments for the transactions. Even after repeatedly telling them to auto-debit the amount, and though they verbally complied confirming to me that they had already auto-debited the amount, I kept being harassed again after a few months with contradictory statements & messages. The messages on my phone stated that the card bill had been sent to my email address rinki.[protected]@reliance.com

It is needless to mention that ‘You’ have made incorrect data entries (note the data entry errors made by you in the auto-debit column and the email address).

Even after sharing ‘Your blunder’ with your customer service executives, I kept being harassed.

For the mistake committed by your people, I as the customer am not expected or entitled to spend so much of my time, effort and energy to resolve the problem that you created through ‘incorrect data entries’ and then confirming ‘incorrect facts’ that can be as I understand now a ‘propaganda’ to glean extra money from the customer through unethical business practices.

This business deal with you has caused me severe pain and I find myself harassed extremely for absolutely no mistake on my part. I am now inclined to get an ‘ombudsman’ in the picture & reclaim my lost funds that you incorrectly forced me to pay up as penalty charges.

You also withdrew Rs.1000/- from my account which I am grateful for, but something you could have done right in the beginning as payment for the real and only transaction made using the card, and avoided me so much harassment. You also blocked my card for mistakes made by ‘You’ and expect me to leave all my other works and run around your branches to solve an issue of a molehill that you made a mountain out of.

I have been a long time customer of ICICI, having had savings account, FDs, and SIP with you. I had trusted your banking authorities to not put me through such an ‘ordeal’ & be honest and transparent in your dealings. This is a serious offense to me.

Even a collector was sent to my house who promised me a response call from your office within a day or two for resolution, even telling me that I had no need to go down to the branch, but till date I have NOT received any response call from your bank.

The phone number for enquiry mentioned by you in the letter on July,09,2008 is ‘ALWAYS’ busy. Do you expect customers to leave their important works and keep trying your number through the day and forever??? Why do you share such numbers which are never accessible????

I am very disappointed in your services & would want to take up this issue with RBI ombudsman & even beyond if required & if I am not relieved of this immediately.

Acknowledgement of the letter is awaited to be at the earliest.

Rinki Banerji

//letter to ICICI ends

**In the end, they still debited the penalty charges unduly charged, of amount more than Rs.5000. And there has been absolutely no intimation from their end to my constant letters to them.

sir,
I am a retired Addl.supdt of police from salem TN. I purchased 6 bonds of ICICI tax saving bond on 11.3.2005at Vellore valued Rs 30000..maturity on 11.3.2010 value Rs 40200. From ur office they have sent 15G etc to my home at salem, 20 days back. I am now in USA. I have asked my people there to send the same to me. Though they posted immediately, it has not come to US. I dont know what happened. I request to send the maturity Rs 40200 to my salem address itself. I am a regular tax payer and my PAN AAYPT1515D. A word of reply will be appriciated

RAJESH H UPADHYAY

M/S SHIV SHAKTI ENTERPRISE (INDUSTRIAL JOB WORK CONTRACTOR )

M/S RAJKOT TOURS & TRAVELS ( SERVICE ORIENTED BUSINESS )

M/S SHIV SHAKTI SALTS & CHEMICAL WORKS

M/S MARKETMOVERS ( ASSET SECURITIZATION )

Rg office ; gf/20, racecourse tower, racecourse, vadodara, mob ; [protected], tel ;[protected], fax ;[protected].


--- On Wed, 2/24/10, RAJESH UPADHYAY <[protected]@yahoo.com> wrote:


From: RAJESH UPADHYAY <[protected]@yahoo.com>
Subject: cibil query for cards
To: customer.[protected]@icicibank.com
Cc: customerservices.[protected]@hdfcbank.com
Date: Wednesday, February 24, 2010, 8:48 AM

dear sir/madam,

My self Rajesh Upadhyay, I had applied in HDFC Bank ltd. for channel partner services. They initiate the process and checked by cibil data and inform me that i have an outstanding in my credit cards, but for your information i had pay my all over due bills on time to time. as i am attaching the proof and my personal detail.

Name : Rajesh Harshadrai Upadhyay

Pan No.:AAFPU7639C


Date of birth:13 jan 1969


please find the attachment of my bill payment detail. please look in to this and rectify the information you are having. clear my name from this so i can proceeds further with HDFC Bank ltd.

As this is very much important for me. so this is humble request you to please do it as soon as possible.


regds
rajesh upadhyay

our cibil reply

dear Sir/Madam,

With reference to your mail, we would like to inform you that the function of CIBIL is to collect, process and collate credit information of individuals/ companies/ firms/ entities and to provide credit information reports to our members. The Company acts as a repository of both positive and negative credit information, historical and current on the existing and potential borrowers of the credit grantors.

CIBIL cannot modify any information in the database without the concerned member confirming the same. We request you to ask your Bank to send us the updated data and we will upload the same onto our database. The changes will then get reflected on your Credit Report.

Thank you.

Regards
Consumer Relations

Ps: Effective September 01, 2009 our consumer relations assistance number has been changed to[protected].


RAJESH H UPADHYAY

M/S SHIV SHAKTI ENTERPRISE (INDUSTRIAL JOB WORK CONTRACTOR )

M/S RAJKOT TOURS & TRAVELS ( SERVICE ORIENTED BUSINESS )

M/S SHIV SHAKTI SALTS & CHEMICAL WORKS

M/S MARKETMOVERS ( ASSET SECURITIZATION )

Rg office ; gf/20, racecourse tower, racecourse, vadodara, mob ; [protected], tel ;[protected], fax ;[protected].

They are one of the worst customer service providers. I request to update the mobile number in their website. And their system shown me that it take 24 hours to update it, but it was not updated. I sent a request several times, but of no use. Then I sent a mail to the concerned person, but of no use. I didn’t receive any reply from their side even after 10 days. Once again I sent another mail. After 3-4 days I received reply from their side and I was shocked to their reply. They said that the updation of mobile numbers through website has been suspended. They asked me to approach the nearest ICICI branch.

Finally one day, I approached the branch and given a application to update it. And the executive entered in their system and said it is updated. But when I see it online the number was not updated. Again on the next day I visited that branch to confirm it. I was shocked for their punctuality. The branch open at 8.00 A.M, but the executive was present at around 8:45 A.M. I waited for almost 30-45 minutes for her. And the executive too was not able to confirm it. She confirmed it with her superior and said it takes 48 hours to get it updated. They don’t have the proper knowledge regarding their time period. The day before she said it was updated, and the next day she says it takes 48 hours to update it. But till now it was not being updated. Let me see how many days they take to just update a mobile number. Due to this I’m not able to use internet banking.

What a worst customer service from ICICI bank?

Atleast by seeing this, the bank people has to take care of their customers, else better to close their business as it is useless without satisfying their customers.

the company has made a technical error in the bill in the month of january and they just slapped the amount two months later. now they have been harrassing me with threatening alls. if that was not enough they sent an agent to my house promising settlement with Rs. 12000. but then he disappeared without giving me any settlement letter.the company still keeps calling and harrassing me and they are also adding interest every month and refusing to accept their mistakes.please help

As per my outstanding payment for my ICICI credit card i want to start the EMI facility from January 2010, as per commitment form ICICI bank executive name Mr Khalid, Mr Darial and Mr Mukesh and other executives they will start the EMI facility on January 2010 (it is not started), again February 2010, so i clear my minimum due payment as per committed amount to the recovery executive Mr Chaitanya twice. but today I received call from Mr Danial after Mr Mukesh regarding again you have to pay minimum due amount to start EMI facility. They agreed there mistakes but EMI facility not able to start due to i need to pay again minimum amount. Due to wrong commitment m facing lots of problem from ICICI bank executive. If require please check the discussion with me and ICICI executives as they recorded the calls.

I require proper solution on this.
I am ready to start my EMI facility from today itself, no issues, but I am not ready to pay any type of min. amount this is clear.
ICICI have to co-operate with customer and accept there mistakes.

So, please do needful, waiting for your positive reply.

Regards
Sagar Pujari
[protected]

I am requesting the Bank to REFUND mine credit amount since last 3 months. This credit was laying with them since 2007 , ( This card ONLINE credit card ) I was using thiscard for mine on line transection, since i am paying there dues on time and clearing the outstanding with in time. However bank has disconnected bloked mine card with out mine information. I cam to know when i used in In Dec.2009. ( I come to know that from the call center that they have provision in the T&C. ) i said OK. Then i requested them to refund the mine Rs. 565/- which was with them sinc 2007.

For refunding they asked me to submit the bank statament from which bank this amount was paid to ICIC, i simply requested tjem to give me the details like, bank, chq. nos. dt. & amount. After few days they reverted with that this amount was credited in Nov.07 from HSBC , accordingly i requested HSBC bank to issue duplicate bank statment for that period and charged Rs. 100/- for it, when the statment came this particuler amount was not there , then i again request them to give me the actual cheq. no. which they reverted today according to that this cheq got cleared from mine bank in Oct.07. Now tell me i alreay paid Rs. 100 and agin i need to pay Rs. 100 for the old statment.

I requested them they can check mine identity and refund mine amount which they startight away refused and counted on T&C + there policy.

I need mine money back .... i dont want to loose more Rs. 100 on it ........else what i will get Rs. 300 only....

Pl. help me on this...
I am enclosing the mail communication with the icici '''''''''''''&#...⇄
=======================================================

STILL WAITING FOR THE DETAILS ………………….

From: Infinity Account Manager [mailto:[protected]@icicibank.com]
Sent: Monday, February 15, 2010 12:11 PM
To: umesh.[protected]@samsung.com
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / New Customer / umesh.[protected]@samsung.com

Dear Mr. Mathur,

We are following up with our payment department for the bank name towards which the cheque payment made.

We will revert you in 3 working days with the status.

Sincerely,

Srikanthi B
Customer Service Manager
ICICI Bank Limited

CONFIDENTIALITY INFORMATION AND DISCLAIMER:

This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank
-----Original Message-----
From: UMESH MATHUR (umesh.[protected]@samsung.com)
Date: Monday, February 01, 2010 09:25 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com); umesh.[protected]@samsung.com (umesh.[protected]@samsung.com)
Subject: Re: RE: Product: Credit Card / New Customer /umesh.[protected]@samsung.com

Hello,
You people of set of people to handel the operation and you have limitation, people like me whom u are asking for the details of 2007, is it possible me to trace the details and submit to you. ( For your infirmation this is mine moiney and i am claming it, you can verify the clamer by any other mean)
I will chalange this one sided judgment of your bank and also claim Rs. 100/- which is charged by my HSBC bank for the said period statment in which this is not appearing.
Secondly i asked you to give me your head of operation email ID there is also you have raised your regrets ! Every where you have your limitation and let the CUSTOMER die at his own, but iu will not let it happen i will circulet all such communicatiuon in each and every forume which take care the right of the customers.
This one sided approch will not be accepted by ME at any cost.

Jai Ho... ICICIC Jay Hooooooooooooo !!! BHAGWAN BACHAYE AISE BANK AUR ASIE LONGON SEEEEEEEEEE !!!


All the best and good Luck !




------- Original Message -------
Sender : ICICI Bank Customer Care<customer.[protected]@icicibank.com>
Date : Jan 31, 2010 16:59 (GMT+09:00)
Title : RE:'ICICICARE=[protected]' Product: Credit Card / New Customer / umesh.[protected]@samsung.com

Dear Mr. Mathur,
I deeply concerned about the issues you have raised and regret that our service could not live up to your expectations.

I request you to send us the scan copy of the bank statement in PDF or JPEG format less than 200kb showing the debit of cheque (046604) payment of Rs.1,986.11 towards your credit card, so as to initiate a request for excess payment refund.
I also request to contact our 24-Hour Customer Care Center to update your mailing address in our records.
I would also like to inform you that for 15 days from the date on which request for address change is initiated, request for any deliverable cannot be processed.

We request you to understand that we need to follow company policy so as to enable smooth conduct of your credit-card account and thus ensure that you receive all the privileges you are entitled to.

Looking forward for your cooperation to help us serve you better.
Sincerely,
Nagaraj
Customer Service Officer
ICICI Bank Limited

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

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

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

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


-----Original Message-----
From: Umesh Mathur (umesh.[protected]@samsung.com)
Date: Thursday, January 28, 2010 11:13 AM
To: 'ICICI Bank Customer Care' (customer.[protected]@icicibank.com)
Cc: umesh.[protected]@samsung.com (umesh.[protected]@samsung.com)
Subject: RE: Product: Credit Card / New Customer /umesh.[protected]@samsung.com

Kindly get me details of ? Bank ? as I have asked the HSBC statement in this statement it is not showing, I am having account in 5 more bank & for your information every bank is charging Rs. 100 for the statement. If I ask from all then there is not point of asking me for the refund.

But bottom line is that YOU ( ICICI ) is not at all customer friendly bank at all. For my money I nned to BEG from you.

Hope less & worth not dealing with such type?

Kindly give me the details like Bank name and cheq. Nos.


I don?t have any details related to 2007 year.


Atleast help me on this ?.

________________________________________
From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Thursday, January 21, 2010 12:44 PM
To: umesh.[protected]@samsung.com
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / New Customer / umesh.[protected]@samsung.com

Dear Mr. Mathur,

We understand your concern however, we require the debit of following payment to process the refund of excess amount.

26/11/2007 CHEQUE PAYMENT RECEIVED, THANK YOU 1986.11CR

We regret our inability to provide you with the email ID as requested by you.

Sincerely,
Shyam Sunder K
Customer Service Officer
ICICI Bank Limited




"Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking >Cards> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders."

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

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com

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


-----Original Message-----
From: UMESH MATHUR (umesh.[protected]@samsung.com)
Date: Wednesday, January 20, 2010 03:08 PM
To: Infinity Account Manager ([protected]@icicibank.com); umesh.[protected]@samsung.com (umesh.[protected]@samsung.com)
Subject: Re: RE: Product: Credit Card / New Customer /umesh.[protected]@samsung.com


THEN IN THAT CASE I NEED TO WRITE TO HEAD OF THE OPERATION-SERVICE CUSTOMER CAN U GIVE ME THE EMAIL ADDRESS.

WHEN PAYMENT IS DONE BY ME AND I AM THE OWNER OF THIS CARD THEN WHY BANK IS INSISTING FOR THE 2007 BANK STATMENT
ANY BANK DOES NOT GIVE STATMENT FREE OF COST THEY CHARGE RS. 110.30 PS , DO U REMIBURSE THIS AMOUNT TO ME.

ICICI EVEN CHARGE FOR THE MULTILOCATION CHEQ EVEN THEY ARE AT PAR. AND MY REFUND AMOUNT IF JUST RS 500 ODD FIG.
I[censored] R READY TO REIMBURE I AM READY TO REQUEST MY HSBC BANK TO ISSUE THE SAME

KINDLY REVERT !!





------- Original Message -------
Sender : Infinity Account Manager<[protected]@icicibank.com>
Date : Jan 20, 2010 18:30 (GMT+09:00)
Title : RE:'ICICICARE=[protected]' Product: Credit Card / New Customer / umesh.[protected]@samsung.com
Dear Mr. Mathur,
We inform you that your credit card account is permanently de-activated from our end.

The total due balance towards your credit card out standings as on date is Rs.568.98 CR.

Once card is permanently deactivated,that account is considered as cancelled and cannot be activated due to internal policy decision of ICICI Bank.
We will have to regret our inability to service your request for refund without savings account statement.
Kindly forward us the scanned copy of savings account statement showing debit amount of Rs.1986.11 to place request for refund in your credit card account.

Looking forward to your co-operation in helping us serve you better.
Sincerely,
Pallavi
Customer Service Officer
ICICI Bank Limited


"Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking >Cards> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders."

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

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com

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

-----Original Message-----
From: UMESH MATHUR (umesh.[protected]@samsung.com)
Date: Wednesday, January 20, 2010 02:34 PM
To: Priority queue Cards ([protected]@icicibank.com)
Subject: Product: Credit Card / New Customer / umesh.[protected]@samsung.com



From: UMESH MATHUR (umesh.[protected]@samsung.com)
Date: Wednesday, January 20, 2010 09:17 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com); umesh.[protected]@samsung.com (umesh.[protected]@samsung.com)
Subject: Re: RE: Product: Credit Card / New Customer /umesh.[protected]@samsung.com

Dear Pallvai,

Can be there any other way of it, at present i dont have the statment of 2007, i[censored] want i can send u the current statment of the same bank.
Secondly i want to continue with this card as it is useful and secure ONLINE transertcion, KIndly revert pl.

Best regards





<<JPEG>>


Thanks & Regards
Mobile Nos. : [protected]
E-mail : umesh.[protected]@samsung.com

Dear Sir/Mam

I have got message fromICICIBank Team that my PfF Settlement is done on[protected] for an amount of Rs.4465.00, But money is not yet transfered to my account till date.

My Employee ID :831234

Please do the needful as early as posssible.

Thanking you

warm regards

N. Sethu Nickolas
[protected]

sir,
i have online pament to day iciciprulife.co. my policy no.[protected] my. dt. of birth 02/08/1976, I will summit this premium receipt next 2 7 3 days so pl. send my pay premium reciept my mail id or my address

with regards
Vishnu Saxena
Mob. no. [protected]

Dear Sir,
I sent the money to pay my monthly due through my junior, he paid it to my savings account instead of my credit card account.So I was levied late payment charge.which i I paid. I stayed in out station. I do not know this status. So in the second month I paid only the regular monthly due of Rs. 1220 only. After this i happen to know that the payment is not made. then I piad the balances including the late payment charges.
. Now the second month also i was levied a late payment charge of Rs. 600( i paid the monthly due correctly in time but not the minimum amount due.) Kindly cancel my late payment charge of Rs 600 in the current statement which is due to 8 march 2010.My due is Rs 1220. only. But i have to pay 1200 as latepayment charges.I am regular in paying my due. this has unexpectedly happened.
Kinly do the needful.

card [protected] amt pd and acct credited on 27 jan 2010but debit for auto debitreturn in spite of full payment .
called 42088000 and get a reply system is down.
how can this happen?
when will they stop such weird debits?...

In the year 2006, i received a balance transfer offer to transfer all my dues from my SBI credit card to the ICICI credit card. According to the same, i received a demand draft for around INR 64000.

As the terms & conditions accompanying the DD were awkward, i did not use the DD to settle my dues. After talking to the customer care unit of ICICI bank, i sent the DD back to the Mumbai office of theirs.

But now, after all these years, when i accessed my CIBIL credit report, the card was said to be "written off" (closing the account without recovering the money after the lender loses faith that the borrower will pay). As this spoils my credit report, i contacted the credit card division of ICICI bank and they are still processing my request.

I submitted the request with the card number, my personal details and a copy of my CIBIL report and proofs that i did not use their DD.

Its been a week since i requested... i do not know what makes them take so long... please look into the matter...

22nd Dec’08.

From:
C.Sathiyavel B.E., M.B.A.,
5/ 3, Foxen St., Jagannathan Colony,
Perambur, Chennai – 600 011.

To:
The Manager .
ICICI Bank – Home Loans Division.
Trichy Road., Coimbatore. TN.
Dear Sir,

Sub: Request for return of my property documents – reg.
Ref: My ICICI Home loan a/c no: LBCBT[protected]. Applcn. No-2218 426.

I would like to bring to your kind attention that I had pre-closed my loan with your bank by making a final payment of settlement on: 12/11/08.
As part of the loan agreement, I am yet to get back my property document till date.
Would be glad if you could kindly expedite the same before 2nd March’10.

Thanking you.

Regards,
Very truly Yours,
C.Sathiyavel.
[protected]
sathiyavel.[protected]@relianceada.com

CC: 1. ICICI-NHQ, Home Loans Division, Mumbai.
2. ICICI-Phone Banking Centre, Hyderabad-34.

I am having a car loan account number LAALD[protected] in ICICI Bank for which the ECS is being debited on 10th day of every month from my account number[protected] in ICICI Bank. During Jan 2010 the ECS returned due to my salary coming late, for which ICICI Bank Car Loan department raised a conversation and got collected a cheque number 483389 for Rs 4873 from me, the denomination being as follows ( ECS amount Rs. 4648 and ECS Bouncing Charges Rs.275), and issued me a receipt for the same. Later in the month the aforesaid cheque was presented in the account and cleared, and alongwith this the ECS for Jan-10 was re debited into my account, thus debiting a total amount of Rs.9521/ in place of Rs.4873. As an impact of this negligence from Bank's side my cheque for Life Insurance Premium got bounced and the policy got lapsed. Moreover, when the issue was highlighted to the Bank's concerned department I was assured that the amount that has been debited by mistake will be credited to my account in next 48 hours, but now today even after more than 20 days of the previous conversation the wrongly debited amount has not been credited back into my account.
Due to negligence of the bank I had a loss of reputation, problems in reinstating my lapsed policy, and also interest loss on the amount not refunded to me by the bank in a reasonable time span.

Dera sir , i have recevied a statement of credit card no [protected] for Rs. 13666.64. I have made the payment for Rs. 12,600/- by a cheque no 368947 of PNB 17-B Chandigarh on[protected] . The bank statement shows the previous balance of 1095.45 with latment fee and interest charges. But i have not received any bill/statement fro ICICI last month. Please clear my account from these penalty charges keeping in view of my past record of payment Also send me a statment from[protected] to[protected] to enable me to reconcile my accounts of the credit card. My mobile no is [protected] and land line no.[protected].
Thanks and regards

I am a frustrated ICICI Bank customer..
ICICI Bank which "used to" provide great banking experience is now proving just "experience".
I recently made an online recharge of Rs.333/- for my Airtel Mobile on 14th February. As usual i did not get any amount instantly in my mobile.. But-this time not as usual- i did not get the amount even after waiting for 18 hrs. So, i called up ICICI[which doesn't have a toll-free number] and after pressing many options i managed to reach the customer care executive who asked me to wait for 4 more hours, as 24hrs is the time required for recharge. Later, next day, i again called ICICI, after 2 or 3 calls[some technical error with their PHONE BANKING No.] i reached the banker, who asked me to wait for 4 days now so that my amount be transferred back to account. After waiting for 4 days, i again called ICICI[till now i had spent around 55 Rs. for calling ICICI!], this time i got a reply that 4 days doesn't account for Sunday and also the first working day after that is actually counted as "ZERO" day and not 1st day !! thats the new counting system implemented by ICICI!, so i need to wait for 2 more days to register my complaint , also they can't call back and neither register the complaint in advance. After that, i planned to register the complaint online(as i had already spent around Rs.75 on calls to ICICI) and the message i got was that i need to wait for 5-6 working days for resolving my complaint!.
After seeing that message, i again called ICICI, where the person replied that their server is facing some technical error, and i need to call them again after 1/2 hr. I again called them after around 40 minutes, where i get a reply that i need to wait for 6 working days and after that CALL THEM BACK again if my amount is not transferred! So i am still waiting for 26th february to get my amount. But, even if i get the amount back, what about the kind of harassment faced by me and what about the phone calls for which i have already spent more than Rs.100/- from my pocket???.

Respected Sir,
Our Loan A/c No. LALUC[protected] CAR LOAN Name Balendoo Jaiswal our one EMI is Rest amount 3565/- on dt 1.3.2010. Our ecnomical conditions is very poor i am not paying capacity to pay
bouncing charges 6256/- and Late charges 936/- .

Thanking you.


Balendoo Jaiswal

[protected]

I am writing this email after exhausting all other options of getting any level of satisfactory customer service from ICICI bank Vashi Branch.
I am an NRI customer. My husband and I have been ICICI customers for the past 8 years.I work for an Indian company and my salary account is with ICICI Bank(Mangalore). We applied for ICICI Homeloan of Rs 30 lacs in Nov 2009 for purchase of property in Navi Mumbai through the DSA Avaas Finance. Our loan branch is Vashi, Navi Mumbai and my loan application #[protected].

When we first approached the loan agent,Gaurav Birla, who then worked for Aavaas Finance, we were told that the loan processing would take about 2-3 weeks and the disbursal would happen by 20th of December 2009. As the builder's deadline was December 31, 2009.

We submitted all necessary documents before returning to the USA. Also,since additional documents were needed from us as NRI customers( credit reports etc.) These were sent to them as soon as we reached USA ( by 3rd December 2009).

After a week we had still not heared back from anyone at ICICI or Aavaas.

On checking with them in the second week of December 2009, they said the background process was going on, and it would be only another week for everything to be done and loan to get sanctioned.

A week later we called again, the background process had not yet started. And the response was the same from all 4 parties that we approached.
These were
1) Gaurav Birla ( Aavaas Finance)
2) Manoj Mundra (Aavaas Finance)
3) Kiran Jumani ( ICICI Bank,Vaashi, Credit Manager)
4) Ashok Butte ( ICICI Bank, Vaashi ,Sales Manager)

Upon constant calling Mr. Ashok Butte replied that there should be no problem with our processing as we have such good account standing and if the builder was pushing for payment, he would talk to the builder.

So now, let alone process the loan in one month, it has taken ICICI Bank one month of constant prodding from us to just start on the background check.

Somewhere along in the following weeks, Gaurav Birla quit Aavaas. Most of our documents that we had submitted back in November 2009 went missing.
WeI had to re-send almost all of our bank statement, pay-slips, credit reports - All vital confidential information again.
This is a sample of how securely this particular branch of ICIC and its associates handle confidential customer information.


I have waited for 2 months to get my application to the Sanction stage. I have gone through a harrowing experience in the process - dozens of emails, hundreds of documents provided (most of them duplicates because the DSA lost our documents) , over 50+ international calls to DSA manager (Manoj Mundra) and branch sales manager (Ashok Butte) to check on the status of my application at every stage. I have received little or no co-operation from their end. Most of these calls were made after 12:30 a.m my time as the loan officers would come to office only after 11 a.m to office.

The sanction letter mentioned a rate of 9.25% as against the earlier agreed upon 8.75%. Upon enqury it turned out that the old loan product has been discontinued. So a new one was automatically selected for us, without apprising us of the change or choices present. After half a dozen more calls and questioning, we were told that there is a new product available at 8.25% and asked if we were interested in it. This is after being in constant contact over phone and e-mail with the loan officer and DSA.

After another 2 weeks of silence, we were told that the loan papers were being sent to our Power of Attorney in India. On examining, it turned out that these were papers for change of loan product. This means our loan disbursement is still a few weeks away, at least.

In the meanwhile the builder who should have received the payment by end of December 2009 and who has patiently waited through all this delays has finally given up and slapped a Rs70,000 fine as late payment.

As this delay has been purely due to the inability of ICICI bank and its DSA in processing the loan in a timely manner, and inspite o[censored]mpteen reminders and timely submission of documents from me, I want ICICI Bank to take responsibility of this amount and any additional penalty that the builder may impose due to non-disbursal of the loan.