ICICI Bank Complaints & Reviews

I have opened my account last 4 months. My account no is[protected]. I am staying in hyderabad. I have againts the icicibank why they cut the balance of my account without any information. The charges is 1 08/01/2010 QABChgs,oct-dec09+ST77 DR INR 827.00. I will request the consumer court to give me ny balance as early as possible otherwise i will withdraw my money and i cannot give the charge of the bank.
I hope u will solve my query as soon as possible.

From:
"ravindra pratap gupta"<[protected]@rediffmail.com>| Add to Address Book |This is spam



To: <[protected]@icicibank.com>


Subject: View your customer Care-3 Episodes in a month


Date: Tue, 19 Jan 2010 18:07:52 IST
Cc: <[protected]@icicibank.com>,<[protected]@icicibank.com>,<[protect...⇄








Dear All Higher-ups,
Big claims of customer service are a frusteration for customers like us. Feel appologitic for being a part of ICICI. Find below the episodes with no solution till date and only passing the buck that sytem takes 21 days.
Why a customer like me is in trouble. Many followups with lost many minutes and hours with helpline can check your record.
Kindly let me know why should i continue with ICICI Bank after such incidences and no solutions till date.
Rgds
RP Gupta
An Ordinary customer
Bank Account No:[protected]One complaint)
Credit Card Number:[protected] (2 complaints)


EPISODE-1
From:
"ravindra pratap gupta"| Add to Address Book |This is spam



To:


Subject: Cheque deposited not cleared more than 35 days


Date: Sat, 09 Jan 2010 13:23:02 IST
Cc:




Dear Amar,
I am trying your landline numbers but unable to connect.
I had met you on 5th January regarding the SBI-Income Tax refund order (Made from Haldwani-Uttaranchal State) drawn in favour of ICICI Bank account number[protected]deposited in ICICI Bank ATM Khanda Colony -New Panvel-Navi Mumbai on 10th December 2009 (Cheque Number: 933178 and amount Rs 47510)
Till date the amount has not been transacted in to my account. Also have launched the compliant with customer care twice. The complaint details
Compliant date Complaint Number
4-1-10 SR[protected]
5-1-10 SR[protected]

Please resolve the issue at the earliest. Already a long delay has happened.
RP Gupta
Director Corporate Relations
Indira Group of Institutes
Navi Mumbai
Mob No's: [protected]
[protected]

EPISODE:2
On January 14 a home loan installment of Rs 10747 debited from ICICI Bank Account No:[protected]Actual Installment Rs 11015)
Again on January 16th rhe account is emptied full with Rs 9260.14 on pretext of Home loan LBNOD[protected]. nO INFORMATION GIVEN AND NO RELEVENCE FOR DEDUCTION. On calling helpline error accepted but no solution of disbursal of amount back to account



EPISODE:3
To: ,


Subject: Re: Booking - Yatra Ref Num F4S45C


Date: Tue, 19 Jan 2010 12:25:08 IST
Cc: ,



Dear Sir/Madam,
Find details of my below. Fisrt amount of Rs 12314 has deducted from my credit card (SMS recieved from ICICI Baank & spoken to Customer Care Team Leader Ms Susan from ICICI Bank Customer Care-Hyderabad. Second mount of Rs 12414 has been deducted against my ticket booked.
KIndly check and let me know the fisrt transaction amount of Rs 12314 & ensure refund (ICICI Bank Credit Card Number-[protected])
Ravinder Pratap Gupta
[protected]



RP Gupta
Director Corporate Relations
Indira Group of Institutes
Navi Mumbai
Mob No's: [protected]
[protected]

Hi Team,


I work in an ITes company and I have a demat account with ICICI direct. Initially i took this with the intention of investing some money in stocks, they took 1000/ rupees and I got the demat account.
Then I started trading, but before I started to understand the basics my account got locked.
I have been asking them to send the password to my office in Richmond circle, from the past 2 months and still I am yet to receive. I have informed them that i am staying in a PG, as such requested them to send the password to my office address. There is no response from them. This is heights of lethargy and putting the customer into hardships and lot of inconvenience.


Regards,


Harsha

Sir,

I have two ICICI credit cards with nos.5176XXXXXXXX0008 & 4477XXXXXXXX0008. The second is an EMI card. Based on the statements for the above two cards for December `09, i had made a payment for minimum amount due of Rs.1300/- & Rs.1000/- respectively totalling Rs.2300/- vide a single cheque bearing no.320627 drawn on Comptrollers Office Co-Op Bank, Bangalore-560002. Both the card numbers and the amount of payment made against each cards were clearly mentioned in my cheque. But the whole amount of Rs.2300/- against my cheque has been adjusted towards my card no.5176XXXXXXXX0008 and thus the minumum amount of Rs.1000/- due against my card no.4477XXXXXXXX0008 has been treated as payment not received. This is a clear mistake on the part of the Bank and i have been penalised for no fault of mine. The above points were clearly explained by me about three times when i got a call from your Customer Service but they failed to make amends, to be specific i was turned a deaf ear. Like rubbing salt over the wound, I have been charged a late payment fee of Rs.350/- plus service tax of Rs.36.05 and your Customer Service people keep calling repeatedly. The whole thing is because of the clerical error on the part of the Bank. Now, i have made a payment of Rs.2000/- against the EMI Card vide my cheque no.331084 drawn on the same Bank mentioned earlier and it is dropped in your ATM situated at New BEL Road, Bangalore-560054. Based on the facts mentioned above i request that the late fee of Rs.350/- and service tax of Rs.36.05 be immediately reversed and please advise your Customer Service to kindly listen to what the Customer is pleading and set right the things instead of always centric about reminding the Customer for non-receipt of payment. Please be informed that i have been making payment by clubbing amounts against two cards to Citi Bank also and never i have faced such problems. Hope the late fee and service tax will be immediately reversed.

A word in reply will be highly appreciated.

Thanking you,

Yours faithfully,


[N.V. NARASIMHAN]

Respected Sir,
I have closed my credit card account due to loss in travelling but they send me bill to my home after closing my credit card acccount they send me bill with late fees with any amount they want please help me i am very unhappy with this attitude of ICICI Bank

From,
Binish TR
Thekkilakattil House
N.A.D P.O Aluva Pin 683563 Kerala


Dear sir/ madam,

Subject: refund my Employee providence fund no

I am BINISH TR Worked as Credit Processing Assistant ( CPA )in ICICI BANK Home loan cochin branch ( Edapally St :George building ) from 27.07.2006 to 15.3.2007 . But I didn’t know my Employee providence fund number . My address is Thekkikakattil House N.A.D P.O Aluva Pin 683563,Ernakulum,Kerala.

Please send my Employee providence fund number as soon as possible and advice me the further formality to withdraw the amount. I hope will get the reply as soon as possible.

Kindly do the needful.

Yours Faithfully,



BINISH TR

Dear Sir,
I have settled my personal loan account with ICICI bank on 08.01.10. My personal loan account no. is LPJAI[protected]. Pl find scanned copy of settlement paper. Request you to pl immediately remove my name from CIBIL.

regards;


Shadman Husain

Sir/Madam,

This is to lodge a complaint against ICICI Bank Credit Card Department who has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter).

Due to this I have cheque bounces on my account. When I enquired about this they talked very arrongantly and said that they have authority to do whatever...

Please reply for the current status about the above product as we are unaware about the current situation

Hi,

My name is Subhash Kapoor. I have ICICI credit card and the number of that card is: [protected]
This card is with me since last two year and i am not using my card anymore. But certainly i recognize that there is some transaction made on my card on 29th August then i called to icici customer care and told them regarding fake payment. Then they trasfer all the amount which was fake please see the below:br...

Dear Murlidhar
I agree that the installment cheque in May2005 was bounced due to less balance in my account . This installment was was paid on[protected] vide cash receipt No. IL[protected] of Rs 5034/- personally to ICICI staff which include Rs 229 as over due charges and Rs221/- as cheque bounce charges . The scan copy of this receipt had been sent to you. This has been shown in my passbook and you are wrong to say that it is not updated there. Except this NO OTHER CHEQUE HAS BEEN BOUNCED. Your over due and bounce charges are absolutely unjustified and wrong. ICICI seem to me is a fraud bank. All document submitted by me have not been examined thoroughly.

gsingh
(Gajendra Singh)
Professor &Head(Retd.)
G.B.Pant University
of Agric. & Tecch.
Pantnagar, India-263145

Sir,

My wife have ICICI credit card took 2 years back.

Recently she booked flight ticket using the credit card for Rs. 83000.

Amount due date suppose to be paid is 20-dec-2009.

We paid 75,000 out of 83,000 for which still they charged interest for the whole 83,000.

Here is the interest fee details furnished by their website in the given URL http://www.icicibank.com/pfsuser/cards/creditcard/fpc.htm

Here are the two important fee rules:

1) Interest Free Credit Period
18-48 days (applicable only on retail purchases and if previous month's balance outstanding is paid in full)

2) Finance charges on extended credit
0.99% (Monthly) 11.88% (Annually) for Easy Deposit Card

1.75% (Monthly), 21% (Annually) for Spouse Card
1.99% (Monthly), 23.88% (Annually) for Home Card
3.15% (Monthly),37.8% (Annually) for Private Banking credit card w.e.f. March 1st 2008
2.75% (Monthly) 33% (Annually) for ICICI Bank Signature Credit Card
3.15% (monthly),37.8% (Annually) forTitanium, Platinum Premier credit card
3.40% (Monthly) 40.8% (Annually) for all Blue silver & Gold cards, irrespective of the date of transaction
0% (with Annual fee) /1.49%/1.99% (Monthly) for EMI Card. Applicable from the day of transaction.
Finance Charges on extended credit and cash Advance:2.75% (Monthly), 33% (Annually) for ICICI Bank Platinum identity Credit Card.
1.99% (Monthly) 23.88% (Annually) for Fixed Deposit Instant Credit Card.

If you see 3.40% (Monthly) is charged. But on what basis? They didn't explained on their website.

When i called the customer care, the explanation (which is good for them) is that even though the part payment is made still they charge the interest rate for the whole due amount for the last month.

Please do make the necessary action against the fraud bank. Banks like them are blood suckers of our hard earned money. Whole recession world is facing now is because of the bank thinks that they can apply any blind interest on the people.

Please do the needful to take the action.

I will send you the necessary details based on your input.

Regards,

Nazim

Dear Sir,
With reference to above cited subject, I would like bring following few lines to your kind notice.
1. In the month of March I received a message from ICICI bank quoting that I should pay the outstanding amount immediately for the money withdrawn against my credit card. Whereas, the fact is, I had attempted to withdraw Rs.3000 from ICICI ATM located near Rajiv Gandhi Bhavan, Nashik. But transaction was denied by ATM.
2. Accordingly I booked complaint telephonically on ICICI call center at Mumbai on 22/3/2007. Call center attendant had given me “Wrong Transaction ID no. sr20550318” and told me that matter will be checked and will be informed to me within 60 days.
3. Meanwhile, again I received message from ICICI bank to pay the outstanding amount, which was inclusive of all the penalties. Hence I enquired for complaint at its Mumbai call center and I had been told that the case has gone in favor of bank i.e. I have to pay the amount.
4. Since 22nd March I am unnecessarily being stressed mentally due to this matter in which I am not at all at fault.
You are kindly requested to investigate the matter and oblige me.

To Kumar
CRM,Credit Card Department.

As per my discussion with you i sending this email.

I have a Credit Card from your bank, i have been using this card from past 3 years.

I made a call to get the 3D Secure PIN, which needs to generate and provided this PIN to the customer.

1st I had called up ICICI on Tuesday 12th Jan at 9:15 PM for to get the PIN. your customer support asked for me to update the details under this link.

https://www.3dsecure.icicibank.com/ACSWeb/EnrollWeb/ICICIBank/main/index.jsp, i have updated my Card Number there and she asked me to click on Forgot 3D Secure PIN link.

I have selected the mode of delivery for to receive the 3D PIN to my mobile number which was updated from past 3years.

2nd ICICI CS asked me to wait for min of 10min and max of 2 hr to get the PIN on my mobile. i was waited till 10:00PM i have not got any update.

I called for the same he said and he asked me to do the same process so that he can send the same request from his end.

I trusted that he has taken care of this thing for me so that i can book my e-ticket for my journey. But not get any update till midnight. i was expecting the PIN in morning but no update...

3rd On 13th Wednesday i was suppose to travel and it is got canceled because of this. and one of your ICICI badmannered lady updated me saying this it done from there end! said "if i am not receiving a message (PIN) from ICICI it is your problem our service provider problem"

This what i got the update from at 10:00 AM 13th Wed. i have called more then 10 times to login i had call with customer support more 6 times i was fagged for this problem get it rectified as early spent more then 3hrs for the same

Later at in 13th evening i got the update that i should provide you the my personal Email ID which is no where related to get the PIn on my cell. i have created and updated you nonsence guys are asking me to wait for 3 DAY'S for the PIN.

I am holding Savings account / Credit / policy from ICICI. And you are one of core customer to my company. this is also a salary account for me.

I have updated the email ID on the spot and provided my DOB MOB nu Full name more then 20times.

Please let me know what best you can do it from your end.


Thanks
Srikanth

Dear Sir, Date:[protected]
To,
The RBI OF INDIA Costumer care manager/ The Complaint Board Manager /To the Manager of Credit Card,
ICICI BANK INDIA LTD,
Dear Sir,
I had written a complaint on Date:- 12/07/2009 against ICICI bank credit card but still this complaint has not solve but the above bank making the HARESMENT , TOURCHING AND USING VERY CHEAP WORDS , I had send the later to ICICI head office Mumbai and Hyderabad and same to RBI Mumbai and Hyderabad also , My card no( [protected]) this my card no but the above bank person has change my Card no [protected] without my knowledge and convert to in EMI which they asking monthly Emi Rs 7,072-00 per month in 18 months which principal amount Rs86,000 and I had lot of request to them I pay to ready what about principal amount without interest in 24 months Emi but there not here anything talking very rough language and use very cheap language which is we not able tell any body ,
I request you to you all please see this matter and help me once again I request to you all please help me on this matter and solve and I ready to pay the payment which principal amount in Equal Emi in 24 months.
I hope to you all and help me on this matter.
Thanking you,
OM SUDEEP GOEL
Card no [protected]. / [protected]


Mailbox of [protected]@rediffmail.com Print Cancel
From: shyam<[protected]@rediffmail.com>
To: <customer.[protected]@icicibank.com>
Subject: Re: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@rediffmail.com
Date: Thu, 10 Dec 2009 13:51:36 IST
Dear sir ,
This my persnaol request you please help on this matter because im got hevay losses in business
from one year i was not paying prorally you see my account on that base you help me please im
requsting you for this matter and i not able to pay this much amount so once again i requsting you
you understand im asking this much fovour from your side if any persion was not able to pay the
amount so that time you and your bank help them , i hope you and help me please and my and my
chilhrens furchare in ou and your bank hand only you see this matter very deeply and help me.
Once again i requsting you please help on this matter , you help me on this matter i was in my life i
not forgot to you please.
Thanking you,
Sudeep Goel [protected]
On Thu, 10 Dec 2009 11:10:38 +0530 wrote
>
Dear Mr. Goel,
We regret to inform that we will not be able to change there EMI tenure as requested by you.
We request you to make the minimum payment as per the statement to avoid further financial
charges.
We inform that as per the December, 2009 statement the minimum amount due is Rs.21,216.00 and
the due date December 27, 2009.
Sincerely,
Abhilash Reddy Chada
Customer Service Manager
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."
Welcome to Rediffmail: Inbox Page 1 of 3
http://f1mail.rediff.com/prism/readmail?printable=1&block_images=1&file_...⇄ 12/25/2009
>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 email
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our customers in any manner or to evade responsibility for any act of done with the endorsement of
ICICI Bank.
-----Original Message-----
>From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
>Date: Monday, December 07, 2009 03:07 PM
>To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
>Subject: Product: Credit Card / Old Customer / [protected]@rediffmail.com
Title: Mr.
First Name: OM SUDEEP
Last Name: GOEL
An ICICI Bank Customer: Yes
Product: Credit Card
Account No: [protected]
What would you like to say: DEAR SIR,
SIR I USE ICICI CRIDET CARD CARD NO [protected] OF OUTSTAINDING IS RS 85,
000.00 WHICH IS I NOT PAY REGULARY SO I REQUEST THE ABOVE BANK MANAGER I
READY TO PAY THE AMOUNT IN EMI BUT THIRE NOT READY TO TAKE THE EMI AND
DOING ME HARSEMENTS AND USE WRONG WORDS AFTER THIRE HAS INFROM ME I
PAY MONTHLY RS7.072.00 PER MONTH IN 18 MONTHS SO I SEEN THIS COME VERY
HEAVY INTREST RATE SO I LOT REQUEST THEM BUT NOT HERE AND DOING
THORCRHING TO ME AND THIRE FINALY TOLD ME IF I NOT PAY SO I FACE PROBLEM
I SEE THIS ALL THINGS I FINALY DISED CONT TO YOU ON THIS MATTER,
I REQUEST YOU PLEASE DO ME NEED FULL HELP ME ON THIS MATTER AND MAKE
THE EMI IN 24 MONTHS OF RS 85000.00 IM READY TO PAY THIS MUCH AMOUNT
ONLY IN EMI ONLY, AND I WANT INFROM TO YOU I HAVE THREE CHILDRENS IF I
PAY THETHIS MUCH AMOUNT TO ICICI BANK SO HOW WAS SEE THEM YOU SEE THIS
ALL FACTS AND HELP ME.
ONCE AGAIN I REQUEST YOU PLEASE SEE THIS MATTER VERY DEEPLY AND HELP
ME.
THANKING YOU,
Welcome to Rediffmail: Inbox Page 2 of 3
http://f1mail.rediff.com/prism/readmail?printable=1&block_images=1&file_...⇄ 12/25/2009
OM SUDEEP GOEL
[protected]
E-mail address: [protected]@rediffmail.com
Telephoneno:+91-40-[protected]
Correspondence address: 502 5th floor gourav kalyan aprtment kachiguda hyderabad
City: hyderabad
Country: India
Pin Code: 500027

I have submitted on 07.08.2009 10 cheques of PDC of Home loan. To day i.e. on 13.01.2010 my husband received phone call at 10.47 AM from ICICI Bankand stated that she had alredy talked yesterday about PDC of home loan and my husband committed to deposit to day all PDC. However no such phone call was received yesterday. To day the lady/girl phoned and asked for depositing 21 PDC till final payment of 10 year term loan. I fail to understand why the ICICI Bank people are so greedy about PDC when my PDC with them are there till 07.05.2010. Such a fear that I will shift loan because they are charging much higher rate then others is also known to world.Such abusive harrasment is certainly not tolerable to any one.
Mrs. Rita Popat.

dear sir/mam,

i am icici bank customer, i have seen lot of time he not follow RBI rule. when we request for car loan tracking report, bank statement he charged. but as per RBI it should be free of cost. also bank not provide passbook, and if i request for stamp on print out of bank statement(from icicbank site) he refused it and ask it is against RBI rule.

Please help me regarding this issue.

ON[protected] A FRAUD TRANSECTION OF RS.111468.75 WAS UNAUTHORIZEDLY DONE ON MY ICICI BANK CREDIT CARD I WAS COMPLAINT AGAINST THIS TRANSECTION TO ICICI BANK IMMIDIETLY
AS PER MY STATEMENT SEND BY ICICI BANK SHOWS THAT THE PAYMENT OF RS.111468.75 TO INDIAIDEAS.COM-MSEB.

SO, YOU ARE REQUESTED KINDLY INFORM ME WHO IS THE PERSON OR COMPANY WHO UNTHORISEDLY USED MY CREDIT CARD.

I requested for mobile number update and it got reflected in the website. when i sent sms requesting URN to add a payee it says "URN cannot be sent as it is cooling period". WTF.

I have taken home loan of 32 lacs @7.25% interest rate in 2005. In last 5 years there has been tremendous fluctuation in the interest rate. Given the pattern of changes, it is obvious that MY interest has NOT been taken care of and the effort by ICICI is to squeeze maximum. Also, the changes are NOT with respect to RBI norms as i got it checked with other banks. In 5 years, i have paid back more than 10.5 lacs and my principal remains at the same level with about 60 thousand less. This is definitely not acceptable. NO Bank on the planet does this. I have checked with multiple renowned banks in India. I have obviously been cheated as whatever i pay goes 90-95% to interest to feed ICICI and 5-7% to my principal.

I met one hopeless branch manager at JP Nagar, Bangalore branch, Who happened to be useless to answer my queries and despite promise did not even bother to call back.

As a Customer of a Bank who claims to be "Customer First" and other rosy slogans for Indian Citizens...May I request the authorities in ICICI bank to answer and work upon the following:

1. Why un-productive and un-responsive people have been deployed to deal with Customers

2. Why ICICI bank does not follow the RBI guidelines. If ICICI think they do, please compare my account interest month-wise and put FRR and PLR aside, you will come to know that you have not followed RBI guidelines in my case.

3. Who can correct the interest and principal component revision in my account since beginning and let me know what is the outstanding today. This division is definitely not consistent.

4. What compensation ICICI will provide for having done the inflated calculations and customer-squeezing EMI calculations.

I am waiting for the response from a responsible manager of ICICI bank.