ICICI Bank Complaints & Reviews

Dear Sir,

I lost my ATM Card and whosoever has theft it had mis-used it. He withdrawed a sum of Rs. 13,000/- through ATM. Though SMS alert system is activated but not a single sms is received after the 3 transactions done.Camera fitted at ATM centre are not fitted properly and because of this the theif is not viewed properly. It is bank insufficiency for which i have suffered. Bank should solve this case.

Hi,

I had canceled the ICICI card in Feb 2009, but recently I came to know that the card has not been canceled by the bank and the interest on the card has piled up. The customer care executive says "card has been canceled but the account is not". This is embarrassing. Who can help me in this regard?

Thanks

Dear Sir,
Kindly refer to my above Service Request No.[protected]. I had furnished full details of my case in this complaint. Any how since your staff who called me over phone from [protected] at 10.48 hours on 12/12/2009, in response to my SR[protected] dt. 11.12.2009, I am once again furnishing details of my complaint.
I have availed home loan of Rs. 585000/- during August 2003 for purchasing a house at Erode. . My Loan No. is LBERO[protected]. Having experienced many discrepancies & sufferings a lot, I have fore closed my loan on 12.07.2008 at your Salem branch. After Closure, I was asked to collect the documents & I attended your Salem branch during first week of August 2008. But the registration document (Original Sale deed) in my favour was missing & I refused to receive the other documents without the main & important document. After that I approached your people many times from top to bottom. I was told by them that the document was not traceable. I was informed that, since the transactions during 2003 were dealt by Coimbatore office, they are unaware of the official who dealt with my case & where the document was kept. I have sent a letter to your area operations manager at Chennai also. But there was no proper response from anybody. Hence, I have made a complaint through service request No.97657483 during February 2009 as a last resource. One, Ms. Chigurupatati Banu, Customer Service Officer & Ms. Chitralekha , Customer Service manager responded through phone & E-mail & assured that they will process my request. Through E-mail dt. 18.3.2009, & over phone Ms. Chitralekha informed me that I can collect my documents from Salem Branch. Immediately I contacted Salem Branch. But I was informed that the documents available were the same documents as in July 2008. And now also original sale deed in my favour was not available. Hence I again sent the complaint through e-mail to Ms. Chitra Lekha, stating of the facts. But there was no response. As such, after patiently waiting I again made a complaint through SR[protected]. I was contacted by your staff from [protected]. After gathering all the details she had again contacted me after 15 days and informed me that they are in process of tracing the original sale deed made in my favour & it seems that the document had been misplaced. As such in the event of non traceability, they will arrange for recreating the document by observing usual formalities. She asked my concurrence in this regard and she also informed that I will be asked to sign in a form of concurrence and she will call me again in this regard. But after that, there was no response from your end. Whenever I try the above phone number, I am getting the report as “ the number not available”. Hence, I have again preferred this service request & sending the details as per your request.
Sir, 18 months had passed since I had closed my loan. Still, I am struggling from pillar to post to receive my documents. Since I am also an executive in a public sector enterprise, I find no time to approach you again & again. I have patiently waited till this time for an amicable solution. I am having material proof for having suffered by your people & your system during the operation of loan. I request you to return my documents including original sale deed & I need a proper written response from you at the earliest. I believe that my case will be dealt with immediate care & settled smoothly. In the event of failure, I find no other way except preferring a case before appropriate legal forum at your cost including for the sufferings I had experienced during the operation of loan.
Expecting your earliest response,
Thanking you,

Yours Sincerely,

(S. RAGUNATH)

Subject – Fraudulent withdrawl of Rs. 14,500/- from my A/C No.[protected]


Dear sir / madam

I Nirmal kumar shrivastava have been the regular customer of well reputed icici bank.
I here by inform you that a personal loan executive from HSBC Bank has come to my cocern for personal loan & collected cheque without my signature with the relevant documents required for personal loan & on 16/12/2009 at about 2.10 PM the money was withdrawn from ICICI BANK south extension – 2 , new delhi , the detail of fraud are as under :-

Name : - Ashutosh

Employee :- HSBC personal loan atta chowk noida (up)

Mobile no. :- [protected] & [protected]

Cheque no. : - 129311

Amount :- 14,500/-


I would request you to please investigate it that how is it possible to withdraw the money without the signature of the a/c holder & how the money was withdrawn without the proper identification of the concern person.

I request you to please take immediate action .

THANKS

WITH BEST REGARDS

NIRMAL KUMAR SHRIVASTAVA
A/C NO. [protected]

PARAM JYOTI MOVERS PVT. LTD.
615, PACE CITY –II . SECTOR – 37 GURGAON (HR)

CELL NO. -[protected]

Dear Sir,
we have taken a Home Loan from ICICI Bank, for Rs 8,19,760/-
@Effected Rate of interest 8%
Type of Interest was Floating
Loan Term(months) was for 240 months
@monthly EMI was calculated Rs 6857/-
to buy a Buil-up Flat at
Ramprastha Colony,
P.O. Chander, Ghaziabad 201011,
on 14th, July, 2005,
EMI was calculated @ Rs 6857/-
Loan A/c no: LBGHZ[protected]
This is total refrence for this loan, and so we have paid till date December 2009, aprox . 53 EMI, during this period the recession was there in the market.
So, as per ICICI Bank they have increased the Rate of Interest 3-4 times during this period and so they increased a very handsome amount of EMI too, day before yesterday I visited the Bank branch Netaji Subhash Palace, and I came to know that the Bank has increased the Term of Loan from 240 to 335 with the EMI, means they increased Tenour and EMI too as well, and I have paid only a few amount and Rs 7,80,017/- is outstanding in my a/c,
I was totally shocked to know this means I have paid nothing as the 282 EMI is Still pending besides the Amount to be paid as against the Loan taken, and what I have understood that whatever I have nearly 5,00,000/- Rs paid has no value. I had talked with them their officials but all was in ruin, and they have suggested an option as follows:

1. you take an insurance by filling an Agreement BOND in which they will charge me a monthly installment and will convert this Home Loan into a New Rate of Interest i.e. 8.25% and the Tenur will be 152 months.
2. they want me to deposit 1,00,000/- Rs and will continue for at least years to get this opportunity.

I asked them that you could increase the amount of EMI only why you have increased the Tenur too and that is too this much, and now you are building pressure on me to invest and will reduce the EMI Amount and Tenur as well.
was that recession so big that this amount with the Tenure has increased this much, I believe the fact that there is no difference in the past money lenders and this bank, and this will be continue with great grand children also and my loan amount they will be paying continuously, but the Loan principal will remain as it is and Chakraborty Interest will keep on and one day we will be without home and the will acqurie this house and my hardearned money too.
so my concern is cannot we stop the bank doing all this lootpat, and would request you to advice me how should I go against them and what and where I should go/contact to take neccessary action against their policies which they are refferring to.

Kindly help as you can understand my problem/trouble. I also do not know wether thir will be some guidence/help /reply from your side.

I will request again to help me out.

thanks
with regards
Jindal

Respected Sir/Madam,

Recenty i submit a complaint against ICICI Bank on 12/12/09. I was having a credit card of ICICI Bank. Card No. is [protected], i use that card and refund the amout to bank as per their given statement. But after refund them excess of my usage they agian sent me a statement for arround 40000/- appx. when i refuse them to pay on the ground that i have already paid almost doubled amount for what i use, they auto debit amount from ICICI Bank from my A/c no.[protected]. They did not notice me regarding this withdrawl. I only came to know about this when i went bank for payment and found my a/c showing zero balance in it.
i request you to please intervene in ths matter and help me to get my money back.

Thanks & regards,
Amarjit Singh

Please help me. The ICICI Bank has seized my four wheeler due to non payment of EMIs. I failed to pay the EMI since my employer (Exensys Software Solutions Limited) has not paid my salaries since December 2008.

Now the bank has taken away my vehicle by force and asking me to pay the entire amount of Rs. 1.7 lakhs to take back my vehicle.

I need assistance. I cannot pay back this much amount at once.

Sajid Khan
Mobile: [protected]

Sir,
I have received a message from your TM ICICI Bank indicating that EMI of Rs.9291 is over due for ICICI Bank loan account LPDELXX8849, as on 30 Nov.2009 and for paying the amount in any ICICI Bank branch immediately.

I am to bring to your notice that no loan has been taken by me from ICICI Bank on the above loan account. Please check and correct your records and send the message to correct person.

Thanks.
B. C. Joshi

Dear sir,



Sub: Issue of Clearance Certificate-requested-reg.

Ref: Loan Agreement No: LTSKK[protected].



As you are kindly aware, the entire Loan amount under the above referred Loan agreement has been cleared by me with the last instalment paid during February, 2007.



Now, I request Your Goodself to please issue me the Clearance Certificate so as to enable me to make necessary endorsement in my R.C.book with R.T.A Office.



Kindly note that my Old address is changed and hence please send the Certificate to the below mentioned address.



D.NO: 15-14-4/2, BUDDAVARAPU GARDENS,

KRISHNA NAGAR,

MAHARANIPETA P.O.,

VISAKHAPATNAM-530 002.



Expecting your earliest necessary action,



Thanking you,



Yours truly,





(KALLEPALLI SANTOSH KUMAR)

Dear Sir ,

Kindly send me the pin no for my card as i have not use the card & i am not having my accout no also
Card no : [protected]
Plz send it on my mail :- [protected]@yahoo.co.in
Yours Fathifully
Pankaj,

1. 05.10.09 Cheque No:734529 - Rs 9269/
2. 02.11.09 TP AXIS BANK LTD/[protected] - Rs 9269/
The above transactions were approved by Icicibank bank against the Personal loan which I have availed from Axis bank.
But the EMI for the month of Dec'09 was declined by the Icicibank Bank evevnthough enough fund was in my A /C No :[protected]. The available balance on my A/C on 01.12.09 was Rs 5,09,499.07.This has spoiled my relation reputation with Axis bank with out valid reason. Hence I request Icicibank bank to give proper explanation and copensation for the damage caused by them.

I am holder of Credit Card of ICICI Bank.

My billing cycle was 20th to 19th till Sep 09 which was change to 24th to 23rd from Oct 09. Due to which my Oct month statement was for the period from 20th Sep to 24th Oct.

The change for the same was not intimated to me and I did some transaction based on my credit card billing cycle and finance plan on 20 to 21 oct 09 considering that the due date will be after 45 days.

However the same was billed to me for Nov 09 bill. I called the customer care and given them request that the payment will be made in next month as the change in billing cycle was not intimated to me. And based on it, they should not charge the interest.

The customer care department noted the request and assured me that the interest will not be charged and will be reversed if charged. They given me the requisition no[protected] for the same.

On 23 Nov 09, bank has charged interest in my account and on my call to customer care, i was being replied that the interest will not be reversed.

my compliant is against bank for non intimating me the change in billing cycle date and non reversing the interest.

Sir,

I Anand Soni taken 2 policies from ICICI Prulife , policy no bearing 02797553 and 02797554, i have submitted the form for my Partial withdrawel at ICICI Bhiwadi office on dtd. 2/12/09, duly signed and filled enclosed with a crossed cheque , and they assured me that i will get my refund within 7 days, but after 10th day I again called to Bhiwadi ICICI and then they told me to talk to there alwar office no.[protected] and 636, I talked to Mr. Vimal on dtd. 15th , 16th and 17th , so many times and i always get confirmed by him that my amount has been transfered to my bank account , but lastly at this time on 17th evening 6.30 pm i have been told that my amount has been revert back due to some problem of bank transection / transfer and i will get the cheque through post, but they could not able to confirm me why the amount reverted back, and for my second policy they have told that it has been no yet logged for refund due to lack of some document, if the document is not complete than why not i have been told by Bhiwadi ICICI office ( ph. No.[protected] during submission of the same if they didn't seen then why the next staged office not informed me at the time of received at there end, I have never received a single call from any of the ICICI office after submission of my form for refund ( Partial) , after my several calls they informed me like this and the time passes to 15 days, is this the quality of there after sales and services , I want my refund within 3-4 days otherwise i have to go to consumer forum, to take strong action against ICICI Prulife, I have been misguided everytime, never received any calls from them. kindly solve my problem within 3-4 days.

My credit was debited Rs 1295 on 26/11/2009 for CCP Assistance without my knowledge. I called CCP for refund but there is no response till date. In fact, the origin of this issue is, a phone banking executive of ICICI bank who made this unwanted proposal and registered this service on behalf of me. I feel that the ICICI bank phone banking executive cheated me by registering this service. (I called ICICI bank toll free number for getting some information about balance transfer). I don't want this CCP service. Please help me get out this CCP service.

Dear sir,
I was having Aicici bank credit card no [protected] I returned the card somewhere in 2005-and from then I kept receiving the call for the payment when there was nothing to be paid then also I have paid 1600 rs for four five times they said it is for settlement and After that again I use to get the same call and they say ur amount is due so then in aug 2009 I have been deducted of rs 4572 from my[protected] a/c no
Which was with them and then they told me for ur credit card which I was not using for 4-5 years that they have again deducted the money for the credit card
After a month I have gone to rohini-delhi in their office and asked for the statement and told them the complete history they gave me the past two years statement and said we will get u more two years statement from Mumbai office and we don’t find any purchase in it ,there must be something wrong we will check it and will transfer the money.. since past 4 months I have not received any statement any actionand now again I have started receiving the same call for more money .this is the attachment of my account where they have deducted the money without any prier notice and without my using their credit card for past four five years



Account : [protected]
Statement Criteria : Date ranging from 15/08/2009 to 07/09/2009



Status as on : 07/09/2009



Sr No. Value
Date Transaction
Date Description Cheque No. Withdrawals Deposit Available Balance
1 24/08/2009 24/08/2009 [protected] 4,572.58 0.00
2 03/09/2009 03/09/2009 [protected]:Int.Pd:[protected] to[protected] 5.00 5.00



IFEEL COMPLETELY MENTALY HARRASED FOR ALL THIS THING .
I request the IINDIAN GOVT AND GOVERNER OF R.B.I TO LOOK INTO THE MATTER AND PL. SET ME FREE FROM ALLTHIS


Hoping for kind co-operation
And early response on the subject
Thanks & rgds
Sandeep bhasin
[protected]

I am using ICICI credit card since 2005. I have forgotten my password for online transaction for buying Railyways/Air tickets etc.

It is therefore request to reset it so that I can create a new password for future Online transaction through my ICICI credit card. An intimation in this regard may also be forwarded to me for necessary action.


Thanking you,

Uday Kumar Gupta
ICICI Credit Card No.[protected]

I have made a fund transfer of Rs 1400 from my ICICI bank account[protected] to SBI bank account [protected] of my yunger brother on 14/12/2009 .Transfer ID is[protected]but as per my brother amount has not been deposited .Generally transfer takes few hours but this time it is getting delayed and ICICI is showing that transfer is successful.My brother is facing problem as he didn't get the money on time.I tried to contatc ICICI but didnot get proper responce.They should inform such delayed transaction .the amount has allready been deducted from my account and my brother didn't get the money.

ICICI BANK CREDIT CARD NO [protected] STATE MENT FROM 6 TH NOV TO 5 TH DEC NOT YET RECEIVED FOR HARD COPY. PLS SEND TO MY HOME ADDRESS ARE MENTIONED.

BY
C RAVI CHANDRAN [protected]

I am a credit card holder of icici bank bearing # [protected], I had been paying in the card regularly but due to my sudden financial crunches, i have failed to continue the same from the last few months. In the meanwhile i was in touch with one of their executive name Mukesh who used to sit at the upperwood street office and I have also made several payments to him, he used to contact me and send colletor to me for the collection of the payment. Since last few months he had stopped calling me up and I contacted the bank directly to go for a settlement of my credit card account. I never quoted any amount and left the whole thing on the bank to decide. But to my surprise they stopped contacting me suddenly and finaly i came to know that my total outstanding is some 79000/-. I have stopped using the card the very day i failed to make the payment. If bank would remain honest in their part, even they would agree to this. Then how on earth my oustanding reaches to such a pick point i failed to understand. To add more to this, bank never contacted me since the day I had spoken to them about the settlement, moreover since I have my salary account with Icici bank, they have lien the account without even informing me. My salary account balance reflects in negative figure now and the moment i receive my salary the whole amount gets deducted and i do not receive any payment. Bank could have informed me before doing the same. I am not an outsider. I work for the same group (ICICI Prudential LIC ltd) and it is very easy to get my number traced out or the location of the branch am working in. My whole family and my brother's education depends on my salary and bank has taken such a drastic step without my knowledge. I want my money back from the bank and would request them to settle the account or else i would be left with nothing but commiting suicide due to ICICI BANK.

plz note that i can pay rs.60000SPOTANEOUSLY BY A DEMAND DRAFT OR I WILL CONTEST THIS CASE IN THE COURTS OF LAW
>We inform you that your credit card account5176 xxxxxxxx3001 has been permanently deactivated due to the non payment of credit card dues.
>
>
>
>As on date outstanding balance in your credit card account is Rs. 168,571.79.
>
>We will be unable to provide settlement for the requested amount. We request you to contact the collection department for further assistance.
>
>ICICI Bank Ltd., 248, Andheri-Kurla Road, J. B. Nagar, Andheri (East), Mumbai-400 059.
>

>REG;- ICICI BANK CREDIT CARD NO. [protected]
>>SUB:- YOUR INTERVENTION in THE MATTER
>>
>>I HAVE OPTED FOR SETTLEMENT OF ABOVESAID CARD> TO WHICH THEY HAVE OFFERED ME AN ORAL SETTLEMENT AT RS.69000/- Through their representative Mr. Hardeep of thane Branch orally. I had requested the said Sh. Hardeep to settle the said account in Rs.60000/- as i was in poor state of health and my daughter was due for delivery too. The said Sh. Hardeep promised me to revert back soon. But shown his inability to settle the account in less than Rs.69000- I had once again requested him to try again in Rs. Sixty thousand only. To which i did not get any reply.
>>Thereafter all of a sudden I started receiving threatening calls from two nos of TATA who said I need to pay Rs.127000/- plus if I want settlement. They sent two three people at my residence who threatened my pregnant daughter while she was alone at him & frightened her while ignoring her pregnancy & no fault of her in this case if any.
>>Through your good office i beg to reiterate that i am still ready to pay Rs.60000/- as per my words.
>>I have already paid extremely higher of interest @3.25% PM.
>>FURTHER I BEG TO QUOTE THE FOLLOWING WHILE SEEKING YOUR INTERVENTIONS IN THE MATTER as i am ready to Pay Rs.60000/- as of now by Demand Draft
>>
>>in old times when zamindari system was prevalent the poor Indian Public was in their clutches. Once loan is taken the interest used to be charged so harshly that principal+ interest used to carry forward for next two three generations. Even people used to be threatened their property being looted,and they were beaten to death. Now with the inception of foreign and private banks the same system has been reincarnated with with the same modus operandii only change which has taken place is just technological changes. The plight of poor Indian Public is not changed at all as the regulatory bodies are just mute spectators due to technological changes and poor public grievances are not being redressed. These bank continue to overcharge and loot public by window dressing the charges. They are still being threatened they are promised on phone but later on betrayed and people with threatening are visiting the houses of such people. Many a cases have come into light when such frightened people have committed suicides. Many a families have lost their bread winner due to this. IS THERE ANYBODY LISTENING? IS THERE ANYBODY TO ACT ON THE PLIGHT OF SUCH PUBLIC?
>>COPY TO RBI & CIBIL FOR intervention please
>>Kindly save me from becoming poorer to poorest as I have already become poorer from poor by opting ICICI CREDIT CARDS PLEASE HELP ME URGENTLY
>>KANWAR BHARDWAJ
>>06.12.09
>>[protected]
>>[protected]
REG;- ICICI BANK CREDIT CARD NO. [protected]
SUB:- YOUR INTERVENTION in THE MATTER

I HAVE OPTED FOR SETTLEMENT OF ABOVESAID CARD> TO WHICH THEY HAVE OFFERED ME AN ORAL SETTLEMENT AT RS.69000/- Through their representative Mr. Hardeep of thane Branch orally. I had requested the said Sh. Hardeep to settle the said account in Rs.60000/- as i was in poor state of health and my daughter was due for delivery too. The said Sh. Hardeep promised me to revert back soon. But shown his inability to settle the account in less than Rs.69000- I had once again requested him to try again in Rs. Sixty thousand only. To which i did not get any reply.
Thereafter all of a sudden I started receiving threatening calls from two nos of TATA who said I need to pay Rs.127000/- plus if I want settlement. They sent two three people at my residence who threatened my pregnant daughter while she was alone at him & frightened her while ignoring her pregnancy & no fault of her in this case if any.
Through your good office i beg to reiterate that i am still ready to pay Rs.60000/- as per my words.
I have already paid extremely higher of interest @3.25% PM.
FURTHER I BEG TO QUOTE THE FOLLOWING WHILE SEEKING YOUR INTERVENTIONS IN THE MATTER as i am ready to Pay Rs.60000/- as of now by Demand Draft

in old times when zamindari system was prevalent the poor Indian Public was in their clutches. Once loan is taken the interest used to be charged so harshly that principal+ interest used to carry forward for next two three generations. Even people used to be threatened their property being looted,and they were beaten to death. Now with the inception of foreign and private banks the same system has been reincarnated with with the same modus operandii only change which has taken place is just technological changes. The plight of poor Indian Public is not changed at all as the regulatory bodies are just mute spectators due to technological changes and poor public grievances are not being redressed. These bank continue to overcharge and loot public by window dressing the charges. They are still being threatened they are promised on phone but later on betrayed and people with threatening are visiting the houses of such people. Many a cases have come into light when such frightened people have committed suicides. Many a families have lost their bread winner due to this. IS THERE ANYBODY LISTENING? IS THERE ANYBODY TO ACT ON THE PLIGHT OF SUCH PUBLIC?
COPY TO RBI & CIBIL FOR intervention please
Kindly save me from becoming poorer to poorest as i have alraedy become poorer from poor by opting ICICI CREDIT CARDS PLEASE HELP ME URGENTLY
KANWAR BHARDWAJ
06.12.09
[protected]
[protected]