ICICI Bank Complaints & Reviews

Hi,

This is regarding ICICI bank branch located in Ramavilas Road Mysore, inspite of submitting Form 60 and nomination list twice within financial year they have lost the documents and have deducted TDS. The Branch Manger too is useless inspite of reqeusting so many times he turns a deaf hear towards this.

I am Kasavajjhala Sriram, I lost the ICICI Credit Card in 2006, After that ICICI people collect the payaments part by part for settlements, but they are not given. finally in 2009 June ICICI is given the settlement offer for 55,000/-, so i cleared the amount (27,500by cash on 2-june-2009; 27,500 Cheque on 2-July,2009), amount was cleared as per dates.
ICICI is given the settlement letter with Ref No.: ICSO1HYD/052009/REC, Date:29/05/2009, my Credit Card Account: #[protected]
but still i am getting the bills, If i call to Call center they are not get any information like my payament is settled, and they suggested i have to contact to Branch; then i went to Hyderabad Branch (ICICI Bank Ltd., 5-9-2, JVL Towers, Opp. Assembly Saifabad, Hyderabad-500004, Andhra Pradesh, India), in the bank they told we have to contact in call center;

Please try to clear the database in ICICI Records as well as CIBL,

Thanks with Best Regards
K.Sriram
Plot No.39, Road No.5,
Chandrapuri Colony, L.B.Nagar,
Hyderabad-500074
Andhra Pradesh, INDIA
Cell: +91-[protected]
E-mail: [protected]@yahoo.com

I hold a savings with ICICI Bank Nariman Point Branch for the past 10 years.I hold a normal savings account,but on 27/10/2009 my account has be Debited with Rs 552 as non maintainence of minium balance for a previlage account.I have also been charged Rs 109 on 21/08/2009 for a Debit card which I dont hold.I have given a complaint on 26/11/2009 informing to the phone banking staff but have not received any response.I dont understand as how my account has been converted to a previlage account without my consent of any intimitation.
I wonder how many more such accounts have been wrongly Debited and how many of their customers know about this,India been a country with 61% literacy and only 5% check their accounts on a regular basis.
Kindly take my case as a case of cheating the Indian democracy and its people.We put our trust in these banks & MNCs but are often cheated without our knowledge.
Thanking You
Shahab Shaikh

My ICICI credit card No. is [protected], I was using this card from 2006. My total outstanding was debited from my icicibank account no[protected] in Nov 2007. as the amount of Rs.8000.00 is showing as a lein amount. I have visited Credit card branch at civil lines branch, Nagpur, to remove that lein amount and do the Final settlement of that credit card. I have also contacted Customer care of ICICI Credit cards so many times for this reason, but no action was taken over that. and till now i am getting there estatements of outstanding amount Rs.15000.00.
As the amount is increasing day by day, I will not able to do even the settlement. Please help and suggest.

Also I am not able to get loan from any bank as they had blacklisted me in CIBIL. Also suggest me how to remove name from CIBIl as a defaulter. Please take necessry action & do the needfull in my favour. Please reply.

Thanking You
Kishor Ramchand Jotwani.

This is by far the worst banking experience with a so called "renowned bank" as ICICI.
ICICI Bank has stopped responding to my mails even after three follow ups.

On end of August, 2009, there was a fraud on my online ICICI bank salary account and my account was locked.
I requested for new password from ICICI and got the passwords by first week of October.
On verifying my accounts, I discovered that RS 1,96,000.00 was transferred out of my account.

I raised a compliant at ICICI bank providing them with the details of the fraud.
I provided the payee names, the other ICICI accounts to which amount was transferred, cell phone number to which my mobile alerts were routed.
They asked me to report the issue with Cyber crime cell.
After raising the complaint with cyber crime cell, I provided ICICI bank with the complaint number.

ICICI notified me that verification is in progress and they would be providing the update by 16th Nov 2009.
Until Nov 16, ICICI bank was responding back with a standard template response. You can see all these in the below mail chain.
On 16th Nov, I followed up again to find out that verification is still under progress.
I requested for an ETA and if anything would be needed from my end.(details in the mail trail)

Two months have passed since I notified the issue to ICICI bank. However, I am not clear what has been done and what is going to happen.

I am not sure what verification process is going on and how long will it take to complete?
Is there anything they require from my end? Would I be able to assist them in any way?
Is there any way to expedite the process?
Are they going to credit back the lost amount or at least do something about it.

There are even more questions in my list…but do i've an answer??? I've not got one responsible reply from them yet.

This money is hard earned from the work we do. And to loose this is very tough for me to realize. and on top of that - i see such an irresponsible act from my banker not responding and not keeping me updated about the proceedings of their so-called verification team in this issue.

Years of savings goes away just like that and we do not know if anything can be done about it.
Are the bank authorities so busy that they do not have time to look into this issue?

Till this point - its only one ended communication happening with ICICI bank. I don't know what is the next course of action from my end. Not hoping this to happen for anyone else…but I'm sure there is at least a small group of people who got affected in a similar fashion who can guide me making the next move…please advice.

I request each one of you who ever reads this blog to do me a simple and a very small favor. Can you publish this issue in all communication medium you can - may it be blogs / may it be a simple chat or mail with your kith and kins…i just wanted to keep reaching out to the whole world until i'm heard and given justice.

And I will pray to God not to give this kind of a pain to anyone else.


Thanks,
Malay

From: Malaymarut_Das
Sent: Wednesday, December 09, 2009 11:21 AM
To: Head Service Quality
Subject: RE: RE:'ICICICARE=[protected]' SR[protected] :: possible fraud mails
Hi,

I have not received any response from you for my last two mails.

Please let me know if anything is pending from my end.
Is there anything that I could do to expedite the resolution of the issue.

Thanks,
Malay
________________________________________
From: Malaymarut_Das
Sent: Wednesday, December 02, 2009 3:18 AM
To: Head Service Quality
Subject: RE: RE:'ICICICARE=[protected]' SR[protected] :: possible fraud mails

Hi,

Please suggest the ETA for completion of verification.
Let me know if anything is pending from my end.

Thanks,
Malay

________________________________
From: Malaymarut_Das
Sent: Wednesday, November 25, 2009 2:10 AM
To: Head Service Quality
Subject: RE: RE:'ICICICARE=[protected]' SR[protected] :: possible fraud mails

Hi,

Thanks for looking into the issue and for your response updating me of the progress.
A complian is already lodged with Cyber Crime Cell.

Please let me know what is the ETA for the verification to be completed.

Is there something pending from my end?

Thanks,
Malay


________________________________
From: Head Service Quality [[protected]@icicibank.com]
Sent: Monday, November 16, 2009 8:19 PM
To: Malaymarut_Das
Subject: RE:'ICICICARE=[protected]' SR[protected] :: possible fraud mails

Dear Customer,

We are writing to confirm the receipt of your mail and to assure you that we have taken note of the issue and the matter is being attended to.

The verification is under process. We request you to cooperate with us.

However, we request you to seek assistance from Cyber Crime cell or local police, giving them the complete details of the case and ICICI Bank extends its co-operation and assistance to the cyber-crime cell to aid in their investigations.

Thank you,

Sincerely,

B. Vijay Rose
Office of Head Service Quality

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: Malaymarut_Das
Date: Monday, November 16, 2009 09:09 AM
To: Head Service Quality ([protected]@icicibank.com<mailto:[protected]@icicibank.com>)
Subject: RE: RE: SR[protected] :: possible fraud mails

Hi,

Please let me know if there are any updates on the issue.
Let me know if anything would be required from my end.

Thanks,
Malay

________________________________
From: Head Service Quality [[protected]@icicibank.com]<mailto:[[protected]@icicibank.com]>
Sent: Monday, November 02, 2009 4:16 PM
To: Malaymarut_Das
Subject: RE:'ICICICARE=[protected]' SR[protected] :: possible fraud mails

Dear Customer,

We are writing to confirm the receipt of your mail and to assure you that we have taken note of the issue and the matter is being attended to.

The verification is under process.

We request you to cooperate with us.

Thank you,

Sincerely,

B. Vijay Rose
Office of Head Service Quality

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: Malaymarut_Das
Date: Monday, November 02, 2009 04:26 AM
To: Head Service Quality ([protected]@icicibank.com<mailto:[protected]@icicibank.com>)
Subject: RE: RE: SR[protected] :: possible fraud mails

Hi,

Please let me know if there are any updates on the issue.
Let me know if anything would be needed from my end.

Thanks,
Malay


________________________________
From: Head Service Quality [mailto:[protected]@ICICIBANK.COM]<mailto:[mailto:[protected]@ICICIBANK.COM]&...⇄
Sent: Thursday, October 22, 2009 3:17 AM
To: Malaymarut_Das
Subject: RE:'ICICICARE=[protected]' SR[protected] :: possible fraud mails

Dear Customer,
We regret that we are unable to confirm you the details of our verification team.

However, we have noted your contact details and forwarded to the verification team.

We request you to write us after November16, 2009.

Thank you,

Sincerely,

B. Vijay Rose
Office of Head Service Quality

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: Malaymarut_Das
Date: Thursday, October 22, 2009 07:54 AM
To: Head Service Quality ([protected]@icicibank.com<mailto:[protected]@icicibank.com>)
Subject: RE: RE: SR[protected] :: possible fraud mails

Thanks Vijay for your response.
I appreciate the issue is being attended to.

I would like to know who is the field verification team.
As my account is at Bhubaneswar, is someone at Bhubaneswar looking into the issue?
When they are expected to respond? (I would expect an ETA)

Is there an insurance on my account and what all steps are going to be taken before the amount is credited back.
Please enlighten me on the procedures.

Please call me on my mobile or my family if any futher information would be required from our end.

Thanks,
Malay


________________________________
From: Head Service Quality [[protected]@icicibank.com]<mailto:%[protected]@icicibank.com%5d>
Sent: Wednesday, October 21, 2009 11:35 PM
To: Malaymarut_Das
Subject: RE:'ICICICARE=[protected]' SR[protected] :: possible fraud mails

Dear Customer,

The verification is under process and you will be updated with the status by the field verification team.

We understand that you have lodged an FIR with the Cyber Crime cell, giving them the complete details of the case. ICICI Bank extends its co-operation and assistance to the cyber-crime cell to aid in their investigations.

Thank you,

Sincerely,

B. Vijay Rose
Office of Head Service Quality

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: Malaymarut_Das
Date: Tuesday, October 20, 2009 10:28 PM
To: Head Service Quality ([protected]@icicibank.com<mailto:[protected]@icicibank.com>); [protected]@icicibank.com<mailto:[protected]@icicibank.com> ([protected]@icicibank.com<mailto:[protected]@icicibank.com>)
Cc: [protected]@gmail.com<mailto:[protected]@gmail.com> ([protected]@gmail.com<mailto:[protected]@gmail.com>); manas das ([protected]@yahoo.co.in<mailto:[protected]@yahoo.co.in>)
Subject: RE: RE: SR[protected] :: possible fraud mails

Hi,
Thanks for the response.
We have lodged a complaint with Cyber Crime Branch, Cuttack.

As per crime branch authorities, cuttack ,orissa, primilinary enquiry is required to establish the case.
However, they have recieved the complaint and allotted complaint number 63.

One xerox copy of the complaint is submitted to ICICI bank main branch head,BBSR.
The scanned copy of the letter is attached with this mail.

Please keep me posted on the actions taken at your end.
Let me know if anything would be required from my end.



Thanks,

Malay

Sir,

This is to bring in your kind notice that I have a Saving Bank account no.[protected] in ICICI Bank, Branch Shopprix Mall, Sector-61, Noida (UP).

Some one has withdrawn Rs. 2,15,000.00 (Two Lac Fifteen Thousand) from my bank account at Saket and Nehru Place Branch one of Rs. 1,60,000.00 vide cheque no. 181331 and Rs. 55,000.00 vide cheque no. 181333.
The aforesaid cheque serial nos. does not match with my existing cheque book's serial nos. which I have already with me.
Serial No. of my cheque book is: 729588.

This large amount has been withdrawn by some one but, bank did not inform me even a single time on such large amount's transactions. therefore the role of the bank also seems suspicious.
I have also discussed with the Bank's branch management but they are not responding positively and properly.

A complaint has also been lodged in the nearest Police Stations by me but they are also not responding properly. They are not responding as a civilian expects from the local administration of the country. They have only acknowledged the complaint application and returned it to me but not registered FIR.


I hope that it will be considered by you because I listens in my daily life about your achievements and the reforms made by you in the present society of our country.

Now I am looking only upto you, So please help me out and intervene into the matter at the earliest.

I seek your help, So please help me out and prove once again I request you to please look into the matter at the earliest, To avoid the same how I am victimized and which has took place with me. So your role becomes necessary in this case.

So, this is once again requested pls. help me as soon as possible and do accordingly,

waiting for your favorable response


Thanks and regards,

Sandeep Singh Negi,
B-2/317, New Kondli,
Delhi-96

[protected] / [protected]

Home Loan A/C No.LBCHE [protected].I have remitted RS.20000/- as partpayment towards home loan on 26/11/2009 in ICICI Bank -Pudhucherry Branch..The amt was remitted to be adjusted towrds principle.I came to know that the amt.remitted by me is not accounted so far.I have written a letter to ICICI Bank- Ambattur Industrial Estate Branch @ aiso sent them email but in vain

this is to lodge a complaint against icici bank dwarka sec-7 branch......
being a local to this area , at some emergency times i hve always found that 95% the atm machines are not wrking or out of order.....
i hve tried to acknowledge the same to bank official's b4 ....but there s no response
they always come up with some excuses or other....its been almost a year people around this area r facing this problem .....a tech problem can occur at times ...but difficult to understand how can it be for every 9 out of 10 times and that also going on fr a year.....
bank officials (dwarka sec-7 branch ) are not serious about this ...and t can b judge even by their gestures

Sub: Non payment of ICICI Tax Saving Bond-022000-TSB- Two
Sir,
With due regards it is submitted that I have purchased ICICI Tax Saving Bonds having following particulars:

Name of Bond Holder : Sree Kisan Verma
The other details of the bonds are:
Option II
Face Value/Bond Rs 7025
Issue Price/Bond Rs 5000
Deemed date of allotment 24.3.2000
Redemption Date 24.6.03
Interest...

Repected Sir, i am working the icici bank (Wings Card Division) chennai Branch.2006 to 2008 past 2 years.office is closed so i am living the office i applied the epf. two times but no responsiblity office side.
This office main branch Bangalore. i am file the complient same the this website address last twenty days back but no reply. please reply me what is the my pf amount balance then what the appling formalities.
Please notes: NOT RESPONSIBLITY OFFICE SIDE( Icici bank wings card division)
My Pf No:KN/35019/9082

Dear Sir/ Madam

I had acknowldegment of ECS document from ICICI Bank malwaparisar, Indore. But on very last day bank members call me and said they don't have ECS verification copy so they will stop my payment. I have enough balance for ECS payment. If I face any penalty from my finance company they I will file suit against your bank. No cooperation , no proper response I received.

Please do the needful asap

Thank you
Gaurav Jain
[protected]
Indore

I keep getting back to login page or some times it let me login but after some time I get an error saying "Invalid user". This is becoming worst and worst I have not traded correctly for 2 week, I am planning to close this account if they dont respond to at least one of my five request.


they keep telling clear you history and cache of browser and dont look for the roocause of issue.

beware of this you get under huge loss if you cant trade so better get others demat server rather than ICICI.

I have applied for Personal Loan & same was Credited to my account#LPHYD[protected] on 05/12/2007 for 480000/- but they say that 20000 is for processing fee. No one from ICICI nor representative updated/informed that this will be deducted initially.
Now, I got a reply from ICICI stating that it is for processing fee as per agreement. This is pathetic & kind of Cheating from this bank. This is a serious concern & illegal as they can't charge me this much of amount as they do it for Home Loan.

They tortured me with this irresponsible behavior & with Processing Fee & Pre closing charges Bank is earning more than the percentage they claim to process.

Please help me & do not go for ICICI in your lifetime....this is a pathetic illegal Bank in India & RBI puts a blind eye.

Dear Concerned;
At the onset, I would like to take this opportunity to brief you about issues, I have been facing ever since I have availed ICICI "Credit card ".
My card number is [protected], which held a limit of Rs 33000 initially.

I was given the card with false commitments of being a life time free card. I am not very apt with usage of plastic money so I trusted ICICI executive and decided to calculate upon the brand value and give it a shot.
Few months down the lane, I completely stopped getting my statements, and raised the issue several times, but in vain.
However later my card was linked to my ICICI bank account without my knowledge and the same was covered up by saying that it was to facilitate my payment cycles and resolve non receipt of statements.
There was an auto debit facility set up on the same for my “Country club EMI'S" , and yet again, I was not aware of this feature.
I continued to pay my EMI's religiously through cheques, which resulted in bouncing back of the Auto debit in and in turn attract those charges.
Also Service charges, late fees and interest kept accumulating at furious pace.
Althrough I was unaware of the entire process, so I kept paying out my regular EMI’s, incognizant to rest of the charges.
Of late when I identified the issue, it was already blown out of proportion.

Also, when we tried reaching ICICI call center on various occasions, I was profoundly disappointed with the services.
My son" Kamal Navlani" tried speaking to some executive named Neha in Sep , she was far rude to extend any support and said that she was happy that amount was amassing resulting in revenue for the bank, but to my horror ; when my daughter " Harsha Navlani " , called up ICICI support center today and spoke to some guy named "Gulam Kaleen" , who claimed to be some collection manager , he not only out blankly refused to help her but also kept insisting that he will not even hear her out coz she is not the customer and she does not have right to call the call center, and refused to forward her call to any other person.
The conversation heated up to an iota where he said to her that, " Since your father is blady defaulter, you are today waking up from your sleep and trying to reach customer support and making false claims" .Upon being told to watch his language & tone, He further got agitated and refused to extend any support and kept yelling and playing blame games.

On various occasions that we tried to reach out to the customer support center, with intentions of settlements, all we picked up was sheer disappointment.
In the end would like to request CONSUMER FORUM, to kindly look into the matter at the earliest and do the needful.
I hope you would live up to my expectations .Kindly waive of[censored]nwarranted charges and oblige me

Dear Sir,
My Name is Suresh Kumar. Date of Birth is[protected]. I issue Only One ICICI Bank Credit Card No. [protected].
But you would update as "Suresh Kumar Yadav", This is not my name and different date of birth. This is bad information for me and provide me many dificulties. So please check my name and date of birth and credit card.

Suresh Kumar S/o Sh. Joginder Singh
Date of Birth[protected]
Contact No. - [protected]

ICICI bank - Easy credit but tough repayment options

I have taken home loan "LBHYD[protected]" with floating interest rate currently 10.5%

A) why easy credit with low interest rate for new customers.
B) why repayment is made tough for old customers by high interest rates.
C) why the floating interest rate is sensitive upwards and hardly downwards with market fluctuations.
D) Is the only way for old Customers is to tranfer loan to other corporate banks like SBI, Axis.

My application to personal loan has been rejected by Citi Financial as they told I had a Rs.19000/- payment due to credit cards as per CIBIL records and the CRR pointing as 580 due to this.

I had 2 credit cards with ICICI Bank whereby I have setteled and have no issues with that. Also have the copy of the settlement letter and the Zero statement.

Gold Credit Card: 5176 XXXX XXXX 4000 (Settlement 31.03.2008)
Platinum Credit Card: 4629 XXXX XXXX 9002 (Settlement date 14.01.2009)

Also registered the complaint with CIBIL and also met the ICICI Bank managers and they told that bank will take care of everything. Another information they say it will take 90 days to update the CIBIL database and due to this my loan application got rejected and I'm not meeting the eligibility criteria of Citi Financial of getting the CRR points as 750+ they say.

1. This is redicules, why the Bank is not updating the Credit history of the customers as and when to the CIBIL database ?
2. What is the process followed by all the banks including CIBIL administartion and RBI involvement ?
3. Does the customer has to suffer even if he doesn't have any credit issue as mentioned ?
4. Why Can't I sue the bank for this damage done to my credit history and thus by busted my loan plan ?

I'm in terrible situation with need of money and I ended with this sort of issue.

Totally ICICI Bank doesn't care about data or money of the customers, they also don't care about the correctness, but only care about their profitability.

Worst situation I have ever seen. If someone have any information or contacts to overcome this problem, please email me.

ICICI Bank is one of the Greatest Fraud bank in the world.

Thanks.

INFORMATION ON CHEQUE DISHONOUR
I had been running a Auto Loan from ICICI Bank whose loan number is LADEL[protected]. It has been noticed that cheque of EMI of Rs 11654/- has been returned several times by our banker Kotak Mahindra Bank LTD due to " Bank Encoding Diff/ Listing Error " as shown in our bank statement whereas according to ICICI Bank the same has been returned due to "amount/ name differ on ".

The collection agency of ICICI Bank is forcing us again and again to make the payment. The service provider ICICI Bank Ltd is communicating us the wrong infromation whereas it is a techinical fault on their part.

We are harrased every time by ICICI Bank Ltd and we request you to direct ICICI Bank Ltd to rectify the error and reverse all the charges levied on us by them due to return of cheques. They should also directed to take appropriate steps to avoid all this in future

Dear sir,
i have paid the all my dues in our cradit card no [protected] in the name of anita khandelwal in the month of 06 mar 2009 but sir the amount still show in my account i have contacted so many time in ur gwalior branch but no one give me the proper response so i request you pl look in the matter personally and make my dues clear and make my cibil up to date caz i received the mail from cibil they in form me that CIBIL cannot modify any information in the database without the concerned member confirming the same. It is the responsibility of the concerned members to submit correct, updated and accurate credit information to CIBIL.

Sir/Madam,

I have applied for home loan from SBI on 31/10/2009. Recently I visited SBI central Processing center at Bandra Kurla Complex for enquiry about progress of my application, but shocked to know that my CIBIL report shows three outstanding personal loans against my name. Whereas all three personal loans taken from ICICI Bank are paid and completed in time and no dues remain balance after 5th Sept. 2009. The details are as below
Loan Amount Rs. 1,07,000/- Completed on 05.09.2009 (05.10.2006 to 05.09.2009)
Loan amount Rs. 1,10,000/- Completed on 05.07.2009 (05.08.2006 to 05.07.2009)
Loan amount Rs. 2,00,000/- Prepaid on 17.02.2009.

I have all three certificates issued with me regarding no dues against me.
Please look into the matter and correct my record and sent it to SBI Central Loan Processing centre at Bandra Kurla Complex, Mumbai.

My Mobile No.-[protected] email [protected]@rediffmail.com