ICICI Bank Complaints & Reviews

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

Hi,

I have taken a loan from ICICI and since i lost my job im unable to pay the loan on time and sue to which there is a default of 6 months. But im paying one EMI from the month of Nov 09 and wanted more time to catch up with the loan and repay the full, therefore the collection agency Achievers from Shivajinagar collection agency, Khan and Ramesh (Mobile # [protected] and [protected]) started abusing me and my family members at home and also at my neighbours. I have informed them that i will keep making one payment a month and will catch up. But they are only using abusive language and also tried to manhandle at my house. I would like to register a complain on this. When i told that i will take it to the court they told its no point and we have political contacts. What do i do. This is making me tensed and also affecting my health. Please help.

Dear sir,
I Sh Gangadhar Dandia S/o Satrughna Dandia, presently residing at HIG26,Dharamvihar,Khandagiri,Bhubaneswar.
I have a saving account with ICICI bank bearing A/C no[protected].While checking my bank statement online,I found that three transactions has been made through net banking from my savings bank account on 5th sept-09 without my knoledge.Following fraud transaction made and withdrawan Rs101000.00 from my account.

Tran ID Value Date Txn Date Cheque No. Description Cr/Dr Amount

SB[protected]/09/2009 05/09/2009 BIL/[protected]/mohd/NSP Dr 50,000.00
SB[protected]/09/2009 05/09/2009 BIL/[protected]/abdul/NSP Dr 26,000.00
SB[protected]/09/2009 05/09/2009 BIL/[protected]/abdul/NSP Dr 25,000.00


I have made complaint to ICICI customer care vide complaint no[protected] and also given information to cyber crime branch,Cuttack and police diary in local thana dated 11/12th Sept 09.
Al information and police complaint sent in attachment to ICICI Customer care and [protected]@icicibank.com ([protected]@icicibank.com)
After frequent follow up customer care replied that thing is under process and after one months you will get reselt.But now this became 3months and now customer care saying that they are not geting support from police, and ICICI is not responsible for this online fraud.My money taken out by some body by system fault as because ICICI was allowing changing Mobile no online to receive payee confirmation till 7th Sept09.From sept 09 they have cchecked the system to not to change Contact no thru online.My case happened on 5th Sept.
Requested to help me.
Thanks
Gangadhar Dandia
Bhubaneswar

Dear Sir,

Pls. Prosess My Provident Fund Withdrawn, I Worked in Team4u in ICICI BANK LTD.( RMAG) FE Tractor Sales. My Joining In Jun 2005. And I Resign at Jan 2008.so Pls.Process Provident Fund And Forwerd My Mail Id PF.Withdrawn Form.
My Details.
NAME:-VINODBHAI MAGANBHAI PARMAR.
ADD:- NEAR SALEMPURA GATE, SHANTINAGAR, PALANPUR, TA-PALANPUR, DIST-BANASKANTHA.GUJARAT-385001
MOBILE NO-[protected]
MY EMPLOYED CODE:-21236
JOINING DATE:-05/06/2005
RESIGNING DATE;-31/01/2008.

Thanks&Regards

Vinod Parmar.

hello,
my self deepa jha having a saving account no[protected] in icici bank patel nagar branch .i diposite105000 INR in this account some time i need money i go to atm booth but this atm show ur account is block plz contact ur branch i contact branch and costomer care he tel me ur account is devid freez i requared letter why my account is freez but bank not give me and he not want to talking with me i give aplication for account close but he not close my account whT I DOPLZ tell me .

Hello,

I opened a Savings Account in ICICI Bank BTM branch with account number
[protected] on November 3 2009.But till date(06/12/2009) my account is not activate.I met the branch operational manager for the same on 27/12/2009.She told that due to failure in verification call the account has been not activated.But i didnt get any call for verification.If any thing failure in verification why cant they inform me through mail.Even on 27/12/2009 during my visit to bank i given a closure form with my details.Till date they didnt close the account or atleast activate the account.I called so many times to customer care regarding this issue,they told that my issue is resolved in branch only but in branch they are not helping me at all.Could any of you suggest me how to procceed in this situation..

Dear sir,
I am tushar nalgundwar.i am using your icici atm card.i lost my atm cum debit card 2 months before then after i issued duplicate atm card,but it does not activated till now,when i went for transaction it was displaying that your card has been blocked.
so please register my complaint and tell me that how can my atm card be activated.

Regards,
Tushar Nalgundwar
[protected]

DEAR SIR
MY KNOWN PERSON OPENED AN ACCOUNNT IN NEWLY OPENED ICICI BRANCH AT MILAP NAGAR UTTAMNAGAR NEW DELHI-110059 , HE TRANSFERRED HIS ACCOUNT FROM ICICI VIKAS PURI BRANCH NEW DELHI BECAUSE MILAPNAGAR WAS MUCH NEARER /CLOSER TO HIS HOUSE MANY UTTAMNAGAR PEOPLE OPENED ACCOUNTS IN UTTAM NAGAR BRANCH AND THERE WAS QUITE A RUSH MOST OF TIMES
SUDDENLY ONE DAY ICICI BRANCH MILAP NAGAR SHUT DOWN AND VANISHED ICICI OFFICIALS MAY HAVE PASTED A SMALL PAMPLET ON WALL AND ON ITS NOTICE BOARD WHICH MOST OF PEOPLE DID NOT SEE ANDHAD GONE UNOTICED ,AFTER LOTS OF EFFORTS AND HARD LABOUR IT WAS KNOWN THAT THE BANK HAS JUMPED A VERY LONG DISTANCE IN NAME OF SHIFTING OR RELOCATION TO VISHAL ENCLAVE NEW DELHI THE BANK OVER JUMPED NUMEROUS BANKS /BRANCHES INCLUDING ITS OWN NUMEROUS ICICI BRANCHES. THIS ABSOLUTELY IS SHOCKING AND SOUNDS ILLOGICAL AS THE BANK WAS DOING BRISK BUISNESS AND HAD NUMEROUS ACCOUNTS , BANKS SHIFT BUT ONLY IN ITS OWN VISCINITY, BANKS JUMPING 15 KMS IS TOTALLY UNHEARD AND UNJUSTIFIED . IS THERE ANY RBI /OR BANKING RULE VIDE WHICH BANK CAN SHUT DOWN IN TWO YEARS THREE YEARS PEOPLE OPEN ACCOUNT FOR THEIR OWN CONVENIENCE AT THE NEAREST PLACE. PEOPLE DO NOT GO OFF FAR OFF PLACES TO OPEN ACCOUNT. HERE THE BANK OPENED NUMEROUS ACCOUNTS OF ALMOST ALL PEOPLE O[censored]TTAM NAGAR AREA AND NOT OF VISHAL ENCLAVE AREA AND THAN JUMPED OFF WITH A NUMBER OF ACCOUNTS AND THERE MONEY, THEY DID NOT GIVE OPPORTUNITY TO PEOPLE TO CLOSE THERE ACCOUNTS ,ADDING TO THERE MISERIES THEY STARTED DEDUCTING MONEY/CHARGES FOR ACCOUNTS WHICH BECAME NON OPERATIVE DUE TO SHIFTING OF BANK ,PEOPLE COULD NOT OPERATE ACCOUNT AS EVERY THING CHANGED PASS BOOKS /CHEQUE BOOKS ETC ETC.PEOPLE WHO CAME TO BANK AFTER LONG LABOUR SPENDING HUNDREDS OF RUPEES SPENT ON TRANSPORT AND LOSS OF EARNINGS DUE TO LOSS OF BUISNESS AND NOT GOING TO OFFICE AND WASTING TIME MONEY AND ENERGY WERE SIMPLY DIRECTED TO COMPLETE CODAL FORMALITIES ` OF BANK AGAIN .TO DO TRANSACTIONS. AS BANK ADRESS WAS CHANGED MONEY WAS DEDUCTED IN NAME OF DORMANT CHARGES REQESTS AND PROTESTS WERE NOT HEARD.
LOTS OF PEOPLE LOST MONEY TO ICICI BANK., IS THIS NOT HARRASSMENT BY BANK. .WHY DID THE BANK OPEN ITS BRANCH IN MILAPNAGAR UTTAM NAGAR NEW DELHI 110059 WHY DID IT OPEN NUMEROUS ACCOUNTS BY EMPLOYING EXECUTIVES AND LURING PUBLIC ETC WHY DID IT SHUT DOWN ALL OF A SUDDEN. WHY DID IT NOT REOPEN OR SHIFT IN VISCINITY i,e UTTAM NAGAR VIKAS PURI JANAKPURI TILAKNAGAR ETC INSTEAD IT OPTED TO JUMP OFF OR REOPEN AT A VERY LONG DISTANCE KILOMETERS AWAY FROM ITS OWN ORIGINAL PLACE AT UTTAM NAGAR TO VISHAL ENCLAVE RAJOURI GARDEN NEW DELHI FOR REASONS BEST KNOWN TO ICICI OFFICIALS
PEOPLE MOST OF TIME DID NOT GET STATEMENTS SENT BY ICICI BANK ,YOU MAY YOURSELF VERIFY FROM PEOPLE OF AREA .PHONES AT ATMS OF ICICI BANK ARE MOSTLY OUT OF ORDER, PEOPLE HAVE TO PAY FOR CALLING CUSTOMER CARE AT ICICI BANK .WHICH TAKES EXTREMELY LONG TIME TO RESPOND TO TELEPHONIC CALLS WASTING LOTS OF POCKET MONEY OF PEOPLE
IN SUCH CONDITIONS / CIRCUMSTANCES WAS IT JUSTIFIED TO DEDUCT MONEY IN NAME OF DORMANT CHARGES.FROM PEOPLES ACCOUNT PEOPLE WERE NOT GIVEN OPORTUNITY TO REQEST OR PROTEST ICICI BANK OFFICIALS TOLD PUBLIC THAT IT IS RULE OF BANK OR COMPUTOR DOES IT AUTOMATICALLY, PEOPLES MONEY WAS IN CUSTODY OF ICICI BANKS EMPLOYEES /OFFICIALS PEOPLE COULD NOT SNATCH IT FROM THEM BUT ONLY PROTEST OR REQUEST THE BANK OFFICIALLS NEITHER HEARD PROTEST NOR REQUEST OF PEOPLE AS USUAL. MONEY WAS IN ICICI BANK OFFICIALS HANDS AND HENCE FORCIBLY DEDUCTED FROM THERE ACCOUNTS .CUSTOMER HAD TO GO BACK RED FACED /HUMILATED DISGUSTED/ FRUSTATED. LOTS OF PEOPLE LOST LOTS OF HARD MONEY/ EARNINGS TO ICICI BANK
IT IS REQUESTED ICICI BANK MUST REFUND MONEY ALONG ITH INTEREST TRANSPORTATION CHARGES. AND HARRASSMENT CHARGES TO ALL ITS CUSTOMERS WHO HAVE LOST MONEY AT ICICI BANK MILAP NAGAR DUE SHIFTING OF BANK AND HENCE NON OPERATION OF ACCOUNT
REQUESTLY FOR REPLY FROM ICICI BANK
REQUESTING EARLY ACTION PLEASE
THANKS AND REGARDS

ARUNA

Hi,
I have a ICICI credit card for the past 6 years and recently ICICI transferred the reward points to a unknown company called Imint without any notice.I redeemed all the points and the company has not delivered any thing promised till date.Repeated calls go unanswered.The call center no. is always on pre recorded mode and no one responds.The company looks like a modern day fraud and people should be wary of dealing with such companies.ICICI bank conveniently washes off their hand saying Imint has all reward program details.

Regards,


Subir Das

Hello,

I am an NRI and I took an ICICI home loan for Rs 18 Lakh back in 2004 at 8% Fixed Interest Rate for 10 years period (Loan A/c No. LBDEL[protected]). That meant I had to pay Total Interest of Rs 820676 over & above the Principal amount of Rs 18 Lakh.

I was interseted in Pre-closing the loan and therefore I recently contacted ICICI's NRI services number ([protected]) for clarity on my Outstanding Principal (On which Pre-Closure Penalty of 2.21% would be applied by ICICI Bank).

To my utmost shock, I was informed that my Outstanding Principal Amount (in case of Pre-closure) after having paid 55 out of 120 Instalments (i.e., 46% of EMI's) was still going to be Rs 11,48,849 (i.e., 64%). That meant that despite paying 46% of EMI's my Principal Payment is considered as Only 36%. Rest is adjusted towards Interest.

In other words, clearly they WILL NOT RE-CALCULATE OUTSTANDING PRINCIPAL in case of a Pre-closure of the Loan. i.e., They will charge me MUCH MORE IN INTEREST THAN IS LEGAL BASED ON THE REVISED TIME PERIOD OF LOAN due to Pre-closure.

I would request you to kindly help take this matter up with ICICI Bank or let me know the Consumer Forum where my representative can physically take this up through the right process.

Regards,
Vijay Kumar Watwani

This is with regards to my Car Loan which I had borrowed from ICICI Bank. I have not repayed my Car Loan for 5 months and hence the Car was been ercovered by ICICI Bank. Following the above I have received a letter from ICICI Bank on 29th September 2009 that my car is been abondened by ICICI Bank in Nasik and the full final Settlement of the same has to be done with in 7 working days which amounted to Rs. 82,935/- (Rupees Eighty Two Thousand Nine Hundred and Thirty Five Only) otherwise they will sell the car in auction.

When contacted ICICI Bank Official at JB Nagar Branch in Andheri East (The Loan Recovery Department) on 20th November 2009 I found out that my car is been Sold on 19th November 2009 ie. one day prior to my contacting the Bank. I wished to repay the whole Loan and take my car back at this point of time.

Mr. Prahlad Manjrekar and Mr. Ganesh Bhagat from ICICI Loan Recovery Department who sit at JB Nagar Branch in Andheri East are the people involved in this as how can the Bank sell my car without my interaction or NOC to another person. When I checked with my Local RTO the Registration of my Car still appears to be in my name. I have all the records which say that I have received only one letter from Bank till now regarding the Car Repayment.

Please I need some help with my car pocession as I have repayed the Loan on time for last 4 years. My Loan was getting over in 2010.

Both the officials do not even listen to your request. When asked why is it so they donot have any reply. I fail to get a proper response for my Car till now from Both the above Officials. At one point of time they say they will issue me a letter which will state that they will Sell my Car, how can they sell my Car if they have sold it once. Once they even offered me some other car in return saying that We Can Help You to Get Some Other Car in the same Budget you have. If they can offer me another Car they can offer the same to any other person as well.

Dear Sir,

My a/c no. is[protected] with ICICI Bank Gorakhpur (Main Branch) and currently I am at Ahmedabad (Gujarat) since 6 month.

There has been 2 cheques send by EPF office Mumbai to ICICI Bank Gorakhpur for deposition in my a/c.

The detail of these cheques are as follows:

1) Cheque No: [protected]Amt: Rs.32346/---dated: 29/10/2009
2) Cheque No: [protected]Amt: Rs. 16554/----dated: 29/10/2009

Both the cheques are drawn on SBI, Mumbai, and send by EPF, Bandra (Mumbai) on[protected], against P.F. A/c No. MH/42726/2760.

It is still not reflecting in my A/c. I am trying to query about the same since 15 days but no one is able to tell me whether ICICI bank Gorakhpur have received theses cheques or not.

I am very upset that the phone no. of ICICI bank Gorakhpur, which has been provided by customer care i.e.[protected]/61/64 is idle and no one is picking the same. Please let me know how can I communicate to the bank regarding this query.

Kindly help me know, whether the said cheques has been received by the bank or not.

Thanks & Regards,
Pramod Paswan

sir,


I came to know that i have some credit card dues with icici credit card.But please note that i have no card & no dues .

please look into the matter and obliged me.

Thanks with love, joy & happiness
H.P.MALKAN

Dear Sirs,

During my visit to Rajkot - Gujarat-India, I wanted to deposit a cheque of Rs.3,500 + in my ICICI Bank's NRI a/c at Nalanda Society Br. Kalawad Road, Rajkot. The officer advised me to have NRO a/c where the cheque can be deposited. I requested to have one in addition to NRI savings account using the details per NRI Savings account. The officer took the cheque in a months time I got confirmation from bank.

I was never informed that there will be charges on this Savings Account. Further to my surprise this new account is opened with different branch of ICICI Bank at Rajkot with differnt ID. Upon quering I was told to keep balance above INR 15,000.00 which I maintained. However the bank has levied charges in Nov.09.

Please advise me.

Babulal Shah

On 18th of June, 2009 I bought fuel of Rs 1000 from ANAND FILLING STATION, New Delhi using my ICICI credit card. But my credit card bill showed an amount of 1000 and another amount of 520 from the same petrol pump on the same day.

It seems that the petrol pump staff swiped my card twice, once for the right amount (Rs 1000) and other for a wrong amount (Rs. 520). I have signed the slip of Rs. 1000 and never signed for Rs 520. ICICI bank has sent me the slip of Rs 520, which shows my credit card details but the signatures are not mine.

Though the amount in not a big one but I am reluctant to pay the amount for which I have never been given the fuel.

I have launched a complaint for the same with the ICICI bank but all in vain. As per ICICI normal process they cancelled my credit card and reissued a new credit card to me. But today they have sent me an email showing their inability and asking me to pay this amount (Rs 520).

I had a credit card ( [protected]) which I stopped using 4-5 months back. No reasons. We have shifted from our address which was initially registered with you. I haD personally dropped 2 Letters at the ICICI Bank Sahibabad Branch, Kaushambhi, mentioning our New Mailing Address. I have left my job also. The statement used to be mailed to me at my official mailing address. This was also communicated in the letter that I left at the branch. Despite of all these measures......I NEVER EVER recieved a call from the customer service to pay my balance.

Please also be informed that during all these I NEVER changed my LandLine number which was very well registered with you. Customer service could have called me easily.

1. However, I recieved a call from a collection agency on 12th October 2009 to pay my outstandings. They came to collect my payment on 26th October 2009 and I made a payment of Rs 4719/- IN CASH to the agent named GOVIND who had come from a collection agency named ELEXATE MARKETING PRIVATE LTD OR ELEVATE MARKETING PRIVATE LTD. Below are the details:

RECEIPT NUMBER - C[protected]
DATED - 26/10/09
AMOUNT - 4719/-

2. I again start recieving calls from the customer service asking me to pay the outstandings.........
3. I give them the details and tell them to cancell the card.
4. They tell me that unless they recieve the payment they can not process the cancellation.........7 days after that THEY STILL DO NOT RECIEVE THE PAYMENT.
5. I get a call from the collection agency on 10th NOV asking me to confirm the credit card number as THEY HAD NOTED A WRONG NUMBER...!!!!
6. 10 DAYS AFTER THAT CUSTOMER SERVICE STILL DOES NOT GET THE PAYMENT.
7. On 20th Nov 2009 I had a word with Sujata at Customer Service[protected] and she registered the complete thing and generaterd an SR[protected]
8. She also mentioned that I will recieve a call within 6 days and will have my issue resolved.

9. I definitely recieved a call after 5 days....but FOR MAKING A PAYMENT ....NOW OF 4981/-...!!!!!!!!!!
10. I again repeated my history to some Mr. Neeraj and he very politely updated the SR ( at least that's what he said to me on phone )
11. Today, 3rd December 2009 I AGAIN recieved a call .....AGAIN asking me to make a payment of 4981/- by some Mr. Sunil. On my insistence he gives me a fax number to have the Receipt faxed to him ........ at[protected]....

PLEASE TELL ME WHAT IS THIS SUPPOSE TO MEAN?????????
IS IT THE CUSTOMER WHO'S SUPPOSE TO FOLLOW UP?????? WHERE IS MY MONEY.....????? WHERE IS THE HARD CASH THAT I PAID TO THE FRAUD NAMED GOVIND???????

ON 26/10/09 I MADE A PAYMENT AND TILL 03/12/09 CUSTOMER SERVICE DOES NOT RECIEVE IT....?????????????

I WANT THIS TO BE LOOKED INTO IMMIDIATELY AS YOU MAY SEE THAT A CC IS MARKED TO RBI OMBUDSMAN TOO.

Tuhina Rathi
[protected]

I used my SBI atm 622XXXXXXXXXX454(AC.No [protected]) card to withdraw Rs1000/- from ICICI ATM at Bowenpally, Hyderabad ATM ID S1AN0854 on 30/11/2009 but the cash was not delivered because of link failure also printed slip was not recieved. A hand written note was pasted stating "transaction slip not available" on the ATM machine.

Later on from my SBI ATM mini statement i came to know that Rs 1000/- was debited. I called ICICI/SBI customer care and they assured that the money will be reverted back to SBI account. But till date money is not recieved back.

Kindly help.

SANDEEP KUMAR CHAURASIA
[protected]