ICICI Bank Complaints & Reviews

Dear Concern

As my Loan Account number is : LPTNE[protected].
I have paid all my emi's Regularly, and when i request for non due certificate they just go on commiting , but till now , i have not received the NON deu certificate

As i have to submitt as a document for home loan purpose.

Please take this email on priroty basis

Regards,
Deepak Joshi

Wrong policy charges & harrashment from ICICI telecallers & cheating
My ICICI credit card no is: [protected].

I have wrong ICICI LOMBARD policy chareges put on my ICICI credit card.

This issue start on Sep 2008, My husband have recieved call from ICICI Lombard for Mediclame Policy, He have listen compete call but showed no interst in theie policy as He have already had the same policy of diferent company. But after that thay are saying it is whole family policy
But i was shocked to see the insurance policy chares in my mothly statement. regarding this i have called first ICICI custmer care and later ICICI Lombard .
We have not recieved any polocy document from ICICI Lumbard after receiving policy document I shocked to see it was ony singal policy instead of family policy again I have called first ICICI custmer care and later ICICI Lombard .to change my policy but they started taking very roudly & started puting my calles on hold till i cut the call.
I again call ICICI cutomer care but they also not helped to resolved the issue.
Than .After lot of calles with ICICI Lumbard they have cancelled my policy and after three months
In March 2009 i have finally blocke my card to sotp the instalments going every mont o ICICI Lombard, all in when.
In August i have recieved first call from ICICI recovery dept to whome i have told whole issue of my account, but they said they cant help only suggest me to pay the outstanding.
After that in SEPT i have recived same call from ICICI how also not helped me.
from OCT 2009 i have recived hundreds of call from delhi, These peoples were taking very roudly and have no manners of taking. I am fedup of there calles & feel harrashed.
In 2nd April I got mail from ICICI Bank Credit Cards Team. I Reply that mail to rsolve this issue. again I got mail on 6th july 2009 & four mail in Sep 2009 , two mail in October, & 3 mail in Nov I tolk to Ms kalpana , jyoti, luxmi on 17th Nov 2009 Salma in Hyderabad ICICI Bank Credit Cards Team. On 26th nov 2009 talk to Mr. Purn Chander he also denied to help.
After that i have written lot of mails to customer.[protected]@icicibank.com in to resolve the issue but not recieved any help.
In April 2009 i was get cheated by Mr. of ICICI caller who told me that he will settel my account in only the service charges.
maybe clloection agent but now recieved a letter from ICICI Credit Card Line marked my bank A/c [protected] and. Rs.5243.61 line in my bank A/C This is my last request is that is any one avaliable there in ICICI who have the rights to solve this issue.
if not then dont expect any thing from me.

drea sir,
i have paid the full amount of my credit card icici bank no is [protected] in the name of Anita Khandelwal in the month of 5.3.09 , and the it was said from the bank that now no dues is on my side , but sir my name is still on cibil as not payment list ,deatil of my all decument i am sending to you for your kind consideration . document attech for your kind consideration

So please delet the my name from the cibil status

I have requested to re-issue mine Internet Banking Password for ICICI bank atleast 5-6 times, it was never dispatched to my communication address always returned from courier service.
Currently I have place a request to reissue my Cheque Book first time it was returned from Courier services. Then again I place same request in this time I have decided to track it, I have taken mine Docet no and locatl contact numbers.
I am continuousl calling but nobody is picking my call.

Its to track any thing what is dispatched through Express IT courier services.

Hi

I am continoulsy receiving calls from ICICI Home Loan (Recovery Agency). All my current EMI are going on time, two EMI for Mar'08 and Jun'08 are pending as per bank record informed by employee of recovery agency. I have told me to give me some time go enquire the same beacuse of old issue and has come in notice four days back,but they guys are calling continously on my cell and forcing me to deposit the amount without reconciliation. I am asking them to give me details of their recovery agency name and head of customer care or recovery department of ICICI Bank , Jaipur. They are not giving me any detail regaring this. Please assist me to know the particulars to close the issue as soon as possible.

Regards,

Raj Deepak

Dear All,

See the way Aviva and ICICI Bank and playing with the customers money. One sells the policy by mis-informing the customer and other authrise the transaction. Aviva fraudlently despite giving more than a month notice produces the bill to ICICI and they also authrised it even when I told ICICI Bank to not authrising the transaction (twice).
Now they are playing with me by sending me to each other. They both are harrassing me for more than a year.

Pls send me the commnets and mention other such instances where Insurance and Financial institutions are doing such CRIMINAL activites

Thanks


[protected] Forwarded message[protected]
From: ANKUSH BINDRA <[protected]@gmail.com>
Date: Sun, 29 Nov 2009 13:02:23 +0530
Subject: Fwd: 'ICICICARE=[protected]' level1complaint/ Credit Card
To:

Your guys taken the requested documents and then disappear which I
don't expect from you. I gave the supporting documents for Mr. Tarun
Vijayee on 06Oct and he never updated me on the status and now got
transfered to Patna. I gave her all the supporting documents which I
gave earlier also under ref.[protected]. I asked him some questions
which are unanswered, I asked the same questions yesterday to
Sapna(from collection) and she dropped my call. Your guys made around
20 calls on 27 and 28 Nov!!! to me and harrased but when I asked
questions they put down the phone. Very professional bank, non sense.
Pls aswer the following 1 why 2250 authrised when ECS instruction for
25K on 23 Jul07 2 I requested to stop the same twice before Aviva
claimed this amount from you why I was not taken seriously
I gave 1 month prior notice to aviva that I want to cancell this
policy. As per their record dated 17 Apr 2008 17 April 2008 where they
mentioned,
-Customer informed that policy was miss-sold to him by stating he will
not have to pay anything after 3 policy years and policy would
continue. And he wants the FULL Refund after cancellation of the
policy- you want any other proof. They send me letter on investivation
on 17Apr and a send me the reply on 05 Jun 2008 when they got the
money, AUTHRISED FRAUDLENTLY BY THE BANK ON THEIR ECS which they
should not be producing at all. I instructed the bank to make a CHARGE
BACK and you kept me waiting for 1 year. And now your are HARRASSING
ME

[protected] Forwarded message[protected]
From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Date: Sat, 07 Nov 2009 12:11:03 +0530
Subject: RE:'ICICICARE=[protected]' level1complaint/ Credit Card
To: ANKUSH BINDRA <[protected]@gmail.com>

Dear Mr.Bindra,

We inform you that your credit card is permanently deactivated due to
the non receipt of the payment according to the statement.

The total outstanding balance on your credit card is Rs. 41,903.30 as
on November 07,2009.

We would not be able to offer the settlement on the card account.

We request you to make the payment according to the statement to
avoid the further financial charges.

Sincerely,

Ramlal Mithra
Customer Service Officer
ICICI Bank Limited




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

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


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




-----Original Message-----
From: ANKUSH BINDRA ([protected]@gmail.com)
Date: Thursday, November 05, 2009 12:34 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: level1complaint/ Credit Card

What is the status of the other complaint I filed at the same time
regarding my Amex Card No.[protected]?


ICICI AMEX 31 Oct 09:50PM Inbox
ANKUSH BINDRA <[protected]@gmail.com> Sat, Oct 31, 2009 at 9:49 PM
To: ankbindra <[protected]@gmail.com>
Cc: traveljini007 <[protected]@yahoo.com>
Reply | Reply to all | Forward | Print | Delete | Show original
My case of a dispute wherein bank authrised the transaction to the
merchant(Aviva Life Insurance)despite my request to stop the
transaction on 29/30 May 2008. Merchant produced the bill despite my
written request made to them more than a month before the due date.
After waiting for more than a year I stop ur payments and bank has
started freezing my accounts and SNATCHING the money from it.I never
denied to pay the balance payment at any stage till now but I need the
resolution wherein I WAITED FOR MORE THAN A YEAR despite providing all
the supporting documents to the officials. Later to recover this
amount bank has freezed my saving account[protected] and later on to
make the things worst freezed my trading a/c[protected]. To keep the
relationship I gave HARD Copies of all the docs again to Mr. TARUN
VIJAYEE and since that YOUR CONCERNED PERSON is not picking the phone
after 1-2 talks. How fair is this harrasment? And if that is fair can
I block payments for the other credit card I have? In directly you are
forcing me to do that and TRUST ME I can do that the same way I did
earlier. I give proper intimation to the bank and then take step
unlike yourself where LIKE THEIVES YOU FIRST FREEZE the accounts and
then inform the client. Pls make a clear difference in the cases which
are pending (at your end) due to a dispute and the case where customer
is making a FRAUD. I need the reversal of that un-authorised
transaction at the earliest so that balance can be paid..

https://infinity.icicibank.co.in/salesEARWeb/web/rbi/jsp/complaintForm.jsp






On 11/5/09, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
> Dear Mr.Bindra,
>
> We have already forwarded to the department for the settlement on your
> account.They would be contacting to offer the settlement on or before
> November 07,2009.
>
> Sincerely,
>
> Ramlal Mithra
> Customer Service Officer
> ICICI Bank Limited
>
> "ICICI Bank now offers 6.75% of interest p.a. on fixed deposits for 390
> days, 590 days, 7.25% of interest on fixed deposit for 790 days & 7.75% of
> interest p.a. on 990 days w.e.f . 01.08.2009 . Please contact any ICICI Bank
> branch."
>
> Register your ICICI Bank credit card for Verified by Visa / MasterCard
> SecureCode today to make your online transactions safer. RBI guidelines make
> this second level authentication, mandatory for all Internet card
> transactions from August 1, 2009. For registration and further details,
> please visit the Cards section of www.icicibank.com.
>
>
> CONFIDENTIALITY INFORMATION AND DISCLAIMER:
> This e-mail message may contain confidential, proprietary or legally
> privileged information. It should not be accessed by anyone who is not the
> original intended recipient. If you have erroneously received this message,
> please delete it immediately and notify the sender. You will appreciate that
> e-mail transmission cannot be guaranteed to be secure or error-free as its
> contents are susceptible to loss, damage, interception, destruction, etc.
> Before opening any attachments please check them for viruses and defects.
> The notice appended to the e-mails is not intended to prejudice the
> interests of our customers in any manner or to evade responsibility for any
> act of done with the endorsement of ICICI Bank.
>
>
>
>
> -----Original Message-----
> From: [protected]@gmail.com ([protected]@gmail.com)
> Date: Tuesday, November 03, 2009 01:34 PM
> To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
> Subject: RE: level1complaint/ Credit Card
>
> Thanks. Pls ask them to call before 2 pm only. Thanks.
>
> Regards,
> Ankush Bindra
> Sorry for typo errors sent by mobile.
> -----Original Message-----
> From: ICICI Bank Customer Care
> Sent: 03/11/2009 13:04:10
> To: ANKUSH BINDRA
> Subject: RE:'ICICICARE=[protected]' level1complaint/ Credit Card
>
>
>
> Dear Mr. Bindra,
>
> We have forward a request for settlement of your credit card loan account
> 9401 xxxx xxxx 9000 to our settlement desk team.
>
> You will receive call from our settlement desk team within 4 working days to
> offer your settlement.
>
> Appreciate your patience in this regard.
>
>
> Sincerely,
>
> V. Bhupender
> Customer Service Officer
> ICICI Bank Limited
> CONFIDENTIALITY INFORMATION AND DISCLAIMER:
> This e-mail message may contain confidential, proprietary or legally
> privileged information. It should not be accessed by anyone who is not the
> original intended recipient. If you have erroneously received this message,
> please delete it immediately and notify the sender. You will appreciate that
> e-mail transmission cannot be guaranteed to be secure or error-free as its
> contents are susceptible to loss, damage, interception, destruction, etc.
> Before opening any attachments please check them for viruses and defects.
> The notice appended to the e-mails is not intended to prejudice the
> interests of our customers in any manner or to evade responsibility for any
> act of done with the endorsement of ICICI Bank
>
> -----Original Message-----
> From: [protected]@icicibank.com ([protected]@icicibank.com)
> Date: Saturday, October 31, 2009 09:27 PM
> To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
> Subject: level1complaint/ Credit Card
>
>
> Name: Ankush Bindra
> Product: Credit Card
> Account No: [protected]
> Application No:
> E-mail address: [protected]@gmail.com
> Mobile no: [protected]
> Telephone no: +[protected]
> Details of complaint: Pls advice the best amount I can pay to close this
> Cash-in-Select Account. I made many attenpts to it and just because I missed
> the last installment of the previous(first) settlement bank staff is telling
> me different stories. Bank staff told me that told me numerous stories which
> are not leading to any result. Previously I was told to contact you when I
> have the money in my hands for final settlement infact your staff quoted me
> Rs. 50K also earlier but now some says 75K to 200K which one is correct? Due
> to the lack of transperency in the settlement procedures middlemen are
> making fool of people. Tell me the amount I need to pay if I pay in 1
> instalment and the amount I need to pay if I close this in 4 transactions.
> The most clear theory of settlement told to me is that bank can't leave its
> principle so deduct the amount you have paid to the bank and pay the balance
> of the principle amount you have taken originally. How true is that by this
> calculation I am supposed to pay around Rs 90K. Whats your response I dont
> want to be in th bad books to CIBIL. Thanks.
>
Dear Mr. Bindra,

We confirm having received the attachments sent by you through your
personal e-mail ID
[protected]@gmail.com.

However, the there is no policy cancellation confirmation letter in
the attachment.

We request you to co-ordinate with the merchant, AVIVA insurance in this regard.

We will not be able to charge back the amount from the merchant.

Sincerely,

Syed Ashraf
Account Manager
ICICI Bank Limited


-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Friday, June 26, 2009 10:55 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Syed,

I have sent the msg yesterday from [protected]@gmail.com with 2
attachments. Pls confirm.

rgds,
Ankush Bindra
I am deleting some of the below text as it dont allow this long msg to
go like this.
-----Reply Separator-------Dear Mr. Bindra,

Further to our telephonic conversation, we have checked all the 3
e-mail ID ankush.[protected]@yatraonline.com [protected]@gmail.com
[protected]@yahoo.com . However, we did not receive any e-mail from
the said e-mail ID.

Please note that the size of the attachment should not exceed 200 KB.
Kindly send the attachment in PDF or JPG format.

Sincerely,

Syed Ashraf
Account Manager
ICICI Bank Limited


-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Tuesday, June 23, 2009 11:59 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Syed,

After that letter was given they have sent me a letter to confirm the
same which is also sent by me.
I gave you the details of their records also.
So, in short copy of both the documents (my letter and their letter)
is given to you.
As transaction went thru they have taken the money. Despite CORE
asking them to refund. But they ignored it as money is in their
possession. Merchant is not in a mood to reverse this transaction and
I have no other option but to force you to recover this money at any
cost!!!!
Anyways, thanks for your understanding and concern.

Regards,
Ankush Bindra
[protected]
-----Reply Separator-------Dear Mr. Bindra,

We understand your concern.

We called on your mobile [protected]. However, did not answer the call.

We request you to us a send a scanned copy of the policy cancellation
letter to customer.[protected]@icicibank.com from your personal e-mail ID.

Please confirm the e-mail ID through which the attachment is sent.

Please note that the size of the attachment should not exceed 200 KB.
Kindly send the attachment in PDF or JPG format.

We inform you that if the credited is given by the merchant, it will
get adjust in towards your outstanding balance.

Sincerely,

Syed Ashraf
Account Manager
ICICI Bank Limited
-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Sunday, June 21, 2009 01:58 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Hi All,

Fortunately, I got the copy of the letter given to Aviva from their
records, pls tell me the email id where I need to send it as
attachment. Anyways, for your kind information, I have used 25,000
from the credit card and not going to pay for the same. You need to
adjust it once you got sucess in the chargeback.

Regards,

Ankush Bindra
[protected]


Dear Mr. Bindra,

According to our records the documents have not been received.

We request you to re send the same to customer.[protected]@icicibank.com

Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited

-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Monday, June 01, 2009 09:11 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Mr. XYZ,

Don?t delay the resolution too much so that I will make my own
judgment. You are forcing me to use the other methods of recovering
the money from you guys. I got the confirmation from the bank on 20th
May that docs have been received by the bank.

Ankush Bindra
[protected]

-----Reply Separator-------Dear Sir,

We have not received the cancellation proof of your avaiva transaction.

Kindly send it to customer.[protected]@icicibank.com.

Sincerely,

B Vijay Kishore
Account Manager
ICICI Bank Limited
-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Wednesday, May 27, 2009 09:43 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Hi Solomon,

Pls speak with Dinesh, he confirmed me that the proof of the
communication I got from Avaiva is recieved by the bank.

Pls dont communicate what you are not aware of.
Regards,
Ankush Bindra
[protected]
-----Reply Separator-------Dear Mr. Bindra,

We regret the inconvenience caused.

We are sorry to inform you that we have not received any e-mail with
attachment of cancellation proof from your e-mail ID :
[protected]@gmail.com towards customer.[protected]@icicibank.com as on May 27,
2009.

We will be unable to initiate a request without cancellation proof
regarding the transaction of Rs.26,250.00 towards Aviva.

We request you to re-send the attachment in pdf or jpg format below
200kb to initiate a request.

Hope you understand our limitation in this regard.

Looking forward to your co-operation in helping us serve you better.

Sincerely,

Jack Solomon
Account Manager
ICICI Bank Limited

-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Tuesday, May 26, 2009 11:37 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Mr. Solomon,

I was told the the charge back will get applied by 23 May, I sent the
docs copy also on time. Pls close this and refund the same to my
credit card account ASAP.

Regards,

Ankush Bindra
[protected]


-----Reply Separator-------Dear Mr. Bindra,

We regret the inconvenience caused.

We inform you that we have not received any e-mail from your e-mail ID
: [protected]@gmail.com towards customer.[protected]@icicibank.com as on May
25, 2009.

Looking forward to your co-operation in helping us serve you better.

Sincerely,

Jack Solomon
Account Manager
ICICI Bank Limited



-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Monday, May 25, 2009 11:05 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Done. This time I have sent it from [protected]@gmail.com . Also I got
the confrimation call from Mr. Dinesh that this has been recieved by
your bank.




[protected] Forwarded message[protected]
From: Ankush Bindra <ankush.[protected]@yatra.com>
Date: Mon, 18 May 2009 14:16:01 +0530
Subject: RE: Subject : RE:'ICICICARE=[protected]' Credit Card
To: Ankush Bindra <ankush.[protected]@yatra.com>, customer.[protected]@icicibank.com
Cc: [protected]@gmail.com, [protected]@yahoo.com

Hi,


Sorry I forgot to attach the scanned copy.


Regards,

Ankush Bindra

Yatra.com

Extn. 2087

_____

From: Ankush Bindra [mailto:ankush.[protected]@yatra.com]
Sent: Saturday, May 16, 2009 5:48 PM
To: 'customer.[protected]@icicibank.com'
Cc: '[protected]@gmail.com'; '[protected]@yahoo.com'
Subject: Subject : RE:'ICICICARE=[protected]' Credit Card


Dear Mr. Raghvender,
Dear Mr. Bindra,

According to our records the e mail has not been received.

We request you to resend the e mail.

Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited
-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Sunday, May 24, 2009 08:22 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Hi,

I sent it from ankush.[protected]@yatraonline.com .

Regards,

Ankush Bindra
[protected]


-----Reply Separator-------Dear Mr. Bindra,

We request you to confirm the e mail id against which the scan copy was sent.

Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited



-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Saturday, May 16, 2009 06:16 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Mr. Joshi,

I have snet the mail alongwith the scanned copy of the letter they
have sent to me to the given ID.

Pls resolve.

Regards,
Ankush Bindra
-----Reply Separator-------
Dear Mr. Bhattacharjee,

We request you to send scan copy of the proof that the insurance has
been cancelled in April 2008 to customer.[protected]@icicibank.com .

Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited



-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Wednesday, May 13, 2009 02:49 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Mr. Joshi,

Pls note I would like to take it legally. This vendor was blocked on
my request for any future ECS on 31 may 2008 itself. I was not guided
by anyone at that time from the bank's side and need to do a follwo up
with Aviva and then it went to CORE.
And now you are saying its too late. Are you guys joking with client?
I need this Rs. 25000 back at any cost.

Regards,
Ankush Bindra
[protected]

-----Reply Separator-------Dear Mr.Bindra,

According to our records there is no dispute request initiated.

Please also note that after the lapse of these 90 days, we would be
unable to initiate investigations for the disputed transactions,
according to VISA regulations.
Sincerely,

Joshi Raghavender
Account Manager
ICICI Bank Limited

-----Original Message-----
From: [protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Thursday, May 07, 2009 11:25 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Pls find the detials of the mail. At the very same time I communicated
the same to you over the phone once I got the SMS as well as written
communicattion was there. Pls check your records and send me all the
email communications sent from 20 May 2008 - Sep 2008 at the earliet.
That transaction was disputed by me.
===========================
complaints-Samaji Yadav <[protected]@core.nic.in> Mon, Jul 21, 2008 at
11:40 AM
To: ANKUSH BINDRA <[protected]@gmail.com>
Cc: [protected]@avivaindia.com
Reply | Reply to all | Forward | Print | Delete | Show original
Dear Mr. Bindra,

Since opp party has rejected your case, it is advisable that you move
to the Dist Consumer Forum for seeking redresal through Court. Now we
are closing this case from our end.

Samaji Yadav
Manager (Complaints)
Depts of Complaint Redresal Cell,
CORE Centre, Noida
Tel.:[protected].


----- Original Message ----- From: <[protected]@avivaindia.com>
To: "ANKUSH BINDRA" <[protected]@gmail.com>
Cc: "complaints-Samaji Yadav" <[protected]@core.nic.in>
Sent: Friday, July 18, 2008 7:12 PM
Subject: Re: Final reminder

Dear Mr. Bindra,
This is further to your email regarding your policy bearing number
WLG2086902("Policy") with us.
We would like to inform you that the decision communicated to you vide
our e-mail dated July 14,2008 was after detailed analysis and complete
evaluation of your case and therefore at the current situation our
process and contract does not allow us to make any refund in the
present policy.

Should you have any further queries, please feel free to revert on our
e-mail id or you may contact our customer services toll-free number at
[protected] or contact us at[protected].
Thanking You,
Yours Sincerely,
Complaints Redressal Team
Aviva Life Insurance Company India Ltd.

"ANKUSH BINDRA"
<[protected]@gmail.c To
om> [protected]@avivaindia.com
cc 07/16/2008 08:13 "complaints-Samaji Yadav" <[protected]@core.nic.in>
AM Subject Re: Final reminder

Hi,
I dont know why again you are going away from the topic. I have just 2
simple things to which I need a satisfactory answer.
1. I just want my second year to be refunded as I have no intentions
to go ahead with the same. Previuosly why I didn't looked during the
cooling of period that is something which we are not discussing at
present.
2. Tell me if you take back the policy of all the people coming with
complaints!!!!!My documents were taken by telling me you are
surendering this policy as this is a dispute case. So where is the
confusion?

I want complete Rs. 26.250 refunded in another 7 days time as we have
already wasted so much of time.

Mr. Yadav: Need your legal advice alongwith support to publish the same in
the media, so that people will not fall in these kinds of traps later on.


Regards,

Ankush Bindra
[protected]

On Mon, Jul 14, 2008 at 3:28 PM, <[protected]@avivaindia.com> wrote:

Dear Mr. Bindra,

This is further to your email regarding your policy bearing number
WLG1559954 ("Policy") with us.

We would like to inform you that we have already replied to you vide our
e-mail dated July 10,2008.

Further, we would like to reiterate that we have taken due cognizance of
your feedback but would like to inform you that no application is
processed until and unless we receive a filled up proposal form from our
customer which clearly mentions the terms of the policy and has the
customer's signature on it which further validates customer's acceptance
to the information mentioned in the proposal form.

Please note that the proposal form bearing number NUP10812356 was duly
signed by you and only after a detailed analysis and review of your
proposal it was converted into an insurance Policy for a sum assured of
Rs. 20,00,000/-

Furthermore, we would like to inform you that each proposal form is
analyzed and underwritten and once the policy is commenced we send a
detailed policy documents which contains the copy of the proposal form
which you had signed and also contains the Terms and Conditions
governing the policy.

Thus, we would like to take this opportunity to inform you that
insurance is a subject matter of solicitation and is initiated
through a verbal conversation.

As a Company, we take due precautions to ensure that our customers are
objectively informed about each and every aspect of the policy and are
given the opportunity to reconsider the decision.

Further, even after availing the policy, the customer is provided with
a "right to reconsider" option ('Free look Period'), wherein the
customer if dissatisfied with the policy terms and conditions or the
benefits available under it, is entitled, to bring it to the notice of
the
Company and request for cancellation of the Policy within 15 days of receipt of
the Policy. In case of cancellation of the Policy under Freelook
cancellation option, the entire premium paid by the Policyholder (less
applicable charges) is refunded back to the policyholder.

However, we did not receive your request for cancellation of the Policy
within the Freelook period.

Also, we would like to draw your attention to your letter which we
received on April 11,2008, wherein there was no mention of making a
stop payment on the renewal premium payment.

Further, we would like to draw you attention to the fact that the
original policy documents were dispatched to you on June 6,2008 and
was delivered to Sunil on June 9,2008.

In the light of the above stated facts,we would like to inform you
that at the current situation our process and contract does not allow
us to process any refund.

Further,we would like to inform you that due to a technical error an
indexed amount of Rs. 26,250/- was collected for the period May
15,2008 to May 15,2009.

We apologize for the inconvenience faced by you due to this transaction.

Also, we would like to inform you that we are making arrangement to
refund the excess premium amount of Rs. 1250/- back to you. May we
request you to please forward the original policy documents and First
premium receipt to any of our nearest Aviva branch.
Also, we would like to bring to your notice that your policy number
would change and reassure you that the policy benefits, terms and
conditions remain unaffected and all the premiums paid by you in the
old policy
number would be transferred to your new policy account.

We once again reassure you that this exception has been taken in
appreciation of your feedback and we assure that AVIVA at all the time
will keep you updated of the transactions with us and request you to
please keep us informed of your feedback on the transactions and
communications send to you from time to time.
Should you have any further queries, please feel free to revert on our
e-mail id or you may contact our customer services toll-free number at
[protected] or contact us at[protected].

Thanking You,

Yours Sincerely,

Complaints Redressal Team
Aviva Life Insurance Company India Ltd.
"ANKUSH
BINDRA"
<[protected]@gmail.c
To
om> "[protected]@avivaindia.com" <
[protected]@avivaindia.com>
cc
07/12/2008 01:06 "complaints-Samaji Yadav" <
[protected]@core.nic.in>
AM
Subject
Re: Final reminder

Dear Ms. Divya,


Thanks for the call made by yourself on 09 Jul 2008, but again I would
like to put that in words that the case is still pending at your
ending after 48 Hrs are gone !!!
I would like to tell you that for every complaint you guys don't keep
the original policy documents of the insured and since you have taken
them from me this is very much self expalanatory that it has been
surendered by me.
So I need my complete premium paid for Rs. 26,250.
I need my money to be refunded without any further delay alongwith a
suitable compensation for the delaycaused at your end for Rs. 25,0000
(total Rs. 51,250) for the mental harassment, un-authorised usage of
my credit card and mis-guidance.

Yours Sincerely,

Ankush Bindra
[protected]



On 7/9/08, [protected]@avivaindia.com <[protected]@avivaindia.com> wrote:
Dear Mr. Bindra,

This is further to your email and subsequent conversation with our
Complaints Redressal Executive regarding the policy bearing number
WLG1559954 with us.

Please accept our sincere apologies for the delay and inconvenience
caused to you.

We would like to assure you that your concerns are being investigated
on utmost priority and we shall revert back to you with the final
status in next 48 hours.

May we request you to please bear with us till such time.

Should you have any further queries, please feel free to revert on our
e-mail id or you may contact our customer services toll-free number at
[protected] or contact us at[protected].

Thanking You,

Yours Sincerely,

Complaints Redressal Team
Aviva Life Insurance Company India Ltd.

"ANKUSH BINDRA"
<[protected]@gmail.c
To om> "[protected]@avivaindia.com" <
[protected]@avivaindia.com>
cc 07/09/2008 08:28 "complaints-Samaji Yadav" <
[protected]@core.nic.in>
AM
Subject Re: Final reminder

Dear Sir/ madam,


Request you to resolve this ASAP and refund the money charged on my
crd despite my refusal to go ahead with the same.
Its over a week now since final reminder was sent to you by Mr. Yadav
from CORE India. This case is pending for last 2-3 months and I am
very disappointed by this.

Regards,

Ankush Bindra
[protected]




On 7/2/08, [protected]@avivaindia.com <[protected]@avivaindia.com> wrote:

Dear Mr. Bindra,

This is further to your email regarding the policy bearing number
WLG1559954 with us.

Please accept our sincere apologies for the delay and inconvenience
caused to you.

Further, please be assured that your complaint is being followed up on
utmost priority with our senior authorities and we would update you on
the same shortly. May we request you to kindly bear with us till
further
updates.

Should you have any further queries, please feel free to revert on our
e-mail id or you may contact our customer services toll-ree number at
[protected] or contact us at[protected].

Thanking You,

Yours Sincerely,

Complaints Redressal Team
Aviva Life Insurance Company India Ltd.



"complaints-Samaji
Yadav"
To
<[protected]@core.nic.in <
[protected]@avivaindia.com>
>
cc
06/30/2008 <[protected]@gmail.com>
01:16 PM
Subject
Final reminder
|pic32170.gif) |
|| | (Embedded image moved to file: pic20315.gif)
|
| |Supported by: Ministry of Consumer Affairs, Food &
Public|
| | Distribution,
|
| | Department of Consumer Affairs, Govt. of India
" JAGO GRAHAK JAGO"
REMINDER
Dear Sir,

Kindly refer to our earlier mail.It is most unfortunate that an
organization of your repute has not responded till date to the
complaint.

We would request you to respond to this matter at the earliest and in
case you have not received the earlier mail, kindly find the attached
letter for your immediate action. We are confident, you will
agree that resolving complaints is of great value for you and needs
prompt attention to have a satisfied customer. In case no
satisfactory response is received from your side, we will have no
option but to advise the complainant to seek remedy through
consumer court and to make public your unfriendly attitude to
customers through our website which has over 1.3 crore hits from 50
countries across the globe by now.

Samaji Yadav
Manager (Complaints)
CORE Centre (Jago Grahak Jago Cell)
Noida (UP) -201 307
Tel:.[protected]


----- Original Message -----
From: ANKUSH BINDRA
To: complaints-Samaji Yadav
Sent: Sunday, June 29, 2008 1:35 PM
Subject: Re: complaint

Dear Mr. Yadav,

Please help me with this as your more active intervention is required to
get it sorted ASAP.
Thanks.
Best regards,

Ankush Bindra
[protected]
On 6/24/08, complaints-Samaji Yadav <[protected]@core.nic.in> wrote:
Dear Sir,
We are forwarding herewith a complaint, which is self-explanatory.
We are the official agency of the Ministry of Consumer Affairs, Food &
Public Distribution, Department of Consumer Affairs, Govt. of India, to
facilitate such complaints promptly, to the entire satisfaction of
both the parties. (For detail kindly visit our website
www.core.nic.in).
It is requested that the matter may kindly be examined and the
grievance be redressed promptly. Action taken in the matter may kindly
be communicated to the petitioner under intimation to the undersigned.
Samaji Yadav
Manager (Complaints)
CORE Centre (Jago Grahak Jago Cell)
Noida (UP) -201 307
Tel:.[protected]


----- Original Message ----- From: <[protected]@gmail.com>
To: <[protected]@core.nic.in>
Sent: Saturday, June 21, 2008 8:06 PM
Subject: New Complaint Received from 27 March 2008 - CORE Centre


Dear Complaint Team, CORE Centre

There is a complaint updated.
Title : Unauthorised transaction
Complaint ID : 3123
Name : Ankush Bindra
Email : [protected]@gmail.com
Adddress : 190 GF Ashoka Enclave-I
City : Faridabad

Dear Sir,
Product not received till date ( two month). Kindly payment return.(PFA)
Bank statement attachet.

dilip kumar datta
order date-09.10.09
news advertise date-08.10.09
order ref no-[protected]
payment amount icici credit card-4699/
payment ref no-7447748928202006884820

kindly order number and delivery otherwise payment refund
thanking you (dilip kumar datta)
card card no:- [protected]

an email sent to Biju.P.E, DSMG-KAM, Bangalore, mob# [protected]

Dear Biju/Joy,

I received a sms just now that Rs 9586.56 has been debited from my account XXXXXX507210 without my consent/admittance. Can you please help me to understand the cause ?

Again and again, I have been saying that I am not the culprit and also you cannot find any reasons to be making me Bank's Defaulter. I did same whatever I was convinced by Sanjay at the time of converting my transaction Rs 47667.00 into 9 EMIs. He told clearly that there will be grace period for all your EMIs for 6 to 7 days, therefore, he insisted to drop the cheque before 6th/7th day of every month.

Even though, I tried many times to remove the disputes, and honestly & sincerely keep calling call center executives, joy, Biju and writing mails to you both.

A day before yesterday, I received again two couriers which instructs me to pay the debited amount/ or talk to Arunima Verma on[protected]/3635. I tried more than 25 times, but failed everytime.Lastly I called you(Biju) and discussed accordingly. Yesterday I received a call from Jamal[protected]Mumbai) and he tried to convince me to pay Rs. 4300/-. I said I shall be ok with 1500/- to 2000/-. In the meantime. it gets debited the above amount from my above a/c.

Request you all to provide me the solution for which I am not the culprit/Defaulter.

I Visited ICICI bank. Aundh, Pune to place request to enable the payee alerts on my cell phone. I was told by back executive the it will take 2 working days to get this enables. Since the request was not closed in 2 working days I visited the branch again on 3rd day. I was told on 3rd day that it will take another day. Since it the request was not fulfilled on 3rd day I registered a complaint using ICICI customer care call center.

Response of the customer care is pathetic. They keep the call on hold for 10 mins atleast before they give me any update about this complaint status. after several call they asked me to visit the branch again which I believe is unnecesary and very ineffecient way of handling customer complaint. Due to whole episode my payment to other banks are getting delayed.

Hi,

I paid Rs.100 to recharge for a reliance prepaid (CDMA) number [protected] through ICICI net banking on 21st November 2009.

There is no recharge until now. I called the customer care twice.....according to them the money should be credited to my account within 3 to 4 days if the recharge is not done. This is 27th November & still no money credited back.

My Transaction ID:
SB1681161

Description:
BIL/[protected]/0524/[protected]/[protected]

Account Number: [protected] Branch: 6239 (Chembur)

This happened earlier too. This is the last time I tried prepaid recharging through ICICI net Banking, enough harassment. If you cant run it properly then stop the service....don't harass customers for trusting you. When we call customer care they say we are not responsible for reliance server....it's their fault. Please don't run something which you can't bear responsibilities for. I would suggest to stop the reliance recharge immediately, if you don't have any direct control over that. Or at least try to credit the money back in time if something goes wrong.


--
Thanks & Regards

ARIJIT GOON

+91 [protected], +91 [protected]

Dear Sir,

a) On 26th Oct.09 I have lost Rs 1000/- from my a/c in ICICI ATM counter(counter no-11) in Bhubaneswar due to link failure.

b) Now bank itself is denying the fact desparately & not cooperating at all to get my money back.

c) Instead of giving phone no gave me fax no,when everyone could connect over phone they said unable to contact,

d) Send mail nodal officer many times & got reply-we acknowledge receipt of your communication.we will attend to your mail prompltly & revert to you within 2 working days but never replied.

e) Always from Mumbai office said transaction was successfull,money can't be reversed to the a/c without providing right bank proof or documents to me.

f) Is this the transparency & customer dealing ?

g) Who will solve this problem & help me to get my hard earned money back?

Sincerely,

Pabitra Kumar Maji,
ICICI Bank A/C N[protected]
[protected]

I have taken a loan from ICICI bank i pay my regular installment in time,now i complete my loan in time & now they asking me for extra payment for late payment of installment they are not issue NOC. they have direct debit charge CFO charges without any intimation & they force me to pay compulsory otherwise they are not issue NOC.

It is a sheer harassment.
I want to know to whom should i complaint.
May...

It's so poor to hear from ICICI Direct helpdesk that their system can't print "/" (say 9/45 ) in the customer's address.
Stupid representative who couldn't speak proper english came to my house and collected all the documents with Rs.975 cheque to open the ICICI Direct account.Cheque cleared but i didnt receive my trading password yet.

People learn from their mistakes but ICICI Direct never did this.

Irresponsible managers, helpdesk even their courier service 'First Flight' ...

I have been sending emails to the helpdesk, calling customer care, calling courier service for the past 45 days...

no help!

In all, It's the worst trading platform in India.. DON'T GO FOR IT ! DUMP IT IF YOU HAVE ONE !

To
Business loan Manager
ICICI Bank,Indore

Subject:-Reversal of charges

Sir,
My firm Mahesh book depot situated in indore doing business since 1984 having a bulk turn over of RS.1.5 CRORES has an account in your ashok nagar branch having accnt no:[protected] has got facility of Overdraft limit of ONE LAKH rupees in year 2007 and after that we have signed in October 2008 for rupees TWO THOUSAND FIVE LAKHS.
And bank immediate charges in our account debited by following charges in 2 steps:-

1.Renewal charges(processing fees)-> 2-12-08 Rs.5056.20
2.Renewal charges (processing fees)-> 23-10-08 Rs.3370.80.

But we have still got overdraft limit of only ONE LAKH RUPEES instead of having overdraft limit of TWO THOUSAND FIVE LAKHS.

And in every month we have been charged by RUPEES
FIVE HUNDRED as MAB or QAB CHARGE ,.,since DECEMBER 2007.but after overdraft limit account it must not be charged and here is the following description of the MAB and QAB charges.

1.dec 2007-RS.1500
2.mar 2008-RS.1500
3.jun 2008-RS.1500
4.sep 2008-RS.1500
5.0ct 2008-RS.500
6.nov 2008-RS.500
7.dec 2008-RS.500
8.jan 09 to aug 2009-RS.500(each month)
Total invalid charges of MAB or QAB= RS.11500(upto aug 2009 only)
Please take immediate and proper action against these invalid charges and try to reverse it in my account.we are also trying this request since last one year at your indore malwa parisar and same in ashok nagar branch but no proper action has been taken against it.hopefully this time any action must be taken for future good relations.please reply us as soon as possible.and obligue.
Thanking you,

Mahesh .k.tolwani
(prop. Mahesh book depot,indore)
(account num:[protected]

In around Jan or Feb 2008, I was sent a ICICI Lombard GIC LTD. card. (ref no. 74477488079004331081160). I called the customer care and told them that I do not need that ICICI Lombard card and they canceled it and said I need not have to pay any money(since I had stopped using the card I had no outstanding bill at that time). But in the next months ICICI credit card bill, I was charged Rs 15000. So when I called them, they said the amount will get reduced on its own as they will pay EMIs and it started reducing every month. And since I came to the USA and was not using the credit card any more, I did not follow my credit card statements. But suddenly a couple of days back, my parents in India were called and threatened that I had around Rs 4000 due and I will have to pay Rs 1500 to get rid of the outstanding due or they will face problems. When I called them they said they are from recovery section and were speaking like some nut heads and gundas. I checked my credit statements and they have stopped paying the EMIs in Feb 2009 when the due was around Rs 392. And over next 6 monts they have charged me interests and late fees and they have made a bill of Rs 3995. When I called ICICI Lambard, they said they have paid all the money they owed and told I need to speak to the Credit card division. When I called credit card division, they said, I need to speak to ICICI Lambard as they haven't paid the complete amount. I have asked my parents to lodge a police complaint to be on the safer side. This is the number that I contacted them.[protected]. They told that they are put up in Bommanahalli in Bangalore. If you check my past 2 years' statement and verify the things, you will understand whats going on. This is like a day light robbery. Both are hand in glove in this. They are cheating people. How should I handle this situation?

I am trying to activate my debit card which can be done only through phone i have lost my 50 Rs they say always to wait. so its a humble request to take strict action against them

Sir, i have current a/c with icici bank wide a/c no[protected] : KINGS INDIA. They are not sending bank statement since 1.5 years and when ever we complaint to bank not giving proper reaply .and every month they deduct sum of 350 to 450 as bank charges .
currently we are availing facility of internet banking but we ony find bank charges appropiate details are always missing.
Please help us in solving problem. My mobile no is [protected].
Anil Raj Singhvi
(prop. KINGSINDIA)

i have got two wheeler loan from icici bank branch faridkot date 25oct 2007 now which is shifted from faridkot to the place i d'nt know & my all EMI cleared in the month of april 2009.
i request many time for issue my NOC but bank has not giving any attention toward my application or (complaint no.[protected] i requests highly to you for solving this problem.thankyou

Dear Sir,

Re: Credit card No:[protected] of sasikumar- Statement dated Feb 13, 2009 due on 2nd March 2009.

Please note that while travelling I have used my credit card on 8th Feb for accommodation in the UK for a provisional booking (pre authorization) for GBP 966 and there was actual drawings by the Hotel. It is a usual practice anywhere in the world to do a pre authorization through card while checking in and unless and until it is actually drawn through a proper authorization no charges to be paid by the credit card holder, and in turn by the bank

In the statement mentioned above I noticed you have debited me for Rs.71,966 on 12th Feb and credited me for Rs. 66,751 a net difference of Rs.5,215 for not spending anything from the card.

Since the above debit is not for any actal drawings from the card I am not wlling to accept such debit and hence kindly reverse the debit for Rs 5,215 and acknowledge.

I sent two letters (March and April) and I didn't get any reply from the ICICI bank.

Regards',

Sasikumar'
[protected].

Hi,
I, Shailesh Meghji Ayer having account at ICICI Bank (Andheri West Shoppers Stop Branch). I had an emergancy and i tried to withdraw Rs. 5000/- from HDFC Bank ATM on 1st of August 2009. However due to some technical problem the the transaction was failed. I tried doing the same thing twice but both the time it failed and Rs. 10,000/- was debited from my account. However Rs.5000/- was credited instantly but remaining Rs. 5000/- was not credited. I called up ICICI Bank customer care for this complaint. The complaint (SR[protected] was taken into consideration and was assured that within 12 working days the amount will be credited after the verification from bank. On 14 of August 2009, amount of Rs.500/- was credited into my account. So i again called up customer care saying why Rs. 500/- is only credited the actual amount was Rs.5000/- what about the remaining Rs. 4500/- . Again new request was registered(SR[protected] on 21st of August assuring that within 12 working days the issue will be resolved. I kept on calling customer care i was made to follow same process and was told to wait for 8 days, 12 days, 1 day. I even received call from senior officer (Mr.Vikram[protected] stating that we re doing the follow up with bank and will resolve the issue in 8 days. Where again i received new service request number(SR[protected] on stating that it will resolved but was not done. I kept calling customer care again on 21st September the complaint was registered on HIGH PRIORITY basis but no result.
Finally, I had had also written mails to bank using my netbanking account to account officor where i got reply stating that "We deeply regret the delay in resolving your query. Considering the time taken for this complaint, we have placed your concern at top priority with the Reference number SR[protected]. ". But still i did not got the issue resolved. Now a days i am writing mails by am not receiving any reply.

Finally i am tired calling customer care and sending mails to account officor for the amount of Rs. 4,500/-. I dont know what is suppose to be done.

Bank is not taking any initiative to resolve the query.

Please do the needful.

Regards,
Shailesh