ICICI Bank Complaints & Reviews

DEAR SIR,
MY MAIN COMPLAINT IS FOR THE MISUSE OF THE CHEQUE FRAUDANTLY FOR ISSUING POLICY WITHOUT MY SIGNATURE AND CONCENT. I REQUESTING/COMPLAINING THIS MATTER SINCE 26TH NOV 2008 SOME OF THE DETAILS OF MAILS ARE AS FOLLOW:

This is related to my HOME Loan A/c No.LBNOD[protected], cheque no.124566 is debited as “I Lombard” for Rs.3256/- on 26/11/2008 from my S/B A/C No.[protected], pls clrfy for which policy ? as I hv signd lomabrd policy app. Form for the purpose to cover my H/L loan amount and the same is debited from my HOME LOAN disbbursment., this cheque is issued for disbursment of my home loan account no.LBNOD[protected] at NOIDA Home Finance to Mr. HARIOM MISHRA (RO).The Serial Nos of Chqs given to Mr. Hariom are[protected] as demanded at the time of disbursement for the purpose of security PDC’s

FROM THIS DATE AND TILL DATE I M GETTING THE FOLLOWING REPLY:

With reference to your mail, we wish to inform you that your request has been forwarded to the concerned department and we will revert to you at the earliest.
For any further assistance, please feel free to write to us.
Assuring you of our best services.

Regards,

Sadik Ali
Customer Support Team

IN BETWEEN I HV MAILED SEVERAL TIME AND EVEN ASKED FOR CONSUMER COURT THROUGH MY LEGAL LAYER BUT I THINK THEY DON'T HAVE ANY FEAR OF THE LAW.

PLS LOOK INTO THE MATTER AND HELP ME NOT FOR RS.4000/- BUT FOR THE CHEATING THEY HAVE MADE WITH ME AND MAY BE DONE BY ANYBODY IN FUTURE.

rgds

RAVINDER SAXENA
M-[protected]

Dear Sir,
in year 2007 i fill the utility bill service form with my crdit card but the executive change the form & reenter other bills in this service & bank without my confirmation activate the same.due to this they transact one bill amountof rs 3400 from my credit card when made complaint to bank they not taken any action & each time they forward the mail to me in which they comment my phone no. not reachable.After a long follow up when i stop the payment of credit card bank taken no action & when amount become above 15 k they withdraw the amount from my salary account of same account.Tried many times for settle the matter but they not want to do so.
Even they added my name in the defaulter list due to which my personnal & home loan requests are cancelled & i lost the oppertunity to avail the home.
These type of banks only enjoying the indian system as there is no hard rule or awarwness & a simple service person helpless against the system they made.These are the banks which are failed in foriegn countries but in india they become no. one because they target the simple & helpless service man who always obey & fear with law.

Do the help if any possibility.

Dear sir/Madam,

This is in regards to the ICICI Bank fraud. I have a S/f A/c with ICICI bank and unfortunately a Credit card too, When I checked my balance some months ago I found that ICICI Credit card department has debited my A/c by Rs. 11009, toward my credit card settlement which was supposed to be Rs.2500. Without my prior Permission. It seems to me that due to the recession ICICI is taking peoples hard earn money to show the profits. They are just disobeying RBI guidelines.

The reason I have requested ICICI to close my Credit Card as I was not satisfied with the services of ICICI. As in the past I called to ICICI Cus Care and talked to Ms. Rashmi as per her request I had paid Rs 2500 (Rs 2000 Bill + 500/ Late payment fees) to make my balance nill. Instead of paying full amount and several complaint (eg: Complaint Number :[protected] every month ICICI is putting Rs 500/- for late payment. I don’t understand which kind of late payment was that. This is a kind of fraud now a days Credit card companies are doing to survive, is this is the right way ?

I did complaint regarding this to customer care then it has been told to me to pay Rs 250/- to close the account, though Rs 250 /- should not be charged from me as there was no fault of mine then also I thought I will pay out this and will think that this was the fee I had paid to ICICI to give me settlement letter, but I was wrong ICICI intention was not this I I had paid the amount of Rs 250/- also with the application to Bank manager ICICI GK-1 Delhi. Then I asked cust care executive to let me know the status of Rs 250/- .

Now they were saying to pay again a 2500 for full and Final settlement. I had no issues pay it again as I have initiated the settlement from my side. Next thing shocked me when I came to know that ICICI had debited my s/f a/c by Rs11009/- without my prior permission and intimation. I don’t know what kind of banking is this and what kind of executive they have. This was the mistake of the customer care executive as he misunderstood my intention over phone, towards the status of Rs.250/- but then also I didn’t understand why they have debited Rs11009/- toward which charges. After that I called to customer care and asked for the explanation they didn’t responded and rudely told me that they can’t do anything in this matter.

I just wanted to know how can a bank debit their customers account and who gives then this kind of authority that they can simply trouble their customer, banks are here to provide the services not to trouble people,

Sir, I am looking for the justice, I hope you could help me.

Kind Regards,
Akash Bartaria
Mobile Number- +91-[protected]


Please find below the mail trail :



Order wise mail trail :
1.
Branch Id : 0029
To,
Bank Manager
ICICI Bank

Sub : Making my credit card Balance NIL (credit card no : *************1006 ).

Dear Sir,
As I have already paid my last payment of Rs. 2000 + Rs 500 ( Late payment charge ) = Rs.2500 and after that it was promised, to make my credit card balance NIL ( Rs. 0) by some of you payment collector ( Ms. Rashmi ) , but till date it is not cleared. And above all you are charging extra late payment fees of Rs. 500 continuously from past 6-7 months I suppose, despite of my complaint several times ( eg: Complaint Number :[protected]. I am again paying the sum of Rs. 250 as per the request made by ICICI payment collector executives, so that they will make my balance NIL.Hoping that it will be fruitful to pay this extra money, to make my balance clear.

Best Regards
Akash Bartaria

(1)
Mr. Barthria
As per SR81958040, we request you to kindly contact Sanchita on Mobile Number [protected] for settlement of dues on credit card account 4477 XXXX XXXX 1006.
Sincerely,
VENKATNATHAN
Account Manager
ICICI Bank Limited
(2)
Dear Mr. Barthria,
We have initiated a request for the settlement of dues on your credit card on priority with the Service Reference number SR92121673. We will revert to you with the status by January 09, 2009.
Sincerely,
MADHAVI VINJAMURI
Account Manager
ICICI Bank Limited
(3)
Dear Mr. Barthria,
As per the confirmation from collections, the settlement was offered for an amount of Rs. 2250 in 1 installment to settle your credit card account. As the settlement was not accepted we request you to kindly check and confirm if you wish to go for settlement.
The settlement on the credit card is totally under the perview of collection department and we are not unauthorized for settlement.

Sincerely
Gauri Pewekar
Customer Service Executive
ICICI Bank Limited

(4)
I have already confirmed that i want the settlement many times..i was only asking for the status of rs. 250 tht i have paid earlier with the application to Bank manager ICICI GK-1 Delhi.
Settlement is what i intiated , i have already confirmed on phone...its the mistake of your collection department who misunderstood my statement,....
Now you have deducted 11009 rs. w/o my prior permission from my BAnk Account...
HOW CAN YOU DO THIS ???
If i am already agree with 2500 settlemet how can u be so careless to confirm and ask before the direct deduction from my Bank acocunt...Kindly explain...??
This is the case against bank maager of GK-1 delhi, that how can you people deduct any sort of amount without my permission....
Then whats the use of security. Any one can come and deduct from my bank account.
I am again requesting credited the amount of rs 11009 in my bank account again and as i have stated many times, m ready for settlement at any time..and deduct 2500 instead of 11009....
Otherwise i have to complaint for this fraud ??
Akash Bartaria
(5)
Branch Id : 0029
Dear Sir,
Pls let know how can u deduct Rs. 11,009 dated on 02 28/03/2009 without my permission. I havnt received not a single prior intimation that 11009 will be deducted from my account for my credit card....
Pls explain....how can you people touch or deduct any amount without prior my permission ?????
Regards
Akash Bartaria
Mobile Number- +91-[protected]

Sir,
In past I have two times mail to change my postal address because my working address was change. So I am unable to get Credit card bill statement.
So please send my credit card statement tomy residence address which is given below.

Mr. Mahendrasinh M. Raj
"Shivam", 54-Gayatrinagar Society,
B/h Jain Temple, Nana Bazar,
Vallabh Vidyanagar-388120
Dist.: Anand, Gujarat, India.

Once again I request you to coorect my address as above.
MMRAJ

I have taken ICICI Titanium Credit Card in the Month of March'09. After activation of my card, i had received a call from credit card team for ICICI bank lombard Health Insurance. I straight way rejected their proposal & clearly informed that i do not want to take any health insurance policy. Again they called up & asked for taking health insurance & also informed that if you do not want to take insurance then its ok but first you have to agree to take insurance of ICICI Lombard then you have to cancel it. They were not going to charge anything for cancelling the policy but you have to through this procedure to convert primary card holder to permant card holder and explain some funda.
Once i agreed, i had received a call from ICICI Lombard to take health insurance. I agreed to take the same. And then immediate, i had received the call from Credit card custormer care & as discussed with them, i have asked to cancel my health insurance. The whole process has done over phone within 15 minutes of span. After that Credit card custormer care informed that the EMI of helath insurance would be appear on your statement for 3 months & you do not have to pay any EMI. After 3 months this EMI would not shown & your account would be cleared....
But as on date after 7 months, still EMI is appearing on my out standing statement & since i am not clearing the payment as asked by custormer care so its interest, late payment charges etc.. been added to my out standing due...Today the outstanding total amount is Rs 4827 which is incresing day by day..
I have registered the complaint on ICICI web site but i am not getting any proper answer..
Pl take up the matter with ICICI Credit Card division.
For any further details, pl contact [protected].

Thanks & regards,
Vibhav Dekhtawala.

Sir,

On dt. 22.06.2009 I gone to MGB, Coimbatore for Shopping. and Gave Advance for a Sum of Rs. 500/- through my Debit Card issued by Union Bank of India, after that due to some misunderstanding i asked MGB peoples to refund the amont back and the MGB peoples done reverse transaction for my Card. as Void Sale. then the deducted amount should credit to my Account. but till today it has not credited to My Account. For this regards i Contacted The Branch Manager of My Bank and he told that the amount deducted from your Account has not back to us, You please contact with ICICI Bank. After That i Contacted ICICI bank and The reply has came from their Corporate Office at Hyderabad as we are unable to find the transaction details about the Amount and we cant assist you more as you are not our Customer. and tried to push me to side by telling Contact to your Bank.

For Your Kind Information The MID No. is 50140005 and i have attached the Scan Copy of Card Slips here with.

Therefore i am requesting you that Please help me to get my Amount Rs. 500/- Back with a penalty of worst Service.

Thanks & Regards

Dillip Kumar Dash
[protected]

Dear Sir,

I had transferred 5650 rupees from my citibank account [protected] to another person's ICICI bank account number[protected]. The UTR number is CITIN[protected] on 24 Aug 2009. However, it has not been updated in ICICI bank account till 30 Sep 2009.

Similarly, another transaction of the amount 5650 on 24 Sep 2009 has also not been updated in ICICI bank with UTR number CITIN[protected].

Can you please help me out to resolve this issue?

Thanks,
Vinod Kumar Gupta

Hi



I have been an icici customer for over 3 years, I have 2 savings accounts,1 salary account ,2 loans and one credit card with a cash in select advance on it.

I was unable to pay 3 consecutive emi’s of my cash in select account no.[protected] due to some financial problems however I still continued to pay my credit cards and my other loans on time without any default , I understand that I was supposed to pay my cash in select emi’s also because of which the bank leaned the following of my accounts

1.salary account no.[protected]

2.savings account no.[protected]

First of all the bank leaned my account without any prior info I did not receive any letter nor any phone calls so I called the call center no. and they said that if I pay my due emi’s along with the late payment and finance charges the lean from my account will be removed so as per their commitment I paid rs.4000 cash and I gave a debit note of rs.11474 to clear of the pending emi’s and get my account back in order ,I was promised by the call center staff that after I pay all the pending dues and get my account back in order my accounts will be released in 3 working days but its been a month now and I am unable to use my accounts and now the bank is forcing me to preclose the cash in select loan which I m financially incapable of right now however I have paid all the pending emi’s and I m looking to pay all the remaining emi’s on time but no one is helping me.



If you check your database I have two loan accounts with icici bank which are as follows

1.LPDEL[protected] – 48 EMIS out of which 44 are timely paid 4 remaining

2.LPDEL[protected] – 36 EMIS out of which 26 are timely paid 10 remaining



Even with customer’s who pay their due’s in time the bank is behaving in this way does not seem like no.1 bank which you guys claim to be



Kindly get back to me as soon as possible so I can discuss my grievance and agree on a solution with mutual understanding



Thanks and Regards



Lalit Kumar Jha

i have a icici savig a/c with debit card, that was lost on 27/09/2009.when i reported about lost of card to coustmer care, then i come to know that someone has missuse it. i have lost about 24000/-.can you tell me what should i do now? i have already file FIR in Police Station. My A/c No.[protected]


Thanking You
Ajay Rana
[protected]
[protected]

I have taken a home loan of Rs 8.5 lakhs from ICICI bank in Aug08 and want to get it pre closed due to very high intrest as compared to other Nationalised banks. ICICI is charging 11.25% whereas SBI is charging 8% only.
When I approached the bank for a preclosure they have asked me for a preclosure charges of 2.25% on the preclosure amount. As per the guidelines of the RBI which was clearly mentioning that the banks cannot charge...

I am Somasundaram using ICICI Credit card for more than 3 years.I have been offered EMI for the transactions i made.I have converted a transaction done on july also. Keeping that in mind I swiped for amount of 24, 000, But when i asked for conversion, they are saying EMI option is not available.They also said that this was due to a corporate change. For junk things the icici will send mails, i want to know why they didnt send mail to me regarding this change. We cannot call the customer care now and then to get updates. I have to look out for money now.

Thanks,
A.Somasundaram.

I am Principal of a Pharmacy college.All of a sudden one day one representative of ICICI credit bank met me in the college and forced me to have the credit card in the year 2006. He collected all the documents and one day I received the credit card for a meager credit amount of Rs 13000 . After few days I was contacted by phone by someone for ICICI lombard insurance. I was told that around 6000 will be detected for this from the credit card. I agreed for this. But till today I have never received the insurance card. But regularly I am getting call from ICICI credit card call center to pay 14000 as on today. Regarding this I made a complaint to customer care last year( With great difficulty I could reach a person for complaint, since no one used to respond properly) I was given a complaint number and told they will get back to me within a week.But it never happened. Till today i am continuously troubled by those people now and then. They all speak without any decency and it gives me lot of mental torture as Iam a professor having tight schedules. Look in to the matter at the earliest.

Hi
I Rajani Vemula, Having Credit Card in ICICI Bank and the # is [protected].
In July 09 I made a transaction of 56,450/- using this Credit Card and I paid the amount through Cheque on 18th August 09 and I received an email on 19th August 09 at 7:36AM saying that ICICI Bank received the funds. I checked the amount in my savings account it was debited and checked in the ICICI Credit card account and it was credit successfully. I checked all these account at 10 Am. And I got a call from customer care and asked that the payment and I said that I paid the amount and she confirmed that she received the payment and said sorry for calling.
And in the September month bill the amount around 49000/- around I received and I called to the customer care on 08th September 09 regarding this and the person call Rajesh said that there is a problem in cheque so the cheque was returned and the interest for that also calculated.
I don’t know that the cheque was returned and I didn’t get any type of alert that the cheque was returned, then Rajesh said that madam you please pay the used amount and intimate us then we will waived off the interest charges.
And I paid the amount on 16th September 09 and 22nd September 09)I called to the customer care again and the person called Prasad was handled the call and he was asking me that I am the responsible for this and He was asking me that why you didn’t keep on checking the savings account? My doubt is how many times we have to check the account per day? We don’t have any other work?
And the proofs saying that the amount was credit to the credit card account and debited to the savings account? And he was saying that it’s not possible to waive off the interest charges.
What I have to do now?
And today again they sent one more bill added the interest of 1100/-.
Please look at this issue and help me in this regard.
I tried to so amny times to sent a email compliant but the email complaint is not accepting. Every time it is saying that "please try after some time"

and I am attaching the screen shots of credit card statement , My HSBC Savings account, the mail which I received from ICICI and my mail box showing that I didn’t receive any mail after that from the ICICI customer care.

Thanks
Rajani Vemula

Hello Sir,
I have got some problem from icici credit card in 2007, i didn't know that they have given me an insurance on my card, that time i have changed my residence so i was not getting any bills, as i was not using the cards i didnt feel like changing my address for credit card, but in 2008 i applied for a personal loan which got rejected, the reason they says that my credit information is not correct, then i requested them to please provide the complete information, they says me that i have some problem from icici bank credit card. then i contacted icici bank credit card, even i have not done any insurance purchase i paid them the complete amount whatever they said me and got the reciept and full and final settlement letter, but after that also i am getting rejections from any loan. recently i requested from CIBIL about my CIR, they sent it and i have seen that for icici bank credit card it says the status as written off, it clearly says that i don't have any amount due, but status is written off. is this the reason i am not getting any loans?? please suggest me some solution to get the loans and how to get the status as normal, i am not finding any way. please help me out.

regards,
Narendra kumar

I am sorry to say that the ICICI bank has transferred all the points I had earned to i-mint which is unaffordable site which asks for registration thru SMS to ilink which when sent, a long number is received, with the help of which when feeded for registration, the expiry date of imint card, and CVV no. is asked, what is this nonsense that CVV no. which we are not aware is being asked, all bull and looks like a business in dark. Help me out if possible.

I came to know this thru SMS (Dt 27/09/2009) from ICICI bank that the transaction hv been taken place for Rs. 7828/- , RS 5838/ Rs 11138 Dtd 27/09/2009
on my credit card for Egee go travel without my authorisation. I have never been to this site before and never made any online transactions or swiped my credit card at any of your offices if you have any. The matter is with my credit card company .My cell no is [protected] , [protected].

U can contact me on this number.

Good Afternoon sir,

This is Prashant Agarwal from Pune, Maharashtra. I want to register a complain regarding the behaviour of your recovery officer Mr, Mahesh and Miss. Anannya from bhandarkar road, pune branch.
sir, i promished him to pay my credit card money on 25th of sep but due to some reason i didnt pay the money on 25 th of sep.Even for that i made a call to mr.Mahesh and told him that i want two more days to pay your money as i was not able to pay on 25th of sep.
But he didnt listen anything from my side. He came to my place and abused me alot and even he picked me up forcibly from my flat to afraid me.
His behaviour was not proper while dealing with me.Sir i am also a human being but he treated me in a different manner.He threatened me alot and said to me that it will become a personal matter. His conduct was like a hooligan and ruffian person.
Sir, i want you to take strict action against Mr. Mahesh and Miss Ananya as it could result in hampered your organisation's image.

Thanks
Looking for a favourable response.

Prashant Agrawal
[protected]
E-mail:prashantagrawalway2wealth.com
[protected]@yahoo.com

Respected Sir,
This is Raju Das has resigned from ICICI Home Loans Kolkata on 15th June'2008 and have submitted all formalities regarding my PF commitment. I have already known abount my PF claim status that all documents are submitted in Mumbai PF office in the month of Jan'09. I was an employee of I-Process Services India Pvt Ltd which is a subsidiary concern of ICICI Bank Ltd.

I request to you that you take immediate steps to release my claim as earliest as possible as per rules & regulation.
Thanking you.

With Regards
Raju Das
E-code - C15562
PF No. MH/47808/14402

I HV TAKEN A LOAN AMOUNT OF RS. 1,20,900 AROUND ONE YEAR BACK, AND AM REGULARLY PAYING MY EMI'S. BUT IN SEP. MONTH THIS YEAR I HV MAKE A PAYMENT OF RS. 12,00 BY CHECK AND REMAINING 65OO BY CASH IN THIER BHIWANI (HARYANA) BRANCH.

BUT ICICI BANK SAYING.. THEY HVNT RECEIVED THE PAYMENT, EVEN AM HAVING BANK CASH RECEIPTS WHICH I ALREDY FAX IT TO THEIR CUSTOMER CARE OFFICE, BOMBAY..

BUT ICICI- BANK IS DISTURBING ME MENTALLY AND EMOTIONALLY.. FROM LAST COUPLE OF DAYS, PLEASE TAKE NECESSARY ACTION SO THAT THEY SHOULD NOT DISTURB ME ANY MORE. EVEN I GAVE THEM WARNING MANY TIMES, 1ST INVESTIGATE INTERANALLY WITH YOUR BRANCH'S THEN CALL ME UP,, AGAIN THEY PEOPLE KEEP ME CALLING..


as i also fax the cash receipts to them.. plz take necessary action and put them an heavy penallity and i will sue them for rs. 10,00,000 for keep me disturbing every day, even i hv make timely payment


MY LOAN AC: [protected]

CONTACT DETAILS:-

RAJENDER KUMAR
MOB:[protected]
EMAIL: [protected]@gmail.com

I purchased merchandise worth Rs.95800 in the month of October 2008 using ICICI bank credit card. I didn't receved any statement from bank for the same. I thought that my purchses would amount to around Rs.94500 and paid Rs.95000. Every month I used to pay 10days before due date. Same way that month also inspite of due date being 30th Nov I paid the amount (Rs.95000) on 21st Nov. After expiry of due date I received marketing call from credit card department and then i requested them to send me statement. Then they sent me statement on 10th December. In the next months statement I have been charged interest of Rs.3600 for not paying Rs.800. That too because of non receipt of statement.

Then I called up and explained the regarding the same but they never tried to reverse the interest. After that I had to go to bangalore on official tour for 3 months and couldn't contact anybody regarding this.

Again on 31st April 2009 I received a letter from banker stating that "If I am not going to pay credit card dues within 7days from the date of receipt of that letter my savings account would be leined for this payment". On 5th May 2009 I made a deposit of Rs.24000 for my personal loans EMI to savings bank account. But banker has deducted that amount for credit card and I was made defaulter for personal loan EMI also. Apart from that bank has sent collection agents to my home and threatened my family members. Even after me paying my personal loan EMI also they came regarding that to my home. Then I called concerned manager and informed about the incident. He was simply saying that they might not aware of payment.
I paid Rs.1500 more than my credit card amount that I have bought while paying personal loan amount. But now they are saying that I still need to pay Rs.6500 for credit card and harassing me over phone for the payment of Rs.6500.
More over my name has been updated in CIBIL and when I applied for credit card of Kotak, they've rejected my application because of this.
I urge you to consider this case and do me justice.