ICICI Bank Complaints & Reviews

Dear All

This pertains to the Settlement for my ICICI - AMEX credit card [protected] ref. nos. ICWE1MUM/032009/32180/4

I had solicited the settlement in March 2009 and as per the requisite conditions made the payment of Rs. 36000 in installments completing in June 2009. Details as follows

1. Cash Payment of Rs. 2000 [22/03/2009] - Receipt nos. C[protected] dated March 22nd 2009 - collected by Siddhi Business Solutions.

2. Chq Payment of Rs. 2000 [Axis Bank 202640 dt. 30/03/2009] - Receipt nos. C[protected] dated March 22nd 2009 - collected by Siddhi Business Solutions.

3. Chq Payment of Rs. 8000 [HDFC Bank 471972 dt. 02/04/2009] - Receipt nos. C[protected] dated April 01st 2009 - collected by Siddhi Business Solutions.

4. Chq Payment of Rs. 12000 [HDFC Bank 471973 dt. 02/05/2009] - Receipt nos. C[protected] dated April 01st 2009 - collected by Siddhi Business Solutions.

5. Chq Payment of Rs. 12000 [HDFC Bank 471974 dt. 02/06/2009] - Receipt nos. C[protected] dated April 01st 2009 - collected by Siddhi Business Solutions.

According to the settlement conditions; all these five transactions were to be considered towards the settlement of Rs. 36000.

In June i received a statement which still did not reflect the 'zero balance' as per assured at the time of settlement in March 2009.

The discrepancy was pointed out by me on a number of occassions to ICICI Bank Customer Care call centre, who reassured the same would reflect after 45 days of the settlement completion...i.e. 45 days after June 02nd...i.e. July 17th 2009.

1. Complaint on June 16th 2009
2. Again on July 04th 2009 – SRN[protected]
3. Again on Sept. 24th 2009 – SR[protected]…asked to chk after 08th Oct 2009 – Mr. Deepesh and Mr. Sandeep
4. Again on Oct 11th 2009 – SR[protected]
5. Again on Oct 27th 2009 –[protected] – Mr. Uday

I got a rude shock when ICICI collection team [Mr. Naresh Shetty] called back on Oct 27th 2009 – claiming that the settlement had gone void due to non payment of the settlement amount of Rs. 2000...this was also confirmed by the call centre saying that the cheque payment on March 22nd was considered but cash payment on the same day was not.


Two Discrepancies with the collections:

1. All the four chq payments have been cleared from the respective account. Also though the initial cheque and cash payment was collected on the same day…still only the cheque payment was accounted and the cash payment was not account. I had initially pointed the same to Mr. Shakti Hadkar of Siddhi Business Solutions – collection Agency…but he had reassured and had me talk to some of his senior to get the settlement done.
2. The May 02nd cheque was banked late by ICICI bank and funds collected late and hence it showed a violation of the settlement. This logic was given to me by your customer care centre. The onus of the cheque being deposited lies on the bank.

ICICI collection Agent Mr. Naresh Shetty [[protected] / 66493417 / 66493494] was very rude to begin with and used threatening language.

The Bank is not willing to give in writing the stated reasons as to the status of the settlement and has been dragging its feet since June 2009

regards
Swapnil Kamble
[protected]

Hi,
My Friend took Personal Loan from ICICI Bank, in which I was co-applicant, and primary applicant was my friend, ICICI bank disbursed the full amount of personal loan to my friend which was not in my knowledge because there was delay in certain process and it was almost that ICICI will not issue loan.

Later, due to delay in payment of few installment by my friend as per agreement, ICICI bank didn’t approached me and neither sent me any information / communication about non-payment or delay in payment in regard to personal loan even though myself being me as co-applicant / guarantor as per agreement, instead of contacting me or sending any communication to me, ICICI bank reported my name with CIBIL as defaulter.

Now, the above loan is already paid-off / settled is completed on 05-DEC-2008 also “NO DUES CERTIFICATE” was also issued to Main Applicant on 21st March’2009, a copy of same is with me, “ICICI Bank is no ready to issue “NO DUES CERTIFICATE” either with joint name and nor to me.
I requested ICICI bank to update CIBIL, but nothing is done till now, as per CIBIL report issued to me in March’09, total outstanding is over 1 Lac.

I have following question and looking for answer for those:
1. Complete Recovery process of ICICI bank.
2. Complete process on how and when information is sent to CIBIL?
3. ICICI bank reported to CIBIL about negative information when 2 installments were not paid, whereas they have not reported to CIBIL, when my friend started paying the installments again.
4. Now the Loan is already paid-off as one time settlement, what is the responsibility of ICICI bank to get it updated in CIBIL database?

If someone can share with me complete details, maybe some documents / guidelines RBI might have issued or CIBIL might have issued which these bank are bound to follow, which I can give it to ICICI and get things fixed, because right now I am running from one corner to other corner and nothing else, none of the staff at ICICI is helpful because every person speak his/her own and no one ready to give in writing.

Looking forward to your kind co-operation in the said regard!

Regards
Sachin

Hi,

I got the email statement which shows, its a "CHEQUE RETURNED"

Statement was showing that "CHEQUE RETURNED" in the statement, first I was shocked and kept thinking how can cheque be returned because I have not issued any cheque in favor of ICICI credit card amount to Rs.10000/- (Ten Thousand Only) for last 9 months or more nor asked anyone to issue a cheque for my credit card which can be returned and as per RBI guidelines any cheque issued is valid for 6 months only, No one from bank informed me and try to explain me about same, the most sad part and ICICI Bank mentioned "CHEQUE RETURNED", ICICI Bank would have used any other description that would have been appropriate and stand valid, even asking for the copy of cheque returned, no one gave the cheque copy nor respondent back in correct manner.

Till 06 days from the email sent there was no reply to email, and on 03rd Oct'09, I again initiated the call & I spoke to phone banking officer and then I got the first reponse and later in the day Naveen Kumar, Customer Service Officer from ICICI bank I got the first reply via email as well and then first time it came to my knowledge that "its rectification of double credit wrongly" and till that time due date has already lapsed.

Till 03rd Oct'09, I was very sure, its a technical issue and its Not a "CHEQUE RETURNED" because if I have not paid any cheque, so how can it be return.. and it will result to statement issue, after telecon, I simply asked for the letter for clarification and via email also I asked for letter.

I responded to email on 05th Oct'09 and got second response again from Naveen Kumar, Customer Service Officer, ICICI Bank Limited who was handling this ticket that I will receive the email by 07th Oct'09, after receiving no reponse from ICICI bank customer care department till 09th Oct, 2009, I sent the reminder in afternoon on 09th Oct. 2009.

On 10th Oct'09 I receive the email the letter requested will be sent and it will take 10 days to deliver, I was very positive that issue is resolved, but letter received was not to satisfaction.

After receving the letter, on 19th Oct'09, I replied again with request for letter and then constantly followed up on email on 20th Oct'09, 21st oct'09, 22nd Oct'09 and 23rd Oct'09, I didn't received any response for 5 days, whereas reminder was sent daily to resolve the issue and close the matter.

On 22nd Oct'09, I received a call from ICICI bank payment recovery and I explained everything to her and the she connected me to customer care department, after speaking to her I felt that this call is like a threating call from ICICI bank to make the payment or else, which I reported via email to customer care, but never received the response nor apology till now.

On 23rd Oct'09, I visited the ICICI Bank, Sec-8, Rohini, Delhi and where executive connected me to customer care and one lady was supporting and told that its a technical issue at ICICI bank and they will help me to fix it and assured me to Issue letter.

But after speaking to you today in afternoon and with below email from you today is very clear that ICICI bank and already reported to CIBIL and again has totally tarnished my credibility, with no fault of myself.

Can anyone help me with giving me problem guideline!

I searched the entire web and didn't found anything on Process of CIBIL or Guidelines to Bank on reporting to CIBIL.

Looking forward to see the quick reponse, next due date is 29th Oct'09 and I am keen on resolving or closing before 29th Oct'09.

Regards
Sachin

I want to register a complaint against ICICI bank credit card department with the following explanation:

1) On 18/11/08, I had paid United airlines the necessary fees using my ANZ bank visa card for them to issue me an air ticket booked using my frequent flyer miles. Earlier, I had tried to pay this charge using my ICICI credit card, but when United informed me that the charge with ICICI didn't go through, I paid the same using ANZ visa card.

2) However, what happened was that United ended up charging me the same amount on ICICI card as well as on ANZ card. Thus, there was a DOUBLE billing for the same single charge. Since, the ANZ card was a debit car, the money was instantly taken away from my account and so, I contacted United and epxlained them about the double billing. However, United didn't respond and so, I had to contact ICICI to get the double billing charge reversed.

3) I had contacted ICICI back in December, provided them all the necessary documents about double billing and they eventually credited my account in late Jan. 2008. They mentioned that it can take upto 90 days for them to investigate the case after which the credit may be permanent if merchant (i.e, United) didn't provide proof on how the charge was valid. Even after the end of April 2008, there was no explanation either from ICICI or United and so, the credit posted by ICICI to my account in Jan 2008 was deemed permanent and mattter was closed.

4) However, to my surprise, ICICI re-charged the amount back to my account on 15/09/09, i.e., after 270 days, without any proper explanation. After several communications that failed to explain them that this was incorrect, they sent me some form of document from United, which was INCORRECT. I brought this to their notice at least 10 times an sent them the proof of DOUBLE billing, which they purposefully didn't acknowledge and kept replying me that the matter was resolved in bank's favour.....

5) What ICICI has done is against visa laws which states that disputed transactions need to be resolved within 90 days. Also, they re-charged my account after 270 days of initial credit without providing correct proof and dis-regarding the evidence that I sent from my side. All my telephonic calls to them from overseas (I am currenty outside of India) falled on deaf ears as well.

6) I want to register a complaint against ICICI bank credit card department for mis-use of their authority and for charging my account incorrectly against visa laws.
I have the necessary proof to prove my case and will really appreciate the concerned authority to take my complaint and deal with them.

Thanks and regards.

Yogesh Jaju

As there were Transaction Disputes of Rs. 2000/- to my Credit Card Account (No.-[protected]) which had never been resolved by the Concerned Dept. of ICICI Bank, I had also tried to send the related documents as proof but ICICI bank rejected the same just saying that the dispute period was over and hence the matter remains closed.
Now that of the Disputed Amount of Rs.[protected]/-, I had already paid Rs. 6434/- on 24-April-2009, my ICICI Credit Card Account has not been closed despite my request.
When I again enquired about the same through their Dispute Settlement Branch (ICICI Bank, Sector-8, Rohini, New Delhi), they say they are helpless.
ICICI Bank employees of that Rohini branch also confirmed that ICICI Bank always had the motive of Ruining the credit history of Innocent Customers.
Please look into this issue as ICICI Bank doesn't respond to calls or mails through Customer Care too.

Even i have the sufficient fund in my account the bank as returned the cheque.

Sir/Madam. This incident happened with me on 13th oct at my home town - agra.I was to receive a personalised chequebook from icici bank. When your delivery boy mr.mirza jamal ahmed came to deliver the same, he refused to accept my defence identity card as a valid proof of identity and asked for pan card / dl/ ration card instead.It was indeed rediculous! I tried to explain him that a defence i card is rather more authentic than any of the others, which may easily be forged. He did not agree and added that "as per conditions quoted by icici bank, a defence i card is valid only within the defence campus and since i was on leave it had no value". Upon this, i spoke to your AOM (agra) mr sharma. I was amazed to learn that this ignorant gentleman holding the portfolio of an AOM, agreed to what mr jamal said and further suggested that if i would give him a photostate of my i card in question, he would give me the cheque book. I told him that i was bound by law not to give such a photocopy and that i did not have any other proof, as asked for, at that point of time. An arogant mr sharma would just not listen!! Helpless, i had to search for pan card and after about an hour's search and humiliation i could finally get hands on my chequebook. When i took the issue up with the branch operations manager at icici sanjay place agra, he appologised and said that there were no such instructions issued by the bank. Request,educate your staff to prevent sufferings to customers!!

________________________________________________________________________________...⇄
I recharged through ICICI Bank netbanking this morning for my Reliance & Airtel prepaid mobiles.....still now theres no update....please tell me what to do??



ICICI Bank
Name: ArijitGoon
Account Number :[protected]
Branch Name : 6239

Transaction ID: SB5798333 BIL/[protected]/0524/[protected]/[protected] Rs. 100 (Reliance prepaid recharge...phone number: [protected])

Transaction ID: SB5799634 BIL/[protected]/0117/[protected]/[protected] Rs. 100 (Airtel prepaid recharge...phone number: [protected])

On Aug 25th I used Indian Overseas Bank ATM, (Radhanagar Branch Chennai) to withdraw 800Rs using my ICICI debit card. There was a small delay in taking the money from the ATM. The ATM machine took back the money that I dispensed. I thought the money would be returned to my account automatically.

I registered a complaint with ICICI bank customer care on Aug 26th (Complaint Number SR[protected]. The phone banking officer informed me that I do not have to inform this to IOB bank. ICICI bank will follow up with IOB and return my money in my account. The number of days to resolve this he said was 12 days. So I waited for the 12 days and subsequently did not check the credit of the money until 1 month.

When I called up the Customer Care on October 15 or so, the bank people say that the transaction was SUCCESSFUL.

When I have not received MY Money how can the transaction be successful. After repeated shouting with ICICI people, there is NO positive response from them. They keep on saying the same stupid words that your transaction is successful !!!

I'm demanding my Money back, there is no one to hear my complaint from the bank. How can a bank ATM take back the money and NOT return it back to a account. How can IOB bank ATM cannot document what is returned back to the ATM !!

I have done a transaction in my ICICI NRE Bank A/c no[protected] to SBH Account number Rs.16500/-dated 06/10/2009 through NEFT with following manners.

Beneficiary Name: Raghavendra Chary
Beneficiary's account number: [protected]
IFSC Code : SBHY0020921

Transaction Value Date: 06/10/2009
RBI Reference number: RBI[protected]
Amount: Rs.16500

ICICI Bank RESPONSE IS We find your fund transfer through NEFT is successful.And they gave me RBI transaction reference.

SBH BANK RESPONSE IS We have not yet received the fund. And we have no idea to track the transaction using the RBI reference number.

How can i contact RBI using this reference. Any one can help me to track the transaction using this reference number.

since transaction to till today the beneficiary didnt receive amount
I am not understanding that it is passed around 15 days
and how more time banks will take to sort out this problem.
I am very sad this type of banking.

I request you to please help me on this issue

Dear Sir



Requestfully I beg to say that I have 100 scrip of Arora Fibers and 100 scrip of Rubfila International ltd. Now I want sell this scrip but I did not sell please sell my scrip and solve my problem.



Thank you

Jai shree

Demat a/c no.[protected]

Treading a/c no.-[protected]

Mo. [protected]

I availed the cash loan of Rs. 248000/- on 28/10/07 thru' Card # [protected].

I paid 21 instalments. The O/s amount after 21st instalment was Rs. 160762.58.
A pre closure fee of 3% on O/s amount was mentioned to me while availing the loan.
Thus, I should have paid Rs. 168742 ( 3% on 160742, 1.5% for a months' interest).
But, the bank demanded from me to pay Rs. 171160/- asking me to pay the 22nd instalment + one month's interest and 3% pre closure fee.

I have paid Rs. 171160/- as per their demand. But I think they have charged Rs. 2418/- in excess.


Please do let me know if you could help me.

I can furnish additional details if you so desire / require.

I have already given the details to Jago Grahak Jago vide their ref. no. 196549.

Regards,

Dr. Jayshree Shukla

Hello Mam/ Sir,
This is in reference to the payment done from ICICI bank website, for the Prepaid Reliance gsm Mobile Recharge on 20 Oct 2009 of 100.00 Rs.

But till now netiher the recharge is done nor I received any message.

Here is the Payment details:

Payment Id [protected]

Amount (Rs) INR 100.00
Date of Payment 20 Oct 2009
Debit Account[protected]
Payment Status Success
Payment Remarks 1108

Looking forward for the positive response asap.

Thanking You.
Regards,
Deep Banerjee

Respected Sir,
I am a credit card account holder of ICICI and my credit card number is [protected], since few months back the bank has stopped to send my physical credit card bill statements to me, all of sudden now the bank has stopped to send my bill amount and the due dates on my mobile. This is embrassing me alot, with informing me they have stopped all the things. For a customer this is very embrassing thing without knowing the bill amount and the due date how can a customer can submit his outstanding amount in due date. As I have seen my E generated statement it is showing the late fee amount and intrest on non paying amont etc... I dont want to pay that all amount as I am not in fault. This is totally the banks fault that without informing me they have stopped to send my physical statements as well as the moble prompts. Now I want to settledown this issue as early as possible and i am not going to pay any amount untill this issue settles.

Thanking You,


Your's Faithfully

K Ashok Kumar

I had deposited a cheque in ICICI Bank Branch on the 5th of October 09. However, the same is not credited to my account even as of 20th Oct 09.

The bank does claim that for any outstation cheque to get realised it takes maximum 7-10 working days but the same if way past. My festive season has gone waiting for this cheque worth Rs 49990/- issued to my by the Income tax department.

Request help

Sir,

I had a Fixed Deposit of Rs. 50000.00 in ICICI Bank Bund Garden Branch Pune which was opened on[protected]FDR A/C No.[protected] having Maturity value of Rs. 55859.00 on maturity date[protected]. On[protected] when I approached the bank for taking out the maturity value, the bank official told me that I can not withdraw full amount as the FDR is linked with the locker which I possess in ICICI Bank Bund Garden Pune. While opening the FDR, it was not told to me that FDR is linked with the Locker. I am regularly paying the locker rent separately.

However on the suggestion of Bank personnel, I gave given my instruction to Bank for issue of FDR of Rs. 10000/- for a period of 5 years and credit the balance amount of maturity proceeds (Rs 44859/-) to be creditin my SB A/c[protected].

Sir my complaint is : Though 9 days have passed, the bank has not taken any action ed to issue fresh Fixed Deposit and credit the balance money to my SB A/C.

I tried vto contact the customer support many times but their automatic voice system putting me one person to second, second person to third and so on. I could not get any fruitful result. Please help me.

Sir,
My dmat account No.[protected] is with your bank and my login ID is VENKALXJ. I had forgotten my password and I have been requesting for providing the same to me for past 3 months. Whenever I approach your executive on phone, the answer is the pin mailer was sent thru first flight couriers. But I have not received a single cover from the said couriers. Due to improper/inefficent service of a courier, I am unable to operate my account for the past 3 months. As such, I request you to initiate immediate remidial action not only to provide my password urgently duly ensuring proper delivery to my correct address but also to check up with your couriers.
Thanking you,

Yours sincerely,
P.VENKATESWAR.

I am having ICICI saving account no. [protected] & also having credit card no. [protected]. Due to outsatnding balance of my credit card bank has wihheld my saving account. My credit card outsanding balance as per credit card statement dt. 27.09.2009 is Rs.8856.40 and due date was 15.10.2009. Therefore immeidatly I deposited cheque no. 67588 dt. 03.10.2009 of Rs. 8856.40, in responce to the same bank has communicated me through e mail 1) dt. 08.10.2009 that, " We inform you that according to our records we have received the cheque payment of Rs.8856.40 with cheque number 657588 on October 08,2009. Once the chqeue is cleared your savings bank account will be unblocked in 3 working days". 2) Further, bank through e mail dt. 09.10.2009 informed that,
"We have received your cheque (cheque number 657588 ) of Rs. 8856.4 on[protected] for payment towards your ICICI Bank Credit Card account 5176 XXXX XXXX 8003" . 3) In this context, further bank says that, "We regret to inform you that your cheque 657588 for Rs. 8856.4 towards payment of your dues on your ICICI Bank Credit Card no 5176 XXXX XXXX 8003 has been returned by your bank. We request you to arrange fresh payments immediately" .4) Bank has also infomred that, as on We inform you that the cheque payment of Rs. 8856.40 with cheque number 657588 was returned stating insufficient funds in your savings bank account. 5) Bank vide emial dt. 12.10.2009 informed that, We request you to make the complete payment to unblock the savings bank account. The total outstanding balance on your credit card is Rs. 9,132.15 as on October 12,2009. However, I received the credit card statment dt 27.09.2009 wherein due balance is only Rs. 8856.40 and due date is 15.10.2009. i had paid the total due amt as per credit card statment and before due date and when my saving balance having sufficient balance to clear the cheque of Rs. 8856.40.

My question is that, 1) without quoting any specific reason how can bank returned my cheque, when my saving account in question having sufficient balance as on 03.09.2009 to till date for cleared the cheque of Rs. 8856.40/-. 2) Bank once communicated for received of payment and then communicated returned of cheque without stating any valid reason 2) Whether bank can blocked my saving account for outstanding credit card payment 3) Inspite of issuing cheque of total outstanding amount due as per statement dt.how can bank withheld my saving account till date 27.09.2009 and before due date i.e. 15.10.2009, how can bank says not having suffcinet balance.

ISSUEING NUMERIOUS EMAILS AND CUSOTMER CARE CONTACT BANK HAS NOT YET FINALISE THE ISSUE CORRECTLY.

PLEASE ARRANGE TO PROVIDE NEW ATM CUM DEBIT CARD TO ME AT THE EARLIEST. THE DETAILS ARE GIVEN BELOW.
NAME: N.V.S.R.G.JAGANNADH
DESIGNATION: JR. ASST.,
DEPARTMENT: MARINE DEPARTMENT
EMPLOYEE NO.PEM017099
ORGANIZATION: VISAKHAPATNAM PORT TRUST
SAVINGS ACCOUNT NO.[protected],
BRANCH: DWARAKANAGAR MAIN
PLACE; VISAKHAPATNAM

I HOPE YOU CAN ARRANGE NEW ATM CUM DEBIT CARD WITHIN ONE WEEK

THANKING YOU

JAGAN

I HAVE NOT RECEIVED MONEY FROM ATM WHICH WAS DEPOSITED ON 9TH OCTOMBER,