ICICI Bank Complaints & Reviews

[protected] IS THE CREDIT CARD NUMBER.I HAD PAID MY CREDIT CARD BILL AMOUNTING TO RS. 42000 IN MONTH OF JUNE.THE TOTAL CREDIT LIMIT OF THE CARD ITSELF IS RS.41000.EVEN NOW THEY ARESENDING BILL STATEMENT WHICH HAS REACHED RS. 4767 AS THEY ARE SENDING FINANCIAL CHARGES.I HAD ALREADY STOPPED USING THE CARD SINCE JUNE.AND I TOLD THEM TO STOP THE CARD.

I have savings account in ICICI Bank, Brabourne Road Branch, Kolkata.

When I opened my savings account with ICICI Bank in 2003, my QAB was Rs.5000/- (Rupees Five Thousand Only). ICICI Bank never informed me about the increase in QAB from Rs.5000/- to Rs.10000/- (which I came to know only while calling to ICICI Bank Customer Care today).

Without informing me anything on this increase in QAB, they are deducting money for QAB Charges in every quarter from Oct-2008.

When I called ICICI Bank Customer Care, they were reluctant to take my complaint that ICICI Bank never informed me about this change in QAB and also did not take my request of giving me back the amount deducted for QAB charges in every quarter since Oct-2008.

I think ICICI Bank is doing fraud with their customers and unnecessarily harassing the customers on the fault for which ICICI Bank is only responsible.

I want to get all the money deducted from my ICICI Bank Account because of this QAB Charges as ICICI Bank never told me or informed me in any letter about this increase in QAB.

If required, I would produce proof of evidence about this and ready to take this matter to Consumer Court.

Without my instruction & knowledge, how can you debit from Savings bank account ;

Debited amount is not pending from end (purchased amount not pending from my end)
Instead of n # of times explained you guys nobody is able to understand the pending amount in my CC.
Entire CC amount pending towards Service tax, late fee charges & etc.., (which is on action our end.
Never excepted this kind of HARRASMENT on ICICI account holder's.
ICICI is troubling my life... thru calls, courier, mails, sms day & night.
Giving all false/bogus instrucitons to close the account. (even after making the final payment & still showing pending balance then debiting to my SB A/c).
Really sham on ICICI customer service.
Reveal this to whole world to avoid the transactions with worst ICICI customers looting bank

Harish S Kumar
[protected]

Dear Sir,

I had been using ICICI credit card since last several years. On my credit card I was availing the electronic payment facility of three numbers o[censored]tility bills (one MTNL, one NDPL and one Idea Mobile) through credit card. My earlier card number was [protected] which was valid up to March 2009 and on which the Annual bill charges of Rs. 100 and Billpay charges- Gold of Rs. 75 were charged in the month of January, 2009, reflected in my credit card statement dated 19/02/2009. (copy can be produced as reference).

The above said credit card was renewed by ICICI with a new card of validity from March 7, 2009 bearing number [protected] and ICICI was electronically debiting the spent amount on my new credit card from my same bank account as it was debiting earlier electronically.

In the month of April 2009, I found that my bills have not been paid through my credit card and the phone facility was withdrawn on my land line MTNL number. When I contacted customer care official of bank, I was told that the bill payment facility can be activated further on my request and
I have to pay the unpaid bills and the penalty at my own.

I would like to submit that I was receiving regular messages on my mobile that the bills will be processed through my credit card. The details of the messages is given as below:

Message received on 04.05.09 that the Idea bill will be processed on 13.05.09
Message received on 19.05.09 that the MTNL bill will be processed on 29.05.09
(if desired, can be produced as reference)

I was really surprised to note that in spite of charging annual fee on my credit card for the bill payment facility for the whole year and regularly sending messages from the bank system for processing bill payment as usual, my MTNL, Idea & NDPL bills were not paid and I was deprived with the facilities by MTNL.

Even after my regular follow up with the bank officials, I could not convenience them and finally I stopped all the transaction on the ICICI credit card because I do not want to continue to be a credit card holder of such a bank who does not listen to his customer and put them in all sorts of troubles. I sent them written request for canceling credit card immediately from May 26, 2009.

On receiving the message from ICICI bank, dated May 27, 2009, for deactivation of the visa bill pay facility on my credit card [protected], I requested to the bank to kindly reverse the annual fee charges of Rs. 175 imposed against the bill payment facility reflected in my credit card statement of 19/02/09 as I could avail this facility only for three months from January to March. The annual payment was made with the intention that I will avail this facility throughout the year but unfortunately I could not continue due to nonpayment of bills for the month of April, 2009 onwards. Due to the non-payments of these bills I got penalized financially as well as deprived the facility by the service providers like MTNL.

My request for reversal of annual bill pay charges of Rs. 175 levied for the visa bill pay services was duly accepted by the bank, vide their e-mail dated May 29, 2009, confirming the reversal within 8 working days.

In spite of my regular follow up with the bank, I could not get my money back till date and recently in their last communication, dated August 20, 2009, bank has showed its inability to process my request for reversal of bill pay charges levied as an annual fee.

I would be grateful if you kindly look into the matter and allow getting me the justice in the form of reversal of my hard earned money from the bank. I hope that the financial loss and mental harassment I encountered during the last couple of months should also be compensated appropriately and the justice will be provided to the consumer so that such bank like ICICI would not take such a liberty to dare to deceive their clients in future.


Looking forward to have your kind consideration on my complaint.


Thanking you


Dr. Ajay Kumar
Grieved Consumer of ICICI Bank
A-5, Shriram Institute For Industrial Research
19, University Road
Delhi 110007
Ph.[protected], Mob. [protected]

Dear Sir / Ma'am,

MySelf Vikas Chauhan, From Delhi Itself, I have a major issue with ICICI Bank and right now i am very much fed up because of my financial condition is not good and above that ICICI bank had deducted 827/- Rs. from my saving account without any information or intimation to me. This is purely a theft made by ICICI Bank.

I have a saving account with ICICI Bank from last 2 years; recently I had deposited 10, 000/- Rs. Cheque in my ICICI Bank account, today when I checked online I found that ICICI Bank has deducted 827/- Rs. from my account. when I checked with ICICI bank they told me that they charged me PrivilegeQABChgs, Oct-Dec08+ST. that’s why they have deducted the amount, when I asked with ICICI representative that how come you got to know that I am a Privilege account customer as when I open the account from very first day I have a regular saving account with zero balance facility. Customer care told me that I have never gave any request regarding upgrading my account to privilege account, they said that yes you never gave us any request then how can icici people do this. This is the just a harassment to me.

Here my issue is:
1. How come they can deduct any amount from my account without informing to customer or to me?
2. I have a regular saving account with zero balance facility, I have never applied or requested for privilege account.
3. This is purely a theft made by ICICI Bank.
4. Here I feel, Bank can do anything for the sake of their own benefit or their own purpose, where as a customer we have to run around number of time to the number of desk.
5. Why ICICI Bank didn’t contacted me that they are going to deduct ‘x’ amount from my saving account, the same question I have asked with ICICI Bank representative, she told me. I always get a sms, they have my mail ID, and they have the address otherwise how come. Why they just don’t inform me.
6. I have just downloaded bank statement where after depositing 10, 000/- Rs in my saving account no transaction happened then how come account balance is in negative.

And finally, please be very cautious if you have ICICI Bank account (or any other bank account) anything can happen with you money.

ICICI Bank has deducted 827/- Rs. From my account easily, now for getting the same back (my own money) lets see how much struggle I have to do.

Sir / Ma'am i would like to please take this issue seriously and take an action them immediately.

God will help….? God knows….!

Regards,
Vikas Chauhan

I had closed my Car Loan OD Account No.[protected]‏ on 3rd August 2009 from Sector 61 Branch Noida (UP). As I wanted to get the NOC on new address, Bank Officer asked my to change the address first. I did the same and then closed the account. The bank officer confirmed me that I will get the NOC on new address, but its been 1 month and I have not received it. From ICICI Customer Care, I came to know that NOC is already delivered to my old address and has been received by somebody on 7th Aug and they cannot issue second letter.

First thing, I want to mention that nobody from my family has received it, as It was a rented house and I vaccated it on 4th Aug. Second thing, if this document is so confidential, how can it be delivered to anybody without seeing identity. Its a complete security breach and must be recorded as major security incident.

I have logged the complaint with ICICI Bank Customer Care several times but with no result. (Call logged on 19th Aug - ref No.[protected] and IInd call logged on 27th Aug -ref no.[protected]

My car is registered in Delhi and currently is in Pune, Maharashtra. To pay tax to Maharashtra Govt., I have to get Delhi RTO NOC and for that I need NOC from ICICI.

I am facing a major problems here and everytime I am caught by Pune Traffic Police, they challan me for Rs.1100.

Please look into this and try to sort the problem ASAP. I need NOC from ICICI ASAP on new address.

Hi,
I have salary account in ICICI bank, Secundrabad Branch. My account was hacked on 27-Aug-2009. The two transaction of 5000 and 20000 were done without my notice. Even the mobile number that I had registered for Mobile Banking was changed. I came to know about this fraud on 28-Aug-2009 morning, when ICICI customer care called on my mobile number to confirm about above two transactions. I have lodged a complaint in ICICI bank. Can any one tell me what are the chances of reversal of funds to my account.
What is the liability of ICICI bank for this type of fraud transaction?

Atul
+[protected]

I was shocked to understand that ICICI credit card division transfered all the points accrued to imint...without any intimation to me! Its very surprising that a leading bank which claims to be customer-oriented works in a such pathetic way. I thought it is alright with some programme or other as long as the points are accrued. But, many points doesnt get credited on imint account. Every time I travel by Air India, I ensure that the card number is entered in Air India system. But, the points are not credited. Imint have a variety of excuses to give. As there is no response, I have reduced my card spend on ICICI to minimum and switched to other bank.

Hello,

My name is Atzal Khan and my card no. is [protected]. My last transaction is 11, 063.00 I want to switch my transaction on easy 6 EMI and I call pune ICICI customer care office and he said we closed EMI facility. I think ICICI bank cheat all credit card holders. This situation what I do ? Please convert my transaction on EMI.

Thanks,
Afzal

I have a bank account with ICICI Bank including online banking facility.
ICICI Bank - Savings Bank Account NO:[protected]Name of Account Holder : Musali Narasimhulu)

On 26-Aug-2009, at 12 pm received a phone call[protected] from ICICI Bank and they enquired for the details about the online transfer of Rupees 100000. I have replied that, I have not done any of such online transfer to any one today. ICICI bank representative in the telephonic discussion told me that there was a transfer of 100000 rupees through my online account and it was a surprise note for me.

Immediately I called ICICI customer care[protected] and enquired for the above transaction details and found that there were two transactions of Rupess 50000 each. The amount has been transferred to the two account holders namely Auto Engineering Works and KGN Interior Decorators, as confirmed by ICICI Bank representative. I requested for lodging a compliant along with online transactions freezing and ICICI customer care representative told me that the ICICI compliant number is[protected]. ICICI customer care confirmed me that the request will be handled soon and fair feedback will be given within 3 days.

On 27-Aug-2009, i went ICICI bank, sector110, Noida and enquired about the details to whom the money has been transferred and found that the following were the receivers of Rs 50000 each .

1) ICICI Bank Account No:[protected] Current Bank Account
Santosh (Mobile No:[protected]
Auto Engineering Works
Navgar Road; VIraji Bhavan; Shop No-2
Opposite to naugarh lane; Mulund East;
Mumbai ; Maharastra

2) ICICI Bank Account No:[protected] Current Bank Account
Shabbir Mohammad (Mobile No[protected]
K.G.N. Interior Decorators;
B-401; Shaljida Apartments; Mahagiri;
KKRS ; Near Hotel Relen; Thanae; Mumbai; Maharastra;


With all this facts I would liketo bring to your notice that for the necessary investigation and kindly arrange to receive Rupees 100000 into my ICICI account mentioned above

Thanking you,

Yours sincerely,
Muslai Narasimhulu
Mobile No.[protected]

I took ICICI credit card in 2005 and I used to pay every month on time. I left India in 2007 and cleared all the dues and after 2 years some one sent me scraps in orkut saying that I am in the defaulters list. I responded to his scrap immediately. Instead of responding to my response, he keeps on sending scraps to all my friends in the orkut. I don't understand what kind of ethics these banks follow. Also, he is sending all my credit card information online where any one can view this. any one of you guys faced this kind of issues. I logged complaint in ICICI website about this abuse and waiting for the response. Is there any other better way to tackle this through online or consumer forums. thanks in advance...

I am an NRI from Abu Dhabi, who have lost 7.56 lakhs Rupees of my savings from my bank account in ICICI due to illegal / unauthorised withdrawals, April 23rd to May 22, 2009

The bank informed me, six weeks after my complaint, that the withdrawals are made from Russia using a forged ATM card.

Made a police complaint and produced all the factual evidence to proof that my ATM card is safe with me and I have not travelled to Russia at anytime, , I am still waiting to hear anything positive from the bank.

To date I have spent close to 40, 000 Rupees on phone calls to the banks customer service, risk department and to the branck manager.

It’s been three months now and all they can come up with is that “It is not the banks mistake” we are not responsible.

they don’t inform or call you when someone make Rs 25, 000 withdrawal for 30 consecutive days!!!

How could anyone forge your card without some information?
I only make deposits and no withdrawals.
I withdrew once in November 2008 using the card after activating my account through phone banking, as advised by the phone banking officer. Five months later these illegal withdrawals started.

what should i do next.

I wish to bring your king notice that i am receiving the threating calls from icici bank from last six months from number[protected], thay say that i am kamal sharma and i have to pay them Rs. 50 K as a credit card defaultor. But first my name is Naresh Kumar and i dont have any type of relation with ICICI nor with bank neither with credit card. I get a new mobile number in november ([protected]) after this i am getting the calls on regular basis and sms saying " Non pyt. on your ICICI Bank Cr Card XXXX3001 is spoilling your credit history. Pay total due of 48557.40 imdtly or our customer care and press 171". Rightnow i am really ferstrated with these calls and sms's. Please help me out

Thanks & Regards

Naresh Kumar
[protected]

HI ALL

I WOULD LIKE TO BRING IT TO ALL OF YOUR NOTICE, THE UNRULY, ROWDY AND UNPROFESSIONAL BEHAVIOUR OF ICICI BANK OFFICIALS.

I USED TO HAVE CREDIT CARD FROM BANK WHICH WAS ISSUED IN 2004 AND HAD A LIMIT OF 16000 Rs. IT WAS OK WITH FEW MONTHS AND AFTER FEW MONTHS BANK STARTED TO CHARGE FOR SERVICES WHICH IS HAVE NEVER AUTHORISED OR SOUGHT. REPRESENTATIVE OF THE BANK BY INTENTION OF FRAUD FILLED IN DETAILS IN APPLICATION WHICH I NEVER DID.

WHEN CONVEYED THE SAME TO BANK, BANK OFFICIALS TURN BLIND EYE ON THIS AND I WAS HARRASSED FOR YEARS BY BANK OFFICIALS, THEIR ROWDY COLLECTION EXECUTIVES AND ATTORNEYS WHO ARE ILLERTRATE IN ALL TERMS. I WAS LOOTED BY THE BANK FOR A AMOUNT OF 3000 Rs FIRST, AND WHEN I REFUSED TO MAKE PAYMENT BECAUSE THEY WERE NOT SORTING OUT THE PROBLEMS AND CHARGING ME ILLEGALLY, THEY PILED UP AMOUNT WITH BANK CHARGES TO HARRAS ME FURTHER.

FINALLY THEY OFFERED ME FULL AND FINAL SETTLEMENT FOR 20000 Rs IN 2 INSTALMENTS, OUT OF WHICH I HAVE PAID 13000 VIA CASH AND REST HAS TO BE PAID AFTER 15 DAYS.

WHEN I WENT THERE FOR MAKING REST OF THE PAYMENT, THE COLLECTION OFFICER BECAME GREEDY AND ASKED ME FOR MORE MONEY AS I WAS DELAYED FOR A DAY BECAUSE OF HOLIDAY. I WAS FRUSTRATED AND INFURIATED, SO I LEFT THE PLACE AND HE THREATEN ME THAT MY CASE WILL BE OPEN AND ALL THE THINGS WILL CONTINUE WHICH I HAVE BEEN FACING FOR YEARS NOW.

FINALLY I MADE A PAYMENT OF 10000 Rs AGAIN TO GET OUT THE CALLED CREDIT CARD FROM ONE OF THE BIGGEST FRAUD BANK IN INDIA.. THEY LOOTED ME FOR A AMOUNT OF 26000 Rs WHERE THEY HAVE ONLY PROVIDED WITH LIMIT OF 16K.

I WOULD WANT ALL OF YOU TO ADVISE ME OF ANY LEGAL ACTION AGAINST THEM AS I DONT WANT ANY OTHER PEOPLE TO SUFFER AS ME AND MY FAMILY DID.

I WANT CONCERNED RBI AUTHORITIES TO LOOK IN THE ISSUE AND HAVE SOME REGULATIONS FOR GOONS WHO ARE RUNNING THAT BANK WHERE THEY LLACK PROFESSIONAL COURTESY AND MANNERS.

THANKS AND REGARDS
KHURRAM MAHMOOD
[protected]@gmail.com

Note: please advise me in my case of any compensation amount which i can claim and any legal proceedings which could be materialized against them.

I am an NRI living in USA. Got duped by ICICI bank loan sanction depratment.

sub :Return of processing fee-NRI Home Loan Application No. [protected]‏ FROM ICICI BANK


1. My Loan was Pre approved for Land + Construction for 85 lakhs ON Dec 24 2007.
2 . I called Vishwanath Sajjala Loan Sanction officer on Jan7th 2008 to get the documents from builder.
3. Loan sanction officer gets back to me and says that they cannot sanction full loan becasue there is clause which says "if its past "6months" of registration then you cannot consider "land + construction" .
4. Now, my point is why this clause was not mentioned in the sanction letter? .

5. There was ample time to expedite the process and get the loan sanctioned the loan officer delayed in geting the papers and process it.

I wrote several emails to ICICI with no luck
'ICICICARE=[protected]' this is the ticket number. They say they cannot return processing fee.
. Also complained in econsumer.gov in USA.

Dear Sir,
I had swept my ICICI Bank debit card at one mobile shop at Jail Road on 2nd Aug 09 at 8:45pm
But i did't get the approval of amount credited but from my account:[protected], Amount of
4000 rupess has been debited on the same day, At the same time i got a sms from ICICI bank
then i came to know that my balance has been debited from my account.

Kindly look into the matter of your earliest and credit the same amount into the above said
Account.

I will be highly obliged.

we have two loan accounts with icici.the same had to be preclosed.the whole procedure was thoroughly cross checked with the customer care executives.so we took a day off and reached the icici bank panjagutta branch to complete the job only to be rudely dealt with .executive named suresh misbehaved instead of helping us.wonder why people with minimum patience are even considered for a industry like this.to top it all the leader that is the manager was no good himself.completely frustated we are back now only to return tomorrow again.

This is third instance of deficiency in Service in a span of 1 month by ICICI Direct:


I had purchased on August 14, Kotak Floater Long Term-Daily Dividend and TATA Floater Fund - Daily Dividend. However, I was charged Rs. 100 plus Service Charges for each transaction.


Complaints: I had categorically asked via mail whether Service Charges are applicable on Debt Schemes. To which I was replied that it is not applicable on liquid schemes. I suppose the answer was deliberately answered in a vague manner that these are not applicable to liquid funds. Why was it not specifically replied that it is applicable on debt schemes though there was no entry load earlier. When I even contacted Customer Care Executive to cancel the transaction immediately after I came to know of the debit of Service Charges through SMS from ICICI Bank, I was told nothing could be done.


How can Service Charges be levied on mutual funds on which there were no entry load/service charges earlier? What additional cost is incurred by you which was not incurred earlier? Why the amount of Service Charges is not shown as debit at the time of making transaction? You would appreciate that the very purpose of investment in debt/liquid fund is short term investement and to encourage that only no entry load was charged by mutual funds even during entry load regime.


In first instance, an amount of Rs. 45, 000 was debited from my account on July 9, 2009 for purchase of ICICI Prudential Flexible Income Plan Regular Daily Dividend was rejected with reason that it was for less than minimum amount.


Complaints: Why was it accepted in the first instance and why the amount was refunded as late as July 20, 2009 and that too after repeated follow up. It should not have been accepted by you at all if it was not permitted and why there was delay in crediting refund. Your customer care executives even refused to entertain request prior to expiry of 7 days from date of request.


In the Second Instance, I made request for redemption of Reliance Liquid Fund - Cash Plan - Daily Dividend on July 28, 2009 for amount of Rs. 70, 078.19 but the amount was received on August 3, 2009. The reason for delay, I was informed was that direct credit facility was initially rejected due to closure of account. On enquiry I was told that my earlier account derails were not updated with AMC.


Complaints: It is specifically flashed at the time of acceptance of redemption order that it would be competed within 1 business day. How is this possible that my account details were not updated with AMC since, I had purchased these mutual funds only a month ago and the reference of account details of the account closed details that your customer care executives were giving was closed more than a year ago. Though your Customer Care Executive admitted on phone that mistake was committed by you, however, reply to mail was vague that query has been attended telephonically. Why should a mistake not be admitted if made.

Dear Sir,

On the 23rd of August 2009 I tried to withdraw an amount of Rs. 8, 700.00 using my Axis Bank Debit Card from an ICICI Bank ATM in Red Cross Signal, Nashik and I received a Transaction Declined message due to error in Network.However, I found out later that the amount was still withdrawn from my account even though the ATM hadn't dispensed the amount. I launched a complaint with Axis Bank and they said it would take about 12 to 14 days for the amount to be credited back in the account.

Please help me to get my money back as soon possible.

Regards,

CA Sachin Mandlik

My name is Rajib Rayand I have account in ICICI Bank Credit Card Number whose number is [protected] My maximum limit was rs 24, 000 but they have blocked my ICICI Account and agreed for settlement as you can read the mail below. when i had around some rupees in my icici bank account, . where i payment is last month one thousand ( 31st july 09) al time i phone but nobody response me, alsoo i acnt take money for emargency ( exam last week i need some money for medicine ) i want these people to be punished and strong actions should be taken against these bank people. they are now mentally torturing me for payment.
regards,
Rajib Ray
[protected]