ICICI Bank Complaints & Reviews

Sir,Madam,

I have been with ICICI with last 4 years and have been a credit card customer for all the four years.

My statement for 20/12/2208 had the below issue as stated:

Email to ICICI on 29/12/2008

Dear Sir/Madam,

Please review the statment for Late fees and interest Charges for statments for 20/11/2008 and 20/12/2008.These charges are applied on my statment even after a payment of 8,516.84 was made on 20/11/2008

Outstanding Charges Issue:
This seems to continue even if the payment is made the same day late charges are applied.

The Late fees(Rs 400.00 applied on both the statements) and Interest Charges are applied before the peak period of 48 days.

My only transaction is 6250 between 20/11/2008 and 20/12/2008 and my payment due is 7252.00 Rs

I wont be making any payments to the card until these charges(Rs 1002.88) are revereted.I have got similar statements earlier as well but made a payment.

Rewards program discrepancies

The rewards program, the statment on 20/11/2008 has 1425 points and the reward points on 20/12/2008 has been reduced to 94 points.

Please contact via email.

Regards,
Jeevottam

PS:I tried to submit via "email us" application, there is a error is submitting the request.

Email to ICICI on 9 March

Dear Sir/Madam,

Please review the statment for Late fees and interest Charges for statments for 20/11/2008 and 20/12/2008.These charges are applied on my statment even after a payment of 8,516.84 was made on 20/11/2008

Outstanding Charges Issue:
This seems to continue even if the payment is made the same day late charges are applied.

The Late fees(Rs 400.00 applied on both the statements) and Interest Charges are applied before the peak period of 48 days.

My only transaction is 6250 between 20/11/2008 and 20/12/2008 and my payment due is 8655.75 Rs

I wont be making any payments to the card until these late chargesare revereted.I have got similar statements earlier as well but made a payment.

Rewards program discrepancies

The rewards program, the statment on 20/11/2008 has 1425 points and the reward points on 20/12/2008 has been reduced to 94 points.

Please contact via email.

Regards,
Jeevottam

PS:I tried to submit via "email us" application, there is a error is submitting the request.


After this i have raised 2 service request with the degraded "Email us" application which always fails on clicking submit and the responses are as below:<<<<No REsponse to me on email regaring the information that i wanted>>>>

Dear Customer,

Request Number:SR[protected]

Type of query: Statement not received

Resolution: We are unable to process your request and unable to contact you at the phone number as in our records. Please contact us at Customer Care

Please note: This is a system-generated e-mail please do not reply.

Sincerely,
Customer Service Team.
ICICI Bank Limited.


Now when I called ICICI bank regarding the amount being blocked from my Saving Bank Account[protected] the amount is a whopping 13,968.41Rs and the ICICI customer care representatives are so adamant with very shrewed responses saying we cant do anything we have rights from the governement to cease any amount of money you have with us or any other bank to get it back.

Now, as a consumer I dont have a option as the money will be debited from my bank account within 7 days.

ICICI has been irresponsible in responding to my SR's and emails on email and has not put an effort to provide better service & has applied all the hidden charges on 20/11 and made me pay 13,968.41 RS no.

Can i get help on this and settle this?????

ACCOUNT NUMBER:[protected]
PAN: AQHPD3965G
BRANCH: RUDRAPUR, UTTARAKHAND
IN LAST MONTH OF JUNE I APPLIED FOR DEMAT ACCOUNT ATTACHED WITH EXISTING SAVINGS ACCOUNT. I WAS GIVEN SURITY FROM THE STAFF THAT I CAN AVAIL MY DEMAT SERVICE WITH IN 10 DAYS BUT IT HAS BEEN MORE THAN 3 MONTHS AND I AM STILL WAITING FOR MY DOCUMENTS OR KIT TO COME WHERE AS DEMAT CHARGES HAS BEEN DEDUCTED FROM MY ACCOUNT.
I MADE A REQUEST TO CUSTOMER CARE TO RESEND THE INFORMATION ON 13 AUG 2009 BUT STILL RECEIVED NO INFORMATION TILL DATE.
LOCAL ICICI BANK STAFF IS ALSO NOT SUPPORTIVE.
I AM GREATLY DEPRESSED AND UNHAPPY WITH THE SERVICES AND SUPPORT OF ICICI BANK.

Hi,

This is to bring to your kind attention that today I had experienced major cheating case and under which somebody has taken out Rs. 5,50,000/- from my current account (no.[protected] lying with ICICI Bank (Guru Harikishan Nagar, Paschim Vihar - II Branch). Actually, what happened, on 29th August, I got an email from ICICI Bank asking me to verify my username and password just to avoid any future misuse of my current account. In response to this, I sent my complete account information and never received acknowledgement from ICICI Bank.

Today, when I went to check my transaction in ICICI Bank then found that somebody has taken Rs. 5,50,000/- from my account. Upon further checking, I was told that primarily this money got transferred few accounts in Mumbai and I have that complete information about this fact. Now, the problem is, Bank is not ready to co-operate with me as a matter of fact they are not at all bother to listen my case. My sincere request you to please look into this as I belongs to middle class family and have small business setup, help me to recover my lost money.

Bond Holder No.[protected]
Certificate No.[protected] dtd. 29 May, 2001
Each of Rs. 5,000/-
Total Value of 4 bonds - Rs. 20,000/-.
Distinctive Nos.[protected]

Please let me know the status of the above bonds which I possess.

Thanks and regards,

Sushant Kumar Singhal

Hello,
Its a old matter, 2-3 yrs back. One of the executive came to my place with an offer to open a Fixed Deposit and they will also offer a zero balance savings account. Now, i issued them a cheque, after few days the zero balance savings account was opened, but for next few months neither the cheque was presented in my bank nor the FD was done. I called the executive many times but he didn't take any action. So i decided to do stop payment of the cheque.

I had gone to the branch and asked them to close the account, they said it will be closed automatically in few days.

Till date, i have not done a single transaction in that savings account, but in every quarter the bank sends a statement with charges of non maintenance of Min Average Quarterly balance plus interest etc on it.

I have visited the branch many times and explained them the sitaution, but they say you to pay the charges. Like wrong is this situation, first of all, it was supposed to be a zero balance saving account, secondly i had approached them to close the account soon after doing stop payment and they didn't, and now they want me to suffer.

Please let me know, what i should do.

Thanks,
Karan

Hi,

I don't have any ICICI Credit Card No.[protected] and I have been served Demand Legal Notice for unpaid outstanding dues of Rs.98407.95. The card may be used by any other person for which I am disturbed by serving me demand legal notice. Please look into the matter immediately & revert back.

Thanks

ANIL DAVAR

Ammount from my ICICI a/c was taken out by some person (named: Rajesh Ramesh Pawar) withou my knowledge through Internet Banking.
2 months bank told me that we will return your money after investigation complete. Now they are telling me that investigation completed and saying that it is my fault i shared passwords with that person and bank will not return money. I even dont know who is he. Police is not taking my fir saying it should be launched by bank. Can i file compaint against bank at consumer court? Please help me out

I have already lodged a complain against fraud case in transacting of Rs.50000/- via hacking of online user ID and password details. And ICICI Bank had already detected the same but no confirmation from their end till date regarding the revival of full money.

[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.