ICICI Bank Complaints & Reviews

To
The ICICI Bank,
Personal Loan Department NEW.DELHI
DEAR SIR/MAM
MY PERSONAL LOAN ACCOUNT NO-LPDEL[protected],
MY BOUNCED CHARGE REVERSE, MY ACCOUNT IS AVILABLE,[protected] BALANCE RS-13168.73, BALANCE CERTIFICATE ISSUE AVILABLE MY BANK MANEGER CANARA BANK,
BAD SERVICES YOUR ICICI BANK.
CHANDRA MAULY CHAUDHARY
MOB-[protected],
THANKYOU

Hi There,

I lost my Debit Card 2weeks back and I went to nearest branch in Mount Road in Chennai. Where they issued a instant visa card (Debit Card) and they promissed me that the card will activate in 1hr minimum or maximum 24hrs However its been 10days where the card is still inactive and also Branch promisse me that they will Block the Old card which I lost But still the Old card is not Block. When I called ICICI Telephone Bank they are said they cant help me and I have to get in touch with Branch. I didnt even have money for my food from 10days and Im dieing here. Please Help Me.

Fraud and false authorization for my Credit Card and Policy
I have been victim to kind of a fraud committed by ICICI Lombard and Credit Card
My Credit Card Number : [protected]

I am getting very frustrated with you people and your services.I am writing this mail because you people are doing fraud things with the customers...I will never suggest anybody to purchase any Credit Card of ICICI bank or any ICICI...

My name is Tanushree Parkhe and its been more than 15 days since I have applied for opening a salary account with ICICI bank.



My company, Datamatics Technologies Ltd has their employees open a salary account with ICICI Bank, Powai Branch.



I had filled up a bank account opening form on 3rd August 09 and was given the welcome Kit.



My account number...

MY CAR OAN NO IS LAVPM[protected].
LOAN FROM ICICI BANK. I AM PAYING REGULERLY THROUGH ECS (STATE BANK OF HYDERABAD BRANCH GAJUWAKA). AS PER STATEMENT OF ICICI ONE EMI IS MISSING AND THEY IMPOSE CHARGES ON ME. I PHONED SO MANY TIMES TO ICICI CUSTOMER CARE BUT THEY HAVE NOT RECTIFIED THE SAME THAN I HAVE VISIT ALONG WITH ORIGINAL PASS BOOK OF STATE BANK OF HYDERABAD AND PUT ALL PROOF . THEY GIVE ASSURANCE THAT THEY WILL RECTIFY WITH IN ONE WEEK. I HAVE SUBMIT APPLIACTION FOR THE SAME 0N 23.07.2009 . BUT, UP TO TILL DATE THERE IS NO REPLY FROM ICICI BANK. AGAIN I MADE CONTACT WITH ICICI CUSTOMER CARE BUT THE REPLY WAS UN SATISFACTORY.

I AM REQUESTIUNG TO RECTIFY ALL THESE IMMIDIATELY.


M.Z .ANSARI
CELL:[protected].

I HAVE CAR LOAN THROUGH ICICI BANK. I PAYNG EVERY EMI ON TIME . BUT, ICICI BANK STSTEMENT SHOWING LAPSE OF EMI. AS APROOF I VISIT ICICI BANK SHOWED PROOF OF PASS BOOK THEY ASSURE ME TO RECTIFY ALL THESE BUT ONE MONTH HAVE GONE THERE IS NO RESULT AND NO RECTIFICATION .THEY ALREDY IMPOSED SO MANY CHRGES . AND ONE TIMES THEY DEDUCT TWO EMI IN A MONTH.

MAY KINDLY HELP TO RECTIFY ALL THESE UNNECESSARY THINGS.

many have complainted to us that ICICI never reduces its rate of interest on Home loans for the loans taken during[protected]. while it allots new home loans at reduced rates of interest.

This policy is not fair. Then what is the use of "VARIABLE" loan policy?

Government should look into this matter.

Apart, when rates increase, ICICI bank immediately increases rates of its existing customers. But when rates decrease, ICICI bank doesnot reduce rates of interest on hme loans to its existing customers.

This is where we are different from developed countries.

Its really Pathetic. how our country will progress? This way?

We request RBI to check the minute details and take affirmative action. we have weak control over cheating corporates in India. This is not the case in european countries.

I am suposed to get two reward points against my Platinum Card usage where as, not even one point added against my card usage since my usage of Platinum card. Pl correct and update as necessary since my usage of Platinum card and send me the total staement by email to my E-mail address
My spending on cards is more than lakhs annually.

Hi,

I have sent an Online DD through Citibank on 25th of June towards the payment of my ICICI Bank Credit card. I have been sending DD's every month to the same address of the bank. This DD is delivered through the same courier used by Citibank. ICICI Bank claims that they have not recieved the DD inspite of Citibank giving a letter stating that the DD no for the specified amount had been delivered at 4pm on the 26th of June and they have the POD with the signature and company seal of ICICI Bank. Though the documents have been submitted to ICICI bank, they sent me a mail stating that the investigation is on and will revert to me in 7 working days. Inspite of the investigation being on, the have added late charges fees to my account and added service charges for non-payment. They are still not able to trace my DD for Rs. 5000/- though it is close to 2months now, neither have they got back to me with any progress. I told them I would complain at Consumer Forum but they dont care. Nobody has even called me except for the Collection Executives who are harrassing me for making the payment. They keep calling everyday and saying that thye would send their people to collect the cheque. Inspite of giving them the ref no and telling them that I have made the payment and ICICI bank is investigating on the missing DD, they still do not stop calling and asking the same questions. I have lost of mind with this bank and do not understand how they could put their customer into so much of in-convenience. I had to do my payment due for this month to avaoid the collection executives calls. Because I'm continuing to make my payment, they do not care about the missing DD and not reverting back to me.

Please help me in tracing my money as they do not even give any officials phone no. When I call its the junior level people who do not even know what they are saying and keep making me repeat my card no, ref no and all other questions. This is really annoying and I want to file a case against this bank.

Kindly help.

Regards,

Supreetha

I have a Saving Bank Account (SB A/c No.[protected] in ICICI Bank, Sushant Lok Phase-I Branch at Gurgaon. My S.B Account was phished on 10.08.2009 and transferred money through internet banking an amount of Rs.1.0 lakh in two transactions of 50, 000/- each (Transactions reference Nos. BIL/[protected]/R and BIL/[protected]/R).

I was failed to access to my account through internet on 10.08.2009 around at 7.00 PM. Immediately, I have contacted 24 hours Customer services Cell of ICICI Bank. I found that 1.0 lakh was transferred from my account in two transactions of 50, 000 each and lodged complaint at ICICI Customers Services Cell over phone.

As advised by the Customer services Cell, I went to ICICI Bank to freeze my account on 10.08.2009 at 7.45 PM, so that no further illegal transactions take place. I have also given a written complaint to Branch Manager, ICICI Bank, Sushant Lok Branch on the same day and time.

The Branch Manager, Sushant Lok Branch, Gurgaon has told that the case has been informed to ICICI Bank Corporate Office, Bombay and it is under investigation.

In this regard, I would like to bring to your kind notice that I have received three emails dated 29th July, 30th July & 6th August, 2009 from acc.[protected]@icicibank.com/[protected]@acicionline.com and advised me to update online account for an enhancing the account security.

In view of the above facts, I request you to kindly arrange to revert the amount of Rs.1.0 lakh to my account at the earliest.

Yours sincerely,
(Challa Venkata Rao)
Saving Bank Account Holder[protected]
Mobile No.[protected]

i had submitted a icici bank account form on 27th jul for opening a salary account (TCS) in sec-27 noida branch..but its not activated yet...on 7th aug when i enquired about its activation from the delhi customer care no..i was told that the form has been rejected..its annoying that i ddt got any intimation from the dealing executive that it had been rejected after 10 days, i came to know the same...even at the time of form filling i asked him, whether he needs any more documents, but he denied...thereafter the form got rejected

on 8th aug, i re-submitted the form but till date, the account no[protected] is not activated yet...
several times in a day, i call the dealing exceutive (mr. damodaran) and also the sales manager (mr. amit ghera) of sec-27 noida branch of icici bank..but there is no satisfactory reply...

such kind of irresponsible and unsatisfactory behaviour is not expected from a prestigious bank like icici...

kindly pay attention to the above matter else i have to take some formal actions in the consumer forum for the inconvenience and wastage of time your bank has caused..

I have got ICICI credit card No.[protected] during May-07. I have made several purchases using this card and also I have paid the due amount periodically. During Jun-07 their associate company ICICI Lombord called for a mediclaim insurance policy for a total premium amount of Rs.6522/- in 24 equal installments. The necessary amount was debited in my above card account.After completion of 17 installments After two months they have sent one more medilaim card to me pertaining to my wife card. But the two premium was debited in my above card account. After 17 installments, I have asked Lombord people to cancel the both policies. They have agreed for the same. I have received my Nov-08 statement has a opening balance of Rs.5445.00 (due date 07.12.08) without adjusting the above two policy amounts. They have debited the two premium installments as usual. I hope that they have reversed the total premium amount so far debited in the month of Dec-08 statement. I have received the Dec-08 statement. I am very much shocked.They have reversed the service tax and interest amount to the tune of Rs.1379.24. More over they have debited Rs.2041.37 (the balance premium amount I have to pay in the total amount of Rs.6522/-). Hence the total amount due is raised Rs.7066.31 I have received my Jan-09 statement. In that they have reversed Rs.763.32 towards the another policy. In that also they have debited an amount of Rs.1470.47(the balance premium amount I have to pay in the total amount of Rs.6522/-). Hence my total due amount further raised to 8874.05. I have sent complains to their Grievances Redress to Mr.Harshil Mehta, Hyderabad explained their wrong debits and necessary to my card account. But till date I have not received any reply. In the month of April-09 they have accumulated my due amount to Rs.10000-/ plus and I have received a notice from their credit card division for immediate payment. I have against sent detailed letter to their customer card. But all are vain. In the month of May-09 first week I am unable to withdraw my salary amount (April-09 salary) since my card was blocked by the credit card people. In this I have approached my ICICI Nungampakkam branch They have simply replied that your salary amount was fully debited against your credit card dues. Hence you please go to credit card division for further inquiries. I have gone to credit card division for clarification. They have not ready to address my problem and they have simply whatever debited was debited. If you want to closed this issue you just sign the settlement form. Other wise you have to pay more and more by way of late fee interest etc. And more over you have told that the reversal was not made properly by our Lombord people, you please visit our Lombord office for clarification.

After that I have wrote a detailed letter to Lombord customer care. In this regard one Mr. Irfan Baig from their Mumbai office called me over phone and he had explained that my two policies were canceled and they were given full refund. On hearing from him I have again wrote a detailed letter to ICICI credit card division explaining that the Lombord people given full refund, but you have not given the same. But no response. Still they have sent statments with a due amount of more than Rs.3000/- plus. As per my calculations they have reversed atlease an amount Rs.10000/-. Hence you please look into the matter and arrange for an early reversal.

dear sir i m having student account with icici bank vashi branch acc no[protected] since 2003.
Recently while doing some transaction thru net banking a request went for new debit cardwith grid (i dont know how?) free of charge. Thinking that its ok, i didnt take any step.Now when after around 3 months when i didnt get the new one and old one also stopped working i asked customer care. Their reply is quite disgusting as they are saying that it was sent by OVERNITE XPRESS and your address was out of coveragre so we destroyed it and you want again apply for a new one and rs 300 will be charged .
Surprisingly they have one branch of icici bank in the same town whom they are saying out of reach and is it my mistake if they are unable to deliver? atleast they should inform me or at leat send me an email?

hear is some extract from their email

[protected][protected][protected][protected][protected][protected]
dear customer care officer



it is your resposibility to deliver any paper/ card to the mentioned address not just if it is returned by some courier service then destroy it and even dont inform customer and sit nicely.it cud have been sent by speed post also.Or at least u cud have bothered to inform me by sending one normal email.

i think any address within india is accessable by you and no where in your terms and conditions it is mentioned that it has to be sent only by OVERNITE EXPRESS .What type of customer friendly attitude you are showing that is beyond my thoughts.



If possible activate my previous debit card, i am quite happy with that and yes i m not asking you to provide me grid no, i have this much basic sense that it is not safe to provide grid thru mail.



Why should i pay for any new debit card when the last one was not delivered only to me?? i neither destroyod it nor returned it, it is your headache to get it delivered in any mentioned address or update your bank terms and conditions that it only covers regions which are covered by OVERNITE EXPRESS .



See Mr. customer care officer, i know tactics used by ur good bank to raise charges on every small and big issues like not sending card then saying out of delivery area.FATEHPUR has one icici branch i hope your courier service is reaching there otherwise god knows how do u running that bank??



I want either my previous card activated or send me another free of charge other wise i am bound to visit RBI and /or consumer court coz i can not accept such silly reasons of OVERNITE EXPRESS.



BGRD

sudhakar

--- On Sat, 15/8/09, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:



From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Product: Bank / Old Customer / [protected]@yahoo.co.in
To: "[protected]@yahoo.co.in" <[protected]@YAHOO.CO.IN>
Date: Saturday, 15 August, 2009, 10:19 PM


Dear Mr. Sudhakar,

Please note that, we will be unable to deactivate the third level authentication facility (asking grid values).

Your ATM/debit card has been sent to your communication address on May 5, 2009 through OVERNITE EXPRESS and the same has been returned to us undelivered with the reason " NON SERVICEABLE LOCATIONOUT OF DELIVERY AREA " and for security reasons your card has been destroyed after 60 days.

Please follow these steps to apply for new ATM/Debit card:

* Click 'Bank Accounts'
* Click on 'Service Requests' from the left-hand side menu
* Click on the link 'Apply for a Debit Card'
* Click 'Reissue of lost/damaged ATM/Debit Card'
* Enter the required details and click on the 'Submit' button.
* Enter the transaction password and submit the request

You will be given a Service Request Number for your reference. You can also track the status of your request by clicking on the link 'Track your Service Request' available on the 'Service Requests' page.

You will receive the debit card within 10 working days at this address as in our records:

Alternatively you call the 24-hour Customer Care for the same.
To know the customer care number please click on the below link
http://www.icicibank.com/pfsuser/customer/cuscarenos.htm

You can co-ordinate with any nearest ICICI Bank Branch to collect the non personalized INSTA debit card.

Charges: The charges for the new debit card is Rs.200 + 10.30% service Tax. If there is no sufficient balance in your account your ATM/debit card will not be processed.

Note: Once the request for the new ATM/debit card is processed your old card will be blocked.

Sincerely,

Vara Lakshmi N
Customer Service Officer
ICICI Bank Limited



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

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com

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

-----Original Message-----
Title: Mr.
First Name: sudhakar
Last Name: shukla
An ICICI Bank Customer: Yes
Product: Bank
Account No:[protected]
i requested for upgradation of my debit card to grid one, it has not received me till date and my account showing as i have been issued this debit card, more ever i can not do any net transfer as it is asking for grid digit but i have the normal debit card.i request you to let me retain my original debit card if you can not issue/deliver me grid one as at least i can do net banking by that. thank u.
E-mail address: [protected]@yahoo.co.in
Telephoneno:+[protected]
Correspondence address: 424 rajendra nagar colony hariharganj, Fatehpur up-212601
City: fatehpur
Country: India
Pin Code: 212601

To whom so ever it may concern.

This is to express my extreme dis-satisfaction with ICICI Bank Car Loan.

I applied for a car loan with ICICI Bank, Hitech(Madhapur) branch and its been 2 weeks, but I have still not received my DD for the loan amount.

I Have spoken to 10 different people during the entire process and have found people very un-professional.
I submitted all my docs as the per the specs by the manager to the agent and the verification process went fine. As per the earlier commitment by the manger the loan process was suppose to complete in 3 working days but to my surprise after three working days he informed me that I am not eligible for a car loan as per the new rules @ ICICI.
With a CTC of 5.5 lakhs p.a and take home of 35k, I was not eligible. This came as a shock! Still we chose to co-operate with the bank and as per the manager's suggestion we submitted the necessary docs for my husband. The manager informed us that he was a co-applicant and more like a Guarantor. Post his document submission we got the approvals and signed the booklet for agreement. The manager informed us that they need three cheques from the guarantor for case when I, the main applicant fails to re-pay the loan. We submitted the same. We had been convinced by the manager on the fact that we will get the DD today at Kun Hyundai showroom. When we spoke to the Kun people, they informed that they will not give the car today as the bank had not informed them of anything and they need the DD to release the loan.

When we tried reaching the manager, he is not taking any calls. Having been directed to another person by the agent, he says he has no idea about this car loan. A agent comes to get a document signed for Auto Debit from the co-applicant stating that money will be auto debited form his account and not mine/main applicant, whereas a day back they took signature from me for auto debit. Is this some kind of fraud?

Or lack of knowledge in the employees??

They are informing us now that they are not able to find my co-applicant's/husbands permanent residence address in their database! This is highly un-acceptable to hear such issue at the last moment when the customer is waiting for the DD. We both work at oracle and are having salary accounts with ICICI Bank Madhapur branch for 2.5/3 yrs now.

If this is the kind of service corporate receive, I am highly disappointed with it.

I would advise to improve your services and see if there is something that can be done for my car loan.

Thanks,
Swati.

I have recieved ICICI credit card I have used full amount. Due to financial problems I cannot be able to repay the amount. And now I am ready to pay the debt. Is it possible for me? So before going into that I wanted to know whether I am in defaultor list or not. Some of my friends saying that if you defaulted in any case in future you cannot able to get any kind of financial services from an bank. Please let me confirn ragarding these.

Thanking you

I am holding a Demat account with ICICI Direct with client ID [protected]. Today when I have tried to login into their trading site, my login was not allowed with the reason "Pursuant to our letter dated March 23, 2009 and earlier communication by us, regarding re-submission of your ICICI Direct Account Opening Forms, your account has been temporarily deactivated. Please contact the nearest ICICIdirect hub or Call Center for further assistance.". When I tried to contact two of the nos[protected],
41570563 belonging to their centre in Janakpuri, I got the reply that these nos does not exist any more. Then I tried to contact them through [protected], Where one of the first officer said, I have reached a wrong VDN and simply put me back on queue (to reach one person, you need to hold the phone atleast 15 ~ 30 mins), the second officer said, they have lost all the documents submitted by me at the time of opening the account is lost, and hence I should provide them with the details. Since I have not submitted so far, They have deactivated my account. To put it simply, they are punishing me for their mistake. I request your intervention for justice and get these culprits punished.

To,
Banking Lokpal,
Reserve bank of India,
Garment house,
Annie Besant road Worli,
Mumbai.

Sub: - Harassment done by ICICI bank

Respected Sir,
This is Anil Pandey from Indore. I was using ICICI bank credit card from last 9 months.My problem started when I have given a cheque 477491 of amount 25799.85 against the payment of the transition I have done in February (photocopy attached).the cheque was sent back to me by the ICICI bank with a letter which state the reason as UNAUTHORISED ALTERATION dated 6 march, which I have got in the month of April.
On 9 march I got a call from ICICI bank on my cell [protected] that payment of the credit card is not deposited due to some reason (which the customer care lady was not knowing).And when I have asked for the cheque she was not aware about the where some of that. So I deposited the cheque no.477493 of amount 25800.00.After in the next statement I was charged Surcharge of Rs 2200.when I have talked to the customer care on 29 march about this they replied that they will do the reversal of the Interest and the late fee payment in the same statement, I can pay the remaining amount so I paid Rs 1996.00 through my cheque no. 477495.But only 441.20 was only reversal has come not the whole amount (statement of April attached).After that I have talked to Customer care about all, with Mr. Pushpa raj ([protected]).Mr. Pushparaj told me that Mr. Jitendra from Indore will come to my place and will do the necessary settelement.I waited for Mr. Jitendra for almost two month but he has not came.
As there was no response from the executives than I have mailed to ICICI bank on 6 July to Customer care center regarding my subject. Than Mr. Jitndra Pande C.S.O. Hyderabad ICICI bank Hyderabad sent me the mail that I am sending the mail to the concern department for the settlement. Than once again after 20 days waiting for the answer from the concern department, I once again sent a mail to Mr. Jitendra Pande, that there is no respone.So on 28 July Mr. Mohammad Kaleem has sent me a mail that please send me you’re a/c no and contact no. So I sent that also, but on 30 July my ICICI bank Saving A/c was blocked (amount was Rs 6506.24).Than once again I called the customer care (Hyderabad) regarding blocking my money, they said this has happen due to some mistake they will solve this as soon as poosible.and than I have got a call from Hyderabad that please do the settlement we will unblock the amount to their ICICI bank Malwa Parisar branch Indore. But on 31 July I got a mail from Mr. V Bhupendra that you’re saving a/c have sufficient fund to pay so we can’t do the settelemnt.And on 12 august they deducted the amount.
Respected sir, please help me as I have lost my money and my concentration due to the financial harassment done by ICICI bank. And please help me to get my money back as well as compensation for the pain I have got through so many days. I need My Money and my credit card both activated. Please help me
You’re sincerely

Anil Pandey
Indore

Any one can u explain me how to do activation of imint.

I deposited a cheque for Rs. 15000/- in my ICICI bank account. The cheque was dropped in Anushaktinagar ICICI bank ATM centre drop box on 6th August 2009. Even on 13th August, my account does not show any cheque under clearing. On enquiring with call centre, the person informed that no cheque has been received by them. He refused to take a complaint on this saying to wait for few more days. He also says that it takes four working days and said that their were bank strike on 6th and 7th. But as for as I know, ICICI bank was not participating in strike. After collecting the checque at least it should reflect in the account under clearing.My account no. is[protected].

Hello Sir,

I am Rohit Mahajan and am working in IBM India in Bangalore. The ICICI Lombard insurance and ICICI credit card people giving problems to me.

I joined IBM 1 yr and 2 months back and opened my salary account in ICICI Bank. While filling the form I nowhere signed for any health insurance. After 2 or 3 months I received a call from Mr. Yogesh from Chennai regarding ICICI Lombard insurance.
He told me to take this policy and forces me that I signed on documents while opening my account with ICICI bank. I said him no I don't want and I didn't sign for this...

Then he told me to say yes for the policy otherwise it wil charge me 1000 Rs as cancellation. If I say yes to the policy while recording of the call, he will cancel my policy without any charges after getting my policy papers and card. I said yes to the cal and those people deduct 24000 Rs from my credit card on the moment and every month m getting my Credit card dues increasing.

After getting my papers, I contacted him asked him to cancel my policy now. He said ok I wil do tht. He did something and disconnects the call. After tht whenever I tried his number no one picked the cal or sometimes some other guy replied to the cal.

In the mean while I received a cal from Credit card recovery dept. lady name kiran or Suman called me regarding payment. I told her the whole story then she said me to pay 1500 Rs and she wil settle the amount and revert back the whole money and send me the cancellation form also, but again the same this nothing happened. I paid 1500 and nothing happened.

I didn't pay my credit card bill as the full amt is of insurance. Now the situation is my CC dues are 16, 603 and Credit card department block my 6300 Rs which is in my Debit card and am Unable to withdraw even a single rupee.

I went to Credit card department, they told me to contact Lombard people. I went there and they told me tht they can only refund 9000 Rs out of 24000 and cancel the policy. But I want the full amount as its the fraud from bank people..

They are moving me from one place to another...

Please help me...

Please, I shall be very thankful to you.

With Regards,
Rohit Mahajan

Contact # [protected]