ICICI Bank Complaints & Reviews

BRIEF ABOUT UNFAIR TRADE PRACTICE BY ICICI BANK

I am having salary/saving Bank Account No.[protected] with ICICI Bank, W-57 Greater Kailash I, New Delhi branch and was having ICICI Bank Credit Card No.[protected]. Since, I was facing problems with their Credit Card division, after making last purchase through Credit Card of Rs.110 I surrendered the card after making entire payment. Even after this ICICI Credit Card division start pressurizing to make payment of Rs.384.00. To get rid of the problems, I made this payment too in February, 2004. Surprisingly, after almost 3 years on May 22, 2007 ICICI Bank mark my account as NO LIEN. Inspite of various phone calls/reminders through mail and phone still my saving account is under NO LIEN. I approached Secy. Banking Finance , but no corrective action has been taken so far.

I sincerely would like to know the following:

1. Whether ICICI Bank has right to seize/No Lien of any customer’s saving account. Are they not covered under Reserve Bank of India’s guidelines and having right to does this kind o[censored]nfair trade practice.
2. Can I get justice by getting my hard earned money back which is captured by ICICI Bank.

3. How I can get my saving bank account activated.

Dear sir,

I have alloted a PAN NO.(AIMPV2844F) in the month of FEB.2009...but I have not received my pan card..
I am requesting you to send my pan card in the address given below :-

Pitamber singh verma
village/post office - Sahaspur
Dehradun (Uttarakhand)
Pin Code - 248197

SIR,
I HAVE TRANSFERED RS. 15000/- FROM MY ICICI BANK ACCOUNT CHEQUE NO 329350 (FILE ATTACHED FOR YOUR KIND PERUSAL) TO MY ANOTHER LOAN ACCOUNT WITH BANK OF BARODA, SISAMAU , KANPUR DATED 10/09/09 BUT THE CHEQUE WAS RETURNED WITHOUT CLEARING AND THE REASON QUOTED "DATE NOT CLEAR" AND MY ACCOUNT WAS BEEN POSTED A DEBIT ENTRY OF RS 55/- WHICH I FIND IT REAL INJUSTISE OF CHARGING WITHOUT ANY REASON.

Date: Friday, September 11, 2009 10:25 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Credit Card / Old Customer /vishal.[protected]@deutschepostbank.co.in

Title: Mr.

First Name: vishal

Last Name: joshi

An ICICI Bank Customer: Yes

Product: Credit Card

Account No: [protected]

What would you like to say: Dear Sir

Till date i do not have any out standing due in my credit card, than also you have took one hold cheque of mine agaist which i had already made the cash payment in the month of 9/7/09. In the month of july i had bymistakely issue the postdated cheque and because of that your executive has called me for the paymnet and aske me the cash deposit in BANK. when i had asked my cheque back than they have told me that we will courier that cheque to me. when suddenly i have check my accout today the cheque of rs. 7340/- has cleared which i had issued to icici bank on july month and for that they alreday collected the cash of rs. 7340 from me.
now i want my amount to be back through cheque/DD/Pay oreder on immdiately base.

if i will not get that amount credited in my axis bank account immidiately than i will complain against icici bank for colleting my paymnet by fraud/missguide me.

regards

vishal joshi
M [protected]
E-mail address: vishal.[protected]@deutschepostbank.co.in
Telephoneno:+91-022-[protected]

[protected][protected][protected][protected]
From: Vishal V. Joshi
Sent: Friday, September 18, 2009 8:34 PM
To: 'ICICI Bank Customer Care'
Subject: RE: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer /vishal.[protected]@deutschepostbank.co.in


Waiting for your reply.

Regards,

Vishal Joshi
Branch Sales manager [Thane]
Deutsche Postbank Home Finance Ltd

From: Vishal V. Joshi
Sent: Tuesday, September 15, 2009 9:34 PM
To: 'ICICI Bank Customer Care'
Subject: RE: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer /vishal.[protected]@deutschepostbank.co.in

I think you all are doing intentionally such things and because of you always customer suffers.

Now I will stretch up this issue to your chairman Mr. K V Kamath.

Regards,

Vishal Joshi
Branch Sales manager [Thane]
Deutsche Postbank Home Finance Ltd
[protected][protected][protected][protected]
From: Vishal V. Joshi
Sent: Tuesday, September 15, 2009 12:07 PM
To: 'ICICI Bank Customer Care'
Subject: RE: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer /vishal.[protected]@deutschepostbank.co.in

Waiting for your reply.

Regards,

Vishal Joshi
Branch Sales manager [Thane]
Deutsche Postbank Home Finance Ltd
[protected][protected][protected][protected]
From: Vishal V. Joshi
Sent: Monday, September 14, 2009 8:03 PM
To: 'ICICI Bank Customer Care'
Subject: RE: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer /vishal.[protected]@deutschepostbank.co.in

Dear

Please find the attachment of net statement and request you to process as per that. My statement is clearly showing that Rs. 7340/- is cleared on 11/09/2009 against the payment of ICICI Bank Credit Card Account. As you know that your system is also showing the payment receives from me. Don’t lingering the things and proceed as per the statement given.

Request for process the things by today and courier the cheque by today’s courier.

Regards,

Vishal Joshi
Branch Sales manager [Thane]
Deutsche Postbank Home Finance Ltd
[protected][protected][protected][protected]
From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Monday, September 14, 2009 6:53 PM
To: Vishal V. Joshi
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer /vishal.[protected]@deutschepostbank.co.in

Dear Mr. Joshi,

We are deeply concerned with the issues raised by you in your e-mail. We regret that our service couldn't live up to the expectations.

It is unfortunate that, despite our good intentions, you have had to undergo some discomfiture.
We are really sorry for the inconvenience caused to you because of all the issues that you mentioned. Thank you for bringing this to our attention.

We have escalated the issue and personally following it up, however to process the refund we need the your bank statement reflecting the debit of the cheque amount of Rs. 7340.

We request you to send us the scanned copy of the bank statement in PDF format from your personal e-mail ID to customer.[protected]@icicibank.com for further process of the request.

Looking forward to providing you with the best of our services at all times.

Sincerely,
Vijay Kumar
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."

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of 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-----
From: Vishal V. Joshi (Vishal.[protected]@deutschepostbank.co.in)
Date: Monday, September 14, 2009 04:43 PM
To: 'ICICI Bank Customer Care' (customer.[protected]@icicibank.com)
Subject: RE: RE: Product: Credit Card / Old Customer/vishal.[protected]@deutschepostbank.co.in

Dear

As per our telephonic discussion you have told me that I will process your cheque for full amount of Rs. 7340/- and I want my full amount back. Whatever outstanding I have that I will pay only on when my due date comes or as per the bill generation.

I want my full amount back or today itself I will appeal with consumer court for fraud case against you and misguide to customer against the payment part.

Regards,

Vishal Joshi
Branch Sales manager [Thane]
Deutsche Postbank Home Finance Ltd


[protected][protected][protected][protected]

From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Monday, September 14, 2009 4:19 PM
To: Vishal V. Joshi
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer /vishal.[protected]@deutschepostbank.co.in

Dear Mr. Joshi,

According to our records there are two transactions on your credit card account hence the cheque amount has been adjusted towards the same.

22/08/2009
VODAFONE, MUMBAI

4190.98

02/09/2009
VODAFONE, MUMBAI
1281.36

Presently the excess credit of Rs. 1,158.49 only will be refunded as excess credit kindly confirm the same to process the request.

Looking forward to your co-operation in helping us serve you better.

Sincerely,
Abdul Mubeen
Account Manager
ICICI Bank Limited

"Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking >Cards> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders."

Register your ICICI Bank credit card for Verified by Visa / MasterCard SecureCode today to make your online transactions safer. RBI guidelines make this second level authentication, mandatory for all Internet card transactions from August 1, 2009. For registration and further details, please visit the Cards section of www.icicibank.com.

We value your feedback on your experience with our response to this query. Please click the "Feedback" tab and give us your views.

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

-----Original Message-----
From: Vishal V. Joshi (Vishal.[protected]@deutschepostbank.co.in)
Date: Saturday, September 12, 2009 02:24 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: RE: Product: Credit Card / Old Customer/vishal.[protected]@deutschepostbank.co.in



Dear Mahomad

on what basis you can refund me only rs. 1158.49, why you have put a cheque which i had issued for the monnth of july and that time you had collected the payment by cash. i want my full amount or i will go to consumer court for my access payment taken without any due.

i want my amount to be refunded by DD/ Cheque/ pay order, on immidiate base. you have not replied my mail for the question of on what basis you have deposited my cheque? i want appology letter from your end for the same, because of your bank mistake my instalement should have got bounce but fortunately my account was having good amount. i am in trouble for some amount for my personal use and i want that amount to be credited in my bank account on immidiate base.

hope for your kind revert.

Thanks & Regards

Vishal Joshi
Branch Sales Manager[Thane Branch]
Bhw Home Finance Ltd
MB-[protected],25441274[25303988]
[protected][protected][protected][protected]

From: ICICI Bank Customer Care [customer.[protected]@icicibank.com]
Sent: Saturday, September 12, 2009 8:13 AM
To: Vishal V. Joshi
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer /vishal.[protected]@deutschepostbank.co.in

Dear Mr. Joshi,

We clarify you that as on date your credit card account is having excess credit of Rs. 1,158.49.No amount is due as on date September 12,2009 towards credit card account 4477 xxxx xxxx 6003.

We also clarify you that only as on date excess payment of Rs. 1,158.49 can be refunded.Please confirm the same and also send the scan copy of the bank statement where in the last cheque was cleared from your account to customer.[protected]@icicibank.com

Sincerely,

Mohammed Osman Gani
Customer Service Officer
ICICI Bank Limited
-----Original Message-----
From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Date: Friday, September 11, 2009 10:25 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Credit Card / Old Customer /vishal.[protected]@deutschepostbank.co.in

Title: Mr.

First Name: vishal

Last Name: joshi

An ICICI Bank Customer: Yes

Product: Credit Card

Account No: [protected]

What would you like to say: Dear Sir

Till date i do not have any out standing due in my credit card, than also you have took one hold cheque of mine agaist which i had already made the cash payment in the month of 9/7/09. In the month of july i had bymistakely issue the postdated cheque and because of that your executive has called me for the paymnet and aske me the cash deposit in BANK. when i had asked my cheque back than they have told me that we will courier that cheque to me. when suddenly i have check my accout today the cheque of rs. 7340/- has cleared which i had issued to icici bank on july month and for that they alreday collected the cash of rs. 7340 from me.
now i want my amount to be back through cheque/DD/Pay oreder on immdiately base.

if i will not get that amount credited in my axis bank account immidiately than i will complain against icici bank for colleting my paymnet by fraud/missguide me.

regards

vishal joshi
M [protected]
E-mail address: vishal.[protected]@deutschepostbank.co.in
Telephoneno:+91-022-[protected]

Correspondence address: E wing, flat no-01, sukur garden chs ltd, dhokali naka, kolshet road thane w.

City: Mumbai

Country: India

Pin Code: 400606


* Please note my Mail ID has changed. It is @deutschepostbank.co.in instead of earlier @bhw.in

I have changed my residence. I want to update my new residence address but I could not locate online. I need help on this

Respected Sir,

I am Miss. Sheetal Nandkumar Kasavakar I am worked with ''ICICI HOME FINANCE COMPANY LIMITED" as Sanction CPA Since 23rd Feb'2007 to 31st Aug' 2008. My Employee Code No- 55135 & Provident Fund No. DL/32000/36746

Till from this date i have not received my Provident fund please kind attention in this matter.
My Contact no.is [protected].

Please take necessary action.

Thanks & regards,

Sheetal Kasavakar

Hi,
I am Neha Goyal having account in ICICI bank. On 12/09/2009 I made a transaction from HDFC ATM of Rs. 2500/-. But the ATM screen showed "Transaction Timed Out". But the amount was deducted from my account. Till date I have not got my money back. Even after going to the ICICI bank, they are asking to bring the slip of that transaction timed out. But I did not recieve any receipt for the same.
Is this the way I have to deal.
The transaction slip is for customer's use and not for bank. They already have the details.
Don't know when I am going to get the money back. What needs to be done, please suggest.

As per the settlement letter for Rs 116000/- i had paid all amount but still not received the loan closure certificate

I HAVE PAID FULL AMOUNT OF PERSONAL LOAN BUT AFTER 3-4 YEARS THEY HOLD RS 6558/- IN MY SAVING ACCOUNT WHAT I DO. PLEASE HELF ME.

All those who have a bank account with ICICI Bank are advised to withdraw their money and close their bank accounts as early as possible. If anybody believes I am speaking thin air, may have to regret.

If anybody still trusts ICICI Bank, or believes it is honest & transparent, think over it once again.

These people have been bribing Banking Ombudsman (Reserve Bank of India)

I also swear by Mother India to shut down The Banking Ombudsman...
for they are hand in gloves with the private banks and settle the consumers' complaints only in the favor of such banks. Because their officers are fed on the pieces thrown by such private banks

In addition, The Banking Ombudsman is only an alternate forum. It does not have the status and authority of The Consumer Courts. All of you must be aware of it

So, in case you have any complaint against any bank, do approach The Banking Ombudsman. Do not lodge your complaint with them. The Banking Ombudsman is only here to make folly of the consumers

All such alternate forums must be shut down. If they have the right to form alternate forums, why should not we people of India...

Setup & establish genuine courts which actually deliver justice and in time too!

meri nazaron mein yeh system ek charbi wala kartoos hai aur main ise munh lagane se inkaar karta hoon

This article is also being sent to our impotent, toothless, powerless, inactive, FAKE & LAWLESS AUTHORITIES LIKE:

The President of India
The Supreme Court of India
The Parliament of India
Ministry of Finance
National Human Rights Commission
& many more

Jai Hind!

I have received a mail which seems to be fraudulent.
Request you to look into the same and if it is fraudulent prevent such phishing mails from circulation

Congratulations Star Prize Winner
From : Honda Automobile Company <[protected]@honda.co.uk>
Subject : Congratulations Star Prize Winner
To : undisclosed-recipients:;
Reply To : [protected]@9.cn

Wed, Sep 16, 2009 01:14 PM


HONDA AUTOMOBILE COMPANY INTERNATIONAL
Reg Office: Ellesfield Avenue, Bracknell,
Berkshire, RG12 8TA.
United Kingdom.

Congratulations Star Prize Winner: Jackpot Number HD/A38/[protected]/09

The Board of Directors, members of staff and the International Awareness
Department of the Honda Automobile Company, wishes to facilitate with you on
your success as one of the FIFTY STAR PRIZE WINNER in the Honda Automobile
Company 50th Anniversary (Founded 1959). This makes you the proud owner of a
brand new HONDA SUV CR-V 2009 MODEL and a cash aid of 450,000.00 Great
British Pounds for your personal business development and upliftment of your
environment.

Do note that the car comes with a special Honda Insurance Cover for one year
and one year driver's warranty. The selection process was carried out in our
Computerized Electronic Email Database System drawn from all continents. Do
fill the below claims processing form and summit to Director of the Honda
Fiduciary Department.

PRIZE CLAIMS PROCESSING FORM: {1}Full Name: {2} Residential Address: {3}
Sex/Gender: {4}Age: {5} Mobile No: {6}Marital Status: {7}Occupation: {8}
City/Town: {9}State: {10}Country: {11}Nationality:

Director of the Honda Fiduciary Department
Mr. Joe Cole
Email: [protected]@9.cn
Telephone: [protected]

Congratulations once more, and keep trusting Honda Automobile Company for top
quality automobiles.

Signed,
Mr. Takeo Fukui,
President and CEO
Honda Automobile Group.

My particulars are: Current Account no. [protected] incidently, I have been given a special status PLEDGE CLIENT ID =13232995 .Pledge name= ICICI Bank. DP ID IN300183. PLEDGEE DP Name ICICI BANK LTD.
I had pledged units of MORGAN STANLEY GROWTH FUND ALONG WITH COMPANY SHARES. This Mutual Fund scheme became open ended. Since last four months or so ,I have been trying to get the units released/ de-pledged but all in vain.Firstly, your bank did not co-operate with my service provider viz Stock holding . your bank said that they have got nothing to do with this.whatever is to be done has to be done by Stock holding.Though against the procedure, Stock holding yielded and UNILATERALLY took some action so that the units could be released.They further showed me the statemen confirming that my balance is NIL. When I went to KARVY COMPUTER SHARE, I was told that the units are held up with the bank..At Ludhiana, I mainly dealt with Sh NILESH KUMAR. He was not sure of the procedures. For everything he was consulting Chandigarh office. It seems they were also not sure.
WHAT SHOULD I DO NOW ? WHY CANT YOU STREMLINE YOUR PROCEDURES?
N.S> MANGAT

Hi am ramesh from chennai.I am to state that my relative shri P. Sadasivam the ICICI account holder (A/C No :[protected] of Tiruppur branch) has received a credit of Rs. 43,348 ( Fourty three thousand three hunderd and fourty eight only) in lieu of the wrongly deposited sum of Rs. 49000 (Fourty nine thousand only) retrieved from the wrong beneficiary.

Whereas the amount keyed in by me in to the account of the wrong beneficiary Shri S. Arumugam ICICI Account holder A/c No[protected] Rs 49000 (Fourty nine thousand only)

As such an amount of Rs 5,652 ( Five thousand six hundred and fifty two only ) is yet to be credited to the Bonafide beneficiary.

The matter is prolonged since the date of deposit i.e, 26.12.2008. Already a lot of month have passed,But the matter is yet to be settled fully.

I am pained and am not able to understand why such matter take a long time.

Regards

P Ramesh Kumar.

In the process of opening a new account, they asked me to submit a latter from company to verify my address and signature & xerox copy of passport. And they asked me to deposit Rs. 10200/ , in case.
They issued me the check book & ATM cum Debit card also. But now after all this they are not activating my account , and also asking to submit more document regarding the address proof.
My objection is that, if they need more documents then why they had received the case amount and issue the check book ant ATM cum Debit card??
I will asked to consumer forum to take an action against them for delaying & cheating in opening of savings account.

I have applied for nhpc IPO 350 Nos. (2 lots) online through icicidirect.com vide demat a/c no.[protected]. I have not allotted any shares of NHPC and the stock has been listed since 1st SEP'09 but till date i have not received or credited the amount which has been debited from my account for this purpose. I have contacted ICICIdirect customer care several times and they told me to contact Karvy computer shares in this regard.

Phone Banking Doesn't Work - I tried for almost half of the day and the IVR has issues.
Whenever I connect to the CustomerCare-Executive they connect me back to the IVR, instead of taking my authentication orally.

Dear Sir

My Name is amir rahman. Two cheques (Nos 784503 & 326892) have been deposited to my account no[protected] Bank ICICI Bank by Provident Fund Organization on 22nd of April 09. Sign on the cheques were not maching so these cheques sent to my old address (while my corresponding address was already updated to them). As i got shifted to Delhi so these cheques were come back to ICICI Bank. when i given a call to them and try to know the status of these cheques they told me that they sent back to Provident Fund Organization address. After so many phone calls and so many mails they atleast told me that these cheques are there in my basic Kanpur ICIC Bank Branch. i again mail/requested them to sent these cheques to my new address. First of all they sent me two new cheque books and when i again talkes to them they said sorry and assured me for sending me those cheques.

They also given me then a courier company name (Solution courier) and docket number but no courier company phone number saying that i will get those cheques with in 08 days. but more than 09 days have passed i still didn't recieved any cheques. when i given a call to that courier company he is not properly responding.

there is a marriage of my sister on 05th of October 09. i am very upset by the behaviour of ICIC Bank.

i think they are making me fool

To

Consumer Court
Pune.India.

Sub: Complaint regarding ICICI Credit Card.

Dear Team,


I have been ICICI Bank credit card since Oct 2005.My credit card no. is [protected]

In first weak of Sep2007 I called up call centre to know why my outstanding was increasing even when I was not using card. At that time I came know was every month on my credit card is getting debited for about Rs 400 for some X Drive.com. According to call centre employees of ICICI Credit Card I have Purchased something online because of which every month my account is getting debited from around one year. So I asked them to refund the complete amount as I have not used it. They gave me long procedure to do and said that after completing that procedure I will be getting amount equivalent to last three transaction of X Drive.com. So I ask them to at least block my card immediately so that in future my credit card should not be debited from X DRIVE.COM. So the call centre person blocked my card. Then I thought instead of going for such a long procedure I would directly pay due amount of my credit card and will stop using ICICI Card in future. So I made payment of complete outstanding amount of Rs3000 on 24th Sep 2007.After that I was not getting any statement from October 2007 as there was no due in my credit card and there was no transaction.

In month of march 2008 again I received credit card statement saying that my due amount was around Rs 2900. I called up call centre in month of April 2008 and made a complaint regarding all this but then made a complaint and said that as I have blocked my credit card then any kind of transactions should not be allowed. And again this time also the transaction of Rs 2900 on 13march 2008 was not done by me so please wave of this amount. But before submitting my complaint the call centre person cut off the phone connection which I was holding for one hour.

After that I called up them three times but every time call centre people will attain my call and before completing my complaint they will disconnect the call. Then as I was pregnant + I was working I could not do follow up on this.

But still my Saving account is getting debited every month for minimum due amount of my credit card for the transaction of X Drive.com on 13th march 2008 of Rs 2900.

I would like ICICI Credit Card department to repay me all such amount which they debit from my account + Rs 500000 for mentally harassing me from last two years.


For your reference I have attached my credit card statement since may 2007 for which also I had done continues follow up from last one month.

Thanks and Regards.
Nital Soni.
[protected]

i-mint is very problamatic and no action taken from ICICI. I am registered user in i-mint
my credit card statement says our points are redeemed I even dont know how many poits do I have in my account. when I try to contact i-mint on phone then the number is out of order their site also does not open.

I am platinum customer of ICICI Bank having all types of credit card gold to platinum, also having Car, Personal & Home loan, ICICI pru life heavy premium Insurances alongwith that I have Salary A/c which is having very good balance through out the year. I am paying my bills in regular fashion, no cheques got bounced every since last five years. Despite of that I have got recovery agents to my home and humuliated me so much in front of all my relatives and neighbours. When I asked the ICICI bank the same I have got following replies

Customer Care: We haven't sent any body, we dont have any recovery agents they are illegal.

after this reply i have handed over guys to local police

Call from ICICI Bank Chennai: We are sorry it was a mistake it was manish kumar to whom we need to catch instead they catched you.

Email from ICICI Bank (through ICICI Online internal Mail system):

-----Reply Separator-------
Dear Mr. Sharma,

We inform that the Physical visit from the collection team was done only when we couldn't establish contact with card holder over the phone and this will be followed to ensure that our credit card holders are aware of their due date for payment on their credit card.

This is done to avoid delayed payments on account of non-receipt of credit card statements, postal delays on delivery of statements. This is also to help you avoid financial charges if the payment does not reflect in your credit card account by the due date.

We sincerely regret for the unpleasant experience in your case. We apologize for the inconvenience.

We are making every effort to ensure that such instances do not recur. Please treat this as an exceptional occurrence.


Sincerely,

B Upendra Kumar
Customer Service Manager
ICICI Bank Limited

See the hike of the guys