ICICI Bank Complaints & Reviews

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]

I DID NOT RECEIVE REDEMPTION AMT OF ICICI BANK TAX SAVING BONDS NO. 05625330 DISTNT NO 965 - 967 TILL DATE, REDEMPTION DATE WAS 5TH AUGUST 2009. I ALREADY INFORMED TO ICICI ABOUT NON PAYMENT ON 11TH AUGUST 2009 WITH MY NEW ADDRESS I.E. B-312 CHINAR RETREAT, ARERA HILLS OPP MAIDA MILL, HOSHANGABAD ROAD, BHOPAL

Dear Sir,

I hold an Savings Bank Account with ICICI Bank.My Account number is[protected].I have been using online Fund Transfer very effectively for the past few months.I have registered the following payee and transferred the Amount INR EIGHT HUNDRED on[protected] to that payee.The Payee got registered and the Amount was also Transferred to that Account successfully.But Now only I realized that I have registered the wrong payee and do the transfer.So I want to revert back the Amount from that Payee Account.Can you please advise me what should I do?or if possible please do the needful to get my Amount back.

I sent this to Chennai, Banking Ombudsman ([protected]@rbi.org.in).But still i didn't get proper response.

The following are the status from ICICI site.

RBI-NEFT
ICICI BANK, INFINITY CENTER,
6TH FLR, A WING, CHANDIVALI
MUMBAI - 400034

Payee Name : Sivasubramaniam
Payee's Details
Payee NickName
Bank Name CANARA BANK

Branch RAMANATHAPURAM
Account No 3978
Account Type SAVINGS ACCOUNT
MICR
IFSC CNRB0002808


Payment details for Payment Id [protected]
Beneficiary Details
Bank Name CANARA BANK
Branch RAMANATHAPURAM, RAMANATHAPURAM
Account No 3978
Account Type SAVINGS ACCOUNT
MICR
IFSC CNRB0002808


Payment Information
Payment Amount : INR 800.00
Date of Payment : 04/06/2009
Debit Account :[protected]
Payment Status : Success

Other Details
Payment Remarks : From Ramnaninar




Notes
*Please Check confirmation of status for "In Process" request after 6 hrs.



Thanks,
Balasubramanian.T

Dear Sir / Madam,

On 4th December, 2008, Mr. Sujit Saha, Manager (Collection Department, Kolkata) of ICICI Bank, issued a letter to me in the matter of foreclosure of a Personal Loan account no. LPCAL[protected]. As per this letter, I was supposed to make a full and final settlement of a sum of Rs. 30, 000.00 (Rupees Thirty Thousand only), against all my dues standing on account of this personal loan.

When I...

I spend Rs 18000/- through my credit card after getting advise from customer care of ICICI Bank. But I am sorry to inform you that after complete the transaction Bank has not ready to convert to EMI. Enclosing my correspondence for your ready reference. I have all the communication E-mail and will produce as and when require. Please take necessary action as I am not in a position to pay that much of huge amount at a time.

harassment
Credit Card No[protected]


Since, long, I am a proud owner, of above mentioned card and i have been religiously paying all my dues, every month. I have never kept, as a matter of Principle, any amount, as outstanding.
Anyway, for few months, I have been noticing, that my card, when used, is showing " DECLINED" in few of the occasions. This is definitely humiliating, specially when I am in a position of CEO, in a Group Company.
May be due to frequent and extensive use, some technical problem has creeped into. Because the ADD ON Card, which my wife is enjoying, is working fine.
Somehow, I am managing in the establishment, by producing, any of my other cards, but it is definitely embarrassing, and insulting
I request, ICICI Bank to change my card immediately, otherwise, I will not clear any outstanding. I assure to destroy the old card, immediately, on receipt of my new card.
Early endeavour will be appreciated.
Regards
Kalpajeet Basu Mallick
Genesis International
Near AAEI Club
6B Chakraberia Lane
Kolkata 700020
[protected]@rediffmail.com
[protected]@genesiskolkata.com

[protected]
033 – 32922110
Fax [protected]

Pls also note my communication details for all future references

Dear Sir,
Cash was deposited in my ICICI Bank Account on 8th August 2009 at Kolhapur Rs. 2000/-. On same date bank debited my account as CHGS on AnyWhere/CASH UPLD Rs. 165/-.

As per ICIC Charges structure

Anywhere Cash deposit by customer or customers representative to the credit of the customers own savings Account at a non-base branch i.e. branch in other city Nil for the first cash deposit of a calendar month;
Thereafter in the month, Rs.5 per thousand rupees or part thereof, subject to a minimum of Rs.150

This was my first transaction so I requested to reverse the charges. As per bank request I submitted application on 13th August and after making various phone calls the charges are not credited yet.

Please look in this matter.
Thanks & Regards
Minanath Vaidya

I have home loan from ICICI ambala city branch. I am paying EMI regularly at time since issuance of home loan. In august 2009 I was unable to pay instalment in time. this was first time failure to pay EMI. For ythis both ICICI Home loan section put some fine and icici bank also deducted some some money from my S.B. Account due to insufficient fund in my account. Up to this, it was ok.

But ICICI home loan section send demand to icici bank second time without my permession and deducted all money from my account. which cause Zero balance. This make great inconveniance to me.

Bank also make some phone calls on sunday to deposit amount and they will send recovery agent to my residence for collection of EMI. This spoiled my sunday and gave a set back that this is behaviour of bank twards its customer, who is regularly paying EMI in time, with onlyone failure.

this all happens inspite of my regular payment of EMI and one time failure to deposit EMI.

I think ICICI has no right to deduct amount from my account without my conscent. He can take legal action against me, can charge interest due to my failure, but it should not plan to send recovery agent to my residence and deduct money from my account without my permission.

My name is ALOK KUMAR GUPTA and I have account in ICICI Bank Credit Card Number whose number is [protected]. My maximum limit was rs 20, 000 but they have blocked my ICICI Account and agreed for settlement of rs 18, 000 as you can read the mail below. when i had around 23, 000 rupees in my icici bank account, then these immediately deducted the amount without informing me and again they are asking for 5000 rupees. already they have taken 5000 rupees extra from me and again they are asking 5000 rs more and not closing my icici bank account. 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 of 5000 rs. daily they are calling me and my family and troubling us a lot. pls help me to close this bank account and ask the bank to stop harrasing me mentally.

regards,
alok kumar gupta
mobile - [protected]


--- On Wed, 7/15/09, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' MSG - V.Imp
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Wednesday, July 15, 2009, 9:25 PM
Dear Mr. Alok Gupta,

We regret for the inconvenience caused.

We inform that as per our records there was settlement offered on your credit card for an amount of Rs. 18, 000 to be paid in 2 installments dated in May 2009, however we have not received the payment due to which the settlement has been void.

We inform that as your credit card account is permanently deactivated, lien has been marked to your savings account.

We inform you to visit the collection address mentioned below for settlement of your credit card account.
ICICI Bank Ltd,
S.D.Tower, Community Center,
Plot No 7. Sec - 8,
Rohini, New Delhi - 85

Sincerely,
Venkatesh
Customer Service Officer
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."

RBI has mandated that all online card transactions from August 1, 2009 should go through Verified by Visa or MasterCard SecureCode authentication. Visit our website www.3dsecure.icicibank.com for registration of your credit card and debit card.
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-----
From: Alok Kumar Gupta ([protected]@yahoo.com)
Date: Monday, July 13, 2009 01:38 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: MSG - V.Imp

My name is ALOK KUMAR GUPTA and I have account in ICICI Bank whose account number is[protected]. I had one credit card linked with my account whose Credit Card Number is [protected].
I also have my home loan linked with your account whose Home Loan account number is LBBRD[protected]. I already have Rs 22700 in my Account but you people have blocked my account. One person from Gurgaon Branch has agreed for settlement for around Rs. 18000 but he never came to collect money and now you have blocked my account without informing me which is completely wrong and Pure Cheating. Now you are charging Interest on my Credit Card and Home Loan also. How Customers will trust you when you do such cheap things. I thought that yours is the best bank but now I cannot trust you any.You have to keep your promise for the settlement of 18000 rupees against my credit card and return remaining 5000 rupees.
If you cannot do so then Just close my Bank account and Transfer my ICICI Home loan to my other Bank account after returning my 5 Blank Cheques. If you keep blocking my account like this then how will I pay my Home loan. You people will keep charging interest on my Home loan like this only. My Father in Law lives in Rohini, Delhi. His name is Ram Nath Gupta ( Mobile No [protected], Landline – [protected], His Address is A-6/110, Sector-15, Rohini, Delhi ). He will go to the Bank and you have to give him settlement letter of Rs 18000 and he will sign it. Then you have to deduct Rs 18000 from my Account and release remaining account.In case of any further conversation, you can co-ordinate with me on my Mobile ). If you do not do as I say then I will take the entire matter of Fraud to Consumer Court. I have all the documents ready to be sent to Thane, Mumbai ( ICRPC ).I am informing you in advance that I will take the matter to Consumer court, not like you People doing things without informing. I will never recommend any of my friends for your Hopeless Bank.
Alok Kumar Gupta ( Mobile no – [protected] )