ICICI Bank Complaints & Reviews

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]

Dear sir,
I want to search that how can I find my name in Credit Card Defaulter List ? I had a CC of ICICI Bank in the year 2006. I had paid them all dues in timely. And in the year 2007, I had closed that Card.

At present when I fillup a new form for CC of PNB / SBI, the Bank SBI & PNB has rejected my name and told that your name is in Credit Card Defaulter List.

So, I request to you please give the website name where I search my name.

Please help immediately.

Thanking you.

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

From: Kamal Warikoo
Sent: Wednesday, July 22, 2009 1:33 PM
To: '[protected]@icicibank.com'
Subject: FW: RE:'ICICILom=[protected]' FW: RE:'ICICICARE=[protected]' FW: POOR SERVICE/ IVR/ SERVIVECANCELLATION of CREDIT CARD



NO Action or plan implemented from your end for the query.

There is no service, so what will be head service quality doing there.

I need to talk and settle this case in this month only.

If there is no action from your end at the case, where money is being deducted from my Credit Card without my consent against LOMBARD, & big sum reflects towards outstanding balance this month.

I will not be responsible for any further conversation etc. and will be solving the case with only by legal means.



I have written to Hyd. Branch and sent them the post as well

POST TRACKER NO.DTDC;B[protected]TTH JULY THE POST WAS SENT.

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

From: Kamal Warikoo
Sent: Tuesday, July 14, 2009 3:12 PM
To: '[protected]@icicibank.com'
Subject: FW: RE:'ICICILom=[protected]' FW: RE:'ICICICARE=[protected]' FW: POOR SERVICE/ IVR/ SERVIVECANCELLATION of CREDIT CARD



Dear Coordinator,



I haven’t heard any thing from your end and there is no revert back to settle the case.

This is pathetic service from the brand and complete ignorance.



Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)
S-321, Rear Wing, South Block,
Manipal Centre, Dickenson Road,
Bangalore- 560042.
Mob : +[protected]
Ph : +[protected]
E- mail:kamal.[protected]@allcheckdeals.com

we advise you, the property which you want to buy not which market sells.


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

From: Kamal Warikoo
Sent: Thursday, July 02, 2009 6:40 PM
To: '[protected]@icicibank.com'
Subject: FW: RE:'ICICILom=[protected]' FW: RE:'ICICICARE=[protected]' FW: POOR SERVICE/ IVR/ SERVIVECANCELLATION of CREDIT CARD







Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)
S-321, Rear Wing, South Block,
Manipal Centre, Dickenson Road,
Bangalore- 560042.
Mob : +[protected]
Ph : +[protected]
E- mail:kamal.[protected]@allcheckdeals.com

we advise you, the property which you want to buy not which market sells.


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

From: Service Quality [mailto:[protected]@icicilombard.com]
Sent: Wednesday, June 24, 2009 6:45 PM
To: Kamal Warikoo
Subject: RE:'ICICILom=[protected]' FW: RE:'ICICICARE=[protected]' FW: POOR SERVICE/ IVR/ SERVIVECANCELLATION of CREDIT CARD



Thank you for contacting ICICI Lombard General Insurance Company Ltd.



Your request has been logged in as Interaction ID 4712322. The request is under process and we will revert to you on the same shortly.



**This interaction is being tracked through the subject line. Please do not change/modify it while reverting to us**



Regards,

Service Quality team





-----Original Message-----
From: Kamal Warikoo [kamal.[protected]@allcheckdeals.com]
Sent: Wednesday, Jun 24 2009 12:10PM
To: [protected]@icicilombard.com [[protected]@icicilombard.com]
Cc: [protected]@icicibank.com [[protected]@icicibank.com]; [protected]@icicilombard.com [[protected]@icicilombard.com]; customer.[protected]@icicibank.com [customer.[protected]@icicibank.com]
Subject: FW: RE:'ICICICARE=[protected]' FW: POOR SERVICE/ IVR/ SERVIVECANCELLATION of CREDIT CARD


ALL MAILS ARE BEEN MARKED YELLOW


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

From: Kamal Warikoo
Sent: Thursday, June 11, 2009 5:57 PM
To: 'ICICI Bank Customer Care'
Subject: RE: RE:'ICICICARE=[protected]' FW: POOR SERVICE/ IVR/ SERVIVE CANCELLATION of CREDIT CARD



Thanks,



I need to know the balance payments as money is already detected from my acc. Towards cc payments.

Also have not received the CC statement.



Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)
S-321, Rear Wing, South Block,
Manipal Centre, Dickenson Road,
Bangalore- 560042.
Mob : +[protected]
Ph : +[protected]
E- mail:kamal.[protected]@allcheckdeals.com

we advise you, the property which you want to buy not which market sells.


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

From: ICICI Bank Customer Care [mailto:customer.[protected]@ICICIBANK.COM]
Sent: Thursday, June 11, 2009 5:33 PM
To: Kamal Warikoo
Subject: RE:'ICICICARE=[protected]' FW: POOR SERVICE/ IVR/ SERVIVE CANCELLATION of CREDIT CARD



Dear Sir,



We apologize for the inconvenience caused to you.



We have escalated in regards to your issuse on credit card account and as per our telephonic conversation we would require few more days to revert back to you.We have raised a request no : SR[protected] in regards to your concern



Please accept our sincere apologizes for the delay .



Looking forward to your cooperation towards a better service

Sincerely

Soumya Shetty
Customer Service Executive
ICICI Bank Limited

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: Kamal Warikoo (kamal.[protected]@allcheckdeals.com)
Date: Tuesday, June 09, 2009 01:27 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: FW: POOR SERVICE/ IVR/ SERVIVE CANCELLATION of CREDIT CARD




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

From: Kamal Warikoo
Sent: Tuesday, June 09, 2009 10:41 AM
To: 'ICICI Bank Customer Care'
Cc: '[protected]@iciciprulife.com'; '[protected]@iciciprulife.com'
Subject: POOR SERVICE/ IVR/ SERVIVE CANCELLATION of CREDIT CARD



Dear Coordinator,



I have been informing you that there is no EMAIL ID of mine as kamal.[protected]@infoedge.com its



kamal.[protected]@allcheckdeals.com/[protected]@rediffmail.com.



In spite of informing again and again the CC statement is being sent to same email address which till date I have never got.

At same time the below conversation mentions cancellation of the all other policies which are deducting money from my credit card with out my knowledge and same was cancelled. The proof is in attachment as well.



I want to know why my credit card balance was 2529.89 while the transactions made by me were only 400 & 800 rupees, in that I accept there was late payment charges as well as I was not in town.



I have already dropped the cheque of 1180 in DROP box of ICICI bank near BANGALORE CENTRAL.

I want the information at the earliest failure to which will force me to cancel the Credit Card service of yours form today only.



I want to be clear with:



Why my credit card bill is is 2000+ as it should be in the range of Rs.1800?
Why the email address is not changed and when it will be updated. SMS sent always mentions KAMAL.[protected]@INFOEDGE.COM, 7th JUNE I HAVE GOT THE SMS.
Do you want me to continue with the card or not. No one will like to pay the charges for the services which he/she has not used.


RECTIFY AS SOON AS POSSIBLE. I WANT CREDIT CARD STATEMENT ON THIS ID BY EVENING.

Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)
S-321, Rear Wing, South Block,
Manipal Centre, Dickenson Road,
Bangalore- 560042.
Mob : +[protected]
Ph : +[protected]
E- mail:kamal.[protected]@allcheckdeals.com

we advise you, the property which you want to buy not which market sells.


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

From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Friday, March 13, 2009 9:45 AM
To: Kamal Warikoo
Subject: RE:'ICICICARE=[protected]' URGENT



Dear Sir,



The Service Requests SR99650502 and SR99652401 regarding the cancellation of the Prudential and Lombard policies is under process.



The status of the requests will be communicated to you within March 27, 2009.



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



Sincerely,



Purnima K

Customer Service Officer

ICICI Bank Limited



ICICI Bank now offers 8.75% p.a. on fixed deposits for 390 days and 590 days, 9.00% p.a. for 890 days. Please contact any ICICI Bank branch.



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: Kamal Warikoo (kamal.[protected]@allcheckdeals.com)
Date: Thursday, March 12, 2009 12:07 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: RE: URGENT



Hi

Thanks for the support.

You will not be denied from any cooperation from my side, if the process is dully done as per mentioned date.

I am looking for same pace for the EMI converting process as well.




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

From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Thursday, March 12, 2009 11:55 AM
To: Kamal Warikoo
Subject: RE:'ICICICARE=[protected]' URGENT



Dear Mr. Warikoo,



We have forwarded your request regarding the cancellation of the Prudential policy to the concerned department with Service Reference Number SR99650502.



We have forwarded your request regarding the cancellation of the Lombard policy to the concerned department with Service Reference Number SR99652401.



The status of the requests will be communicated to you within March 27, 2009.



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



Sincerely,



Purnima K

Customer Service Officer

ICICI Bank Limited



ICICI Bank now offers 8.75% p.a. on fixed deposits for 390 days and 590 days, 9.00% p.a. for 890 days. Please contact any ICICI Bank branch.



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: Kamal Warikoo (kamal.[protected]@allcheckdeals.com)
Date: Tuesday, March 10, 2009 11:51 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: RE: URGENT



Hi Tulsi,



I know that the company policy is different, but I have tried a lot to reach the people also one who had started the process from their end.

I want them to contact me for, as I am not free to keep calling them.

I declare that I am not taking there Products and services at all, same should not be detucted from my Credit card, which I will not be paying at all.

I am very much reachable to my carry cell.



Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)
# S-321, Rear Wing, South Block,
Manipal Centre, Dickenson Road,
Bangalore- 560042.
Mob : +[protected]
Ph : +[protected]
E- mail:kamal.[protected]@allcheckdeals.com


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

From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Tuesday, March 10, 2009 10:01 AM
To: Kamal Warikoo
Subject: RE:'ICICICARE=[protected]' URGENT



Dear Mr. Warikoo,



We tried to contact you on [protected]and [protected], however you were not contactable.



We request you to contact merchant (ICICI PRUDENTIAL LIFE INS and Lombard policy) for further assistance regarding cancelation of policy.



If any debit is done by ICICI Lombard and ICICI PRUDENTIAL LIFE INS, only they have the authority to credit the amount to your credit card account.

Also we confirm that we will not be able to access your policy details registered by ICICI Lombard or ICICI PRUDENTIAL and hence we request you to contact Merchant.

Looking forward for your kind co-operation.



Sincerely,



Tulsi Sirivella

Customer Service Officer

ICICI Bank Limited



ICICI Bank now offers 8.75% p.a. on fixed deposits for 390 days and 590 days, 9.00% p.a. for 890 days. Please contact any ICICI Bank branch.



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: Kamal Warikoo (kamal.[protected]@allcheckdeals.com)
Date: Monday, March 09, 2009 06:56 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: RE: URGENT



Hi Ms. Rajalaxmi,





Thanks for your quick response; I would like to know that what in terms of transaction details you need.

I will send you the same accordingly.

I am also looking forward for canceling all other services which lead to Payments from my credit card.

I will be paying only for the transactions which I will make from the card at times.

I would not be interacting with ICICI PRUDENTIAL LIFE INS as the experience with them in terms of post sales is worst.

I would like to take your help to interact with them and pass my message to them.





Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)
# S-321, Rear Wing, South Block,
Manipal Centre, Dickenson Road,
Bangalore- 560042.
Mob : +[protected]
Ph : +[protected]
India :[protected]
USA :[protected]
UK :[protected]
E- mail:kamal.[protected]@allcheckdeals.com


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

From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Monday, March 09, 2009 4:13 PM
To: Kamal Warikoo
Subject: RE:'ICICICARE=[protected]' URGENT



Dear Mr.Warikoo,



For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com



We regret for the inconvenience caused.



However we inform you that for ICICI PRUDENTIAL LIFE INS, we request you to contact at [protected]@iciciprulife.com or [protected]@iciciprulife.com



Toll free no:[protected]only from BSNL or MTNL



For lombard policy we request you to please get in touch with the Lombard customer care team call our toll free number :[protected] so as to assit you in this regard.



Looking forward for your kind co-operation.



We tried to contact you on your mobile[protected],[protected] numbers however you were not contactble.



Sincerely,



CH Rajalaxmi

Customer Service Officer

ICICI Bank Limited





ICICI Bank now offers 8.75% p.a. on fixed deposits for 390 days and 590 days, 9.00% p.a. for 890 days. Please contact any ICICI Bank branch.



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>>Credit Card>>View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.



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: Kamal Warikoo (kamal.[protected]@allcheckdeals.com)
Date: Monday, March 09, 2009 03:33 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: URGENT



Dear Coordinator,



With the mail ref. Below, I have asked to cancel all other charges like Lombard and Prud.(ICICI)

I had spoken also to guy on phone from your end that on my credit card I don’t want any out standing payments apart from if I purchase for self.

As I did one transaction for my mobile.



As the guy who spoke to me was telling that it has been done.

I will not be paying any amount to any other product of your bank like insurance etc As I Declare that cancel for very wrong services.

I am not at all happy with many aspects of your bank.

This is only because of office account I am in transaction with you.

There is no customer relation ship at all.



Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)
# S-614, Rear Wing, South Block,
Manipal Centre, Dickenson Road,
Bangalore- 560042.
Mob : +[protected]
Ph : +[protected]
E- mail:kamal.[protected]@allcheckdeals.com


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

From: Kamal Warikoo
Sent: Sunday, January 25, 2009 7:50 PM
To: 'customer.[protected]@icicibank.com'
Subject: URGENT





Dear coordinator,



Kindly send me the pin no. of my credit card.

Credit card number is

[protected]

I am in need of the pin as it has not reached me.

I am also looking for the statement of the credit which is mentioned there and as I have not received any intimation from those authorities I want to cancel the policy.

I don’t want that money is getting detected from my credit limit which I have no records.

I am sure I want to cancel the policy of that ICICI insurance the cancellation fees can be collected by them from my end any time.

Kindly revert back to me as soon as possible.

Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)
# S-614, Rear Wing, South Block,
Manipal Centre, Dickenson Road,
Bangalore- 560042.
Mob : +[protected]
Ph : +[protected]
E- mail:kamal.[protected]@allcheckdeals.com














<<kamal.jpg>>

From: Kamal Warikoo
Sent: Wednesday, July 29, 2009 1:53 PM
To: 'Head Service Quality'
Cc: 'customer.[protected]@icicibank.com'; '[protected]@icicilombard.com'
Subject: FW: RE:'ICICICARE=[protected]' ICICI Bank Credit Card



Dear Ms. Rao,



I am unable to understand the process and the poor feedback com service from the branded bang/ organization like yours.



You are asking me to pay for the mistakes which your bank process has done.

You need to note the following points clear me with satisfactory reply apart from words



“We request you to make the payment of the outstanding amount at the earliest to avoid further financial charges.

We request you to treat this as our final response pertaining to your concerns about your ICICI Bank Credit Card.”



DEC POLICY IS TAKEN REQUESTED TO CANCEL IN JAN, FROM MY END.
YOU PEOPLE CANCELLED THE SAME AFTER 2 MONTHS WITH OUT ANY COMMUNICATION.

WHERE AM I AT MISKTAKE THERE?



SENT MAIL RECORD IS AS A PROOF WITH ME AND SERVICE NO. WHICH YOU NEEDED TO SENT THAT TIME IS BEING ASKED FROM ME?





If the policy as per your statement and the letter received from Sunita Gupta mentions that policy was cancelled on March and “refund of Rs. 3703.00 was processed on March 26, 2009 as per the clause mentioned under the terms and conditions of cancellation and termination.”


Ø Why is out standing balance to my CC reflecting as 5000+?



Ø I need complete understanding on this, break up of out standing balance?

Ø I also want to know if I am interacting for the clarifications on this from last 4-5 months why is late fees also added to the same.

Ø YOU CAN’T JUST SAY PAY THE AMOUNT WE REGRET TO REFUND FULL AMOUNT?



Ms. Rao kindly act responsible rather than casual.



I once again am interested to solve the issue in professional manner and mistakes can be rectified.



Ø Fix the amount for cancellation process which I am due to pay but out standing of 5000+ rupees is not at all accepted.



Ø If you want to solve the issue in simple way I will cooperate to best possible way else kindly start with the legal process.

Ø I am ready with all the proofs and this is just simply a CASE of mental harassment of an consumer, time wastage, act of breach to individual’s self honor.



Ø I WILL NOT ACCEPT NO RESP. FROM YOUR END.



Ø YOU ALSO TAKE THIS MAIL RESP. LAST IF THE THINGS ARE NOT BEEN SOLVED AT YOUR END QUICKLY, FURTHER TO THIS ALL CHARGES DUE YOU WILL BE RESPONSIBEL FOR THE SAME and start legal process of recovery of Rs. 5000+ from my end, which I will prove as a customer I am not WRONG.



Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)


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

From: Kamal Warikoo
Sent: Friday, July 24, 2009 7:13 PM
To: 'Head Service Quality'
Subject: RE: RE:'ICICICARE=[protected]' ICICI Bank Credit Card



Dear Ms. Rao,



This what I mentioned after the mail on 25th Jan there was no communication from your side.



Regards,

KAMAL WARIKOO
allcheckdeals.com (A naukri.com Group Company)
S-321, Rear Wing, South Block,
Manipal Centre, Dickenson Road,
Bangalore- 560042.
Mob : +[protected]
Ph : +[protected]
E- mail:kamal.[protected]@allcheckdeals.com

we advise you, the property which you want to buy not which market sells.


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

From: Head Service Quality [mailto:[protected]@ICICIBANK.COM]
Sent: Friday, July 24, 2009 5:43 PM
To: Kamal Warikoo
Subject: RE:'ICICICARE=[protected]' ICICI Bank Credit Card



Dear Mr. Warikoo,



We refer to your e-mail of July 24, 2009 addressed to Head Service Quality.



We request you to provide us the service request number which you have received from us when raised a complaint to cancel the policy on January 25, 2009 for further assistance.



We have checked our records and find that the policy was issued on December 10, 2008 and on your request for cancelation we have cancelled the policy on March 25, 2009 a refund of Rs. 3703.00 was processed on March 26, 2009 as per the clause mentioned under the terms and conditions of cancelation and termination.

We regret to provide complete refund of the amount debited towards Lombard Policy.

We request you to make the payment of the outstanding amount at the earliest to avoid further financial charges.

We request you to treat this as our final response pertaining to your concerns about your ICICI Bank Credit Card.



Sincerely,



Sunanda Rao

Office of Head Service Quality



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."

Dear Sir/ Madam,

I have a ICICI credit card with me. Card No. [protected]. I had given my company adress and E-mail ID for the corruspondence. I left that company in December 2008 and requested ICICI for change of adress and E-mail ID. But they did not take my request as my cheque book request was also there same time.

I didn't received the statement so I had made the cheque payment for the due amout. I am not aware of if that cheque was honoured or dishonoured as the all my statements are going to my old compant adress.

I again contacted ICICI for checking the status and change of adress, they told they have not received the payment and I told them to send the statements again and change my adress and e-mail ID. I had given the cheque no by which I had made the payment to the ICICI customer care executive as well as the person who was came to my house for the new adress varification. A nd he told me that he will check and confirm that cheque status.

But they once after the adress confirmation they directly taken out money due money with interest and financial charges from my ICICI savings account. They never informed me for the non receipt of payment. Even I myself asked about the statement as I was not receiveing any statements from ICICI. Height to it is even after they taken out their due money with late payment fees and financial charges they are still charging me late payment fees and financial charges. The late payment fees and financial charges they put me are huge and it is again increasing with compound interest.

All the correspondence mails are attached herewith for your info.

I sincierely request you to help me out and give me justice.

Thanks & Regards,

Kishor Patil.
Mobile: [protected]/[protected]

From: "kishor kisan patil" <[protected]@rediffmail.com> | Add to Address book |This is spam



To: "ICICI Bank Customer Care" <customer.[protected]@ICICIBANK.COM>


Subject: Re: RE:'ICICICARE=[protected]' Re: Payment due date reminder


Date: Sun, 12 Apr 2009 11:08:25 IST


Note: To help protect your privacy, images from this message have been blocked.View images | What is this?








Dear Mr.Venkatesh,

Its height of all.

Yesterday you had agreed that you will reverse all the late payment & finance charges put in my account. You will check for the payment I made to ICICI & if its credited, you will also reverse the money you taken out from my ICICI savings account.

Its surprising that you don't follow you're commitments. You're mail is not inline with the telephonic discussion we had.
I don't expect any more support from you.

We will meet in consumer court.

Kishor.

On Sat, 11 Apr 2009 ICICI Bank Customer Care wrote :
>Dear Mr. Patil,
>
>
>Further to our telephonic conversation dated onApril 11, 2009,
>we inform that as your credit card account has been permanently deactivated due to non receipt of payment an amount of rs. 15, 513.66 has been debited from your savings account dated on March 19, 2009 and there is an outstanding balance of Rs. 461.41 as on date.
>
>Sincerely,
>
>
>Venkatesh
>Customer Service Officer
>ICICI Bank Limited
>
>"ICICI Bank now offers 8.50% p.a. on fixed deposits for 390 days and 590 days, 8.75% p.a. for 990 days. Please contact any ICICI Bank branch."
>
>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: kishor kisan patil (
>[protected]@rediffmail.com
>)
>Date: Friday, April 10, 2009 12:00 PM
>To: ICICI Bank Customer Care (
>customer.[protected]@icicibank.com
>)
>Subject: Re: RE: Re: Payment due date reminder
>
>Dear Mr. Ahmad,
>This is not acceptable.
>I have myself made hard attempt for change of adress and e-mail id.
>I think ICICI is making business by not allowing account holders to update the information and creating the situation for making defaults and putting up penalty and financial charges.
>I had made the payment, given cheque nos to your customer care executives and the executive who came to my house for adress verification.
>You have allready stolen my money from my account without my knowledge.And still you are again asking for other finance charges. If you have allready recovered total due money along with finance charges and penalty how can you still charge finance charges to me in this month?
>And as off you have taken all money why my card is deactivated?
>If you will not return all my money I will put a case in consumer court.
>Kishor.
>On Wed, 08 Apr 2009 ICICI Bank Customer Care wrote :
>>Dear Mr. Patil,
>>
>>We regret the inconvenience caused to you.
>>
>>As an ICICI Bank Credit Card holder, you are governed by the terms and conditions of the Card Member Agreement, under which you have authorized the Bank to debit your ICICI Bank account to the extent of any outstanding amount due on the Credit Card that proves to be un-collectable from you, and other amount due to the Bank by you in terms of the Card Member Agreement.
>>
>>The relevant extract from the terms and conditions is set out hereunder:
>>
>>"In addition to the general right to set off or other right conferred by law or under any other agreement, the Bank may, without notice, combine or consolidate the standing balance on the Card Account with any other account(s) which the Card member maintains with ICICI Bank and its Group Companies, and set-off or transfer money standing to the credit of such other account(s) in or towards the satisfaction of the Card Member's liability to ICICI Bank under his/her Card Account."
>>We further state that the Bank has a bankers' lien on your account as statutorily granted and available to any bank in accordance with our rights as set forth above.
>>
>>We inform you that the credit card is permanently deactivated due to non receipt of the payment.
>>
>>The total amount outstanding on your credit card account is Rs.461.41 as on April 07, 2009.
>>
>>We request you to make the payment to avoid financial charges.
>>
>>You may change the address online. Please follow these steps:
>>
>>Logon
>>to
>>www.icicibank.com
>>with your User ID and Password.
>>Click on 'Cards'
>>Click on 'Other Request'(Under Service Request)
>>Click on'Request for Address Change'.
>>
>>Alternatively, you may contact our 24-hour Customer Care for the address change.
>>
>>Please click on this link to get the Customer Care contact numbers:
>>
>>http://www.icicibank.com/pfsuser/customer/cuscarenos.htm
>>
>>Sincerely,
>>
>>Ahmed
>>Customer service officer
>>ICICI Bank Limited
>>
>>ICICI Bank now offers 8.75% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch.
>>
>>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: kishor kisan patil (
>>[protected]@rediffmail.com
>>)
>>Date: Tuesday, April 07, 2009 12:49 PM
>>To:
>>[protected]@icicibank.com
>>(
>>[protected]@icicibank.com
>>)
>>Cc:
>>customer.[protected]@icicibank.com
>>(
>>customer.[protected]@icicibank.com
>>)
>>Subject: Re: Payment due date reminder
>>
>>Dear Sir/ Madam
>>I am fed up with ICICI. Your customer care execuives don't know how to talk to a customer.
>>
>>My biling adress is changes as I have changed my job. I have requested for change of adress several times to your customer care executive in the month of december 08. I had also sent a mail for change of adress and e-mail id. Nobody took the request stating your cheque book request is under progress and they cannot take another request for change of adress.
>>Last month again i called up your customer care executive for change of adress.
>>Then they sent me the bills. I had informed them that the balance payment which they were showing is allready paid by me by cheque. I had also given the cheque no to customer care executive and the person who came to my new adress for adress confrmation. And requested to remove all finance charges and late payment charges put in my account.
>>Ignoriong my request you directly debited money along with finance charges and late payment fees from my savings account with ICICI.
>>Who give you the permission to do so? How can you take out money without my knowledge that also when I paid the money.
>>Either you check your account, clear issue and pay back late paymnet & finance charges or else I am going to put case in conumer court.
>>I don't have any belief in ICICI I am also going to close my account and credit card. I don't want to keep any relationship with ICICI hence forth and also going to wirte to newspapers and TV news channels about the fraud case.
>>Kishor.
>>On Fri, 03 Apr 2009 Customer Care wrote :
>>>Please add customer.[protected]@icicibank.com to white list/safe sender list.
>>>Otherwise, your mailbox filter or ISP may stop you from receiving your
>>>e-mail statement.
>>>
>>>
>>>Dear Mr. KISHOR PATIL
>>>
>>> Payment on your ICICI Bank Credit Card account no 5177 XXXX
>>>XXXX 2009 is due on 07/04/2009. You may choose to pay the total bill
>>>amount of Rs. 461.41 or the minimum amount of Rs. 100. Please ignore
>>>this message in case your payment is already made.
>>>
>>> Regards,
>>> ICICI Bank Credit Cards Team.
>>>
>>> _____
>>>
>>>This is a system generated mail. Please do not reply back to this email
>>>ID. If you have a query or need any clarification you may:
>>>
>>>(1) Log in to your account online and write to us through Accounts
>>>Manager,
>>>(2) Visit the 'Email Us' link at www.icicibank.com to send us an e-mail
>>>or
>>>(3) Call our 24-hour Customer Care
>>>
>>>Discover a new way of paying your Credit Card bills from your bank
>>>account anytime anywhere by using ICICI Bank iMobile. GPRS users, SMS
>>>iMobile to 56767661. For details, please click here
>>><http://www.icicibank.com/pfsuser/channels/mobile/imobile/imobile...⇄ .
>>> _____
>>>
>>>CONFIDENTIALITY INFORMATION AND DISCLAIMER
>>> This email message and its attachments may contain
>>>confidential, proprietary or legally privileged information and is
>>>intended solely for the use of the individual or entity to whom it is
>>>addressed. If you have erroneously received this message, please delete
>>>it immediately and notify the sender. If you are not the intended
>>>recipient of the email message you should not disseminate, distribute or
>>>copy this e-mail. E-mail transmission cannot be guaranteed to be secure
>>>or error-free as information could be intercepted, corrupted, lost,
>>>destroyed, incomplete or contain viruses and the ICICI Bank accepts no
>>>liability for any damage caused by the limitations of the e-mail
>>>transmission.
>>> _____
>>>


On Sat, 11 Apr 2009 ICICI Bank Customer Care wrote :
>Dear Mr. Patil,
>
>
>Further to our telephonic conversation dated onApril 11, 2009,
>we inform that as your credit card account has been permanently deactivated due to non receipt of payment an amount of rs. 15, 513.66 has been debited from your savings account dated on March 19, 2009 and there is an outstanding balance of Rs. 461.41 as on date.
>
>Sincerely,
>
>
>Venkatesh
>Customer Service Officer
>ICICI Bank Limited
>
>"ICICI Bank now offers 8.50% p.a. on fixed deposits for 390 days and 590 days, 8.75% p.a. for 990 days. Please contact any ICICI Bank branch."
>
>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: kishor kisan patil (
>[protected]@rediffmail.com
>)
>Date: Friday, April 10, 2009 12:00 PM
>To: ICICI Bank Customer Care (
>customer.[protected]@icicibank.com
>)
>Subject: Re: RE: Re: Payment due date reminder
>
>Dear Mr. Ahmad,
>This is not acceptable.
>I have myself made hard attempt for change of adress and e-mail id.
>I think ICICI is making business by not allowing account holders to update the information and creating the situation for making defaults and putting up penalty and financial charges.
>I had made the payment, given cheque nos to your customer care executives and the executive who came to my house for adress verification.
>You have allready stolen my money from my account without my knowledge.And still you are again asking for other finance charges. If you have allready recovered total due money along with finance charges and penalty how can you still charge finance charges to me in this month?
>And as off you have taken all money why my card is deactivated?
>If you will not return all my money I will put a case in consumer court.
>Kishor.
>On Wed, 08 Apr 2009 ICICI Bank Customer Care wrote :
>>Dear Mr. Patil,
>>
>>We regret the inconvenience caused to you.
>>
>>As an ICICI Bank Credit Card holder, you are governed by the terms and conditions of the Card Member Agreement, under which you have authorized the Bank to debit your ICICI Bank account to the extent of any outstanding amount due on the Credit Card that proves to be un-collectable from you, and other amount due to the Bank by you in terms of the Card Member Agreement.
>>
>>The relevant extract from the terms and conditions is set out hereunder:
>>
>>"In addition to the general right to set off or other right conferred by law or under any other agreement, the Bank may, without notice, combine or consolidate the standing balance on the Card Account with any other account(s) which the Card member maintains with ICICI Bank and its Group Companies, and set-off or transfer money standing to the credit of such other account(s) in or towards the satisfaction of the Card Member's liability to ICICI Bank under his/her Card Account."
>>We further state that the Bank has a bankers' lien on your account as statutorily granted and available to any bank in accordance with our rights as set forth above.
>>
>>We inform you that the credit card is permanently deactivated due to non receipt of the payment.
>>
>>The total amount outstanding on your credit card account is Rs.461.41 as on April 07, 2009.
>>
>>We request you to make the payment to avoid financial charges.
>>
>>You may change the address online. Please follow these steps:
>>
>>Logon
>>to
>>www.icicibank.com
>>with your User ID and Password.
>>Click on 'Cards'
>>Click on 'Other Request'(Under Service Request)
>>Click on'Request for Address Change'.
>>
>>Alternatively, you may contact our 24-hour Customer Care for the address change.
>>
>>Please click on this link to get the Customer Care contact numbers:
>>
>>http://www.icicibank.com/pfsuser/customer/cuscarenos.htm
>>
>>Sincerely,
>>
>>Ahmed
>>Customer service officer
>>ICICI Bank Limited
>>
>>ICICI Bank now offers 8.75% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch.
>>
>>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: kishor kisan patil (
>>[protected]@rediffmail.com
>>)
>>Date: Tuesday, April 07, 2009 12:49 PM
>>To:
>>[protected]@icicibank.com
>>(
>>[protected]@icicibank.com
>>)
>>Cc:
>>customer.[protected]@icicibank.com
>>(
>>customer.[protected]@icicibank.com
>>)
>>Subject: Re: Payment due date reminder
>>
>>Dear Sir/ Madam
>>I am fed up with ICICI. Your customer care execuives don't know how to talk to a customer.
>>
>>My biling adress is changes as I have changed my job. I have requested for change of adress several times to your customer care executive in the month of december 08. I had also sent a mail for change of adress and e-mail id. Nobody took the request stating your cheque book request is under progress and they cannot take another request for change of adress.
>>Last month again i called up your customer care executive for change of adress.
>>Then they sent me the bills. I had informed them that the balance payment which they were showing is allready paid by me by cheque. I had also given the cheque no to customer care executive and the person who came to my new adress for adress confrmation. And requested to remove all finance charges and late payment charges put in my account.
>>Ignoriong my request you directly debited money along with finance charges and late payment fees from my savings account with ICICI.
>>Who give you the permission to do so? How can you take out money without my knowledge that also when I paid the money.
>>Either you check your account, clear issue and pay back late paymnet & finance charges or else I am going to put case in conumer court.
>>I don't have any belief in ICICI I am also going to close my account and credit card. I don't want to keep any relationship with ICICI hence forth and also going to wirte to newspapers and TV news channels about the fraud case.
>>Kishor.
>>On Fri, 03 Apr 2009 Customer Care wrote :
>>>Please add customer.[protected]@icicibank.com to white list/safe sender list.
>>>Otherwise, your mailbox filter or ISP may stop you from receiving your
>>>e-mail statement.
>>>
>>>
>>>Dear Mr. KISHOR PATIL
>>>
>>> Payment on your ICICI Bank Credit Card account no 5177 XXXX
>>>XXXX 2009 is due on 07/04/2009. You may choose to pay the total bill
>>>amount of Rs. 461.41 or the minimum amount of Rs. 100. Please ignore
>>>this message in case your payment is already made.
>>>
>>> Regards,
>>> ICICI Bank Credit Cards Team.
>>>
>>> _____
>>>
>>>This is a system generated mail. Please do not reply back to this email
>>>ID. If you have a query or need any clarification you may:
>>>
>>>(1) Log in to your account online and write to us through Accounts
>>>Manager,
>>>(2) Visit the 'Email Us' link at www.icicibank.com to send us an e-mail
>>>or
>>>(3) Call our 24-hour Customer Care
>>>
>>>Discover a new way of paying your Credit Card bills from your bank
>>>account anytime anywhere by using ICICI Bank iMobile. GPRS users, SMS
>>>iMobile to 56767661. For details, please click here
>>><http://www.icicibank.com/pfsuser/channels/mobile/imobile/imobile...⇄ .
>>> _____
>>>
>>>CONFIDENTIALITY INFORMATION AND DISCLAIMER
>>> This email message and its attachments may contain
>>>confidential, proprietary or legally privileged information and is
>>>intended solely for the use of the individual or entity to whom it is
>>>addressed. If you have erroneously received this message, please delete
>>>it immediately and notify the sender. If you are not the intended
>>>recipient of the email message you should not disseminate, distribute or
>>>copy this e-mail. E-mail transmission cannot be guaranteed to be secure
>>>or error-free as information could be intercepted, corrupted, lost,
>>>destroyed, incomplete or contain viruses and the ICICI Bank accepts no
>>>liability for any damage caused by the limitations of the e-mail
>>>transmission.
>>> _____
>>>














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On 26th June, 2009 I opened two FDR's agst which bank has issued me One Insta Credit agst FDR.from ICICI Bank Malad(W) Mumbai

Credit Number is [protected] bank assured me that it will be activated within two working days.

Till date it has not been activated.

I have been in contact with Customer Service and Visited Bank Branch personally but no response till day.

palease send my car loan statement regularly on my email address

Dear Sir
We have a joint saving cum DEMAT account with ICICI bank habsiguda hyderabad . I purchased four tax saving Mutual funds. now we want to close the both account hence we want to dematerialased mutual funds as we can not sell it because they are in lock in period and so we applied for the same on the formate of ICICI BANK but our plea for materialization was turn down on the plea that mutual funds purchased from a on line jiot accont can not be dematerialesed and we can sell the MF as they are in lock in period.
It is requested to look in to mater and do the needful
Manoj Dixit

I was using an credit card of the bank
issued to me around 3 years back. Bank has sent me an EMI card without
explaining me the terms or condition of card without any application . I was
of the impression that this card has the same features i m using earlier may
contain emi features additionally. i have used that card first on 29 th dec.
08. when i have seen the online statement after two days this transaction
has been converted to emi without my knowledge. i have made the payment for
the purchase price on the same day and mail to bank that they should reverse
the charges as i dont require emi facility.

But bank hs not reversed the charges and i m getting calls from the bank now
for payment which they have debited on quarterly basis for delay in payment
while i hv made the payment within two days of the tranaction as and when i
come to know that every transaction will converty automatically.
i hv never applied for this card and not accepted any terms and condition of
the card.

Dear Sir.

Please refer to my complain to ICICI Bank - SR[protected]
Posted:[protected] by Alwyn Barretto

Today I received another call from ICICI Bank stating that they are still working on my complain lodged with Bank personally on 4th August 2009 and that they will now revert back to me on the 18th of August. Earlier I was assured that within 7 working days my complain would be addressed and the error rectified.

With todays call I feel more and more insecure as the person who gave me the call had no answer or confirmation to give by which date my money would be returned back into my account. I am already feeling very helpless. And I dont know how long will this take to have the error rectified and my money returned back to my account. What bothers me is that the person could not even give me a date by which my money would be returned to my account. I fail to understand why I was given as assurance of 7 working days when the Bank was/is well aware that they could not get the same reversed within the stated days. I dont know where to take this compain no SR[protected]. Which person/office can help me get back my money.

Please advice. I am a law abiding citizen and expect that my complain be addressed immediately. I dont intend to malign anyone/anybody but atleast expect somebody from the Bank to take up for my concern and resolve the same. I am part of professional societys/communities in my profession and certainly would not like to be forced to take up this matter at such level to be resolved. My sincere request to ICICI Bank whose loyal customer I have been for the last 7 or more years to resolve the same immediately.

warm regards,
Alwyn

Dear Sir/ Madame;

Kindly note my complaint is against icici bank for unlawfuly action on my account no:[protected].

Kindly note this particular account has been marked with a negative balance of Rs 19, 600/- as on July 2009, with the reason that my Icici micro loan of loan no: LIMUM [protected], amount of Rs 19, 000 is duw on it.

Kindly note my Icici micro laon of the number as above had been...

This is to bring to your kind notice i am having a saving a/c no[protected] at ICICI bank, Saharanpur . I used the debit card of ICICI Bank in the ATM of IDBI Bank to withdraw money of Rs 1000/- on dated 06.07.2009 but could not withdraw due to some error code no 072 and my transaction declined, unable to process. but next day(Dated 07.07.2009) i found from my mini statement Rs 1000/ has been debited to my a/c no[protected]. As i have given a complaint on dated 07.07.2009 to ICICI Customer care (Complaint No.[protected], but no action has been taken by IDBI (As per Customer Care ICICI) till 24.07.2009 and again given the complaint No. SR[protected]. On dated 24.07.2009 they have credited Rs. 1000/- against my complaint and againg on dated 27.07.2009 debited Rs. 1000/- from my account and giving the reason benhind "transaction id was wrong in previous Service Request No.". Again dated 30.07.2009 they has given me SR no and communicated to wait for 8 days. Till the date amount is not credited in my account.Pls look into this matter seriously and reply me.

DETAIL are:

06/07/2009, VAT/CASH WDL/05-07-09/22:45:00/0

TRANSACTION DECLINED
RESPONSE CODE 072
UNABLE TO PROCESS

I have deposited Rs. 2000 at ICICI bank's ATM at BOC-ATM on date 22/07/2009. But on date 23/07/2009 Rs. 1500 has been credited to my A/c no.[protected] at New Alipore Branch, Kolkata. On calling to Phone banking on 23/07/2009, they said that Rs. 500 was found short by them, and directed me to contact the Branch for clarification and to see the video as the cash is counted under camera.

On 27/07/2009, I visited New Alipore branch, and then I came to know, that the cash deposited at ATM's are counted by third party, and not by the bank, and they do not have such video available at the branch.

i have submitted a written complaint, to the bank for verification on 27/07/2009. I, may be wrong and have wrongfully deposited short cash, but I want to ensure and to see the video and the envelope in which the cash was deposited.