ICICI Bank Complaints & Reviews

On 01/07/2009 I tried to withdraw Rs. 5000/- from ICICI Bank ATM [ S1CW2847 ], Ambedkar Chowk, Aundh-Khadki Road, Pune from my State Bank of India saving A/C No.[protected]. I got "TRANSACTION DECLINED", "UNABLE TO PROCESS", "TXN NO: 4084" slip.

I surprised when I came to know that amount is debited from my account i.e. showing withdrawal of Rs. 5000/-. Therefore, I would like to request you to the needful so that the amount (Rs. 5000/-) shall be credited back to my saving SBI saving account, at the earliest.

I went to the SBI Bank to lodge a complaint, he said you have to lodge complaint to ICICI bank and ICICI bank is saying that SBI has to take the complaint. So I dont know what to do. So please take this complaint as soon as possible and resolve the matter.

Thaning you,
Sanjay kumar Sahay

BITS-Pilani, Goa campus
Goa
E-mail: [protected]@yahoo.com

Dear Sir/Madam,

I received a call from ICICI bank representative for subscribing to the utility bill payment service. I accepted the offer and got subscribed. I was confirmed that bill is not paid for the 1st month after subscription, but the complaint is for non-payment for the second billing date. Before the date of my bill payment, i confirmed twice at ICICI bank customer care that my bill payment shall be done by the bank or not and was assured of the same.

My bill was not paid and the biller (Tata indicom) informed me that payment has not been made and my serivces shall be terminated in case not paid soon. I de-register the service because of this failure from Bank's part and wanted bank to bear the late payment charges.

After 6weeks of my follow up on customer service and email exchanges on icici bank account, i get response that these charges shall not be paid by bank. Customer care directs me to online email channel to account manager and account manager otherwise. Pls see attached logs of email exchanges which i could produce as evidence.

I seek late payment fees as well as want bank to be penalised by min Rs.5000/- for not only not adhering to service committed but also cause harassment in follow-up and wasting my time in doing so.

Pls help on the resolution of the same.
Thanks in advance.

Regards,
Abhay

Dear Sir,

sub : Did not receive amount from ATM after Failed Transaction. dated on 10 june 09

I had made a failed transaction at an ICICI ATM ( ATM ID : S1CW3817) at Kaloor, Kochi - kerala on 10th JUNE 2009 for Rs. 3000/- . All I received was a message stating ‘TRANSACTION DECLINED ’ and I didn't receive the amount .
After that I went to the HDFC Bank ATM at Kaloor, Kochi - kerala and made a withdrawal for Rs. 3000/- and the HDFC transaction was successful and I received the amount 3000 .
When I checked the online account statement I noticed that the amount of first transaction has been deducted from my account. I request you to kindly look in to this and take steps to reinstate the disputed amount at the earliest.

Account Details as given below..

Name : NISHAR.T.M
Account Number :[protected]
Branch : Irinjalakuda, Kerala
Mob No :[protected],[protected]

Hello,
This is Manojkumar Poduval, an IT professional from Mumbai. This incident dates back to July 2008.
I was fooled by a representative from ICICI who brainstormed me to purchase a credit card (number: [protected]) from ICICI which offered me the Life Insurance policy. This happened in July and i received the card in the same month.
The policy was associated with ICICI Lombard and the agreement was that I had to pay a nominal amount between Rs. 300 to 400 per month as premium charges towards the life cover. But to my surprise, I received a premium charges of Rs. 10, 619 in the following month (August 2008) alongwith my other transactions.
I tried approaching the concerned personnel at both the ICICI bank and ICICI Lombard. But was left toggling between the two companies. I received no response nor acknowledgements from any of them.
After several attempts and mailing, I received the following mail (The FIRST MAIL):
Dear Customer,

We request you to write to [protected]@icicilombard.com for details of the debit done by ICICI Lombard in your credit card account and for the process on how to credit the amount to your credit card account.
If any debit is done by ICICI Lombard 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 and hence we request you to contact only ICICI Lombard.

Sincerely,
Tulsi Sirivella
Customer Service Officer
ICICI Bank Limited

This has been ongoing from then till now. I have also faced the recovery agents who hav humiliated me for no reason of mine and also received calles from various representatives from J.B.Nagar branch, andheri east asking for settlement of dues. Very recently, on the 22nd june, a girl name priyanka - a collection office from the said branch, had assured that by paying a sum of Rs. 200 she would settle my case, which did not happen. Inspite of making the payment (receipt number: 8054399), I received a court notice yesterday (6th July 2009), (generated on 17th june) for a hearing on 27th June 2009.

This kinda tortrure and harassment is not expected from such reputed companies. After having tried all means, I understand that there is lack of communication and updation of records at the company's end, for which the customer has to pay the brunt of it.
Your officials are useless and just not worth the profile. It is best you shut down your organisation so that common people are not fooled and are not victims of hgarassment.
I hope to get a positive response from whomsoever concerned as as solution and an END to the story.

Dear Team,

I have been alloted Nano in the first lot itself. I had taken a bridge loan from ICICI and now I want to convert it to full one. For this I went to your branch at Delhi. Based on the particulars furnished by me, the gentleman was kind enough to announce that I am eligible for one. The first shock came with interest being charged at about 15% with SBI announcing loan starting from 8-9%. Anyways, to add to the misery he asked me to furnish details of any property under my name or my parent's name. But neither I nor my parents own one. So he said it might not be possible to get the approval on loan. Please find some of the details of self:

Working in MNC
Salary: 7 lakhs per annum
Experience: 2+ years

I have all the documents ready with me like Passport, Salary Slips, appointment letter, Driving License, Proof of permanent address etc.

Another major point is the Penalty Clause on non-approval of the loan which says that I will have to pay 5% of the total amount (1.2 lakhs) in case I am unable to take the loan. considering that interest for 1 year comes around 10k and penalty is 6k, it sounds really absurd.

This is the first time I have applied for a loan in ICICI and I guess it would be the last.

Having said that I still request you to kindly help me get an approval on the loan as I am least interested in paying a penalty of 6K with no fault of mine. I guess no one should have problem in giving a loan which is 1/7 of his yearly salary.

I have been DMA of ICICI Bank Pay Direct Cards for last 8 months and have made sales of more than Rs. 1800000 (Eighteen lacs) or 8000 cards. As per commission structure i was told for Rs 50 per card and will be credited to your ICICI Bank Savings account on 10th of every month for the sales done in previous month.
Since last 8 months i have not received and commission from the BANK and whenever i call the Regional sales manager Mr....

There some three unknown transaction that are showing up on the credit card account (all the three are airline tickes booked on 06.07.09) and I have lodged a compliant already with the concerned dept. of ICICI BANK through phone.

Also there is a transaction of about Rs. 354 done on 7th july which is no showing up the statement still... and i was told to send a scanned copy of a written compliant for the same.

I have only made a transaction of Rs. 538 towards Tickes in IRCTC on 06.07.2008 and the payment was done by the credit card by CITIBANK Payment Gateway.

My Credit Card No. is [protected].

I am attaching the photos of the letter and the account summar.


Plz cancel all the said transaction immediately. and block my card.


Regards
B.keerti
+91 [protected]

I am holding 1 bond under Bondholder No.[protected] & certificate No. 896. But till today I have not received final redemption payment.

I HAVE RECEIVED A CALL FROM ICICI 2 UPPER WOOD STREET AT 4.55 PM FROM PHONE NO. [protected] FOR SOME DUE PAYMENT OF SOME SUBHASH AGARWAL AY MY CELL NO. [protected], THOUGH I DON'T HAVE ANY ICICI BANK CREDIT CARD IN MY NAME. THE PERSON CALLED ME STATING HIMSELF AS ICICI AGENT FROM UPPER WOOD STREET HAVE MISBEVAED AND THREAT ME WITHOUT MY INVOLVMENT IN THE CASE. THE TALKS WERE VERY LOOSE AND FORCED ME TO LODGE COMPLAINT AGAINST THE AGENT AND ICICI BANK. SUCH TYPE OF POLICY SHOULD BE STOPPED.

Dear Sir,

I hold a icici bank credit card from the month of january i did not receive the credit card statement i use to get call from the recovery agent that i have to do the payment and i did the payment as soon as i received the call. it happened in the month of feb too hence i told the person who called that i am not receiving the statement i did the payment for feb also same was repeated in the month of march then i asked the person calling that i want the statement else i wont do the payment the person said that he has the delivery acknowledgement of the statements received by me i asked him to send the copy of same and i received the them but the acknlgments are not from any one from my family i have mailed icici bank for refund of the charges as the courier they have used is responsible for this and not me as i have earlier regularly paid my cc bills icici bank has refused to refund the charges and i have been charged for no fault of mine. i expect the refund of charges to my cc from january.

regards - prasad

Hi
I have a savings bank account with icici bank noida. I booked for a 390 day FD with the bank through Phonebanking on insistance of a telemarketing executve. The phonebanking person said that since I am applying through phone banking, FD receipt is not required and I can see the details online. The amount was debited on 14 August 2007 (maturity date 07 sep 2008) an could see my new FD account online. Then, the matuirty date passed and the amount didn't get credited to my savings a/c. I asked the customer care and they said the FDR has been sent to me by courier which needs to be deposited in the bank branch. I contacted the bank branch and explained the problem. The bank staff told me that I need to get then an indemnity bond indicating loss of FDR and asking for a duplicate FDR. They said that they will make the duplicate FDR and then accept that to credit my account with the maturity amount. They also said they will not pay me any amount for time the maturity amount is overdue. I am feeling so much harrassed and wronged. Firstly, I was given false information at the time of booking my FD (unfair trade practice). Secondly, I am not even given a savings bank rate for the overdue time (against the RBI ruling). Thirdly, I would have to spend money for preparing the Indemnity bond for which there is no reimbursement from the bank. Please help me. I am available on +91 [protected].

Application No.[protected]
LAN LBCHE [protected]

Though I paid July month's EMI towards Housing Loan, I received SMS from ICICI that I have not paid EMI for the month of July 2009. Kindly check Accounts whether the July 09 EMI has been credited to your account or not and inform me accordingly.

Also, I wish to state that I am not at all getting the transactions towards my Housing Loan. Kindly arrange to send it immediately free of cost regularly.

Thanking you,

T.D.MOHAN RAO

To
The Manager FROM,
ICICI BANK GLOBAL EARTH MOVERS
SALT LAKE SECTOR- I, BRANCH BC-149, SALT LAKE SCT- I
AC-04, SALT LAKE SECTOR- I KOLKATA-700064
KOLKATA-700064 PHONE.[protected]

Date. 04.07.2009


Re: Current Account No.[protected]
GLOBAL EARTH MOVERS

Sir / Madam,
The above account was opened on November- 2005 with the understanding that it will be ZERO BALANCE Account and there will be no hidden charge attached with it.

Suddenly on the last account statement it showed some hidden charges, after enquiry in the ICICI BANK Salt Lake Branch Dated. 30.06.09, 09.15 A.M. Token No. 32, Counter No. 4, I came to know that the balance has to be maintained with minimum balance i.e. Amount of Rs. 25000/-, otherwise some charges has to be paid. Moreover without prior information or intimation to me the bank has sent me statement with hidden charges .Such misrepresentation and behaviour from the bank is not expected.

Under such circumstances I am not wiling to maintain the account with your bank and so close my account immediately. Otherwise I will be force to take legal action against the bank.


Thanking You, GLOBAL EARTH MOVERS



PROPRITER

CC TO,
ICICI BANK LTD.
LAND MARK, RACE COURSE CIRCLE,
VADODARA-390 007, INDIA

I booked tata nano through icici bank, luckely I got selected in first batch of the delivery.. july-sept 2009.. as per tata moters website icici bank charges 13% for nano loan. but icici bank branch people says that intrest rate is 14.95%, If I want to move to other banks for loan, I need to pay the total booking amount i.e. Rs 140000/ than icici will give me the allotment letter, later I need to go to other bank.. when other schdule banks are chargeing 9% how icici can charge 14.95% this is cheating to public..

I have been holding credit card of your bank. Regular payer. This time your call centre is giving me a horrendous experience. My only suggesetion to people around me is go for any bank but not icici credit cards. I have skipped one month payment and informed that I would pay the amount on 7/8 july. But to my surprise the team is trianed to irritate people. I month 8 calls a day. 240 non stop calls. Not just that absolutely insolent people. and now I have started recognizing the voices also. They call up and intentionally irritate. What a system of bank. This is my first and last call. I will take strict actions against this misbehaviuour. I want some senior AUTHORITY TO SPEAK TO ME. or next time I will visist ICICI with my Lawyer. The bank cannot harras me for skipping a months payment.

I am having my demat account with ICICIdirect from January 2005. After a year they wrote me to submit all the documents as all the records were damaged due to Mumabi floods. Again I have given the necessary documents whenever I have changed my address.
After Five years of account operation now they have blocked my account stating that my documents submitted for accounts openings have rejected, when I am keep on writing they are telling as per NSDL guidelines they have blocked the account. Till date they have not come back with the exact reason, it is almost two months now.

I have become sick and tired of stupid customer care exectuive mail which is nothing but utter nonsense.

Now i want to close that account and open a new account with other service provided.

Please take care about icicidirect, it may land you in trouble when you least expect it.

Respected sir/mam,
This is to inform you that I have a two wheeler loan from ICICI bank for 17 months which is about to end in this month july 2009. In past 17 months there are several times my ECS didnot get cleared from from my SBI accout due to incorrect account number, it was a complete error from the banks end and now the bank is asking for returned payment fee however I had paid them by cash all those months, I have tried to communicated with the bank for the same and also send the documentation proving their fault.

I have always tried to co operate with ICICI bank through out however I really do not think it is my fault as my bank document shows it was inappropriate account number provided in all those months.

So I therefore request you to please help me with a proper guidence as to how can I deal with ICICI bank.

Dear Sir/Madem,

Ref. ICICI Bank personal loan A/C No.LICBT[protected]

With referene to the above loan i am paid loan and i have received No-dues certificate,
But still bank send to many letters and call for me and the ICICI Bank added my name to CIBIL.

Kindly do the needfull.

Thanks
Ramamurthy R.V....

Please see the reply of the great bank.How they are handling the customers requests.

Dear Customer,
Request Number:SR[protected]
We are currently unable to process your request. Please contact Customer Care for further clarification.
Please note: This is a system-generated e-mail please do not reply.
Sincerely,
Customer Service Team.
ICICI Bank Limited.

Taking loan in ICICI = hanging ourself

Dear Sirs:

I have a savings account as well as a credit card from ICICI Bank. I have a personal loan against credit card and I had been paying it without fail. My actual payment date is 27th of every month, but month by month, they changed the payment date and brought it to 16th of the month. During this process, they charged up to Rs. 700 per month as late charges twice and I paid it. They did not send me the bill on time and even did not send the bill for the months of October and November 2008. Despite no bill, I dropped a check for sufficient amount in an ICICI bank ATM and they cleared it after the due date.

Also, I took Rs. 25, 000 in the month of September and I paid back it before 1 month and I am waiting for the bill to pay the service charges. They did not send any bill for that also for 2 months consequently.

In the third month, showing late payment reason, they charged me about Rs. 1400 and from then, month by month, they were going on adding late fee and make the dues as Rs. 7, 860.61. During this transition period, I contacted them by e-mail, personally requesting to remove the additional charges, but they denied and cut the amount from my savings account without any prior intimation. After blocking the amount from my savings account, they send me a letter stating the same.

But, still they did not leave me peacefully and send another bill for Rs. 1289 to pay by the 16th of this month, the reason for this bill is again late fee, they only cut the amount from my account and again charging late fee against it. I feel harrassed by their attitude, unnecesarilly I lost almost 8, 000 rupees because of their negligence to send the bills on time, and still they are after me, do not know how long this will continue, please help me in this regard.

Sincerely,

T. V. Ramani