ICICI Bank Complaints & Reviews

NAME: CHANDUBHAI D PATEL
LOAN NO.: LBVLD[protected]

SIR, I ALL READY PAY MY FULL EMI TO ICICI BANK FROM 8 MONTHS AGO. BUT STILL BANK CAN NOT ISSUE ME MY NOC AND MY ORIGINAL DOCUMENTS. I ALL READY COMPLAINT TO SURAT BARANCH AND ALSO COMPLAINT TO BHARUCH BRANCH AND SUBMIT MY DOCUMENT AS A PROOF BUT STILL I AM GETTING LETTER FROM ICICI BANK REGARDING OUTSTANDING AMOUNT OF RS. 7991.
PLS DO NEED FULL IN THIS MATTER.

THANKING YOU,

CHANDUBHAI D PATEL

I had taken the Home Loan on June 2006 from ICICI Bank and subsequently had to shift to public sector bank in the next 2 years because of irregularities, disparities and total discomforting experience I was made in those years.
At the time of closure they sent me the final IT cerficate via email in a format that which was NOT readable on the computers. The reason was it was missing a font format on the systems I tried opening the file. I even wasted my time searching to download the FONT and try opening the file. After much a do, I filed a request on June 16, 2009 at the customer care (SR #[protected], which stated the the same shall be delivered within 7 business days.
On July 1, 2009 I again called up the customer care giving reference to my service request, to my astonishment I found that the document had already been delivered to someone names - "Rakesh". However I donot have any one by that name in my family.
I am utterly dissatisfied by the approach ICICI handles it's customers and their greivences.

I am holding 5 Cash less card and its nearing a year, the card validity is suppose to expire, every time I ask, i am told that they don't have their center or availability to use cashless card.

Now I wanted to know the nearest center to where I am located, I have made approximate 8 calls and finally reached customer care, where Elizabeth was asking for my policy No. and then she says that I cannot give the information now as servers system is down since 3 days.

Dunno what they do and how can customer avail the facility, sometimes it looks like its fake and way of making money, which ever place you ask and they say that they do not have the facility there.

I feel like I was cheated by getting this policy which is of no use to me so far and I have spent more then 50, 000 rupees in cash for my kids and wife's medical.

Hectic

i amardeep singh taken EDC service from icici bank & my MID[protected] TID[protected] & the last transaction of RS-11780/-on[protected] bank not given the payment they said u close ur account we wont able to givepayment & i replied have already open new account in ther bank in another branch & i also given request to link the EDC service to fresh account but they not linked & said i[censored] want ur cheque u have to widhrawl the EDC service then the bank made ur payment by cheque i do the same & bank collect ther machine on[protected] but they not given my payment cheque till now & i call customer many times regarding my cheque they replied nothing.

I operated ICICI ATM machine at Sec 7, Gurgaon and withdrew Rs5000/ on 24.6.2009. One Rs500/ note appeared fake and I told about it to the guard. I also entered details in the diary kept overthere. Earlier also I have received fake currency note from ICICI ATM outlet. Now I want the bank to respond to this as it is not an isolated case. Other people have had similar complaints.

I have done 2 tranaction of railways so according to that i have to pay 3 + 3 EMIs but it was a error from bank and i wrote tham regarding the same also they aggree and mail stating sorry but after 20 days when i recived the statement it was not at all the mistake was rectify .
with reference to the mail from ICICI BANK it clearly states that the both the entries are nullified than why i am being charged 4 EMI in my latest credit card statement dated 21/06/2009 instead of 2 EMIs, as i have called the call center executive and they are not able to slove it and not able to answer the same and always put me to the main menu and that had happen 8 times always i put my point and he transfer to the main menu again a i had to put it all the detail and card no and password and again when i tell him that i have been charged 4 EMIs instead of 2 EMIs he do the same putting me to the main menu please do the needful as you can understand how painful it is to call the customer call number for 8 times and that to for a pregnant lady as i am doing the same since last month and after doing the same i got the below mail than to i have to start again as i would like to discontinue with this card and please bill me all the totals outstanding as it very stressful for a pregnant lady to do all this thing with a baby of 9 month in her hand.
Also i have a mail from railways that the amount of both the tranaction has been refunded to bank on[protected] and i was charge for only 2 tranaction than why ICICI bank is charging me for 4 tranaction .
Pleas do the needfull as i am very much fadeup with ICICI credit card.

I have a demat account with ICICI direct since 2003, ... Last 4 years, every year they are asking me to submit the application form and other proofs...reasoning that they have lost all my information in 2005 floods... However after that i have already submitted all information atleast for 3 times... Now they have de-activated my demat account and am not able to do any transactions... although they are charging me for this service... i have few lakhs of shares in my account and since am not able to do any transaction... i am loosing money...
This is causing me huge mental trauma, financial and emotional harrassment... pls help
Regards
Sandeep
[protected]

Dear Sir,
I have taken Auto Loan from ICICI Bank, Guwahati, almost 36 instalments are paid. Only 24 instalments are to be paid. Beacuse of loss of Job since December I could not pay 4 instalments. Earlier seven instalments were lapsed and The Recovery manager Mr. Manas Choudhary- [protected] was never so aggressive to use abusive ways through the network of Recovery agents. I paid all the seven instalments with in two months. Now only 4 instalments are lapsed and Recovery agents are using all sorts of Abusive ways of Recovery that is against recent RBI Regulations.
1. The bank is using more than 20 unknown numbers to make threatening calls: I am giving few of it: [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected].

Sir, these are few of those numbers which are saved in my cell. there are more numbers through which ICICI Collection manager is harrassing at Odd times, on Sundays etc.

I have assured the manager that with in two months all dues will be paid. But he, may be, under influence of some local companies, who want to hire me on Cheaper salaries, which I refused, is harassing me this time like any thing.

Pls. help me in undue harassments by influenced ICICI Collection manager and its team.

dear sir,
i had worked in icicibank from september 08 to march 09.
i want to widhraw my p.f. so please send p.f. form for settlement at my postal address.

My Name is Rohit Singh and I opened a saving account on 28th May 2009 at Indiar Nagar Branch in Bangalore and activated on 9th of June 2009 but when I went online to register for verified by visa for online transaction I felt astonished because I entered my correct card number and login Id and password and pressed next button for register a message came "this is not valid card number, enter valid card number" and I tried several...

Hi,

I am very much frustated and dissatisfied from the services of icici credit cards (rewards point).
I am holding 4-5 icici credit cards including platinum, gold, silver, amex and virtual.
From last 1 year, i ried to redeem points but only 1-2 items (waste) available for me, every time your customer care told to wait.

Issue -- Now i got to know that all my cards are having main card as Amex type, and for that reason i can redeem only 2-3 items but simple gold and platinum holders can get a big list of items.

I go through some conversation with customer care they are not ready to help and even they suggest to cancel all these cards and freshly apply for paltinum if i want. They even not ready to issue imint card on top of my any credit cards.


Finally i registered complain -- SR[protected], with one hour long call your customer care people give me the resolution by sending me 'Gold Card Gift List'. When i got list i having 6-7 items only.
I tried to call customer care again and want to order one item from list, and again customer care people told that they will not give this gift to me, i give all refernce of complin also but they refused to give gift.

Now i want one staight answer, you people will give that or not ??? if not i happily want to cancel my all cards, and update the same to my company HR so thay will take care next ... b

becuase the feeling is that .. you don't care customer----i am having 4k+ points .., done 4-5 lacs tarnsaction per year...and ... my friend with simple gold card will getting all gifts but not me... its ridiculous...


--
Thanks And Regards
Vipin Panwar

I had taken Auto Loan from ICICI Bank, Guwahati. Due to loss of my Job I could not pay the Four Instalments. Befor that my Seven Instalments were lapsed and were paid back. At that time Bank officer Mr. Manas Choudhary[protected] did not put such pressure. Now while four instalments are pending, but mr. Choudhary, influenced by the same company which I left and do not to join again, is puttind undue pressure.

I asked him to send an email what he was telling verbally that 29th June 2009 is closing date, he furiously refused it.

Sir, some local companies want to hire me on cheaper salaries which I refused. Mr. Manas Choudhary and few of his collection agents-Mr. Diganto Gogoi-[protected] are designing to put pressure on me influenced by those companies.

Sir, pls. help me out, I will pay all the dues of Bank before October 2009, as I am in process of getting good assignments. Because of General elections 2009, I could not get any assignment for last three months.

I am a Business Development Consultant at Guwahati.

I am a regular customer of ICICI Bank Credit Cards Since 2004. In the month of April'2009 I have paid my Credit Card Bill's Minimum Amount due Rs. 3000/- by cheque vide cheque No. 124444 favouring ICICI BANK CREDIT CARD WITH MY CARD NO. But in the Next Month, i.e in the month of May, statement didn't show credit of said cheque to my Credit Card account.

More over, they charged me late payment fee & interest charges. on my inquiry, they waived the late fee and interest charges levied on late fee. but didn't credited my cheque of Rs. 3000.00 in the said account. I went to my Central Bank from which I have issued cheque of Rs. 3000.00. The Bank personnel told me that the amount is debitted from my a/c in favor of Credit Card. Again I went to ICICI Bank Navsari Branch with my Central Bank's statement. but they are still ignoring that my cheque is not credited in my said credit card account.

Settlement of the Credit Card was declared by the company settlement department along with the issue of settlement letter. Company had sent their collection agent to whom the cheques were issued for the month of feb and march.

Regular account balance was maintained but the company did not represented the cheque and debit my account.

Further to the above, company ICICI Bank had frozen my account carrying balance more than the settlement amount.

Visited ICICI Head office in Bombay and in Delhi, bank does not have the records of the cheque issued to the recovery company.

Further to the above on representation of the receipts along with the copy of the cheques issued at rohini branch, New Delhi. Bank official claims that the receipts issued by the settlement agency on behalf of ICICI Bank Credit Card department is fake.

The Bank after 15 days of regular followup unblocked my salary account with a debit of Rs. 8000 without intimation on the prior and defaulting the arrangement made by the credit card division.

Wish to unlink my salary account and settle the outstanding of my credit card as previous arrangement agreed between myself and the bank.

Regards,
Nishant Grover

e-mail: [protected]@yahoo.com, [protected]@ial.com

i want to know that when the dividend was declared of below companys.

ICICI Bank Ltd.
Vijaya Bank
RNRL
R Power

sir,
i am Girdhar Panjwani & i was using icici bank a/c refering to this no.[protected]. i am highly disappointed by the transaction amount being charged by you.i have already send you written application of closing my account but no action would be taken by you against this request. I hope this time bank will take my application seriously & will close my account as soon as possible, otherwise i'll take any bad step against you.

Girdhar Panjwani
[protected]
GWALIOR.

Dear Sir,

I need to bring to your attention my experience as an ICICI Bank customer.

My Name is Vishal Dewan residing at Sec 56, HUDA Plot 430, Gurgaon - 122002. My Wife had an Icici credit card for about 2 years. We had got the card closed in April 2008 as an ad-hoc Icici card which we had got lost. At that time the balance (principal + interest) was 38, 000 rupees. We got the card stopped and were continuously paing every month In March 2009 we received a call from Icici Mumbai Office that the settlement has been done in 24, 000 rupees, without talking to us or informing us. The card limit is 48, 000. There was a lien put on our icici account and 9, 000 was deducted against the credit card. we stopped paying and called customer care and asked for help to settel this card and were ready to pay what we can. That's when my trauma started. My wife was subjected to unending calls asking for the money.


We called at icici customer care to settle the credit card several times to no help and avail. Now since past few days we have been receiving calls from Icici collection agency agent Sandeep. His phone number is[protected] who claims that his agency is in sec 14 gurgaon. Even after informing the caller of the situation, the calls did not end and at times were threatening in nature. He came to my residence and started abusing me yesterday 25th June2009 and demanding for 25, 000 rupees for settlement. I told him that I am going through financial crisis and can pay upto 8000 or 10, 000 rupees. Infact he refused to show his identity proof and any contact information related to him and started threatning "tu dekh, tere baat samajh main naa aa rahi hai naa, tu dakh ab".

Now my wife is trembling and today is suffering from, permanent incurable phobia due to ICICI Bank recovery agents. She has ruined her mental and physical health both because of horror of ICICI Bank recovery agents. Today she is suffering from much health related tensions including insomnia because of ICICI Bank torture for the agony caused to her.

Some illegal acts done by Mr.Sandeep

1. Shouted at me.
2. Used foul and raw languages
3. Gave threats and was very abusive.
4. Taunted and tried to humiliate.
5. he says that he is a local resident and can do anything to make my life hell which he already did.

And to mention a few words that he used, have a glance at the following utterances of that person –

1. "Jab tumhari paise wapas karne ki aukaat nahi hai to fir loan kyun lete ho"
2. "Ya to payment kar de, warna bahut tarike hain bank ke paas paise lene ke"
3. "Ek o tu payment nahi kar raha hai, aur upar se pooch raha hai ki identity card dikha".
4. "dena to parega saale, , "BC"

These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behaviour and language, which is legally and ethically against the Human Rights and Indian Penal Code.

We are in financial crisis and I have to support my family and do not have that amount of money what he is demanding.

However during the course of loans, paying EMI - Business, health, and services can cease or pause, Natural disasters, casualties, diseases, accident, incidents, profit and losses are beyond human controls and bank should understand it. Wise bankers should not consider every client as cheat or slave. During such situation if the client fells, Bank should cooperate and not traumatize and humiliate their customers. During such destiny laid stages, if the bank could not support the hospitalized client (loan taker) on ventilators at least it should also not try to pull the tubes of oxygen.

In all fairness, ICICI Bank should have at least checked our credit worthiness before going on this harassment and hounding 'rampage' till we had no option but to carry out our own investigation and point out the problem your Bank.

We hope that you take note of this experience and prevent the same from occurring again.

If this does not stop then I will go to the court of law/consumer forum, circulate the message to the news groups, and caution all my friends about the incident.


A copy of his letter will be sent to following people/email ID's –
[protected]@aajtak.com - for necessary coverage
[protected]@indiatv.com - for necessary coverage
[protected]@zeenews.com - for necessary coverage

Some actions taken by RBI

Note: Wednesday, April 18, 2007
Allahabad High Court verdict against use of Gundaas by ICICI

Here's a verdict by Allahabad High court against ICICI Bank's illegal methods to use gundas to manhandle consumers for recovery of loans
Pl read this link
http://www.allahabadhighcourt.in/ejurix/servlet/WebViewJudgementDirectly?method=...⇄
Note- Pl find the attached RBI Guidelines for the recovery agents.

We hope that you take note of this experience and help us.

Appreciate all help & support.

Thanks!
Vishal Dewan
[protected]

Hi,

This is Amol Ghadigaonkar regular customer of ICICIBank for last 6 yrs. I was happy with the service they provide to the customer. But this month due to some issue i didnt pay the minimum amout of due i.e 300Rs. and now bank charges me with Autodebit return charges of 600 and added Rs. 250.

So against Payment of 300rs. ICICI charges three different charges Rs.300, Rs. 300 & 250 .
My credit card number is [protected].

21/06/2009 Service Tax Rs. 61.80(DR)
16/06/2009 Service Tax Rs. 25.75(DR)
15/06/[protected] Auto Dr.Retn-Insuff. fund Rs. 0.00(CR)
15/06/2009 Late Payment Fee Rs. 600.00(DR)
15/06/[protected] AUTO DEBIT RETURN FEE Rs. 250.00(DR)


Please advice.

MY NAME IS JITENDRA SINGH I HAVE LEFT THE JOB FROM ICICI BANK TO 16 SEP.2008 AND I HAVE ALREDY SENT THE PF FORM FOR MUMBAI IN PF OFFICE FROM DATE 30 MARCH 2009 PLEASE REVERSE MY PF AMOUNT.
EMP. NAME 519299 RAIPUR BRANCH FROM 23 SEP.2007 TO 16 SEP.2008. AS A BDE SE !!

I have tried to withdraw 20, 000rs from my Icici A/c through State Bank Of India ATM on 15 June 09 in Haldwani. I made two transactions of Rs 10, 000 out of which I got my 10, 000 for the first transaction but for the second one I got a message that last transaction failed & I havent recieved the money, but the very next day I got a message that the same amount has been deducted from my A/C. I have made a complaint for the same in Icici bank on 16 June 09, they told me that the amount will be credited to your acconut but till now it has not been credited to my A./C, i am not getting any satisfactory answer from there side, everytime when I am asking them about my complaint they are asking me to wait till 30 Of June they are not giving any confirmation whether I will get my money back or not. Please take necessary action & guide me what to do next.

Copmplaint No. is - SR[protected]