ICICI Bank Complaints & Reviews

Dear Sir,
I would like to get confirmation about my salary account. I was not using it for past 2 years. Now i asked someone to transfer money into thi a/c. So please check and let me infom about the current status of my account. My account details are :

Sudhanshu Kumar
[protected]...

I have redeemed one of these bonds but I don't know which one. Please help me in redeeming the bond which is overdue. My bond details are given below:

TAX SAVING BOND-022000-TSB

Bond holder No.[protected] Certificate no. 22149
Distinctive Nos.[protected]

TAX SAVING BOND-0199-TSB

BOND HOLDER NO. 5008-982 CERTIFICATE NO. 3561
DISTINCTIVE NOS.[protected]

I have been holding the ICICI Bank Credit Card since 2006 and has always been partyicular about my payments. In May 2009 I received the Statement for the month of April for an amount of Rs.10391.25. I issued cheque before the due date 15.05.09 and dropped the same in their ATM drop box on 12.05.09 but they have shown the receipt on 14.05.09 and the same was sent for clearance on 17.05.09. Later on due some technical fault (not due to insufficient balance) the cheque got bounced. later on I received a call from their collection agents and i was verbally abused and inexplicable foul languages were used even hough i repeatedly assured that the payment would be made in full after sorting out the issue with my bank. meanwhile they have stopped giving me the credit facility despite having sufficient limit. After being a loyal and active customer of the bank this kind of treatment and verbal abuses has shocked and given me pain and i have been suffering from mental depression due to this incident . please help ...

ICICI has issued a credit card against my existing primary card to some unknown person at distinct address without any request from my side for issuing a card. I had no knowledge of this, and now suddenly without even notifying me, ICICI has frozen my salary account and taken out 1L Rs out of it without my permission. I have trying really hard to get reply from these guys, but all i have got so far is that "wait for 45 working days to let investigation complete". Now I don't know how I am supposed to spend 45 days without any money.
Following is the mail that I have sent to RBI and ICICI:
[protected][protected][protected][protected][protected]----

CC: 1) General Manager (Department of Banking Supervision RBI)
2) ICICI Head Office (Mumbai)

To:
C/o Reserve Bank of India, 1st Floor,
6-1-56, Secretariat Road, Saifabad,
Hyderabad-500 004
Tel.No.[protected], 23243970, 23236766
Fax No.[protected], 23210248
Email: [protected]@rbi.org.in


Reg: ICICI Bank fraud and harassment to me for Credit Card No. xxxxxxxxxx-59029, which was never delivered to me.

ICICI bank has frozen my bank account against payment for a credit card which I do not possess & was never delivered to me. A credit card was issued to some unknown person without my knowledge and without any request from my side. I had no clue about this credit card and who was using it. I got to know about this only after 6 months, when ICICI bank directly froze my ICICI saving account. Now without my permission they have taken out Rs. 106530 from my saving account, leaving a balance of 0.77 paisa. This is my salary account and the source for my living, and right now I am penny less.
This is a fraud from ICICI bank where they first issued credit card to some unknown person without the knowledge of the account holder and then they slap the amount to the genuine customer’s saving account.
1) I am holding one credit card from ICICI, numbered: xxxxxxxxxx-59003 (Type=Amex). Phone banking officer told me that this card was disabled and a new card was issued against this one. Firstly I have never used the existing card (xxxxxxxxxx59003) for years, which I still possess; secondly I never raised a request for a new card or add on. Lastly there was no communication done with me by ICICI bank even if they issued one. I have even checked the mailbox of my ICICI account, and there are no messages regarding the same.


2) Further the customer care told me that this card was delivered at following address in Aurangabad. I have no links to this address:


3) As per my communication with customer care, PAN card was used as identification proof while accepting the delivery of credit card. However the PAN number which ICICI told me is not the same as of mine (I have attached copy of Form16 as my PAN proof). So, the card has been issued to someone else & my account has been frozen without any fault of mine.


4) As per my communication with customer care, the card was delivered on 16th Dec 2008 and transactions were made within next 3 days for around Rs. 1.48 lacs. These transactions were made in Mumbai where I have never been to in my whole life.



5) ICICI bank has now frozen two of my accounts (xxxxxxxxx435 & xxxxxxxxx017) without informing me and also have taken out Rs. 106530 from account xxxxxxxxx435 without my permission.

Now, I request your good self to take up the matter suitably with them and direct the Bank:

a) To reverse the amount to my account which has been withdrawn from my savings account on account of credit card which has never been issued to / used by me.
b) To unfreeze my salary account which has resulted in a lot of pain & harassment to me without any fault of mine.
c) To block / cancel the card in question.
d) To probe / check to whom the said card has been issued. It might be a case of mistaken identity / clerical error /negligence on the part of bank’s official which has resulted into such unpleasant situation.
e) To penalize the bank for such harassment to the law abiding citizens for no fault of theirs.
I am also enclosing copy of FIR, which I can do the maximum at my end, for the necessary action.







With Regards
Vikas Verma
Documents attached:
1) Copy of police complaint.
2) Copy of Form16 as my PAN proof.
3) Copy of written complaint to ICICI bank.

sir

intrest warrant not recived because of change of my residence address kindly send intrest to the below said
address

R.kamesh, 191/25 Malligere nilaya, Mariyappa building, Azad nagar 6th cross Chamaraj pet Bangalore-18
BOND HOLDER NO:[protected]
CERTIFICATE NO:38062
NO BOND:6 FACE VALUE/BOND:5000...

Sir,
I am Ganesan A stayed in a Mansion, Chennai, was worked in Cognizant Technology Solutions applied a ICICI credit card on 23/10/2007. A month later i got a call from the ICICI bank stated that my card was approved and the same person informed about the Lombard Insurance Mediclaim policy from ICICI Bank.
I informed that i havent received the card but he suggested that the card will be dispatched through courier within a week and i can apply for the policy verbally.
I agreed to apply for that policy as i can get the tax exemption and i have to pay Rs 370.00 monthly.


But i haven't received that credit card nor the Insurance policy documents yet. A year later in end of 2008, a lady from the Bank ask me when i'll pay the insurance amount and i informed them number of times regarding the above status as i havent received any card nor the documents. also i informed that i wont pay any amount because i was not benefited by credit card nor the insurance policy
Also I haven't signed any document,

Now while applying for a personal loadn in Axis bank i came to know that my name is in CIBEL.
While enquring in ICICI Phone banking they informed that my name is not in the credit card list an they are asking me to apply for a new card.

Kindly help me in this regard.
My date of Birth is 22/08/1982.

Dear Sir,

On the 14th of May 2009 I tried to withdraw an amount of Rs. 7000.00 using my Axis Bank Debit Card from an ICICI Bank ATM in Lokhandwala Kandivali East Mumbai and I received a Transaction Declined message with a Transaction Code: 072. However, I found out later that the amount was still withdrawn from my account even though the ATM hadn't dispensed the amount. I launched a complaint with Axis Bank and they said it would take about 12 to 14 days for the amount to be credited back in the account. Its been 17 days now and Axis Bank is saying that its in the hands of ICICI Bank and Axis cannot do anything. So I visited the ICICI bank branch in Lokhandwala ( Just next to the same ICICI ATM ) but they are refusing to cooperate saying that they cant do anything. I expected them to at least make some calls and find out whats going on at their end since it was their ATM. Could you please do the needfull?

Regards,
Nitya Sanath

Name: NITYA SANATH
A/C Type: SAVINGS
A/C No.: [protected]
Bank Name: AXIS BANK LTD.
Branch: Cuffe Parade, Mumbai (MH)

To all friends
I have been a regular user of the ICICI and uptill now. Last year One EMI Silver credit card was issued to me stating specifically that the card has an advantage of easy EMI of Rs. 2000/- p.m. plus the processing fee. Agreed on the same i accepted and used the card for buying two items worth Rs.47000/- considering that every month i will be charged Rs.2000/- which should be 24 installments in all. I was so convinced with the services of ICICI that i trusted them and started paying my EMI's right on time. Now after paying Rs.22000 (11 Installments) i cam to know that a interest of 1.99% is charged every month to my account. After calling the Bank i got the message that i have to pay Rs. 35557/- more which is 9000/- extra from the actual buying. Please be careful with these kind of cases and if someone can help me getting out of this situation i will be highly obliged as i am a service call person and its a very hard earned money. I have made up my mind that after settling this account i will surrender this card and my other ICICI cards and will never use them again in my life.
Jitender Sachdeva
[protected]

I have not received the account statement for payment schedule for my loan. I want to make foreclosure but dont know what is the remaining amount i have to pay.

Dear Sirs,

Please refer to interaction id by ICICI Lombard [protected].

This is to inform you that I have renewed a Health Policy # 4034/FNP/02240488/00/000 from ICICI Lombard General Insurance for two years and the payment was made for Rs.23, 061/- on[protected] one month in advance before the expiry date through credit card no. [protected] as a lump sum payment. As per my tele-conferencing with their representatives Mr.Vaibhav (contact numbers [protected]) and Ms.Kritika (contact numbers [protected], [protected]), and as per my request they had assured me to forward the same to the concerned authorities for conversion of the amount into 12 EMIs of Rs.19211.75 each without any interest and processing fees whatsoever. Not only that I received an SMS from ICICI Lombard regarding renewal of Policy
and conversion of premium into 0% EMI.

However, today I received a call from ICICI Bank Credit Card Department (contact number[protected]. They were adamant at the point that the amount can be converted into six EMIs and that a one time processing fees will be charged on the amount, which is absolutely unjustified as I had been assured of no interest or
processing fees. Not only that an overlimit charge has also been levied, which is further unjustified.

Please note that I have not received any document till now, as the same was supposed to be received within seven days.

Moreover, I had claimed for reimbursement of medical expenses for the same policy in the last financial year, which was already approved as per the representatives of ICICI Lombard and was supposed to be sent
within 21 days of the receipt of claim as per the insurance company representatives.

You are therefore requested to look into the matter and direct the insurance company/ bank to do the needful and reimburse the medical expenses claimed for over a month and to convert the premium amount in 12 EMIs
of Rs. 1921.75 each as agreed and assured by ICICI Lombard without any processing or other fees whatsoever and also to reverse the overlimit charge at the earliest.

Thanks & Regards

Sincerely yours
RANJAN THAKUR
Mobile No. [protected]

Hello I am Mukesh Agarwal,

I was holding ICICI Credit card Vide No. [protected]

Actually I was trying to book my air tickets using ICICI Credit Card, The value of the tickets were debited to my credit card account but the tickets could not be generated. When I contracted yatra.com they requested me get the transaction Id from the bank so that the tickets can be generated. Now on my repeated request I was denied the information even after requesting them to mail on my official ID registered with you.

In protest I stopped the payment and requested them to clarrify on the issue, that why a information belonging to my transaction is denied to me. But I protest went in vain as there is no body responsible to take care of ny complained and to reach them is the most difficult task.

I was regularly getting the statement after adding the late payment and the interest. Then I thought of resolving the issue and called them, and I was very specific that I am not doing any settlement rather told them that what ever amount i have used I will pay, but the late payment charges and interest should be removed from account, despite they offering the settlement less than the amount paid by me. i was told that your account will not go in defaulter list if the payment is made on that particular date. I made the payment as agreed vide DD No.011987 Dated 21/08/2008 of ICICI Bank Only and the same was acknowledged by the bank Vide receipt no. 6342604 and Letter No. HYD/451/[protected] DATED 21/08/2008.

But to my surprise still I am getting the SMS and email statements for the card which is closed in Aug, 2008. For the same I have already complained with ICICI and spoke to the customer care department, But all my efforts are not yielded any thing.

Now te concern is unlike other cases after a apan of 2-3 years I may get a claim of lakhs of rupees fro non of my fault. I request the concerned authority to look into the matter and resolve and also request them to remove my name from SIBIL.

Once again with a request I remind them to take neccessary action otherwise i may have to approach RBI for the same.

ICICI Bank has charged me on Cheque bounce. In this case i am the depositor of the cheque and receiver of the fund. I have heard that cheque bounce charges are levied on the A/c which doesn't have fund or signature mismatch or any other reason of bouncing the cheque. When i asked for the explanation ICICI Bank employee told that it is under RBI guidelines. In this case i want to know, where is my fault, I have got a cheque and i have deposited it. If something is wrong in issuer's account then why i should suffer for that. I am attaching the mini statement from my Internet banking A/c.

respected Sir/madam

please not down my complaint agenst ICICI bank i already paid full amount of my painding loan
at 24/04/09 they says your NOC will be come between 15 To 20 days. but till this date
they not get me any NOC letter SO please tell me what i do or revert above mail ID ASAP.

Thanking You !

Prasad Ghevade.
[protected]

I M azmath ali baig working with UNIVERCELL MOBILES i have salary account with ICICIBANK PANJAGUTTA BRANCH.without intimation my account got debited 9 times with 28 rs for the sum total of 252 rs at a time on 14 th may 2009.pleae do the needful.i need my amount back.please credit my acccount with the same amount.this is my hard earned money.don't neglect it please i'll b thankful to you.
my account no is[protected] with icicipanjagpitta branch.
please contact on [protected]

Dear Sir /Madam

My self Jaishree Panicker In November 2007 I received an ICICI credit card in that card they provide me the ICICI medical Insurance policy first they told me that it is free there is no charge. When I received the first statement I saw that there is 500 rs mentioned as payment and balance of 9500 in my card account. When I called the customer care they told me that is the payment of ICICI medical policy on the same day I request to cancel the policy and card I told them I did not want to use this ICICI card any more so please cancel that card they agreed also. From that I have not used that card for a single purchase. But now they blocked my account reason is credit payment. When I have not used that card for a single purchase then how there is a due. Why they are selling there products without asking to customer whether they are inserted in that or not. Now they are showing that there more than 5000 rs more they blocked my account, I have more 15000 rs in my account but I am not able to withdraw that. I have called several time to there customer care but now response from their part. I send one mail to them but no response. Now I Need a help from your part to solve this problem and get back my money. It is absolute totally unfair that a Bank like ICICI are doing like this to their customers.

Thanks

With Regards

Jaishree

1.According to ICICIBANK email to me, the clarification for the charges taken on behalf of the I-ticket transaction is Rs. 50/-.

2.Railway booking surcharge is 1.80% for internet transactions and 2.5% for other bookings, so, total EMI conversion is 4.5%.

But I am not understanding the ethic of charging against the amount by the railway I-ticket is Rs. 5171/-, hence the amount of total charge from me including with 4.5% EMIcharge should be 5171.00 + 232.70=5403.00. How can be 6400.70. Can you help me out on the issue.

3. Is the charge of the credit card against the I-ticket cover the Constitutional rule and regulation or Act? Then under which act ?

Sir
I have withdraw Rs.400 form ATM of icici bank at neheru Place branch in 19-may-2009, but there are deduct 5000 extra amount from my account(Account no.[protected] untill i did not get 5000 amount, when i complaint to customer care they said for inquiry after some time they send me message that we can't able to retun your amount, when i said him to give me proof of withdraw and show clips they said to contact to Branch manager of your branch, when i go branch office, branch manager said that i will give you proof within a week but now up over more that 12 days, i also have complain to icici customer care which is provided by icici bank and it divide at stge level, i have complain to Customer service(Mr. Avijit Saha), Mr.Shiva Kumar Tadikonda(Nodal Officer), Mr. B.Madhivanan, Senior General Manager, Service Quality, but get only complain acknowledgement mail and reference number '[protected]' on May 23, 2009 and get another mail by their executive of Mr. Avijit Saha, for wait 3 days, after 3 days i again send mail him then they reply give me more time but still get nothing response from him, i again complain to Mr. B. Madhivanan but now they don't reply me .

Hello sir,
I Maqsood Ahmed having savings account in icici bank a/c No.[protected], Sir icici bank has blocked access to my account. when i called up icici customer care phone banking on[protected] they said that ihave to make the icici bank credit card dues of RS. 54, 000=00, so they have blocked my account with the savings of Rs.26, 600=00in my a/c. i have a icici credit card no.[protected]. Sir i have cleared all principle amount every single month contineously, in rare case of late payment fees which they have levied and the taxes has been multiplying every month.Now till datethey have charged with all these hidden charges and the interest amount of RS54, 000=00 to my credit card. i requested the customer care phone banking every month contineously to reverse the all the hidden charges which they are multiplying every month.They did not reversed it. i contacted in person to the icici bank credit card collection department, 4/10, Mythri centre, Bommanahalli, hosur road, Bangalore-068. These people told me to make the payment of Rs.35, 000=00 to settle the issue. Sir i have cleared all thetotal principle amount so far, Every month only during the time of due date i receive the call on mobile and tell me that they are from icici bank and they ask me to make the payment of principle amt. and the will reverse the entire amt. of interest amt. and i donnt have to pay that. sir i request u to pls look in to it and solve this issue As early as possible, other wise they will debit the amt. of Rs26, 600=00 which is in my savings a/c. which i dont have to woe them. Thanking u.

Dear sir, i resign from my job from 11 Dec 2008, but till today i have not received my resignation letter and my PF is not received.so please conform you and immediately take action.

i was trying from more than half an hour and not getting e statement please send me the information how to axis it