ICICI Bank Complaints & Reviews

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

Respected sir,
my self Sandipan Das, living in Vadodara, woking with TATA CROMA, a tata enterprise.On 01/07/2009 at 7:55 pm I went to ATM of ICICI BANK to withdraw money, amounting Rs.7000/-and my card was of HDFC BANK, and as we all know that, we can withdraw money from any BANK ATM without any charge,
But unfortunately the ICICI ATM has not dispatch any amount, but Rs.7000/- has been debited from my A/C.Then I went to HDFC BANK with my grievence, but they said it will take atleast 15 working days.
Now sir as I am from a middle class family, and three of my family member is dependent on me.so sir now I am starving due to the negligence of the ICICI BANK.
So sir, now I want to know who is responsible for my condition, is this not ICICI BANK"S responsibility that for there faulty machine my family is suffering so badly.
so, sir I want justice for miserable condition.
rgds
Sandipan Das
ph-[protected]

I have yet to hear from the branch after meeting the Ops. & Branch Manager in my locality on the 15th.

I debited as usual from the ATM Machine, Satpura - one of the many towers in Kaushambi, Ghaziabad - 201010 U.P. a fast cash sum of Rs. 3000/- on the 9th of this month at 10:06pm. Unfortunately only Rs. 500/- was dispensed. I informed the guard and he in turn made me write the complaint in the register. Alternaltely, I called up the ICICI Helpline # and informed the executive about this. He gave a rosy picture stating that the money would be refunded in 24 hours. It was not done so I called again after 25 hours at about 11, 11:30pm next day. This executive gave me the complaint # and said it would take a week (18th) at the latest to get this reversed. So I waited, then on the 13th at 9:21pm I recieved an sms saying that the ATM team would not be able to refund the money as it had been dispensed. I checked with the ATM again and the same guard showed me the register saying that the next person had got a surplus amount and he made him write in the register too. The ATM team did not check where the money went at all. I called up ICICI again and spoke with the floor manager Neha in Hyderabad. She told me to meet the Branch Ops. Mgr. and the Branch Manager closest to the ATM. As it was a weekend, she advised I should go there on Monday the 15th. I did so, as asked, wrote the complaint with all details required (ac#, complaint #, my phone #). I was assured that by the latest on the 17th, I would be informed about a definite refund of my Rs.2, 500/-. I am yet to hear from them.

I would like to bring to your notice about the ICICI Personnels:

COMPLETE Laccadaisical attitude towards the complaint from the executives involved
Shoddy job done by the ATM Team ( no investigation or communication with the Guard or checking of the register)
Giviing a ROSY Picture till date but nothing done at all from the 9th of June till 19th of June. No Honest or clear answer given.

HOW ARE ESCALATIONS DEALT WITH????

Please give me my money back.

I was in Home Loan Agreement with ICIC Bank Limited with Loan No. LBNOD1049405. Original Documents of Property including Lease Deeds of Property C-362, Alpha I, Greater Noida were in possession with ICICI Bank Limited. I re-pay the complete loan amount in Oct' 08. And when I went to recieve original docs from ICICI Bank, all the Original documents of Property were in bad condition (WET) due to water. ICICI Bank has quoted the reason of damage due to heavy rains in July' 05 in Mumbai. Photocopy of lease deed certified as True has been recieved, but still Iam not confident about the sanctity of papers re-created by ICICI bank thru Greater Noida Registrar office. Moreover because of this (as only asset for my life taken by Home Loan) mentally depressed right now. Kindly Guide and support me by suggesting the way out.
If ICICI Bank was aware of the reason and they didn't felt responsible to inform me about this damage, and were quite for almost 3.5 years, which is not at all considerable, and definitely this also attracts to the Non Adherence to the provisions of the fair practices code for lenders as adopted by the bank or Code of Bank's committment to customers. Iam not satisfied with the ICIC Bank Limited's action over the complaint.

Hi.

I have taken ICICI Personal Loan and was paying my EMIs regularly. But, I am sure I cannot pay the EMIs for this month and next month (July & August 2009) as I have taken Salary advance last month (June 2009) for some important commitments and 50% the same has been deducted from my June 2009 salary and another 50% will be deducted from my July 2009 salary. But, once I start getting my regular salary from August 2009, I can pay the outstanding EMIs.

Will this create any problem? Pls. suggest.

Regards,
Sevar K

Hi,

I want to get refund of my Home loan Processing fee taken by you manager sachin jain sitting in icici hfc ltd. 5th floor aggarwal millanium tower, netaji subhash place, pitampura, new delhi - 110034.

I am continueslly calling but i am not getting satisfactory replies and response from anyone and the things told to me were not done and i have been given wrong commitments time and again.Without telling me my cheque was deposited and i had been told that it will not be credited until your loan will be disbursed.

Please help me otherwise i have to go to RBI for the same.

Regards

Amit Pal Singh
[protected]

i have a corporate credit card which was used only once for buying airline tickets, the principal amount has been paid on the date, but they (icici bank) has charged late payment fees and interest on interest, over all they have also marked a lien on my savings account thru which standing instructions are there to lot many AMC (mutual fund houses) and insurance. Moreover all the investments has been made thru icici bank only directly. I had called up the call centre of icici and and they gave a land line no[protected] /[protected] to be contacted, and there is no response on these landline phones. now i cannot even change the address of my savings ac. how do i get this case settled i fail to understand. they have also put in my name in sibel for an approx amount 3500/-.
pls advice. i can be contacted at [protected]. i shall be highly grateful.

Sir,
I have to inform you that one of my relative was purchased some ICICI infrastructure of various issues and which were already matured. In the mean time my relative has chaged his address twice and as a result he has not received any communications form ICICI regarding maturity. I personally contacted with the nearest ICICI Bank and the they said there is some from but they failed to supply that particular from and also failed to put any light how my relative will get that maturity proceeds.
In view of the above I am rerquesting yout goodselgf to advise me how my relative will get the maturity proceeds and procedure of that and where I will have to contact.

Thanking you,
Yours faithfully,
gaurisankarlahiri
2.7.09

My husband and myself jointly purchased nine (9) FDs from ICICI Home Finance (The Bank) through their Franchisee: Balaji Financial Services, Allahabad on 24th April, 2006 whiched matured on 22nd April, 2009. We submitted the certificates to Balaji after complition of the term but we have not received the matured Some till date. We were informed by Balaji that due to some dispute between the Franchisee and the Bank our money was diverted to ICICI Home Finance. I am not able to understand how we should suffer because of their dispute. It has been over two months and we have not received the money. If the situation remains same we will be forced to go to court against The Bank and The Franchisee. The following is the detail of FDs: 1. FD Application No.[protected]FD no 4428458), 2. FD Application no.[protected] (FD no 4428461), 3. FD Application No [protected] (FD No 4428464), 4. FD Application No [protected] (FD No 4428465), 5.FD Application No [protected] (FD No 4428466), 6. FD Application No[protected]FD No 4428467), 7.Fd Application No[protected]FD No 4428468), 8. FD Application No.[protected]FD No 4428469), 9. FD Application No[protected]FD No 4428470).

To, Date: 25 May 2009

The Grievance Redressal Officer,
ICICI Prudential Life Insurance Company Ltd.,
ICICI Pru Life Towers, 1089
Appasaheb Marathe Marg, Prabhadevi,
Mumbai 400025. Tel.: 40391600


Sub: An Application for Refund of Money, which ICICI Prudential Grabbed from me by Misrepresentation & cheating


Dear Sir/Madam,


I, the undersigned applicant do hereby submit as under:

1. That on 13 June 2006, in ICICI Bank, Connaught Place New Delhi, that applicant went there to withdraw the money from FCNR account and there One Mr. Anand Kumar claimed himself to be an employee of ICICI prudential. He allured and tempted the applicant to invest Rs. 2, 25, 000/-(Rs. Two Lacs and Twenty Five Thousand ) in a scheme in which his invested Money shall become Rs. 6, 25, 000/-/-(Rs. Six Lacs and Twenty Five Thousand ) after expiry of three years and further assured that now onward the applicant will not require to pay any installment and he shall receive the Sum of Rs. 6.25 Lacs after three years, on the deposited Sum and further assured, that the applicant can avail the loan facility as well & such increment from Rs. 2, 25, 000/- to 6, 25, 000/-shall be tax exempted and shall also provide the applicant protection of insurance as well & in this manner Mr. Anand Kumar tempted thus the applicant then and there itself, handed over the cheque of Rs. 2, 25, 000/- and Mr. Anand Kumar got signature on the blank form and applicant fell in the trap.

2. That in the first week of July 2006, the applicant received the Policy documents and after going through the same, he came to know that it is the ICICI Prudential Life Insurance, "Life Time" Policy and Policy commenced on 14.06.06 and in which Death Benefits Rs. 10, 00, 000/- /-(Rs. Ten Lacs) and Accidental Disability Benefits Rs. 10, 00, 000/-(Rs. Ten Lacs). After Going through the Policy Documents, the applicant, within Free Look up period of 15 days, wrote letter to the company for cancellation of the given above said Policy since the applicant didn't agree to such terms and conditions of the Policy Documents.

3. The Company Received the Letter (Copy enclosed) and not acted as per requirement but acted in wrongful manner, ignoring the interest of the applicant, thereby jeopardized the applicant's interest.

4. That in the Month of Nov. 2006, the applicant received 2nd Policy Documents and the applicant kept the documents in 'Utmost Good Faith' did not read the terms & condition of the provided policy.

5. Later on the applicant came to know that they have issued the applicant yet another wrong Policy, amounting to the breach o[censored]tmost good faith. Since even the terms & conditions of their Policy are also not acceptable to the applicant.

6. That applicant got surprise of life time when the same company asked him to pay 2nd installment of premium in the month of Sept. 2007, which he declined, but then the company threatened the applicants that his money will be forfeited, fearing the worst he paid, but after much haggling the company made the applicant to pay Rs. 1, 80, 000/-(Rs. One Lacs and Eighty Thousand).

7. At the time of Second Installment, when the company representative (Mr. Anand Kumar) came and asked for the second installment, the applicant apprised him of his (applicant’s) pathetic situation and expressed his helplessness, and the applicant claimed back his deposited money. The company Representative assured applicant that he/company will do the needful and he/company will get applicant back the deposited money once the applicant make the request in writing, at that moment the company representative got blank paper signed from the applicant and thereby the company representative/Company committed fraud upon the applicant.

8. Now in the month of Sept 2008, the Company again asked 3rd Installment of Premium and then the applicant checked the policy Documents and to the utter surprise of the applicant, that he had received the second Policy Documents which commences of 1st Sept. 2006 sir/madam it is pertinent here to mention that this policy documents were also issued on the same Receipt Numbers[protected] as well as on the same date of receipt of Proposal Form i.e. 14 June 2006. Now, in the 2nd Policy Documents initial Death Benefits changed from Rs. 10, 00, 000/- (Rs. Ten Lacs) to 11, 25, 000/- (Rs. Eleven Lacs and Twenty Five Thousand ) and Accidental Disability Benefits remained same . The Age has been shown as 40 years instead of 39 of the applicant. Sir This Policy could not be issued as per IRDA Law since the issuance of this policy had been stopped since 30th June 2006.

9. In this way the applicant has been cheated of Rs. 4, 05, 000/- by your company.
As per seeing his family and financial status he had no need of life insurance Policy, because first he is single, having no family, secondly he was unemployed, then why this kind of Policy has been given/issued to him without clarifying/explaining to him about all the pros and cons of the same.
Thus yourgoodself is requested to graciously refund the Money of Rs. 4, 05, 000/- to the applicant along with interest till realization of the same.

Looking forward for your earliest response.


Thanks & Regards


Name of Applicant,

Ramesh Lal
49/2, Pratap Nagar
Mayur Vihar Phase I
New Delhi 110092

Mail Address: Ramesh Lal,
C/o: Jai Kishor, 109/13
3rd Floor Amrit Puri,
Opp. ISKON Temple, East of Kailash,
New Delhi. 110065,
Ph.[protected] call before 10.00 A.M and after 8.00 P.M)
Email : rameshlal.[protected]@gmail.com
Mobile: [protected]

Bearer of Disputed Policy,
Name of Policy Life Time
Policy No: 02941442
D.O.C 1st Sept 2006

DEAR SIR/MADAM,
MYSELF JAYDEEP SINHA APPLIED FOR A CREDIT CARD(ACCOUNT NO.[protected]) AGAINST MY DEBIT CARD ACCOUNT(SALARY ACCOUNT) NO.[protected] AND GOT THE CREDIT CARD ON MARCH' 2007.THE TOTAL CREDIT LIMIT (INCLUDING CASH) FOR THE CARD WAS RS 28, 000.
SINCE THEN, I HAVE MADE A PAYMENT OF RS 32, 800 THE DETAILS OF WHICH ARE GIVEN BELOW-MONTH-BY-MONTH...
SL.NO DATE PAYMENT MADE

1 14/06/2007- Rs 810
2 04/09/2007 Rs 2, 970
3 04/02/2008 Rs 1, 470
4 04/10/2007 Rs 2, 990
5 05/11/2007 Rs 3, 090
6 04/05/2007 Rs 610
7 05/05/2007 Rs 2, 200
8 04/07/2007 Rs 2, 950
9 11/04/2008 Rs 1, 450
10 03/08/2007 Rs 2, 940
11 13/12/2007 Rs 1, 650
12 05/03/2008 Rs 1, 450
13 05/05/2008 Rs 1, 500
14 13/06/2008 Rs 1, 500
15 14/07/2008 Rs 1, 550
16 01/08/2008 Rs 1, 600
17 01/09/2008 Rs 1, 650

AND, EVEN AFTER MAKING A TOTAL PAYMENT OF Rs 32, 800 AGAINST MY CREDIT LIMIT OF Rs 28, 000...I HAVE BEEN REPEATEDLY HARRASSED BY ICICI CREDIT CARD COLLECTION PERSONS.THEY ARE REPEATEDLY DISTURBING ME AND MY FAMILY MEMBERS BY PERSONAL VISITS AND ALSO PHONE CALLS.
MY QUERY TO A LEADING BANK OF INDIA IS THAT FOR A CUSTOMER WHO HAS MADE SUCH CONSISTENT PAYMENTS OVER THE LAST TWO YEARS, IS THIS THE PROPER TREATMENT? OR DOES THAT PERSON DESERVE A BETTER TREATMENT?

ABOVE EVERYTHING ELSE ON 3RD OF FEBRUARY'2009, THERE WAS LIEN MARKED ON MY ACCOUNT NO.[protected]...AS A RESULT, MY BANK ACCOUNT WAS FREEZED -SHOWING AN OUTSTANDING DUE(OF CREDIT CARD) OF Rs 44, 510.95!!.I DEPOSITED ONE OF MY CHEQUE OF Rs 500/- IN THIS ACCOUNT ON 2ND OF FEBRUARY'2009. BUT, UNFORTUNATELY, I LOST THE ENTIRE AMOUNT AS THE ACCOUNT HAS BEEN ALREADY FREEZED.

ON 07.02.2009 I RECEIVED A LETTER FROM MR SHARMA, MANAGER DSMG, CREDIT CARD COLLECTIONS, ICICI BANK, UPPERWOOD STREET, KOLKATA-700017 WITH THE SUBJECT -"LIEN MARKED ON YOUR BANK ACCOUNT TOWARDS UNPAID OUTSTANDING DUES OF Rs 44, 510.95 IN RESPECT OF YOUR ICICI BANK CREDIT CARD ACCOUNT NO.[protected]"..ACCORDING TO MR SHARMA, THIS IS TO BE PAID WITHIN 3 DAYS FROM THE RECEIPT OF THIS LETTER, FAILING WHICH THERE WOULD BE DIRE CONSEQUENCES...


DEAR SIR/MADAM, IS THIS YOUR "TRUSTED" BANK'S SERVICE TO ITS LOYAL CUSTOMERS?? IS THIS THE TRUE MEANING OF YOUR SLOGAN "HUM HAIN NAA"?
IF THIS IS THE PAY-BACK FOR MY LOYALTY WITH ICICI BANK OVER THE PAST TWO YEARS, THEN IT REALLY HURTS ME.I NEVER EXPECTED THIS BEHAVIOUR FROM YOUR PART.
I WOULD KINDLY REQUEST YOU TO LOOK INTO THIS MATTER AND DO THE NEEDFUL WITHOUT FURTHER DELAY
THANKING YOU,
YOURS SINCERELY,
JAYDEEP SINHA

Undersign holds a saving A/C No.[protected] with ICICI Bank, Sector-14, Gurgaon Branch.

On 17th May’09, I visited Axis Branch ATM (ATM ID – S1AC131) located in Galleria Market, DLF Ph - 4.

Attempt to withdraw 5000 Rs was declined.

To my surprise, I rcvd sms on the same evening that 5000 Rs have been debited from my A/c.

On 18th May, I called and registered complaints against above two transactions and was given service request nos –
SR[protected]

Since then, I’ve been following up with your Customer Care Dept on phone and was then adviced with additional SR’s
SR[protected]
SR[protected]

Finally Customer Care informed me that they have rcvd a statement from Axis Bank that the above transaction was successful,

In order to support my case, I have submitted to ICICI Bank authorities the transaction slip that I got from the ATM M/c confirming that the "withrawl transaction has been been declined" (ATM Record No. 9652)

In between, I made personal visits to Sec 14 Branch on 10th & 24th June, and have registered complaints with the concerned authority.

Since more than one month now, I'am struggling to get my 5000 Rs back.

Pl help !

I ALREADY MAIL TO ICICI BANK
To
ICICI BANK LTD
DISPUTE TEAM
MUMBAI

SUB : DISPUTE O[censored]NAUTHORISED TRANSACTION

I am VIJAYANAND POOJARI credit card holder of your bank credit card no is [protected] issu date 12/07.
This is to inform you someone missuse my credit card through online transaction. Previously rais this issue when was first fraud done but the dispute team never resovle or responding to me.
transaction date 24/112008,
to BHARTI CELLULAR LTD
Amount : 2700/-
complaint no : SR88107740

Again some one done fraud transaction throught online in the month of june2009
details are given below
TRANSACTION DATE TO AMOUNT
13/06/2009 BHARTI CELLAR LTD 10000
13/06/2009 BHARTI CELLAR LTD 2074.39
13/06/2009 BHARTI CELLAR LTD 5000
13/06/2009 BHARTI CELLAR LTD 2302.66

I already requested to stop my credit card but it still using some one after overdue. I requested you to please trace this and credit all dispute amount as soon as posible and i requested you please creat new SR above fraud transaction.
Pls reply


THANING YOU

Regards & thanks
VIJAYANAND POOJARI

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.