ICICI Bank Complaints & Reviews

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.

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]

Hi,

My name is yathiraju. From past 15 days, i started receiving the call saying you need to pay 26000 amount for ICICI Credit card. to my knowledge i never applied for ICICI credit card.

People started harrssing me and keep calling ever day that i have told i have promissed to pay their amount.

If i would have applied for the card i would have received the welcome kit and monthly statement there after. This seams to be a mall practice going with ICICI. Kindly guide me how to come out this issues.

Sir,
When I receive schedule payment from ICICI on Date 13/06/2009 I See that from the Month of July 2009 my EMI Amount has been Increase from Rs.5500 to Rs.7000 I shocked & Regarding this when I call to Customer Care the Executive tell me that you have give the request for EMI Increasing on Date 04/06/2009 time 4:26pm but I am assure that this type of request not given by me & when I tell to the Executive to Reduce it at my actual EMI Amount Rs.5500 he/she tell me that is not possible from our side regarding this you will visit our nearest ICICI Branch so Regarding this I visit ICICI Branch on Date 22/06/2009 & give my Complaint the Executive also tell me that you EMI has been Decrease at Actual Position Rs.5500 but in the Month of July2009 you will pay Rs.7000 it is not possible to us so you must pay this amount, Sir but I am unable to Pay this EMI Amount Rs. 7000 about this I also give Written Application to ICICI & also give so many mails to ICICI but NO ANY REPLY GIVEN BY ICICI TILL DATE From ICICI Branch I came to Know that Mr. Amit Pandey take the Request for EMI Increase on Date 04/06/2009 4:26pm (old EMI 6334 to New EMI 7000) but my OLD EMI (Actual EMI) is Rs.5500 so this is also show that the Incident has been done by ICICI Customer Care Executive Reg this I also call to Customer care on Date 23/06/2009 that I am unable to Pay Amount Rs. 7000 & the Incident is from your side so you have tell to Mr. Amit Pandey that he bear the Amount which was his mistake the Complaint no is SR[protected]

MY DETAILS IS GIVEN BELOW
RAJEEVKUMAR H PURKHA
LOAN A/C NO:LBABD[protected]
Mobile No. [protected]
Ahmedabad

Hi,

19/06/2009 ATM DECLINE CHG/08-MAY-09/0475 DR INR 28.00
19/06/2009 ATM DECLINE CHG/08-MAY-09/0475 DR INR 28.00

I have seen these two transactions due to ATM decline charges? I don’t know what these charges are and why bank deduct 56 Rs from my account even I have sufficient balance in account! I came to know that if you withdraw money from other bank ATM (other than ICICI ATM) and if that ATM doesn’t have enough money then it will charge on customer. So it is ethical to charge on customer? Is this reasonable charge by ICICI bank or is this under RBI rules.

Please verify at your end and provide me detail (With RBI notice) so I can put my case to consumer services.

Dear sir,

am credit card holder of icici bank it is for the past 4 months when i received my credit card of which
am receiving statement regularly (hardcopy) for last two months am not receiving the credit card statement.
when enquired from the bank they say that the statement has delivered on time. and the statement has been collected by my father, after further intorragation with the bank they have given me airwaybill:4059638 and told simultaneously the courier name: "MANIKANTA COURIER" after
making repeated calls to the courier am not receiving the suitable answer from the courier .

the phone number which i have received from the bank is :[protected]

pls help me in this matter and advise the concern to dispatch the courier on time as there is no problem with address

OMPRAKASH JOSHI
H.NO.9-1/A/32,
NEW RAMARAO NAGAR,
BORABANDA,
HYDERABAD - 500018
MOB NO.[protected]

Hi,
I am Anand, I had a credit card of ICICI Bank from which I had made a last purchase in 2003, the approx outstanding due on my card at that time was approx 20000/. Since then I have been paying an min amt of approx Rs 2000/- per month which was an auto debit to my savings account. Since 6 years I have paid approx 100000/- and the outstanding still remains. I had asked for settlements in 2007 and 2008 and nobody from the bank bothered to turnup or respond. While they have been happily debitting my account as nobody's business and they have included my name in CIBIL as negative. This has hampered all my loan prospects. This is a real kill for a consumer and how come RBI and all other regulators allow such kind of gory practices from banks like ICICI. No sooner the so called defaulters in the CIBIL list will be like the debt ridden farmers who keep on paying all their lives.

CAN WE DO SOMETHING ABOUT IT COLLECTIVELY, LIKE A PROTEST OR FILING A PIL. THESE BANKS SHOULD BE TAUGHT A LESSON

i took a home loan from your bank .i am very fed up to take this decision because since last 18 months i am listening theratening calls from your collection agency in spite of i am making payment time to time you can see it from my record.i know that interest rates has changed time to time but your bank not informing me on time by written communication which i was getting earlier.when i got calls from your collection ageny i allways request them that you send me a written communication by mail or by post.but they are not doing it. pls help me...

Complaint regarding freeze of Current Account No.[protected]


Subject: Complaint regarding freeze of Current Account No.[protected]

Dear Sir,

This is with regard to the subject. We M/s Tvisha Diamonds Private Limited holding Current Account No.[protected] in ICICI bank Chd branch. Our bank current account has been freezed by ICICI bank for long time( DEC 2003) without providing any explanation to us.I have requested to bank sevral times in written but never get any reply from bank side .Kindly help me to un-freeze our account or provide us a valid reason for its freeze in writing from bank. Thanking you in anticipation.

Yours truly,
For Tvisha Diamonds Private Limited

Sukhminder Singh Sandhu