ICICI Bank Complaints & Reviews

RESPECTED SIR,

I WOULD LIKE TO INFORM YOU THAT MY ICICI CREDIT CARD IS MISUSED BY SOMEONE THROUGH NET BANKING. TOTAL FIVE TRANSACTION WERE DONE WITH EZEEGO TRAVEL SERVICE, I CAME TO KNOW THIS BY SMS FROM ICICI ON MY MOBILE, I HAVE NEVER USED THIS CARD FOR ONLINE PAYMENT BEFORE, SO I CANT UNDERSTAND HOW THIS PAYMENT IS DONE BY SOMEONE. IT IS A FRAUD WITH ME AS WELL WITH THE BANK.

THE DEAILS OF TRANSACTION DONE ON MY CARD ARE,

1ST TR: 13, 076 RS
2ND TR: 18, 021 RS
3RD TR:7, 053 RS
4TH TR: 6, 353 RS
5TH TR: 6, 499 RS.

I NFORMED MY BANK REGARDING THIS MATTER. THEY HAVE REGISTERED MY COMPLAINT. AND THEY ALSO BLOCK MY CARD.ONE OF THE EXECUTIVE OF ICICI TOLD ME TO WAIT TILL JUN 13, I CANT UNDERSTAND THE LOGIC BEHIND IT.
NOW I DONT KNOW HOW MUCH TIME THEY WILL TAKE TO SOLVE MY ISSUE. TILL THE TIME I AM THE ONLY SUFFERER.EXPECTING THE HELP AND SUPPORT FROM YOUR SIDE.


BHAVIK MEHTA,
[protected]@yahoo.com,
[protected].

I AM HOLDING TWO FIXED DEPOSITS IN ICICI HOME FINANCE COMPANY FROM BARODA AS AJOINT DEPOSITOR WITH MY WIFE. LAST MONTH I HAD PURCHASED HOUSE AND WANTED SOME EXTRA MONEY SO I TOOK LOAN FROM ICICI HOME FINANCE AGAINST MY FIXED DEPOSIT. BUT TO MY SURPRISE IT TOOK 13 DAYS FOR ME TO FINALLY GET THE CHEQUE THE REASON IS ALL THE PROCESSING IS DONE FROM THEIR MUMBAI OFFICE AND THEIR STAFF IN ALL OVER INDIA IS JUST SITTING THERE WITHOUT ANY JOB. I HAD TO BORROW MONEY FROM MY FRIEND IN SPITE OF THE FACT THAT I HAD ENOUGH MONEY. NOW MY BIGGEST WORRY IS IF IHAVE ANY MEDICAL EMERGENCY AND I DO NOT HAVE ENOUGH TIME TO WAIT 15 DAYS WHAT SHOULD I DO.
CAN YOU TAKE UP THIS MATTER WITH ICICI HOME FINANCE

dear sir,
i like to inform that i was holding agent license number [protected] of icicprulife which was valid
upto 19-3-09.my advisor code is[protected]ASAP.i have applied for renewal of my license to icicprulife
i understand from icici prulife that my above license was transfer to other insurance co. for which neither
i m interested to transfer my license nor i have applied for. one of the previous employee of icicprulife might have manupilated my license document. i was exclusively working for iciciprulife and wanted to continue for the same
I request u kindly get renew my advisor code anuradha seth[protected]ASAP from icicprulife
THANKING YOU
mrs anuradha seth
w-42, rajouri garden new delhi-27
tel 41002661, [protected]
[protected]@rediffmail.com

Dear People,

Do we really think one day we Indians would be really smart as I don’t see that happening anytime soon. Recently I had trouble paying bills online through visa bill pay site which integrates through ICICI Bank to securely transfer funds from your account to the biller. Due to some system problem after three attempts my Net Banking userid got disabled (problem has been between visa bill pay site and ICICI Net Banking site). To activate I had to place the request with the customer care department and they assured that the ID will be activated within 24 Hrs. (Activation takes 24 hrs? Seems like it 1990's where the file would be sent to Sr. VP Activations and once he approves then only a field executive will switch on the account).

That is not it the second part is more interesting I requested a password reset and they assured it will take 8 Days for the password to reach to my address (Seems like ICICI Net Banking Passwords are generated in Hawaii as it takes 8 days for the courier to reach your place in Mumbai - Highly optimized process kudos you are "B" age banking).

Now the twist I needs to correct the misspelled Name of the building in the address but it can’t be done for 7 days as the password request is in place (Reason as explained is the password has to reach the destination before you can change the address) I can’t do the wither way to change the address and then request a new password as change in address takes 1 month to be effective(Seems like people from Interpol and FBI verify it before you new address which just had a spelling mistake to be rectified.)

Kudos ICICI Bank for "B" Age banking - Buffalo Age banking. To make the system secure for customers trouble the customer always.

I am working in ICICI Bank as A SE on the pay roll of I - process & not getting salary for the months of Jan 2009 & Feb 2009.
Please help me & sort out this problem.
I am pesting a copy of my email sent to them here.
From: m.[protected]@hotmail.com
To: mohammed.[protected]@iprocess.in
CC: abhisek.[protected]@icicibank.com; mihir.[protected]@icicibank.com; [protected]@consumercomplaints.in
Subject: please help me to get my salary for the month Jan 2009 and Feb 2009
Date: Wed, 6 May 2009 16:18:01 +0530

Hi,
Dear Sir,
I, Anand mishra, was working as a Sales Exective in ICICI Bank since last one year.
Sir, I have left my job & i am still not getting my salary for the months of Jan 2009 and Feb 2009.
I am requesting you to sort out this problem as soon as possible because i am suffering from a big financial problem.
I have got the cheque of amount Rs 5266/- as a salary from the I- process for the month Jan 2009.
I have lost my salary cheque for the month of Jan 2009 which was of cheque of amount Rs 5266/-.
I request you to make null and viod that cheque or cancel and issue a new salary cheque for the month of jan 2009.
Please, I am requesting you again regarding the payment of Feb 2009 month.
Mr. Abhisek pal (sales manager - ICICI Bank) is saying that he isnot able to give the salary for the month of Feb 2009.
He [Mr. Abhisek pal (sales manager - ICICI Bank)] is also saying that he cant do anything for my lost salary cheque of amount Rs 5266/- as a salary for the month Jan 2009.
I also request to Me. Mihir Tejani ( RSM- ICICI bank) & Mr. Abhisek Pal kindly help me and sort out this problem and please reply my mail or you can contact me on cell no. [protected].

Thanking You,

Anand Mishra
[protected].
E code: C30965

I have send so many emails with request to give my salary but they are not reverting for the same.
Thanks & regards
Anand Mishra
[protected].

Dear Sir,

I am ICICI Bank Credit card holder (no. - [protected]). In Jan 2007, there was an online transaction of Rs. 4000 with this card. (That time I was not even aware how to do online transaction). As soon as I knew this, I called customer care & the Manager told to submit application. I submitted application at Empire mill Complex, Mumbai (Request no. SR[protected] as per the guidance.

After few months, a collection boy visited my place & I spoke to the manager on phone. He appreciated my PAYMENT RECORDS & told to give a copy of Application already submitted.

After that, they sent me couple of new cards. I was getting the statement having mention about payments for Disputed transaction. (I decided not to use Card till the issue is resolved). I received calls couple of times regarding it, and I told every time that I have submitted the application & customer care dept would terminate the call with a good note & apologizing.

So it is obvious that I, as a customer, would understand that my request has been heard & trusted that these charges will be waived off.

Even Bank stopped sending me statements from Jul or Aug 2008.

On 13-Nov, I came to know that there is negative balance. On, 15-Nov, I called customer care & they informed me that due to non-payments of credit card, A/c has been blocked & I’ll have to meet collection officer (& I got the letter for the same 6-7 days late i.e. on 19 – Nov). I met Mr. Shiv Kumar who assured me that he will zero-ise my dues & henceforth A/C won’t be blocked. (& that was done).

The A/C started as normal. So I issued cheques from this A/C & on 27-Dec, I came to know that again my A/C had been blocked. My cheques had been dishonored & the bank charged me for that. I was not having any cash that time & ICICI Bank deliberately delayed the case & removed lein on 23rd Feb. Due to this I had to suffer FINANCIAL LOSSES (the details of the same will be provided in front of BO Official) Apart from the monetary losses, my family life had been disturbed & everyone in my family is worried about this. My mother was very much tensed & remained depressed.

So considering the long time relationship with bank, I had asked for the compensation of only Rs. 2000 (the details of the same will be provided) from the ICICI bank however the bank refused to pay.

All these have been done towards the non-payment of credit card as claimed by ICICI Bank. But the same case was resolved in my favor in 15-Mar-2007 & the amount of Rs. 4000/- was to be removed. However they claim that the Amount accumulated (Rs. 9600) was the interest charged on Non-payment of Rs. 4000.
The bank says that I should have informed about the reversal of these charges. However they never sent any letter mentioning that the disputed transaction (Rs. 4000) has been resolved in my favor. How would I know that they are charging interest (on the non-existing Rs. 4000)? Please let me know if it is possible in India, to calculate interest on the amount which you don’t have to pay.
This sounds very idiotic.

Now I ask for the compensation of Indian Rs. 5, 00, 000/-.

I would have initiated the case immediately but my mother passed away on 17-Mar-2009. She had been under tension when my Bank A/C was blocked. So now I will not let bank go Scot free come what may!

It is the duty of the ICICI bank to disseminate the information & the Bank should have voluntarily cancelled all the charges.

Consider the following:

**Had I gone for settlement, I would have been at loss.
**If I had not fought & paid the whole amount, I would have never come to know that I am paying interest on the amount, the case of which had been resolved in my favor (i.e. the amount ceases to be existing). I would have been at loss.
**The Bank disclosed about resolution of case after I fought & submitted the complaint to RBI. It’s a cheating to hold back such information.

Had I not fought, the Bank would have kept the resolution hidden. (This is what the ethical banking practice is?)

I would have been at loss for the Bank’s mistakes such as lack of co-ordination amongst their departments, not disseminating information, misuse of their authority by blocking the accounts & harassing the customers (LIKE GOONS).

Above all, the Bank registered my name in CIBIL showing my profile negative. I wonder how CIBIL can accept such claims from the banks. Isn’t CIBIL doing any inquiry on its own? I would request CIBIL to go deep into the matters, because the baseless & wrong information can ruin the credibility of an individual (one who believes in Indian Laws, pays dues regularly at any cost, & wants to live peacefully.)

To earn meager profit, bank misused its authority. Now that they had caused great trouble for my family. So I have decided to initiate case against ICICI & I claim Indian Rs. 500000 towards all these harassment. I have to pay 4 installments of Rs 4953 towards my personal loan. However right now I will hold the payment till I do not get the compensation. I repeat, I will hold the payment & this doesn’t mean that I will not pay.

All the rules & laws have to be observed by the common people whereas the institutions act as per their whims, misusing their rights, harassing genuine customers to recover the losses made from bad loans. However when they commit mistake, they go Scot free.

There has to be some limit to all these.

I seek help from Banking Ombudsman officials to act as an intermediary to resolve the case and give justice to me. Now I do not trust ICICI Bank at all.

Also, I have decided to hold on to the installments of PL to ICICI till I am not being compensated for my losses. I have paid 33 installments of Rs. 4953 & 3 are left. I will pay the installments later however there should not be any interest or charges claimed because due to the bank's mistake I had to suffer.

Note: I have paid all my installments to ICICI Bank whether it’s credit card, demat A/C or savings A/C. You can check records. Still the bank has acted in very unethical way.

sir,
I'm a customer of the so called esteemed ICICI bank at hubli, karnataka. I've taken the decision of writing to you after repeated futile attempts of making my woes heard to the sr.mgt and authorities of the bank regarding my problems with the branch manager, Ms.Prafulla Puranik. that I've forced myself to write to the ombudsman makes it clear that the magnitude of the problem is much larger than it actually looks.
the exact prob for me is the adamant, arrogant insolently proud and irritating behavior of the BM. i 've been the customer of the bank for the last 6yrs and I've had good support and relation from the staff and the prev BM, Ms. Vaishali Mahishi, but this prob has cropped up from the last 3-4months since this BM took over!!
she doesn't allow me the normal/min rights of a customer just because I've not agreed to give her investments when she wanted. I feel that customers invest wen they have the need and its ridiculous for the banks to force and hunt us for them!! and also that in case investments are not made, we are devoid of the basic services and also dished out with abusive language!! i now am giving u the details of my problems so that u can have a feel of what is exactly going on with me-
-i don't get the denomination i ask for.
-I'd be kept waiting wantedly by the BM after the staff are forced to direct me to her for everything and anything. that clearly shows that the same staff who serviced me well before have been forced to deny me the same service, evidently due to her pressure.
-if i have any complaints or small issues, she started saying that they cant be solved until and unless i make some investments and wen i said i wanted to talk to her superiors she says nothing is gonna happen and she didn't provide me the contact numbers of any authorities!!
-I've had a really tough time finding your address too as one day i was forcibly warded off the branch as i was noting down ur address there. then i went to another bank where I've an a/c and collected ur address there!!
-they say they bank from 8-8 but one day i was denied a transaction at 7:50pm saying that their watch read 8!!
-wen i wanted to put some amt lying in my father's a/c as FD she wanted to invest that into life ins.i told her that i had already made huge investments in ULIPs and they were in a bad shape and she kept insisting on that. at last i could make an FD of it and as my father was a Sr. citizen, i remember submitting form 15H along with it for non-deduction of TDS.but to my astonishment, later i found that the TDS has been deducted from my a/c.as there'd be no acknowledgement for form 15H i could not debate wen the BM bluntly argued that the form was never submitted by me! i asked for my TDS certificate in the month of march and the answer i got was that i'd receive it in may/june, until wen i was asked to wait and that issue is still pending as on date!! this was stated as a reason for which i cannot even close my a/c till everything gets settled.
according to some classification made by the bank on the basis of my a/c balance which always runs into lacs of rupees I'm termed as the high networth client but this is the treatment I'm being dished out which is irksome to the core.my prob would have ended if i closed my a/c here and transferred all my funds to other banks wer i've immense pleasure banking but i've restored to this complaint as there might be many other mid-aged customers who are facing the same prob but for some reason aren't able to bring it to ur notice!

all said and done, im unwilling to reveal my name and other details as i fear a backlash! but im ending this communication with a hope that the banking ombudsman would bail me out of the trouble and safeguard the interests of many customers who are falling prey to these type of officials who have profit as the prioritized motive to customer service!


CC to Mr. Madhivanan, Senior General Manager, Service Quality,
ICICI Bank Ltd., ICICI Bank Towers, Bandra Kurla Complex, Bandra East, Mumbai 400 051.'

Please let me know about the status of the following mentioned tax saving bond in the address :- Surajit Kumar Das, Qr No- D/13, DTPS Old colony, DVC, Durgapur-713207.

Details of the bonds are:-

TAX SAVING BOND-012002-TSB-THREE:-
Option-III, Bondholder No[protected], Certificate No-9424, Dt of allotment-19/02/02,
Redemption Dt-19/08/08, Scrip code-BSE: 960743 NSE: ICICI0202 N3.

TAX...

Dear Sir,
I did a icici prudential emerging star growth fund in my name. That time in my pancard my name was printed as Bjohn Madhukailya. But now I correct it and my name is printed as bijonjyoti sarma.
When I go to the mutual fund office and show my pancard's both copies they refuse to take it without the signature of bank manager. When I go to bank the bank manager again refuse to sign because it is not related with the bank account. Now what I have to do ? I did not understand why pancard's attested copy required whether my pan number is same in both copy of pan card. I also submited my pan site copy but the mutual fund office did not accept it. Please guide me in this matter as soon as possible.

Regards
Bijonjyoti Sarma

I am an 10 years old customer of ICICI Bank, having saving account No.[protected]. I was issued an EMI Credit card by ICICI bank after lots of calls and follow up by their sales executives. I was told by the sales team and executives that for any purchase the amount will be converted into interest free installments. This EMI card no. [protected] issued to me was used by me for the first and last time at Dr. Batras Homeopathy clinic for Rs. 5760/-. When I received the statement, to my surprise I was being billed the whole amount and additionally charged some finance charges for the usage. When contacted the helpline I was told that since Dr. Batras facilitate the customers with interest free installments therefore it will not be done on this card and you will have to pay the amount and fees. I objected and since I felt cheated I asked them to get the payment collected immediately for the usage and cancel the card.

Executive from ICICI collection center (Vicky) visited on 25/04/2008 from Jhandewallan branch at my office and collected the full payment for usage of Rs. 5760/- vide cheque no. 725351 dated 25/04/2008 of SBI A/c no. [protected]. The payment receipt No. T0308C – 0147310 for the payment made bears clear comments that the full payment is made and please cancel the card. There after I have cut the card into four pieces and scrapped the same. This card was used only once by me that to by mistake. I am user of Saving Bank Account in your bank for past 10 years and there has been no default or deviation in any manner in the account.

I started getting statements every month for interest charges and late payment charges. I mailed and called manier times to ICICI that if I have made the full payment, than why I am being harassed and troubled by sending all these statements and annoying phone calls. I even called and replied all calls from your helpline and requested them to cancel the card and clear all dues. Finally the case was resolved and I was sent an No dues statement and NOC from ICICI stating that my account is clear... I was very happy and satisfied finally with the services of ICICI after a struggle of almost Six Months...

But to my surprise when I applied for a Car Loan a week before from ICICI Car Loans I came to know that I am a defaulter and my name is showing in negative list on CIBIL...I could not believe...I called so many people, visited ICICI branch and car loans office but all in vain... Finally my loan was rejected just becuase of one mistake... I TRUSTED ICICI, I USED THIER CARD FOR ONE TIME, PAID 100% WITH IN DUE DATE AND STILL CONTINUED TO BANK WITH ICICI...

Now I request to please clear or remove my name from CIBIL as I fear, I will be named as a DECLARED DEFUALTER all my life just because of one mistake "USING ICICI SERVICES"... I may not get any loan all my life just because of ICICI Credit Card Department thier CHEAT DSAs thier pathetic services...

I dont want to be known as a DEFAULTER thru out my life... My TEN YEARS long association with BANK could not make them understand a difference between a Defaulter and CUSTOMER...

Please HELP, I am losing faith in sincereity and loyalty as aCUSTOMER...

Attached is my mail to ICICI... I saw more than 400 such complaints against ICICI only on this site... Dont no how many others are paying for trusting ICICI????


Regards,
Bhupesh Kanyal

Contact Details:
E-mail: [protected]@yahoo.co.uk
Mobile: +91 [protected]
Telephoneno:+[protected]
Correspondence address: 33A Part - III
Sector - 5
City: Gurgaon
Country: India
Pin Code: 122001

Dear Sir,

Credit Card No: [protected]


My due date for payment of above credit card is 16-4-09 and amount is Rs 66xx . I have presented cheque No: 000025 The City Union Bank Ltd., A/c No 68364 on 15 apr to local Karur Icici branch. The Amount Rs 6700 has been debited on 16th of Apr 2009.

But to my surprise you debited late paymet fee in my account and interest charges for the late payment.

Kindly verify the above details and reverse all those the charges in my account and intimate me.

Regards,

Prabakaran.R

I am tired with visa bill pay facility system. its so costly. that time they told me this is free of cost.
now there is some hidden charges.
I am regularly paying my icici credit card bill but every time my icici credit card come with 400/- Rs. late payment fee. this is very wrong system. if i am paying timly so why they charge late payment fee.

Now i want to close my icici credit card but when i close my icici credit card, after one week they have send new credit card.

so you are requested to kindly close my icici credit card. pls help me.

i am using your (icici) cradit card i complening last three month
my billing there is 2 lombade police bill on me wich your given free
1 Rs. 500.15+11.10+170.81, 2 Rs. 87.07+8.97+403.92 wnen you given me
police that time talk from it is free for credit card costumer for
icici bank talk benefit so give free i have telephonic talk recoding
so if you like to lisend i can give also so i do not pay any paice
for this two police pleas reamove this two police amount

i have a telephone no. from wile that time talk from icici bank
called by name prakesh icici mumbay head
office tele no. [protected] dt 27-01 time 18-33-12
raj ariya icici mumbay tele no. [protected] dt. 27-01 time 18-57-00
sunny sing from haydrabad icici tele no.[protected] dt. 20-01 & 21-1
rajive from icici haydrabad tele no.[protected] dt.28-01 time 14-48-42
this are all call me from icici

i have also comfed for one police me havent pay any money from your callcenter tele no.[protected],[protected] coustemer serives icici wich
given name that time rajive

i thing your compney make Cheating & Fraud with customer

i talk advice from advocate so i clame on you advocate fees & mentel
hearesment ithing you making a 420 with customer
your costumer
make money from cheating coustemer cant go to court for small money so they pay and compney sell that product wich cant sell lockel market gover. should take stape on it i complen also gov.dep.

22- A JAGNNATH PLOT STREET NO. 2 KALAWAD ROAD
RAJKOT
360005
tele .[protected]
mo. [protected]

sbhatiya

Twice, the ATM did not disburse the money. When I contacted the customer service rep, they are saying that their records show successful transaction. So, they will not revert the transactions. How does one handle these guys who are robbing off people during daylight!! I am planning on closing all my accounts and my family accounts with this bank, because of teh poor customer service I received. There is no protocol or procedure that these guys follow when the ATM does not dispense money properly!!

My Name is rakesh bhatia. i m leaving in faridabad. i m using cr card last 7 yrs ago . but oct month 2008 my card used online . same day i will complaint to ICICI bank . my card is looked . but icici bank cann't be help . bank officer told me this is not problem. i m fax many time and mail mail time but proper not responed to me

can u pls help sir. i m frusted

my number is [protected]
rakesh bhatia





Sir,

today as per telephonic with customer executive . i have 2 Revf # SR88413398 & SR97866447.



Both are mail attach in this mail pls check and also attach file


Thanks & Regards

Rakesh
[protected]



--- On Thu, 19/2/09, vicky ku <[protected]@yahoo.co.uk> wrote:

From: vicky ku <[protected]@yahoo.co.uk>
Subject: Ref# SR88413398
To: [protected]@icicibank.com, customer.[protected]@icicibank.com
Date: Thursday, 19 February, 2009, 7:47 AM

Dear Sir,


My name is rakesh bhatia residence in Faridabad (Haryana). i m using
this card last 6 years. but last Oct Month 2008. Anyone use my CR card
through Online. 2 fraud transactions show my cr card. Immediate I was
card block and last 2.3 month call to customer care but proper not
response.
i was sending a fax many time
so i have request number SR88413398. another pls check ur computer. pls

take this action asap

30/10/2008 75425318305000273585593 VODAFONE ESSAR MOBILE NEW DELHI Rs. 1, 900.00(DR)
30/10/2008 75425318305000273585585 VODAFONE ESSAR MOBILE NEW DELHI Rs. 1, 800.00(DR)

Thanks & Regards

Rakesh




Dear Sir,


My name is rakesh bhatia residence in Faridabad (Haryana). i m using
this card last 6 years. but last Oct Month 2008. Anyone use my CR card
through Online. 2 fraud transactions show my cr card. Immediate I was
card block and last 2.3 month call to customer care but proper not
response.
i was sending a fax many time
so i have request number SR88413398. another pls check ur computer. pls

take this action asap

30/10/2008 75425318305000273585593 VODAFONE ESSAR MOBILE NEW DELHI Rs. 1, 900.00(DR)
30/10/2008 75425318305000273585585 VODAFONE ESSAR MOBILE NEW DELHI Rs. 1, 800.00(DR)

Thanks & Regards

Rakesh

Dear Sir,

This is in regards to my father's ICICI Bank Credit card.
This card was offered free to my father.
My father never ever used the card, until one day a telecaller called him up and told him that since " you dont use the credit card, could we please pay your Vodafone bill from it ". my father replied in the affirmative.

for next few months the mobile bill was paid by ECF facility of the credit card. however one day when my father went to pay the credit card bill he realised that it was better if he directly paid the bill to vodafoneand wanted to withdraw from the facility.

we wrote an email and also a letter to the bank to cancel the facility.A telecaller called up and asked us to cut the card and send it to the bank.(we did the same )

Post this my father started paying his own vodafone bill only to realize that the bank still was paying it.there was double payment of the vodafone bills.

We once again called up and the bank telecaller said it will stop.. however it continued.
We decided not to pay the bill for the credit card and told the telecaller so.. she said its ok dont pay and the card will automatically stop.

we were surprised to recieve a bill of Rs.10, 000 /- for the same .

Next we realised that, the money was taken away from my sisters school fees account withing 48 hrs.

Is This what you call service.???

I would like to know of what next could be done.. I want to take this matter to the highest authority in ICICI Bank and.. bring to their notice o the fraud that the company does.

Please let know

Thanking You
Warm Regards

Niraj PArekh
Assitant Vice President
ZEE TV
GSM [protected]

closure of recurring deposit

one of my recurring deposit was matured and was supposed to get debited in my saving bank account on 18 April 09, i waited for some day after 18th april hoping it will be done however it was never done. When i checked with ICICI customer care they informed that money is with icici bank and than i place a request to debit the amount in my icici account. I was promised it will be done in 1 working day and as if now 5th may the money is no show.

ICICI customer care agents and supervisor have no clue on this and they keep giving excuses like system is not working, we’ll forward the request to the backend department etc. Most of the time these agent done have any idea what they are speaking. Even their supervisor have no access to the information.


Please help me, i’ll provide all the relevant information along with service request nos. And call recording of call centre agent.

regards

Dear Sir/ Ma'am,

My Name is Miss Akshata R Chettiar, I had been a customer with ICICI Credit Cards, I had made my first purchase in June 2007, the purchase was made for 5647, from Richie Rich Shop in Vasai West, and I had also taken membership with Real Player, and since then my problems have begun. As i could not pay the whole amount at a time i kept paying minimum amount and also did make a lump sum amount payment. But each time they kept increasing everytime, after sending an email to the Real Customer Care, they sent back the amount they had been charging me, even after that the amount didn't decrease. I had broken the card and sent it to their company but got no response, but I also got threatening calls, and also got a call from a employee from the collection department, and she spoke rudely, ridiculed me calling me names. For which I complained to the ICICI customer care but got no proper response, and they keep sending me bill and also charge me for the purchases that has not been done by me. I got the latest bill for 15, 357... I will be sending all the emails that I have sent ICICI and the response from them. Please help me. I have all the evidence and the information needed but it is in a hard copy, will be sending them as soon as possible. My contact number is[protected] and my home number is[protected]. Please let me know if you need any information.

Thanks and Regards

Akshata R Chettiar





[protected] Forwarded message[protected]
From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Date: Tue, Jan 6, 2009 at 5:35 PM
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / New Customer / [protected]@gmail.com
To: "[protected]@gmail.com" <[protected]@gmail.com>


Dear Ms. Chettiar,

Further to our telephonic conversation, we inform you that your credit card has been de-activated due to non receipt of the payment outstanding. We request to make the payment as per statement of avoid further financial charges.

Late payment fees are charged if the minimum amount due is received after the due date. It is charged at the rate of 30% on minimum amount due, subject to a minimum of Rs. 300.00 and maximum of Rs. 600.00

Late Payment Charges will be levied in the following cases:
* When we do not receive payment of minimum amount outstanding before due date.
* When the payment made is less than the minimum amount outstanding.
* When the payment of minimum amount outstanding is credited after due date.

Interest charges: As per card holder manual, interest charges are accrued in any of these cases:
1. You make a payment for minimum amount outstanding
2. You make a payment less than total amount outstanding
3. If no payment is made.

Interest is charged:
* On the transactions in previous statement from the respective transaction date till the statement date
* On the total amount outstanding from the statement date till the part payment date
* On the remaining amount outstanding balance till the next statement date
* On the fresh purchases done thereafter, till the next statement date.

Rate of interest @ 3.40% is applicable on your ICICI Bank Credit Card whenever a part payment is made.
Sincerely,

Tulsi Sirivella-Emails CC-Hyd
Customer Service Officer
ICICI Bank Limited

Season's Greetings! Hope the New Year brings you and your family joy & prosperity and make our relationship stronger than ever

ICICI Bank now offers 9.75% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch

Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking>Cards>>Credit Card>>View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.

-----Original Message-----
From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Date: Tuesday, January 06, 2009 03:49 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Credit Card / New Customer / [protected]@gmail.com


Title: Ms.
First Name: Akshata
Last Name: Chettiar
An ICICI Bank Customer: No
Product: Credit Card
Account No: NA
What would you like to say: Dear Sir / Ma'am,

I would like to bring to your notice, I used to be a credit card holder with your bank, however, I have did not have a satisfactory use of the same. For which I had couriered back the card along with a letter to the address mentioned on your customer care online. I have been waiting for a response but have not received any as yet. My name is Akshata R Chettiar, and i am sorry to say but as i dont have my credit card with me I do not remember my number. I would like to get a proper clarification from your accounts department, to my ever growing amount that I have to pay, even after receiving the "RealNet" amount back, i am being charged for its interest, and even after me break my card in to four pieces and sending it back, i am being charged an amount for some expenditure that has not been incurred by me. I am an employed person and hence dont get time to come up to ICICI office and sort out my issue personally. So I would like to request you to check in to the matter, do a proper calculation and give me a correct bill, Coz the bill that was sent to me does nothing but make me suspicious of its nature. Please do the needful, and if possible please send a representative at my residential address to sort this issue out for once and for all. Hope to get a favorable reply.

thanks and regards

Akshata
E-mail address: [protected]@gmail.com
Telephoneno:+91-022-[protected]
Correspondence address: 111 / 301 Aries Co-op Housing Society, Evershine City Avenue, Sector - 2, Gokhiware, Vasai Road (East)
Thane District. 401208


City: Mumbai
Country: India
Pin Code: 401208




a[protected] Forwarded message[protected]
From: akshata chettiar <[protected]@gmail.com>
Date: Tue, Jan 6, 2009 at 7:52 PM
Subject: Re: 'ICICICARE=[protected]' Product: Credit Card / New Customer / [protected]@gmail.com
To: ICICI Bank Customer Care <customer.[protected]@icicibank.com>


Thank you for replying, but this is not helping me in any manner, I have been asking you to clarify the bill that been sent to me. There was a dispute about me being charged for the "REAL PLAYER", but the refund was done by the "REAL NET" to the account, but still that did not lower the rate in my bill, and to top it all I am being charged for a purchase that has not been done by me, time and again I keep getting bill with and increased amount every time, I have sent the credit card back to your company with a letter attached but have not received any reply, I am just tired of all this nonsense, I have received no help from your company whatsoever, and what telephonic conversation you are talking about, I got a call from your department, when I was busy and requested to be contacted later in the evening, but nothing as such happened and you send me this automated email. I want this sorted out once and for all, please help me and stop sending me these automated replies it does not help in anyway. Sending you an attached email that shows the ploughed back amount from "RealNet", please go through it and please give me all the details of my bill.

Ms Akshata R Chettiar


On Tue, Jan 6, 2009 at 5:35 PM, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

Dear Ms. Chettiar,

Further to our telephonic conversation, we inform you that your credit card has been de-activated due to non receipt of the payment outstanding. We request to make the payment as per statement of avoid further financial charges.

Late payment fees are charged if the minimum amount due is received after the due date. It is charged at the rate of 30% on minimum amount due, subject to a minimum of Rs. 300.00 and maximum of Rs. 600.00

Late Payment Charges will be levied in the following cases:
* When we do not receive payment of minimum amount outstanding before due date.
* When the payment made is less than the minimum amount outstanding.
* When the payment of minimum amount outstanding is credited after due date.

Interest charges: As per card holder manual, interest charges are accrued in any of these cases:
1. You make a payment for minimum amount outstanding
2. You make a payment less than total amount outstanding
3. If no payment is made.

Interest is charged:
* On the transactions in previous statement from the respective transaction date till the statement date
* On the total amount outstanding from the statement date till the part payment date
* On the remaining amount outstanding balance till the next statement date
* On the fresh purchases done thereafter, till the next statement date.

Rate of interest @ 3.40% is applicable on your ICICI Bank Credit Card whenever a part payment is made.
Sincerely,

Tulsi Sirivella-Emails CC-Hyd
Customer Service Officer
ICICI Bank Limited

Season's Greetings! Hope the New Year brings you and your family joy & prosperity and make our relationship stronger than ever

ICICI Bank now offers 9.75% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch

Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking>Cards>>Credit Card>>View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.

-----Original Message-----
From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Date: Tuesday, January 06, 2009 03:49 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Credit Card / New Customer / [protected]@gmail.com


Title: Ms.
First Name: Akshata
Last Name: Chettiar
An ICICI Bank Customer: No
Product: Credit Card
Account No: NA
What would you like to say: Dear Sir / Ma'am,

I would like to bring to your notice, I used to be a credit card holder with your bank, however, I have did not have a satisfactory use of the same. For which I had couriered back the card along with a letter to the address mentioned on your customer care online. I have been waiting for a response but have not received any as yet. My name is Akshata R Chettiar, and i am sorry to say but as i dont have my credit card with me I do not remember my number. I would like to get a proper clarification from your accounts department, to my ever growing amount that I have to pay, even after receiving the "RealNet" amount back, i am being charged for its interest, and even after me break my card in to four pieces and sending it back, i am being charged an amount for some expenditure that has not been incurred by me. I am an employed person and hence dont get time to come up to ICICI office and sort out my issue personally. So I would like to request you to check in to the matter, do a proper calculation and give me a correct bill, Coz the bill that was sent to me does nothing but make me suspicious of its nature. Please do the needful, and if possible please send a representative at my residential address to sort this issue out for once and for all. Hope to get a favorable reply.

thanks and regards

Akshata
E-mail address: [protected]@gmail.com
Telephoneno:+91-022-[protected]
Correspondence address: 111 / 301 Aries Co-op Housing Society, Evershine City Avenue, Sector - 2, Gokhiware, Vasai Road (East)
Thane District. 401208




[protected] Forwarded message[protected]
From: akshata chettiar <[protected]@gmail.com>
Date: Tue, Jan 6, 2009 at 7:52 PM
Subject: Re: 'ICICICARE=[protected]' Product: Credit Card / New Customer / [protected]@gmail.com
To: ICICI Bank Customer Care <customer.[protected]@icicibank.com>


Thank you for replying, but this is not helping me in any manner, I have been asking you to clarify the bill that been sent to me. There was a dispute about me being charged for the "REAL PLAYER", but the refund was done by the "REAL NET" to the account, but still that did not lower the rate in my bill, and to top it all I am being charged for a purchase that has not been done by me, time and again I keep getting bill with and increased amount every time, I have sent the credit card back to your company with a letter attached but have not received any reply, I am just tired of all this nonsense, I have received no help from your company whatsoever, and what telephonic conversation you are talking about, I got a call from your department, when I was busy and requested to be contacted later in the evening, but nothing as such happened and you send me this automated email. I want this sorted out once and for all, please help me and stop sending me these automated replies it does not help in anyway. Sending you an attached email that shows the ploughed back amount from "RealNet", please go through it and please give me all the details of my bill.

Ms Akshata R Chettiar


On Tue, Jan 6, 2009 at 5:35 PM, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

Dear Ms. Chettiar,

Further to our telephonic conversation, we inform you that your credit card has been de-activated due to non receipt of the payment outstanding. We request to make the payment as per statement of avoid further financial charges.

Late payment fees are charged if the minimum amount due is received after the due date. It is charged at the rate of 30% on minimum amount due, subject to a minimum of Rs. 300.00 and maximum of Rs. 600.00

Late Payment Charges will be levied in the following cases:
* When we do not receive payment of minimum amount outstanding before due date.
* When the payment made is less than the minimum amount outstanding.
* When the payment of minimum amount outstanding is credited after due date.

Interest charges: As per card holder manual, interest charges are accrued in any of these cases:
1. You make a payment for minimum amount outstanding
2. You make a payment less than total amount outstanding
3. If no payment is made.

Interest is charged:
* On the transactions in previous statement from the respective transaction date till the statement date
* On the total amount outstanding from the statement date till the part payment date
* On the remaining amount outstanding balance till the next statement date
* On the fresh purchases done thereafter, till the next statement date.

Rate of interest @ 3.40% is applicable on your ICICI Bank Credit Card whenever a part payment is made.
Sincerely,

Tulsi Sirivella-Emails CC-Hyd
Customer Service Officer
ICICI Bank Limited

Season's Greetings! Hope the New Year brings you and your family joy & prosperity and make our relationship stronger than ever

ICICI Bank now offers 9.75% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch

Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking>Cards>>Credit Card>>View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com

CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.

-----Original Message-----
From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Date: Tuesday, January 06, 2009 03:49 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Credit Card / New Customer / [protected]@gmail.com


Title: Ms.
First Name: Akshata
Last Name: Chettiar
An ICICI Bank Customer: No
Product: Credit Card
Account No: NA
What would you like to say: Dear Sir / Ma'am,

I would like to bring to your notice, I used to be a credit card holder with your bank, however, I have did not have a satisfactory use of the same. For which I had couriered back the card along with a letter to the address mentioned on your customer care online. I have been waiting for a response but have not received any as yet. My name is Akshata R Chettiar, and i am sorry to say but as i dont have my credit card with me I do not remember my number. I would like to get a proper clarification from your accounts department, to my ever growing amount that I have to pay, even after receiving the "RealNet" amount back, i am being charged for its interest, and even after me break my card in to four pieces and sending it back, i am being charged an amount for some expenditure that has not been incurred by me. I am an employed person and hence dont get time to come up to ICICI office and sort out my issue personally. So I would like to request you to check in to the matter, do a proper calculation and give me a correct bill, Coz the bill that was sent to me does nothing but make me suspicious of its nature. Please do the needful, and if possible please send a representative at my residential address to sort this issue out for once and for all. Hope to get a favorable reply.

thanks and regards

Akshata
E-mail address: [protected]@gmail.com
Telephoneno:+91-022-[protected]
Correspondence address: 111 / 301 Aries Co-op Housing Society, Evershine City Avenue, Sector - 2, Gokhiware, Vasai Road (East)
Thane District. 401208


City: Mumbai
Country: India
Pin Code: 401208

I don't know what is wrong with this Express IT courier. They delivered my courier (Internet Banking Password) from ICICI Bank to wrong people though the address mentioned on the courier was correct. I am really astonished at this inefficient service. WHY ICICI BANK STILL KEEPS THESE KIND OF COURIER COMPANIES AS SERVICE PROVIDERS?

Here, more than Express IT, ICICI Bank is losing its reliability and trust of its customers.

Hi all,

I don't have to tell how unethical ICICI Bank is. And our judicial system is such that such banks are growing more confident day by day. I deposited a cheque against my balance to be paid after few days. I got a call that they didn't received any amount and that due date is near so I am requested to pay before that date. I knew it was a case of misplaced cheque so I blocked that cheque and deposited another one. After a month i get a statement that they received the misplaced cheque so they credited and then debited as the cheque is already blocked now. On top of that they also charged me with cheque return fee of 250/-. I thought, ok i cannot prove that its there fault and that they misplaced, so I kept quiet and accepted the credit card statement. After 6 months I again get a statement with that cheque again debited increasing my outstanding balance to be paid. I registered a complaint in customer care saying that how can they debit same amount twice that too after six months. They accepted the mistake and promised to call back. Did the call came..whats your guess :) Yah! never came. so I had to get back to customer care and threatened them with consumer court and non payment of any amount until they resolve the mistake. And you know what the customer care professional says " Sir you can very well give a complaint to consumer court". Great they are so used to it that now they are very confident that nothing will happen.

I will not leave them just like that, but before doing anything foolish I just wanted to have your guidance so that I am protected by law.

Thanks a lot. And please avoid ICICI the most corrupt bank in India.

Amit