ICICI Bank Complaints & Reviews

Dear Sir,

My self Nataraj Bitla. I have opened my account last two or three years. My account no is[protected]. I am staying at Warangal in Andhrapradesh. The icicibank why they cut the balance of my account without any information. The charges is 20/04/2009 QABChgs, , Jan-Mar09+ST77 DR INR 843.00. I will request the consumer court to give me my balance as early as possible
I hope u will solve my query as soon as possible.

R/s Sir,
We had issued cheque for Rs.4200/ chq no 589356 dtd 28/03/2009 of central bank of india and chq 262251 for 5000/ dtd 10/04/2009 of state bank of india towards minimum amount due on the card .
The cheque is put in the cheuqe drop box of icici atm near koparkhairane railway station which is normally picked up every day by the courier boy of ERS COURIERS as told by the watchman of the ATM.
The fate of the above cheques is not known till date.Inspite of repeated enquiries thru phone banking officers for connecting to the chq collecting dept. we have not been able to either get the cheque back or get it collected for our card account.
The ICICI bank has already penalised the card with extra charges for no fault of ours without rationale regarding their collection dept's business ethics .
Please treat the matter as urgent as the cheque should not fall into wrong hands or misused in future also by anybody.

Affected customer.

I have taken home loan (A/C No : LBNOD[protected]) from ICICI bank on Floating Rate of Interest. The Bank gave me loan on 7.5% Floating ROI in Mar 2006. The ROI calculation shown to me is (FRR (9.25) - Discount (1.75) = Floating ROI (7.5)).

After 3-4 days, my friend(works in same company) took the home loan from ICICI bank for same type of developer flat and he got Floating ROI of 7.5% (FRR(9.75) – Discount (2.25) = Floating ROI(7.5)).

After that I complained several times to understand this unfair practise of Floating Rate. The Bank representative only talks about FRR and don’t want to talk regarding discount component. However it has two components to control the customer Floating rate of interest. First one is FRR(which has some kind of transparent process) and second component is Discount(which is entirely controlled by Bank. No transparency).

Now bank is giving home loan of Floating Rate of Interest of 9.75% and calculation is FRR(13.75) – Discount(4.00) = Floating ROI(9.75).

I would like to know on what basis Discount of 4% given to new customer and is this factor also depends upon time then what is the meaning of FRR.

If the bank has fund to give loan on 9.75% then why FRR has been kept on 13.75 to cheat old customer.

Dear Sir,
ECS happening even after ECS stop request was given in written.
I have salary account with ICICI Aundh Branch. I had requested by giving a handwritten application request to the ICICI Branch office, to stop the ECS, which is on Greenpeace NGO. Officer confirmed me that these ECS will no more be there. After 2 months I again confirmed whether this ECS are really stopped or not, ICICI officer again gave me assurance that this ECS is stopped. But next month INR 1800/- was deducted from my salary account through this ECS (7 06/04/2009 ECS/[protected]/GREENPEACE ENVI DR INR 1, 800.00). I want my money back. I want this ECS to stop for future.

Vivek Dahake

SIR,

I am holding a free card No [protected] having the limit of Rs.1, 00, 000/- and there is an outstanding amount of Rs.89414/- .

Subsequently I have received a call regarding I am a previleged customer of the bank and offering me the Amex Gateway Premium card and taken on line confirmation, and taken Balance transfer request of Rs.90, 000/- and issued me a card bearing No [protected].

Subsequently after few days I have received a statement dated 28/02/2009. In this statement surprisingly my limit was given Rs.1, 00, 000/- and balance transfer entries was made apartfrom that the amount of outstanding in my previous card No [protected] transferred to this new card account and shown as the limit is Rs 100, 000/- and purchases and other charges as 188537.97 and not charged any overlimit fee.

Further in the next statement dated[protected] they have charged overlimit fee of Rs.4285.72 and Late payment charges, and interest charges. In fact it is clearly understand that my previous card outstanding amount of Rs. 89414.09 was transferred to new card but the limit of the card of Rs.100, 000/- was not transferred. due to this transaction my new card was overlimited.

Therefore, the ICICI BANK have automatically change my free card to High Annual fee card, and issued Balance transfer drafts and levying overlimit fees and interest charges heavily. I am mentally got tension for settling the matter. Hope you will do needful and settle my issue for levying overlimit fee and interest charges as i have not done any purchases from my side and it was only happened due to transfer of my old card outstanding amount to new card only.


thanking you,
K PHANIKUMAR

Hi,

I intend to register a complaint against ICICI bank wherein on 6th of April I tried to withdraw 7000 rupees and I headed for a close atm machine of State Bank of Indore (Sector 19, Noida). I first used my ICICI salary account debit card and the machine gave out a message (Response code - 072, Unable to process) and no money was dispensed. Just after this I tried with my ICICI savings account and the same message came. Upon all this I thought probably the ATM machine doesn't have cast to dispense.
The next customer got in and he was able to get money from the machine and this induced me to use my HDFC savings account debit card and this time the machine gave out seven thousand.
After half an hour I got two seperate sms's on my mobile that my salary account and savings account on ICICI bank have been debited 7000 each.
I immediately logged a complaint with ICICI customer care.
Its a terrible experience and ICICI bank is just asking me to wait. Intially they asked me to wait for 8 days, and now through another email they have asked me to wait for further 12 days.
Through this mail I want to make warn all ICICI customers to be very cautious in using ICICI debit cards across non-ICICI atm machines.


I will appreciate if you can help me find a way to get back my money. And let me tell you that this is the second time I am facing this issue. The previous case happened with me last year (one day prior to Diwali) when there was a similar transaction done for three thousand rupees and it took a painful three months period to get my money back from this bank.

Thanks.

Regards,

Vivek Sahni

I had received a letter for setlement of my credit card. When I called their numbers as listed in the letter, no one answers. Finally someone answered on 18/4/09 after 2 months of continuos calling and when asked whether anyone works there as I had been calling continuosly, they said yes finaly someone answered your call which means someone works..And the mand who was speaking was a Desk Service Manager - Rinku Raj Datta, Ph # [protected]. He didnt know how to talk at all, he was only insulting on the phone. In the past I have also put an NC on the bank as they were calling and giving me threats. When I asked him whether I can pay in 2 instalments he says " You want to pay the money, pay it in one installment, or else keep receiving letters. He tells me that you have pocketed (robbed) the bank..and it is the banks money and if you dont settle it we can do anything we want." Is this the way t talk to a customer. Even if I have a problem they should be willing to settle it in 2 installments, finally they are receiving the money bank. I want action to be taken on ICICI for talking so ruthlessly to customers.

hiii m jitender singh rawat i had a policy in ur company n my policy no is 08097110. i had given the premium to your agent advisior mr dhirender kumar n his agent code is 00280749 but he cant submitted the premium I wish to Inform U that Few days Back i talk to ur Executive Amruta Shetye, She told me that dhirender kumar will pay the premium but he wiil not pay the premium So I have request to u plz Follow my case as soon as possible n plz call me on my altertnate no [protected]

To,



The Manager,

Flexi Cash Account.



Subject: Reverse the Late Fee Charges & Interest

I am holding ICICI Bank Flexi Cash Account[protected]. I have got a call from Customer Support on 28th November 2008 and they requested to settle the account by November end. Bcoz of some personal I could not able to do on time (Met with Accident) and I deposited money (Rs. 20, 000 + salary Amount Rs 17, 000) on 4th December 2008.



Without any information my Salary Account has been lean on 1st December 2008, there is no any formal mail or letter with regard to this. When I checked my account on 1st March 2009. The Flexi Cash account has not been settled, From December to March but Interest & late Fee Charge has been deducted from my account. I called Chase and spoke with two customer service reps. They both told me there is absolutely no way that my fee and finance charge would be removed. I explained that this has NEVER happened before and that I thought it just good business for a
company to give the customer a break given the circumstances.I explain that I have already paid, call up the customer care and register a complaint the executive says that every thing is ok and he will forward the request and things will be settled. Are u running bank or doing some mafia activites of sucking human blood(money). We are earning money by our hardworker and paining ourselves. So each paise is very important to us and we have all the right to ask you. But your customer service persons putting charges against us for their mistakes.I hope this mail is being read by a person who has good soul and know the customers value.Pls take necessary action against this complaint and reverse the charge which was stated in my account statement. Hoping u will reverse the late fee charge and interest

Thanking your

TV.MOHAN

[protected]

I am a policyholder of ICICI Prudential. Of the various options given by ICICI Prudential, I chose the Auto -Debit facility through ICICI Credit Card around October 2007. I was told that this mode was without any charge. Thereafter:

1. Once in late 2008 I was informed by ICICI Prudential that my premium payment was refused by the ICICI Credit Card. Being surprised to hear this as I never defaulted in payment of Credit Card Bill, I immediately contacted ICICI Bank on which they told me that ICICI Prudential did not present the bill and hence no payment was made. Finding the version of both the companies contradictory, I had to make numerous calls. After a lot of follow up this facility was restored.

2. However, again in February 2009 I faced same problem and replies of both the companies were same. Again I had to make a lot of follow up but that same was of no avail and I received a message from ICICI Prudential that if my payment was not paid my policy would lapsed. Then at last I had to visit the office of ICICI Prudential and make the payment through cash.


3. It may be mentioned that in the begining of this year i.e. 2009 ( i cant remember the month exactly) I received a call from ICICI bank that I had registered for premium payment through Bill Junction to which I replied in negative. That time I was not able to understand why this call was made but now it is very clear.

4. In March 2009, I received a call from ICICI Bank saying that I had registerd for bill payment vide my request made on August 15, 2008, which was a false statement from ICICI Bank. I asked the representative that what was purpose of making this call and whether she can give me proof of my such request, to which she had no answer.


5. Then on April 12, 2009 I received an SMS from ICICI bank that my autodebit facilty has been deleted at my request, which in fact was never made by me. Then I visited the site of ICICI Prudential and by logging in I made the payment through same credit card. One day after I received a call from ICICI Bank representative that why dont I get registered for bill payment then I informed her that on one day the facility is withdrawn and next day facility is offered. Then she told me that I could gain get registered and I would have to pay Rs. 100/ per year.

In fact this last line made the entire picture claer and I understood why this entire things had happened. All this was to collect the new charge which otherwise I was not liable to pay under auto debit facility. But as I was not willing to opt out of that facility it was done by ICICI unilaterally and then falsely stating that the same was done at my request.

There I would like to say that such practice folowed by ICICI bank is quite unfair. First they attract the customer and therafter to charge them adopts various means. In this process they unnecessarily harass the customers and waste their valuable time.


Regards

Alok Chandra Singh

Hi,

These is regarding the statment of ICICI credit card. I'am being using the icici credit

card for billing my MTNL Bill (which is autogenereated). I had been charged double then

my actual billing amount showing me as an late fees, Service tax, interest etc which

are not applicable.

Breifing about my issue, I had an talk with ICICI officer in month of December he told

me that i had an due which would be settled after paying an amount of 24500. He told me

that these would be my final amount to clear all my dues. But after doing al my payment

on 19 Dec 08 i got another statement on 20 Dec 08 mentioned with 120 Rs. balance amount

is balance and also they applied me 400 Late fee charges on that.

Now from month of Jan to Mar the amount exceeds to 2850 out of which only 1600 is my

billing
amount i find no reason to pay them extra.

Please help me going further others wise they would again charge me late fees for these

month also.

Please contact give me miss call or call me at [protected] (Aslam).


With Regards
Aslam.

DEAR SIR/MADAM

I TAKE HOME LOAN OF RS.5, 73, 832( RS.FIVE LAKHS SEVENTY THREE THOUSAND EIGHT HUNDRED &THIRTY TWO)AT 7.5% .NOW DAYS YOUR RATE OF INTREST IS 12.50%.THIS IS VERY HIGH COMPARE TO OTHER BANKS.ICICI BANK REDUCED 0NLY 0.5% RATE WHEN OTHER BANKS REDUCED 2 TO 3% FOR EXISTING CUSTOMERS.
IS THERE ANY SCHEME OF SWITCH THE LOAN FROM HIGH INTREST TO LOW INTREST .I READ IN NEWSPAPER & SEE NEWS IN CNBC/IBN7 TV CHANNELS THAT PAYING 0.5 %FEE ON OUTSTANDING LOAN AMOUNT BANK WILL SWITCH LOAN FROM 12.5% TO 9.75 % UPTO 31/04/09
PLEASE CONFIRM ME ABOUT THAT SCHEME
WE HAVE 200 + GROUP OF COMPANY EMPLOYES FACING SAME PROBLEM OF HIGH RATE OF INTREST.
PLEASE PRESSURISE TO RBI &ALL CONCERN PEOPLE TO SLOVE THIS MATTER

THANKS & REGARDS
NITIN SATHE

Dear Sir,
ICICI Bank has despatched two credit cards on my address TMC Bunglow No.22, Sector -5, Reliance Greens, Motikhavdi, Jamnagar 361142 on 13th Apr'09. The consignment nos are EM[protected]IN and EM[protected]IN. There is no traking visible on your tracking system for these consignments. Please help me in locating the consignment and delivery to me asap.

Thanks

D.M.KATRE

I hve a complaint tht i had paid one of my personal for two years and third year i was not able to pay it bcoz i chnged my job and due to some financial crisis it was not able for me topay the remaining emi's - howver after two years ICICI bank blocked my salary bcoz i tuk the loan form sme bank in 2005 - and now my salary of 21, 400/- has been blocked by the bank and they never informd me and i hve this account ffrom almost one an half year and this account of mine is very clean nothing is wrong with this account - and now i dont hve anything in my hand and i want to settle this account . will u pls tell me are there aany chnces of settlement bcoz i cant bear to pay the amnt of 39000/- to icici - and even i hve a complaint bcoz one of the representative didnt spk to me politely and told me tht i m a begger and i will not be able to pay my loan - for the remaining installments - and i was so pissed off thts why i decided tht if i am not getting the value as a customer then why shud i pay them and i hve also forwarded this complaint to bank no action wastaken - now wht to do ? bcoz i dont hve any money to pay them and not even my family had bought the basic necesscity of home ?

Dear Sir,
My Self MR.BHRIGUNATH SINGH, Saving A/C No.[protected] ICICI Bank, KANPUR.
On 06/04/09 i have used the debite card of the above mentined a/c for money withdrawal in
SBI Atm, Shirur, Dist-pune.
I have asked for Rs.17000 but at that time i have got the massage of "unable to dispense the money"but from my a/c money is already deducted so kindly arrange to refund my money as early as possible.i have already lounch the complaint with customer care with telephonic talk.(complaint no.[protected]

R/Sir I have a credit card o[censored]r bank my card no is 4477++++++++5002. I will be paid ur total outstadings.after that why ur bank produce overdues. sience i will not use ur card when i clear ur overdues. i will not able to pay ur dues. so pls. consider my application. thanks.

Complaint - " i have made payment of MY ICICI Credit Card jan statment on time cheque got delayed at banks end - i have take regular followups for my cheque for 15 days some how cheque found n debited to my ac cheque was of full amount. my complaint is the unecessary lavying of interest charges of 2539 + service tax of 313 dt 21/01/2009. even when late payment which was levied on my card was reversed in next statement. here by i request to bank reverse that Interest Charges WEF. this is my 5th attempt to raise my query after my previous mail + written letter(dropped at Ibank ATM) + few call to customer care..
Credit Crad NO = [protected]
E-mail address: [protected]@yahoo.com
Telephoneno:+[protected]
Correspondence address: 203, abhiyank estate, university road, thatipur
City: gwalior
Country: India
Pin Code: 474011

Encls::Copy of correspondence with the bank + both the statement

Dear Mr. Vijayvargiya,

We have understood your concern, however as per bank we are unable to reverse the interest charges levied in your credit card account on January 21, 2009.

Sincerely,

Chigulla Tulasi-Emails CC-Hyd
Customer Service Officer
ICICI Bank Limited

"ICICI Bank now offers 8.50% p.a. on fixed deposits for 390 days and 590 days, 8.75% p.a. for 990 days. Please contact any ICICI Bank branch."

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: ashish vijayvargiya ([protected]@yahoo.com)
Date: Friday, April 10, 2009 09:56 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: Product: Credit Card / Old Customer /[protected]@yahoo.com

Dear Tulsi,
Thanks for your reply !
you can make it in next statement as this charge is unnessary levied on my card.
(i cant undersatand why this carge is still there as all other charges like late payment fee etc waived by bank coz cheque delayed at your end - i had make payment of full amount of 81k on time in present scenario..)
i request you to treat me keeping the view that i am associate with your sinnce long n my bank interaction is allways clean
hope your organization will look into it n make the reverse.
Regards

--- On Wed, 8/4/09, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:


From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@yahoo.com
To: "ashish vijayvargiya" <[protected]@yahoo.com>
Date: Wednesday, 8 April, 2009, 10:45 PM


Dear Mr. Vijayvargiya,

For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com

We regret our inability to reverse the interest charges levied on your Credit Card account as we have received the payment towards credit card outstanding.

We request you to make the payment of credit card outstanding to avoid the financial charges.
Sincerely,

Chigulla Tulasi-Emails CC-Hyd
Customer Service Officer
ICICI Bank Limited

"ICICI Bank now offers 8.50% p.a. on fixed deposits for 390 days and 590 days, 8.75% p.a. for 990 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: Wednesday, April 08, 2009 08:26 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Credit Card / Old Customer / [protected]@yahoo.com


Title: Mr.
First Name: ashish
Last Name: vijayvargiya
An ICICI Bank Customer: Yes
Product: Credit Card
Account No: [protected]
What would you like to say: Dear sir,
i have made payment of jan statment on time cheque got delayed at your end - i have take regular followups for my cheque for 15 days some how cheque found n debited to my ac cheque was of full amount. my complaint is the unecessary lavying of interest charges of 2539 + service tax of 325 dt 21/01/2009. even when late payment which was levied on my card was reversed in next statement. here by i request you to reverse that Interest Charges WEF. this is my 5th attempt to raise my query after my previous mail + written letter(dropped at Ibank ATM) + few call to your customer care..
E-mail address: [protected]@yahoo.com
Telephoneno:+[protected]
Correspondence address: 203, abhiyank estate, university road, tahtipur
City: gwalior
Country: India
Pin Code: 474011

Dear Team,

I have transfered Rs 8300 from my ICICI bank account to my HDFC bank account and the same has not been credited in my HDFC bank account >kindly do the needful
I am writing this mail for the third time .Kindly take an urgent action at the earliest ..It would be a great help for me

Beneficiary Details
Bank Name H.D.F.C. BANK LTD.
Branch RELIANCEEXTNMUMBAI, MUMBAI
Account No [protected]
Account Type SAVINGS ACCOUNT
MICR[protected]
IFSC HDFC0000228
Exact date of Funds transfer[protected]
Mode of Funds transfer (NEFT, RTGS) - NEFT
RBI reference number of Funds transfer-[protected]

Thanks
Vijay goel

Dear Sir,
For the last 3-4 months I am getting regular calls at my cell number([protected]) for the non payment of Loan A/C No. LPTNE[protected] for one Mr.Lambodar Mishra.

I have complained about this to my ICICI bank a/c manager using online mailing system at ICICI Bank Site.They have apologized regarding the same but the calls have never stopped coming.

I am getting these call from the following numbers:

[protected]

[protected]

Following are my details:

Name:Prateek Das

A/C No:[protected] of ICICI Bank Powai Branch


Pls. have a look into this matter and pls stop the calls.

Thanks.
Prateek Das

Respected Sir/Madam,
I am an existing account holder from ICICI bank.I stay in Talegaon Dabhade and dont have an ATM facility so I made use of SBI ATM to withdraw Rs. 10, 000/- But there was an error 072, unable to process message on the receipt. When I withdrew some cash from ICICI, LOnavla branch ATM it showed that Rs. 10, 000/- debited from my account which we actually did not receive it due to the error.
SBI being such a internationally reputed bank, such kind of act is unexpectable. Hence I request the concerned authority to look into the matter and do the needful with intimation to me so that I can follow-up and take the necessary further actions.I request th SBI authorities to kindly deposit the abovegiven denomination to my ICICI account with reference to ICICI bank officials. My account no. is[protected].

Regards,
Uday S. Deshmukh