ICICI Bank Complaints & Reviews

ICICI Direct has approached me again to submit my account opening form, failing to do so they have said that they will de-activate my trading and DMAT account. This is the second time they are asking me to re-submit the account opening form in the last 4 years. They keep loosing my details and ask me to sign the forms and submit all the proofs again. I am tired of doing this one, i want SEBI to take strong action against them.

I have been following my payments for the last 5 years... and ICICI Bank has failed to make the payment. I am shocked that they have been unable to make a duplicate chque for 6 laks in 3 years. Either they do not want to make the payments or they do not have the money to make payments.

I even escalated the matter to the GM level... Also brought the matter to the auditors B S R & Co ( KPMG)

Nothing has happened.

Dear Mr. Director,
I had today spoken to u customer care officer.His name is Mr. Sanjeev Kumar from Mumbai.Time of my call was 9:50PM on 07/04/2009.
This is to inform that the tone in which he was taking was not proper as if i was under some obligation to him.
I want to know that is this the way u recruit the people in such a prestigious bank who do not know how to talk about.My ICiCi Credit Card No. is [protected]
Pls. come back to me on this.

Regards,
Vijayant Gupta

I have been the recent victim of the online transfer facility with ICICI. I am sure most of the customer (including myself) are enjoying this option. But it is error pron, especially with ICICI-ICICI account transfers. All you need is the account number. It does not matter what is the account holder name (it won't verify mapping of account number to name even in the back ground) or branch (no IFSC code required). After entering the account...

I wanted to close this credit card no.[protected] because I was not liable for the amount due on it.

Only payment done on behalf of this card was my electricity bill which actually I had asked to debit from my Salary A/c with ICICI. So, I was not knowing that my electricity bill was getting debited from this card as I was not getting any statements at my residence for first 3 months.

Although, I have already paid Rs.650/- which was paid as electricity bill on behalf of this card from January’2008 to March’2008 also one more transaction of Rs.2600. Since, then I am requesting ICICI to close this card but its difficult to speak to a phone banking officer of credit cards division as whenever I dial I go to some credit card pin generation department and i am again asked to go to main menu, so finally i wrote a letter to ICICI, Hyderabad alongwith the enclosure of diagonally cut Credit card on November 21, 2008 and i got a call also from Hyderabad that this card is closed and even this credit card details vanished from my internet banking page, so i thought this issue is finished but till date i am receiving credit card statements at my residence, i thought that this will stop after some months but today April 1, 2009 ICICI have freezed the amount of 6830.16 on account of this credit card from my salary account which on whole is penalty mounted up month after month.
Please help

To The Consumer Forum
Sir, My self Jagadish sai vanarasu, Iam having ICICI bank gold credit card. i was received credit card on 20 october-2008.
since november iam wating to purchase laptop at the time customer care said that minimum 3 months required to for choosing the emi option.
I was purchased dell laptop amounting rupees 37026 on 18 march 2009,
before purchaseing i was cotacted the customer care department, I want to convert my transaction into EMI, then customer care executive said that, you can purchase & you can convert into EMI.

Then i was purchased, next day 19 march-2009. i was again contacted to customer care dept regarding emi conversion option, at that time executive was saying that, there is no emi option to your card, then i put a complaint in customer care dept, Next day on 20 March i had received call from ICICI Credit Cards Head Offiice Mumbai, one executive saying that your transaction can convert into emI for 9 months as 4114 EMI + 4200 interest, then i was agreed for the EMI plan.

again I was contacted the customer care executive on 22 march for confirmation, then executive said that you have 21 days from purchaseing time to convert EMI plan, and you have already receieved call from head office, till your EMI table not updated into your account wait for some few days.

after that on 29 march, i was contacted to the customer care executive, then he said we server problem call after some time, he did not any reply, on 4 the april I was contacted with customer care executive
then he was said to me, there is no EMI fecility to your card, because you are not did any transaction. you have to do minimum 2 to 3 transactions & statements need to prepare they are saying sorry to me.

sir please help me in this out, ICICI bank playing with customers,
if EMI fecility is not there, then why they are encourage the customers for purchasing.
customer care dept Providing false information to the customers,
Mis handling the customers, sir its completely worst serives to the customers,
sir please guide me in this regard waiting for your favourble reply
my objective is no other customer will face these kind of problems

Dear Sir/Madam,

I will like to raise the subject o[censored]nfair trade practices followed by ICICI bank in Ref to my Loan A/C LBDEL [protected].

The Issue this when I took the Loan (2005) it was offered to my @ 7.25% Floating and ICICI representatives promised that their PLR is Linked to the RBI Rate and will follow similar trend to RBI. ICICI bank at that time had the ICICI PLR 8.75% with dicount of 1.5%, my Floating rate at the time worked out to be 8.75-1.5=7.25%. During[protected] RBI has been guiding the industry for interest rates to go up and here ICICI bank was forthcoming to follow RBI guidelines and increased their PLR and hence my Floating rate also increased to around 13%.

This is fine as long as ICICI bank PLR follows the same trend as RBI, however when RBI started drive the industry to reduce interest rates down, ICICI bank didn't follow the guidance rather than reducing their PLR in line with RBI, they started increasing the discount % to new customers. Thus trapping the old customers to their unfair trade practice to abstract maximum profitability from the existing customers.

When I took the loan it was based on the Trust that ICICI PLR will follow the similar trend to that of RBI, this is hence breach of Faith of the customer. Banking institutions as supposed to be honest and transparent, when I took the loan or for that matter any other customer start any relationship with the bank, this relationship is based on TRUST.

I will hence Like to raise some questions, this is extremely important issue and like me many others are experiencing the same issue and difficulty:

1. Is it not unfair that bank offers different discount % on their PLR ?
2. What's the Logic of Floating Rate of Interest if the PLR doesn't follow the Regulatory Guidelines, RBI in this Case ?
3. Is is not unfair trade practice to milk existing customer (who are trapped) and be competitive through increasing discount factor to new customer's ?
4. Why an existing customer have to pay more interest (way too high) not in line with current industry rate Regulated by RBI ?
5. Current Loan rate offered by SBI is 8% while I am still being charged @ 12.25% by ICICI is it Fair to pay 4.25% ADDITIONAL INTEREST ?
6. If Bank despite many repeated requests doesn't act to reduce ROI, why customers should be liable to pay forclosure money 2.25% of Principal outstanding ?
7. Under the condition that Bank is non competitive customers should be able to change over with other bank without paying forclosure fee. Why not ? this will make banks behave and offer competitive ROI in line with market / industry.

I am feeling cheated by ICICI bank simply because when I took Loan Loan Account LBDEL [protected] ICICI bank had offered me loan @ 7.25% floating (2005) and was one of the most competitive banking loan rates offered at that time. Overtime the market situation and RBI guidelines on PLR pushed my rates to very high 13% or around. While ICICI bank was very forth coming & proactive following RBI guidelines when the rates were increasing and my rate of interest (ROI) was increased from 7.25% to 13%, the attitude of the bank has been completely different when RBI is directing the rate of interest go downward. ICICI is hence acting in to abstract maximum profitability from customer who were trapped by not lowering the rate !
It is very unfortunate that bank behaves in this selfish manner, hike the rates whenever the Govt / RBI guidelines advise however when the guidelines turn the other way (Reduce ROI) ensure not to pass on the benifit to customer and abstract profitability from trapped customer's. Completely ignoring RBI guidelines.

This compliant is being sent with hope that someone will act as this is extremely important topic for so many people who are being trapped and bank is milking profitability from them, even demanding 2.25% forclosure fee in case they try to switch.

Rgs
Prashant Agnihotri
Head of GSM/EDGE Business
Nokia Siemens Networks
Mob: +91 [protected]

HI,
I had applied to open a saving account in icici bank (kolkata) on 17/03/2009 with cash. For some verification reason it was declined. So i was suppose to get the money back, i was told that i would get the refund withen 3 days, but till today(06/04/2009) i had not recieved my money back. I m not getting proper response by the bank. Therefore Please advise me what action to be taken next.

Thanks & Regards,
Fakre Alam

Greetings,
I Mr. Mihir Gunderia is holding a credit card ([protected]) of ICICI bank from past 8 years. I have been making regular payments on this card . Last year 2008 March, during one of the billing cycle I found false interest charges been levied against my card for which I launched a complain to bank on the call center number. The CC department assured me the reversal of those charges which never happen.
Subsequently, ICICI reduced my credit card limit and started charging over limit charges. I was shocked to see such kind of open fraud on my account. From the next billing cycle, ICICI started charging exorbitant interest on same which I denied to pay and was making regular payments of only the purchases that I made on this card.
I parallel, I complained the bank about the charges and they always assured me to reverse the same once I make the payment of the current billing. Inspite of making payments, Credit card department never reversed the charges as they were receiving their regular payments. This went for almost 4 to 6 billing cycle after which I was forced to stop making payments on my card.
I started receiving a threaten calls from number of persons including a guy call Vijay who claims to be an employee ICICI Bank CC department and belongs to JB Nagar Branch, Andheri East, Mumbai branch. As per him, if do not make the payments, bank will send so called recovery agents to my place, and break my head and also beat my family members. He and his fellows have been calling my Mother and other family members at odd times (after 8.00 PM) and threaten them to fail the breaks of my car or kill me in an road accident.
Not only this, some people from the same branch have been coming to my home and banging doors / ringing door bells and then getting disappeared by the time someone opens the door. Over the phone, they have been using abusing language to my mother and wife for which I have all the supported telephone recordings.
Every time, I tried to approach the bank to resolve the issue, I have to repeat the entire problem to as many as 18 to 20 different people as they have no synch between them. Every person who comes online claim that he is authorize to resolve the issue and then it goes in a cold freeze.
Because of the above incident, almost 5 months have been wasted and I have lost my valuable time, trust and self-respect
On 3rd April 09, it came as a surprise to me that the bank have put an lean on my Corporate Salary savings accounts as per the instruction of credit card department. I was never been informed or intimated for such act. I have not signed any authority letter which gives the bank or credit card department right to freez my account and force me to make the payments of my card without resolving the issue.
As per my information, this is against the Consumer Protection act. I request you to help me in removing the lean from the account. My financial commitments related to EMI’s of vehicle, education and housing loan gets deducted from the same account. Not only this, I being the bread winner of the family and this being the only supporting account, I am left with no other option but to approach you for help.
Looking for cooperation and removal of lean ASAP

Mihir Gunderia
+91-[protected]

Hi Sir,

In the last 1 year, I went through financial cruch and because of that I couldn't make regular payments on my both cards but prior to that, I was making regular payments.
Now recently I got a job and I am out of country.

ICICI ACCOUNT NO NAME CLOSING AMNT PRIN BAL(settlement)

[protected] PARIKSHIT BAGUL 112535.54 89085.15

[protected] PARIKSHIT BAGUL 89515.76 49094.44


Collection Agency : There is a guy from ICICI Collection agency called Abhijit Shinde (+91 [protected]) came to my home around 8.00 pm which is not allowed as per RBI rules and regulations.
Prior to that there was a another guy called Umesh ( from ICICI collection Agency) reached at my home after 10.00 pm which is also not allowed at all and he claimed that Bank guys can come at any time even at 1.30 AM.
Mr. Abhijit Shinde claims that I abused his guy Umesh which is absolutely wrong.
He also said that he will cancel my VISA. Threatened me " forget about the bank and money. He will come and see me or harass both me and my wife on personal front"
Me and my wife are completely harrased by this treatment from ICICI bank Collection agents.

We both had bad time in the past and because of that we couldnt make payment in last few months but prior to that we were making regular payments to bank.

I intend to make payment to bank but they will have to give me some time and I will definitely settle the accounts which I have with ICICI.

In this particular situation, I am completely clueless that what should I do cause I am out of country and I wanna take precaution for my wife because I am sure these guys from ICICI back Collection agency are not good and they might go upto any level to harass me and my wife.

The Branch Manager,
ICICI Bank Limited
9A, Phelps Building,
New Delhi

Re. : Current Account[protected]

We have been banking with you with abovesaid current Account.

This is to bring to your notice that we had issued cheque no. 317393 dated 30-01-09 of amount Rs. 1, 74, 253/- to Manish Sawhney. Upon coming to our knowledge of theft of instrument from the drop box of HDFC Bank, Rajouri Garden Branch, New Delhi, where the same was presented by Manish Sawhney, we sent a letter dated[protected] for stop payment. The copy of the Cheque is attached as Annexure A, copy of FIR filed by HDFC Bank is attached as Annexure B and our letter dated[protected] as Annexure C.
However, we were informed by you that Cheque got cleared on[protected] before your making necessary entry in the system for Stop Payment. We were more shocked to see the Statement of the next date which mentioned that the aforesaid Cheque has been cleared in the name of Ravi Gupta.
Upon taking up the matter with you for clearance of the cheque in some other name, we were informed after repeated follow-ups that your RPC has apparently cleared and then recorded remarks as “payee name alteration is not visible to the naked eye nor under the UV lamp” and were later informed that your RPC has taken up the matter with presenting Bank for refund of money. Now, it is more than 30 days since we last heard from you in the matter.
We understand that cheque has been cleared by your RPC without performing due diligence as is evident from the copy of the Instrument that there were visible and obvious alterations in the name on the instrument wherein the name was changed from Manish Sawhney to Ravi Gupta and the statement that the changes were not visible with naked eyes is based on wrong founding. The copy of the altered Cheque is attached as Annexure D.
We have noted the following deficiencies in services from you:
1) A late entry in the system resulting in clearance of Cheque before necessary entry in the system.
2) Clearing of the Cheque in name other than the name in which it was issued.
3) No confirmation from you on refund despite repeated follow-ups even after more than 45 days from the clearance of the said cheque in wrong name.
For DLF Retail Brands Private Limited
Neeraj Parmar
General Manager - Legal

I am copying my letter to ICICI Bank Cards:
Mr. Robeen Sen
204/VI Heritage Estate
S. N. Hali Post
Yelahanka, Bangalore 560 064
Tel [protected]

Platinum Credit Card No. [protected]
Platinum Identity Card No. [protected]
Gold Card No. [protected]
ICICI Silver Big Bazaar Card No. [protected]


Dear ICICI Bank Cards:

I have a number of complaints and requests in regard to the above cards and your service and would grateful if you could address these as best you can.

1) In regards to Platinum Identity card No. [protected]

Early in March I received a call from your marketing company or yourselves offering me a “Signature” Platinum card and mentioning various benefits that would accrue if I subscribed to this card. In particular they offered 50% discounts on dining in leading hotels (I understood in the city where I stay Bangalore), insurance coverage and a lower rate of interest. I accepted the offer and authorized them to charge my account for Rs 2000 enrollment fee and Rs, 750 as a yearly charge.

When the card arrived late in March I noticed it was not a Signature card but a Platinum Identity Card. I also phoned your Customer Service executives and was told that none of the insurance benefits mentioned in the booklet were available to me as these were extra services that needed to be paid for. I remonstrated that I had paid for these services and the booklet specifically offers them. Your executive took my number and said she would call back to clarify, but as yet has not done so.

As this is not the card that I was offered I refuse to accept the Platinum Identity card and ask that you reverse all charges made on this account and compensate me for the total waste of time that this exercise has caused me due to your misrepresenting your product in the course of your phone sales.

In this connection I would add that many of the offers that your literature presents turn out to be virtual hoaxes as the companies specified have not ever heard of such offers, to mention but a few: The discount offer at Royal Orchid 9th Mile Dhaba Bangalore, where the manager had not even heard of such an offer, as was the case if I recall correctly at Barbeque Nation, Bangalore. The Rs. 100 off coupon against Rs 400 or more expenditure for Subway sandwiches where the manager of the Hospital Road main branch informed me that Karnataka has not been informed of the offer, In fact as yet I have never been given any of the restaurant discounts mentioned by literature.

In fairness I would like to say that I did receive the various discounts offered at PVR Cinemas.

I would be grateful if you could inform the various partners and merchants that you have offered your esteemed customers these services as we give our patronage to them on the basis of your offers. I have copied the Consumers Forum on this

2) Difficulty in Contacting Qualified Persons on the Phone

I have found it extremely difficult to speak to a customer service executive without first going through a labyrinth of number entry and option selection, is there a simple option to speak to an executive without first being told card dues balances etc.?

3) Could you club the Big Bazaar silver card with the other cards I hold so that they show on the same page of the internet banking?

I hope that these matters can be addressed and our relationship continues to be mutually beneficial.




Yours sincerely,

Robeen Sen

c. by electronic mail

Dear sir/mam
my self Shadab abbasi contact no. [protected], [protected]
add:- 23A, laxmi market, street no. 5, delhi -110051, two courrier from iciciprudential with
POD No- [protected] and [protected]. I have not yet receive my courrier, it was dispatch on 26th march, when i talk to a person in the office(karkardooma, Delhi) he say courrier is received on 28th march by some one lady name Noori. but i dont know who is she. plz give suggation what i do . its very urgent
thank you

TO,

The Consumer Court


Subject: - Case file against ICICI Credit cards ([protected])

Dear Sir,

This is to inform you that I was using a sliver credit card( CC No [protected]) which is lost last year in February 2008 till date I never ever purchase & used the above credit card & for same I had put a request in ICICI bank’s Customer Care & closed my card after that I had received a call from their collection department for the payments in April 2008 because I was not using the card so that insisted for full & final payments & as a result Mr. Vijay from Ashok Vihar, Delhi Brach (mob.no [protected]) the executive said Ok sir please pay your settlement amount i.e. 14000/- (12000 Principal Amount & 2000 Late fee) so I paid the same amount thru chq no 222760 dated 22.04.08 thru ICICI receipt no 0124206 dated 19/04/08 & Mr Vijay assured me that after made the payments within 3 day I would get the NOC letter because I never used such type of credit card & this is my first credit card that I had used & not aware their policy so that trust ICICI bank people after that I followed for my NOC (Non Objection Certificate) on above mobile number but every time call was rejected by Mr Vijay nor reply, I never expected that some one who was from ICICI bank gave me fake commitment for same I was several time reach their Customer Care but never receive any positive response. few days later in July 2008 I had again received call regarding the payments follow up, that time I told Mr Akash about all the thing happened with me last time then his senior Mr Rishi (Manager) assured me that after making the Rs 1540/- payments (its late fee), the a/c will be zero & NOC would be issued to me, because this time some one from Manager level assured me so that again I believed them and paid the above amount thru chq no 479738 dated 26/07/08 thru ICICI receipt no 0357616 dated 26/07/08, on Xerox copy of chq I take the Signature of Mr Ramesh (chq collector) on behalf of ICICI bank that after receiving the payments a/c will be zero & NOC will be issue to me within 2 days but again I made fool by ICICI bank, they never response me & again I go to ICICI bank Customer care & again nothing get. after that ICICI bank never chased me for payments.

In march 2009 I take initiate for solved the issue but there I know that I have again 19000/- due then I asked them that how it came 19000/- not reply & offer me 8000/- for full & final, there I not dined to pay that time I have only Rs 2000/- & balance will try to give you later as dispute is going on between me & ICICI bank, they deducted my whole salary from my salary saving a/c which already with ICICI bank of Rs 15461/- without any intimation on dated 30/03/2009, I contacted to customer care there they assured me that same problem will resolved pls visit to Rohini, Delhi Branch & they agreed that people make a wrong promised to fulfill their target. So where are my faults if some one giving wrong commitment just fulfill their targets so why suffers a customer. I visited Rohini Branch on 1 April 2009 after reach there I came to know that Branch is not open, I took leave from my office & this leave went waste.

Hence kindly file a case against ICICI Credit Cards Bank so that further no customer will suffer like me & also requested to you please help to get back my deducted money with interested because in between of above dispute I have pass from mentally disturb, frustrations, financial problem Etc.


Please help

You’re faithful
Sanjeev Kumar
Mob.[protected]

.

After telephonic discussion with An executive of the ICICI BANK EMI CREDIT CARD DEPARTMENT, An executivr come to my office at 306, 3rd Floor, Kalash-II, B/h. Navrangpura Post Office, Nr. Navrangpura Jain Temple, Navrangpura, Ahmedabad-380009. he told me the T & C of the EMI Credit Card and as per the T & C the ROI is 1.49% and he never told me about the EMI Charges of Rs. 149/- on every purchase made by the card holder.
I got verification call and on verification call the executive on phone said me ROI 1.99% so i told him kindly do not send me EMI card i dont want this EMI card.
Eventhough i said that i dont want EMI card, after 10 to 15 days i got EMI Card.Then i make some transaction from this EMI card, because on 27th February 2009 is my marriage date.
i want to cancelled this EMI card and also want to make the whole payments excluding EMI CHARGES, INTEREST CHARGES AND OTHER RELETED CHARGES.
TODAY ON 05/03/2009 I WILL PAY THE MINIMUM AMT. BUT ANY HOW I WILL NOT PAY OTHER CONSEQUANCE CHARGES.
DO NEEDFUL
THANKING YOU
FROM
CA BHARAT PATEL
M. NO. [protected]

Dear Sir,

One Ms. Madhana from your ambattur branch had called up to talk about our card payment.

The card holder Mr. Mohan is out of town first due to death of a close relative from 17th march 09 and then again on business from 1st april after returning on 31st march. Hence we did not have the time to attend to the payment. I can show u proves in boh the cases that he is out of town.

coming to the subject, since i was also out of chennai, on 3rd of april she has called the alternate telephone number of my mother which we had given to your bank.

mY MOTHER HAD AN ATTACK OF HEMMORAGE LAST MONTH AND IS AILING SINCE THEN AND IN BED, WHEN MS. MADHANA CALLED THIS NUMBER, THE ATTENDING NURSE AT HOME SPOKE TO HER AND TOLD HER THAT WE ARE NOT AVAILABLE AND THAT ONLY MY MOTHER IS AT HOME. SINCE SHE WANTED HER TO HAND OVER THE PHONE TO MY MOTHER SHE DID SO. MY MOTHER SAID THAT MR. MOHAN IS OUT OF TOWN AND I HAVE GONE OUT OF CHENNAI TO TEMPLE. SHE CROSS QUESTIONED MY MOTHER THAT HOW CAN SHE SAY THAT WE ARE OUT OF CHENNAI WHEN THE NURSE SAID WE ARE OUT. THIS IS THE FIRST QUESTION. THEN WHEN MY MOTHER PLEADED HER THAT SHE IS SICK AND IN BED AND SAID THAT SHE IS TALKING THE TRUTH. WHEN ASKED FOR OUR MOBILE NUMBER, SHE SAID SHE CANNOT REMEMBER. SHE THREATENED MY MOTHER THAT TOMORROW SHE WILL CONTACT THE SAME NUMBER AND THAT MY MOTHER SHOULD SOME HOW REMEMBER AND GIVE HER THE NUMBER. THIS IS THE THREAT SHE POSTED ON HER.

NOW MY MOTHER WHO IS 84 YEARS OLD CONVELSING FROM AN BRAIN HEAMORAGE IS QUESTIONED, CROSS QUESTIONED AND THREATENED EVEN WHEN SHE PLEADED THAT SHE IS VERY SICK AND DOES NOT KNOW ANYTHING.

MY QUESTION IS WHETHER ICICI BANK IS EMPLOYING ANY GOONDA'S TOT ALK LIKE THIS AND THREATEN EVEN WHEN A OLD LADY PLEADS HER CONDITION AND SAYS SHE IS NOT AWARE.
UNABLE TO BEAR THIS RUDE TALK HE BLOOD PRESSURE SHOT UP SINCE LAST EVENING AND HER CONDITION HAS DETERIORATED. IF ANYTHING HAPPENS TO MY MOTHER I WILL NOT SPARE THIS LADY MS. MADANA NOR ICICI BANK FOR EMPLOYEEING SUCH PERSONS WHOM WE ARE TALKING WITHOUT ANY IDENTITY OF THAT PERSON. PL. ADDRESS THIS BEHAVIOUR IMMEDIATELY.

THIS MORNING WHEN SHE CALLED AND WHEN I RECD THE CALL. MS. MADANA AGAIN WHILE I QUESTIONED HER BEHAVIOUR WITH MY MOTHER LAST EVENING IS TELLING ME THAT I AM OVER SMART AND I CAN COMPLAIN ABT HER BEHAVIOUR TO ANY LEVEL AND EVEN TO MR. KAMATH CHAIRMAN ICICI BANKA ND SHE DOES NOT CARE ABOUT IT.

MY QUESTION IS DOES ICICI ORIENTATES ITS EMPLOYEES TO TALK TOT HE CUSTOMERS IN THIS FASHION AND BEHAVE RUDELY WITHOUT ANY IDENTITY OVER THE PHONE? WILL ICICI BANK TAKE UP THE RESPONSIBILITY IF SOMETHING HAPPENS TO MY AILING MOTHER. HOW DARE MS. MADHANA ADDRESS ME AS OVER SMART, I BEING A CUSTOMER OF YOUR BANK, INFACT THE WHOLE FAMILY WHO TRUSTS THIS BANK AND ITS OPERATIONS?

Then your sr. manager one Ms. Begum who came online was briefed on this and was told that the payment will be organised.

I AM REALLY SHOCKED TO EXPERIENCE THE BEHAVIOUR TOWARDS AN 85 YEAR OLD LADY. ( GUNDA TYPE OF BEHAVIOUR TO THE CUSTOMER ESPECIALLY FROM A REPUTED BANK LIKE ICICI. PLEASE TAKE UP THIS COMPLAINT SERIOUSLY AND SEE THAT NECSSARY ACTION IS TAKEN AGAINST MS. MADANA.


REGARDS,
BHAMINI MOHAN

HOLDING POLICY NO 04772924 OF ICICIPRUDENTIAL. PAID PREMIUM OF RS 18000 FROM CREDIT CARD NO [protected] ON 22/03/2009 ie IN DUE PERIOD.
BUT EVEN AFTER SAYING CUSTOMER CARE OF ICICIPRUD " NO FOR DIRECT DEBIT & PAID THE AMT RS 18000 ON 22ND MAR, , EITHE ICICIBANK R ICICIPRUD HAS AGAIN DEBITED MY SAME CREDIT CARD ON 25TH MAR OF RS 18000.
ON APPROCHING ICICIPRUD & ICICBANK BOTH R DIRECTING ME TO APPROCH TO ONE-ANOTHER, , WEEK HAS PASSED, , NOTHING HAS BEN DONE BY BOTH ORGN. TILL DATE.

I, A. K. De have been using icicibank credit card since last five years and did't default single time in respect of payment. However on 10 th March I have made one transaction amounting to Rs. 83633.00 with NACIL through my credit card for buying air ticket which is Rs.11633.00 more than my credit limit. But within a week i. e. on 16/3/2009 the above amount has been paid by me in full. Now after receiving monthly statemant i found that an amount of Rs. 551.00 has been charge on me against overlimit charge. As per their policy raising of credit limit is a phone call away. In the past they had raise my credit limit automatically. Even after making transaction thay have raised my credit limit and confirmed by SMS. Hence i didn't care for raising limit.Buying air tickets through agents is cheaper and they even deliver at home free of cost.
In view of the above I want to know is it reasonable to levy such a charge when i didn't even availed of 50 days credit limit ?

Dear Freinds,

Since past three month I received some SMS from ICICI bank asking me to repay some outstaing lona installment where thy had mention their loan account No. is XXXXXXXXXX Some No. and if do not repay the same they will compain to CIBIL for dealyed in payments.

Please not that me and family was houng some of loan from ICICI Bank way back in[protected] and the same was also been repaid by us in before July 2004. In Fact I had repaid all my personal, Hosingand other loan during this period and I had not received any call till this date.

Now, since I received call from bank almost after 4 year what you expected to, i.e. there is some one who had taken loan my my behalf and they had deelayed in loan repayment or there is some where bank had not close my loan account in their bank and I am received the SMS from Bank for the same.

What I should do for this. Also let me know that for how many years you are liabile to maintain the documents for loan repayment ?

On jan 30 evening i got a call from icici (+[protected] Mr Ramesh. He introduced him that he is calling for a free insurance as im selected as a reputed customer of icici. More than he tole the all details of my credit card, my mother's name, my address, phone no, and my previous insurance details. he told me that it is a free insurance only for ur spouse and u want to follow the procedure of the insurance by IVR, so that u wil get the insurance and the insurance amount will be paid by the ICICI itself.

As the details what i gave confidential only for ICICI Bank, i trusted him when he gave the entire details of mine. and he told that it is the last date for the free insurance. so as i thought that it is real and i followed the IVR instruction, which has been assisted by RAMESH.

But suddenly i got a Amortization Schedule on 16-Feb-2009

for the amount of Rs. 12235.00 on 010209 by my credit card for icici Lombard GIC 24.
and has been converted to an EMI Transaction.

And i received my credit card March statement, where i found EMI principal and interest were flashing for RS.576.45.

Im really shocked by this incident.
As im a good customer for ICICI having relationship for more than 5 years, holding my SB account. and three creditcard's and paying two insurance correctly without any due.

But im totally upset by the above mentioned problem, as i dont in need of insurence for my spouse at the time. by your strong promotion of your executive that, its a free insurance and i will go waste i[censored] not suscribe for it. i proceeded for that.

Immediately i called to that phone no 13 march 2009, where i got from my mobile no database and Mr KUMAR picked my call and he told that is ICICI Lombard office in purasaiwalkam, Chennai. he responded me and i detailed my matter to him. he told me that he will consider this problem and get back me earlier in 3 days. but no reply came to me. meanwhile i called icici prudential and canceled th insurance which im not interested. but the executive detailed me that cancellation charges will be 30% and i want to pay for that.

Im mentally disturbed by this forgery done by your icici company. where i been reputed for your bank having no remarks in my bank, credit card, loan, and insurance.

i want to resolve this problem and immediately.. and want to clear my stress by this incident.

Please response me and reply me as MONEY IS MONEY..