ICICI Bank Complaints & Reviews

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..

Sir,

My Loan Account number is LBHYD[protected].

I have taken a loan of 18 Lakhs from ICICI (Sep-2005). I have applied for pre-closure of my loan on 28-Mar. I have give two cheques for the amounts - 16, 15, 347 (from LIC Housing Finance Ltd) and another cheque of Rs. 10207 (My HDFC account ; towards the additional interest).

The second cheque (Rs.10207) was bounced due. And when I contacted ICICI (on 2-Apr), they have asked me to pay a total amount of Rs.12576
10207 ==> Outstanding interest

2148 ==> (4*537) 537 = Interest for a day
221 ==> Cheque bouncing charges

Shouldn't ICICI charge the interest only on the balance amount of Rs. 10207, as the other cheque was already cleared?

ICICI is saying that, since the loan was not closed completely, the interest would be charged on the full amount.

Is this justifiable?? How we I fight against this practice??

I wish to write regarding the ICICI Bank - Mysore Branch cheating public.

I was a customer for Centurion Bank Miracle Credit Card with outstanding amount of Rs.24, 000/-+ Interest and after subsequent merger with ICICI bank, the ICICI bank asked me to settle my dues, for which they sent the collection agency person Mr, Raghavendra and at my residence, after the agent arrived, a settlement amount of 10, 000 Rs was agreed upon with as a onetime payment after a verbal discussion over the phone with Mr. Srinivas Manager of ICICI Mysore branch, and was promised the closure statement by the manager in a verbal conversation over the phone in the presence of Mr Raghavendra, who also spoke to him, He said only after the cheque is cleared we can issue the closure statement as it has to come from their Head Office, Mumbai, I agreed and on the basis of basic human trust, I gave him a cheque dated 19th February 2009, which was cleared immediately, but the closure statement is yet to come, repeated calls bore no fruit, but only promises. After 2 weeks, on a call to the manager, he tells me that he never agreed on such an amount but to pay the remaining balance of at least Rs.14000 more if I wish to have the closure statement in my hand.

Could u please suggest me how to get the closure statement.

credit card No: [protected]
cheque no: 566556
amount: 498813
date of deposit:[protected]
cheque date:[protected].
cheque cleared date:[protected].
bank and branch: vijaya bank, vn colony, hyderabad

Dear Sir/Madam,

I have taken a home loan from ICICI Bank (Home Loan A/c no. LBMUM[protected]). The Loan agreement was signed on 10th February 2006 with a discount margin of -1.5% on FRR and the loan amount was disbursed on 14/15.02.2006. Subsequently an amendment (copy attached) dated 21.02.2006 (referring to the terms & conditions of the agreement dated 10/02/2006) was issued revising the discount margin applicable to -2% on FRR, since the disbursement availed on or after 13/02/2006. But the bank has been recovering interest at a rate applying a discount margin of -1.5% instead of -2% on FRR. I took up with the ICICI Bank customer care desk at their Race Course & Andheri (East) offices. ICICI Bank customer Care Officers have verbally declined to honour the stipulations in the amendment issued by them, saying it was a mistake.

I request your intervention/help in getting the refund/readjustment of the excess amount of interest recovered from me since beginning of EMI payment. I am under tremendous mental pressure due to the unexpected behaviour of ICICI Bank. Kindly help.

Thanking You,

Yours Sincerely,

Hatee Ram Pattanayak

Dear Sir/Madam,

Despite having paid the outstanding amount for Rs. 2606.51, I had initially raised a dispute, but decided to settle the amount in full. Due to the banks own fault, as admitted by the customer service representative, request number SR[protected], the amount was twice credited back and again I was charged for that amount despite having canceled the card in February 09 and having paid the outstanding amount, except for Rs. 64, which I refused to pay as this was charged when I had paid and had a zero balance.

Please make note that these people have harassed me repeatedly despite requesting for cancellation, which they promised three months ago and also promised to stop harassing me after settling their amount. According to the email I received on 2-04-09, I have again been charged for what I have already paid of Rs. 2606.51. Please, something has to be done against these fraud banks and make them stop harassing innocent poor victims.



Regards
Prashanth Jayaraj

Rega

My savings account no 62350150****, in the name of Hozefa F To*****, A qab has been deducted 2 times from my balance though by balance was more then minimum balance of Rs.5000/-
When i complained the same to the bank I was told that from 1st July 2009 the minimum balance to be maintained was rs10000/- I was not informed regarding the same. This is cheating. The reply from Y S R PRASHANT Customer Service Office ICICI Bank Limited says


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

The tension is neither given by us nor the bad times.

It is given by not reading the charges mentioned on our web site i.e. www.icicibank.com

On our home page i.e. www.icicibank.com, you will find the option "service charges" is displayed on the top. Please click on the option " Service Charges" to get the details of the service charges applicable.

With effect from July 1, 2008, the minimum Quarterly Average Balance (QAB) for your savings account to be maintained is Rs.10, 000. QAB is an average of sum of the closing balance of all the days in a quarter divided by number of days in that quarter.

Sub:- Amount Debit From My Account.

Ref:- Dated 01/04/2009 Time 13:03 ATM ID S1AN 0650 TXN NO.3850 Card No.0899 By ICICI ATM.

Respected sir,
In reference to the above reference I would like to inform you that, from SBI ATM Card I wanted to withdrawl from ICICI ATM Located bangur avenue, kolkata, I have given option of 5000/ Rs. ( FiveThousand ). But I have not received any amount from ICICI ATM, and slip come out unable to process and amount was debit 5000/Rs.(Five Thousand ) from my account.
Therefore I request you take necessary action to provide my short of Rs.5000/.

1.Account No[protected]
2.Nature of Account - saving
3.Name of Bank - SBI Airport Branch, Kolkata
4.Date of Transaction - 01/04/2009
5.ATM Card No[protected]

Thank you and anticipating your kind response,
Your faithfully
Sujay chakraborty
Contact No. [protected]/ [protected]

Dear Sir/Madam,
I am kasi and holding ICICI Credit card.
I have used the Credit card services of ICICI Bank and thanks full to them first of all.
I have done settlement on july of 2008 and everything was fine.I have made an settlement as per the ICICI executive for Rs 18, 000.
But after 3 months, i have got a cal from ICICI bank regarding the credit card balance.
I have got shocked and i complined to bank but they are telling as...your letter got voided and you need to pay the whole amount.
I am in a depress mode with their call and i lost my confident.
I have a letter with me.
Can any one plese responde like to whom can i contact and complain?.

Please revert me.
Thanks,
Kasi.

I have been receiving phones from ICICI Delhi, regarding difference amount of Rs 760/. When I asked how come there is difference, when your Lucknow office has received post dated cheques of desired amount, they told me that it is due to increase in interest rates. I told them I never have received any correspondence from your side regarding revision of interest rates.
Kindly send me a letter regarding this, I shall pay the difference amount the next day. But every time they are telling that "there is some technical problem because of which they will not be able to send this letter to me but I must pay this amount now." Almost every day once or twice they keep on on ringing me but are not sending me letter. ICICI has alway been sending me letters in past whenever they revised rates, right from 6.5 percent till 14 percent. But this time they are behaving strangely. More over every where there is a cry that there is deflation in india and world around. ICICI itself has been asking RBI to reduce CRR, SLR and repo rates on the same grounds but they are not taking care of its older customers. I appeal ICICI officials to look into the matter of EX-VALUED customers like me. Regards.

I am Ashok Kumar existing customer for ICICI bank, My Credit Card No is [protected], from last 2 years this credit card is going on as an overdue due to not settlement. I also requested in your customer care no of times, but they always said you pay your minimum amount then we can settle your account locally. That’s why I have been paying minimum amount (800 to 2500) per month but last few months I have not paying due to not settlement my account as per commitment and every month I have received your call from your recovery department so they always said same thing said above. That’s why my account have been added by late payment, overdue, interest charges, increasing on every month, so its increasing highly, this is out of my pocket.


In point of view that I have paid to bank maximum 7000/- per month and once bank has been deducted Rs. 12000/- from my salary account directly without any intimation or any notice so this is so surprise and injustice. That time also I have requested to cancel my card and settle the account but didn’t get any positive response from your side, it means I feel that after deduction amount from account or I have deposited amount on time, all are cool from your side and when my account is overdue (like at present situation) that time no of calls are coming from your side.

So, at Last I want say I don’t believe in verbal commitment please give the solution properly through the mail. My E-mail ID- [protected]@rediffmail.com.


Regards,

Ashok Kumar

NRE A/C no[protected] and NRO a/c no[protected] with
ICICI Bank

Dear Sir,

I have discontinued the credit card issued by you, and also informed you accordingly, but still you are deducting charges from my a/s for the same. Pl note that I have never asked for the credit card, and you only for your own interest sent me the credit card /Debit card.

For your information you have deducted Rs 224/- on 5/11/08 twice as credit card charges for period August, 08 to July, 09. Please let me know how you can deduct money when the card is not in use and surprisingly you have deducted twice for reasons best known to you.
Pl credit this amount to my a/c.

Please note that we are not at all interested in using your credit and Debit cards for above two a/cs, and please cancel our cards if not done so far under intimation to us. We both a/c holders are not intrested from day one. Pl credit the charges you have deducted from our a/c by mistake it seems.
Pl reply per return about action taken by you in this matter.
Thanking you.

Hi All,

I had mistakenly Trasferd Money from my account to Unknown Person (Want to transfer to my Friends account But mistakenly Transfered to that Unknown Person) On the same day i send the mail to ICICI CC(customer Care) as well called up CC and informed that i had a made mistake but CC told me that you have to visit your home Branch and need to give written application.On the next day i have submitted application in home...