ICICI Bank Complaints & Reviews

on my mobile i got sms from icici bank ICVBP ABOUT succesfully proccessed a bill of Rs 100 for TOUCHTEL DELHI MUMBAI IND .[Inv. No.[protected] ].The previous day ,already a bill of Rs 814 was paid to the company . I was surprised by the message and inquired from AIRTEL C. C. I was told by the company that no bill oher than Rs814 was grnerated by the company . I conveyed the same information to icici bank credit cards and lodged a complaint...

Gentlemen,

Sub: ICICI Bank dishonors its own branch Pay order
Its Back office (Right Hand) Dishonored its own Branch's (left hand) pay order sold to me.[Height of the situation is Both hands do not know what the other one does or should do]
************************************************************
Complaint: I had purchased a pay order for Rs 1,00,000 [ One Lakh] on payment of its pay orders charges. & cost from my SB A/c maintained with them.

Unfortunately, when the same was issued & valid on date of presentation, the same was refused / bounced by ICICI''s back office, for reasons best known to them.

Consequences : On account of the above, I as a CARDIAC PATIENT at the fag end of my life,1st time has lost my reputation before my Vendors, In fact, though not well, I had to run for more than a week between pillars to post, keeping all my jobs aside. This resulted into loss of reputation, productive / professional man hours,additional conveyance & communication cost, worth around Rs 21,000 + Physical harassment, mental agony & consequential delay etc.

This is nothing but a restrictive & unfair trade practice which deserves to be set right quickly by its top management.

Uday Prabhu.

In nov Stat i got stating on 16/10/2007 i had done a Trans of Rs. 1000 i.e malad that too from my Addon card which i or in my family had never done i had complained regarding the same and also send an dispute letter on 29/11/07 as they told me to send this was told by executive Karishma and she also told me not to make any payment till it is solved complaint no SR46061621 after that i did not received any responce and again spoke to the Executive and had sent again the dispute letter on 8/1/08 still after that i did not got any respaonce i called them several time i also spoke to Service manager Nitin Pamlikar on 24/02/08 he told me he would take this in priority and would give me call after two days but i didnot then on 2/3/08 i again called up to the custommer service and spoke with Willsom now they are telling me that we have sent me the charge slip which i have not yet received and u need to pay the Amt as well as interest charged on that amount now i just want to know that if that trans is not done by me why the hell should i pay that amount and also the interest charged it is the bank mistake .... this is not the first time iam using this card from 03/05 i had experienced several illegal charges which i need to fight or crack my brain waste my time and reverse the amount i my whole history i have never made any late payment this is just adding an bad ctredit on my name ...

Myself Ammol Choksi, an harrassed icici credit card holder

I am forwarding the letter which i had sent to the manager of icici bank (credit card cell)

Pls read & let me know your feedback / response on the some & suggest what next should i do

Feb 28, '08

To
The Manager
Credit Card Cell
Icici Bank
Mumbai

Subject - Fraud

I am writing this mail after a lot of frustration, in last two days your executive have harrassed me

I have this issue with your bank on interest charged to me which was amounting to 12331/- six months back now this amt is 42338/- & after another 3 months it will cross 100000/- also

I want to ask you a very simple question - You have a telephone at home & you dont pay your telephone bills till you dont get the bills isn't it normally everyone does that, because you dont know how much to pay & also you want to check how much the bill have come, the same has happened to me as i was waiting for the statements to come & your collection dept executives always used to assure me "sir you dont worry just pay this minimum amt & we have forwarded your request to concern dept to send the statements pls pay xyz amt" & they didnt come & interest mounted upto 12331/-

When i had signed up for the card i had mention my statements should come by emails, but then to it didnt come, after my many request / complaints i get your statements by email but then, all your other charges excluding transaction amt summed upto 12331/-

I had earlier also mention i am not liable to pay this amt of 12331/- which is only of interest charges & late payment fees & interest on interest has become 42338/- & may be after few months it will be 100000/- soon

Above all this, i got a call from your collection dept - Ms Puja (mobile #[protected] on 25th feb, 08 saying we have resolve your issue speaking to grieavances & vigillance dept & they have agreed, only thing you have to do is sign on dispute form & write your reason of dispute, also you have to give a cheque of 6000/- on the name of Icici bank but that too it is only for security purpose & also asked me to write behind the back of the cheque " pls do not deposit" she also assured me cheque will not be deposited she took my trust & fools like me still trust the strangers, but to be honest with you i didnt trust her, i trusted the bank - Icici bcoz she represents Icici, she is asking payments for Icici, talking on behalf of Icici, so i trusted her, she assured me cheque will not be deposited & will be sent to me in 2 hrs along dispute form acknowledged by Icici

What a fool i was, i waited for not 2 hrs but for 2 days i must have given approximately 50 calls on her number but she was not picking up my phone then today in the afternoon i got a message saying thank you we have received your payment of 6000/- against your credit card dues

Do you think this was the way to collect payments ?

I immediately rushed to nearest Icici branch at J.B. Nagar to check whats happening

There Mr Mangesh (counter # 5) & Ms.Sheetal Nair (head for the floor) answered we cant help you on this

I am lodging a police complaint for the above matter

This is vey upsetting, i didnt expect this from the best private bank in india, this is a total fraud

If this would have been happening to you / your family member what you would be doing, plus we dont have time to follow on all this - just give it a thought

To be frank with you, i use credit card only because i dont want to carry cash with me, i dont want to use your money if you see my full statement i have made lumpsum payments as i dont like paying in instalments

Only when i used to not receive statements i used to give small amounts as said by the collection dept, that too expecting that statements will come

Currently i have done a stop payment for the cheque

I once again request you to resolve this issue asap

If there is any transaction money pending from my side i will pay it immediately, but will not pay for interest charged to me & now interest on interest and interest

You can send your executive to resolve this issue immediately

Awating Your Reply,
Ammol Choksi
[protected]

Pls do reply

I would like to bring to your attention following facts about the unethical and illegal practice of ICICI Credit card division and bank and cheating being done.

A Credit card No - was issued to me on November 2002 which got expired on November 2004 . First The bank charged [debited ] annual fees from my savings bank account towards the annual charges while It was issued a life time free of cost basis and Later this...

Dear Respected Sir,
I, here undersigned requested you that the account holder of the ICICI bank,Mumbai branch,Rizwan Hussain has not send the bank commission charges to the bank of Lacaixa bank,Madrid ,Spain.I had deposited the commission charges to his account number[protected] as instructed from the Lacaixa Bank but the charges has not send to the Lacaixa bank til now. When I had made a call to his number ([protected]) he cheated me not to call again to his number.Why he did like this to me ? I thought it means that the monies that I had deposited has been used by him in wrong ways.
So I had requested you please do help me in returning the monies to my nominated bank account number [protected] of the state Bank of India,Manipur University Campus, Branch.
here I give you the details of my account number:
Account holder name : Thokchom Ibungobi Meitei
Account number : [protected]
Branch name : Manipur University Campus
Here I had also enclosed the Scan copy of the deposite receipt that I had made and the mail copy that had send from the Lacaixa Bank,Madrid Spain that contain the account details of Mr. Rizwan Hussain.
Here the copy paste facility is not available so I want the e-mail address of yours so I can send you it. I wil never forget for your kindly good co-operation.
Thanks
Best Regards
Thokchom Ibungobi Meitei



From The Desk Of
Remittance Department
Carlos Adolfo
Lacaixa Bank.

Attention,
MrThokchom Ibungobi Meitei.

We receved your prompt email and there is a restriction bond policy from
your country which would not alow you to transfer money out from your
country. So we have made an arragement through our Intermediary bank in
your country ICICI BANK IN INDIA which we have to receive our client
requirement fee/deposit. You are duly advise by the management to quickly
transfer our bank commission charges through our local bank account in your
country.

ACCOUNT DETAILS:
BANK NAME: ICICI BANK
ACCOUNT NAME: RIZWAN HUSSAIN
ACCOUNT NUMBER:[protected]
PAN NUMBER: ABPPH1953F
AMOUNT IN RUPEES: 81,890.00 INR

Immediately you pay the commission charges your funds will be transfer to
your nominated bank account without further delay and it will be received
after 48hrs in your country without paying any charges in India.

Endeavour to send the transmission recept for documentation.

Best regards,
Remittance Department
Lacaixa Bank.

I have Credit card holder of icici bank with card no-"[protected]". On the date of 28th July 2007 my credit card is lost. For this i have already inform to customer care for block to credit card. On that time some fraud transaction(27866/-) is done my credit card. Thus i have to also inform to customer care- Plz stop the that transaction amount @27866, which is not used by me. But customer care exe. haven’t cooperate for that. after all i have to complain in nearest Police station for FIR.

After some days, i have to FAX to written Latter and FIR Copy to icici credit card department for the reversal of fraud transaction amount 27866/-. After the verification by icici credit card department, my fraud transaction amount 27866/- has reversed and amount to be credit in my credit card. icici bank also given to latter for the reversal of fraud amount and also the credit card statement dated[protected].

But after one month once again Bank was debit the that credited amount 27866/-, without any information and any real bases. Many times i have remember to customer care, but i have not get any response.

Now bank was blocked my bank a/c with icici bank, thus i have getting financial problem and mental disturbance. Plz solve the matter.

Thanking u,

Chandan Kumar Jaiswal
B-323, sector 20
Noida-201301
mob-[protected], [protected]

Dear sir
I am a salary account (A/c no:[protected] holder of ICICI bank for the last 2 years. But without my consent suddenly hold amount has been credit card payment. i contact ICICI phone banking service but i have unsatisfied his answer.

For the hold amount by bank, i have facing very critical financial problem. because other bank's Loan EMI and other many transaction are linked with my icici Bank a/c.

Thus i have not capacity to attend any financial losses. Kindly solve the matter on the urgent bases.

Thanking U,

Chandan Kumar Jaiswal
B-323, sec 20
Noida-201301
mob-[protected], [protected]

Respected Sir,

This is to inform your bank is recruiting people scientifically,the person who have open my account is a fraud person,it is because he told to me that he will open ZERO balance savings account and instead of it he had open CURRENT account which is useless.

I dont know how much your bank is giving commision to achieve such target of opening account with a fraud manner.I want to close the account which will take Rs500 for the same but i will take money from him because he had open this account ,I also go to AMBAVADI BRANCH in Ahmedabad but nobody was knowing to him, i had also call to S.G highway branch he is not workin there also than i think he is using the name of bank and the 3rd person is working on behalf of him.I want immediate reply

PLS GET ME SOLUTION WHICH IS RELIABLE


Information of Particular person:-


JUZER UJJAINI
Sales Executive
8th Floor,JMC House,
Nr.Parimal Garden,
Ambawadi,
Ahmedabad-3800062
Gujarat
India

I am Pranjal Barua using a ICICI credit card but long time back after making some minimun payment i failed to pay the amount in regular basis as i had to leave job for some of my studies but still i joined a firm so i can arrange some income. Infact initially i have been communicating with ICICI for settlement & make some provision for me to repay the amount in instalment basis but they refused the offer. Now they are calling at home & me n using all abusing words & threatning me or any of my family members .
Can i take legal action agaist the recovery agents for using vulgar language against the family members for non payment of dues?

Please help how can i go ahead with this this is really a big humiliation. i want to pay the outstanding but they are not providing any kind of helping hand. There is no CSAT ( Customer Satisfaction) seriously ICICI is all ...

Please help

Looking for a Prompt Reply

[protected][protected][protected]------

From: DEEPAK KADIAN (DEL)
Sent: Tuesday, February 26, 2008 1:58 PM
To: 'ICICI Bank Customer Care'; 'jitendra.[protected]@icicibank.com'; 'krishna.[protected]@icicibank.com'; 'anil.[protected]@icicibank.com'; 'harshil.[protected]@icicibank.com'
Cc: '[protected]@icicibank.com'
Subject: RE: 'ICICICARE=[protected]' Big concern about personal loan
Importance: High



Hi,

Today, third time I got SMS that “Application for personal loan has been approved Ref. no. is 59368383” now ref. no. is changed so what should I understand old ref. no. were only for customer satisfaction or to make fool that something is going on.

How many yearssssssssssssssssssssssss require for such a small amount loan. Could I expect any revert from respective senior persons. I m following since around 2 months.

Will somebody help me!!!!!!!!!!!!!!!!!!!!!!!!!!!!



Regards,

[protected]-------

Deepak Kumar Kadian

+91-[protected]


[protected][protected][protected][protected]

From: DEEPAK KADIAN (DEL)
Sent: Monday, February 25, 2008 5:08 PM
To: 'ICICI Bank Customer Care'; 'jitendra.[protected]@icicibank.com'; 'krishna.[protected]@icicibank.com'; 'anil.[protected]@icicibank.com'
Cc: '[protected]@icicibank.com'
Subject: RE: 'ICICICARE=[protected]' Big concern about personal loan
Importance: High



Dear all,

I am really mentally harassed by DSA & Pitampura Branch ICICI persons. Again they changed their commitments that they would be able to provide the loan amount of rupees 1 lakh in 12 EMI’s instead of 1.5 lakhs in 12 months EMI.

But as per urgent requirement I agreed to take 1 lakh on a condition that if provide the same as earliest means up to today only and again the time is extended by them. Some body called me & saying now your file is disbursing, the amount will be transfer after two days.

I am really in trouble situation, no body helping me out in case. Some of calling from ICICI & assuring that solution will be provided very soon. But still everything is same only the harassment - that why I applied for a loan in ICICI bank!!!!!!!



Regards,

[protected]-------

Deepak Kumar Kadian

+91-[protected]


[protected][protected][protected][protected]

From: DEEPAK KADIAN (DEL)
Sent: Friday, February 22, 2008 1:17 PM
To: 'ICICI Bank Customer Care'
Subject: RE: 'ICICICARE=[protected]' Big concern about personal loan



Dear Krupa,

Actually I want to update one information with you that I am working with IBM and my client site is Vodafone mobile communication Ltd. That means from morning to evening I am available in strong network site and if any calls not getting through I always got MCA (miss call alert) for the same, that I don’t had.

Anyway yesterday I again got SMS from ICICI that “Application for personal loan has been approved Ref. no. is 59065544” so there is only fake SMS alert, DSA’s miss communication, no coordination through bank, no loan amount all the things going against the requirement.

What I was expecting from you that at least solution will be provided very soon but here it is mentioned that “We will revert to you by February 25, 2008” it clear means only revert no solution.

It is very bad experience with ICICI that I am suffering a lot. Pleaseeeeeeeeeeee help me only to know that next escalation step in ICICI because at this level no one is helping me out.

Plssssssssssssss help !!!!!!!!!1

Regards,

[protected]-------

Deepak Kumar Kadian

+91-[protected]


[protected][protected][protected][protected]

From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Thursday, February 21, 2008 2:23 PM
To: DEEPAK KADIAN (DEL)
Subject: RE:'ICICICARE=[protected]' Big concern about personal loan



For quicker resolution of your request/query, please write to us through the "E-mail Us" option. This option is available on the first page at our website, www.icicibank.com, under "Reach Us".".





Dear Mr, Kadian,



We tried calling on your mobile [protected] number, however you were not reachable.



We have made note for your request for the Personal Loan and your service request number is SR56795147.



We will revert to you by February 25, 2008.



Sincerely,

Krupa Mehta
Customer Service Officer
ICICI Bank Limited

You may write to us at www.icicibank.com using the " E-mail Us " option, For details, click on https://infinity.icicibank.co.in/web/emailus/jsp/emailUs.jsp

ICICI Bank introduces Mobile Banking for Loan Customers. Now ask for your loan documents via your mobile phone. For details, click on http://www.icicibank.com/Pfsuser/channels/mobile/loanalerts.html

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.









Subject: Big concern about personal loan





Dear sir/madam,

I here by inform to you that I am suffering a lot due to non co-operation of ICICI bank & rude behavior of DSA Please let us know my problem in brief:-

Around a one & half month back I got a call from Ms. Gurlin (telecaller in DSA, Credit alliance, Janak puri, New delhi) and asked me to take the personal loan @13.5% ( but it was also changed to 14% at the end after insisting) reducing rate and after two days all the documents were collected from me. She assured me to provide the loan within week & introduced herself as ICICI bank executive. After many follow ups she again asked me to collect my current month salary slip and again same was provided.

On 8th Feb, 08 at 0950 hrs, I got an SMS from ICICI bank that “Application for personal loan has been approved Ref. no. is 59065544” and then I asked to Gurlin that my loan is approved please tell me that how long it will take she realized me that with in two working days it will happened but PDC cheques and MID form require, same day it was collected and provided by me.

Cheque Details : PDC cheque no. = 102827 to 102838 and clearance date 05 march of every month.

After so many calls to DSA, they were now trying to ignore me then I called up ICICI Cust. Care with complaint no. SR55508313 but no action taken on the problem & SR was completed. And parallel I had lost my relations due to money with my relatives because I assured to give the amount very urgently after loan taken but really I was not aware it will take a very long time even after my company IBM in cat. and everything was perfect. After some days I again call up ICICI Cust. Care and asked about previous (SR [protected] & I was surprised after knowing that without any action it was complete. Again they logged a complaint SR 56514272 but now I don’t have much believe in bank & DSA due to this.

And I got some information that my file is handled by Mr. Yashir Rehman ([protected]) in Pitampura Branch so I had had a discussion with but no help was provided by him & clearly denied to elaborate the things.

My first EMI is about to go after 13 days and I don’t get my amount till now. I am mentally suffering a lot.

Here DSA is about to making a bad image of ICICI bank in customer’s point of view. Please assist me in about the issue.

I want an urgent reply, please revert asap. Waiting for your affirmative response.

Regards,

[protected]-------

Deepak Kumar Kadian

+91-[protected]







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Hi,

I am Joy from Kolkata.I have never found a fraudulant bank like ICICI.Bank agent used to stand infront of our office and always try to push credit card and they do it untill u get one. Likewise I got my card and they use to chrge interest inspite of paying dues in time. After sometime thay called me up and said they will send their agent to collect my dues but that agent did not turn up. Now I had to go USA for 1.4 years and by the time they did lots of harresment to my family even threatened to kill them. I called them up and asked to sattle the account and they agreed buit never turned up to collect the money. Once I back from USA I trensferred money to ICICI bank and they widrawn money from my account without my knowledge. They charged me 97000 while my outstanding was only 40000.

I would like to file a compaint with consumer court. Can anyone help me on this?

Anyone can call me at [protected].

Thanks,
Joy.

, Personal Loan Account
LP CAL [protected]
For last one year , every month I am to painfully explain the mistake made by ICICI;the position was clarified to their officials some of whom visited my residence and verified the records. On three occassions,I visited ICICI office at Gurusaday Dutta Road (ICICI Bank House, 2nd.floor,Personal Loan Department,3A,Gurusaday Dutta Road.) and request them for rectification of their records.

The registered letters remained unreplied. I am being reminded every month of non-payment of one instalment;my records show all payments have been made and I wanted to know the particular month when the payment was made. They do not reply.

ICICI raised two debits against one and when the next month's debit has not responded (due to inadvertent earlier extra debit),they did not adjust the entry.The story goes on.

Against one debit,they raised two debits and my account was debited twice.I pointed out their blunder.Debits raised :

07.12.2006 Rs.4982.00
19.12.2006 Rs.4982.00

I do not whom to approach for rectification.

Thanks

amar lahirimajumdar.
26/2,PGM Shah Road, Kolkata 700033.
[protected]

Dear Sir,

I have opened 3in1 A/c with the name of Mrs. Pankaj Saxena & Mr. Ram Lal Saxena. Application Demat A/c No. : [protected] but I could not received Demat A/c and also not a single communication from ICICI Bank till date.

With Regards,

Pankaj Saxena
E-1/12, Ganga Triveni Apartment,
Sector-9, Rohini
Delhi - 85
Mob. No. : [protected]

Dear Sir/ Madam,

My name is Mrs. Seema Marwah from Ghaziabad, (U.P.
).I m a customer of ICICI DIRECT since last one year. ICICIDIRECT is one of the worst trading portal which will not be available when you need them. Doing trding using icicidirect in itself is as volatile and risky as stock markets.I made lots of losses due to the problems in their working styles.
today i again made loss as their site get down again around 1.30 and didnt open till 3.30.
customer care executives of icicidirect keep me all time on hold and never ever they provide any solution to my problem. I really feel like an handicapped who is lossing money due to others fault.
I want to compensate my losses incurred due to icici direct site
failure.I request you to guide me in this regard.
seema marwah
ghaziabad
[protected]

I am Icici Bank credit card user, I never use my card for cash withdraw, and also I don't have pin to access ATM.But on 23 feb I got sms from bank that , you withdrew 20,000 rs from your credit card,that time I sent mail to Icici bank customer care, but till date I don't get response from them.Also I called to call center dept.,She said, the approval is showing for 20,000 rs on your a/c,when i told her all detail and when she checked information i my A/C, She said it should be technical problem,you don't have to do anything now.if it show in you monthly bill.then try to dispute it.

If icici bank not supporting his customer and treating like this no one would like to be with Icici bank.

thank you

vijay

To
The Manager
ICICI Bank Ltd.
Sir
I happen to be one of your customers with two home loans, the numbers being LSBGI [protected] and LSBGI [protected].
I have not yet received the statement of payments made as principal and interests against the said loans.
Therefore, I request you to make it convenient to issue the statements against my loans.
Thanking you
Yours faithfully
Mohammad Yasin
North Bengal University
Dt. Darjeeling.

December 2007

I lost my credit card on 20th September 2007 and three fraudulent transactions amounting to INR 11421/- took place. I informed the bank that I do not stand liable as the credit card had my photo on it, the transaction slips did not have my signatures, and it is primarily the liability of the merchant, or at best the bank, as they fail to ensure that the photo is validated. I raised the dispute putting forwards these issues and expected a coherent answer from the bank for the same.

I initiated the formalities at my end by lodging a police complaint, faxing across the police complaint, and a dispute letter to ICICI Bank (complaint no. SR[protected]. The handling of the procedure right from the start was at best pathetic on the part of the bank as it took me several efforts to get precise information about the logistics of the formalities from the ICICI customer care and to put across the complaint letter across ICICI. Eventually ICICI’s investigating officer (Mr. Govind Singh) also collected the copy of the documents from my residence. Later, he also asked me to fill up a form and post it across Mumbai, which I did.

The bank eventually resolved the dispute in the bank’s favor and asked me to pay up the fraudulent amount without any regards to the issues I had raised in the dispute, as specified above.

My repeated attempts to request ICICI Customer Care (through ICICI netbanking account) to hear my plea, as they did not responded to the issues I raised, turned futile. As advised further by the ICICI Customer Care, I even sent across a hard copy to raise a dispute to get my concerns appropriately addressed. I did not get the response and only after repeated emails, I started receiving insensitive replies that I need to pay up. Moreover each time there was a new official corresponding who never took the pains to go through the entire communication and just replied that I need to pay up. I repetitively insisted that if they had any queries then they should call me up and I’ll be happy to address any issues, but it was of no use.
After this they (ICICI Customer Care) emailed across their investigational report. I was outraged and horrified on going through their investigational report. The report comprised of consistent lies that the investigating team tried to contact me on phone and I did not responded well. The only time they called me up was when they asked me about the number and the value of fraudulent transactions made while I was in a meeting at office. In reply I requested them to please check out the communication and the dispute I’d raised and then get back to me.
Moreover, the team asked questions and answered them themselves. For example, the report raised a question as to why did I delayed registering the complaint although I received the SMS on my mobile around 30 min before. In conclusion, they seem to doubt my intentions without even asking the question to me. (In fact, the real reason was that I was driving towards home (Delhi) from office (Gurgaon) and I saw the SMS on reaching home). They also indicated that my relative may be involved and that the photo was not clear.

It turns out that the ICICI investigation team is involved in a cover-up process by generating a farce report. The report is totally absurd without any proofs and any coherent process being followed. Moreover the whole process at ICICI is insensitive, clueless, and irresponsible in its approach.

I intend to only pay for the amount liable to me and not for the fraudulent transactions. Moreover, I am hassled, stressed, and outraged by ICICI’s approach towards their customers. I now intend to take-up this issue to ensure that this does not get repeated with any one else and the bank acts more responsibly to ensure a safety mechanism to prevent misuse of the credit cards.


February 2008

ICICI continues to harass me on the phone and had sent a recovery agent at my home today. I am totally hassled and am seeking a way to put message straight across to ICICI.

I have followed ICICI Bank collection department for many times, but these guys don't know how to talk and don't stick to their words. I was making payment regular on EMI basis, 2-3 times i failed to pay amount, then suddenly they auto debited all my salary from my account and my account balance turned negative -52K. After that they tried to threat us in diff ways and dropped me following mail. Please guide me how to deal with...

To,
The ICICI Credit Card Manager

Subject: Regarding raising dispute for transactions on my card.

Dear Sir/Madam,

I have been issued ICICI Amex Card: XXXX XXXXXX X9006 in 2006. I have not used this card either online or at any swipe machine or in any ATM. The card was safe in a locker. Nobody else has access to the card. I have never provided card details to anyone on phone or internet. Indeed the card is still glued on the same paper as it is dispatched by your office. Thus there are no chances of getting the card details such as card number, CVV number, and expiry date etc.

On 25/02/2008 I got 4 SMS for following transactions:
"You made a transaction of INR 35,123.00 on 25/02/2008 using Card XXXX9006 at Eseva-Epayment" 4.17 PM.

Please investigate this dispute and provide me with a written statement of the outcome.

Regards,
Amit Kumar Garg
Ph. [protected]