ICICI Bank Complaints & Reviews

Hello,

I am customer with ICICI and have taken loan of about 15L consisted of 1 Home loan+Top Up.Due to worst market condition i can no longer pay the EMI though i really want an other way out.It has been 2 months I haven't paid.I read in daily newspaper about refinancing.Do anybody have an elaborative idea about it and how to go for it in my circumstances.I can pay EMI of 10k in current scenario and compromise on increased tenure!
Is it feasible if ICICI can go for this?
Kindly do comment and share views on this.
Thanks!

This is what i am writing after a lot of follow up with Customer care, Business head's office for resolution.
Every link has failed.
I had subscribed for Visa Bill Pay servise with ICICI credit cards dept. Subscription was for one airtel bill and two Prudential policies. i do have letter from VISA Bill pay servise for standing instructions. i got call one confirmation call for some strange policy number. Even after indicating not to pay for some other policy, there has been a debit of Rs 30, 000 which is not yet reversed till date.
i have been writing to Mr Anup Saha (business head), i have been speaking to Ms Shravati Rao almost every day. Customer care is asking for more and more days to do the needful.

I have been receiving similar experience from ICICI Home fin, ICICI Lombard and now ICICI Credit cards.
i have been getting reminder mails from ICICI bank for paying this Rs 30, 000 with a lot much of delay charges.

Request your intervention. i am preparing myself for asking compensation of Rs 10.00 Lacs from ICICI for this harrassment.

Dear Sir,
I have taken a loan amount of Rs 1lac and get it enhanced to Rs 4lac making a total of Rs 5.00lacs.In the year[protected] and[protected] when I got my statement of EMI's, I found that the two certificates are showing different loan amount taken by me.Kindly clarify the status.Also clarify that the orignal registry papers submitted to icici is in safe custudy.My file number is 421760 and loan account number is LUK 350688.

My LAN Number :LTCHE[protected]
Location :CHENNAI
Name :ANBARASAN.R
Address :NO 1/13
ANDAL AMMAL NAGAR, SIVAN KOVIL ST,
TOWNSHIP BACKSIDE, THIRUVERKADU,
CHENNAI
TAMIL NADU
600077

I TOOK LOAN AMOUNT OF RS.38, 000.00 AT A 19.4 RATE OF INTEREST FOR A TENOR OF 30 MONTHS. I PAID EMI OF RS.1, 583.00 FROM 10-OCT-2006 TO 10-FEB-2009.
I HAVE WAITED FOR MORE THAN A MONTH BUT STILL I DIDN'T GET MY NO OBJECTION FORM, MOREOVER I NEVER RECEIVED ANY CALL OR ANY NOTICE LETTER FROM ICICI BANK.
I EXPECT THE NEEDFUL AS SOON AS POSSIBLE

R.ANBARASAN.

Dear Sir


I am saving bank account holder in ICIC KUMAR PARK BRANCH BANGALORE. Whenever i came to india and visited bank nobody shown quick reply my native place is 600 km away from bangalore and i am resident of australia. due to neglegency and not good approach towards helping and make process easier to customer you icic bank is loosing lot foriegn exchange money and investments.
when rate for AUD$1= 42 RUPEES that time i have had applied for net bank ID and Paasword which i lost when i personnaly went to bank ...you always shown short cut like pone banking and customer care call no etc but you should know that that system is more worst that physically visiting bank. i have had some time and unable to get my work done. so until now no perticular eamil for that my work so i am also decided to not to send money to ICIC which has lesscareer team and neglegency for customer.
even now i want urgent help for international money sending facility etc.

thank you.

Ref: LBMUM[protected]

ICICI bank had disburshed Home Loan total for Rs. 16, 45, 600/- out of this
Partially Disburshed for the amount Rs.855212 on 11/07/2008 and started charging PRI-EMI and for remaing loan amount they hold me up to December 2008.

PreEMI Details 31/07/2008 = 5536
01/09/2008 = 8553
01/10/2008 = 8553
31/10/2008 = 8553
03/12/2008 = 8097
[protected][protected]
Total = 39292

Forcefully they had charged PRE-EMI on me up to December 2008.

After requesting for application cancellation so that I can approach to any other financial institution and so many request finaly they released a cheque of Rs. 6, 90, 150 /- in favour of Flat Owner and a cheque of Rs. 1, 00, 000/-/- in favour of Me. (Akil Khan)

I told them I dont want Rs. 1, 00, 000/- cheque which was issued on my name. then they told me take it it is valid for 1 month if you will need in future then you can deposit it in your A/C or you can retuen it to Bank. if you will disburshed this cheque then only interest will be charged on this amount otherwise only on that amount which will be disburshed. i.e Rs.855212 and Rs. 6, 90, 150 /-

I didn't disburshed above cheque and returned it to ICICI Bank - Andheri Brach on Saturday 07/02/2009 by 6:30 pm and it has been received by Mr. Ashish Haude. then also they have charged interest on that amount.

EMI Month Charged EMI Exact EMI Difference Amount Charged
10/02/[protected]
10/03/[protected]

When I asked from Mr. Sagar Tiwari RO-Home Loans-
"Will you please give me the reason why bank had charged access EMI of (1049 + 1049 ) = Rs. 2098/-, If it is by mistake then how this differ amount will be adjusted?"
He told me to call on customer care No. 28307777, and customer care representatine is telling that, I will not get back this amount because you had accepted cheque of Rs 1, 00, 000/- and returned it by 10/03/2009
But the above Cheque I have returned to ICICI Bank - Andheri Brach on Saturday 07/02/2009 by 6:30 pm and it has been received by Mr. Ashish Haude .

Kindly Help Me.

To,
The Chief Manager.
ICICI BANK LTD

Sub :- Wrong Statement OF Credit Card .

R/sir,
My name is ajay kumar arora, I am user card last 7 year.
Card no [protected] &[protected], your bank
Loan amount 320000/ dt 23.01.08, my first EMI starts 23.02.02008
I am regular EMI paid to on time but your bank 11.03.2008 statement
Late charges 600/-I am deposit ch 993348 dt 28.03.08 your drop box
I complant yo c care but no result
5.5.08 krishana time 1.00 to 1.18 ph no [protected]
17.09.08 alok 14.40 to 15.09 ph no 30512330
20.9.08 rajesh 10.40 to 10.48 ph no 30512330
20.09.08 neelam C Care 11.25 complant no SR 80123368 but no result
30.09.08 shuriti 15.20 to 15.36 ph no[protected]
C Care[protected] no result

18.10.08 miss kavita time 15.59
MR Manish 17.12.08 14.04 time
your bank many calls our person your office and collet the ch but bno person
come to my office and your bank late charges,
MR Sunny ph no [protected] 25.02.09 no person come time 11am to 2 pm
MR Sunny [protected] 26.02.09 time 11.to 2 pm
MR Deepak [protected] 24.12.08 time 3 pm to 5 pm
MR Sunny 7.03.09 ph no [protected] time 11.35
9.03.09 10.20
5.03.09 15.32
5.03.10 14.25
5.03.11 15.25 but no person come to my office.

Pl soughtout my problem your bank officer many times harrsment per day .to day three times ph Mr Vijay ph no 30512400 your payments due when will deposit .
Pl earely sought out my case
Thanking You
A k arora
Pn [protected]

Sir,

First for icici bank ltd. i have a saving acount with icici bank my ac no[protected]. i give cheques to city financial against for my personal loan for my emi. the amount is 2521/- pm. the emi deduct every month on 05. this month the emi not deduct from my acount. on 06 mar i got a sms your cheque 327293 dishonoured. when i chequed on the reson shows due to alternate in date / figure but the same chaque cleared on 14 mar 09 without my any alteration / sign / city financial done anything on that. when my cheque dishonoured on 06 mar 55/- charged the bank from my acount. If i can not do any thing why the cheque cleared second time. i visit the icici rn mukherjee branch, kolkata today at 1915 hrs at counter no 15 tne executive replys me sir every month same amount deduct from your acount so that we clear second time so that you are not in trouble.

Second for city financial. when i take loan the bank take me 19 cheque in advance and the same will be produced every month on 05. every cheque i signed in advance nothing written on that. the city financial every month write the amount and the date on that and send it to icici bank for clearance. but this month my cheque have problem i called the costomer care delhi[protected] the executive told me sir you wrote the amount and date on that some mistake done by you so that the cheque dishonoured. 14 mar 09 onward i received a lot of calls from the city financial agents your unpaid amount is 2521/- clear it. daily i told to the agents already second time my cheque is cleared but these people not beleve on me. today the agent told me when our system shows your debit is clear after that we not call. but these people not in position to listen any thing. why the city financial not yet update in system so that his agent inform. i call regarding this matter to costomer care again on delhi no and kolkata no these people told me we cannt do any thing becouse this call is from collection department again i call the sells department they also say sorry and sugest me to abuse them when they call. when i call back the nos from i got call no body replys. what i can do.

sir main fault create by icici bank second the city financial why not update timly my emi.



thanks,

ICICI Bank had sent me a courier of Credit Card (AWB[protected] to my address -Azad Nagar, Near Brahmand Complex (provided by me for their records). The said address is of my in-laws. However, I and my husband are staying separately at Kasarvadavali, and since no one is at my place to receive any courier, all our correspondence is delivered at my in-laws' place. The said courier was not delivered to my father-in-law since he could not provide my ID proof. I, therefore called the concerned courier office on 25441008, who told me to contact the customer service centre on 31002222. However, when I called the customer service, i was not attended at all - I kept holding the call for 9 minutes and no one attended my call. This is a very disgusting and unexpected as the customer service can't keep the customer holding for so long.

Would request to look into the delivery of the courier to my in-laws address i.e. B-7/403, Swastik Park, Azad Nagar, Near Brahmand Complex, Ghodbunder Road, Thane (W) - 400 607 and take action about customer service.

I am a BSNL employee.
I have availed one persolan loan LPKOM[protected].
I am paying the instalments regularly but everytime some dues and cheque return charges appears in the loan account.
Some people introduced as from ICICI Bank call over my mobile number and speek abuse also.
Today also a man introduced as ICICI Bank employee called from the numbers [protected], [protected], [protected] threatened and spoke unparlamentory words upon me.
I want to close the loan. What is the total amount to be paid to close the loan?
I want to stop the banking relationship with ICICIBank.
It is not at all advised to avail loan from ICICI Bank.
Please stay away from ICICIBanking relationships.

thru this mail i wud like to complain dat I m nt receivin my monthly statement since january... my account no is[protected]... pls send my statements as soon as possible and do send me monthly statements regularly... I hope that I wont use this complain board again...

I have a mobile No.[protected] since the last five years. I have been getting calls from ICICI Bank, Credit Cards Divn. about a defaulter Mr.GPK Reddy whom I presume was holding this mobile number earlier. Inspite of informing the bank not to contact him over this mobile, the bank and its representatives keep calling on this number. This has been going on for the last five years and all my attempts to stop these calls have failed. Most of the time, I am either travelling or driving or in a meeting when these calls are received and I am forced to lose my temper on such occasions. Lately these calls have increased and I have also started receiving SMSs continuously intimating that they will report to Credit Bureau i.e, CIBIL about my track record.

I request you to take up the matter with ICICI BANK and see that this type of harassment is stopped immediately.

[protected]@yahoo.co.in

Dear Sir,
This is to inform you that I am holding a credit card ICICI bank since March 2007. My old card no is [protected] on behalf of this card I gave a request to bank for new card because my old card strip was not working and after two days bank despatched the new card but the card was not being delivered to me. That card was delivered to my old office address at Progressive Times Planner Pvt. Ltd., I -11, LGF, Lajpat nagar – II, New Delhi, and I came to knew about that when I got an SMS from the bank about two transactions one for Rs .90, 000 and second for Rs. 13, 000. As I got the SMS from the bank I informed the bank immediately about the non reciept of card and reqested to stop the payment to the merchant and to block my card. I gave the complaint to the bank by e-mail and fax also. I lodged a Police complaint also at Lajpat Nagar, New Delhi Police Station.

After that I got a letter from bank side to solve the above transaction and I got my credit limit reversed in my monthly credit card statement. When I received my next statement, the bank again debited the above said transactions. Neither the amount was given to the merchant nor did it returned back to me and now the bank is adding that amount in my monthly credit card statement with interest. I am paying the money to the bank which is not provided to me by the bank and not used by me, that too with interest.

Currently the bank is saying that the payment is on hold but no specific reason is explained to me. I reqested bank so many times to credit the transactions as well as the amount and interest, which I am paying to the bank for last 4 months, in my card. I am paying that amount just because I don’t want to spoil the healthy relations with ICICI Bank.

You are requested to intervene in the matter and to do the needful.

Details of the communication done with the bank for the above matter is given below.


Suneel Kumar
Mob. +91 [protected]


Dear Mr. Venkatnathan,

Just Keep yourself in place of me and then tell me shall I pay the money which I have not used. Bank is charging the interest to me for the amount that I have never used and the amount is lying with the bank. Bank has not credited the amount to the merchant also. It is bank's responsibility to ensure delivery of card to the customer. Even then to maintain the relation with the bank I have paid the interest to the bank till yet. But now I will not pay the interest anymore & I have no other option except to go to the consumer forum.



Therefore, you are requested to credit the amount back to my card alongwith the interest on the amount.



Regards,



Suneel Kumar

Mob. +91 [protected]

--- On Thu, 12/2/09, ICICI Bank Customer Care <customer.[protected]@icicibank.com> w



From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Attention Plz...
To: "[protected]@yahoo.com" <[protected]@YAHOO.COM>
Date: Thursday, 12 February, 2009, 3:16 AM


Dear Mr. Kumar,


We tried to contact you on [protected], however you were not contactable.

According to the revert of the request SR83654580, we inform you that the dispute that you raised has been decided in the bank's favour.

Please make payment of the amount outstanding to avoid further financial charges.

We have attached the credit card delivery proof.

Looking forward to your co-operation in helping us serve you better.

Sincerely,

Tulsi Sirivella
Customer Service Officer
ICICI Bank Limited

ICICI Bank now offers 8.75% p.a. on fixed deposits for 390 days and 590 days, 9.00% p.a. for 890 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: Sunil Ahuja ([protected]@yahoo.com)
Date: Wednesday, February 11, 2009 09:40 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: Attention Plz...

Dear Mr. Venkat Nathan,

I have explained you my whole problem even then you are saying me to make the payments. Explain me the reason why should I pay that money? Am I here to crack jokes with you or you think that I am lying to you? What a stupid reply you have sent me of the e-mail. I have tried a lot to put my complaint in your 'E-MAIL US' (www.icicibank.com) but it is saying that transaction date cannot be prior to 90 days.

Now I request you to take right action in such case. Reply me...

-- On Wed, 11/2/09, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Attention Plz...
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Wednesday, 11 February, 2009, 6:31 AM


Dear Mr. Kumar,

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

As per SR83654580, The dispute that you raised has been decided in the bank's favour.

Please make payment of the amount outstanding to avoid further financial charges.

Sincerely.

Venkat Nathan
Customer Service Officer
ICICI Bank Limited

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

ICICI Bank now offers 8..75% p.a. on fixed deposits for 390 days and 590 days, 9.00% p.a. for 890 days. Please contact any ICICI Bank branch.

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

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

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




-----Original Message-----
From: Sunil Ahuja ([protected]@yahoo.com)
Date: Tuesday, February 10, 2009 08:41 PM
To: Icici (customer.[protected]@icicibank.com)
Subject: Attention Plz...

To,


The Manager

Customer Care Dept.

ICICI Bank.


Sir,


This is to request you that I am holding a credit card of you esteem bank since March 2007. My old card no is [protected] on behalf of this card I gave a request to bank for new card because my old card strip was not working and after two days bank dispatched the new card and I did not receive this card. That was card delivered to my old office address at Progressive Times Planner Pvt. Ltd., I -11, LGF, Lajpat nagar – II, New Delhi, and Progressive people swiped this card in company EDC terminal and make two transactions one for Rs .90, 000 and second for Rs. 13, 000 and immediately I got the bank SMS. I informed the bank to stop the payment to merchant and to block my card. I gave the complained the bank by e-mail and fax. I lodged a Police complaint against Progressive Times Planner Pvt. Ltd. at Lajpat Nagar, New Delhi Police Station.


After that I got a letter from bank side to solve the fraud transaction and I got my credit limit reversed in bank monthly credit card statement. When I received my next statement, the bank again debited the above said transactions. Neither the amount was given to the merchant nor did it return back to me and now the bank is adding that amount in my monthly credit card statement with interest. I am not ready to pay that money, which is not provided to me by the bank and not used by me, that too with interest.


Currently the bank is saying that the payment is on hold but no specific reason is explained to me. Kindly, credit the transactions as well as the amount and interest, which I am paying to the bank for last 3 months, in my card. It is my kindness that I am paying that amount just because I don’t want to spoil the healthy relations with ICICI Bank.


Kindly take actions in this regard.


Thanking you!


Suneel kumar

Mob. +91 [protected]


NOTE: This matter is also sent to the Consumer Complaints.




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From,
Mr Deepak K Kamble
Credit card no. [protected]
e-mail- [protected]@yahoo.co.in.

To,
The Manager
ICICI Branch
Bund Ganden
Pune,

Sir,
As per your e-mail dated 29.01.2009. I have deposited Rs:- 14, 050/- through ICICI Branch SOLAPUR.
The deposit slip no is 3136765.

Sir in future, it is not require to continue my credit card account therefore it is requested to cancell my credit card no as mentioned above.

Please inform accordingly.

Thanking you.

I'm a icici chennai customer. I went to a axis bank to withdraw 5000/-. Since in my native place there is no icici atm. My native is Chittoor, A.P. But my transaction with axis failed. I got message like unable to process (security person with me). I went another atm (indian bank), tried to withdraw, it shown insufficient balance. I login to my icici account, and it shown transaction successfully done with Axis atm. I gave a complaint (complaint id:[protected] regarding with icici customer service on 3rd march, 2009. They told me to wait 12 business days, that is till 16th march.

I called to icici today and they informed to me that wait +12 business days. because axis says that transaction was successfully made. I shocked. How could it possible, since I didn't get money. Icici customer service person informed me that they took one more complaint through visa.

Please help me, what to do?

5000/- is not a small amount.

Any help would be great appreciated.

Thank you.

SIR/MADAM

I tahseen naiyer holding saving account with your bank and my saving account no is[protected].My concern of mailing to you is total negligene of icici bank employee for which i m suffering for last 3 month . I had already put my grievences in front of icici customer care and also in the branch but there was no response after running from post to pillar i find myself helpless so i took this step in mailing you my grievances. From my account 18000 has been withdrawn without my knowledge on 20th dec 2008. when i approached the bank i have been told by the bank employee that you had issued self cheque of 10500/ and 7500/.but for me it was shocking because i did not issued any self cheque. then i came to know that one gentlemen had requested for cheque book through phone banking and the same has been delivered to the lajpat nagar 2 new delhi branch by showing an authority letter, the same gentleman went to lajpat nagar 4 new delhi branch and withdrawn the money . I asked the branch manager to show me the cheque through which the money has been withdrawn and i could see the negligence of your bank because the signature was totally mismatch and as well as in the authority letter . The bank manager told me to put an FIR and we will do an investigation on the same and you will get confirmation within seven working days. Now 3 month is gone and i did not get any kind of response. Sir please tell me what should i do in this case, please help me.

Thanking you
Yours truly
Tahseen Naiyer
[protected], [protected]

Till now i have not applied for any credit card and i dont have any. But recently i have applied for a loan with ICICI bank for my personal use and really got humiliated saying that my name is in CBIL and am not eligile for any loan applications further. Definitely its been a mistake by CBIL by entering my name or be it my PAN in defaulters list

I have a credit card of icici bank Card no:-[protected].EMI Card.the recovery executive are making call to me in regular basis.they are charging more withought my knoladge.i had purchase a mobile of Rs-5700(aprx).but within 15 days they sent me a stament where i have to pay minium Rs-4000/- i paid that ammount on time and than i got a statement where i have to pay more amount with EMI charges, intrest charges+service tax.when i call on customer care[protected].they do not respond and the language which is used by them is not good to talk to them.i am getting regular call from andheri J.B.Nagar the executive is now calling me and threreataned me weather i will be on train or in road crossing.
I need healp and sujjesation.
Regards
Anwarul Haque Khan

Dear sir, i have lost my atm cum debit card last month.wat r the procedure should i follow.pls let me know by mail.thank u

Settlement of ICICI Credit card no [protected]

I would like to highlight my Credit card settlement case wherein ICICI Bank is fooling be since last one month & are not giving me a clearance certificate even though i have paid all the three installments amounting to Rs 21000/- as per settlement letter issued by ICICI. On the other way they have been regularly sending the credit card statements in spite of the settlement...