ICICI Bank Complaints & Reviews

Sub: Wrong balance shown in my Savings Account No. [protected]

I would like to bring to your kind notice the facts given below :

Till 21 January, 2009 my balance was Rs. 86726.53.

On 31 January, 2009 I had tried to withdraw the money from ATM if ICICI branch of Okhla branch but could not get the money and ATM Customer Advice also.

Then (on 31 January, 2009 I had withdrawan a sum of Rs. 2, 000 from ATM of Alanknanda branch of SBI. After withdrawal of money my balance should be 84726.53. ATM Customer Advice is showing balance of Rs. 82706.53.

Kindly correct the same and Rs. 2, 020 may kindly be credited to my Saving Account. Copies of the cash withdrawal are enclosed for your information.

For your kind information, I am giving below some particulars of transaction :

Customer Name - Mr. Brij Narayan Verma
Date of transaction - 31 January, 2009
Card No. - [protected]
Account No. - [protected]
Amount of transaction Rs. 2020.00

I had already lodged the comlaint on 18 Feb. 2009 and complaint ticket number was given to me - CC[protected].

Please resolve the matter as early as possible and credit of Rs. 2020 should be given to me immediately.

Extornist ICICI BANK
EXPLOITATION / CHEATING OF EXISTING FLOATING RATE HOME LOAN BORROWERS BY ICICI BANK

DEAR Sirs,

All the customers who are trapped are feeling cheated and let down by the policy of icici bank to offer the low rates to the new borrows ( TO TRAP THEM) and then applying PLR jugglery in such a way leading to EXPLOITATION / CHEATING OF EXISTING FLOATING RATE HOME LOAN BORROWERS. Their rate of interest for existing borrows is 3 to 4 % higher than the SBI rate as if they are operating in different markets / countries. They are charging hefty amount for closure / shift of loan to SBI.
PL. WAKE UP WAKE UP STAND OUT RAISE YOUR VOICE AND SWEAR TO BRING ICICI BANK TO ANSWER TO PUBLIC IN BEING UNFAIR TOWARDS EXISTING HOME LOAN FLOATING RATE BORROWERS.

SOLUTION-
1.Pl spread the word to all near and dear so that they are not trapped with icici loan.
2. I am planning to shift to SBI 8% and fully transparent govt. bank

I'm getting undue harassment due to quoting of my mobile no. [protected] by Mr. Swami(E-mail address- [protected]@indiatimes, com) resulting in FALSE SMS ABOUT HIS CREDIT CARD STATEMENTS for his A/c no. 6003 in Delhi.I don't ve any A/c in ICICI bank.Prevent this harassment due to disinformation by Mr. Swamy & rectify ur records.

Dear Sir,

I had taken the ICICI credit card in[protected]. The card limit was Rs.36, 000/- and the bank saying that i have purchased the amount of Rs. 48.000/-. Which is as per me is not true. at that time i stopped paying the payment of ICICI credit card. After that i have lost my job and went to a critical finance condition. In between they have toucherd me and my family so much of time. currently i had worked with the Subhiksha Trading company for 1.5 Years. and from oct 2008 we din't received our salary till date. at present my financial condition is very poor. I m married and i have one doughter also, this people is still sending me telegram that they are going to get me in court otherwise pay Rs. 40, 000/- if you want to survive. My answer to them that i can not pay this much of money to you, pls make it reduced to 12, 000 to 15, 000 so can arrange by me, but they are not ready and still tourchering me and my family. pls help.

Hounorable Sir,

This is regarding my EMI payment towards use of ICICI credit card use. I was suppose to pay 12 EMI of Rs.3553/= and I paid them regularly. An EMI of Rs.3553/= of 28th Feb 07 was confirmed by the bank and issued me payment statement. Since then they allowed the interest to go up and after 2 years they conveyed me that the cheque no. 274900 aforesaid dated was PDC. From time to time I was in touch with the bank officials via email along with the payment reciept attachment to help them to understand the problem. But all was in vain. Very recently I warned them that I would be bringing this matter to the attention of Consumer Forum. Now they ask me to prove it by providing the bank statement. I have all the supporting proof with me.

Sir, I hope that the bank is non-conforming the ISO certification as regard to their quality of banking services. They had sent the recovery agent to my Baroda home but when I shown him the payment statement he went back unarguably. Now I am fed up with their calls.

May I be hopeful to get the justice from you?

Thanking you sir,
Your's truly,
Dr. Omprakash H. Nautiyal
[protected]

I am Holding ICICI BANK Credit card No. [protected] & three others linked to it……….

I am now very much fed up with ICICI bank Customer care.

They always make false promises, commitments and will never provide us the call reference number for our discussion which we had on Phone banking…………

(also at least you have to wait for 5 minutes before you get line to Executive)

In Feb 09, I converted few transactions into 3 months EMI’s (as per phone banker executive, only processing fees will be charged, no interest will be charged).

On the same day of conversion, I saw they have charged Interest +service tax on each transaction, I called them on the same day and I was told when my statement on 14th march would be generated, these interests would be credited in your account……..)

On 14th march 09, when I saw my generated statement, I was shocked, the amounts were not credited……….again I called them and again I was told that ICICI bank had made the mistake & will correct the statement & send it to me in one week, when I requested Reference no. of that discussion, nothing was provided……………..



Till today I haven’t received any reply, so I called again on18th March 09, now I spoke to Ms.. Pranita, & finally I was told these interests cannot be credited back in my credit card………………………&hel...⇄ She told me few wrong facts why they have charged interests but when i answered she at the end told me this is correct & cannot waived OFF...IF this is wrong why cant they delete that...also i think ICICI have taken a contract to foolish their customers?



Now what should I do………………I will pay any amount only when this would be settled & will have a satisfactory reply………………………&he...⇄

I also let you know that there must not be any Finance/late payment charges in next month if they are late in sending me fresh statement of 14th march 09, after adjusting these wrong interests charged………………………&...⇄





If now any false commitments are made, I will be forced to put this case in court……………..& will not pay any thing………………..

If they do still not believe on the facts stated above, I would like to hear the conversatation I had with customer care executive on phone banking……………….as I think they recorded all the conversations……………….



Hope to have the immediate reply………………………&he...⇄



Also you I am holding HDFC bank & HSBC bank Credit cards but never never had a problems like I had in ICICI bank………………….and the transactions are much higher than ICICI bank………………and also the payments are timely done………………………..

I lost my job n couldn't pay my outstanding bills, so the collection agent first forced me over the phone n then came over to my residence n misbehaved n used foul lanuage with me n my wife. Also after lodging an FIR with the local police station, no action has been taken so far.

Please advice.

HI
I applied for the reprint of PAN card this year . but when I check through SMS it says it have been delivered on 12-feb 2009, but i have not recieved pan card.
They are making clear about it.

Please help me and urgently reply me.
My aknowlegement # is [protected]
Email Id:-singh.[protected]@gmail.com.



Champa Das

I, Dr. Mahesh Vilas Mane, had taken a Housing Loan from ICICI Bank Ltd, in year 2006, for purchase of house. The Loan amount then was 32 Lakhs (approx. including home secure insurance plan). The interest rate when I took loan was 9.75%. Gradually this interest rate was hiked to 13.5% by January 2009. After RBI ( reserve Bank of India) revised the interest rates for home Loans I enquired the customer care about revision of my interest Rates..They asked me to Pay Rs.59000(approx.) as Conversion charge to revise the interest rate which then will be about 11.5%.
The other option they tell me is that if I invest Rs.1 lack per year for 3 yrs, for which they will pay interest of 14.5%, I will have to pay Rs.16000 only.
I when asked the person concerned for what these charges stand for, the person told me that they are against the losses the bank is going to incur with the revision of interst rates.
I have following doubts regarding this :
1. Is this conversion rate a universal for all banks or is it only for ICICI Bank Ltd.?
2. Is it legal to charge the customer for changes in interest rates that are usually under regulation byRBI?
And Bank probably has no economic burden for these changes.
And if it does why there was no such charge been asked for when the Bank had to increase the rate
of interst.
3. Is it not the Banks duty to inform the customer about the change in interest rates, when it drops down.
Rather they will send letters and executives to the customer when there is increse in the interest rate.

My complain against the bak is that it is charging unnecessarily to the customer for the reduction in the interest rates which it has reduced as per RBI guidelines.
Please advice me regarding further mode of action.

Thank you,
M.V. Mane

I have been calling the ICICI call centre for the details of my credit card which i need to discuss with the phone banking officer. Every time, they are telling that the system is down so that they are unable to call me. It takes about 10 mintutes to reach the phone banking officer and then they say that they are unable to help us. What a useless system.. If the system is down then they should inform immediately when the phone connects to them rather than wasting our time.
Also the system of redemption of reward points is very confusing and un clear.

Please do not trust ICICI bank - The reasons

1. When i took home loan in 2005 the floating rate of interst was 7.5% and par with any other leading private banks - now see ICICI charging interest at 13 %. This is more than 30% higher than any competative private bank rate

2. Why ICICI charging more interest rate - simple reason to recover their losss in sub prime and other high risk investments

3. What staturory agencies are doing - well every know what was happend in satyam eposide - as long you keep political bosses happy - not worry about any other issues

4. ICICI is the first bank to raise home loan interest rate to highet - 13.5% than any other private bank operating in india, and now charging same interest rate to existing customers despite many private banks come down to 10%

5. Worst and Poor curstomer services - you will not get proper and correct response or solution to you quries thru mail or over phone - always some generic mail content or generic response over mail

One last input - it my guess at this point of time - might be true in coming day - please do not invest in ICICI and do not consider for Loan or investment or for any banking operations - simple reason - it might be another satyam in indian banking sector in very near future .

Dear officials,

i am MAHANTESH VAKKUND working in Bangalore. i have a ICICI bank credit card ([protected]). i have been using this card from last 3 years and paid all the dues as on day till last january. but in last month i got married and couldnt pay the dues. today i got a call from ur office form the number [protected] @ 11.19am and the a person was speaking to me. i explained him everything why i was unable to pay the dues this time but he started speaking about my personal life. he used all vulger and rubbissh words to scold me he even told in kannada (hey laude pay madoke agalilla andre yaako saala madtira? namm hudagarna ninn adrress ge kalasi naanu en madatini anta torasala ). now you tell me i will pay all my outstanding at a shot but i want that [censored]#039;'''ng idoit infront of me, i am registering a complaint againt him in nearby police station. i need that person to b recognised. he didnt even tell his name when i asked several times. ICICI bank lost its value in my VISION.

Dear Sir / Mam,
I am Vijay Gurav, lost my PAN Card with number ANZPG1155A, I would like to have duplicate PAN Card. SO, Kindly issue me a duplicate PAN Card as early as possible to my present address.
9/2, Nuruddin Chawl, Gaondevi Road,
Poisar, Kandivali(E),
Mumabai - 400101.
Mob. no - [protected].

REFUND HEALTH POLICY NO.4034/HIR/0421/3370/00/008
I PURCHSED ONE HEALTH POLICY FROM ICICILOMBARD 26 NOVEMBER 2008.SO YOUR PERSONS ARE CHEET TO ME I WAS CANCELLED THE POLICY ON FEB MONTH 2009. SOMANY TIMES CALL YOUR CALL CENTRES MY AMOUNT IN NOT CREDITED MY ABN AMRO BANK. HOW MANY DAYS TAKEN TIME, ARE YOU INTERESTED PAY IN ABN AMRO BANK BALANCE AMOUNT PLEASE SEND MY BALANCE AMOUNT IN MY ABN AMRO ABNK OR MY ADDRESS...

My Card no is [protected]
My Imint Card no is [protected]
Name : Jayavelu
Mobile : [protected]


On jan 15th 2009 i have recd msg from imint stated that my icici bank credit card points have been transferred to imint card # mentioned above and sent to me bu so far I have not recd any Imint Card from Imint end. I have repeateadly
informed to the customer care & they every time informed that it would be reached your residence withing 3 working days. But still I have not recd the same.
the contact number which mentioned in the text msg is out of service number. I can't redeem my rewards points.
Pls help me to get the card asap.

Dear sir,
In reference to above subject I want to describe some probles related my ICICI Bank Credit Card.,
Name : KHURSHID BARA
Card No . [protected]
Valid From: 09/07 (Sept, 2007 )
Valid upto: 09/11 (Sept, 2009)

As I have send request on ID : customer.[protected]@icicibank.com on 19.11.08 at 10.54 Hrs to withdraw my Credit Card facility and requested not to send any statement of Credit Card we were ready to pay the balance payment anyway.. Then next day on 20.11.08 I had received call from [protected] to pay full & final amount sum of Rs. 1784.00 Rs. I had paid it same day...
Then Every Month I am receiving the Same Statement of Payment of Credit Card.. As already closed. I had received last Satetement of Rs.4006.34 on 09.03.09
On Saturday @ 9.45am I have called on[protected] for this matter from Mob No.[protected] for about 5 minutes .. Now Always ICICI Credit Card Division hesitate me to pay this bill..

So, I want to know, why I should pay this amount sum of Rs. 4006.34 ...So, Pls. Let me give judjement..

Thanks & Regards.

KHURSHID BARA
[protected]

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.