ICICI Bank Complaints & Reviews

I have undertaken balance transfer facility with the ICICI Credit Card on 12-08-08 on interest of 0.75% per month for first six months and 1.49% per month thereafter till i repay the whole amount. Once i availed this facility, the bank started charing interest on new purchases made using this credit card from the date of purchase @ 3.4% per month. Every month i have promplty made payment before due date which
includes amount due towards pruchases made during that month and certain amount towards interest on outstanding balance transfer amount and certain amount towards prinicpal of balance transfer... This continue to happen every month and on complaint to them via email, the bank reversed the charges giving assurance that this issue will not repeat again.. but the issue persisted till date and on my recent compalint i am informed by the bank represntative as "We would like to confirm you that we
are reversing the interest charges on the card account every month even though you have taken the life time balance transfer on the card.Even the new purchases done on the card will attract interest charges on the card account for the life time balance transfer taken @ 3.40% . And no further reversals are possible on the card.

On receipt of this mail, i have formally lodge a compliant with CORE at their Webiste. This issue was escalated to Head Service Quality, which never provided any clarificaitons to my query. I have received a call (No:[protected] from your recovery section. I was provided the below noted details:

1. A note has been sent to him for settlement of my account to him from Head Service Quality .
2. As a standard policy, my name would be sent to CIBIL and register which will have effect on my future, as no loans or credit cards will be issued to me in future.
3. It is not a great idea to go this as the amount of waiver would be maximum of Rs.2000.

I have few queries with respect to above courtesy call from ICICI Bank Credit Cards Division:
1. I want to close my account with your organization and have asked for final amount due for settlement. When i am paying the whole amount which i am supposed to, why is my name should go the CIBIL.
2. Have i asked for any waiver till date?
3. What happens to the other queries which i have asked for clarifications?
4. None of your correspondence mail have provided with the clear instructing on next steps.
5. I also hold other credit card of ICICI Bank, what will happened to that?
6. What will happen to the demat account which i hold with your bank?
7. What will happen to SB A/c which i hold with your bank?
8. What will happen to all other relationships (as mentioned in 5, 6 & 7) which i have with your bank?

My previous queries are:
1. My payment were not appropriately apportioned towards balance transfer, due to which interest on outstanding amount was charged at 3.4%.
2. The EMI was also charged an interest of 3.4% when there was an payment already made by me and moreover the EMI was already had an charges of 10%.
3. Details of what was the total amount due to be payable from my side for which i haven't received any communication.

I request anybody and everybody whoever reading this compliant to check for the issue and provide me a proper relief than endangerign my future...

Dear sir... We have transfered our home loans from ICICI bank to LICHF.On 4/3/09 we paid foreclosing amount to ICICI bank and they promised that they will give the original property paper with 15 working days, therefore by 25/3/09 which include some holidays bank should hand over the property papers to us but unfortunately we have not recieved our property papers.Every day i am paying interest to builder for delaying of payment. i have called customer care many times and visited greenpark branch many times but still i dont know where is my property papers.Sir kindly look into the matter and do your needful.
Thanking you.
Dr.priyanka verma

Sir, This is amar previously iam worked in icicibank personal loans (dst5hy samrat solutions pvt ltd hyderabad )in a sales exicutive.iam qualifed for knock out scheme but i dint recieve any information from anybody, my colegue miss haritha went to collect her gift from dst there she saw my name that i qualified for LCD n she toled dst people are asking why amar is not coming 2 collect the gift?sales manager phanimadhav, business manager ramakrishna, team leader pratap, also not supporting me.conformly i know that i qualified for gift.plz responce for my mail.



THANKING YOU
AMAR.

dear si/madam,
this is to inform you that my LAN number is LTPHM[protected]
and my new address is
M/s. Dynamic Logistics,
C/o. Eicher Motor Ltd.(cspd dept.)
sector-1
pithampur dist.-dhar
454775

please send me noc letter on my new address as early as possible.


regards,
manoj pundkar
[protected]

It is submitted as under-
(1)That i have an account in State Bank of Patiala and my account no. is [protected] and ATM card is also issued to me.
(2)That on 12.02.09 i have used my ATM card for withdrawal of Rs. 15, 000 from your ATM situated at 100 ft. road, Bathinda, Punjab. But no amount is withdrawn but as per the receipt of ATM it shows that Rs. 15, 000 is withdrawn.
(3)That on same day i withdrawn Rs. 15, 000 from your ATM and Rs. 10, 000 from S.B.O.P ATM situated at Model town, Bathinda, Punjab.
(4)That the daily limit of withdrawal of SBOP ATM is Rs.25, 000, but the receipts shown that Rs. 35, 000 is withdrawn from account. it is impossible that amount above Rs.25, 000 is withdrawn from SBOP ATM. I have retained all the receipts for valid proof. So i have noted the complaint in State Bank Of Patiala but they said this problem would solve by ICICI Bank. I reached your branch situated at Bibi wala road, Bathinda, Punjab for this complaint but they refused to solve this complaint. I again reached SBOP Bank for this complaint then they noted my complaint and told me that they would send the letter to Bombay because at Bombay there is the Head office of all ATM's. But till now this problem is not solved.
So it is therefore prayed that Rs. 15, 000 be adjusted in my account no.[protected] which is wrongly deducted.
I shall be thankful to you.
Rajesh Sharma A.D.A.
Bathinda, Punjab

Dear Sir/Madam:

This is to inform you that My I have Two Demat Account NRE-non-pins for IPO & MF and NOR-PINS Online Trading, As an NR India I was told told that as per regulation I cannot subscribe to IPI & MF via NOR PINS account, so I had opened NRE-NON-PINS Deamt Account as well. For both the account I was provided with Two Different Login ID for ICICI Direct Web.

Suddenly, In Mar-2008, my login ID linked to NRE-NON-PINS, was disabled without any prior notice and I could not login to the NRE-NON-PINS Demat ACcount. Upon sending several mails I did not received any update. Finally when I wrote to their help desk that I will logged a complain in consumer forum, then I received a call from ICICI and they explained that as per regulation, I cannot have Two Login ID for Two different Demat account and that is why my login is disabled.

When I told them that I have not received any notification for disabling the login, then they said, I should submit the Linking Demat Login form by sending signed scanned copy of the Linking form and later an original linking form to be sent to the mentioned address in the linking form with the provided Service Request number. All this details were provided to the ICICI Demat services. Then after six months upon enquiring status of my linking of demat account I did not received any update. Recently when I mailed them saying that my demat login is not working, they gave me same feedback and requested me to send scanned copy of Login exert from the Mial received from ICICI Direct (NRI Services)
1. You need to provide us with a written letter duly signed by all the account holders stating that the User ID ( "A" ) which you want to operate. You also need to mention that you want to link all the other trading accounts linked User ID "B" to the User ID "A" and does not want to operate User ID "B".

2. Provide us with the scanned copy of the letter for linking of accounts. After receiving the e-mail we will take a request for linking of your accounts and will provide you with a Service Request number.

3. Later you needs to send the physical letter mentioning the SR number on it to the below address:

Once again as requested, I send the linking form scanned and later original copy with provided SR Number.
After 10-15 days, when I sent a mail asking for an update for the SR number, I received a mail as below:

“As per Service Reference Number is SR[protected], we have observed that we would be unable to process your request for linking of accounts under one user ID as the re-execution documents for your trading account are not submitted.

We request you to submit the re-execution form (attachment given) along with the valid documents at our address mentioned below: “

Please guide me how can I resolve the issue.
Sachin Vanjara

ICICI Bank had transferred my points to imints, saying 1:2 ratio. But it is reflecting as 1:1.5 in imint. Without information, points are getting transferred and ICICI doing all frod with points.

Dear Sir,
My name is Ravi Verma and i got a call from Deepak Khanna ICICI Bank SD Tower Sec 8 Rohini tel[protected] and I was asked to pay the credit card dues which I didnt pay earlier due to financial crunch and had thought that I would pay in April 1st week. When I got a call from Deepak, I told him that I would pay in the 1st week of April as decided earlier and then he started using abusive language and said " saaley, company ke paise leye hai toh dene padage, bhenchod " and given threats . This is a mental harassement and defamation and please help me.
Ravi Verma
[protected]

With deep regret I have to escalate my grievance to you, hope the same wd be taken in right prospect & actions wd be taken to meet the service level expectations of the consumers.

With respect to the above health policies I was offered free health check up coupons, I had put in a request to one of your call centre numbers to fix up for the same on 17th march 2009.
I was assured that my appointment would be confirmed within 48 hrs. Since no one responded I again called for appointment on 22nd and 23rd march 2009, and was again assured by the executives that I would be given an appointment within 24 hrs.

Till date I have not received any confirmations via email or phone call regarding my appointment from your executives

I have been assured by various people about the quality of customer services by icici Lombard health insurance. With these kind of services it raises a doubt in my mind whether this company wd be able to stand by me in case I am in need of services ?

Request you to take this up & resolve the same ASAP.

To SPEED POST

DATED March 27, 2009


Her Excellancy President of India,

Rashtrapati Bhawan,

New Delhi.


Sri Manmohan Singh,

Honb’le The Prime Minister of India,

PMO, New Delhi



The Central Bureau of Investigation,

Economic Offences Wing (CBI-EOW)

New Delhi



The Ministry of External Affairs,

New Delhi.



The United States of America’s Emabassy in India,

New Delhi.



Fraud Cell of CBI,

New Delhi.



SUB: SENIOR CITIZEN USA NATIONAL OLD LADY’S PLEADINGS: FRAUD BY ICICI BANK OFFICIALS; DEPOSITED RS 3 LAC FOR FDR RECEIPT; FRAUDULANTLY WITHDRAWN RS. 1 LAC AND HOTCH-POTCHED; RS 2 LAC FRAUDULANTLY TRANSFERRED TO ICICI PRUDENTIAL WITHOUT KNOWLEDGE AND CONSENT.



Sir,

I have received a complaint from Mrs. Shimla Devi Bhardwaj resident of 10315 CopColn Stockton Californaia (U.S.A.) during her stay in India lives at Nisha Bueauty Parlour, Bansan wala Bazar, Phagwara



Mrs Shimla Devi has accused the officials of ICICI Bank, Phagwara. She named the Bank officials Miss Vani & Mr. Vivek Sharma who have defrauded the customer Mrs. Shimla Devi in connivance with other Phagwara ICICI Bank Officials of lakhs of rupees.

She had reported the matter of fraudulent transactions in her account but no action has been taken so far against the fraudulent officials.



The officials promised to dispatch the documents at her United States address, but they failed to dispatch the same. The bank officials have withdrawn amount of Rs. 2, 00, 000/- and Rs. 1, 00, 000/- hotch-potched by the bank officials. Why not the bank make the inquiry on the particular transactions. Why don’t ICICI officials reply to the representations of American Senior Citizen lady. Why not the statements of the Senior Citizen be recorded and the matter be investigated.



The ICICI bank officials committed financial fraud with Mrs. Shimla Devi Bhardwaj by asking her to put signatures on blank papers. Though she objected but the concerned officials said that we shall fill the documents later on.



DETAIL:

Mrs Shimla Devi Bhardwaj is the resident of 10315 COP COLN STOCKTON CALIFORNIA U.S.A. In year 2005 she came to Phagwara to dispose off her land situated in India. As she had been already operating an Account with ICICI bank Phagwara Branch.

1. On 2nd April 2005 As she had deposited the amount of her land proceeds in ICICI bank, Phagwara Branch.
2. On 24th May 2005 she approached the Icici Bank Branch Phagwara to convert the money deposited in bank branch in US dollars and close the account. The balance of the Account was about Rs. 3 Lac.
3. The dealing officer to whom she requested was bank official Miss Vani to whom she requested to close the account.
4. On my request Miss vani got furious and contacted Mr. Vivek Sharma. Both of them pressurized not to close the account. They gave her a proposal that we shall issue an FDR to you. In that scheme your money will get doubled in three years. On their pressure she admitted and requested to issue her FDR.
5. She was given a bundle of papers to sign on which nothing had been filled up. On asking by Mrs. Shimla Devi that these documents are blank why not you get it filled. They said that we shall get it filled later on.
6. In reply they said don’t worry we shall get those filled up later on and asked her to put signatures on the blank forms. While putting the signatures she says that there are bundle of papaers what sort of the scheme you have. They told that don’t worry we will not wrongly guide you. On their assurance she put signatures on blank papers.
7. When she demanded the copy of papers. They told that according to our bank’s policy we don’t give any paper or document on the spot will provide the papers to you later on. She said as I shall go back to U.S.A.shortly. They promised to dispatch the papers at U.S.A’s address.
8. She got the papers after 6months time. In the documents there was a ICICI bank’s cheque book and a receipt of ICICI Prudential. She astonished to get the documents as she had not opted for any sort of Insurance plan. As she could not understand what are those documents.
9. She made a call to the bank’s branch. The concerned officials don’t reply to her query.
10. In 2009 she came to India. She is running pillar to post to inquire about her funds from the last two months but no one is there to reply her.
11. Now the Bank officials says deposit Rs. 6 Lac in Icici Purdential if you like to get refund of your amount. On asking how much. She astonished to note that the Bank officials have made another fraud with her.
12. The Bank officials told her that she has withdrawn Rs. 1 Lac from her account. She got cheque book after six months. How she withdrawn Rs. 1 lac from her account.
13. The fraud one they transferred Rs. 2 Lac to ICICI Prudential by dodging her. When no policy no scheme no talk of insurance has been done. Second withdrawn Rs. 1 lac fraudulently from her account.
14. On 3rd March 2009 she complained to Police to investigate the matter but nothing has been done so far.
15. On 23rd March 2009 her statement has been recorded but no action has been taken so far.
16. She extended the return ticket to U.S.A. twice. But nothing has been done so far.



DOCUMENTS SUBMITTED:

Mrs. Shimla Devi has submitted the following documents:

1. The copy of receipt of deposit of Rs. 3 Lac in Icici bank, Phagwara branch dated 2nd April 2005.
2. Copy of Application lodged with Phagwara City Police dated 3rd March 2009.
3. Copy of ICICI Prudential’s receipt dated 24th May 2005
4. Copy of letter dated March 4, 2009 issued by ICICI Prudential Life insurance Company limited, Product Name Life Time Policy number 01655282. Without any address. The helpline contact number[protected]MTNL/BSNL toll-free) but no body attend. Or you may write to us at [protected]@iciciprulife.com


ICICI BANK PHAGWARA’S CONSIDERATION:

1. Mrs. Shimla Devi has Lodged the complaint to the Phagwara Branch. But the concerned staff deny to receive such a complaint.
2. Mrs. Shimla Devi says I have deposited the amount in Phagwara Icici branch how it got transferred to Icici prudential without her consent.
3. ICICI’s officials Mr. Nitish Bansal and other staff members are harassing her.



It is requested to all to help her in this critical stage. Firstly the foreign national. Secondly the senior citizen who is running from pillar to post to get justice.



Rajneesh Madhok,

B-xxx/63, Nehru Nagar,

St. No. 2, Railway Road,

Phagwara-144401 (Pb)

Ph:[protected]O), 268210 ®,[protected]

Tele-fax;[protected], E-mail; [protected]@yahoo.com

Myself Dr. Neelam Kumari invested Rs.20, 000 by cheque no. 619817 dted 12.1.09 of
BOB Patna for Life stage assure policy at ICICI bank Patna after long discussion with B Manager(Mr. Alok M.No.[protected]).On 27th Jan I received certificate of LIFE TIME GOLD instead of life time assure .Immediately I contacted bank, they told me by mistake it happened I will correct it shortly. On 10th March I received certificate of LIFE STAGE ASSURE of premium Rs.10, 000 instead of Rs.20, 000. I become fade up with ICICI bank & sent an E-mail to customer service manager to cancel my policy & refund Rs.20, 000 same day.On 14th Mar I received an SMS that cheque of Rs.19286.58 has been sent to you thro courier.Rs713.42 is deducted for NAV loss for your LIFE TIME GOLD policy
Why my Rs.713.42 has been deducted? When it was due to bank official’s mistake. Is it not a case of cheating?I am mentally very upset with this behavior of ICICI bank.


Dr. Neelam kumari
Adarsh colony
West patel Nagar
Patna-23
M. No.-[protected]

My freind made a transfer from Saudi Arabia to my NRI account in india INR58, 747.50.

So many I send request to transfer money to my correct account but still ICICI is sitting without replaying. Below is email sent by SABB bank to ICICI som many time. ---

"
Please refer our payment order dated 08Sep08 for INR58747.50 under ref TT CPMF36776 in favour of Kamaljeet Singh account number[protected] with ICICI Bank, Punjabi Bhagh, New Delhi.

We have been advised that ICICI Bank has not credited the funds to the beneficiary account so far due to beneficiary account and name differ. Therefore, at the request of the remitter, please send a message to ICICI BANK to amend the beneficiary account number to read as[protected]. All other details remain unchanged.

Kindly confirm the date amendment applied and avoid all possible duplications."

and from HDFC ( Middle bank of SABB in India )to ICICI

"Indialink HelpDesk" <Indialink.[protected]@hdfcbank.com>
02/03/2009 01:59 PM
To
"bakul.[protected]@icicibank.com" <bakul.[protected]@icicibank.com>
cc
"[protected]@sabb.com" <[protected]@sabb.com>
Subject
RE:'HBL=[protected]' Fw: Memo: Re: AMENDMENT - TT CPMF36776 FOR INR58747.50






Dear Mr Bakul
As per our telephonic conversation we would like to inform you that we had issued a draft on 11.09.2008, draft no 481981, draft amount 58747.50, Beneficiary name Mr Kamaljeet Singh, account number[protected] with ICICI Bank, Punjabi Bhagh, New Delhi.
We have been advised that ICICI Bank has not credited the funds to the beneficiary account so far due to beneficiary account and name differ.We have also sent the information through Fax,
We would request you to amend the beneficiary account number to read as[protected]. All other details remain unchanged


Request you to please provide the credit to the customer and confirm to us once done.

Warm Regards,
Mohit Dhawan.
Client Service Desk.


Somebody can tell me what action I can take.

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