ICICI Bank Complaints & Reviews

: I HAVE RECEIVED A CHE.NO.360530/13.12.06 FOR RS.26400/- from icici bankltd TOWARDS LOAN AGAINST MY CREDIT CARD WHICH IS TO BE REPAID IN 24 INSTALMENTS AND REQUESTED ME TO PAY FROM FEB2007 ONWARDS(PRIN-26400+INT 4752 & ST 585 =31737 TO BE PAID).THE INTEREST ON IT IS 4752 FOR 24 MONTHS . NO AMORTISATION SCHEDULE WAS SENT TO ME. THEREFORE I USED TO PAY THE DUES IN THE MONTHLY STATEMENT AND COMPLETED THE ENTIRE 24 INSTS AS RS.26400 +INT 76072+ST585=34592 I.E I HAVE PAID AN EXCESS AMOUNT OF RS.2855 IN EXCESS OF THE TOTAL AMOUNT OF PRINCIPAL +INTEREST +ST .EVENAFTER COMPLETING THE PAYMENT MR.VENKATAKRISHNAN OF RAMNAGAR BRANCH, CBE IS TORTURING ME TO PAY RS.20000 AND BLOCKED MY SB ACCOUNT .Then I met him AND PRODUCED THE DETAILS OF PAYMENT TO HIM. HE SAID TO RELEASE I HAVE TO PAY RS.2600 ACCORDINGLY I HAVE AUTHORISE TO WITH DRAW THE AMOUNT FROM MY ACCOUNT. EVEN AFTER MY REPEATED REQUESTS THROUGH E MAIL, NO BODY IS INTERESTED IN SETTLING THE ISSUE. AGAIN LAST FEB HE HAD BLOCKED MY ACCOUNT AND WHEN I CALLED HIM TO KNOW THE REASON, BUT HE TALKED VERY HARSHLY AND HESITATE TO MEET ME AND ASK ME TO MEET MR.RADHAKRISHNAN . HE HAD ALSO ASKED ME TO PAY RS.2600/- THEN I HAVE AUTHORISED TO DEBIT THE SAID AMOUNT ON 06.02.2009 . THE TOTAL AMOUNT PAID BY ME IS RS.37192 FOR THE AMOUNT OF LOAN RS.26400/-. THAT MAN IS TILL GIVING TORTURE BY SENDING THE SMALL BOYS AND THAT BOYS ARE SHOUTING INFRONT OF THE OTHERS AND INSISTING ME TO PAY 20000. WHY YOU PEOPLE ARE MAKING TORTURE WHEN I HAVE DEFAULT IN PAYING THE INSTALMENT CORRECTLY. CAN U ABLE TO TORTURE THE HIGHER UNPAID PEOPLE WHO IS CHEATING .MY FAMILY IS DEPENDING ONLY MY INCOME.PLEASE TREAT THIS MOST URGENT. HIS NUMBER IS [protected] . HOPE YOU WILL UNDERSTAND MY GRIEVANCE. I NEVER CHEAT ANYONE EVEN THE BANK.

IT IS QUITE SURPRISED TO RECEIVE SUCH TYPE OF IRRESPONSIBLE MAIL FROM THEIR END AND INSISTING ME TO PAY MORE THAN 20000/-. THE INSTALMENT TO BE PAID INCLUDES BOTH THE INTEREST AND SERVICE TAX. THE LOAN HAS TO REPAY IN 24 INSTALMENTS. IN SUCH CASE WHERE IS THE QUESTION OF MINIMUM DUE WILL ARISE? IF I PAY THE INSTALMENT ON 1ST OR 5TH OR 15 THE OR 7TH DURING THE MONTH, THEY ARE CHARGING PENAL INTEREST. TILL DATE I HAVE PAID 37192/- FOR THE LOAN RECEIVED AMOUNT OF RS.26400/- DO WISH FOR REPAYMENT OF RS.26400, I MUST TO PAY 57000/-. I.E DOUBLE TIME OF THE AMOUNT RECEIVED ? DO WISH ME TO PAY THE BALANCE. WILL YOU LIKE THIS. ARE YOU READY TO PAY FROM YOUR PACKET IF SOMEONE CHARGED LIKE THIS.

EVEN AFTER MY REPEATED REQUEST TO MANY PEOPLE AND VIA MAIL, NOBODY IS INTERESTED IN GOING THROUGH THE ACCOUNT AND SETTLE THE ISSUE.
WHEN ON THE TELEPHONIC CONVERSATION, ONE MR.VENKATESH SAID THAT HE WILL CHECK THE ACCOUNT AND COME BACK TO ME. BUT WITHOUT GOING THROUGH THE ACCOUNT AND WITHOUT KNOWING THE NATURE OF THE TRANSACTION( IT IS NOT A CREDIT CARD DUE BUT A LOAN TO BE REPAID WITH INTEREST) HOW CAN THEY ASK ME REPAY THE BALANCE. DO YOU THINK THEY THOUGHT THAT I AM A FOOL T O PAY WHATEVER AMOUNT DEBITED TO MY LOAN ACCOUNT. NO SUCH BANK IS DOING LIKE THIS. BEFORE CALLING A CUSTOMER FIRST GO THROUGH THROUGHLY THE STATEMENT RIGHT FROM THE BEGINNING TO TILL DATE.

I AM THE ONLY BREAD WINNER OF MY FAMILY. AGAIN AND AGAIN HE IS TORTURING ME AND MAKING ME TO COMMIT SUICIDE.

I DONT KNOW HOW TO OVERCOME FROM THIS ISSUE

http://www.icicibank.com/pfsuser/cards/creditcard/more_cards.htm
Link is showing "contect us " does not work. I mean system do not accept compalain on line.

i am having ICICI bank savings account from the past 51/2 years.i applied for icici bank credit card online from bank's website.later a customer care representative called me and verification process was done.but i did not get any communication from them.after waiting for some weeks i mailed my ICICI bank manager giving my appliaction refernece no.he replied me asking for my douments required to ICICI bank Chandivali, mumbai address.i sent them through courier .but still there was no reply.again i mailed my bank manager .to my surprise he says my appliaction is rejected and reason for the same could not be disclosed.but i came to kno was per law there are supposed to disclose the details. i would like ICICI to respond to my case .my credit card application no is[protected].

dear sir,
i miss shilpa chodankar was employee of icici prudential group and was offered the corporate gold card. the card bears the no [protected] of which the issue date is 01/08.
as per the credit limit available 30, 000 i made a purchase transaction at jayesh jewellers of rs 29, 500 on 10th jan 2009.
since i had the intentions to purchase this gold on my credit card prior to doing this transaction i gave a call to the call center and inquired about the total credit limit for purchasing and whether i can convert it in EMI or no. as per the information given i cleared the previous balance and made the transaction on 10th of jan.
immediately next day i gave a call to the call center mentioning that i want to convert this transaction into EMI. so the executive told me i will have to call after 7 days since they recieve the update after 7 days.
after 7 days i when made a call the executive told me that my request will be processed and i shall recieve a confirmation call for the same.
since i did not recive any confirmation call i called occe again on 19th jan 2009 to confirm the same. i got the information that it will be done for 24 months and EMI will be 1430rs and initially in the month of feb2009 i will have to pay rs 660 only.
2 days after this call i recieved a call from the chennai center 2 boys were on the phone one after the other they spoke. the message what they gave me was that " this is a confirmation call for your request for the transaction to be converted into EMI has been proceessed and you are given 24 months EMI facility. and EMI will be 1430rs and initially in the month of feb2009 i will have to pay rs 660 only. "

but now when i recieve my statements and i recieve phone call from the recovery they are telling me that the transaction is not being converted into EMI.

so i request you to look into this matter and do the needfull. i was actually waiting for my phone call history to come and then register this complain. but as days are passing i thought of doing this first.

i request you to give me the EMI facility as i cannot afford to pay such huge amount at once. and as it is i am jobless suffering of reccession.

at the most i can arrange for the EMI amount every month.
ki8ndly do the needfull.
for further correspondence i am providing my contact details.

address: h no 433
sastiwada mayem
bicholim goa
pin 403504.
phone : [protected]
[protected].

thank you.

Hi,

This is Atul, I am using ICICI account from past 5 yrs but I nvr come across such a things and charges ever in this term, But I came to US for official work past 6 months, and as I seen my account info ..They deducted some 800+ rupees from my account two times for QBR charges, ..
also In the month of Septeber 2008 they charges me 600 rs for check rejection and mentioned as No sufficient fund was available, for the check of 1200 rs I paid 1300 for ICICI and Standard charter Bank, Standard Charter Banl credited back the amount after having discussion, But ICICI bank has not credited the amount on my credit card yet after giving return complaint also.
I never paid for any late payement charges and all...why its happening after such a long relationship with ICICI.
I am just posting it here thinking that something will happen and next time they wont do it again...as I cant track record and contact customer care here from USA.

Looking for your help

Thanks
Atul

I am low salaried person facing financial problem in my family. I want to complain about the cash amount stolen from my bank account. A month before I got a call from ICICI bank calling agent reagrding loan. He offered me a Personal loan of 2 Lacs on behalf of my salary. I got agree & submitt the documents asked by him. I also gave him 5 blank account payee check. He said that he will fill the company name in cheques himself. After three days of submitting these doucument I come to know that Rs.11000/- has been debited from my account via one of the cheque which I gave as PL docs. He stole my salary of the month in a moment. This month I have no money with me & I have a lot of debts over my head.
I report a FIR to the nearest Police Station & made the stop payment of rest cheques. After the investigation on the numbers from which I got call, I come to know that their is no such person of this name in the bank. Now I am wondering to the Police station's & Banks to get my money back but I have not received any proper response from any side. Its already 10 days has been passed & I am still struggling to get my money back. And I do not think so that any one is able to help me in this case.
I am drafting this mail to let you guys know that do not take any thing on phone & do not submitt your documents to any unknown person. Do the complete verification of the person from the respective company or branch & then only submit the docs. Also take a copy of ID proof of the guy to whom you are submitting the documents. Fill the company name in the cheques yourself. Don't let anyone [censored] you like me.

For any comments revert me at - [protected]@yahoo.co.in

Dear sir,

I availed a loan for 6.5 lacs from ICICI home finance, Bhubaneswar office which is to be repayed in 5 years (60 instalments). This is a loan based on floating rate of interest. My loan was disbursed by 1st week of Feb 09 with EMI at 11.5 % which was higher compared to ICICI home loan interest. I made a complaint to the bhubaneswar branch Regional Credit Manager but no response from him. He didnot even bother to receive my calls. Now in March 09 my EMI is debited at same 11.5% interest.

I checked on 26th feb 09 with ICICI Bank in Chennai and understand that the home loan above 5 lacs is now 10%. Immediately i informed the Regional Credit Manager for rectification of my rate of interest and EMI but he didnot bother to take any action.

I am totally pissed off with the attitude of the ICICI home finance guys and terribly disappointed with their response and behaviour. I dont know how this company exist in this present competitive world.
I now understood that there is no one in this company who is bother to look at the customer's complaints.

Guys

Anyone having complaints against ICICI, pls use following details

1) ICICI contact details

chanda.[protected]@icicibank.com, kamath.[protected]@icicibank.com, [protected]@icicibank.com

2) RBI contact details

[protected]@rbi.org.in, [protected]@rbi.org.in [protected]@rbi.org.in

3) Media contact details

[protected]@thehindu.co.in,
[protected]@THEHINDU.CO.IN - mail should be marked READERS MAIL And must carry full postal address of the sender.
[protected]@vsnl.com
[protected]@indiatimes.co.in
[protected]@business-standard.com
[protected]@moneycontrol.com
[protected]@expressindia.com
[protected]@ibnlive.com
[protected]@abpmail.com
db.[protected]@deccanherald.co.in
[protected]@deccanherald.co.in
[protected]@moneycontrol.com,
http://www.moneytalk.in
http://WWW.CONSUMER-VOICE.ORG
[protected]@moneylife.in

Bombard everyone of them with your complaints.

Offcourse complain should be genuine and let us not sit and crib if we have solid case

My name is sahil beri, i have an ICICI credit card whose number is:[protected], and last yr i was forced by the tele caller Mr.Shankar to opt for auto debit facility of my vodafone postpaid number, the due date for the same is 23 of every month, and i was told that the amount will be deducted on 18th of every month, but every month i am being charged on 11 th and evertime i call icici customer care and ask them about it, they ask me to call vodafone cust care and when i call vodafone cust care, they ask me to call icici customer care but no one provides me a satisfactory answer. now i have a bill dispute with vodafone, for which i called the icici customer care to stop the payment of the number for this month, then the agent told me that today is my due date of paying the bill and so the bill has been processed where in i was shocked that the bill due date lies on 23 of every month. now they are not assisting me and saying that the bill has been paid, wherein i have not recieved any intimation from icici bank's side regarding the due date of my vodafone bill reminder. i need an explanation on this that why everytime my bill is being paid on 11th wherein the due date lies on 23rd. and moreover, are the customer care agents at ICICI bank just there to fool the customers not to assist them?for reference, i am attaching the snapshot of my vodafone bill as well

Pls find the follwing mail which i have sent several time that i have not used your card then why are you sending me mail for payment i m mently torcherd by bank mail every time whenever i open my mail i have got scared again icici send me mail for payment which i never used if you can i have nevr used icici bank card my after all due what i supposed to pay i paid .
Pls read the following mail you can understan my probelm with icici bank due to this tention i always loose my control from my mind

--- On Tue, 12/9/08, najaf TABU <[protected]@yahoo.com> wrote:

From: najaf TABU <[protected]@yahoo.com>
Subject: Re: 'ICICICARE=[protected]' Credit card
To: "Customer Care" <[protected]@icicibank.com>
Cc: [protected]@core.nic.in
Date: Tuesday, December 9, 2008, 5:38 PM

To

another mail

To: "Infinity Account Manager" <[protected]@icicibank.com>Cc: "[protected]@core.nic.in" <[protected]@core.nic.in>Kindly go through the following mail which is sent on 2nd '09 . again icici bank asking me for payment.kindly revert to me asap... Dear Mr. B DURE NAJAF

Payment on your ICICI Bank Credit Card account no 4477 XXXX XXXX 6009 is due on 06/01/2009. You may choose to pay the total bill amount of Rs. 2457.28 or the minimum amount of Rs. 450. Please ignore this message in case your payment is already made.

Regards,
ICICI Bank Credit Cards Team.


--- On Wed, 12/31/08, Infinity Account Manager <[protected]@icicibank.com> wrote:

From: Infinity Account Manager <[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Credit card
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Wednesday, December 31, 2008, 6:30 PM

Dear Mr. Najaf, Wish you a very Happy and prosperous New Year !
At the outset, we are extremely sorry for the delay in responding to your e-mail. We request your co-operation.

We inform that your credit card account was zeroised by reversing all the charges and there is no outstanding pending in your credit card account.

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

Sincerely, Preeti smitaCustomer Service ManagerICICI Bank Limited 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: najaf TABU ([protected]@yahoo.com)
Date: Wednesday, December 17, 2008 09:32 PM
To: Customer Care ([protected]@icicibank.com)
Cc: [protected]@core.nic.in ([protected]@core.nic.in)
Subject: RE: Credit card i dont need to pay icici bank any coin also i paid what ever i used and we dont have any information like that when we paid your all amount the how can it posible you will genrate new bill with charge also i am not using your card so cant force me to pay any extra charges aftersevral time trying your call center no taking so much our time and we are professional we will see you soon in court also this matter i am taking to midia as well consumer court...


--- On Tue, 12/9/08, Customer Care <[protected]@icicibank.com> wrote:

From: Customer Care <[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Credit card
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Tuesday, December 9, 2008, 7:51 PM

Dear Mr. Najaf, For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com We sincerely sorry for the inconvenience caused to you. We have attached the statement for your reference We inform you that as per the bank policy Rs. 100.00 has been charged from the June 01, 2008 onwards, for the cash payment for the credit card at the branches Late Payment Charges will be levied in the following cases: · When we do not receive payment of minimum amount outstanding before due date · When payment made is less than the minimum amount outstanding · When payment of minimum amount outstanding is credited after due date. When minimum amount outstanding is credited before due date of that statement, late payment charges will cease to apply.As per card holder manual, interest charges are accrued if you make a payment for minimum amount outstanding or a payment less than total amount outstanding or if no payment is made.

If total amount outstanding is paid before due date of a statement, interest charges will cease to apply immediately.

Interest is charged based on the following criteria:

· On the transactions in previous statement from the respective transaction date till the statement date

· On the total amount outstanding from the statement date till the part payment date

· On the remaining amount outstanding balance till the next statement date

· On the fresh purchases done thereafter, till the next statement date.

Rate of interest is 3.4% is applicable for your ICICI Bank Credit Card whenever a part payment is being made and for any cash withdrawal.
We request you to make the payment at the earliest. Sincerely, Sampath KumarCustomer Service OfficerICICI Bank Ltd ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 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: najaf TABU ([protected]@yahoo.com)
Date: Tuesday, December 09, 2008 06:01 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Cc: [protected]@core.nic.in ([protected]@core.nic.in)
Subject: Fw: Re: Credit card

--- On Tue, 12/9/08, najaf TABU <[protected]@yahoo.com> wrote:

From: najaf TABU <[protected]@yahoo.com>
Subject: Re: 'ICICICARE=[protected]' Credit card
To: "Customer Care" <[protected]@icicibank.com>
Cc: [protected]@core.nic.in
Date: Tuesday, December 9, 2008, 5:38 PM

To
The icici bank
Credit cards division

From
B Dure najaf
Door No.427/5 royal enclave
M block, Anna nagar e
Chennai- 600 102.

Sub: Quicker action expected to cancel unwanted charges to continue with the credit card without any hindrance.

Im holding credit card no. [protected] and im sure I dint use my card since July. also i have paid whatever due you send through bill But somehow im getting statement which insists me to pay. I have mailed earlier regarding the same but still im getting charges on charges which im not liable to pay. If I have made any purchase please do let me know, otherwise it¶s a nuisance which im facing which upsets me and Im wasting my time over this. Henceforth, if im not receiving any correspondence from your side to clarify this issue and instead if im receiving statement with such charges then we¶ll sort out this issue in consumer court. If your not co-operating then im sure we will settle in court.


Regards,
B Dure najaf


--- On Sat, 12/6/08, Customer Care <[protected]@icicibank.com> wrote:

From: Customer Care <[protected]@icicibank.com>
Subject: 'ICICICARE=[protected]' Credit card
To: "[protected]@yahoo.com" <[protected]@YAHOO.COM>
Date: Saturday, December 6, 2008, 2:29 PM

Dear Mr. Najaf, Due to non receipt of the credit card amount your credit card account was permanently deactivated. As on date the total outstanding due on your credit card account is Rs. 1, 972.41 . As your card account has been permanently de activated we will be unable to reverser the financial charges on your credit card. We request you to make the payment to avoid further charges on your credit card account. Sincerely, Sridhar B
Customer Service OfficerICICI Bank Limited ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 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.


From: "Customer Care" <[protected]@icicibank.com>Add sender to Contacts To: "[protected]@yahoo.com" <[protected]@YAHOO.COM>Dear Mr. Najaf, Due to non receipt of the credit card amount your credit card account was permanently deactivated. As on date the total outstanding due on your credit card account is Rs. 1, 972.41 . As your card account has been permanently de activated we will be unable to reverser the financial charges on your credit card. We request you to make the payment to avoid further charges on your credit card account. Sincerely, Sridhar B
Customer Service OfficerICICI Bank Limited ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 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.



To: [protected]@YAHOO.COMPlease add customer.[protected]@icicibank.com to white list/safe sender list. Otherwise, your mailbox filter or ISP may stop you from receiving your e-mail statement.



Dear Mr. B DURE NAJAF

Payment on your ICICI Bank Credit Card account no 4477 XXXX XXXX 6009 is due on 06/02/2009. You may choose to pay the total bill amount of Rs. 2212.87 or the minimum amount of Rs. 120. Please ignore this message in case your payment is already made.

Regards,
ICICI Bank Credit Cards Team.


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

This is a system generated mail. Please do not reply back to this email ID. If you have a query or need any clarification you may:

(1) Log in to your account online and write to us through Accounts Manager,
(2) Visit the 'Email Us' link at www.icicibank.com to send us an e-mail or
(3) Call our 24-hour Customer Care

Discover a new way of paying your Credit Card bills from your bank account anytime anywhere by using ICICI Bank iMobile. GPRS users, SMS iMobile to 56767661. For details, please click here.

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

CONFIDENTIALITY INFORMATION AND DISCLAIMER
This email message and its attachments may contain confidential, proprietary or legally privileged information and is intended solely for the use of the individual or entity to whom it is addressed. If you have erroneously received this message, please delete it immediately and notify the sender. If you are not the intended recipient of the email message you should not disseminate, distribute or copy this e-mail. E-mail transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, incomplete or contain viruses and the ICICI Bank accepts no liability for any damage caused by the limitations of the e-mail transmission.
Bank Victim
Dure Najaf
[protected]

Dear Sir,
Pls find the below mails of my chq deposit 20 days before at icici bank br and i have lost dealof 30L also i have received mail from icici after several timing visiting branch till date i have not receied any answer from bank they apponting people but geven them traning like chaya bala or mungafally wala they bank officer does know how to handle customer and hwen they shall answer the quary icici bank taking customer graanted ihave banking with past 8 yrs and every time we are not getting good services from bank.Icici bank just not slaping customer after asking several time to the bank banking not taking any action .i would like esclate my issue to the core even i have sent msg to core dept of indian gvt but till now i have not received any answer from both side this is the bank doing practise with indiam citizen and same kind of practise in any part of world what action what my indian gvt doing...they are not at all very abt indian consumer.

Monday, 9 March, 2009 6:17 PM
From: "v vikky" <[protected]@yahoo.co.in>View contact detailsTo: "ICICI Bank Customer Care" <customer.[protected]@icicibank.com>Cc: "complaints" <[protected]@core.nic.in>Dear Sir,

Pls find below mail regarding miss managment of customer bank instrument which is value of 49000 after calling bank customer care dept and sending mail i have not recieved any answer from bank aFTER SO MANY DAYS bank sent me mail which you can find the below mail since bank always says whenever you deposit chq in bank you you should write all communication detail

my qus is when i deposit my chq no 366224 at trichy contunment branch why no bank officer geven me call after several days i only went there and told everything to trichy bank officer she said she will call me revert back but till date that bank officer didnt call again i called to bank customer care they said within 24 hrs i will get credit in my a/c but no reply from them again i called up the also noanswer from then then i send mail then i have received reply that is below in that they have not mentipon anything i mean what is reason chq got retrn .then again i called befoe wrting this mail then also the concern bank offier didnt said any thing after weasting my 30 mnts of time, is this is the way bank got lices from rbi to cheat india citizen .
ICICI bank never have fare practise towards customer even i serve icici 5 yrs but there is no customer satisfaction there employee cheet customer
due the following problem i have loss of 30 L
Kindly justice for me and save this country from these kind of bank customer
I m the professional working with MNC company as Area Manager taking care of 4 branch and you can see the time of my mail i m given my rpoductive time to shorting out my problem which by default should come icici bank
And if you will not take aqction then i will go to court to hinder my justice
Bank victim,
v.vikram ved
[protected]
--- On Sun, 8/3/09, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:


From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' R no. 98834791
To: "v vikky" <[protected]@yahoo.co.in>
Date: Sunday, 8 March, 2009, 4:33 PM


Dear Mr. Ved,

According to our records it show that the cheque 366224 got returned and dispatch to your communication address updated in our records on February 27, 2009 and it got returned to us and sent to ICICI bank branch where you hold the account since consignee shifted.

We request you to visit ICICI Bank branch where you hold the account to collect the returned cheque.

Sincerely,
Md Akbar
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.

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: v vikky ([protected]@yahoo.co.in)
Date: Saturday, March 07, 2009 02:48 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: R no. 98834791

Dear Sir,


With the reference of A/c No[protected], I have deposit chq 49000/-

at Trichy cantonment road Br chq no 366225 bank neme Allahabad bank dated 20th feb'2009.Since that day on wards i am jus running behind the bank br and customer care no 42088000 after several time i wasted my time with concern bank as well customer care dept till date i have not received my money in my a/c which the effect of loosing my social commitment my SR no 98834791 which is given by customer care dept officer moreover my respect in society as per banking rules any chq which is related to the same city will not more then 2 t3 days as my case i have lost 17 days and dont know when i will get back my money even i have made con call with bank officer from client who is given all detail concern officer gave promise and said within 2 to 3 days fund will come in my but till today they are not able to trace out where is my chq i m very disappoint also loose deal worth of 30 L for my business due nonpayment of down payment. Kindly do the justice of my case

Regards,
V. Vikram Ved
[protected]


[protected][protected][protected][protected]
Add more friends to your messenger and enjoy! Invite them now..

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

Search Mail

Dear Sir,

With ref to the above I have paid Rs.5000/- on 31.07.08 and the agent has given a receipt attested as full n final settlement and his name is Mr.S.Karthick.After this too I was receiving statements and reminder calls for payment which was agonising and a major nuisance.Hence this was continuous nonsense.Later what they did was to autodebit my savings bank account :[protected].This account has already been connected with a Loan EMI being autodebited for Rs.9051 every month.(LPCHE[protected]).As the credit card company had already swindled Rs.2000/- from my account last month and again this month they have wacked Rs.1240 /- my emi amount got reduced, hence loan emi got bounced.which did not occcur in my banking experience till date.My banking records are clean and till now in my history nothing has got bounced, which is ridiculous, shocking and weird.

I would like to you to help me in this regard and reverse the amount which was autodebited without my permission into my account.As of now my balance shows Rs.8441.75 but I am unable to draw the same, which leads me to close the account as my experience with this bank is threatening and its day time burglary.I am a patron client of yours for more than 10yrs, if I am experiencing such a situation, then imagine the other crowd.I pity the people who hold accounts with you.

Kindly help me in this regard and oblige.

Regads,


D.R.Jayalakshmi

Hi All,
This is to bring to your notice that I have been in constant communication with ICICI Bank with regards to Fraud Detection on my Credit Card number [protected] in the month of June 2008 for approx. Rs. 44, 000/-. I have been referred to different people and I politely did what was told to me by the authoroties involved with this case. However today (28th Feb 2009)the entire amount was debited from my Salary Account and I did not get any salary (My salary of Rs. 22081/- For the month of February ). Apart from this my account still has a deficit of approx Rs. 40000/-
I have mantained very good relationship with the bank with regards to all my transactions. I have paid my Loans (Loan A/c No. LPMUM[protected]) and EMI’s before time on this credit card as well. I was told to wait for this issue to be rectified every time. However after some time; they kept referring me to different people. Today I was asked to contact Mr. Malviya from chargeback team and I was informed that he works from 10:00 AM to 06:00 PM. I confirmed the same as it was a Saturday and the person from customer care on the phone said Yes, he would be available. After visiting his office in Andheri at 04:00 PM; I was informed that he is not availabale as the office hours are till 02:00 PM. As there was no response from the bank; I decided to lodge a complaint against the same in Goregaon (W) police station on 21st Feb 2009 because all these transactions were in June 2008 and it is 8 months now that there is no action taken on this. Only action taken by the bank is to send recovery agents to collect this money.
The reason I am writing this mail is because after sending so many Email’s; Faxes and couriers to different people from the same Bank; my issue was never fixed and today you debited my salary Account. This is more than just Mental torture to any individual. As I understand the bank should not charge the customer for any disputed amount until and unless that case is closed. I have all the documents with me and proof of all the documents that I sent to the bank. I request the RBI ombudsman team to look at this seriously as early as possible. Please revert for any documents that might be required.
For all the people listed above; please co-operate with me and help me to fix this at the earliest.

Regards
Aslam Sheikh

Dear Sir/Madam,

Most Humbly and Respectfully say that i am Mritunjay Kumar, Account Holder of Your Bank.My Account No.is[protected], (Fort Mumbai Branch) Actually i talk to Your Customer Care But still i do not get My actual User Id and Password of My Account for Internet Banking.

So Kindly i m requesting to u that Please send me User Id and Password.i will very Greatful to u.

Mritunjay Kumar(Sr. Manager)
Bisleri Company Ltd.
Mumbai, Andehri.

i had lost Rs. 16140 from my a/c thru a fraud transaction. i came to know about the samt thru sms that your acct. has been debited by rs. 16140 at 9.30 AM on 17.04.2008 and transection time was about 4:30 AM, same time i check my account online and find this trasection have been done thru bill junction, after this i called customer care and tell them this is not done by me even i don't have knowledge abou it. they the same email asking to verify which i foolishly did and gave my login id and login password to 2 to 3 weeks but nothing happen than i called again that they said you might have purchase or made any bill payment online but it was not true. after that i was countinously communication with the bank and branch even i lodged the complaint in police and summit the copy of the same but no action taken by the bak in 8 months, after this i received first responce thru email by bank that you might have disclosed your account details to some spam mail that why we can't reamburse your claim. But what surprises me is that i never gave my transaction password to anybody and still the fraudster could transfer funds from my a/c !Now look at it closely if your transaction password is protecting you and your money can not be taken from you even if your account details are revealed to the fraudster.The fraudster can never ask for transaction password untill they produce a fake copy of your account page which is impossible unless the has hacked the bank's server. I know that there are many people who have been blamed by the banks for their own loss of money but question remains - can this be done without an insider?

* even they are not ready to provide me benifiasiory name.
* i found payment has been transfer in account of tech process solutions Ltd. which is icici bank venture co.
* as per my obsevation they do intentionly, now only the option move to consumer court whare you can get the justis

I made part payment of Rs. 90, 000/- to ICICI Bank Home Finance, Chandigarh against my home loan account No. LHCHD[protected] vide reciept no. O[protected] dated 20.09.2008. When enquired on 18.02.2009 it is found that they have not deducted the part payment of Rs. 90, 000/- from the loan amount and charged interest on full amount for year 2008-09. I requested ICICI Bank HFC Chandigarh to settle my grievance and adjust the part payment of Rs.90, 000/- and not to charge the interest on full amount but all in vain. kindly take suitable action against the bank and direct them to settle the issue immediately and refund the excess amount charged by them.

Dear Sir,

Ref:- CREDIT CARD NO.[protected]

I am having the above credit card. I have paid Rs.1000/- as full & final payment of by dues. Yours have also issued me that there is no amount due from you after realisation of the above cheque. However my name appears in the CIBIL for default in making the payment.

I therefore request you to kindly remove the name from CIBIL.

Thank you,


ARUNKUMAR PARASRAMPURIA

I have taken home loan from ICICI Bank with interest rate of 7.75% with floating rate in Dec. 2004 for 15 yrs tenure.
Loan Amount-320000rs, EMI- 3013rs, Tenure- 15yrs.
Now, periodically when the interest rates went up they increased my floating rates.
And today i am paying with interest rate of 13.25%. for 26.8yrs with increase in tenure & even EMI.
Loan Amount-320000rs, EMI-3447, Tenure- 26.8yrs.

Now, the main story...
when the market came down from last 6-months they are offering interest rate of 11.5% & surprisingly they are offering for only new customers to attract them.
I am still paying with 13.25% interest rate. Nothing has happened even after visiting the bank.
They have their policy when the interest rates go up they increase it but when the rates come down they don't lower it on floating rates for OLD CUSTOMERS. So, what is the meaning of floating rate we take...
This bank never told me clearly about their policy while lending loan.

I HATE THIS BANK POLICY
SO NEVER TAKE A HOME LOAN FROM ICICI BANK LTD!!!

Regards
Navneet

I changed my mobile number in early Jan 2009 and immediately registered it with NDNC DND (do not disturb service).

Subsequently, I updated my number with ICICI Bank where I have my SB account and also hold their credit card.

As soon as ICICI got hold of my new number, they have shared this internally and using it extensively for their internal telemarketing calls.

The last call I received from them was on 6 March 2009 at 17:09 hrs from number[protected] when I was in the midst of a very important company meeting.

My mobile number is [protected] (Airtel - Karnataka).

This is not acceptable and authorities should take strict action against ICICI Bank by way of penalty and compensating me for causing unprecedented damage to my business transaction meeting which was interrupted by their telemarketing call.

Regards
Suman Pal

Hi,

ICICI flotaing rates are actually not flotaing...my rate is around 13.5% when the floating rates are around 9.5%. ICICI is a big cheat and manage this cheating by giving variation in discounts on the PLR & thus for new users give more discounts while not reducing the PLR. This results in old home loan users at the older lesser discounts and new users at the higher discounts.

Later when you ask them, they suggest that user should pay some amount to get to the new discount rates which anyway after some time will match back to the higher rates. So even if you pay some % of peicipal now..slowly these cheats will make sure your rates go back to the higher level.

ARE THEIR ANY GUIDELINES FROM RBI AGAINEST THESE CHEATS, OR RBI IS SOMEWAY BOUGHT ON TO THIS CHEATING.

THESE PEOPLE ARE WORSE THEN THE MILKMEN WHO MIX WATER, ATLEAST THEY SAY THAT THEY MIX IT. HERE THESE SO CALLED MBA GRADS FROM TOP OF THE MANAGEMENT SCHOOLS CHEAT PUBLIC AND DO NOT ALSO CONFESS AND MAKE USE AL LEGAL LOOPOLES IN THE SYSTEM AND PUNISH LOW ABIDIDING COMMON PEOPLE.

THIS IS ONE OF THE BIGGEST FINANCIAL FRAUD OF MODERN TIMES AND THERE SHOULD BE STRICT GUIDELINES TO DEAL WITH THIS AND PUNISHING SUCH FRAUD BANKS FOR THE PAST.