ICICI Bank Complaints & Reviews

Date: January 5, 2009

Mr. K.V. Kamath,
Managing Director & CEO
ICICI Bank Ltd., ICICI Bank Towers,
Bandra Kurla Complex,
Bandra East,
Mumbai 400 051.

Dear Mr. Kamath
Ref: [Car Loan LADEL[protected]/House Loan LBDEL[protected]]

I write to you today to convey my utter annoyance and concern at the manner in which my reputation and credibility in the market has been tampered with by ICICI, and to request urgent assistance to rectify the situation. If you care to investigate my account background, you will note I am a customer in good standing, I have always paid my monthly installments by the due date. Up until recently, I have always thought highly of ICICI, however the events detailed below have not only left me bitterly disappointed, but they are also incurring the Company not inconsiderable financial costs.

I applied for a personal loan from (ICICI, ABN AMRO and Barclay’s) and when an inquiry was sent to ICICI to verify my creditworthiness the bank was told that there is irregularity in the payment of my installment (Customer has held Home loan with ICICI, we are sorry to reject your personal loan application as “CIBIL reject” over due in home loan) which resulted in non-sanctioning of my personal loan. However, this is not the case because the monthly installment
(Car Loan LADEL[protected] EMI 20461 House Loan LBDEL[protected] EMI 61000) on my car loan and home loan from your bank are paid on time and there has never been a complaint of non–payment or delay in payment. Due to this unprofessional behaviour on part of ICICI my creditability in the market has taken a jolt. It has not only effected me financially but has also been a reason for all the HARRASMENT and HUMILIATION that I have been made to suffer due to this highly irresponsible act of ICICI.

I am attaching the email sent from ICICI (Dated 09th December 2008) clarifying the reason of non-sanctioning of loan as irregular payment and the irony is ICICI has actually over-charged Rs.7019 on my home loan which they have accepted. My application number on Personal loan with ICICI was 60645650.

“We regret to inform you that the loan has not been approved on account of irregular payments track record in the past.
Currently, we are unable to fund you personal loan. However, you may re apply after 6 months”

Attachment 1

On requesting an explanation and rigorous follow-up to this, ICICI has sent another email (Dated 25th December 2008) clarifying it as under:

“ICICI Bank follows a policy of non-discrimination among applicants for credit facilities. However, we have a set of internal norms to screen applications. In line with global best practices in banking, we do not disclose the criteria for rejecting an application.”

Attachment 2

Is ICICI just trying to cover their irresponsible act????
On the other hand the Home loan keeps sending Email claiming there are no irregular payments and I have actually paid an extra amount due to a mistake.

Attachment 3

I trust you will look into the issues raised and advise me whether in fact it is ICICI protocol to provide inaccurate information about its customer’s financial standing and background, and whether your staff as a matter of fact is just too casual about such important inquiries. It occurs to me that had your staff accurately checked the status of my account, at anytime over the past months this situation would not occurred at all.

Though the above have been escalated to the following from an email option from the ICICI web site that claims to get the response with-in 10 business days but NO SATISFACTORY response have been received till date from either of the following:

Mr. H. Mehra,
Nodal Officer,
ICICI Bank Ltd.
ICICI Bank Towers,
Sandia Kurla Complex
Bandra East,
Mumbai - 400061

Mr. A. Kamani,
Head - Customer Service ICICI Bank Ltd.,
Now Heaven Enterprise Pvt. Ltd., 49
H, Parsi Panchayat, Road, Andheri (East),
Mumbai - 400069

Mr. Madhivanan
Senior General Manager, Service Quality,
ICICI Bank Ltd., ICICI Bank Towers,
Bandra Kurla Complex,
Bandra East,
Mumbai - 400051

I look forward to the prompt resolution of this matter and will wait until 15 working days before seeking help from a consumer protection agency or take any legal action.

Thank you,

Sincerely




Atul Gupta.
Mobile [protected]
Residence Number[protected]

Since last more than 3 months I am getting many calls from ICICI bank with asking the name of Kirit Suthar. I tell them more than 15 times, my name is this and your entered wrong number in your system. Pls. remove this number permanently. But they didn’t do this and still I am getting calls from ICICI. It may be some loan matter. That means if someone take loan or any benefit from bank and give someone’s number or fake no., bank people entered that no. in them system and harassing that fellow. What a rubbish system. HOWEVER I NEVER TAKE LOAN.
I noted down the following numbers where I am getting calls:[protected], 40814355, 67661000, 40340600, 41611399, 40814032, 28307777,[protected], [protected] and also some others that I couldn’t noted before. One day they did call me on Sunday when I was sleeping in the afternoon. These calls are really harassing me since long. I am working in MNC Company on senior level position and confidential section. These calls are really disturbing me frequently. My patience is over now.
I want to file a case on this ICICI Bank for million rupees. Can somebody guide me how to do that?

The Banking Ombudsman, Date : 05.03.09
Delhi, Haryana, Jammu & Kashmir,
2nd Floor, Reserve Bank of India Building,
6, Parliament Street,
New Delhi - 110001

Kind Attn. : Mr. P. Shimrah, Secretary

Sub. : Complaint of harassment against ICICI Bank
ICICI Credit Card No.[protected]
ICICI Bank A/c No. :[protected]

Dear Sir,

I am law abiding citizen and doing job with Convergys.

As a member of public, I am thankful to the Reserve Bank of India for issuing guidelines to the financial institutions i.e. HDFC, ICICI, Citibank, Standard Chartered Bank etc. in the matter of recovery of amount from credit card holders, who were being manhandled, harassed and humiliated in the past by the recovery agents resulting in suicidal steps by the sufferers as per news items appeared in the newspapers from time to time. In fact the consumer courts have also imposed fines on such financial institutions in its several judgments for harassing and torturing the innocent credit card holders.

I have now become a victim in the hands of ICICI Bank. In 2007, I got a Credit Card from ICICI Bank. After few days ICICI offered me an Insurance Plan which I refused to take. I never agreed to take that and I never got any papers for the same, not even the Medi Care Card or Lombard Card. After a month I requested them to stop my credit card account and take the card back as I have not used it (NOT EVEN ONCE). ICICI customer care advised me that in case you don’t use the card for the first three months it gets de-active automatically and if you don’t want it cut the card in two pieces and drop it in the ICICI drop box. I did what the customer care advised me as that was my first & last credit card; I have never used any credit card. This incidence happened in the year of 2007.

I thought the case was closed and I was satisfied because I never wanted to use the card and never got any statement for the same. To my surprise, on 2nd of February 2009, my account got debited with an amount of Rs.15, 000/-, I raised a complaint and the ICICI Customer Care explained to me that it was an error and they will credit the amount back within 8 days. I got the money back. But when I got my monthly Bank Statement for the period 7th Feb to 2nd March they have deducted Rs.17, 958 on 28th of February 2009 for credit card no.[protected]. I contacted ICICI Bank to clarify the charges (call reference No. SR[protected]. They informed me that these charges are for ICICI Lombard Insurance for which I never agreed and I never got any statement or correspondence. I have never received any intimation regarding the payment. To my surprise they have directly debited the charges from my account without my permission. I have never asked for auto debit.

I would like to inform you that prior to this no communication in the form of letter, e-mail has been sent by ICICI for payment of Rs.17, 958 and I never agreed for this Credit card or Insurance.

I request you to kindly help me in getting my money back as I am saving this money do to MBA.

I am sure justice is possible with your kind intervention as victimization on the part of ICICI Bank is apparently there.

Thanking you,

Yours faithfully,


Rajdeep Saan
1/14, First Floor
Tilak Nagar
New Delhi - 110018

Copy to:

The Manager, Customer Card/Credit Card, ICICI Bank

ICICI bank has provided me Credit Card of Centurion Bank of Punjab, CC No. [protected].
It was my bad times that i accepted that card. I was said that, the card will offer me 0.99% p.m. for
first six months, but never fullfilled me with that feature.
I used that card for 1 year, suddenly all communication was stopped by bank. After a span of period,
i got a statement mentioning the due for Rs.45000/-.
I wrote the above thing to bank, communicated with their representatives
regarding matter, but didn't got any positive response.
One fine day, my saving ICICI Account No.[protected] was blocked with amount Rs.30, 000/-.
Also Rs. 4500/- was deducted from my account against card payment.
Later i got call from Collection Department from ICICI Bank.
We came to one time settlement of Rs. 9000/- of which Rs.4500/- was already deducted.
The executive told me that they will provide me the letter only if i will pay
the remaining amount ie. Rs.4500/-. Also assured me that my saving account will be released.
On March 11 2008, i made the payment and got the receipt and Letter
from the Bank. (Copy Attached). Till today my account is not released, also my name is recorded
in CBIL bureau by bank.
I am just requesting them to release my account as soon as possible.
And to remove my name from CBIL Records.

All the proof and this letter are preserved by me.

Kindly go through the attachment, it contains all scanned copies of payment
proof with Settlement letter.

Waiting for Quick and Positive response from Bank

Sir/Madam,



I am please to inform you that I have salary account no.[protected] name of Vipin Saini in your ICICI Bank Ltd. G.K.-1, New Delhi-48.

My query is, day of Sunday on dated 01/03/2009 time 12.36 PM I was gone your Sadar Bazar Branch’s ATM for cash withdraw, but when I was put our debit card in your ATM machine and press the figure amount of Rs. 15000/- (Rs. Fifteen thousand) and machine was ask to me for accept this figure and it is after I pressed yes and then power been failure and machine was off and cash was not withdraw, immediately I was complain to attendant who were stand as security guard (Mr. Jagdish) of branch and forced for look this matter and he was suggest to me please complaint to ICICI Bank’s service centre, very soon I called up to service centre and launch the complaint no. 98512994 dt. 01/03/09 and service centre callers also assure to me that your money will be reversed in 24 hours. But still that payment not been reversed and still I have called many more time……..but still not any fruitful answer has been received from your side.



So, I request you to please look this matter on urgent basis and resolve.



Regds, Vipin Saini



ICICI Bank A/c No. [protected]

Complaint No. 98512994 dt. 01/03/09 Sunday 12.36 PM. Sadar Bazar’s ATM

Contact No. 91+[protected]

Dear Sir/Mam,

I VIVEK KUMAR JHA dob:-06/06/1982 mob:-[protected] FATHER NAME-S.N.JHA was having Credit Card of ICICI Banktwo years ago limit around 23000, which i had used at that time, and after that i was fail to deposit the minimum amount, than they send their executive to my place who collected the 25179/-rs cheque from my father, which got clear also, that was the pending payment including all the charges they had told us.But after three months we got call from them that 500/- is pending there which by that time became 1800/-, which we did not paid, due to that they put my name in CIBIL, now i have taken NOC from them 2months back, but still i am not aware that had they updated my name in CIBIL?please update me reagard thah ASAP.

i will be highly thankful to you

yours,
vivek jha

Sir,
This is regarding the ICICI Bank Irresponsible STAFF at MALL ROAD Branch, Kanpur .I went there to inquire about the details regarding transfering cash in Traveller's Card from the ICICI account . The staff was so engrossed in there gossip that they took nearly 45 mins to provide the details, and also the reply that they gave was the same thing that i told them previously .. and i was asking for an alternative way, if any.

I was then told that it was my fault that i didnt clear the details when i got the traveller's card service, i went there with incomplete information . I know i didnt know about the thing and its their responsibilty to provide me with the information when i have inquired and there are being paid for that same, instead of insulting me out there .

The staff need to be attentive of what a customer is asking about and also the customer is not too free to sit there leaving out his /her work .They are being paid for providing services which they are not being able to provide. Its was not the lunch time that they can gossip out when the customer is sitting just before with queries .I would have not said anything if it has been a government bank but the atitude of staff was pathetic I must say.
I want to take the individuals name but the fault is of whole staff sitting beside her ... NRI services .Life Insurance section both .

Dear All,

Never take credit card from ICICI Bank, they will very un unprofessional, there mail see below.
Dear Sir / Madam,

This is to inform you that from now onwards i will not pay the balance credit card amount, because of your worst service and also note that i am going to Labour court and will fight against you and will make you feel that "no one should play with customers emotion and money" with compentation.

You people are playing with my accounts the amount which you have not credited, because of your mistake and when shown / asked you the same then you have credited the same after 2 months. and now again after 7 month, you have debited it back to my account.

I know you are very unprofessional and heartless guys, many people told me about the same but i still went keeping my account with ICICI, but now i understood, they were RIGHT.

Even if you credit my account with the same back to my account, i will not continoue with this account, this is my last communication by mail to you, hence forth you will get a notice from Labout Court.

Regards and keep up the bad work.
Harish Shanbag

-----Reply Separator-------Dear Mr. Shanbag,

We regret any inconvenience caused to you.

We inform that as per the revert of service request SR74502497 payment has been posted to the card account on[protected].

30/07/2008CHEQUE PAYMENT RECEIVED, THANK YOU 6000.00CR


Credit for payment will reflect in your subsequent statement.

Never give away your card details or account details in response to mails that offer free gifts or lottery winnings.

Sincerely,

Joginder Singh

Account Manager
ICICI Bank Limited

Credit Cards Fees structure is changed w.e.f. 1st June, 08. For details visit www.icicibank.com>Personal Banking >Cards> Credit Cards > Most Important Terms and Conditions.

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> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'Change of Address' under service request or download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.


-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Thursday, July 31, 2008 10:38 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Dear Ahmed,

Please do it ASAP, so that i can pay the outstanding amount.

One more thing yesterday i got the statement and it's showing "immediate", and also it's written that if you don't pay the amount then we will send your detail to CIBIL.

Please note that non-payment is happening because of you only and you and top of that you are sending me "Attenion". it's really bad. if it's happend and if i face any problem in future i will take this all proof and sue you guys.

I AM REALLY FRUSTED. PLEASE RESOLVE ASAP.

Regards
Harish Shanbag



-----Reply Separator-------
Dear Mr. Shanbag,

We regret the inconvenience caused to you.

We have already forwarded the request for the payment on your credit card account with SR74502497.

We request you to wait for 4 days to know the request.

Regards,

Ahmed
Account Manager
ICICI Bank Limited

Credit Cards Fees structure is changed w.e.f. 1st June, 08. For details visit www.icicibank.com>Personal Banking >Cards> Credit Cards > Most Important Terms and Conditions.

Safe Banking Tip:

"Never give away your card details or account details in response to mails that offer free gifts or lottery winnings."

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'Change of Address' under service request or download the Address Change form from our website http://www.icicibank.com/pfsuser/webnews/products11.htm, fill it and drop it at any ICICI Bank/ATM drop box.

Instantly generate your credit card PIN on the phone by calling our 24-hour Customer Care.

-----Original Message-----
From: [protected]@infinity.icicibank.co.in ([protected]@infinity.icicibank.co.in)
Date: Tuesday, July 29, 2008 04:34 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

-----Reply Separator-------Dear Abhilash,

Till date it's not yet credited my account, and also due to this you have changred me interest also.

requesting to clear this matter ASAP, to continou the relation with ICICI Bank credit card.

Otherwise i will not pay a single money in future, cause i am the sufferer for your mistake.

Note :- My total Outstanding is more than 35, 000/-.
I think you don't want the money and the customer.

Regards,
Harish Shanbag

Dear Mr. Shanbag,

We have initiated a Service Request SR72109440 for the cheque payment made but not credited into your account, you will know the status in three working days.

For your safety DO NOT:
Give away your card details or account details in response to mails that offer free gifts or lottery winnings.

Sincerely,

Abhilash reddy
Account Manager
ICICI Bank Limited

Credit Cards Fees structure is changed w.e.f. 1st June, 08. For details visit www.icicibank.com>Personal Banking >Cards> Credit Cards > Most Important Terms and Conditions.

We value your feedback on your experience with our response to this query. Please click the "Feedback" tab and give us your views.

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> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

Safe Tip: Remember your passwords and do not tell anyone else, be it your close relative, trusted friend or even your banker.

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'change of Address' under service request or download the Address Change form from our website www.icicibank.com, "ICICI Bank reserves the right to use its customers' comments/criticism/compliments in any manner or media and will exercise discretion in such use."




-----Original Message-----
Subject: RE: Credit Card

Dear Abhilash,

Chq. is already debited in my account on dated 19/jun/2008 for rs. 6000/-

So please check and reply.

Regards,
Harish Shanbag

-----Reply Separator-------Dear Customer,

We inform you that we have not received the cheque as mentioned by you, we request you to confirm if the cheque amount got debited from your savings account.

For your safety DO NOT:
Give away your card details or account details in response to mails that offer free gifts or lottery winnings.

Sincerely,

Abhilash reddy
Account Manager
ICICI Bank Limited

Credit Cards Fees structure is changed w.e.f. 1st June, 08. For details visit www.icicibank.com>Personal Banking >Cards> Credit Cards > Most Important Terms and Conditions.

We value your feedback on your experience with our response to this query. Please click the "Feedback" tab and give us your views.

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> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

Safe Tip: Remember your passwords and do not tell anyone else, be it your close relative, trusted friend or even your banker.

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records online. To do this, log on to credit card Internet Banking, click 'change of Address' under service request or download the Address Change form from our website www.icicibank.com, "ICICI Bank reserves the right to use its customers' comments/criticism/compliments in any manner or media and will exercise discretion in such use."




-----Original Message-----
Subject: Credit Card

Dear Sir / Madam,

I have already paid last month Rs. 6000/- but it's not reflecting in my account Detail below :-

Chq No :- 801923 Dt :[protected] Amount - 6, 000/- Bank :- HDFC, Lower Parel Br.
Agency Name :- Vinayak
Collector :- Chetan Padaya
Receipt No :- T0408 C 0290742

Please update the same ASAP.
so that i can pay this month balance outstanding.

Regards,
Harish Shanbag

ICICI Bank Credit Card Dept. charged me EMI money although I've cancelled the same. When I talked to the Customer Care guy on call, he told me to get lost. The language was so harsh that I could n't believe that this is a bank which has been providing service to so many people in India. I want to acknowledge this to people all over India. This is the height of harassment. I would like the process to let the senior management know about the incident. I'ld never like to have any relation with ICICI after this incident. Please help me closing this credit card.

I Ravi Nandan V, consisting of ICICI credit card with following details
([protected]), has noticed that on 7th September 2008.
Eight transactions have been taken place with out my knowledge; I would like to raise a transaction dispute for the same.

Here are the details of the transactions which took place. Please do the needful in reverting back the transaction amount. Below are the transaction details.

07-09-08 Bharathi celluar 17, 462.78
07-09-08 Bharathi celluar 6, 000.00
07-09-08 Bharathi celluar 2, 498.00
07-09-08 Bharathi celluar 5, 900.00
07-09-08 Bharathi celluar 5, 000.00
07-09-08 Bharathi celluar 2, 000.00
07-09-08 Bharathi celluar 5, 000.00
07-09-08 Bharathi celluar 5, 000.00

Total: 48, 860.78

below are the complaint number I raised

SR79252360
SR79632602
SR96854727

Now they have leaned by bank A/C which has got 27, 00 with it. Pleae help me out in gettting my amount back.

My Customer ID: 1350313
Credit card no. [protected] (Future Card)

I am regular user and made regular payment of ICICI credit card.(for that you check my previous year details) but recently 3/4 months back (November - Feburary) i am not received your statement and due to that there is some late payment. for that you were charge every month (last 2 / 3 months) late payment fees, Inteerest Charge, etc. (please check...

Hi sir/mam.




This mail about complain icicibank credit card department.
I want to tell a case about icicibank credit card.
the case is before 2 years back icici bank issued a credit card without my permission and confermation .
they delivered it on wrong hand. after one year i got SMSs and telephone calls that i hold two credit cards of icici bank. i made a complain regarding this in customer care. they said that they also issued a american express card on my name. they said they will do enquiry and solve first card and after this second card.
After enquiry they accept that they delivered credit card to some mr.Vishal and on his ID. they resolve that disput in my favour . after this no conversation held and i got a call from recovery department then i did complain again. they said that there is one more card i that is american express card that was issued behalf on previous card.
i told that if you are accepting that first card i did not get then how can they issued second card and again delivered it wrong hand.
they repplied that they will take some time for inquiry.

after 2-3 months i get a letter that case is resolve in bank favour without communicatin me.
the bank also debited my all money from my saving account which is in icici bank becoz of this my all ECS and cheuqe was bounced and i faced so many difficulties.i ask them for application form on which i applied for credit card but they did not ready to show that document.
they also naver communicated me even my mobile no. remain same last 4 years.
The bank is not ready to solve case pls do needfull related with this case. i forwarding you the mail conversation with the icici bank.
pls do the needfull


thanks
sachin singh
[protected]

Hi sir/mam.




This mail about complain icicibank credit card department.
I want to tell a case about icicibank credit card.
the case is before 2 years back icici bank issued a credit card without my permission and confermation .
they delivered it on wrong hand. after one year i got SMSs and telephone calls that i hold two credit cards of icici bank. i made a complain regarding this in customer care. they said that they also issued a american express card on my name. they said they will do enquiry and solve first card and after this second card.
After enquiry they accept that they delivered credit card to some mr.Vishal and on his ID. they resolve that disput in my favour . after this no conversation held and i got a call from recovery department then i did complain again. they said that there is one more card i that is american express card that was issued behalf on previous card.
i told that if you are accepting that first card i did not get then how can they issued second card and again delivered it wrong hand.
they repplied that they will take some time for inquiry.

after 2-3 months i get a letter that case is resolve in bank favour without communicatin me.
the bank also debited my all money from my saving account which is in icici bank becoz of this my all ECS and cheuqe was bounced and i faced so many difficulties.i ask them for application form on which i applied for credit card but they did not ready to show that document.
they also naver communicated me even my mobile no. remain same last 4 years.
The bank is not ready to solve case pls do needfull related with this case. i forwarding you the mail conversation with the icici bank.
pls do the needfull


thanks
sachin singh
[protected]









From: "sachin singh"
To:
Subject: Fw: Re: RE:'ICICICARE=[protected]' Re: RE: Re: RE: Re: RE: Dispute request on card no-[protected]



Note: Forwarded message attached

-- Original Message --

From: "sachin singh"
To:
Subject: Re: RE:'ICICICARE=[protected]' Re: RE: Re: RE: Re: RE: Dispute request on card no-[protected]

hi,
What should i do if your records are showing that card was issue and there was transaction on it. if i never appiled for this card and not recieved this then why should i pay this .
i ask you to show me that application form on which i applied for this card.
And i also don't know what based you did your investigation without communicating me. i ask you to send me representative of your side who have that document on which i applied for your card and will show you all detailes that i never applied for your card and never recieved.


regards
sachin singh
[protected]


On Fri, 30 Jan 2009 16:55:42 +0530 wrote
> Dear Mr. Singh,  According to our record, we understand that the credit card was issue and was utilized for the transaction. Further to your request we had checked with the department and had raised a dispute with Service Reference Number SR73385646. According to the investigation department revert dispute has been released in ICICI Bank's favour. We request you to make the payment towards the outstanding to avoid further financial charges.  We look forward for your co-operation.   Sincerely,  Shubhangi RevankarCustomer Service Executive ICICI 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 emails is not intended to prejudice the interest of the customers in any manner  or to evade responsibility for any act of done with the endorsement of ICICI Bank    -----Original Message-----
>From: Â Â sachin singh ([protected]@rediffmail.com)
>Date: Â Â Tuesday, January 27, 2009Â 04:33 PM
>To: Â Â ICICI Bank Customer Care (customer.[protected]@icicibank.com)
>Subject: Â Re: RE: Re: RE: Re: RE: Re: RE: Dispute request on card no-[protected]Â toÂ
>Shubhangi Revankar
>Customer Service Executive
>ICICI Bank Limited
>
>As per your mail, i think that your 3 working days are over .i know you don't have that document becoz i never applied for this card.i already told you you issued this card without my permission and delivered it on wrong hand.this is not my fault but i suffered so many problems becoz of this.plz solve this case as soon as possiable.
>i said to you that you can send any representative to me i will show all the proofs that i never applied for this card and never recived this card.
>do needfull
>
>
>regards
>sachin singh
>[protected]
>
>On Mon, 19 Jan 2009 ICICI Bank Customer Care wrote :
>>Â
>>Dear Mr. Singh,
>>Â
>>We write with reference to the e mail
>>Â received
>>Â with regard to your query for credit card dispute.
>>Â
>>We inform you that the dispute has been released in ICICI Bank's favour.
>>Â
>>Further, we are checking your concern with regard to credit card application. We will revert with the status with in 3 working days.
>>Â
>>Your credit card account 3770
>>xxxx
>>Â
>>xxxx
>>9012Â is
>>permanantly
>>deactivated due to non payment of dues. Your outstanding as on date January 19, 2009 is Rs.
>>95, 557.59.
>>Â
>>Â
>>Â
>>Sincerely,
>>Â
>>Shubhangi Revankar
>>Customer Service Executive
>>ICICI Bank Limited
>>Â
>>*
>>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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank
>>Â
>>Â
>>Sincerely,
>>Â
>>Shubhangi Revankar
>>Customer Service Executive
>>ICICI Bank Limited
>>Â
>>*
>>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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank
>>Â
>>Â
>>-----Original Message-----
>> From:Â Â sachin singh (
>>[protected]@rediffmail.com
>>)
>>Date:Â Â Wednesday, January 14, 2009Â 10:10 AM
>>To:Â Â ICICI Bank Customer Care (
>>customer.[protected]@icicibank.com
>>)
>>Subject:Â Re: RE: Re: RE: Re: RE: Dispute request on card no-[protected]
>>Â
>>hi,
>>This is very hactic that you are not doing any positive towards this case, i don't know what type of you bank but this is very poor which you did.
>>i only want to know when i give application form to you for this credit card. send me a copy of that application form.
>>i had recieved SMS that you get some payment from my side, i don't know from where you get payment.Â
>>Why you debited all my money from my personal saving ac.[protected]. bcoz of this my all cheuqe and ECS are bounced .
>>this is your problem that you issued credit csrd without my confirmation. i am not going to pay a single rupee untill you dont cleare this mistranjections.
>>i want a executive from your side who can show me details and i will show all prooves that i never applied for this card .and never recived this credit card from your side.
>>do need full
>>regards
>>sachin singh
>>[protected]
>>On Fri, 05 Sep 2008 ICICI Bank Customer Care wrote :
>>>Dear Mr. Singh,
>>>Â
>>>We understand your concern.
>>>Â
>>>As per our records, Service Request SR77685846 for the settlement of the credit card is under process.
>>>Â
>>>However, we request you to wait till September 07, 2008.
>>>Â
>>>Safe Banking Tip:
>>>Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.
>>>Â
>>>Sincerely,
>>>Â
>>>Chanda Haripriya
>>>Customer Service Manager
>>>ICICI Bank Limited
>>>Â
>>>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.
>>>Â
>>>Â
>>>Â
>>>-----Original Message-----
>>> From:Â Â sachin singh (
>>>[protected]@rediffmail.com
>>>)
>>>Date:Â Â Tuesday, September 02, 2008Â 09:51 AM
>>>To:Â Â ICICI Bank Customer Care (
>>>customer.[protected]@icicibank.com
>>>)
>>>Subject:Â Re: RE: Re: RE: Re: RE: Dispute request on card no-[protected]
>>>Â
>>>As i intimate you time to time that i have never give any application for your credit card, so you should show me legal document where i have been signed and also document of reciving card.
>>>you can call me any time my no is remain same [protected].
>>>regards
>>>sachin singh
>>>On Mon, 01 Sep 2008 ICICI Bank Customer Care wrote :
>>>>Dear Mr. Singh,
>>>>Â
>>>>We inform you that the dispute is resolved in favour of ICICI Bank ltd.
>>>>Â
>>>>We have an exclusive investigation team to look into dispute-related complaints. As per the opinion of the department concerned this dispute has been resolved in favour of the bank and you are liable to make the payment towards your ICICI Bank Credit Card Account.
>>>>Â
>>>>We regret the inconvenience caused to you.
>>>>Looking forward to your cooperation.
>>>>Â
>>>>Safe Banking Tip:
>>>>Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.
>>>>Â
>>>>Sincerely,
>>>>Â
>>>>Narayana
>>>>Customer Service Officer
>>>>ICICI Bank Limited
>>>>Â
>>>>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.
>>>>Â
>>>>Â
>>>>Â
>>>>Â
>>>>-----Original Message-----
>>>> From:Â Â sachin singh (
>>>>[protected]@rediffmail.com
>>>>)
>>>>Date:Â Â Sunday, August 31, 2008Â 06:30 PM
>>>>To:Â Â ICICI Bank Customer Care (
>>>>customer.[protected]@icicibank.com
>>>>)
>>>>Subject:Â Re: RE: Re: RE: Re: RE: Dispute request on card no-[protected]
>>>>Â
>>>>hi,
>>>>this is only thing i want to know what base you find out the result without communicating me on phone or face to face.
>>>>After telephoneic complain your executive said that there will call from your side within 48 hours but no call till date.
>>>>you issued card without my permission and delivered it wrong hand, and never give any confirmation regarding it while my phone no. is continue from last 4 years, it remain same [protected]. why i should pay these libilities.this is your mistake.
>>>>i am going to consumer court for this mental herisment.
>>>>regards
>>>>sachin singh
>>>>On Sat, 30 Aug 2008 ICICI Bank Customer Care wrote :
>>>>>Dear Mr. Singh,
>>>>>Â
>>>>>For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our
>>>>>website
>>>>>, www.
>>>>>icicibank
>>>>>.
>>>>>com
>>>>>Â
>>>>>Â
>>>>>As per the revert of the Service Request SR73385646, we inform you that the dispute is released in Bank's Favour and you are liable to make the payment towards your ICICI Bank Credit Card Account.
>>>>>Â
>>>>>As per the telephonic conversation with our Customer Service Officer, we have already initiated a request to settle your ICICI Bank Credit Card Account with Service Request SR77685846.
>>>>>Â
>>>>>Your request is under process. You will receive the alerts on your mobile phone number or e-mail ID regarding the status of the Service Request in 6 days.
>>>>>Â
>>>>>We regret the inconvenience caused to you.
>>>>>Looking forward to your cooperation.
>>>>>Â
>>>>>Safe Banking Tip:
>>>>>Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.
>>>>>Â
>>>>>Â
>>>>>Sincerely,
>>>>>Â
>>>>>Narayana
>>>>>Customer Service Officer
>>>>>ICICI Bank Limited
>>>>>Â
>>>>>Now get your credit card statements whenever you feel like, simply visit the cards section onÂ
>>>>>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.
>>>>>Â
>>>>>Stay connected for communication by updating your contact details through "Forms Center" atÂ
>>>>>www.icicibank.com
>>>>>Â
>>>>>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
>>>>>.
>>>>>Â
>>>>>Â
>>>>>Â
>>>>>Â
>>>>>-----Original Message-----
>>>>> From:Â Â sachin singh (
>>>>>[protected]@rediffmail.com
>>>>>)
>>>>>Date:Â Â Friday, August 29, 2008Â 11:15 AM
>>>>>To:Â Â ICICI Bank Customer Care (
>>>>>customer.[protected]@icicibank.com
>>>>>)
>>>>>Subject:Â Re: RE: Re: RE: Dispute request on card no-[protected]
>>>>>Â
>>>>>Dear sir/mam,
>>>>>Â After Your prromise towards Credit Card Solution Take 45 days i was waiting for your responce, but no one came to me for any enquiry and i never got any phone call from your side.
>>>>>i got a letter yesterday in which mention that all transaction are held on this card and you are reversing temporary credit.
>>>>>i want to say that if i am never given you any application for this card and i never recieved any card then whher is the mistake of mine.
>>>>>i feel yhis is totaly froudlent activity fromsome one but you are also responcible for it you issued card without my permission or any enquery and also you dilivered card some one else.
>>>>>And i inform to you time to yime that you issued this card behalf of EMI card which is not recived by me and that case already solve in my favor, that case any card issued behalf of previous EMI card auomaticaly illegal and invailid.
>>>>>try to understand complaxity of this case. otherwise i will take of consumer court and sue on your bank related Frastation i have face due to this mistake of your side .
>>>>>your mistakes-
>>>>>1. Emi card delivered to Some name of person and on ID of MR VIshal. why?
>>>>>2. you issued second amex card on behalf on it. why?
>>>>>3.you delivered Amex card again to wrong person.why?
>>>>>4. when Emi card solve in my favor then why not second one?
>>>>>5.You take last 6 month to slove these case. why?
>>>>>6.only one time your executive came to me for EMI card inquiry and he told me that card was delivered on behalfe of ID mr Vishal and nobody came to me after it and never phone came to me from your side.why?
>>>>>7.after i did so many phone call i found that some body used my card and he did balance transfer on it and you did withot giving me any confirmation on my personal phone. why?
>>>>>8. You never give any confirmation which is idealy happen on any change in address.why?
>>>>>9.you debited arround 6000 rs from my personal saving account.why?
>>>>>try to answered my all qustions
>>>>>regards
>>>>>sachin singh
>>>>>On Fri, 18 Jul 2008 ICICI Bank Customer Care wrote :
>>>>>>For quicker resolution of your query/request, please write to us through
>>>>>>"E-mail Us"
>>>>>>facility. This facility is available on the first page of our web site
>>>>>>www.icicibank.com
>>>>>>, under "Reach Us ".
>>>>>>Â
>>>>>>Dear Mr. Singh,
>>>>>>Â
>>>>>>We have initiated, dispute request with the service reference number:Â SR73385646, with the details provided.
>>>>>>Â
>>>>>>For your safety
>>>>>>DO
>>>>>>NOT
>>>>>>:
>>>>>>Never give away your card details or account details in response to mails that offer free gifts or lottery winnings.
>>>>>>Â
>>>>>>K. Venu
>>>>>>Customer Service Manager
>>>>>>ICICI Bank Limited
>>>>>>Â
>>>>>>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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank
>>>>>>Â
>>>>>>Â
>>>>>>-----Original Message-----
>>>>>> From:Â Â sachin singh (
>>>>>>[protected]@rediffmail.com
>>>>>>)
>>>>>>Date:Â Â Thursday, July 17, 2008Â 02:50 PM
>>>>>>To:Â Â ICICI Bank Customer Care (
>>>>>>customer.[protected]@icicibank.com
>>>>>>)
>>>>>>Subject:Â Re: RE: Re: RE: Dispute request on card no-[protected]
>>>>>>Â
>>>>>>sir/mam,
>>>>>>if i never recived any card how i can did transaction on it pls dispute all transaction whichever shows on this card. you gave me date of 11 jul but no process was done by you. i always available on my phone try between 10am -5 pm.
>>>>>>pls credit my amount which is youi debited from my saving account-
>>>>>>[protected]. i am facing difficulties by this my ECS going bounced.
>>>>>>i am giving you my office address you can access me direct in my office.
>>>>>>indiabulls
>>>>>>m-61/62, middle circle,
>>>>>>c.p., new delhi-110001
>>>>>>officwe no.[protected], my ext-168
>>>>>>regards
>>>>>>sachin singh
>>>>>>[protected]
>>>>>>On Sat, 12 Jul 2008 ICICI Bank Customer Care wrote :
>>>>>>>For quicker resolution of your query/request, please write to us through
>>>>>>>the
>>>>>>>"E-mail Us"
>>>>>>>option. This option is available on the first page at our web site
>>>>>>>www.icicibank.com
>>>>>>>, under "Reach Us ".
>>>>>>>Â
>>>>>>>Dear Mr.Singh,
>>>>>>>Â
>>>>>>>We regret the inconvenience caused due to our credit card services.
>>>>>>>Â
>>>>>>>We inform that there is another transaction of Rs.379.00 done through credit card 3770 XXXX XXX 9012 towards "R MEATTLE & SONS NEW DELH, NEW DELHI" on October 26, 2007 other than balance transfer of Rs.68418.00 for which cash payment of Rs.400 also received on December 12, 2008.
>>>>>>>Â
>>>>>>>The previous request was not processed as you are disputing only the BT of Rs.68418.00 stating never received the card and other transaction also happened on the card.
>>>>>>>Â
>>>>>>>We request you to confirm whether the transaction for Rs.379.00 done by you or not and you dispute the same kindly send the scan copy of dispute letter with the transaction of Rs.379.00 along with BT of Rs.68418.00 and confirm your current address and contact details to initiate request regarding the same.
>>>>>>>Â
>>>>>>>We wanted to speak with you on your mobile [protected] at 6.30pm to resolve your query, however you are not contactable.
>>>>>>>Â
>>>>>>>Once the dispute request initiated we will forward request for removal of lien on your savings account.
>>>>>>>Â
>>>>>>>Looking forward to your co-operation in helping us serve you better.
>>>>>>>Â
>>>>>>>For your safety DO NOT:
>>>>>>>Never give away your cardÂ
>>>>>>>details
>>>>>>>or account detailsÂ
>>>>>>>in response to
>>>>>>>mailsÂ
>>>>>>>that offer
>>>>>>>Â free gift
>>>>>>>s
>>>>>>>or
>>>>>>>lottery
>>>>>>>winnings
>>>>>>>.
>>>>>>>Â
>>>>>>>Sincerely,
>>>>>>>Â
>>>>>>>Naveen Kumar
>>>>>>>Customer Service Manager
>>>>>>>ICICI Bank Limited
>>>>>>>Â
>>>>>>>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> View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.Â
>>>>>>>Â
>>>>>>>If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records. To do this, please download the Address Change form from our website
>>>>>>>http://www.icicibank.com/pfsuser/webnews/products11....⇄
>>>>>>>, fill it and drop it at any ICICI Bank/ATM drop box.
>>>>>>>Â
>>>>>>>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.
>>>>>>>Â
>>>>>>>Â
>>>>>>>Â
>>>>>>>-----Original Message-----
>>>>>>> From:Â Â sachin singh (
>>>>>>>[protected]@rediffmail.com
>>>>>>>)
>>>>>>>Date:Â Â Wednesday, July 09, 2008Â 10:36 AM
>>>>>>>To:Â Â ICICI Bank Customer Care (
>>>>>>>customer.[protected]@icicibank.com
>>>>>>>)
>>>>>>>Subject:Â Re: RE: Dispute request on card no-[protected]
>>>>>>>Â
>>>>>>>to icici customer care,
>>>>>>>I want to attention your towards this case SR68764941.after all complain you detact 6000 rs from my account[protected].If processing is going on how have you to able to detact my personal money from my account. I also not seen any process towards this case .plz start your procesing soon and solve it as soon as possible. also credit my 6000 rs in my account which you debited.
>>>>>>>thanks and regards
>>>>>>>sachin singh
>>>>>>>[protected]
>>>>>>>On Fri, 06 Jun 2008 ICICI Bank Customer Care wrote :
>>>>>>>>Dear Mr. Singh,
>>>>>>>>
>>>>>>>>Â
>>>>>>>>We understand your concern.
>>>>>>>>Â
>>>>>>>>We have initiated Service Reference SR68764941 regarding dispute on never received credit card.
>>>>>>>>Â
>>>>>>>>The request will be processed by July 11, Â 2008.
>>>>>>>>Looking forward to your co-operation.
>>>>>>>>For further clarification, please contact us through the "
>>>>>>>>E-mail Us
>>>>>>>>" option at our
>>>>>>>>website
>>>>>>>>,
>>>>>>>>www.icicibank.com
>>>>>>>>.
>>>>>>>>Â
>>>>>>>>For your safety DO NOT:
>>>>>>>>1. Keep your
>>>>>>>>cheque
>>>>>>>>books and cards together
>>>>>>>>2. Keep the blank
>>>>>>>>cheque
>>>>>>>>leaves signed
>>>>>>>>3. Allow anyone else to use your card, PIN, password or any other security information
>>>>>>>>4. Write down or record your PIN, password or any other security information
>>>>>>>>5. Give your account details, password or any other security information to anyone.
>>>>>>>>Â
>>>>>>>>Sincerely,
>>>>>>>>Â
>>>>>>>>L Kavitha
>>>>>>>>Customer Service Officer
>>>>>>>>ICICI Bank Limited
>>>>>>>>Â
>>>>>>>>Credit Cards Fees structure is changed
>>>>>>>>w
>>>>>>>>.e.
>>>>>>>>f
>>>>>>>>. 1st June, 08. For details visit
>>>>>>>>www.icicibank.com
>>>>>>>>>Personal Banking >Cards> Credit Cards > Most Important Terms and Conditions.
>>>>>>>>Â
>>>>>>>>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> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.Â
>>>>>>>>Â
>>>>>>>>If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records. To do this, please download the Address Change form from our website
>>>>>>>>http://www.icicibank.com/pfsuser/webnews/product...⇄
>>>>>>>>fill it and drop it at any ICICI Bank/ATM drop box.
>>>>>>>>Â
>>>>>>>>CONFIDENTIALITY INFORMATION AND DISCLAIMER
>>>>>>>>Â
>>>>>>>>"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.
>>>>>>>>Â
>>>>>>>>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.
>>>>>>>>Â
>>>>>>>>The notice appended to the emails 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."
>>>>>>>>Â
>>>>>>>>Â
>>>>>>>>-----Original Message-----
>>>>>>>> From:Â Â sachin singh (
>>>>>>>>[protected]@rediffmail.com
>>>>>>>>)
>>>>>>>>Date:Â Â Thursday, June 05, 2008Â 07:43 PM
>>>>>>>>To:Â Â ICICI Bank Customer Care (
>>>>>>>>customer.[protected]@icicibank.com
>>>>>>>>)
>>>>>>>>Subject:Â Re: RE: Dispute request on card no-[protected]
>>>>>>>>Â
>>>>>>>>Dear Venkateshwarlu
>>>>>>>>Customer Service Officer
>>>>>>>>ICICI Bank Limited
>>>>>>>>i am again sending dully signed attachment with this mail which have al details which you ask for:
>>>>>>>>Complete 16 digit Credit Card Number:[protected]
>>>>>>>>Complete Name:Â SACHIN SINGH
>>>>>>>>Merchant Name: DON'T KNOW
>>>>>>>>Transaction Date:[protected]
>>>>>>>>Transaction Amount:Â RS. 68418/-
>>>>>>>>Details of the dispute:BALANCE TRANSFER BT[protected]
>>>>>>>>Type of Dispute :NEVER RECIVED ANY CREDIT CARD
>>>>>>>>THANKS & REGARDS
>>>>>>>>SACHIN SINGH
>>>>>>>>On Mon, 26 May 2008 ICICI Bank Customer Care wrote :
>>>>>>>>>Dear Mr. Singh,
>>>>>>>>>Â
>>>>>>>>>We request you provide the below details to raise a complaint.
>>>>>>>>>Â
>>>>>>>>>Did you apply for card? (Yes/No):
>>>>>>>>>If yes, details?:
>>>>>>>>>How and when did you know about transaction on card:
>>>>>>>>>No of Transactions:
>>>>>>>>>Mailing address:
>>>>>>>>>Looking forward to your co-operation.
>>>>>>>>>Â
>>>>>>>>>For quicker resolution of your query,  please write to us through the "Email us" option atÂ
>>>>>>>>>www.icicibank.com
>>>>>>>>>Â
>>>>>>>>>Sincerely,
>>>>>>>>>Â
>>>>>>>>>Venkateshwarlu
>>>>>>>>>Customer Service Officer
>>>>>>>>>ICICI Bank Limited
>>>>>>>>>Â
>>>>>>>>>If you have changed your mailing address or your telephone number(s), please obtain the Address Change Request Form from our web site
>>>>>>>>>http://www.icicibank.com/pfsuser/channels/an...⇄
>>>>>>>>>or from any ICICI Bank branch or ATM.
>>>>>>>>>Instantly generate your credit card PIN and get your Internet Banking user ID on the phone by calling our 24-hour Customer Care. To know more about our online services, please visit
>>>>>>>>>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 emails is notÂ
>>>>>>>>>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.
>>>>>>>>>Â
>>>>>>>>>Â
>>>>>>>>>Â
>>>>>>>>>-----Original Message-----
>>>>>>>>> From:Â Â sachin singh (
>>>>>>>>>[protected]@rediffmail.com
>>>>>>>>>)
>>>>>>>>>Date:Â Â Monday, May 26, 2008Â 12:24 PM
>>>>>>>>>To:Â Â
>>>>>>>>>customer.[protected]@icicibank.com
>>>>>>>>>(
>>>>>>>>>customer.[protected]@icicibank.com
>>>>>>>>>)
>>>>>>>>>Subject:Â Dispute request on card no-[protected]
>>>>>>>>>Â
>>>>>>>>>Â
>>>>>>>>>To
>>>>>>>>>icici bank, cret card department
>>>>>>>>>sub:-Dispute request on card no-[protected]
>>>>>>>>>sir/mam,
>>>>>>>>>i am sachin singh. i never applied for icici credit card.this amex card issued on behalf on EMI card which is not recived by me.this EMI card complained no. SR58993320, which is already resolve in my favour.
>>>>>>>>>you issued this amex card on behalf of previous one which is also not recived by me, so how can i did trasaction on it.
>>>>>>>>>i have complained for this so many times in your customer care but nobody give saficient answre of this.
>>>>>>>>>i am sending dully signed attachment with this mail which have al details which you ask for:
>>>>>>>>>Complete 16 digit Credit Card Number:[protected]
>>>>>>>>>Complete Name:Â SACHIN SINGH
>>>>>>>>>Merchant Name: DON'T KNOW
>>>>>>>>>Transaction Date:[protected]
>>>>>>>>>Transaction Amount:Â RS. 68418/-
>>>>>>>>>Details of the dispute:BALANCE TRANSFER BT[protected]
>>>>>>>>>Type of Dispute :NEVER RECIVED ANY CREDIT CARD
>>>>>>>>>THANKS & REGARDS
>>>>>>>>>SACHIN SINGH
>>>>>>>>>Â
>>>>>>>>><>
>>>>>>>>Â
>>>>>>>><>
>

Hi,

I had recieved a call from ICICI Credit Card Call center, who said that I have been offered by a Platinum Card of ICICI Bank. For this he said that I will have to pay 2000 annual charges which will be paid back as a reward points of 2000 which I can redeem later while shopping. In the first bill itself I recieved the annual charges bill which I have already paid. After that in the Next bill i didnt got the redeem points for which I asked the Credit Card department. They said that there is no such scheme in the Platinum Card. After that bank has reverted back the money.

Well I need that a strict action should to taken against such employess who make a false commiting to the customers. My Credit Card Number is [protected]

Dear Sir,

The below mentioned mail has sent by me yesterday.Pls look into the matter and take necessary action.

This is for your information that I have been a customer of your Credit Card vide no. [protected] for last few years. I regret to inform you the kind of service you are providing for the last few months are very poor and unprofessional. Hence, I have decided to surrender my credit card and for that I have several times called your customer care dept but unfortunately nothing turned up. I insisted for settlement of my dues but their attitude was very much reluctant and they kept harping on the string asking me to pay the minimum amount. I followed their instruction for a few month. Being a good customer I expected that very soon your representative would get in touch me for settlement but it was all in vein. I have already reached my height of patience and can NOT bear anymore. The executive of collection department( Mr. Ganesh) is sitting there was very much arogant and misbehaved. Suddenly on 27th he caled up at my mobile no. and used abusive language and told me he will come to our place and will shout in the locality if I don’t provide him the money.If this matter will happen again than I wiil be having no oher option for bringing dat employee into the court and also I will lodge a F.I.R against that illmanered person. So, you are requested to act upon this matter within 48 hours of receipt of this mail otherwise I'll be left with no other option but to surrender my card without bearing any financial burden in the future against my credit card.

Please treat this matter as the MOST URGENT.

Best Regards,
SANDIP
[protected]

Communicating with ICICI customer care is very similar to banging our head on a wall.

I have a very simple requirement ie I want my Demat account transaction statements for a specified period. But ICICI Customer Service, MIDC bank branch personnels as well as phone banking agents have made my life a total nightmare. They do not provide correct information, make false claims of trying to get in touch with me, commit to false timelines for resolution and only add more and more excuses. I have been trying to get this issue resolved by all possible means, having used their IVR, speaking to the phone banking officers, going in person to ICICI MIDC Branch only to be misled further that I would be assisted at the ICCI Demat Branch near Shopper's Andheri West. I was provided wrong timing of operational hours inspite of repeated confirmations thereby wasting my time, effort and money.

The phone banking officers do not know how to communicate in English or any vernacular language either, they cannot escalate calls to seniors and for even giving straigtforward information they put me on hold a zillion times and then said it would take 2 days to resolve the problem. It is my acoount, I pay for holding this account and am absolutely free to decide whether I want to transact or not. I work myself for a finance company and am required to submit the transaction statements as a part of compliance requirements. I tried explaining this to the ICICI officias but my pleadings have fallen on deaf ears and I must add thick headed as well. Their email responses from the ICICI Direct Helpdesk id are drafted in terrible language and make reading difficult. Though I clearly explained that I am aware of no transactions all I am looking for is a statement reflecting nil transactions, yet they send idiotic responses like they are unable to find transactions and give me baby steps (which are obviously copy pasted) for internet banking. Hello ICICI I am not as stupid as you are, so stop this tom foolery.
Previously also, I wasted more than an hour but failed to get a simple DD made at ICICI MIDC Branch and when I tried to ask the where and how of the procedures and why coudln't they accept cash, I was given the blunt answer 'we work like this only. you give money in account then take money to make DD'...seriously these people need to learn some basic communication skill as well, not to mention getting trained on their own products and services.
Banking with ICICI has become a perpetual pain and I would advise any sane minded person to never trust in ICICI and not ever invest with them because they don't even know what they are talking about, forget being of any help to another person.

I would want to clearly mention here the names of some of the officials I interacted with:
Rajesh S. Pednekar -Emails IDIR-Mum, Customer Service Officer
Kirti Sapkal-Emails IDIR-Mum, Customer Service Officer
ICICI Executive(the lady (ougth I to call her one?)with whom I interacted at the 'May I Help You Desk' ICICI MIDC Branch on Sat, 28 Feb, 2009, 2 pm)

I do not expect or even hope that my complain will be of any help or an eye opener for ICICI, in fact I doubt they would be able to comprehend my simple requirement even if they ever read this complaint, but I thought a word of caution may only help another fellow being from falling prey to ICICI and its false committments.

Monica Handa
handa.[protected]@gmail.com

Dear Sir,



I have big problem in the ICICI Credit card no body is helping me out



My problem is mentioned below



I am using the credit card No. [protected] from March 2003 till date


I use to get the credit card statement bill on time and it was due on 1st or 2nd or the month



Now from past three months they have changed the stament billing period and and the due date for payment to 26th of every month and they are charge



Big amount of late fees and they are not ready to change the billing period or reverse the late fee charges



Please help me out to change the billing period and to reverse the late fee charges of Rs.674.18 for the month of Jan 2009





The Retention manager did not co-operate and the customer care manager did not co-operate for helping me in this regard



I have not defaulted the payment from 2003 till today I request to change the billing period and it should due on 2nd of every month which will be easy to me to pay



immediately



Regards





Sheshadri

Mobile No.[protected]

My loan account no. LAPTA[protected] on name of Megh raj bansal, address: #424 b-6, Anaj mandi Near durga dal hospital PATRAN Distt. (PATIALA) pin code: 147105, loan amount 2, 90, 000 started from 1 feb, 2006 on SANTRO CAR, EMI Rs.8760, advance emi 1.

I have paid the all EMI's without any delay but i have not recieved the N.O.C.

Harassment by ICICI Bank Credit Card Division


Dear Sir/Madam

Thanks a lot for your interest in reading my complaint.

This is to bring to your kind notice that I have paid the said amount (Rs. 12000/-) against full and final settlement letter to them 4 month ago successfully but they have been failure to reset or close my account for credit card as they are generating new statement every month so my bill statement get added amount of Rs.2-3 thousand.

I have consulted the customer care 3 times in this regard but every time they give the request no. assuring me that my problem will be resolved within a week but no any steps are being taken.

Due to this, I am getting lots of calls from recovery agents who do not give their identity except saying this “He is calling on behalf of ICICI Bank and you have over due amount of 16 thousand like this”. They start irritating by arguing and so on…

In this regard your prestigious advice for what should I do is always welcome.

Please note that I have the proof of following documents:

1. Letter for full and final settlement,
2. Receipt of cash payment (Rs. 6000/-) &
3. Receipt of cheque clearance for amount (Rs. 6000/-) from your side.

With kind regards,

R Kumar
Card No. – [protected], Exp dt. – 02/11

Dear sir,
i had ICICI bank credit card.the card account had been settled by the credit manager at visakhapatnam(AP)& full and final settlement letter has been issued.but every month some amount is been regularly deducting by credit card authorities.after launching many comlaints the bank authorities are asked me to send a scanned copy of the settlement letter.after review of my settlement letter they directed me to meet the person who settled my card.when i meet the concern person he is not at all responding regarding this issue.the card has settle in june 2007.
so please give some solution regarding my problem.