ICICI Bank Complaints & Reviews

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]


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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.

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