ICICI Bank Complaints & Reviews

ICICI Credit Card — Useless

i am not holding any credit card but still they are issuing me a new one also not giving proper responce
after several calls, visits & corrospondance in customer care proper responce is not recd.
i treat this is the most useless treatment recd from ICICI Credit card.

Credit Card — useless bill

My dad was using Barclay's credit card. He paid the whole unbill amount. After a month Barclay people send us a bill of Rs.500. When we called them to cross check the bill amount, they said the amount Rs.100 was overdue which you didn't pay and we charged Rs.100 for executive who came to receive the payment.You didn't make the payment timely that the reason after charging Rs400 as late payment after due date, the total amount is Rs. 500. When my dad raise a complaint for irrational billing amount, they people didn't turn up. And now they make the bill of Rs.5000 which was just Rs.100.
I want to ask why should my dad pay the late charges, the guy who came for collection should that time only ask for collection charges instead of sending the bill of Rs.500 which also include late payment charges. So many times I have already forwarded the complaints to Barclay's customer care, but nothing is happening.
I hope this forum will help me out.

Thank you
Vidhi Jain
jain.[protected]@gmail.com

Same experience here, most of the ICICI bank ATMs remain out of order -OR- out of cash!! There are 3 ATMs at my home location and 2 on my office location and at both locations every time I try to use ICICI ATMs they remain useless, I tried to register a complaint to the local branch and also wrote in their complaint book but in vain, on the other hand I never found any single HDFC bank ATM which was out of order/cash!!

It seems as ICICI's customer base is growing they are becoming unreliable, irresponsible and do not care about customer grievance, the behaviors of the ICICI bank representatives in the local branch remind you of their counterparts at some Government banks like SBI, even sometimes you feel easy to get service from those Government banks who are infamous for their poor services!!

Sir, how can i become a Franchise of ICICI Bank. I am a business correspondent of STATE BANK OF INDIA.My activities are- Account opening, small deposit & payment up to 10, 000, loan application, debt recovery, insurance, mutual fund, money transfer, demat account etc. I am trained by-- IRDA (Life & General), and "Indian institute of banking & finance" for debt recovery of NPA of Banks. My partnership firm "Nodus Properties Adopter" is registered by U.P.Govt. for- outsourcing of Banks & Financial organisation, Insurance companies and mutual fund companies. Licence of Western Union (Wall Street) & Mutual Fund Distributorship is under process through my Firm.
I need to start a new business through my Firm in finance sector.My office is well decorated with 07 system (computers) with staff. More than 5000 account holder are joint to me.
Please guide me at right way for working as a FRANCHISE with ICICI Bank.
-- V.K.Singh C/O Vijay Medical
Opp- KotwaliGate, Baskhari Road, Post- Akabarpur
Dist- Ambedkarnagar (U.P.) PIN-224122, Mob- [protected]
Email-- [protected]@gmail.com

Subject : Closure of Salary a/c no.[protected] with your bank.

This is with reference to your letter dt. 06th Aug, 09 received on 28th Aug, 09. I was operaing Salary accout no.[protected] with your bank and also enjoying good facilites which was provided by you. Currently I am not operating this salay account due to some problem.

Request you to close this my salary a/c no.[protected] as ealiest as posssible and also do not debit any charge to my above mentioned a/c for non-operating.

I will be very obliged for your co-opertion. You may also contact me on Cell [protected].

Thanks & Regards,

Diambar Kore

icici/credit card — Credit Card issue

Hi,

I have ICICI credit Card for that credit Card some amount(around 4000/-) is debited to TATA AIG policy. which the Policy i didn't apply for this Credit Card.and also i never done any single transaction for my credit card.Also i have savings account in ICICI bank.Two weeks back credit card department blocked my savings account and the amount(13000/-) detected to my savings account with out my notice.And also i am not receiving any TATA AIG Policy documents from the policy company and also i dont have any information.I Complained so many time to ICICI Credit Card department.but they are not replied properly.

Please help me ho to get my money back.


Regards
Somasekhar

Dear Somasekhar,

We are sorry to hear about your experience with us. Please write to us at [protected]@icicibank.com with your credit card number and contact details. We will contact you and work to address your issue.

Regards,
ICICI Customer Service Team.

Hi,
Yes, I am also facing the same issue.
ICICI deducted 28Rs from my account around 10 times.
Please suggest how to proceed if possible

I had sufficient amount in my account inspite of that they had charged me declined charges. I do not understand some sort of minting money using unscrupulous means.

I have sent an email to the ICICI bank to confirm the date when this charge has been implied and also if it has been in consent with the guidelines of RBI. It's been over 15 days and I have not received any response from them. They are always eager to introduce these charges without any permissions from the RBI. We can forward a request to the RBI about these unreasonable charges being implied by the private bankers. Hope they will take care of these .

It is unfortunate to complaint that the bank is charged like "ATM DECLINE CHG/08-APR-09/0047" for 7 times now it self with out informing and even though my account contains more than 25, 000 Rs. Why this happend?Please reply me with in hours. What is the reason for not informing before deducting. Your updating every thing in Messages rite, why it is missing to inform. Kindly treat it as sever mail.

Dirrty

Even it is happend for me on Apr 22 2009 . I tried to withdraw money from my account i thought there was sufficient money . But 28 rs is deducted from my account . THis is nothing but deduct money for silly transaction from customer.

I am also also faced the same problem.
ICICI deducted 28Rs from my account near about three time and gives a description like ATM DECLINE CHG.
I also have account with CITI bank but I have not observed such thing with it.
Is it a only case with ICICI?, is it according to RBI norm?

Even they deducted 28 Rs. from my account telling there was insuffcient fund while withdrwaing on XYZ date, this is not communicated there may be many rules like this which debts your money from account dont close your eyez and make any transaction with ICICI bank, be educated first about its fees and norms.

i also faced this problem Today . in my statement it shows ATM DECLINE CHG/22-MAY-09/6486
On this date i had not made any transaction and also not entered more amount then my bank amount on any date

Hi All,

I have seen you complaint on this forum regarding ATM DECLINE CHG. I have also face same problem. Did you get any solution for that ? Please let me know details.

Thanks
Manoj

I have seen you complaint on this forum regarding ATM DECLINE CHG. I have also face same problem. Did you get any solution for that ? Please let me know details.

Hi...


I had an similar experience... so i mailed the same to customer care... i received an email with in 2 days, ... they even called me for the same... best services i would say...

this is charge we need to pay if we try to withdrawn more amount then the amount in account.
charge is Rs 25+service charges...
i would like to share a link that describes all the charges taken by ICICI... i feel this charge is not good... rest all about ICICI is very goodd..

here is the link:

http://www.icicibank.com/Pfsuser/icicibank/depositproducts/com_r&f.htm

Thanks,
Ankur

I have received a ATM DECLINE CHG/02-JUL-09/8035 on my account dated for 10th Aug 2009.

The first weird part is I have sufficient funds and I should not be declined a transaction from the ATM.

The second weird part is I never swiped my ATM card since 4th Aug 2009!!!

How is it possible for the bank to charge Rs. 28.00 for no reason at all????

why Rs.28 deducted from my account? I have account in ICICI BANK n i have sufficient amount in my account ATM DECLINE CHG/22-AUG-09/1966 (this is the description in banks statement). the charges about what can u describe me?

Hi
I have an account with ICICI bank(Saving), on 29 sept' 09 i have transferred an amount of Rs.320 to my friend ICICI account then you have charged an amount Rs.28 Four times saying that ATM DECLINE CHG/21-AUG-09/6176.

Hi all,

with my icici bank a/c also deduct 2 times ATM DECLINE charge rs. 28 on 18 sep 2009.
it is wrong from icici bank with its customer.
i am very unhappy with this thing.

i am also facing the same proplem please tell me what to do in this case ATM DECLINE CHG/02-OCT-09/8793

Hi all... I faced the same problem in ICICI on 25th october and have charged twice as ATM DECLINE CHG's. Reason told by the bank: Transaction done due to insufficient amount. This is totally absurd as i had around 2000 Rs. as balance. A sort of fraudulence from a reputed bank like this.

I have received ATM decline charge on my account for 4 times, rs.28.00 each 4 times for same date, i didn't used tht card on that date,
Details below

19 22/12/2009 22/12/2009 ATM DECLINE CHG/02-NOV-09/4030 28.00 1, 910.52
20 22/12/2009 22/12/2009 ATM DECLINE CHG/02-NOV-09/4030 28.00
21 22/12/2009 22/12/2009 ATM DECLINE CHG/02-NOV-09/4030 28.00 1, 854.52
22 22/12/2009 22/12/2009 ATM DECLINE CHG/02-NOV-09/4030 28.00

on my account dated for 22nd dec2009.

The first weird part is I have sufficient funds and I should not be declined a transaction from the ATM

Then it shows the transactions date on 2nd nov 2009, i am sure that i didn't used that card on that date,
Need resolution, and my amount

ICICI Bank Saving Account — Short disbursement of cash

On 19th October, 2009 I had withdrawl of Rs. 20,000 from ICICI ATM - Account No. [protected]
at Kalkaji and surpirsed to note that I have got only Rs. 16,000 which is short by Rs. 4,000/- and my account was debited by Rs. 20,000/-.

Immediately I lodged the companint to the customer Service- Service Request(SR) No: [protected] given to me but till date I am getting reply from them that we have checked and your transaction is sucessful and we can not reverse the balance amount.

I am very shocked to see the customer services handled by such ICICI Bank.

Vikram

ICICI Bank Saving Account — clearance of cheque

Dear sir/Madam

The SBI cheque no 303799 of amount 13634 has been forwarded from PF office vasi mumbai to credit in account of ARCHANA CHOUDHARI at the date 31/07/2008 in icici bank Vairaghade house, main road, bhandara branch 441904. It is to mention that said amount is still not credit in my account[protected].
Thanking you,

Regards

Archana Choudahri

Dear Archana,

We regret the inconvenience caused to you.
We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

I appreciate all you that just updating complaints here. It is at least good then thousands of people not doing anything..

However, I would like to tell you that instead of just saying it here, can't we get together (online only) and complaint about the same so that they get compel to hear??

It is my personal experience that when you will complaint to the authority ( call centre never helps), you will get it sorted out. I experienced it with ICICI bank, vodafone, BSNL, Pantaloon future group's Big Bazar, TATA Indicom, dish TV, india infoline and many more. We have many rights as consumer under consumer protection act 1986 reserve bank of india guidelines for banking, SEBI for securities and share trading, TRAI for telecom, broadband and DTH service providers and MRTP act.

Don't you think we should use it??

I am not a professional lawyer but still never let anybody make fool of me because i know value of my money. I am a salaried person and would like to help everybody who wish and want my help. I am not after money at all, if you want to, you can pay me a few bucks or send me a chocolate, can be even a halls or mintofresh worth 0.50 rupees... lol... just want to say, i am not writing this to you for money but only to have couple of friends who can roar against any injustice in their life, any damn thing... If you are ready, I am ready to help you with no intention to make any money, just want to support..

Pratik
[protected], [protected]

I have seen you complaint on this forum regarding ATM DECLINE CHG. I have also face same problem. Did you get any solution for that ? Please let me know details.

ATM DECLINE CHG/12-JAN-10/9426

I HAD TWO WHEELAR LOAN TAKEN FROM ICICI BANK LTD., AND THE LAST INSTALLMENT WAS DUE ON 05/11/2009 AND AMOUNT WAS RS. 1300/-, AND DUE TO INSUFFICIENT BALANCE AUTODEBIT IS BOUNCED.

LOAN A/C NO. LTNAS[protected]...

LATER ON NO AMOUNT WAS DEBITED IN ACCOUNT NEITHER I RECEIVED ANY CALL FROM BANK FOR INFORMING FOR MAKING THE PAYMENT, AND NOW ON 16/02/2010 THEY HAVE DEBITED MY ACCOUNT BY RS. 3773/- WITHOUT ANY INFORMATION???

I HAVE CALLED UP AT CALL CENTER BUT THEY ARE NOT READY TO REVERSE THE AMOUNT...

1 19/03/2010 ATM/CASH WDL/19-03-10/20:06:16/0 DR INR 300.00
2 18/03/2010 ATM DECLINE CHG/23-FEB-10/9903 DR INR 28.00
3 18/03/2010 ATM DECLINE CHG/25-FEB-10/9903 DR INR 28.00
4 18/03/2010 ATM DECLINE CHG/25-FEB-10/9903 DR INR 28.00
5 18/03/2010 ATM DECLINE CHG/24-FEB-10/9903 DR INR 28.00
6 18/03/2010 ATM DECLINE CHG/24-FEB-10/9903 DR INR 28.00
7 18/03/2010 ATM DECLINE CHG/24-FEB-10/9903 DR INR 28.00
8 18/03/2010 ATM DECLINE CHG/24-FEB-10/9903 DR INR 28.00
9 18/03/2010 ATM DECLINE CHG/25-FEB-10/9903 DR INR 28.00
10 18/03/2010 ATM DECLINE CHG/22-FEB-10/9903 DR INR 28.00

I Withdraw the amt with ICICI Bank & Due to Incificint fund They Charged 28 Rs for that ( Three Times), I Realy fedup for the same...

ICICI says its RBI norm i would like to know if its under RBI GUIDANCE.

ICICI BANK IS FROUD DEDUCT ON MY ACCOUNT 28 RS. TO 14TH JUNE
I HAVE NOT ANY TRANSACTION NOT ANY WITHWORD AND NOT ANY DIPOSIT FOUND
THEN DEDUCT ON MY ACCOUNT .
I DO'T UNDERSTANT WHAT HAPPEND IS WHY??

ANY ONE SAY ME HOW CAN GET MY DEDUCT MONEY???

SONU

Hi,

I have faced same problem for money deducted from my account.

ATM DECLINE CHG/12-JUN-10/4541 Dr 28
ATM DECLINE CHG/12-JUN-10/4541 Dr 28

Have any reason for deduct amount ?

yaar mere saath bhi aisa hi hua hai ek bar irctc ka tickit book karne par 2 times rs. 11 dedudct kiya tha tab maine cust care se mail kar wapas account main credit karwa liya tha but insufficient fund k nam par rs. 28 yar ye kyon penalty charge kar rahe hain it's not fare..

we all do the complain with icici we r the privileged customer and we r heart for this penalty.


regards
paras vishwakarma
jabalpur m.p.
[protected]@live.com

this is one of the worst task of any bank with me.
i m completly unhappy with this...

Hi All,

i have an account with icici bank.[protected].

Am agree with icici bank fraud in all cases, i have icici bank account and personl loan with this bank, i am paying all emi from 3 yrs with out dues.
recently i applied for personal loan with hdfc, they find some bounces and overdraft account on my name in cibil.
they are rejected my personal loan due to the wrong updation in cibil.
the icici bank given wrong information to the cibil.
why they did that ?

Pls help me in this case, how can i get money back from them?

Some one suggested me go to the nearest branch and give to them as a written statement for revertback of all declain charges.



recent icici bank debited 50rs from my account unnecessarly, i called them and asked why these amount are debited?
they replied me that cahrges for duplicate statement...i never raised arequest for duplicatestatement with them, also i never recived the statement.
after their confirmation they revert back my money.

recently they debited transaction declain chearges 6 times on the same transaction. they debited 28 rupees 6 times from my account.
after my request they revert back 28 rupess(only one declain charge) credited into my account.

Recently same thing happend agian, they charged decline charges 3times for the same transaction, they debited 28ruppees 3 times.

why they are going to blame the customers.

hi guys every one chek their transaction history brifely, thats help to you.

thanks&regards,
Vijay

If you have any issues related to bank use the bellow link & compalin to RBI, You will get correct informaiton. they will charge amount to bank. Bank will pay the amount with interest.

https://secweb.rbi.org.in/BO/compltindex.htm

hi this is prakash the same issue exists with me . Please look in to this and take necessary action without any delay.

ICICI Bank — Creditcard Dispatch

I have applied for credit card and i also got dispatching message to my mobile number but still it is not received at my end .please verify my card status.

ICICI Bank — cradit card aplication status

sir pls conformation credit card status application no[protected]. thanks & regard prem dutt sharma mobail no-[protected]

credit card information

sreenivas madapuru pls provide the cibil details

want to know overdue of my Bike,

Hello all my bike registration no is :- DL3SAY2282 REG DATE :- 05/09/2006 HP/ LEASE :- ICICI BANK. MODEL :- DISCOVER KS-K 70. Name :- Vivek Dabral. Address :- C - 267 Kidwai Nagar. New Delhi.

CARD MISUSE

DEAR, SIR/MADAM I'M MANY TIME SAND MAIL ON BANK "customerdisputes" <[protected]@icicibank.com>, MAIL ID DONT SAND MAIL ON THIS ADDRESS SO PLEASE HELP ME REFUND MY AMOUNT ROHITASH PATEL [protected]

icici bonds

i hav . 6 nos of icici Bonds having value 50000/bond.to be matured on 2017 pl.infom procedure to get my money back from icici my mobole no. is [protected]

Credit Card application status invalid

I have applied for icici CREDIT CARD and its past 1 month i have not received any call from ICICI credit card team and 13 digit number is showing as invalid application number.

sir i am holding two in numbers of credit card.but icici lombard and your credit card department have fraud with me. so i want blocked my credit cards. so that you cannot do such type of frouds.and plese you adjust my credit card bills and deduct my intrest which you have charge on my credit cards.because i dont have too much money to pay your intrest.and i have already send a speed post of my application to your nodal officer. erliyar i purchased sum of Rs 1lac and 10 thousand on my cerdit card and i paid my full amount in time.but this time nobody help me. if you can solve my problem i will keep your credit card continuesly. actually i am a defence person and i have taken a health insursnce on my credit card no [protected] by name of rajesh kumar. but your department made another policy on my another credit card no [protected] by name of geeta yadav.geeta yadav is my wife. now you tell one man will take same type of policy. in future with out my knowledge and confirmation any transection will not made on my any credit dards. my wife have not too much knowledge.

ICICI/ Credit Card — Online Credit Card Fraud

I own an ICICI bank credit card, which i have not used since last 2 years.Today i recieved a call from ICICI bank sayin that transactions had been done on my card.I checked My E-statemenet on ICICI bank website and found that two transactions, one dated 16/04/2009 of some 40, 000 rupees and another dated 19/04/2009 of some 65, 000 rupees had been done from My card .The transactions were done by some "AL majeed communication". i immediately called up the customer care office and got my cards blocked and a "dispute" raised.Can u please suggest me that do i need to register an FIR and what are my options.What does Bank do in such cases?

icici/personnel loans — personnel loan - cheats by banks

dear friends
a)icici - bank provides the personnel loan max 10 lac within short period time.
b)less documents
c)when we take loan bank hide so many other matters
d)in hurry as the person require such loan always in hurry
they takes signature on so many pages
e)after that during yr emi period and you hv ECS auto debit
account
f)later before yr loan compltes you cannot change yr personnel saving accounts without paying a sum of amount reasons changing bank - NO MATTER YOU PROVIDE POST DATED CHEQUE OR NEXT BANK ECS AUTO DEBIT
THEY ASK TO PAY SUCH AMOUNT REASONS YOU HV CHANGES YR PERSONNEL ACCOUNT EVEN YOU GURRANTTE FOR REPAY MEAN EMI WILL NOT HOLD.

NRE Fixed Deposit — Mentally Herrassment

Respected Sir/Madam,
My self Chirangini Desai my Brother is having an NRI account in your bank in Nadiad Branch.He is basically from Kenya so in his absence I am handeling his account.He gave two cheques for fix deposit on 22.02.2006.One FD is been made and another is Been credited in other customers account.That we came to know in 21 Dec 2007. And we had a long discussion with the manager we took in written that one FD which is not been made will be credited in your account on 24.12.2007 and we got the credit. Now on 22.02.2008 I gave another application to the Operation Manager Mr.Willson to credit the second matured Fixdeposit amount in my account then he said that we will not give u credit till you dont give that origional letter,and the Branch Manager Mr.Sandeep also said the same thing.And we gave an application for address change on 22.12.2007 but till today the address is not been changed we have given the NRI Account Statment Of AXIS Bank,PIO Card copy,Passport Copy but still the address is not been changed copies given to Mr.Willson and Mr.Sandeep
So, this kind of haressment is been done with us please take a legal action on this both person.Manager is not having that much sence that how to talk with customer and how to behave with customer. I want feedback of this complain against Mr.Sandeep and Mr.Willson.

Regards,
Chirangini Desai
[protected]

Sir,

I was sent to Nigeria by an agent in Mumbai.I was not given monthly salary in India as promised.The MD (NRI) kept my passport with him as soon as I landed a Nigera.

They have harrased me & given me the return tkt whtn I deposited lot of money.
I returned back to India & now also they are threatning me for not to complain any where other wise they can do any thing.
The agent had switched off his mobile phone when I complained to her for not getting my salary.
Please let me know where should I complain & how to get the salary i worked there.

ICICIBANK — against collection department

Dear Manager,
ICICI Bank.


I would like to inform you that I am having SB a/c no.[protected] in the name of Abhinandan Sharma in your bank.

I have an issue with your Amex credit card complaint no.SR65104848 for your reference. I cant expect things happen with me, could you please explain
me why your collection manager Contact no is swithched oFF from the last 7 days when i am in big troulble i need to withdraw my own money but helpless
because the action has been taken from your collection department without informing me.

I know it will not affecting your bank if i closes my services and i will do that immedietely but my suggestion dont called people defaulter without knowing
the fact or realty. Please change your collection manager if possible or you will lose 10 customer daily.

I hope you never mind it, if possible pl go through my complaint and take immediate action.

Regards

Abhinandan Sharma

ICICI Bank Ltd. — Misuse of Documents & Payment Received from A/C Forcefully

Sir,

Icici bank has misused my documents in March 2007 & til date they are unable to retrieve the copy of the same documents to show me but inspite of them i paid many bills on time & after some time i stop using that card.

After levying Late payment & intrest charges the amt come to Rs 22000 approx & today the bank has debited my account with Rs 22000 aprox that & that money is deposited by my parents in my account bcoz i am residing 1000 km from Delhi & i am in need of that payment.

If today by evening i dont get the payment & it will hurt my good will in the market & then it will be a case of defermation of character.

Please resolve

HSBC — pan card not received

Dear sir,

My name is Mr. Manohar Ponnaganti i have submitted the form in UTI in 14may2008 and thr coupen no is[protected] and till today i have not yet received the pan card and my add is

MANOHAR PONNAGANTI
H NO 3-44
SHAKUNAPAKKE
KURRAPALLE
NELLORE-524226
MOBILE NO [protected]

please check and do the needful asp and if required u can contact on the above no, awating for ur reply.

Regards
P.MANOHAR

loan — Harrashment by Bank

Dear Sir/Madan
I am Shiv Kumar from Khanna. (Punjab). I have taken a Loan of Amount 30, 000 (Thirty Thousand) In September 2007 from Citi Financial, Khanna Branch. I am being totally harrashed from your Khanna Branch regarding payment. I keep minimun 15, 000 to 20, 000 in my HDFC Bank account, but I got so many calls from your bank regarding my payment, they told me that Sir your cheque has been bounched from bank. When I contact to HDFC Khanna Branch I they told me Sir you have sufficient balance in your account and no cheque has been bounnced. Two month back I got one more call from bank that time they were saying to me sir Your Loan has been cleared please take back your cheque from bank, then I said man I have just paid 7 Instalments how It is possible. When I reached at the branch nobody was caring about me, after a 2-3 hour discussion they came to know that my loan has not been cleared, Such Kind of so many incident has been happend with me regarding my loan case. I am 5 year old customer of HDFC Bank, I am having Credit Card of HDFC from 3 year I havent got even a single miscommunication from HDFC Bank. I am also customer of ICICI Bank, Allahabad Bank, Punjab National Bank they are also perfect their Field. Again I am requesting to you sir please please contact to ur Khanna (Punjab) Branch and teach them how to run business. Please once contact me over my mobile [protected]. If I never got any satisfactory result I would go to court and File a Case against your Branch cause of harrashment

Company — Collection agent sent through account closed

Dear Sir,

I am Pranesh Mathur . I had a Airtel connection ([protected]) which closed and paid the balance as advised by the Collection Manager Anirudh Rathore who is posted in Udaipur.
I made a payment of Rs 1000/- by cheque and was assured that the account is closed two months ago.
After that just two days back a collection guy came to my brother's place asking for money for the same connection though it was already closed as told by your collection Manager.

When i called him ...he again confirmed that account is closed and did give assurance and said that he would also send a mail on my personal ID saying that account is closed.

I have still not recvd any such mail from him though called him up and spoke regarding this.

Would request to take care of it immediately by sending a confirmation that the account is closed or else i wont give it a second thought and would right a mail directly to MD of Airtel.

(personal loan) — harresment calls from recovery agency

Dear Reader,


I have availed a personal loan from HSBC bank, i am unable to pay back the monthly EMI due to financial issues. I had requested the bank for time to repay the money. But i have been getting calls from the recovery agency, which talk non sense, and have to giving calls in spite of taking it to the bank asking the bank to stop this but still it continues till date. The calls uses abusive language and talks bad about the character of me and my family.




Regards
anu

ICICI Bank Ltd — Not received voter Id card

Applied for voter Id through online and concern officers came to my house and verified but still I havn't received any information or card.

i have one field collection executive job(my previous experience saravana agency form icici)

i want one field collection executive job(my previous experience saravana agency form icici)

strict action to be taken

ICICI Bank — Harrasement

Under extremely unfortunate circumstances, for no fault of mine, one of my Home Loan Cheque has bounced and this triggered off another set of my hardship and ordeal with this useless bank called ICICI.

First of all I received a call (three months back) stating the fact of bouncing the cheque to me. I asked them to represent the cheque to which they replied that as per their new policy (????) they cannot do this. I asked them to give me back the cheque so that I can issue a fresh cheque to them. They said this will be done only after my complete Home Loan is settled.

Very Well, then I need to issue a stop payment request to my Bank and I told them that I will issue them a fresh cheque. I took all the details and dutifully filled in the cheque and kept it ready. This cheque is now ready with me since 3rd January.

The ordeal started. An appointment for picking up the cheque was scheduled. Dutifully, so very characteristic of ICICI, nobody turned up. Ok I waited.

From then on I started receiving calls at weird hours and every 4th day as to why I am not making the payment. I am since then trying to reason out with them that your person is not turning up to pick up the cheque so what can I do.

After 2-3 weeks and giving at least 20 calls to me and still dutifully not sending anybody to pickup the cheque, they started to misbehave with me and started threatning to malign my credit history.

Fed up of all the non-sense, last week I asked them about an address where I could courier the cheque. The address given to me was as follows
ICICI Bank,
Collection Branch,
Near MG Road,
Bangalore

Now people who are not aware of Bangalore topography must understand that MG Road is an 8 KM stretch in the heart of the city and nobody in the world can deliver a courier on address like this. This I also tried to reason out with them but these dumbos will just not understand.

However they fixed up another appointment for picking up the cheque today and I was waiting for the collection guy to come.I wanted to do a Pooja and Offer some Prasad to him since like Lord Ganesh, I was waiting for his Darshan for long.

The most Funny part starts now - I received a call from this collection guy today. At last some action from a dumbo bank I thought. This guy tells me that he has to come for collecting the cheque but he is now in Shimla and he asked me to post the Cheque tto Shimla,

"But where? At what address?" I asked
"Address to nahin hain, Aap kahan se bol rahen hai" asks Lord Ganesha
"Aap Kahan hain", I asked
"Main to Shimla main hoon", Lord Ganesha tells me
"Shimla Matlab Himachal Pradesh Main", I queried
"Han Han Himachal Pradesh main", Lord Ganesha replies
"Mausam Kaisa Hain", I asked
"Bahut Acha", Lord Ganesh is very Happy now
"Aap kab Bangalore Aa Rahe Hain", I asked
"Bangalore ?????????", Lord Ganesha was Surprised
"Haan Bangalore se hi to Cheque collect karna hain", I explained
"Oh Tere Ki !!!, Aap Bangalore main hain" Lord Ganesha was surprised
"Haan Ji, Aapko Nahin Pata Kya", I asked
"Sorry Ji, Main Apne Bangalore Ke Aadmi Ko kahunga aapse cheque collect karne ke liye", Lord Ganesha is in a corner now
"Bangalore Main Kaun hain, Mujhe number dijiye", I asked
"Nahin, Hamari Madam hain, Kal aapse collection ho jayegi", Lord Ganesha replies

What I have done to go thru this ordeal, can somebody help me out. I am really fed up of this bank and appeal to everybody, Please do not listen to Shahrukh Khan and Amitabh Bachan, they are paid up for what they say.

Use your judgement, do not bank with ICICI

ICICI Bank Credit Card — Statement notreceiving at home as well as mental harasment from the local branch

Respected Sir / Madam,

I have a credit card of ICICI bank ([protected]). I have used 25000 Rs/-from it and made a installment at 0% interest. At strating i regurly got the statemtn from the said bank. but after 4 installmenti haven't receive any statement from the bank. I complained so many times to bank regarding not receiving the statement. I complained on phone banking as well as the credit card department. They are telling me that you will receive the statement within 15 days but till date i haven't receive any thing from their side. I am receiving the Saving account statement at regular basis from thier side and this credit card has been recieved on the same address.

I just want that I will receive the statement on regular basis.

Pls do the needful and revert me back on my e-mail.

Thanking You,
Bhavik Panwala.

My son opened salary account in a branch of ICICI BANK LIMITED in Bangalore. He was asked to put some signatures in different forms. Young one relied on the bank's agent. He was issued a credit card. After some a phone was received from ICICI Lambard. Recording the conversation an insurance- medical was issued in his for about Rs. 12000 ( converted into a monthly instalment of Rs. 500/). Credit facility has been squeezed or reduced for Rs. 12000/ from his credit card. In March 2009 Rs, 10000/ was charged by the bank official from his credit card for ICICI Prudential. On being challenged the bank sent an e-mail with a scanned of a signed form authorising the bank to do the same. While opening the bank account the official / agent got some signatures in the blank forms, which the filled in the later for their own business promotion.

Young generation has no time to spare for getting the remedial measures against such fraudulent activity of a reputed bank.

I read the news paper about the mode of recovery of loan by using the service of muscle men.

But my own experience with the ICICI Bank is quite different. I have purchased so many tax saving Infra Structure Bonds from the ICICI. They are Very prompt in giving service at least to me. I have still maintaining a ICICI Prudential Life Insurance . They are very prompt in giving service.

So, unless my son has experienced such fraudulent behaviour from this bank, I hardly believe this painful facts.

With regards.

Personal — agency complaint

sir, your agency for collecting personal loan in faridabad, haryana, is running in name of vision max-green field colony faridabad, agency owner and manager of your bank deals in with this agency, all together running this agency on fake basis as per the employees in this agency are below 18 years of old, they give them rs.[protected]p.m.and rest bill adjusted in between the managers of icici bank and agency owner.and they also submit fake cheques to met their targets for extra bill paid by the bank.
so, take quick bold and hard action against them, such managers and agency making bank go in loss as they also take money from clients and show them shift case.
you are requested to pleaase keep my name and id secret. jai hind

Personal Loan — harrasement & fraud recovery agent

dear sir,
i had talen a personal loan from icici bank . i use to handle my business but unfortunately due to financial problems i had to shut down my business ... i m still struggeling for my job ... which is very very difficult to achieve after shutting the business ... i had visited to bank many a times for making them understand my problem ... after that despite of requesting to bank by personal visit in andheri east office, i and my family was litterally been harrased by the loan recovary agents . the lewid language & bad words used by the agents are really horrible. they come and shout in front of my house and parrents in case of my absense .. even though they are intimated that i m not at home they still come home and start with nussense . also one of the agent offered me to pay 25000 cash to him .. he promissed me that he will settel my loan for that amount and that too with full proof from the bank . In my absense he came at my residense and promissed my parents to believe him so that all such harrasement will be stopped and their son will also be relived from bank tensions and tooked rs.5000.00 cash as advance to solve the matter ... and ... i m still in search for him, as i just know that he was from jogeshwari ...

Dear Mr. Hasmukh,

Kindly write to us at [protected]@icicibank.com with ‘Customer Service - Personal Loan’ as the subject line. Request you to provide your full name and contact details.

We will be glad to assist you.

Regards,

Nazia Sayeed
Office of the Nodal Officer
ICICI Bank

abn loan/pl — harrassment of late payment dues recovery

i get acall from a collection agent at around 2:22 pm today.Inspite of me telling him that he is calling me unnecessarily for this month.As i have already made my payment of this month's dues.Is their no updation of late payment charges that are deposited by the customer through cheque payment?Have you guys deployed goons in your bank to recover the money?I would appreciate that if you could use proper means to collect the same.Who is this tauseef khan?Can you confirm if he is your authorised agent/The Phone no used is 66211629and 40784947.Please address this problem.Thanks.

Greetings!


We are also facing a similar kind of situation. You have mentioned that you have attached a attachment of RBI rules for recovery agent which i dint get it. I would even want to know that what is the progress of your case.


Regards
B.T

kudos for the efforts you are putting in. all the best

HDFC Bank Ltd. — Mental Harasment By bank collection agents. They abuse

Sir/Madam,

This is samarjeet Singh my father is having a credit card with HDFC Bank ltd. We Made a purchase of Rs.25000 from my card for which i have recieved the statement with the amount converted in the EMI option. Although i have not requested for the same i should not be enforced to take such a loan. I could pay the amount which i spent at once.

To implement the same i called the customer care & had words with one of the executive & i was been informed that i can pay the amount which i have spent (Rs.25000+1230 Ltr spent) at once.
My payment due date was 25th of every month. So, i have to deposit check by 22nd of each month. So, again i made a call to the cust. care to reconfirm the amount to be paid. Over their executive told that i have to pay pre closure amt aswell as their is no request registered earlier for the waver. When i objected they made me talk with an Asst. Mgr Nitin Punia. Who said don't worry do not pay any thing untill we settle your case once it will be setteled Whole fine would be waved off. But unfortunately Nothing happened in the way told to me. Rather i started getting threatning & abbusive calls by the bank's collection department in Rajauri Garden (Ansal Plaza). The bank has spoiled my record with no valid reason. Plz help me to Get justice. Guide me the right way.


Thanx & Regards,
Samarjeet singh
[protected]

ICICI Bank credit card service — Extreme humiliation of ICICI bank credit card.

The ICICI Bank does not credited in my account([protected]) amoutn of Rs. 3556.00, refunded by irctc reference no:[protected] & [protected] dated 13-may-2009).

1. ICICI Bank never easily intimate or display in the statement with requisite pay refunded or payed by other firms.
2. The ICICI Creditcard Customer become 'ball' between the two stamps. The balling and bating are done by the representative of marchant and customer care of ICICI bank respectively.
3. Is there any legal solution or espousal for it.
4. Why customer is serving indirectly to bank instead of getting service from the ICICI bank?
5. why are the clear deatils of transaction never shown in the credit card statement. Is not that too easy to display the full deatils?
6. Why does always persist of hiding conspiracy or letigation ogf ICICIbank to exploit the innocent custmers?

The ICICI Bank does not credited in my account([protected]) amoutn of Rs. 3556.00, refunded by irctc reference no:[protected] & [protected] dated 13-may-2009).

1. ICICI Bank never easily intimate or display in the statement with requisite pay refunded or payed by other firms.
2. The ICICI Creditcard Customer become 'ball' between the two stamps. The balling and bating are done by the representative of marchant and customer care of ICICI bank respectively.
3. Is there any legal solution or espousal for it.
4. Why customer is serving indirectly to bank instead of getting service from the ICICI bank?
5. why are the clear deatils of transaction never shown in the credit card statement. Is not that too easy to display the full deatils?
6. Why does always persist of hiding conspiracy or letigation ogf ICICIbank to exploit the innocent custmers?

Dear Sir/Madam,

As per my conversation with you I need to bring to your attention my experience as an ICICI Bank customer.

My name is Hukam Singh, Jaipur, representative from ICICI Bank Limited Jaipur called me for Personal Loan and I filled up an application for Rs. 50, 000/- as Personal Loan from ICICI Bank before 2 year, Bank representative collect all documents required for Personal Loan, and told me that a Bankers cheque / DD of Rs. 50, 000/- as personal loan will be given to you with in 7 days.

After 15 days representatives of Bank told me on telephone that you came to branch and collect your cheque, you also bring 8 blank check because bank keep 8 cheques as a security and will returned you after completion of your loan.

I reach at Raja Park Branch and give him 8 blank cheque, after two three hours the bank representative said Credit manager went to main branch by a urgent work so you collect your cheque tomorrow. Next day he told me that your cheque of loan will given in next week because approval is pending.

After one week bank representative Mr. Pankaj told me that your approval has cancelled and I will return your documents and cheques after two three days because I am out of station.

But bank representative Mr. Pankaj have not returned my documents and cheque, after 1 year, in the month of August 2008, he called me sir, my friend is credit manager and your apply this time for loan, This time definitely we will give you loan, you give copy of your driving license and pan card and one photo.

On 10th August he came my office and said sir I will collect documents tomorrow from residence, you sign on this application form, I have signed on application form for PL of Rs. 50, 000/- and given him copy of driving license, pan card and one photo and next day has not came at my residence and within 7 days without any information Bank credited my SB account by Rs. 4, 88, 764/-. I was very surprised and told to bank representative Mr. Pankaj that bank direct credit my SB account by Rs. 4, 88, 764 in place of 50, 000/- by mistake.

I asked him for this heavy amount, the bank representative told me that bank released this fund in your account on behalf of your credit and good relations, but I don’t know, without any sanction letter, terms and conditions, without any income proof, bank credited my account by a heavy amount. I told to representative of Bank that I want to return this amount to Bank because I am not capable to pay interest of this heavy amount.

Next day I went to Bank and meet to loan manager and explained this problem, and loan manager have also told that we can’t help you because loan sanctioned and disbursed from Mumbai, so you contact after six months (means in the month of February 2009)

I meet to the branch manager, ICICI Bank, Mansarovar, Jaipur, he also told me that our Personal Loan Officer told you about this, loan office also repeat same language, bank have released the amount in your account, now before six months can not settled, you have to pay atleast six installment of Rs. 16030/- per month, after that we can close your account.

In the month of February 2009 I went in the branch and I said for close my loan account but manager said you have to pay 4, 72, 000/- + 5% closing fee ( that means around 5 lacs) Bank already withdrawal 96, 180/- from my saving bank account with in six months.

I have write many letters from August 2008 to March 2009 to Bank Officers (chairman, PL Manager, Branch Manager, CEO, Collection Manager, Credit Manager at Mumbai, Delhi, Chennai, Jaipur etc.) to close my personal loan, I also went in lok adalat in Jaipur in the month of February 2009 to close this PL account but have not received any response.

I explained to the Manager of ICICI Bank that I am working in an NGO, my salary is 6500 per month, residing in a rental house, how will I pay 16030 per month, please cancel my loan immediately, but bank had not listen my request.

Till dated I have not received any sanctioned letter, any terms and conditions, I don’t know what is the procedure for return the loan.

I planned that why not this amount invest in business and earn more money so that we can pay this amount with interest to bank and I have invest 4 lacs in market and lost this money. This time I am in depression of losses.

Bank representatives alternate day came at my office and residence for recover the money, many time I requested to bank that my income is 6, 500 per month I will pay this money from my income but they are doing bad behave with me and my family.

Executive of ICICI Bank doing behave with me:

1.Use ugly language with my wife and gave her mental torture.
2.Used foul and raw languages
3.Gave threats and was very abusive.
4.Taunted and tried to humiliate.
5.He was adamant and said that he will come in the night time to disturb till the time we do not pay him.

Mentioned a few words that they used, have a glance at the following utterances of that person –

1. "Jab tumhari paise wapas karne ki aukaat nahi hai to fir loan kyun lete ho"
2. "Ya to payment kar de, warna bahut tarike hain bank ke paas paise lene ke"
3. "Ek to tu payment nahi kar raha hai, aur upar se pooch rahi hai ki bank ne kil aadhar par lon diya hai".
4. ”Ham paisa dena jante hai to lena bhi jante hai”.
5 ”Tumto Kya Tumhara Bap Bhi paisa dega”



These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behaviour and language, which is legally and ethically against the Human Rights and Indian Penal Code.

I am filing a case in this Consumer Grievances Redressal Forum Jaipur and had appealed this court to make ICICI Bank and their recovery officer and agents involved compensating me for peace and happiness. I am also filing a case in Banking Ombudsman site www.bankingombudsman.rbi.org

I am attaching a said rules released from RBI so that consumers can get awareness where to go if they are facing same traumatic tensions or experiences due to financial institutes. An appeal is also be made to President of India and PIL should also be filed in Supreme Court about the Financial Institutes or Banks like ICICI bank and collection agency who misuses power of Section 138, 420, 406 on innocent clients. As because loans are taken by peoples to improve self quality of life and not to spoil own career. Circumstances at all time do never remain the same.

However during the course of loans, paying EMI - Business, health, and services can cease or pause, Natural disasters, casualties, diseases, accident, incidents, profit and losses are beyond human controls and bank should understand it. Wise bankers should not consider every client as cheat or slave. During such situation if the client fells, Bank should cooperate and not traumatize and humiliate their customers.

In all fairness, ICICI Bank should have at least checked our credit worthiness before going on this harassment and hounding 'rampage' till we had no option but to carry out our own investigation and point out the problem your Bank.

We hope that you take note of this experience and prevent the same from occurring again.

I am fully in depression, I don’t know what I have to do. I have lost my job presently I am jobless.

A copy of his letter is being sent to following people/email ID's –
[protected]@aajtak.com - for necessary coverage
[protected]@indiatv.com - for necessary coverage
[protected]@zeenews.com - for necessary coverage
[protected]@dnaindia.com
Thanking you,

Yours faithfully,

Hukam Singh
[protected]@gmail.com
[protected]

Harrasment by recovery agent
My name is abhirup bhowmick and i have taken a personal loan from our bank that's HSBC,
having the phone number [protected]

Due to some personal financial reason we are not in a position to
the outstanding amount as of now due to which one of HSBC recovery agent by the name of minak chokobriti is
harassing me by saying that "if you don't make the payment we will take it by jabardasti immediately" and using
all types of foul and offensive language

Hi..

I very much agree with you Sonia.These collection executives are unscrupulous rogues and need to be dealt with seriously as they do cause mental torture and agony to you and your family members both.

I faced some problems with HDFC bank.. for a very small amount of credit card.

I have some queries to be solved regarding my dredit card statement but not on customer care line its useless. I want you to send your concerned person to my office address.


Thanks

Sheik

hsbc invest direct ltd. — pan card not received

Dear Sir/Madam
I shailendra kumar sharma ,gave an application on 17th july 2009, for change in pan card &my pan number is BUFPS8961N.
I still not recieve my new pan card yet now.
so i request you to do needful in this matter on priorty basis.



Regards
shailendra kumar sharma
[protected]

Kindly do the needful asap.

hsbc invest direct — pan card not received

SIR,


I, Shailendra Kumar sharma ,has given a pan card application for correction in name.&my pan number is BUFPS8961N.
I HAVE NOT RECIEVE MY PAN CARD YET NOW.
kINDLY DO THE NEEDFUL ON URGENT BASIS.
THIS IS MY SECOND COMPLAINT .
WAITING FOR UR QUICK & PROMPT ACTION.

I have received phone calls from same number[protected] in Delhi giving my personal loan ref number and my residence address in Hyderabad. They have congratulated that I got bumper offer for Diwalu for regular repayment and an award of 3 Lakhs is waiting and requested for credit card details. I dont know why ABN leaks confidential information to junk people. This guy by name Bharadwaj has called N number of times.

Please dont give any credit card details or netbanking passwords to anyone.

I too have got a call from this number[protected], 40784947, [protected]), they seem to a set of crooks working with objective of extracting personal information from people.
Please beware of callers from this number. When I tried to ask about the caller he wouldn’t let out much information about himself and hung up.
I have repeatedly been trying to reach them in turn, but this number seems “Busy” or “ Not reachable”.
Watch out folks, don’t fall prey to these goons.
I got this message from 2 others about these folks on the web, thought will contribute to the awareness.

Sir i purchase a infra structural bond in year Mar 2005. two years I recieved fixed amount of interest Present year i could not receive any amount please advice

ICICI Bank — debited my mother's saving a/c for my credit card

My credit card no.[protected]
Dear,
This is the communication I made with ICICI bank and still struggling since last two months and after even taking the full payment they still deducting ecs charges from my mothers saving account. I was not even getting even my saving account statement, after requesting thousand time I finally got part statement which really shocked me.(without getting the statement. I am ready to pay the principal amount. I called up customer care as well so many times but no solution was given. Lastly i spoke to some mr.Vinay which confirmed me that your card status shows that it under settlement.
the statement provided from the customer care officer, which clearly indicates bank is not interested to provide the statement to the customer and and as per consumer he has no right to know what he is charging for.
Secondly I duly informed to call center and customer care about statement several time, I had the conversation which I had with representative of ICICI bank in which he clearly mention he has no coordination between collection department and customer care and he is unable to provide any resolution. He wants to me to go to customer care web site, which I do and the same response was given.
I am saying that I am ready to pay the principal amount and necessary interest; I am not going to pay any late fees or any other charges.
I am really disappointed with service of ICICI bank, no consideration for consumer problem and charging unnecessarily. It’s a looting of innocent customers.
I really loosing faith and scared to deposit any money in the bank.

Still hoping any positive resolution provided.

HI,

I totally agree with you. I have been dealing with other banks as well, but the way this rajauri garden branch of HDFC behaves, is below any standards. I think the recovery agents are far far better than them, they at least help you to pay your amount..,

I think HDFC doesn't care.., it is big, has good number of customers, and small people like me and you don't matter. Complaints are just a piece of paper to them, which goes to trash.

Rajauri garden, these people are probably accustomed to this.., i think they are trained to call and abuse the neigbors, family members etc. But they forget, that at the end of the day, they are human..., and they have to come out of their offices daily, and live in the same world we live in..

but alas my friend.., forget that your complaint has any purpose to the bank. it needs its money, and needs it now..., and would do anything to get it.

So, just pay off your dues, and severe your relationship with this heartless bank and its abusive staff.

Dear Janesh,

We're sorry to hear about your experience. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

ICICI Bank, HDFC Bank, Banking Ombudsmen — Discrepancy in money withdrawal at ATM

On 21-Sep-09, I, S.Karthikeyan, an ICICI customer, tried to withdraw Rs.20,000/- at at SHELL INDIA CHENNAI [HDFC Bank's ATM] along with another customer of ICICI whereas I received only Rs.6,000/- which was witnessed by that customer also. Immediately I regestered the complaint against the same - SR[protected].On 09-Oct-09, I received a reply saying "Please note that the acquiring bank has confirmed the transaction of Rs. 14000 made on September 21, 2009 to be successful. Hence, we will be unable to credit the disputed amount back to your account." which is a false statement.
Again I requested them to enquire the witness or check with the video clip at ATM but they neglected my request.
Then, i registered complaint against this with Banking Ombudsmen [RBI] on 23-Oct-09 [Complaint No. - [protected]]. I am really surprised as there was no acknowledgement and after waiting for 36 days also, i didnt get any response.
Once again i registered query saying 'No response for Complaint No. - [protected] and again No response yet!
Hence, i need my money back to my account with compensation and legal actions have to be taken against all authorities involved in this issue.
My details:
Account number[protected]
Bank - ICICI Bank Ltd, hosur
Name - S.Karthikeyan
Address - 91, Veerapandy road, Mallur-PO, Salem-Dt, Tamilnadu - 636203.
Contact number - +[protected]

icici P.L — hard recovery

Hi
my self manish dwivedi i had take a lone o[censored]r company icici bank rs. 3lac and i had deposit16 emi of the rs, 9129 rs.right now my finacaly condination is not good to pay 9129 stalment ur company recovery agent is tharhing to me abause to me . kindly stop this and cut my stlment of 9129

ennkee chooddd doo bank vaalo ke

Dear,
This is being so long that issue is not been resolved yet. I would like to cancel my account from ICICI Bank. My uncle Mr.Deepak Marwaha who is also NRI from Germany has cancelled his account due to poor customer service of your CP branch.
Kindly cancel my account


Thanks
Janesh
[protected]

ICICI Bank Ltd; — Laps and harrasement by ICICI Bank

That I would like to bring to notice that grave irregrularity of ICICI Bank Ltd and susequent harrase that it has subject me to.

This is a case of premature persentation of a cheque issued by me on
dated 16 th Feb2010 Cheque no.449936 in the name of ICICI credit card no.[protected] however ,ICICI bank credit card negligently processd the check day prior on 15th february 2010 and rejected the pretext of insufficient funds in my account as a role should not have carried out the trasaction cheque in question before the date specified on it. I dishounoring my cheque the bank has caused serious embrass to me and to top it all It has imposed and penality on the due which doesnot stand to logic and to make matters worst.I have been getting threatening call from the bank asking for early deposition of this penality and forfetuire of my salary. I am cosnstantly being harrased by the bank officers and threatend ef tire consequences

In this conclusion the Bank has made debit entry in my saving Account[protected] amount of Rs 45317/-

I request you to redress my grevience.

Copy to. RBI -Banking Ombudsman and ICICI CREDIT card DIvision-collection Manager

Loans & Credit Cards — Harassment by Bank Employees /Agents

Dear Sir,

This is in reference to recovery proceeding intiated by Banks and the strategic methods of harassment used by Bank in recovery of my laon. My story is like this, In the year 2007, i has good a good salary pacakage and i had all my accounts with ICICI Bank. At that point of time, i use to receive various calls form ICICI bank enticing for various cerdit card offres and personal loans. Being enticed by their offers, i took some loans and that too to pay back my credit card dues. Therafter i paid all the laon installments well in time till i lost my job in the month of April 2008. Thereafter, because of non avaibility of funds, i was not able to pay my istallments and thereafter i got a Job but it was not the same as before. Thereafter, i started receving calls from bank. Thereafter, in November 2009, i surrendered my car and slowly started paying my installments of personal laons (given Rs.20000/- by selling my bike) and credit cards. Though small amounts but l always paid it to them. Now, suddenly the ICICI banks has started using different methology of pressuring me to setlle all the loans at once which infact i am not in the capacity to do so. Couple of days back, suddenly reprsentative of the bank came to my house and asked me to pay the entire loan amount. I told him specifically that i am not in the capacity to pay it at once but i am ready to pay it in small installments. On which he said that if i will not get the laon amount repaid, the bank can write the my employer regarding this. I felt very afraid that if once the bank writes to my employer, i will lose my job and i told him that i will definetly pay the money back. Now, today i wwas in my offiice i received a call from my wife who was alone that some 5 to 6 people from ICICI bank have come for recovery and this was a sudden sock to me and i was not able to concentrate on my work and rushed back to my home. When i cam back, my wife told me that they forcibly entered he house and startiing asking her about loan repayment. I was in a great sock to hear all this. And my wife was also ver affriad of this things. I request the your to take this with ICICI bank as i am not feeling secure as teh bank is using diffrent kind of pressure tactics.

ICICI Bank Ltd — Regarding no action taken by ICICI bank officials on signed complaint submitted by me on 08-oct-2010

To: Consumer complaint Forum
Sir,

SUB: Regarding no action taken by ICICI bank offcials on signed complaint submitted by me on 08-oct-2010

ON 07-oct-2010 Rs. 24000/-(Rs 5000 and Rs 19000) was withdrawn from my bank account A/c No[protected] as a theft. I immediately got my online account blocked. I also went to Shivajingar Polivce station. First I was footballed between shivajinagar Police station where the bank account is and Aundh Police station where I stay(in Aundh). I was asked to report it to POlice Commisioner office - Cyber Crime branch where my experience was not very good and I was sent back to Shivajingar POlice station. ON insisting at Shivajinagar Pilice station they didn't filed an FIR and just stamped and signed my complaint saying the cyber crime officer will register the FIR soon. Till date neither the POlice have registerd the FIR nor the bank officials have acted on the signed and stamped complaint submitted oto them.

Instead they are accusing me of putting the Information on a fishing site.

I being a software professional there's no chance of my doing such a blunder and mistake.

THe next day itself with the help of bacnk personnels we found out online that the money has been transferred by some ANURAG BAJAPAYEE , Devas , MP into his account A/c No[protected] Mob No [protected]. What a tragedy we know the thief the accused but neither the Police is doing anything nor the bank officials.

Sir, I want my money back. Rs. 24000/ is not a less amount and it will help me get my mother's eye operation done.

Requesting you to please help and take this forward.

Thanking you,
Ajay KAlantri
Mob No [protected]
A/c No[protected]

Dear Mr Ajay,

We regret the problem caused to you. We have made a note of your contact detail and shall get in touch with you soon to resolve the matter. Thankyou.

Regards,
ICICI Bank Customer Service Team.

ICICI Bank — Harrasment by not closing my Loan0 after all payment is made)

• Name – NANDA GOPAL V
• Loan Acct # - LPBNG[protected]

Dear Sir/Madam,

My Name is Nanda Gopal and all the details of my Loan are mentioned Above and below is my complaint.

During my Loan tenure, There was a Penalty charge for cheque bounce on 18th December 2006 of Rupees 285. At NO point was I informed about the cheque bounce or penalty pending till the last month of the Loan tenure.

First week of Feb’2011, I personally went to the ICCI bank (Branch MG Road – Behind Bangalore central Mall) and Paid 350 rupees as penalty as ICCI bank was unable to tell me the actual penalty status due to their system outage (Issues with Server) Called them on back to back days However only response I received was that their system was down. Finally on 5th Feb’2011, spoke to a representative and explained her that I have already paid all dues and requested them to send me a copy of the statement with closed status and also update CIBIL as I was trying for a home Loan. I was told that this would take a total of 45 days for ICICI bank to update CIBIL, and also send me a statement of Loan closed.( My request was completely ignored by this agent)

On 3rd week of March I received a letter from Federal Bank (Bank that is issuing me HOME loan) stating that they see a pending payment from me to ICICI bank on CIBIL report. I Called ICCI bank and representative gave the same update of 45day that was given to me in the first week of Feb’11. I requested for a supervisor and spoke to Ranganath, I did explain him the complete situation, who promised me that he would personally close this issue for me with in 24 hours as well as call me and update me in 24 hours. ( My request was completely ignored by this Supervisor)


Called back on Last week towards the end of the Month and asked for Ranganath, I was told that he was on Leave/Off. I requested for Manager and I was transferred to Naresh, who told me that he is manager, at this time I had to tell Naresh that I was recording the call, and Naresh changed his statement that he was at the same level as Ranganath, I did inform Naresh that Federal bank has again requested me for statement in order to process my Home Loan, Naresh told me that he has placed a request and I should be receiving the statement in 2 hours and its been a week I am been waiting for a statement after paying all the money I owe ICICI bank. ( My request was completely ignored by this Supervisor)

I am hoping that this Written complaint is definitely fetching me resolution. I am definately one of the most dis-satisisfied customer.

With all these years of experience as manager for customer service, I feel this is absolute harassment, Abusing, Ignorance, Negligence in the name of customer service. I strongly recommend you to demote Ranganath and Naresh for their negligence and terminate the agent who promised me that with in 45 days every thing would be taken care off

Regards
NandaGopal.V
[protected]

Dear Sir/Ma ‘am

It is to bring to your notice that I Shailly Manchanda is an A/c (A/c no: [protected]) holder in IDBI bank.
On 8th Oct 2010 I chose the withdraw option entering Rs 10000 from ICICI’s ATM but maybe because of some problem with the ATM the screen went blank during the transaction due to which I had to cancel it. ICICI bank dispatched the money for the cancelled transaction which I never received. My second transaction was successful and I only received Rs 10000 and for no reason I had to suffer a loss of Rs 10000.
A no. of complaints have been filed against ICICI through IDBI bank but all in vein as initially they sent unsatisfactory mails telling that the money has been processed. Being unsatisfied with the replies the complaints were filed again to which they finally sent a JR copy which says that both the transactions were successful. Why on earth should I bear a loss which I am not meant for. I want ICICI bank to crosscheck their ATM transactions on 8th Oct 2010.
I hope you will take this matter seriously and sort it out as soon as possible at .
A quick action is anticipated.

Yours sincerely
Shailly Manchanda
[protected]

ICICI Bank — Misuse of ICICI Bank A/C by frauds

Dear ,

Regarding: Misuse of ICICI Bank A/C by Frauds

I Mahesh Naik, having account with ICICI bank with account no.[protected]Belguam branch Karnataka).
Last week, on 18 May 2011, my id is being misused by fraud. My account is debited 9000/- without to my notice.
Then I approached ICICI branch- Manyata Tech Park (Bangalore) & Malleswaram Branch(Bangalore). But I did not get any help or concrete information about the transaction made by those branch people.
My OTP or account information is not being shared with any one. I kept those personal information with me only.
I talked to customer care (ICICI) Chennai, they raised a request no.[protected].I came to know that transaction made from my account by fraud was for recharging the reliance mobile currency.
Today I called customer care, then there executives did not furnish me any clear cut information and there behaviour is not good with customer

I am really surprised by the unknown transaction made from my account by fraud in an esteemed & secure bank ICICI. Its really shocking.
If this is the case, then how come people will believe & invest in ICICI bank? What security ICICI Bank people are providing? How do they ensure that investors money is safe in ICICI?

Thanks and Regards
Mahesh Naik
+91 [protected]

Don't request online. go to police and file a compalain against the person, who tries to be ovesmart, If wish to get rid of these obstacles in life.

Koi jungle raaj nahin hai hindustan me ki kaoi aake aapke ghar me aapki beijjati kare.Lekin ye aapki soch hai ki aap beijjat hona chahte hain ya anto social element ko unki aukaat dikhate hain.

HDFC — Unending EMI

Sir
I availed Resident Top-up loan of Rs.1,00,000/= (Loan Account No.[protected] Effective Date 07.02.2005. As per the ‘Home Equity Loan Agreement’ Executed between me and the HDFC way back in 07.02.2005, the term of repayment is 84 months and the EMI is Rs.1559/= . Date of commencedment of the first EMI is 01.03.2005 and the date of conclusion is 29.02.2012. The above figures are in black and white in the agreement executed. With the jumbling of terms like Adjustable Rate Home Loan Scheme, Retail Prime Lending Rate, etc the Last EMI payable was extendeded to May 2012(Their Communication dt:16.06.2006). From February it further extended to May , then it moved on to December 2012 (Their Communication dt:18.08.2007). Now surprisingly the last EMI payable has still extended further on to January 2013. As per the Agreement, the last EMI payable is February 2012, but as per the latest communication the last EMI payable is January 2013. The Scheme appears to be very funtastic with ever changing EMI for an unchanged principal. Going by the system, I believe one cannot prodict when the Loan will come to an end strictly following the EMI. The EMI is becoming a MEGA SERIAL. Is it legally fair to spread the EMI without consent of other party? Is singning the Agreement as 84 EMIs and repaying the Loan with 95 EMIs is right? Please enlighten me. Vazhga Valamudhan V. BALASUBRAMANI

no body can advise me from bank . thanks

I had a card with ICICI, which got irregularised from late 2007 onwards, as I lost my job. Presently I am working as agent on commission, and unable to attend to my family needs properly, seeing this I have asked the collection agents from the bank that I will be able to start repaying from February 2012, when two person from the collection agency visited my house, one was Mr. Krishna Mobile no. [protected] accompanied by someone senior to him. They seemed to agree about the same. But today I recieved a call from[protected] and a lady named Yamini/Damini (which might not be her real name) started pestering for payments, kept on repeatedly calling me and harrassing me with abuses. She also told me that she is from Videocon Tower, which I am sure that s.he is bluffing and she is from the collection agency most probably Friends Associates of Lakshminagar.

I am contemplating taking the legal course against the bank, in this regard, if anyone is interested in taking up similar matter jointly please contact me at [email][protected]@yahoo.in[/email]

I am sachin mistari availing Personal loan of Rs. 23000/- from ICICI Bank on 2004 my monthly EMI is Rs.1363/-, I am paying more than 20 emis of that loan 1363*20=27260.Also i have consumer loan with ICICI there are only 8 emis & bank is debited from my saving a/c 12 emis. I had made a complaint to local collection manager Mr. Sachin Patil but he said i am not responsible for that, Said issue i will talk with ICICI seniors authority they are siting in CO of ICICI bank but till my problem is not resolved. that time i am talk with collection agency i am not pay your personal loan because they are cheat me. Now Miss. Arya & prachi call to my home & talking with very bad language with my mother & i am asking him about that they are talking with very abuse word. she is lady & she is dont know what she will talking, Means that type of employee ICICI bank is Hiring. Now i am completing both of them to ICICI seniors, Police station, & civil court.

Sub: Complaint against the ICICI Collection agent harassment

Dear Sir/Maam,
As per my conversation with you I need to bring to your attention my experience as an ICICI Bank customer.

My Name is Jitu Lagachu form Mumbai, Koperkhairane, and i had a loan seven years back from ICICI.The loan i had it that was without any documents.On that point of time i was having problem and i approch to agency who deal with ICICI loan.He told me it will be done within 2-3 days only i have to sign and submit one photo graph and i have to provide my account number.I gave all then loan had bee passed and credited to my account of without going anywhere.Even i was not aware what is my loan number.then after i was out of job because of my health issue.i have a hert issue and i had 2 major attack.Doctor advice not to work anymore because i have also Fits.Now collection agency agent harassing me and my family.they always come to my house abusing my wife badly.i told them give me sometime i will repay but they are abusing very badly because of collection agents my wife also fall in seek.

1.Shouted at my wife and gave her mental torture.
2.Used foul and raw languages
3.Gave threats and was very abusive.
4.Taunted and tried to humiliate.
5.Done some indecent act –snatched my wife's mobile to talk to me.
6.He was adamant and said that he will come in the night time to disturb till the time we do not pay him.
7.He was very rude and harsh and kept on shouting- even though she (wife) said him that she is a heart patient.
My wife gave him a date to come and collect the payment but he was shouting and saying that he would sit at my place all day till the time we don't pay him.
And to mention a few words that he used, have a glance at the following utterances of that person –

1. "Jab tumhari paise wapas karne ki aukaat nahi hai to fir loan kyun lete ho"
2. "Ya to payment kar de, warna bahut tarike hain bank ke paas paise lene ke"
3. "Ek o tu payment nahi kar raha hai, aur upar se pooch rahi hai ki identity card dikha".


Also i have a small kid age 4 years.My son goes to babyseating center because of my health issue, my wife wok in a call center.collection agent called to babyseating center and abuse the faculty of the center.bebycare center called me and inform that they can not keep my child because of harassing by ICICI collection agents even agent told to us if we are not repay soon they will take my son away from babycare center thatswhy i am not sending my son there also even then i have Fit and heart issue.my wife has to go to work because she is the only person who is looking after our family.i am very much depress because of these kind o[censored]nsual activities by ICICI collection agent.

These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behaviour and language, which is legally and ethically against the Human Rights and Indian Penal Code.

I am filing a case in this Consumer Grievances Redressal Forum Mumbaii and had appealed this court to make ICICI Bank and their recovery officer

I am attaching a said rules released from RBI so that consumers can get awareness where to go if they are facing same traumatic tensions or experiences due to financial institutes. An appeal is also be made to President of India and PIL should also be filed in Supreme Court about the Financial Institutes or Banks like ICICI collection agency who misuses power of Section 138, 420, 406 on innocent clients. As because loans are taken by peoples to improve self quality of life and not to spoil own career. Circumstances at all time do never remain the same


In all fairness, ICICI Bank should have at least checked our credit worthiness before going on this harassment and hounding 'rampage' till we had no option but to carry out our own investigation and point out the problem your Bank.


We hope that you take note of this experience and prevent the same from occurring again.
A copy of his letter is being sent to following people/email ID's –
[protected]@aajtak.com - for necessary coverage
[protected]@indiatv.com - for necessary coverage
[protected]@zeenews.com - for necessary coverage
Some actions taken by RBI
Note: Wednesday, April 18, 2007
Mumbai High Court verdict against use of Gundaas by ICICI


Note- Pl find the attached RBI Guidelines for the recovery agents.


Yours faithfully,
Jitu Lagachu
[protected]@gmail.com
[protected]

Myself Mr Ashok Nana Pawar from Mumbai, Chembur. I had availed ICICI bank CC loan in the year 2008 which I paid the EMI installments honestly and regularly without missing any installments for 2 years. The loan was taken for the Shares which from CITY LIMOUSINE which was later shutdown due to fraud cases in 2010. We were working with Hotel renaissance and about a staff of 35 to 40 people had taken loans for the same shares from diffrent banks. All has a big mishaab due to this issue. We tried getting through the courts and were in a big trauma as none o[censored]s was able to recover the amount which was taken from the banks. I decided to close the loan account as I was not able to pay the heavy EMI's due to economic slowdown and extremely low financial conditions. I had visited bank for the same number of times. After 6 mnths or so, an agent was sent to my house for the recovery. We started an installments of 1000 rs per month which was affordable for us and paid the emi for about 6 mnths which missing. The agent stopped coming then after. Agent was changed and the next agent paying as well. That agent also stopped visiting my house. That's when my trauma started. My family, my children, my neighbours and relatives were subjected to unending calls asking for the money. Even after informing the caller of the situation, the calls did not end and at times were threatening in nature. These recovery henchmen calls anytime on phone, mobile, irrespective you are sleeping in early morning or late night. I was in a search of jobn when the ICICI agents use to come home for the recovery when my wife and daughter was alone at home. They started following everyone for the same. My wife had ruined her mental and physical health both because of horror of ICICI Bank recovery agents. My daughter who is married on her own and is going though a problematic personal conditions due to inter caste is also being harassed for the same. Her family members, brother- in law is also getting calls for the same. She is being threthened of getting to her house and distroying her relation with the inlaws.
This is really getting hectic and a big mental torchure to my family members. None of the policies says that If I don't have money to pay the loan amount you guys will start harassing my family and friends. No legal procedure is used and the agents blabber and speak in a very unethical and unprofessional language. Which is really not expected from a bank like ICICI.
During the course of loans, paying EMI - Business, health, and services can cease or pause, Natural disasters, casualties, diseases, accident, incidents, profit and losses are beyond human controls and bank should understand it. Wise bankers should not consider every client as cheat or slave. During such situation if the client fells, Bank should cooperate and not traumatize and humiliate their customers. During such destiny laid stages, if the bank could not support the hospitalized client (loan taker) on ventilators at least it should also not try to pull the tubes of oxygen. I feels like committing suicide due to this torchure sometimes but I get my step back only for my family.
I am really not in a condition to pay such a huge amount of 5.5 lakhs where in my loan amount was 2.25 lakhs initially. I am ready to do a settlement after a big harassment and torture of rs 10-15 k .
We hope that you take note of this experience and prevent the same from occurring on daily basis and should have some speedy resolution and should be dealt immediately.
Thanks
Ashok Pawar.

I am getting calls from [protected] saying that they are from ICICI Bank and Some applied for loan to disburse the amount they are calling me.I told clearly that I had not applied for any loan and don't know any person in this regard.Now they started thwarting me and interesting part the has been made by a girl and she is using abuse language

Prabjot Singh Arora
[protected]
[protected]

Dear Mr. Arora,

We regret any inconvenience faced. We have made a note of your contact details. Our official will get back to you and assist.

Regards,
ICICI Bank Customer Service Team

Hi,

ICICI being so unprofessional I just can't believe... I am a house wife nt taken a single amount from ICICI . One defaulter of ICICI was in my Facebook friend list. Hence forth guys plz ask ur known or unknown frnd that are they hav any loan act with ICICI, , if yes then plz dnt accept their frnd reqst in fb otherwise ICICI will collect their money from you.. what happened to me is.. though that defaulter was just in my fb frnd list, ICICI recovery agents r calling me like hell. I told them I am 7 months pregnant cant take any kind of stress, argument but they r unable to listen me. They r calling everyday and harassing me like hell. They r treating me like I am the defaulter. Today morning they called me and talked rubbish abt my character.. Can u believe it !!! They abuse my husband.. Though we hav no connection with any loan.. we r nt the defaulter... u cant take anyone's number from facebook and call them harass them.. These are the proson who r harassing me.. Vishal Tyagi - [protected], Neha/kajol - [protected], Nitin - [protected] .. specially I got call from Neha alwz. They r calling from Delhi recovery agency as they told me this..Plz help.. I m pregnant. I wish my baby will be fine.

What happen after that ?

i also suffering that type of situtation .

Dear ICICI Bank,


My name is Atul Sharma and from past few days we are getting some disturbing, filthy Life threatening calls regarding collection of some loan which we are not even aware of


During this process I have been communicating with some guy who names himself as Amrindar singh, (phone Number [protected]) and tells that he works with ICICI Bank there seems to be some calls given to my family/friends also regarding this. He is use very abusing language with my wife on her work place land line number.


I am sure that I have not provided any of these these numbers to ICICI Bank ever . Upon asking Mr. Amrindar Singh about the source of these numbers he continued to provide unsatisfactory reasons and misbehaved. While talking to both me &amp; my Wife also on her Phone number.


He started to abuse and threatened statements like:


1. Now see how I'll call your friends &amp; family and abuse them.
2. Now see how I'll come to your house and beat you up
3. Mujeh pata hai teri lugai kaha kaam kerti hai, kab aati hai, jaati hai .


He is behave like typical gunda I don't understand how to appoint ICICI these type of people.
I am sorry to inform you that, I think process to initiate a legal action against this person and the collection agency along with the Parent Bank who hired this agency will also be reporting this incident in Public Forums.


As of now I will be putting all these violations.


(1) Violation of RBI Guidelines for Collections.
(2) Verbal &amp; mental Harassment
(3) Life threat
(4) Public humiliation at our workplaces &amp; with in Friends &amp; family
(5) Illegal Extraction of our Mobile Phone Bills


Also, I would request you to let me know what actions would ICICI bank take against this humiliating behavior.


Atul Sharma
[protected]
[protected]@hotmail.com

prepaid mobile recharged but amount not updated please refund

On date 03/10/2013 i have recharged from my saving account online prepaid option on icici internet banking bil no[protected]/1028/[protected]/91941 for rs110 but amount not got refund back amount.please look in to matter

debit of rs 652 without any reason from my account

i have account in ICICI bank, sonebhadra branch, U.P., . ICICI have debit rs 652 from my account, when i tried to contact them and ask the reason the didn't clarify me. They put my phone on hold 3 times.

icicibank deducted my money

Hi, What is BIL/[protected]/NchgRs2.50STRs0.31 deducted from my account? What is this nonsense?

Re-Dispatch procedure for credit card is not clear

Procedure for re-dispatch of ICICI credit card is very confusing. Also upon asking for delivery of credit card to my permanent home address, the card got delivered to my correspondent address.

I am constantly getting threatning calls from one of the Icici bank representative from Monday. Agent "Krishna" is calling me from the unknown landline numbers[protected], [protected], [protected], [protected] and [protected]. He is harassing my family members by calling them again and again when I am unable to pick up the calls. He is using filthy language over the calls and threatening me of dire consequences. According to him I owe 62000/- Rs for the use of a credit card which I have never used. According to him the card number ending 9000 was used between[protected] and I owe 62000/- Rs to ICICI Bank. I explained to him that I have never used such card and I did not even know about it. I have 4 credit cards (One main and 3 add-ons) issued by ICICI bank in the Month of January 2016 and no cards carries the number ending with 9000. Krishna said that I will have to pay the dues of card ending 9000 even if I haven't used the card. He is calling and harassing me and my family members every now and then. I am feeling so depressed these days due to his calls and feeling like to end my life by taking any extreme step. Over the last conversation with my mom he has use false language even after my Mom assured him to pay 30000/- next month. This offer was given by Krishna to settle the dispute. Even though I am ready to pay 30000/- Rs next month he is constantly calling me and my family members to pay the amount this month only. I have already explained my situation to him but he is not ready to listen. He is acting like a God right now who can do anything. It seems like my life is in hands and I am a puppet. I am ready to pay 30000/- for the debt which I never owed. Because I can't tolerate anyone to use abusive language with my family members. My Mom is also in depression and she has threatened me to end her life due to the harassment calls by the agent. This is not the way to recover the money from people. I am with icici from past 10 months and i have my salary account with them. I have worked for more than 8 years in my previous organisation and i had a salary account with HDFC at that time. HDFC issued a credit card to me and also sanctioned a loan in the past. I have repaid the loan with all the EMI's on time. And I am also using the HDFC credit card without any hassle since 2007. This is the first time I have ever seen in my life where you need to pay the debt which you don't even owe. When I asked for the details of Icici credit card, Krishna asked me to visit Jhandewalan but later he refused to give me the address. I wanted to see the transactions so that I can figure out the actual situation.

ICICI Bank should have at least checked our credit worthiness before going on this harassment and hounding 'rampage' till we had no option but to carry out our own investigations.

Please look into the matter and take the strict action.

Regards,
Manoj
[protected]

Dear Mr.Tyagi,

We are sorry to hear about your concern. We have made a note of your loan account number.
Our official will contact and address your concerns.

Regards.
ICICI Bank Customer Service Team

Sir,
I applied for closer of my Demat account No [protected] on 27 Aug 11at Medical college Trivandrum well before due date for AMC. In the month of Oct 11 I came to know that AMC of Rs 559/- approx has been deducted from my a/c. I spoke to customer care in 1st week of Nov 11 and I was told that my Demat a/c is not closed yet because 2nd holder has not signed the closer request. Any way it was done somewhere on 12 Nov or so, but till date it is not conferm that my a/c is closed or still active.
I further request that my a/c may please be closed at the earliest and the amount which has been deducted against AMC for current year please be refunded.

Thanks... Pushp Kumar

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Dear Sir,

Please send us your contact details at [protected]@icicibank.com and our official will get back to you soon to assist you. Kindly refer '47035137' in the subject line.

Regards,
ICICI Bank Customer Service Team.