ICICI Bank Complaints & Reviews

ICICI Debit card cum ATM Card/Credit card — Grievance pertaining to my ICICI Credit Card fraud and unauthorized deduction from my ICICI Bank Saving Bank Account.

Dear Sir/Madam,

I have already written complaint to you earlier regarding my credit card fraud please refer the trailing mail, after your intervention/response one of Senior Official from ICICI Bank, Credit Card Division Hyderabad 500 034 namely Mr S. Venketswara Relationship Manager (Direct No [protected] ) called me up and gave me false telephonic assurances that their team is looking after my case but nothing concrete has been done on the subject as on the date after having almost three weeks.

Yesterday on 24th day of February Mr S. Venketswara Relationship Manager ICICI Bank, Credit Card Division Hyderabad told me on his telephonic conversation that he is not responsible for my case and denying the same of his earlier telephonic assurances in which he has given me assurances that certainly he will be resolving my case within four working days and also he will be sending mail to me.

Nether he is giving me his Official Bank Email Id nor given me satisfactory answer and the concerned person's name and address from his bank to whom should I approach for my grievances.

Through this mail once again I would like to bring my issue with ICICI Credit Card department in your notice. I think you will certainly help me out in this regard.

This issue will not only help me but some of the other people suffering from irresponsible behavior from Credit Card Department and unfair trade practice adopted by the Private Banks (ICICI).

.


Kindly go through the mail, i wrote to ICICI Bank at different levels. this kind of several mails i have written counting up to 40 nos.

The Payment is deducted without my knowledge & permission.

Now keeping in mind the severity of the matter, I wanted to report the following concern with you:


• When the person who is caught red handed by the police authority with my credit card and all the merchandise which he purchased through my credit card and when the matter is also subjudice before the District Court of Gurgaon then why this deduction happened?
• Despite having all the knowledge by the ICICI Bank of the fraud, the act o[censored]nilateral deduction from my Saving Account (ICICI saving Account No[protected] amounts to Forgery by ICICI Bank.
• Without my permission and/or information how the ICICI Bank deducted my Saving Bank Account No[protected] for my credit card payment?
• This is unjust, unfair and amounts to forgery.
• When ICICI Bank doesn’t have credit card fraud detection & prevention system and a proper customer care system dedicated to Credit Card misuse, why they are issuing credit card to the people?

• Despite acting diligently and acting in bonafide, if the customer like me is still on the losing side, then what is the regulatory mechanism to curb the arbitrarily practice adopted by the Private Banks (ICICI).
•


I will be very much thankful to you if you take initiative to resolve my issue.


Regards,

Sharad Chandra
Executive Legal Compliance Management Operations
[protected]@chessconsulting.com
Office: Chess Management Services Pvt. Ltd
Building No. 9A, Ground Floor
DLF Cyber City,
DLF Phase III,
Gurgaon - 122002
Haryana
Website: www.chessconsulting.com
Contact no. +91- [protected]

“Please see the trailing mail for your reference”



Grievance pertaining to my ICICI Credit Card fraud and unauthorized deduction from my ICICI Bank Saving Bank Account
Dear Sir/Madam,

Through this mail I would like to bring to your kind notice the fraud which has happened to my ICICI Credit Card on 30th June 08 by my room partner (Kanwarjeet Singh Sethi) and after I have lodged a police complaint in this regard, he has been caught red handed by the Police Authority with my credit card and all the merchandise (Total Transaction Rs. 49047/-) which he has purchased through my credit card. Further I would also like to bring to your notice that the matter is SubJudice before the District Court of Gurgaon.


In order to safe guard my interest, I have brought this fraud to the notice my banker (ICICI) through several Telephonic calls and mails and as per their instructions, I have also lodged a written complaint along with a copy of FIR ( FIR Number 176 dated 2nd July 2008) and other relevant information with the ICICI and accordingly the Bank has given me a temporary credit for the amount.


But on Sunday (25th Jan'09), I was shocked to see that the ICICI Bank has debited my ICICI Bank Saving Account for Rs. 55490.79/- on 20/01/2009, being the amount towards the Principal transaction and the Interest on the principal and that too without any authorization and prior intimation.


In this regards the Bank Branch has advised me to contact their Collection Division at Rohini and accordingly I have discussed my concern with Mr. Sushil Rana, Branch Manager, Credit Card Department, SD Community center, Sector-8, Rohini, Delhi. (His Personal Contact No. +91-[protected]) on 29th January but nothing concrete has been done on the subject as on the date.


Now keeping in mind the severity of the matter, I wanted to report the following concern with you:


• Despite having all the knowledge by the ICICI Bank of the fraud, the act o[censored]nilateral deduction from my Saving Account (ICICI saving Account No[protected] amounts to Forgery by ICICI Bank.

• Despite acting diligently and acting in bonafide, if the customer like me is still on the losing side, then what is the regulatory mechanism to curb the arbitrarily practice adopted by the Private Banks (ICICI).


After undergoing so many problems and suffering due to the Irresponsible behavior by the ICICI Bank, I have been subjected to the Mental Trauma.


Therefore, I would request your personal intervention in this matter to resolve this matter at the earliest. Also I wanted to brief you in this regard in person, if possible.


Following are the certain important details in this case:


A. The details of the transactions are as follows:

1) Rs.10199/- At Big Bazaar
2) Rs.2280/- at Woodland
3) Rs.5397/- at RPG Celcom Pvt.Ltd.
4) Rs.20950/- at Hot Spot
5) Rs.3900/- at Sahara Mall
6) Rs.5000/- at Reebok
7) Rs.1321/- at Reebok

Total Transaction amount: 49047


B. The details of my ICICI Credit Card are as follows:
1. Complete 16-digit credit card number No: [protected]
2. ICICI Request Number (Complaint Number): SR 71577845
3. Complete Name (Name of Card holder): SHARAD CHANDRA
4. Fraud Transaction date: 30-06-08


C. FIR Number 176 dated 2nd July 2008



Regards

Sharad Chandra
Office: Chess Management Services Pvt. Ltd
Building No. 9A, Ground Floor
DLF Cyber City,
DLF Phase III,
Gurgaon - 122002
Haryana

Residence: Q 5/16 DLF Phase-II
Gurgaon, Haryana
Contact no. +91- [protected]
Email ID: [protected]@yahoo.com
Adv.[protected]@gmail.com


Place: Gurgaon
Date: 11/02/09

Please see trailing mail and communication happened between me and ICICI Senior Official People. Now there are not picking my phone calles. Being a Lawyer I am suffering that much harassment from ICICI Bank than just imagin the sitiuation and see they can do any thing to any body else.

Dear Mr. Rana,





I have seen the forwarded mail that has come to me. Although its not clear to me, what action you are going to take to resolve my problem. Yesterday i tried to contact you and Mr.Saurabh Ganguli but he has not picked up my call and you also seems to be busy After reading the trailing mail, I understand that the Senior Official’s of ICICI Bank Credit Card Division are not willing to help in my case, as even after explaining my problem in detail. Now you people don’t have the courtesy to attend my call and explain me the current status of my complaint. If this is the kind of solution that you would provide to your Customer, then I think that I should highlight this thing on the larger scale. For this purpose only I have contacted few Print Media and Television Media people to help in getting my concern heard at the Management Level of ICICI Bank.



Further more, for your information I am qualified Advocate and I am persuaded to take this matter to the next level and now I am moving to the consumer court for the early redressal of my concern and i have to make you also a party to it. Also I have spoken to Shri H Kulshreshtha
Banking Ombudsman Reserve Bank of India Building 2nd Floor, 6, Sansad Marg New Delhi – 110001 for the Delhi / NCR Region and they have also assured me quick relief in my case.



I would also like to bring to your notice that I am working with Chess Management Services Private Limited, owned by Mr. Kartik P. Chidambaram, son of Hon'ble Home Minister Mr. P Chidambaram. I have discussed the matter with my management and they have assured me that they will take up this matter with nothing satisfactory done at your level.



Looking forward to an early SOULTION to my problem.



Regards,



Sharad Chandra



Executive – Legal Compliance Management Operations

[protected]@chessconsulting.com



Office: Chess Management Services Pvt. Ltd

Building No. 9A, Ground Floor

DLF Cyber City,

DLF Phase III,

Gurgaon - 122002

Haryana

Website: www.chessconsulting.com



Contact no. +91- [protected]

Email ID: [protected]@yahoo.com

adv.[protected]@gmail.com



Saurabh Ganguli <saurabh.[protected]@icicibank.com> wrote:

Date: Sat, 07 Feb 2009 18:25:54 +0530
From: Saurabh Ganguli <saurabh.[protected]@icicibank.com>
Subject: Re: 'ICICICARE=[protected]' Fwd: RE: level2complaint/ Credit Card
To: AVINASH DUBEY /DSMGCARDS/IBANK/DLI <avinash.[protected]@icicibank.com>
CC: Sushil Rana <sushil.[protected]@icicibank.com>,
sharad chandra <[protected]@yahoo.com>,
sharad chandra <adv.[protected]@gmail.com>,
vivek ran <[protected]@yahoo.co.in>,
anupam chandra <[protected]@gmail.com>

Dear Avinash,

Mr Sharad Chandra is repeatedly complaining to Mr Rana about his issues but we are helpless as the card is in J3 block. Please offer advise to the customer.
Thanking you,


Regards,
Saurabh.



Sushil Rana wrote:

Saurabh...Pls take it forward and resolve the issue on priority...Thanks,

----- Original Message -----

From: sharad chandra

To: sushil.[protected]@icicibank.com

Cc: sharad chandra ; sharad chandra ; vivek ran ; anupam chandra

Sent: Saturday, February 07, 2009 1:17 PM

Subject: Fwd: RE:'ICICICARE=[protected]' Fwd: RE: level2complaint/ Credit Card



Date: 7th February 2009



To,

Mr. Sushil Rana

Branch Manager,

Credit Card Division

ICICI BANK LTD.

Sector 8, Rohini, Delhi

Direct No. +91-[protected]



Subject: - Grievance pertaining to my ICICI Credit Card fraud and irresponsible behavior of the ICICI Bank



Dear Sir,



As per telephonic conversation happened with you regarding the dispute of my ICICI Credit Card and as desired by you I've already sent you mail regarding FIR & Rejected Bail Plea for the person who has stolen my credit Card for your verification and by seeing the trailing mail you can understand that we have already talked about the issue and you promised me to get back to me in 7 days of time but I did not get any reply from your side and nothing concrete has been done on the subject as on the date.



Again this is my last mail to you through this mail I would like to bring to your kind notice the fraud which has happened to my ICICI Credit Card on 30th June 08 by my room partner ( Mr Kanwarjeet Singh Sethi) and after I have lodged a police complaint in this regard, he has been caught red handed by the Police Authority with my credit card and all the merchandise (Total Transaction Rs. 49047/-) which he has purchased through my credit card. Further I would also like to bring to your notice that the matter is SubJudice before the District Court of Gurgaon.





In order to safe guard my interest, I have brought this fraud to the notice my banker (ICICI) and their customer care through several Telephonic calls and mails and as per their instructions, I have also lodged a written complaint ( ICICI Complaint No. SR[protected] along with a copy of FIR and other relevant information with the ICICI and accordingly the Bank has given me a temporary credit for the amount.





But on Sunday (25th Jan'09), I was shocked to see that the ICICI Bank has debited my ICICI Bank Saving Account for Rs. 55490.79/- on 20/01/2009, being the amount towards the Principal transaction and the Interest on the principal and that too without any authorization and prior intimation.





In this regards the Bank Branch has advised me to contact you at your Collection Division Credit Card Department, SD Community center, Sector-8, Rohini, Delhi and accordingly I have discussed my concern with you on 28th January’ 09 but nothing concrete has been done on the subject as on the date.





Now keeping in mind the severity of the matter, I wanted to report the following concern with you:





Despite having all the knowledge by the ICICI Bank of the fraud, the act o[censored]nilateral deduction from my Saving Account (ICICI saving Account No[protected] amounts to Forgery and when the matter is also subjudice before the District Court of Gurgaon then why this deduction happened?.


Despite acting diligently and acting in bonafide, if the customer like me is still on the losing side, then what is the regulatory mechanism to curb the arbitrarily practice.






After undergoing so many problems and suffering due to the Irresponsible behavior by the ICICI Bank, I have been subjected to the Mental Trauma.





Therefore, I would request your personal intervention in this matter to resolve this matter and revert my amount debited from my saving account(Saving Bank Account No[protected] at the earliest with your reply of this mail otherwise I will have to carry on with legal proceedings.





For your reference following are the certain important details in this case:





A. The details of the transactions are as follows:



1) Rs.10199/- At Big Bazaar

2) Rs.2280/- at Woodland

3) Rs.5397/- at RPG Celcom Pvt.Ltd.

4) Rs.20950/- at Hot Spot

5) Rs.3900/- at Sahara Mall

6) Rs.5000/- at Reebok

7) Rs.1321/- at Reebok



Total Transaction amount: 49047





B. The details of my ICICI Credit Card are as follows:

Complete 16-digit credit card number No: [protected]
ICICI Request Number (Complaint Number): SR 71577845
Complete Name (Name of Card holder): SHARAD CHANDRA
4. Fraud Transaction date: 30-06-08




C. FIR Number and Date FIR No. 176 04th July’08





Regards



Sharad Chandra (Advocate)

Executive – Legal Compliance Management Operations

Office: Chess Management Services Pvt. Ltd

Building No. 9A, Ground Floor

DLF Cyber City,

DLF Phase III,

Gurgaon - 122002

Haryana

Website: www.chessconsulting.com



Contact no. +91- [protected]

Email ID: [protected]@yahoo.com

adv.[protected]@gmail.com





Place: Gurgaon

Date:07/02/09



The details of my credit card are as follows:

Complete 16-digit credit card number No: [protected]
ICICI Request Number (Complaint Number): SR 71577845
Complete Name (Name of Card holder): SHARAD CHANDRA
(Cell no.+ 91 - [protected])
8. Fraud Transaction date: 30-06-08
Total Transaction amount: 49047









Note: forwarded message attached.

"Print this mail only if absolutely necessary. Save Paper. Save Trees."

"This e-mail message may contain confidential, proprietary or legally privileged information. It should not be used by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. The recipient acknowledges that ICICI Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group.Before opening any attachments please check them for viruses and defects."

"Print this mail only if absolutely necessary. Save Paper. Save Trees."

"This e-mail message may contain confidential, proprietary or legally privileged information. It should not be used by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. The recipient acknowledges that ICICI Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group. Before opening any attachm

The Manager,[protected]
ICICI Bank Ltd.
5th floor, Mohd lllyas Khan Estate,
Banjara Hills, Hydrabad 500034, India

Sir,

Sub- Non releted ICIVILUMBARD GIC CHARGES Rs.14713/=

Though I have not taken any type of policy from your bank you have charge me Rs. 14713/= without my knowledge and forcing me to pay the above amount.

I have informed to your customer support team at Malad on 26th August 2008.(Reference no. is SR[protected] and they have sent me a letter for canceling above amount of Rs. 14713/= on 02-Sep-2008.(the letter reference is 090208/307619C )

Also they have send SMS on my mobile no. [protected] that they are going to cancel the above amount

Still your Recovery department at Andheri Mumbai ( Phone no.[protected] is forcing me to pay above amount ON LOMBARD INSURANCE POLICY which is an illegal act and I may go to legal action against your Bank for such type of illegal act .

I hope you will take immediate action against your Recovery Department to solve the above matter.

Regards

Yours faithfully,

Ramesh Bordikar.
ICICI credit card no. is [protected].

On 6th of Aug. I found all my money have been transferred to an unknown account .I don't know the person at all.
Have lodged a complain in ICICI bank & waiting for the action to be taken so far.

regards,
Srinibas Sahoo
[protected]

There is an exhaustive Credit Card Fraud information on the following website. It is very informative.
You may want to read the same, there are 4 articles pertaing to Credit Card Fraud.

http://simplybank.blogspot.com/2009/07/grappling-with-credit-card-fraud.html

Regards.
Pranav

There is an exhaustive Credit Card Fraud information on the following website. It is very informative.
You may want to read the same, there are 4 articles pertaing to Credit Card Fraud.

http://simplybank.blogspot.com/2009/07/grappling-with-credit-card-fraud.html

Regards.
Pranav

Dear sir
I am lost my atm card of my current account. so i want to stop any tran. by my card of account. My account no. is[protected] at vidhyadhar nagar, jaipur branch.
please block my card as soon as posible for stoping any missuse.

Thanks & Regards.

Satya Narayan Sharma
(I.S.Associates)
33, shiv nagar, opp. jyoti perol pamp, road no. VKIA JAIPUR-13
Moile [protected]

VISA CARD OF ICICI BANK — Prevention of transection

Sir,

My VISA CARD NO is [protected]. IT IS PREVENTED AND BLOCKED of transection by

you because o[censored]sing wrong password.Now I cannot use it . Eventhough I approch customer care

there is no response.Please make it usable at your earliest convenience

To,

ICICI BANK

MUMBAI



Subject-Regading my credit card dispute sattlement.





Respected sir,

I want to informe you that about my credit card, my credit card number is 4477********4005, my address is 4d/172 awas vikas hanspuram colony naubasta, kanpur, my bate of birth is 26 may 1985, Employee of your bank who deal with credit card (who provide the credit card as per coustmer need they always begged for coustmer for card plz...take this my target will be complete in this month).i didnot want to take this because i heard alot for your company, that i found.some detail against of my credit card which is given below only two transation done by me rest is not authorised by me.plz cheak this problem.given below.



date ref.number transaction detail transactionamount



16/10/2008, 74580458291059137623366 dxhelp.net rs.2029.53 not by me

17/10/2008, 74580458293059176991516 sensible-hlp.com rs.1758.92 not by me

22/10/2008, 74056638298000000086641 smile store rs.4200.00(done by me)

15/11/2008, [protected] relatives.com rs. 1, 758.87not by me

03/01/2009 mobile store rs.8645.00(done by me)

I have discuss this matter with customer care local office but no one had respond me, i am ready to pay my authorised payment which is done by me and i have fax to your cach back department ment with many request id, For a time being money rewart in my a/c but after few days it again withdrawn by bank. i have full detail wih i got from your bank and custome care department .cau you provide me contect number or responsible person who can do settlement my card payment at local level i can talk that officer.

plz i am very tired of your poor feedback and service, i want settlement on my credit card .plz do it as soon as possible.



thanks and regards

anubhav pandey

mo-[protected]

Dispute On Credit Card
Dear Sir

The Matter is attached with the letter and I have sent this mail to the ICICI Bank's Customer Care Deptt.But no right actions are taken till now.Kindly read the e-mail which I have sent to the bank.I hope you will take right actions in this regard.
kindly send the name and contect number to whom i can talk with him and do settlement of my credit card dispute or tell me how much time it eill take to settle, i hope yoy will give me positive responce

your faithfully customer
anubhav pandey
[protected]

Have been a 16 year customer of ICICI and am ready to dump these incompetent folks. I have all sorts of accounts with them but the worst of the lot are ICICI Direct folks. They lost my account opening papers in a transfer (after the account has been open for the last 8 years) and sent me a letter to refurnish details again.

a. Why in the world would someone move papers after 8 years?
b. No copies are maintained?
c. How dumb of someone to inform that we have lost your identity and its our fault and we have no remorse on it. Wish it was a western nation and these folks would have danced the jingle then
d. Someone called Ashish called from ICICI direct called and spoke about me cooperating to submit the docs which they had lost. Talk about humility and an apology. I told him to go hang himself off the nearest tree.

Then someone unwittingly decides to reset the charges on my account for ICICI Direct to double of what was agreed upon in writing. My relationship manager is so lost that it takes him 7 months to figure out what the issue is. Lo and behold the trades made in the interim result in a Rs 35, 000/- excess transaction charges. So instead of apologizing for the reset, they refuse to acknowledge and refund the charges.

The most unprofessional and unfair business conduct I have encountered so far...

ICICI Credit Card — Charged interest on unutilised personal loan

Hi
I have been issued personal loan on my credit card on[protected] without my request and without information, because of my non availability in the city i have verified the same in the month of Aug'09
and raised complaint for writt off the loan amount and intrest / penalties charged for the same
below are the complaint No'
1. SR No: [protected] Dated:[protected]
2. SR No:[protected] Dated:[protected]

No response from the bank and writt off principal amount with out writt off the Intrest amount
same has been esclated local(visakhapatnam) credit card division.
Unfortunately after passing of 3 years my savings account in the same bank was put under LIEN for credit card balance and not able to withdraw the amount. For that I approach local credit card division but as usual No response and I apporached Mr.Prasad - Joint General Manager Credit card division
and lodged complaint over mail and after 5 days I received a mail from Mr.Ravi Manju stated that problem will be resolved by[protected] but as off now no response ,for the above issue I have already
raised complaint wide SR NO:[protected] Dt.[protected].
No respone for the both compalints and verty pathetic o[censored]sing ICICI Bank credit card.

Dear Pamarthi,

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.

i HAVE A ICICI CREDIT CARD FROM LAST 3 YEARS,
BUT FROM LAST SIX MONTH IN CARD BILL THERE IS A LOTS O[censored]NUSED SERVICE CHARGE AND SERVICE TAX ADDING IN MY EVERY BILL, WHERE AS i ALREADY PAID MY PRINCIPLE AMOUNT EARLIER, PLEASE LOOK INTO THIS MATTER,
SUBRAT RANJAN PANDA

ICICI Bank — EXCESS CHARGES

Please find here with the complaints letter addressed to RBI, Kolkata, which is self explanetory. Please help me out from this fraud bank.

opjha



C V Goerge 06.12.2010
C/o Reserve Bank Of India,
15, Netaji Subhas Road,
Kolkata -01


Subject: Your letter no. BO ( Kol ) No. 5056/ 2008-09 dated 08.06.2009 (Case No. [protected]) against my complaints dated 17.03.2009 regarding excess charge by ICICI bank on my credit card.

[protected][protected][protected][protected][protected]
Dear Sir,

Kindly refer my complaints against ICICI bank as per flowing date wise with the banks as well as RBI;

1. My letter dated 17.03.2009 addressing Mr. CVGoerge, RBI
2. My e mail dated 13.04.2010, 15.04.2010, 21.04.2010, 27.04.2010.
3. My e mail dated 26.05.2010, 23.06.2010, 24.06.2010 to [protected]@rbi.co.in to RBI OMBUDSMAN- attached for further reference.
4. Your reply with the case no [protected] dated 08.06.2009- attached for any further reference.


This is in reference to the complaints made against the above said bank, this is to inform you that that bank is now withdrawing my money from that account without informing me at all. When I made complaints with you last time, they automatically refunded whole withdrawal money to my account by the fear of RBI on that time and I was assuming that everything got settled with your involvement with the issue.

This is to inform you that they have withdrawn Rs. 13,809.00 on date 13.04.2010, Rs. 15,624.37 on date 23.12.2009 and Rs. 1,383.00 on date 29.05.2010 from my two accounts in that bank and both accounts have been my salary account. In total they have withdrawn Rs. 30,816.94 without the knowledge of me and this is also against your verdict given on that case. This is also against the ethics of my banking system in India. They are withdrawing the money form my bank account so that in actual sense they are the owner of that account, not individual who keeps account with them. By knowingly they are keeping one’s account in negative so that if any money comes to that account, they simply get the money in the name of certain bogus claims.

In this pretext I have requested my employer ( M/s GAIL INDIA LIMITED) to change my salary account and they have responded very well on time other wise this bank would have taken away every paisse from my account. Like only they have very bad report among the people. I have communicated this instance to this bank to all my colleagues and they have faced such stories from the same bank. They are planning to switch over to some banks or in process of that. ICICI bank has very bad report among the people of this country as they are not transparent in their business. If some is caught like me in their net they will be finished like anything. But interestingly even they are not listening to any RBI OMBUDSMAN for any suggestion.

I have also requested them to close my accounts with them but they are not coming up to this point. One of my accounts with them is attached to demat / share account. I have some feeling that if you people don’t take any action against them, they will even take my shares also. In this case I am going to write a letter to SEBI also as a precautionary step.

Even if I have visited their office in Bhowanipur, Kolkata with all my details for solving the problem and also met Mr. Mritunjay Kumar there and submitted my whole communications with the bank and RBI. Before that also some Mr. Mukherjee[protected] understood the problem for some time but irony is that that person has been transferred to some another place. But after lapse of few months now they are once again trying to take money from my account without solving the actual problem. Some months back, Mr. Anil from Hyderabad office has also confirmed that why bank officials are behind me as I have made payments on time. The problem with the bank is that if someone understands the problem, some other person comes on the next week seeking whole drama to be repeated once more to him. This may be a well planned scheme for fooling the customers like me. In actual sense I want to solve that problem but nobody is willing to activate on that issue. They have standard e mail for the customers for creating these non sense activities.

I have earned some 20,000 reward points on that credit card but they have refused to give me those reward points reimbursement. I am requesting them since four / five years back. Today that may be valued to some Rs. 40,000.00 as at that time it was valued to some Rs. 20,000.00. I have lost those rewards points also and I should be reimbursed those points along with compensation like what they are claiming with their bogus claims.

I have made complaints with that bank officials on so many occasions but they are very reluctant on that issue as they have made themselves for fooling others only. They are not seeing their own faults and they have challenged that RBI will do nothing in any case.

Even now they are sending some person for collecting the money to my house and if they send next time I will get FIR lodge with the nearby police station. This is very serious crime they are going to have by sending some gunda elements of the society. Even if they have hired something like that and they are threatening me every now and then. They don’t have any sense to talk to the customers like us.

Sometimes I feel very disappointed that why I got their credit card and internal feeling is that I should consult a good lawyer for their abnormal demand of money, frequent threatening calls / visit to my residence and irrelevant talk on my mobile no.

So request is there for you to get my money back along with enhanced / compensated reward points and close my account with them so that in near future also I may not be trapped into their nets. That bank may be penalized for such incident to the individual by strict action from your end. For which I would be obliged for you forever.


Regards


Om Prakash Jha
Sr. Manager-Retail Mktg
GAIL INDIA LTD
CCPL Building, 4th floor,
Himayathnagar,
Telagu Academy Road,
Hyderabad-29

[protected]

[protected]@yahoo.co.in

Dear Mr. Jha,

We are the Customer Service team at ICICI Bank. Maintaining good corporate governance practices and securing customer trust is important to us. We have made a note of your contact number. We will get in touch with you at the earliest.

Regards,
ICICI Bank Customer Service Team.

cc-icici — discontinue auto debit

dear sir,
i am closing my sb a/c (salary account)from icici which was at 0 balance facility. i cant continue it with a minimum balance of rupees ten thousand. so please discontinue my credit cards auto debit from the a/c. my credit card no.is [protected], after the payment on 8th oct.2008.
thanks

dear Sir,

a/c no.[protected]

sub ; for cancel debit Cards
you are request to please cancel my debit card & credit the cards charges of Rs. 109/- to my account

thank
mukesh mittal
[protected]

ICICI Bank — Deniel of accident insurance for deceased house loan applicant

ICICI Bank’s Refusal of Accident Insurance Claim - Banking Ombudsman

Regarding the denial of accidental insurance by ICICI Home Finance for a housing loan applicant (who died in an accident), victim's father is having a dispute with ICICI Since 2004. The victim died immediately after taking only the first installment of the loan. When his father approached the bank to refund the amount (without using it, with in one week), they advised him to submit insurance claim (National Insurance), telling that the victim was having coverage (they said that every applicant will be offered this cover free of cost). Victim’s father filed the same and got the acknowledgement from the authorized signatory of the ICICI Bank. They said with in 3 months the pledged property documents will be returned as the insurance amount will be adjusted with the outstanding amount.

But months passed. Victim’s father wrote number of reminders and met the bank officials. But there was no sign of settlement.

Meanwhile the recovery agents used to visit the house/phone up and threaten to pay back the loan. The ICICI Bank sent a legal notice after one year in the name of the deceased. This shows that they have not recognized the very fact that the applicant is no more alive.

Like this years passed. Victim’s father was writing letters in regd. post, but there was no reply/response from Bank.

After 3 years, so as to end this type of situation, I had gone to the Bank and met the top man and apprised the case. After a week, the Bank sent a letter informing that the claim is rejected as per the terms and conditions of the captioned policy.

As we do not have the copy of the policy we requested them to give a copy for appreciating the terms and conditions. But they never gave it even today.

Meanwhile, the bank filed a complaint on victims father (2nd applicant of loan) in February 2008 in Lok Adalat that he is defaulter. In the Lok Adalat, the victim's father explained the case and requested the Lok Adalat to get him the policy copy from Bank. Lok Adalat asked the Bank to submit a copy before April end 2008 and settle the case with mutual agreement. But even today they have not given.

Victim's father filed a complaint in Banking ombudsman, by explaining the case, including the Lok Adalat's episode. When ombudsman asked the ICICI Bank to respond, it gave a reply that the case is pending at Lok Adalat. Based on that the Ombudsman rejected our application under clause 9(3)(d) of Banking Ombudsman Scheme 2006.

Immediately we wrote back to the Ombudsman that as the Bank failed to comply with directive of by Lok Adalat and the Lok Adalat made it clear that the Bank should only convince us by showing the policy copy, the case is no longer with Lok Adalat. By informing this to Lok Adalat we requested them intervene and do justice, there was no response.

Is the stand of Banking Ombudsman correct? At this background, can any body suggest us what to do next.

my name is abhishek kumar singh (mob # [protected]) stay at sarita vihar new delhi has not recieved my debit card of icici bank so far. i had applied it on 24/01/2009 and i took courier # from cust care but not a single # is working.my consinement # is [protected].please respond on my problem as soon as possible.i will be very thankful to you

my name is pradeep([protected]) saty at thane. and i had nt received my debit card so far i hd applied it on 16/12/09.pls do the needful. pls dispatch it to vartak nagar, thane branch, il be very happy, my account no. is[protected]

my icici debit card is damaged i applied for new card.i got pin number by post.i didnt got card its very urgent to me.

i did recharge two mobile ( airtel-[protected], idea-[protected]) with Rs 102.00 and Rs.55.00 respectively.But i do not get the balance amount till now. so what should i do to get the balance...
a/c no.[protected]
mob no. [protected]

TO
ICICI HOME FINANCE
HOME LOAN NO "LAN":LHDEL[protected]
TODAY 03 MARCH 2009 AT 4:00 PM RECEIVED YOUR LETTER DATED 09 FEB 2009.
REF NO : ECS/1678
ICICI BANK IS ASKING FOR PDC'S FOR NEXT YEAR THROUGH "ECS".WE ARE NOT INTERESTED TO PAY THROUGH "ECS"SO SEND SOMEBODY TO COLLECT PDC'S

Respected sir,
I am D.V.N Chakravarthi having credit cord barring last four digits ----7002. I would like to bring your kind notice that I am not receiving credit card statements since six months. In this juncture, yesterday I spoke with your costumer care supervisor. She convinced me and told that she will send six months statements yesterday. But unfortunately I am not yet received any statements through my mail. So immediately resend my statements to any one of my mail IDs:
[protected]@gmail.com,
[protected]@rediffmail.com,
[protected]@yahoomail.com,
Since, I lost my online user ID and password, I am also requesting you send new and confidential user id and pass word for online banking.
Thanking you sir,

Sincerely,
D.V.N. Chakravarthi.

Dear Sir/Mam
Earlier also have receive same kind of fake mail, and lost my money.Now its very difficult to understand weather its fake mail or genuine.
I have register a compliant on 25th of june, SR[protected].But till today i dint get any positive answer from your side.This is my salary account where i deposit my hard earned money if didn't get my money back i will not use any services of icici bank.
Waiting for your reply

Thanks & regards
P D TIWARI
[protected]/[protected]

--- On Thu, 9/7/09, ICICI BANK <[protected]@icicibank.com> wrote:


From: ICICI BANK <[protected]@icicibank.com>
Subject: New Online Banking Alert ** Update and Re-Activate Your Online Banking Account **
To: [protected]@yahoo.co.in
Date: Thursday, 9 July, 2009, 7:45 AM



Dear Valued Customer

ICICI BANK has been forced to an unusual system upgarde, which lead to the suspension of all online accounts both personal and co-operate. We kindly regreat to let you know that your online banking account was suspended in this case, and we now request that you update your banking details, for your online banking account re-activation.

To Update and Re-activate your online banking account follow the reactivation link below.

https://reactivation.personal.icicibank.com/reactivate_acct.jsp



Thank You.
ICICI BANK®
Online Banking Customer Services

[protected][protected][protected][protected]
Important Notice:- You are strictly advised to match your details correctly to avoid permanent account suspention.

ICICI BANK PLC. Registered Office: 9th Floor, South Towers ICICI Towers Bandra Kurla Complex Bandra (E) Mumbai.
Registered Number 2294747. Registered in India.
Authorized and regulated by the Financial Services Authority. FSA registration number 106054. For
more information visit www.fsa.gov.in/register. ICICI and the ITS logo are registered trademarks.







[protected][protected][protected][protected]
Yahoo! recommends that you upgrade to the new and safer Internet Explorer 8.

I called ICICI call center at 5:25pm on 18th feb 2010. I requested for my creditcard online account unlock, the representative named "Vanja" provided me wrong login id and when i tried to explain her that id i am using from last 2+ years is different. She said that what i was doing is incorrect and i dont know how to do it. She was very rude on call and said that if i dont listen to her she will disconnect the call. I asked her to transfer my call to the supervisor but she was not ready to do it and trasnfered my call to saving bank department.
I disconnected and called back again, i spoke to sanjay he was calm and handled the situation very calmly. I checked with him and he confirmed that the id i was using from last 2 years is correct and he submitted the request for my online account issue.

I too keep getting calls from numbers like 67661100, 67661000 etc. The problem is they give a missed call. There is one ring and then the call is gone. I know these numbers are from ICICI but don't know whom to complain.

I did take a home loan and have been paying regularly since the past five years. Then why these calls? I don't think this is the bank one should take a loan from.

I agree with the above person. Even I keep on getting BLANK calls from this number which seems to be from ICICI Bank. When we call above number it gets engaged after a few rings.
Can someone do something about this?
I feel people should opt for better banks rather than non-professional bank ICICI. They just claim to give loans easily. The truth is that every bank takes the same documents. ICICI uses their agents who are completely untrained and have to go back to their bosses for every enquiry we make. I am suffering due to ICICI bank home loan. My experience with HDFC was just the opposite. They are just too good.

Hi,
I am getting frequest call from Unknown contact number:-
Number: [protected].

No idea whose number it is.

Pls help

ICICI Home Loan — Cheating & Irregular Increase Rate of Interest case against ICICI Bank

have taken a home loan of Rs.350000/- for 20 years tenure in floating interest rate. The Aggrement no: LBMUM[protected] Dtd. 15.04.03. The initial offer given was 7.75 interest rate. When the loan was accepted the interest rate fixed was 9.75with EMI Rs.3320/- per month for 20 years. After some months bank is lunch scheme to make the payment of 0.50% & reduce the rate of interest I am making payment for Rs. 1700/- in the month of September, 2004 but bank is increase the Rate of Interest on 07.02.2005 by 0.50% after one month increase by 0.50% 07.03.2005 after four month bank is again increase by 0.50% 07.08.2005, after nine month bank is increase by 0.50 07/05/2006 again the interest rate was changed to 9%, the EMI was kept constant but the tenure was increased to some more year.Again the interest rate hiked to 10% from 07/08/2006, the tenure increased to another few more years.on 07/02/2007 the interest rate at 10.5 & then increased to12.5% from 07/05/2007, & interest is increase 13.25% then 14% & reduce only 0.50 the tenure increased to the max. limit & EMI increased to 3684/- per month. Even after paying 66 EMI, the CL.Principal is found to be Rs.308738/-. The last tenure is found to be 07/03/2030 for complition at this stage. This may again increase to many extent. I want to know that whether there is any control of RBI or any other rules these private Banks follows, on Home loans. As per my view there is some cheating by the middle class people. Many times the bank was asked regarding the calculation for Tenure increasing & EMI increasing, but they are not providing. Now HOME loan rate of ICICI might have increased again, but they never intimate to the customer [Also note only one or two letter received from bank Increase rate of Interest]

All Private & PSU Bank must have similar calculation. Kindly look into the matter so that I can get justice against this type of cheating of ICICI HOME FINANCE LTD. Many customers are also facing similar type cheating from ICICI.If this type of activity doing by bank, so how to trust the Bank????

I have taken a home loan of Rs.350000/- for 20 years tenure in floating interest rate. The Aggrement no: LBMUM[protected] Dtd. 15.04.03. The initial offer given was 7.75 interest rate. When the loan was accepted the interest rate fixed was 9.75with EMI Rs.3320/- per month for 20 years. After some months bank is lunch scheme to make the payment of 0.50% & reduce the rate of interest I am making payment for Rs. 1700/- in the month of September, 2004 but bank is increase the Rate of Interest on 07.02.2005 by 0.50% after one month increase by 0.50% 07.03.2005 after four month bank is again increase by 0.50% 07.08.2005, after nine month bank is increase by 0.50 07/05/2006 again the interest rate was changed to 9%, the EMI was kept constant but the tenure was increased to some more year.Again the interest rate hiked to 10% from 07/08/2006, the tenure increased to another few more years.on 07/02/2007 the interest rate at 10.5 & then increased to12.5% from 07/05/2007, & interest is increase 13.25% then 14% & reduce only 0.50 the tenure increased to the max. limit & EMI increased to 3684/- per month. Even after paying 66 EMI, the CL.Principal is found to be Rs.308738/-. The last tenure is found to be 07/03/2030 for complition at this stage. This may again increase to many extent. I want to know that whether there is any control of RBI or any other rules these private Banks follows, on Home loans. As per my view there is some cheating by the middle class people. Many times the bank was asked regarding the calculation for Tenure increasing & EMI increasing, but they are not providing. Now HOME loan rate of ICICI might have increased again, but they never intimate to the customer [Also note only one or two letter received from bank Increase rate of Interest]

All Private & PSU Bank must have similar calculation. Kindly look into the matter so that I can get justice against this type of cheating of ICICI HOME FINANCE LTD. Many customers are also facing similar type cheating from ICICI.If this type of activity doing by bank, so how to trust the Bank????

This is Deepak from Chennai. Whatever you told is absolutely true. I also took loan in ICICI in 2006 @ 7% pa but now repaying at 12.5%. When the bank increased the rates when other banks did, it is liable to decrase the same as well when other peers do.
Also RBI has no control with any of the banks. The concept of "floating" means fluctuations as per market conditions. Now the banks are reducing the interest rate for new loans but nobody is caring for existing loans. The concept of "floating" doesn't make any sense at all.
Now that you are an existing ICICI home loan customer, you can avail a new interest rate of 9.75%. The details of the same are given in the link below
http://wealth.moneycontrol.com/features/home-loans/rate-war-icici-drops-home-loa...⇄


Regards
Deepak
[protected]

I got ICICI home load on 1-3-2005, for the amount of 550000 in the rate of 7.5%, the Emi is Rs. 3437/- for 20 years.
After 5 months (i.e. from[protected] of this year the rate was inscreased to 8% .
After nine moths (i.e. from[protected] the rate is increased to 8.5%.
After 3 months (i.e. from[protected] the rate is increased to 9.5%.
After 6 months (i.e. from[protected] the rate is increased to 10%.
After three months (i.e. from[protected] the rate is increaed to 12%.
After 13 months ( i.e. from[protected] the rate is increased to 12.75.
After 4 months ( i.e.[protected] the rate is increased to 13.5%.
After 3 months (i.e. 1.2.2009) the rates is decrreased to 13%

see the interest floats with iregularity. They didt give information when the interest rate raising or decresing. this is not good. Now public sector banks reduced the rates to 8%. But ICICI was not reduced. Because their aim is only business-get mor profits and not worried about customers.They beahve as like Marvaadees(Ban-brokers/ retails-leasers-interest shoppers)

It looks like I am one of the latest victim of this fraud.

1. They increased the interest rate in June 2008. Kept the EMI constant and increased the Tenure. Note the letter send to me has nothing on how much the tenure increased due to .75 % increase.

2. They again increased the interest rate by .75% and changed the tenure. There communication again didn;t have any thing on the increase in the number of installment.

3. May 2009 they decreased the interest by .5% . But now I realized the loan which was originally meant for 20 hears has now become 28 years. It effectively mean for a 1 % rise in the interest rate they have actually increased the tenure by 8 years.

I am lost and not sure what to do about it. Practically I would have liked them to hike my EMI and keep the tenure as fixed. Also it looks like this is done intentionally with lot of information being hidden.

Hi All, I have taken a Home loan from ICICI of 15lac, my current interest rate is 10.50 flotting.I want to reduse the interest rate, for that ICICI Bank is charging me 1.94% on principal amount & changeing interest rate to 8.75 flotting interest rate and this has no were mention in aggrement, bank is saying that its our policy and we cannot show the policy.I would like to know is there any charage for conversion of interest rate from flotting to flotting and if there is no changes for this then please provide me the complaint email id or phone no.
Kindly request you to please update me on the same.
Thank & Regards,
Gurmeet Chhabra
[protected]

Gentlemen, I fully endorse this as I have experienced a similar harrrassment and torture. Imagine paying @ 14.5 percent !! Est forumsIcici bank has caused me mental harassment and emotional drain. I have started to hate the bank for their em at highmonopolistic attitude and extremely poor . Thanks for raising . Personally I wo like foreclose as quick as possible and then sue them at highest forums so that I get back with 10 times more interest then what I had been lynched for.


Lbmum[protected]

hi am anand i want job costumer extuive