ICICI Bank Complaints & Reviews

MY DDA APPLICATION NO. IS 9095122. TILL DATE I HAVE NOT RECVD. MY REFUND. NO BODY IS ATTENDING THE TELEPHONE NUMBER PROVIDED IN THE DDA APPLICATION BROCHURE ( ICICI Bank Ltd., S-26-28, Green Park Extn., New Delhi-16, Sh. Nitin Singhal, Ph:[protected]

It was my most mistake to take car loan from ICICI bank. After taking car loan from ICICI bank after some time I had relocated to Ahmedabad from Morbi(Rajkot). at that time I concern form my loan with customer care with bank and as per customer care executive's advice I informed to bank also for the same (for existing bank account need to close & from which i paid advance check to ICICI and asked advice from my next bank for the same procedure). diriong this period i took many follo-ups with bank by email/cusomer care and personal visit too. but after some time I got many threat calls from bank occupied third pary recovery agent. they leterally harrest to me mentaly. i immediately gave all information to bank's customer call by phone/email and letters too till date bank not replay for any action agains those third party recovery agent. not replied from my load and they addes interest and panelties month by month.

can this forum help me to resolve this matter and can any body ask to bank why they anguaged third party recovery agents and not satisfied to my against my query. as i have most proofs for communication which i made and visit to them. till how long I have to suffer. please help me.

plese replay me soon.

Manoj Dhulashia
[protected]
[protected]@rediffmail.com

Dear Sir
i am very upsate to mail you that
i mny time requested to cust. care
That please clear my pending bill of credit card & problame regard
bill at earlist
But from last three months they dont clear the matter
send me the new bill with late payment carge
& Also i have the problame that i received the bill late from your
side (Check The Courier Receipt)
& You Charged me the late payment Charge
& Also The Problame regards why u increase the limit (overlimit
charged by your side) and charged by you for overlimit yoused
without inform me

please call me
to solve the problame

My detail is : Sambhav Shah : [protected]
credit card no : [protected]
see my old record & Call me (not from customer care centre bcose they
told me only that we have no authority) they also cant here my matter also
they also dont know that how to speak also check the recorded conversation
between me & Your executive
this matter is pending from last 3 to 4 months and in all bill the late
payment charges is incresed & Then After Cust Care exe. told me to
revert for one month only
please clear this, matter

This mail is forwarded to all the dept from my side & Also RBI &
Cus Care Dept OF Credit Card

Thanks Sambhav

Respected sir,

I Abbas Akbarbhai Bharmal lost my PAN Card with number AHQPB6839F. I would like to have duplicate PAN Card. SO, Kindly issue me a duplicate PAN Card as early as possible to my present address.

My Address:
"Noor", 3 - Maruti nagar, airport road,
Opp. Ram Vatika,
Rajkot - 360001.

Dear sir/Madam,

I am getting tried to send the massage & telepbonic discussion over last 3 year to deactivate or close ICICI credit card.no:[protected].But till today it has been not deactivated/closed.

If you gone through the last 2-3 year my corrousponds to ICICI over mail, over telephonic discussion and personel visit to Anderi head office, you will came to know the truth.

You kindly note that over last 3 year had not been used this card.

Hope you will get the truth and help me to deactivate the Card no:.[protected]

I once again requist you to de activate the above card

Thanks and regards,

T.V.Bhosale
cell no:[protected]

Dear Sir

Kindly help me on this as ICICI Bank is playing frud in my credit card statement:

Cheque Returned from ICICI Bank reason not defined and I was not in formed on the same either through Mail or telephone. As I have only received mail of cheque payment received only but Still don't know where the Cheque is lying because it is not yet delevered to postal address nor to my concerned bank.How can this be late payment charges when i have not made any late payment.

Secondly when I have not crossed my limit interms of purchase as against my Total eligible limit Rs.43000/- how can bank place an over limit charges rather the bank is holdin excess of Rs685.36/- my cash

Thirdly I don’t know why bank is putting Three service taxes in a month.

Fourthly I don't why intrest charges are levied when I have payed within my due date.


Transaction Date From 04/12/2008 Till 03/01/2009
Details Amount Date
Total Eligible limit 43000
Total Purchase 42714.64 04/12/2008 Till 03/01/2009
Payment Made 43400 02/01/09
Buffer My Cash with ICICI Bank 685.36
Cheque Pyments Made 20, 000/- 16/12/2008
Charges Put By ICICI Bank
Intrest Charges 1032.2 02/01/09
Service Tax 1 160.95 02/01/09
Service Tax 2 61.8 30/12/2008
Service Tax 3 74.16 22/12/2008
Late Payment Fee 600 28/12/2008
Overlimit Charges 500 30/12/2008
Total Charges 2429.11


i am almost lost today about my payments with icici bank .

thanks and regards
yuvaraj v

Hi,

I am Vikas Sharma and working as a Software Engineer with TATA CONSULTANCY SERVICES from last 2.6 year. I was having my Salary account with ICICI bank, whose account no is[protected].Recently i got a call from the bank and they told me that i am having a Gold card whose due payment is of Rs 194000, which I never applied for. When I asked the details, the only part which was matching was my name and my DOB. And for the...

How can a bank of your repute trick on customers like this!!

What is free about the "Free Holiday Package" on remittance of $500. The T&C's of the vacation package provider asks for "Utility charges" which are higher than 2 nights stay at a 3 star hotel!! And this important info is conviniently missed out in ICICI's T&C's.

So far I have transferred amount which is way higher for the package eligibility. As a loyal customer of ICICI bank, I feel cheated all the way.

THIS OFFER IS A HOGWASH. You cannot get away saying that the operator is responsible. ICICI IS RESPONSIBLE FOR MISLEADING CUSTOMERS

I have Taken a loan in 2006 for 1900000 and FRR was 10.25.It was increased 13.25 and I was still paying all EMI correctly.Currently now 2009 I recieved a msg that EMI has been revised and decreased by .50%, but my EMI remains the same and tenure has been increased to 300 months without informing me.I am not sure what they mean by saying your FRR has been reduced by .50% when my EMI is the same and tenure increased?...

Gentlemen,

I am yet to get my imint card linked to my icici bank credit card [protected].Because of that, i am not able to redeem my reward points accrued on swiping the the above said credit card. therefore kindly arrange to send the imint card to the address available on record.

A.PETER

Re : Loan No. LOCAL[protected]- Loan amount – Rs. 5, 00, 000/-Loan cancellation

This is with reference to your letter dated[protected], I am to inform you that the vendor M/S TECHNOPARK of 54 Strand Road, Kolkata 700006, has cancelled the deal of selling Computer equipments to me as they were unable to supply the models and configurations required by me.

I have paid Rs. 1, 20, 820/- by cheque which they have refunded in cash and one cheque for Rs. 1, 60, 000/- was cancelled by be as it was not returned by them.

I have discussed all these events to Sri Indranil Dasgupta. Asst. Manager & Sri Ajay Singh of Sarat Bose Road Branch, Kolkata. However they have not taken any action and the Loan EMI of Rs. 24, 846/- was presented to my bank and I was given assurance that I will get refund of the same.

I therefore request you to look in the matter, cancel the loan and refund the amount of Rs. 24, 846/- at the earliest.

My PAN no-baypk0568e is matching(DOB, mob no, address) with Manoj kumar Sharma and showing a two wheeler loan from 2001.Due amount is approx Rs-5000.
But I have not applied for any loan till sept 2008.Also my pan no generated in april 2008. My personal information is as given below:

Name :Manoj Kumar
F Name :Sh Bharth Singh
Address :VPO karnoli teh & dist fatehabad.
Mob no :[protected]
DOB :[protected]

All the information s are matching in CIBIL with someone Manoj Kumar Sharma who take the loan in 2001.
How can it possible that my PAN CARD made in april, 2008 and someone taking loan against the same PAN CARD from 2001.

Kindly rectify the same as I am facing many problem due to this wrong updation .

I am using the ICICI platinum credit card since last one year. On 10/10/2008 there are two transaction occured on my card of 36000 and 40000 which I have not done. I reported these two transcation as the disputed one on 13/12/2008. On 15/10/2008 they charged back credit the amount to my card and told me that they will do the enquiry.

On 13/12/2008 they debit the amount in my favour saying that that disputed transaction have been resolved. And it has been resolved in favour of bank means I am liable to pay that 76000/- amount. After that I called the executive many time asking the verification document done by ICICI. I want to know that what they have done as pat of the verification process.
Since 15/1/2008 I am doing these but I have not received any document from ICICI department yet.
On top of this on 8th Jan, 2009 they have generated my new statements and charging me interest on that 76000/- amount.

Please advise what should I do in this case. I am sure I have not done this transactions.

Hi



My name is Rahel Shaikh and I am pursued by ICICI bank for the credit card bill of century bank of Punjab.



Card no..: [protected]

Name: Rahel Shaikh

Contact no..: [protected]



I have used 16000 to 17000 on this card and I have made the payment of rs13000, but still the people of Icici recovery dept is giving...

Here is the text which was sent to ICICI BANK on 17th October 2008:

Respected Kamath Sir,

I bring it ur kind notice that Rs 70, 000 has been wrongly
transferred to an account with Pune branch in the name Mr
Gaurav Grover on 16th August. The amount actually was to be
transferred to Mr Suarabh Agrahi from my account. I have
requested Pune branch of ICICI Bank to revert the amount of
Rs 70000 to my account at ICICI Bank, Trivendrum but so far it has not
been done. I understand that two letters have been sent to
Mr Gaurav Grover but there is no response from him. Further,
his account with Pune branch has not been in operation since
last more than one year & Mr Grover is probably not present
in India.

I, therefore request U, Sir to look into the matter and
instruct the concerned officials to revert back the whole
amount Rs 70000 in my account as more than one & half months
has passed & I am loosing interest on this amount.

Hope that an prompt action will be taken by bank.

With Regards,

Anubha Gupta

Susequent to above, lot of correspondence has taken place through e-mail with the bank as well as with wrong beneficiary, Mr Gaurav Grover. Mr Grover is not in India at the moment. His present contact no., his parent tel no & their address has also been passed on to ICICI Bank. Mr Grover has sent his consent twice for debit the amount from his account as the money doesn't belong to him. But ICICI Bank isn't doing the needful by transferring the amount to my account on the plea that bank needs written consent from the wrong beneficiary.
ICICI bank representative has quoted honorable Supreme court judgement as per the following details:

Dear Ms. Gupta,
As discussed with you, please find the Supreme Court Judgement below.
" The Supreme Court in Jammu & Kashmir Bank Ltd v.
Attar-ul-Nisa (1967) 37 Comp case 62 (SC), the Supreme Court
held that if a third party, by mistake deposits the money
in the account of some other person, as soon as the money is
deposited in the a/c of such third person, who is a
customer of the bank, the money becomes the money of the
customer, and it is not open to the bank in such
circumstances without obtaining the consent of the customer,
to reverse the entry of credit made in his a/c and in effect
pay back the money to the person who had deposited it, even
though it might have been deposited by mistake "

The above judgement mentions deposit of money in third party's account by mistake & the same can be revert back after obtaining the consent of the customer.

In my case the money was transferred on-line in wrong account & the same was bought to the bank notice immediately and bank put the money on lien. After lot of efforts, the wrong beneficiary was traced & pursued to do the needful. Accordingly, Mr Gaurav Grover (NRI) has sent his consent twice to bank through e-mail on-line to debit the amount from his account. Bank so far hasn't credit the amount in my account.

Pl get my money back along with accured interest as on date.

With Regards,

Anubha Gupta

I have been using ICICI bank Visa Platinum Card ( [protected]) for last many years. Recently I upgraded to Platinum Identity Card as I was told about its added benefits by your tele-sales lady. I was assured that Lounge facility at the airports will be free of charge with New card. (No. [protected])
When I received the printed manual along with the card, I found that Lounge facility is not free but chageabe. I had specifically asked about the annual fees, which I was assured that if my transactions are above Rs. 1, 00.000/- per annum then I won't be charged any annual fee. Imagine my shock when I received the first statement ( Dated 08/01/2009), in which I was charged Rs. 2000/- as annual fee - 1st Year.I talked with your Representative on phone but he said that he was sorry but can not reverese these annual fee charges.
I really feel cheated. My credit limit is the same. What is the advantage for me using this Platinum Identity Card? If I would have known earlier, that I will be cheated like this then I would not have gone for the new card at all. This kind of CHEATING is not at all expected of ICICI Bank. If an old customer like me is being treated like this, I can imagine the plight of new ones.
I am in a mood to discontinue with your card if I don't ger a reversal of the annual fee. I will clear out the full balance (minus Rs. 2000/-) and tear my new and all old cards.
Awaiting your prompt action
Suhas Kulkarni

Re : Housing Loan a/c No. LBNAG[protected]

I have taken one home loan for rs.6, 23, 040 from ICICI Bank, Nagpur for 180 months (15 years) @ 9.50% interest rate and after that they have increased rate of interest. Today I received one SMS to my mobile No. [protected] stating that your rate of interest is reduced by 0.50% from Jan. 2009. Revised rate is 13% and term is 302 months.

In this connection I would like to inform you that I have taken loan for 15 years (180 months) and not 302 months. but they were increased rate of interest and also the term which I am not understanding. I have taken only rs.6, 23, 040 and my present monthly instalment is Rs.6883/- per month and if I pay this amont for 302 months the total amount comes to morethan 20 lakhs. How it is possible. I request your replay at the earliest.

Regards,

Mohankumar.L
mobile No: [protected]

Dear Concerned

Ref Ref SR88933586 i have applied for DDA(APPLICATION NO#0379724) via DDA Registration Money Financing Scheme however after rigorous follow up with ICICI BANK Officials i came to know that i need to get in touch with DDA Authority if the same is not enrolled on the website, Moreover i received a call from Regional Sales Manager Mr. K. Abir of ICICI BANK stating that they have already deposited the application to DDA. i tried to make him understand that how can it possible that you have deposited the Application and same is not registered and enrolled on DDA site wherein i have already checked on the site and it was very clearly reflecting as "NO RECORD FOUND".and also we believe what we see as a verdict.

Now i think this is just like washing their hands when there is some fault from there or DDA Authority end. However if these people would have registered then why it was not enrolled, secondly it seems that these guys are pretending and are not transparent while resolving customer querry and are imposing all the faults on the customer head that we have to get in touch with DDA for clarification. Moreover as a matter of ethics we have depsoited the application to there bank as finance and not to DDA wherein these people have taken the sole charge & responsibility for depositing it to DDA on our behalf and get the same enrolled to DDA. This been more than 2 months that these guys are giving excuses and pretending just like government offices and babus... My only queery iwas why my DDA APPLICATION is not registered on it ?and if so why my interest amount is not returned to me if it is not registered.

Also need to understand what does it mean"Customers to go to DDA and clarify" well was there any intimation send to usby them? Answer is no and this is what we get to know from DDA site wherein it was very clearly mentioned that in case there is any mismatch then we need to take the clarification from bank authority itself.What about people who do not have internet access at all? How they will get the information. Thinking logically finally its the customer who is looser and sufferer. For charging Interest amount of 5990 rs# for Registration money.Was that not there responsibility to intimate the customer about the same if the Application is not enrolled or send to DDA .

Secondly when they have not send the application to DDA then there is no question of taking interest amount for which they have not provided the loan, since application was not send to DDA and the entire money is in there pocket ie 150000 registration amount is not given to DDA against that application. Moreover when we are paying interest amount in advance for Financing of registration money its there reponsibility to submit the same to DDA and DDA should have enroll in it for draw its not my fault to interact with DDA Authority and if so then you should better not take the responsibility to deposit the application on our behalf.Also in future its better to deposit the same directly to DDA Authority wherein atleast we will be assured that my application will processed and enrolled.

Surprisingly it was not even send to DDA for enrollment and no further intimation has been send & as result of which all my dreams shattered and i loose the trust which i have been assured while applying for Financing with ICICI BANK by there executive that we will receive the intimation about the same. Is this type of services and resolution we are seeking from such a big private bank? Sorry to say but i cant expect this type of resolution from such a big bank with no work seems like washing their hands when there is something rediculous from there end.

Request you to please intervene into the matter and take some legal steps against these culprits and as a matter of ethics i would only request that atleast i receive the compensation amount against these careless acts which is not justifiable because i strongly belives the laws and constitution of my country.

Regards
MANASVI SAMVEDI
NEW DELHI

Respected Sir,

I am Digvijay Nath Mishra. I applied for a loan in ICICI Bank, SHAHIBAD Branch at 15.5% rate of interest and 60 month of tenor period. And, I received documents from ICICI Bank showing rate of interest 20.25% & 48 Month of tenor period. Same I discussed to Mr. Ankur Singh, Loan Department, ICICI Bank, SHAHIBAD. Mr. Ankur Singh agreed to close my Loan account. Same day I filled a form to close my loan account, according to instruction given by Him. Mr. Ankur Singh promised me "your loan account will be closed within a week".

I shocked by a SMS from "ICICI HFC" received on Dated 4th Nov 10:54 AM that "EMI for Rs 15282.00 towards your Loan A-c LPDEL[protected] will be presented for clearing on the 05th of every month. Pls ensure you a-c is funded adequately”. I presented the same to Mr. Ankur Singh, ICICI Bank. He said you Deducted amount will be revert back, closing process is on progress,



Sir, Now ICICI bank has deducted three EMI of Indian Rupees 15282.00 in NOV-2008, DEC 2008 and JAN 2009 from my saving account.



ICICI Bank Executive & Customer Care is not taking my problem seriously. My humble requests to you please look in this matter and solve my problem.



Kind Regards

Digvijay Nath Mishra

Date on Birth: 1st Nov 1978.

ICICI Bank Loan Account No: LPDEL[protected]

i have credit card no. [protected] and paying within time limit whatever was dues. but without my permission they made my payment in installment and after all last payment i made full as per my bill. but the next bill i found with late fee 600/- and installment of 400/- with other charges. meanwhile i make payment to TATASKY for rs 1000/- and they make total bill around 2800/-. when i try to discussed with helpline they didnt respond. now still they sending me bill of regularly and taday i received bill for rs. 8048.47. when i was suppose to pay rs 1000/- only.