ICICI Bank Complaints & Reviews

My Card No. [protected]. to apeare this month statement 28/12/2008 Balance converted in to EMI Rs. 41, 724.40/-. without my knowledge. I dont like this EMI scheme. I will pay to direct your branch. So, Pls stop the ECS system pament permenently. I will take necessary leacal action to your bank.

Thanks
M.Ravikumar.

My card No. [protected] ( Platinum ) Credit limit 1 lakh . every month minimum amounts going ECS in my savings account. Now this month statement balance Rs. 99, 754.45. with overlimit charge Rs.500/- how to possible this.

1. I dont want the Ecs System. I will pay to direct your branch. so pls stop the ECS SYSTEM for my account.


thanks
M.Ravikumar.

Sir,

I want to close my account which is at Bangalore branch (A/C no[protected] and pune branch (A/C no[protected], since I am in US and not able to use this accounts,
But they are asking me to come back to india and go to particular banks to close the accounts, This is very costly for me to come over there for closing the accounts,
And they are increasing my negative balance for both my accounts without informing me.

Dear Sir,

My ICICI bank credit card no. [protected] full and final settlement was done by ICICI bank vide their letter no. 1015 / 05 / 08 / 08/ N dtd. 28th May 2008 through their collection agency: Lasertron Enterprises Services Pvt. Ltd. and payment of Rs. 35, 000/- was paid in cash as agreed to by the bank vide receipt no. C/[protected] dtd. 28th May 2008, Branch: Santacruz (West), Collector : Mr. Ramesh Kumar

On 6th Jan. 2009, I have received summons from The Court of Metropolitan Magistrate 16th Court, Ballard Pier, Mumbai to appear in the court 10th March 2009 (case no.1653/ SS / 08), dtd. 18th Sept. 2008.

I fail to understand that since full and final settlement was done by the bank and me on 28th May 2008, as to why the legal summons are served to me.

Your immediate response / reply will be highly appreciated.

Regards
Capt Vireshwar Jamwal

I went to ATM machine for geting the money unfortunetly I pressed wrong my pin no so my password
is not working

Sir,

I need your help.

When I got my credit card from icici bank a executive name ramesh his number [protected] called me and told that to activate my credit and i need to have a health policy.I have refuse to have policy then again he called and told that as of now you accept the policy later he will cancel the policy with out any premium or charge.
now in my credit card statement they are showing icici lombard premium and interest.They havent cancel my policy.day by day they are charging late fee and interest to me.when i spoken to icici lombard they are telling they have phone recording that i accept the policy(earlier i was told by ramesh that he will cancel with out any charge so i acept).when i asked them to cancel the policy they are charging heavy amount for cacelation charge.

When i spoke to icici credit card customer service 42080888 he told he cant do any thing.Sir i have not got my policy till now and i dont need it. Earlier also i told the same thing to them but no one is listening to me.

Sir please help me out.Other wise they are charging me interst for not paying amount.Sir how i can pay amount with out with out any purchase of policy

looking forward for youy help.

Regards,
Manish
[protected]

Dear Sir,
Please refer Email of Thiru Abdul Mubeen-Emails cc-Hyd, Customer Service Officer dated 05.01.09 at 8.59 AM.
As requested by Customer Service Officer Thiru Abdul Mubeen, I have contacted Thiru Hari Kumar.G the official of ICICI bank Ltd., Trichy through his Mobile No [protected] today (05.01.09) at 5.22 PM & asked him about the ELBEE Courier vide awb no[protected] for further dispatch of my cover. He told me that the letter regarding PIN Password received from the ICICI Bank Ltd., Mumbai has been dispatched to my mailing address on 24.12.08 itself through French Express Courier vide POD No 739462. & he directed me to contact Thiru C.Prakash Senior Manager of French Express through his mobile Number [protected] for further details of my cover.

When I contacted Thiru C.Prakash Senior Manager French Express Courier of Trichy through his mobile, he spoken harshly without humanitarian mentality. He told that the Cover may be dispatched to other customer instead of you by mistake. Our people may search & collect it from someone & hand it over to you. This mistake is common. Regarding the 17 days delay of the letter dispatch, he stated that the delay in dispatch the letter to the customer is a common one & you did not questioned in this regard.
All the conversations between me & Thiru Prakash the Senior Manager of French Express Courier of Trichy has been recorded by me through my mobile & the same has enclosed herewith as attachment for your kind perusal.

The Conversations are in Tamil Language. Hence I request you please arrange to understand the conversations through Tamil Agent of your office and take action against the Courier concerned for the delay in dispatch of my letter to me. I have received my letter from the said courier at 9 PM today on 05.01.09 after the lapse of 12 days (from the date of delivery to French Express Courier on 24.12.08 POD No S00739462 by the officials of ICICI Bank at Trichy) with the help of Thiru Abdul Mubeen Customer Service Officer of your office who directed me through Email for how to find my cover.
Hence I expressed a lot of thanks to Thiru Abdul Mubeen Customer Care Officer, Thiru Hari Kumar, & Thiru Thiagarajan officials of Trichy ICICI Bank Ltd., who help me to trace out the letter containing PIN PWD & obtained the same today (05.01.09) itself after the lapse of 17 days.

I also wish to inform that after receiving the PIN Password from the ICICI Bank through French Express Courier on 05.01.09 I have remitted a sum of Rs11201.65 towards the Amount Due for the Statement Date 20.12.08 for my credit card successfully vide Confirmation Number [protected]/05.01.09. This is also for your kind information and for necessary action.
Sincerely Yours,
Lion B.Rajendran, M.A.,

SUB : COMPLAINT REGARDING HOME LOAN ACCOUNT NOT UPDATED EVEN AFTER GIVING ALL PROOFS ASKED FOR IN THE LAST 14 MONTHS AND HARRASSMENT FOR PUTTING THE CUSTOMER IN CIBIL ACCOUNT AS A LOAN DEFAULTER FOR LOAN A/C NO: LBPUN[protected]

1. I HAVE PAID MY INSTALMENT OF JUNE 2007 THE PDC GIVEN FOR THE SAME WAS BOUNCED AND I WAS REQUESTED / FORCED BY ICICI CALL CENTRE TO PAY IN CASH THROUGH ICICI FRANCHISEE ON PHONE ON 22 ND JUNE 2007.

2. THE ICICI AUTHORISED PERSON Mr. ATUL ( SURNAME NOT DISCLOSED ) CAME TO MY HOUSE WHO WAS MADE TO TALK THE ICICI EXECUTIVE ON CALL CENTRE PHONE. SHE VERIFIED THE PERSON AND TOLD ME TO CHECK THE I CARD WHICH WAS CHECKED BY ME PERSONALLY. THE AMOUNT WAS HANDED OVER TO HIM RS. 16168/= GIVEN ON 23 RD JUNE 2007.

3. A DUE RECEIPT WAS PRESENTED TO ME WHICH I CHECKED AGAIN BY SHOWING TO ICICI HOUSING BRANCH AT CHINCHWAD.THEY TOLD ME THAT THE RECEIPT IS CORRECT AND THE AMOUNT WILL CREDITED ON MY HOME LOAN ACCOUNT WITHIN 7 DAYS. THIS HAPPENED ON 28 TH JUNE 2007.

4. IN THE NEXT MONTH 17 TH JULY 2007, MR. NILESH ( SURNAME NOT DISCLOSED ) FROM ICICI CONTACTED ME ON PHONE AND SAID THAT ICICI HAS NOT RECEIVED MY PAYMENT FOR JUNE 2007. HE CAME PERSONALLY TO TAKE THE AMOUNT IN CASH BUT WHEN RECEIPT FOR JUNE 2007 WAS SHOWN, HE WENT BACK.

5. SINCE THEN I HAVE PERSONALLY VISITED CHINCHWAD HOME LOAN BRANCH RECOVERY MANAGER MR. SAMADHAN PASHANKAR (MOBILE [protected]) AND SUBMITTED THE XEROX COPY OF THE RECEIPT, 6 TIMES ( TO MR. PASHANKAR AND HIS SUBORDINATES MR. SIBASIS MOBILE NO [protected] )AND TO MRS. BIWALKAR WITH MOBILE NO [protected] AND MR. MOHIT KUMAR PHONE NO.[protected] OF SHIVAJINAGAR BRANCH 3 TIMES (DURING 1 ST JULY 2007 TO 10 TH JAN 2008 ) AND TO ONCE TO NASREEN KARAJAGI ON 13 TH MARCH 2008. EVERY ONE TOOK THE XEROX COPY OF THE RECEIPT AND TOLD ME THAT YOUR ACCOUNT WILL BE UPDATED IN NEXT 3 DAYS. BUT NOTHING HAPPENED.

6. ULTIMATELY I GAVE COMPLAINT TO COLLECTION MANAGER MRS. BIWALKAR AT SHIVAJINAGAR BRANCH ON 21 ST FEB 2007 AND MR. NEERAJ KARVE ( PHONE[protected]OF RECOVERY SECTION ON 28 TH FEB 2007 BOTH PERSONS ASSURED ME THAT WITHIN 3 DAYS THE MATTER WILL BE SORTED OUT AND INTIMATE ME IN WRITING. MRS.BIWALKAR ALSO PRETENDED AS IF SHE IS SENDING ME A LETTER THAT IT IS A MISTAKE OF BANK THAT THEY HAVE NOT CREDITED MY ACCOUNT BY MISTAKE AND IT WILL BE CORRECTED IN NEXT 3 DAYS. SHE TOOK MY E-MAMIL ADDRESS AND PRETENDED AS IF SHE HAS SENT ME A LETTER ACCORDINGLY. BUT I FOUND THAT SHE HAD NOT SENT ME ANY LETTER LIKE THAT. THIS IS A CLEAR CASE OF CHEATING TO SAVE ONE’S FACE ONLY FOR THE DAY.

7. MRS BIWALKAR NEVER CAME BACK EVEN AFTER CONTACTING HER FOR TWO TO THREE TIMES ON HER MOBILE NUMBER WHICH WAS GIVEN TO ME AS IN NEXT 30 DAYS ( 21 ST FEB 2008 )SHE SHOWED NO COURTESY TO EVEN INTIMATE IN WRITING.ON 29 TH MARCH 2008 WHEN I CONTACTED HER, SHE TOLD ME TO CONTACT MR. SAMEER PADDHEY WITH MOBILE NO ( HEAD COLLECTION WHO IS HER BOSS. AFTER 4 DAYS I HAVE LEARNT THAT MRS. BIWALKAR HAS LEFT ICICI SERVICE.

8. WHEN MR. SAMEER PADDHEY WAS CONTACTED AGAIN, HE HEARD THE STORY AND REPLIED THAT SINCE HE IS HEARING ABOUT THE CASE FOR THE 1 ST TIME HE WILL TAKE SOME TIME TO COME BACK. AT LEAST 2 TO 3 DAYS. BUT HE PHONED ME AFTER 10 MINUTES & TOLD THAT THE PERSON MR. ATUL WHOM THE MONEY WAS GIVEN IS FROM THE FRANCHISEE OF ICICI AND IS ABSCONDING BY TAKING THE MONEY IN CASH. HE ALSO MENTIONED THAT HE HAS FOOLED SIX TO EIGHT MORE PERSONS IN THE SIMILAR WAY BUT DID NOT TELL ME THE OTHER DETAILS OF THE FRANCHISEE. HE MENTIONED THAT MY RECEIPT NO AND RECEIPT IS GENUINE AND THE EFFORTS ARE BEING MADE TO FIND HIS WHEREABOUTS.

( I RECEIVED THIS ANSWER AFTER 8 TO 9 MONTHS AFTER
CONSTANT FOLLOW UP )


9. WITH THIS EFFICIENCY IF BANK LIKE ICICI WORKS AND GETS REWARDS FOR THEIR WORKING THEN IT SHOW THAT OUR SYSTEM OF AWARDS IS ALSO BOGUS.

10. PLEASE STOP GETTING AND ADVERTISING FOR THE REWARDS AND START WORKING FOR THE CUSTOMERS.

11. MY DETAILS ARE AS UNDER : -


12. HOME LOAN A/C NO - LBPUN[protected]


13. NAME - PRAKASH DINKAR BHENDE


14. ICICI RECEIPT NO - L[protected] FOR THE CASH PAYMENT OF 16168 /= RS GIVEN ON 23 JUNE 2007 WHICH IS NOT INCORPORATED IN THE ACCOUNTS STATEMENT EVEN AFTER 14 MONTHS.

15. I ALSO UNDERSTAND ON 23 RD MARCH THAT THE PDC'S GIVEN BY ME ON 3/03/2008 BY RECEIPT NO. O[protected] ( CHEQUES NO 653761 TO 72 OF SARASWAT BANK ) ARE STILL NOT SUBMITTED BY ICICI TILL 31 ST MARCH 2008 TO MY BANK .

16. AFTER ENQUIRY NO ANSWER WAS GIVEN BUT ONLY DETAILS WERE ASKED AND IT WAS TOLD THAT THE CHEQUES ARE STILL LYING WITH ICICI BRANCH AT CHINCHWAD AS ON 31 ST MARCH 2008.

17. HATS OFF. PLEASE SEE WHETHER YOU CAN LOOK INTO THE MATTER AND RECTIFY THE WORKING OF THE BANK AS THE BANK AS WELL AS THE CHAIRMAN OF THE BANK HAVE ALREADY GOT THE BEST SERVICE AWARD FOR BANKING AND THE BEST CORPORATE GOVERNANCE AWARD RESPECTIVELY.

18. 13 TH TIME COMPLAINT FORWARDED TO ICICI CALL CENTRE WITH ALL DETAILS ON JULY 10 TH 2008.

Subject: Poor customer service in processing my personal loan application - # 60677473

This is to highlight the un-satisfactory service provided by ICICI DSA and back end team processing my loan application in BANGALORE
On 17th December 2008 I have filed for a personal loan with DST-2 IN Bangalore, Application form number 0301543, Collection agent name Shivaraj - Mobile Number [protected]. Following document was submitted for the same.
1. Telephone / Mobile phone bill – Current address proof
2. PAN Card photocopy
3. Company ID card photocopy
4. Three security checks favoring ICICI Personal Loan account
5. One color photograph
6. Loan application form – number 0301543
7. Details of my salary account with ICICI -
Following which a house visit was done for address verification on 19th December at my current residence in Bangalore by the DST and they also collected a second Phone bill as proof of having visited my residence. This was followed by three calls – One to my residential Landline in Bangalore, one on my mobile phone and one via the company board line. Call was made to the personal references on record for character verification as well on 22nd December. While taking the application form the sales representative asked me for my permanent address, to which I furnish the address printed on my cheque book which refers to my residential address in THANE, Maharastra, where my account is based. However I told the sales representative that I am living in Bangalore since 18 months and that I have no utility bill addressed to my Thane address the less than 18 month old. I also informed him that I am living in Bangalore since 18 months and the house in Thane is locked and there is no one resident at that location. I requested the DSA to give an alternative or consider my current address as permanent address as it was also the address on record for banking correspondence. There after I receive two SMS from ICICI bank, one on 22nd December 2008 and the second on 2nd January 2009 stating that my loan was approved stating loan application number 60677473. On 1st January I was called upon by a Male CSR offering me a life insurance to cover my loan amount for 18 months and told me that the loan was approved and will be disbursed by 2nd January. I confirmed to him that I would take the insurance cover costing me a premium of Rs 541/- and was informed that this amount would be deducted from the loan amount before disbursal. Thereafter on 2nd December a CSR by Name Indira has called me to inform that the loan is approved and that I can take un-employment and accident coverage on my loan amount for which the premium was higher. I explained that I had already been offered life insurance cover by someone the previous day and that I was not interested in taking additional cover. I was told by Indira that there is no offer to take only life cover and that I have to take un-employment and disability cover as well. To this I mentioned that I was not interested in taking any insurance product in that case and requested her to process the loan without the insurance cover. I was assured that by End of day 3rd January the loan amount after statutory deductions will be disbursed. On 4th January when I have called the phone banking department to track the loan status I am told that it has been cancelled on 3rd January, reason being permanent address not furnished. This incident has shocked me and I am very dis-satisfied with the result. First of all I have received two SMS’s from ICICI claiming my loan has been approved and further two agents call to sell me insurance products related to the loan and took confirmation from me. There after the application is cancelled without informing me of the so called discrepancy in the application. I would like to know, on what basis is ICICI communicating to me that the loan is approved when some discrepancies exists in the application (Discrepancies according to ICICI)? Secondly, if there are discrepancies, why was this not communicated to me to guide me how it could be solved ? The reason stated for rejection that - permanent address was not furnished is inappropriate. When I presented the address on record and on my check book to the sales agent, he refused to take it saying that he needed an address where someone resides as a visit would be made. I fail to understand, how I can be present in two cities for the verification process. My address in Thane, Maharastra is where my account is based and since I am living in Bangalore for the last 18 months, that house is locked up and no family member resides in that house. In which case I asked the sales representative to consider my current address as the permanent address since all banking correspondence was also being redirected to my Bangalore address since 6 months. However this was not followed up by your agents and the application has been rejected for lack of permanent address. I am un- happy with the result of this exercise, not once was I contacted to be informed of this requirement and falsely assured of the approval by three different people when the banking procedure was not completed in the back end. Based on the information from ICICI representatives who called me to confirm the loan was approved, I have made my own personal commitments which are now un-fulfilled. Kindly record this matter as an escalation from my side on this matter. Being an existing ICICI customer I fail to understand why ICICI could not accept the address on record as my permanent address. Or at least consider my current mailing address as the permanent address to delegate the matter. Also I feel that ICICI is not transparent with their marketing schemes and has misled me as a customer on the pre-approved loan strategy, I fail to understand how a representative of ICICI can communicate to me the loan is approved and inform me that it will be disbursed and then the application can get cancelled without my notice. I am being told that if I want a lon, i must repeat the entire process again. THIS BANK IS UN-PROFESSIONAL AND A GIVES CUSTOMER'S FALSE ASSURANCES.

I have sent email through my bank online account login and no one has called.

Re : Personal Loan A/c No. LPNAG[protected]

I have taken one personal loan from ICICI bank, Nagpur branch in November, 2007 for an amount of Rs.1, 00, 000/-. But at the time of disbursement of loan they were issued cheque for rs.94, 303/- and they deducted Rs.3450/- as insurance charges and Rs.2247 as service charges without my knowledge. In this regard I have written letters to icici bank civil lines and mumbai office regarding refund of amount deducted from my personal loan. At the time of taking loan itself I informed their consultants M/s.Renuka Financial services that I do not require insurance cover and do not deduct amount from my loan and they also agreed. Hence i request you to look into the matter and arrange to release the amount deducted from my loan. At the time of taking loan they never told me about the service charges etc.

Your kind cooperation is solicited.

Thanking you,

Yours faithfully


(Mohankumar.L)
Mob.No. [protected]

Respected Sir,
This is for your kind information, that I released a commercial vehicle (Tata Ace) registration no is WB 03B 8042, which has been finance from ICICI Bank Brank Kolkata 2, Upper wood street in the year 2006, So from the time my bank track record was good but certainly on october 24, 2007 my vehicle commiitted accident on the highway in Gurap(Bardhaman)and it was such a severe accident that my Khalasi(helper) lost his live. I have all the relevant documents of the accident, from the time I took a loan from relatives & my freinds to bring out my vehicles because I am a student I cant afford such huge amount my family support me a lot. That was the only way of my source of income. I paid nearly about 75000 Rupees to release my vehicle including (police Station and Workshop) and discussed with the bank official by paying Rs15000 that i am ready to released my vehicle on the road and the overdue amount I will pay ech and every month from this date they agreed. Then after without any intimation they repo my vehicle from Dankuni, I request them many tine to release my vehicle but they are not shown any interested to release it.
So my earnest request please take necessary action that I get back my vehicle.

With regards

Sourav Ghosh.
email - [protected]@rediffmail.com

Hi
I am an NRI who cannot goto India for 2 more years.
I have a Personal Loan with icici bank which I want to close now (I had been paying emi for 2 long years).
I also have a personal account with Internet access and my loan is linked to my net account.
Could somebody give me informations about how to close my personal loan without going to India through internet?

Pls help

Dear Sir,


No provisional certificate being provided against loand a/c LBCAL[protected] for period 2008 - 09 till date. For which I am unable to claim tax benefit.

Communicated thru below mails to Customer Care, ICICI bank but without any response.

Kindly do the needful and response.

Thanking you,

Sincerely yours,
Abhijit Modak
[protected]


[protected][protected][protected][protected]
From: Modak, Abhijit
Sent: Friday, January 02, 2009 12:09 PM
To: customer.[protected]@icicibank.com
Subject: ESCALATION - RE: PROVISIONAL STATEMENT


I AM NOT INRECEIVD ANY REPLY ON MY COMMUNICATION BELOW. PLS PROVIDE FEEDBACK ELSE I SHALL TAKE IT UP TO NEXT LEVEL

Regds,
Abhijit Modak
[protected]


[protected][protected][protected][protected]
From: Abhijit Modak [mailto:[protected]@rediffmail.com]
Sent: None
To: customer.[protected]@icicibank.com
Subject: PROVISIONAL STATEMENT



Dear Sir,

Sub : PROVISIONAL STATEMENT FOR YEAR 2008-09 AGAINST LOAN A/C
LBCAL[protected]

This is to inform you that, I have not yet received above statement required for claiming IT rebate, which needs to be submitted to our office byh 5th January, 2009.

Request you to look into it and arrange to send the statement urgently without fail.

A line of confirmation would be well come.

Thanking you,

Sincerely Yours,

Abhijit Modak
contact : [protected]

To

The Manager,
Credit Card section
ICICI Bank
Trichy.

Credit Card Details

Name : Vijay (Business Card)
Bank : ICICI Bank
Amount : 50, 000
Office Address: Gomathi Traders, Near Beema Nagar, Trichy-620001
House Address: 3/116 Kadai Veethi, Mandabam Thoppu,
Mutharasa Nallur, Trichy-620101

Name : Abdul Malik (Business Card)
Bank : ICICI Bank
Amount : 50, 000
Office Address: Classic Foods, Opp Ibrahim Park, Madhurai Road, Trichy-62001
House Address: 3/116 Kadai Veethi, Mandabam Theru,
Mutharasa Nallur, Trichy-620101

Name : Sanmugam(Platinum Card)
Bank : ICICI Bank
Amount : 50, 000
Office Address: Aqua Foods
Near Beema Nagar, Trichy-620001
House Address: 3/116 Kadai Veethi, Mandabam Thoppu,
Mutharasa Nallur, Trichy-620101

Name : Muthusamy (Platinum Card)
Bank : ICICI Bank
Amount : 50, 000
Office Address: Aqua Minerals, Near Beema Nagar, Trichy-620001
House Address: 3/116 Kadai Veethi, Mandabam Thoppu,
Mutharasa Nallur, Trichy-620101

These Credit Cards are getting from Duplicate Documents. These documents submitted to A.Y.SABIBULLA. Before 2 years he worked was IDBI bank. He is 8 years experience in banking field. He and his team before using DUPLICATE INTERNATIONAL CREDIT CARDS for purchasing GOLD police find him and then arrest Police,
Inspector Kannan ( Fort Police Station, Trichirappalli, Tamil Nadu ) sent to jail now he returns back. He was used your bank credit cards now Inspector Kannan custody. About this guy information u need kindly contact
Inspector Kannan mobile Number: [protected]

Now Sabibulla using this number mobile number - [protected]

He was before using these Phone Numbers
Aircel –
[protected]
[protected]
Airtel –
[protected]
[protected]
Hutch –
[protected]
Tata Indicom –
[protected]
0431-____755
[protected]


Sabibulla Address:

3/116 Mandabam Thoppu,
Mutharasa Nallur,
Trichy-620101
Tamil Nadu.

Now his present Address

35, 35-A, Mandabam Thoppu,
Mutharasa Nallur,
Trichy-620101

I get these information from his colleague PALANIVEL.

Palanivel now working in icici bank credit card collection department trichy.

he was not only cheeting icici bank, this guy had all banks credit cards
kindly take immediate action against this A.Y.Sabibulla & Palanivel

thank you,

Regards,
balamurugan

dear sir,
i wanted you to stop direct payment to vadafone mumbai of the number [protected] for wich i have given the auterisation while taking the conection since i have left mumbai on rd nav-2008 and the same has been informed to vodafone that please dissconect this number but thay r still diducting the rantal of the above mantion number which has been dissconcted by vodafone long back.

please abolish the facility of ditect ctardit of vadafone with immedite effect.

regds
sanjay khubchandani
icici card number [protected]
cell number [protected]

Dear Sir,

I am to get the Provisional IT Certificate ( AWB No.[protected] which was sent from ICICI Bank is not received by me so far.

I took this home loan of around 2500000 @8.75% (25 Lacs) in Jan 2007. At that time I chose ICICI because of the long standing relationship and the technology savvy features offered by the bank. Then I witnessed the fastest and steepest process of increasing the rates for me:

Feb 2007 - 50 basis point
Apr 2007 - 100 basis point
May 2007 - 100 basis point
July 2008 - 75 basis point
Aug 2008 - 75 basis point

Now my lending rate is 12.75% even after RBI cuts the CRR by 350 basis points and Repo rate by 250 basis points (As on Dec 22) and my loan tenure is also increased. Now I am getting the feeling that the bank is misguiding not only the people of India but also the Media, RBI and Govt, you speak that you'll reduce the rates but never delivered so far. Almost all the other banks have lowered their lending rates. Even Ms Chanda Kochar said in one interview that cost of funds are same for all the players in the industry.. then why your bank is not reducing the rates and always keep the floating rates as "Forwarding rates" which moves only in Northward direction ? Now I have completely lost faith in ICICI bank and your products

With this really bad experience that I am facing from one of the largest home loan issuer bank ICICI, I went to your home finance office to initiate the loan transfer process to some other reliable bank but the kind of answer the home finance staff provided me for seeking a clarification on the legal documents certificate was shocking and it appears the bank does not co-operate for the legal verification of the original documents by the lawyer or issue a genuine letter stating that the bank is holding the originals of so and so documents and will return those documents on (fore)closure of loan. Also when I asked about the appealing authority to raise this concern, the home finance staff mentioned that she doesn't have an answer and the issue can be escalated to senior management prompting me to write this letter

Please awaiting for your kind action/reply on the same

Thanking you
Radhakrishnan G

Respected sir;

I am working in Bangalore International Airport as super visor –ARFF, I have a salary account with ICICI bank and the account No is:[protected] and I was issued with the debit card No: [protected],
On 30th November I tried to with draw Rs 18000/- from the corporation bank ATM at yelahanka old town, but money was not come slip came as money deducted. Same day I gave a complaint to ICICI bank through E mail, they told to wait for 45 days, now 30 days are over, I am fully depend upon my salary, so kindly look in to this matter, and do the needful.

Dear Mr. Rao,

This is with reference to your e-mail to Mr. Harshil Mehta with regard to your query related to the cash discrepancy from Non ICICI Bank Atm.

We would like to reiterate that the mentioned transaction of Rs.18, 000 has been approved and claimed by the VISA. Hence, reversal of this transaction is not possible from our end.

We have initiated a chargeback on December 13, 2008 for the mentioned transaction on the acquiring Bank.The TAT (Turn Around Time) for the same is 45 days. Hence, we request you to wait for 45 days from the date the chargeback has been raised.

Sincerely,

Jyotika Jaggi
Customer Service Executive
ICICI Bank Limited

I am declared winner for free gift voucher worth res.3301 and won a combo offer of a swatch watch along with a united colour of bennetton watch. on accessing the respective site i am directed to proceed to payseal region of ICICI bank to make my payment of Rs. 3199/-.please note I have only SBI debit card and on speaking to your rep on call centre I was advised to communicate through this channel for alternate means of payment for the above mentioned offer.
Also please revert why my 16 cd saaz has not yet been sent though I have already received my books buddy package of Rs.779/-.kindly advise and reply asap.
tks n rgds.

I ravi shanker. I had taken loan from Icici bank, after few months due to some misshappeing i could not able to deposit my premiums . My bike has been taken back from parking place by collection agents of ICICI bank loan department ( as per discusstion with police man after that stealing incident ) I visited the collection office of ICICI bank Rohini New delhi and an executive told me that they will inform me about the auction date of my bike but they did not contact me .I was able and agree to pay the rest of loan amount but now I want the NOC letter from Bank against that two wheeler loan .
Loan no - LTDEL[protected]
Bike no - DL7SAN2899