ICICI Bank Complaints & Reviews

Hi,

I have a complaint regarding the settlement of ICICI CC.
I was a regular payment of the outstanding but unfortunately i am not able to make the payment. The reason i can't make the payment is I lost money in Stock Market, so due to bad financial condition I have applied for the settlement in the month of January 2008, the executive use to collect minimum amount every month and no sttlement for same was done.
Its December, 2008 till the card is not yet settled and the bill is generated everyone along with interest, late fee, and over limit.

On regular complaint the card is not settled. What should i do now as the bill is huge (72, 174) and i can't make the payment.

Thanks & Regard
Deepak Yadav
[protected]@gmail.com

dear sir,
i want to know how can i remove my name from defaulter list .as i am defaulter for two wheeler loan from icici bank (amount for defaulting is Rs.3079/-and they are asking about rs.23000/-)

I had applied for the ICICI bank credit card. But to my dismay, the company delivered the card on a wrong address to a wrong person without any proper verification. Now, this guy took advantage of the situation and made transactions worth Rs. 85000/- through the card. When, ICICI bank called me for confirmation regarding transactions, I said that I haven't received the card yet and there is no question of transactions through it. But, I was shocked when I got a card statement from the bank mentioning the transactions.

I lodged an official dispute with the bank. And I was surprised when I heard the bank's hearing after 45 days, stating that the Card is your personal responsibility and you need to take care of it. How would I take care of a card which was never delivered to me?

I have also given the courier details to the bank which clearly states that the card was delivered on a wrong address. But, the bank is not at all bothered to have a look at the complaint. I have also lodged a complaint against the bank through CORE. NIC, but the bank is not ready to budge. They don't even mark a copy to the consumer forum while replying to my complaints.

I am shocked and amazed with the way bank is handling the case. It is not bothered to even question the guy who has received the card and made the transactions. Instead the bank, traumatizes me with the reminders for making the payments.

I am really clueless how to take the case forward. Please suggest to handle the bank's menace.

I used IDBI Bank's ATM to withdraw amount of 5000 from my ICICI bank account on 30th sept, and the ATM says "we are unable to connect to your banks network" but after some time I got a message from ICICI bank on my mobile saying that amount of 5000 has been debited from your account, I logged many complaints regarding my money to the bank but after almost 3 month they are still saying that you have to wait. But how much????

Hi,

ICICI bank courier was not delivered?

It’s third time?

1st time they unable to find my home address but I’ll be receiving all courier forms expect Express IT courier company.

2nd time I approach to ICICIC bank Customer Care Executive sent this courier to my office address, again same excuse.

A courier was sent by ICICI Bank to me in Mumbai with POD No [protected] on 24th Dec 2008. It was not yet delivered. Also I trying to calling IT express courier, but their telephone no's is continues riming no body picking this call, after 1 hour I connected to Customer Care Executive & they given me J B Nagar office contact no but phone is not working.

Please let me know when can I received my Courier?

I[censored]nable to find they have to call me mentioned no.

It is better you closed down your service rather than insulting us.

Thanks & Regards,
Amit Kadam.
Mobile: - [protected]

Team,

I have taken home loan @8.5 on 2006 from ICICI Bank. As of now i am paying @12.75.when ever RBI has increased the Rates immdiatelly will increase the rates. When they decreased the rate.s, they won't decrease the rates for existing customers. What funda is going on. They are cheating with existing customers. Even we are sending so many mails to ICICI bank, we are not getting any responce them.whom we have to approach. Please suggest to me to file case against ICICI BANK.

With Regards,
SivaKumar.

Dear sir,

My Card No. [protected]

I am using your Icici bank credit card last 9 years, I never failed in making of payment of Credit cards, in past transaction you can see my payment status, even if before a statement recd I have paid well in advance, for example you just see my last statement due date I was not present in my home also I have recd a statement from You as on 12/12/2008 so first time I could not paid Rs.200/-in time for tata sky payment.
so I would request you to please waive of this delay payment charges as I am valuable customer coninued since 9 years with ICICi credit card service. sir, also one request to you that I have not recd a New card from your side as it was 03/05 to 03/09.
sir please avoid unnecessary communication with U and favouring to my side please waive of this amount Rs. 503.10/ I have paid your Rs. 199.00 as on 22/12/2008 by Hdfc cheque.

thanking You,
NA Prajapati[protected]R) 65 97 520

Sir,
It is to inform you that my father Dr. Purshotam Goklani died on 27/05/2008. He was retired from Regional Officer for Health & F.W. a Central Govt. Dept. After my father's death and during such period when we all were passing through a bad patch, I received a notice u/s 143(2) of I.T. Act, 1961 from Income Tax Department for the F.Y. 2005-06 on 05/08/2008. I am surprised and shocked, in the notice they demanded statements...

I would introduce myself as one of the Indian who has done a life time blunder by taking the "ICICI Home Loan". I have never seen such a greedy bank in my entire life. ICICI is the perfect modern example of the earlier sahukars which treat borrowers as servant and let them dies slowly. This bank made his own policies and procedures and dont care about the RBI and the government. The activities of the management are to treat the borrowers as bonder labor and cheat them with the higher lending rates. There floating rates can be best termed as "Forwarding Rates" which moves in one direction i.e. Northwards. I share my example with you all:

I took a home loan of around [protected]@9% (20 lakhs) in September 2006. At that time HDFC was offering me the 9.5%. I choose ICICI over HDFC just to save couple of thousand rupees towards processing charges. Then started the fastest and the steepest process of increasing the rates for the exisiting borrowers:

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

Now my lending rate is at 13% even after RBI cuts the CRR by 350 bp and Repo rate by 250 bp (As on Dec 22). In some cases the loan tenure is increased from 20 to 40 years. You can find lots of blogs on the internet. I have completely lost my faith in ICICI bank and there products.

The ICICI management is misguiding not only the people of India but also the Media, RBI and Govt, they only speaks that we'll reduce the rates but they are never delivering it. Everytime they says we are watching the liqudity situation and review the rates later on, they are just diverting the attention of public and passing the time. I dont understand how many years this bank require to watch the liqudity situation. Almost all the banks have lowered there lending rates. Even the Chanda Kochar said in one of the interview that the cost of funds are same for all the players of the industry..then why they are not reducing the rates. This is because ICICI has linked all the Home Loans to the PLR and they dont want to loose the huge interest income by reducin it. Irony is that despite so much crook activities, the media gives so such attention to ICICI bank and never expose there cheat activities. They are lowering the rates for the new customers just to trap them and harass them later on as we are facing now.

I sincerely request on behalf of all the Indians like me to save us from ICICI bank. RBI/Govt please ask the public sector banks to take over the existing home loans of ICICI bank.

My Credit Card No. [protected]. The transaction done after the date when we complained for stolen of the card and block it.

As per your letter dated 2-Sep-08, Ref. No. 082308/307964C. You are not reversing the unauthorized Transactions as per my request no. SR77107696.

We need the copy of transaction slips which you are saying that made by me as indicated in the request no. SR 77107696 .

Looking forward for your reply and co-operation Else I will not make any payment.

Hi All,

I have raised for settlement of my credit card with ICICI in Oct-08

"Dear customer,

For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com

We inform you that we have initiated request for the settlement of your credit card. Your request no. is SR82201006 and SR82201606. Within 8 days our collection officer will contact you regarding the settlement.

Sincerely,

Tene Sudarshan Rao
Customer Service Officer
ICICI Bank Limited"

But then after no response and hence i wrote to the nodal officer on 31/10/08 and their response was on 10-Nov-08

"From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
> Subject: RE:'ICICICARE=[protected]' level3complaint/ Credit Card
> To: "[protected]@yahoo.com" <[protected]@yahoo.com>
> Date: Monday, November 10, 2008, 6:08 PM Dear Mr. Peri,
>
>
>
>
>
> This is with reference to your e-mail to Mr. Harshil Mehta
> with regard to settlement of your credit card account.
>
> We inform you that our collection manager Mr Krishna Kumar
> will establish a contact with you from his mobile no
> [protected] and he will offer you a settlement for the
> outstanding of credit card.
>
> If you wish clarify any doubt you may also contact Mr
> Krishna Kumar on his mobile for more details on the
> settlement on the credit card account.
>
>
>
>
>
>
> Sincerely,
>
> Vijay Rana
> Customer Service Executive
> ICICI Bank Limited"

Actually the concern person has not contracted me and i was not able to get him on air every time you will able to listen tamil dailer tone.

Again i have consistenly remainded nodal officer regarding the same through mail but no responce.

--- On Tue, 12/2/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' level3complaint/ Credit Card
To: "bala vittal" <[protected]@yahoo.com>
Date: Tuesday, December 2, 2008, 7:25 PM
Dear Mr.Peri,

We deeply regret for the delay in our response and we do apologize.

However we inform you we have looked into you concern and realize that we need few more days to revert.

We will revert back to you in 3 days.

Looking forward for your cooperation to serve you better .


Sincerely,

Sudha Kumari
Customer Service Executive
ICICI Bank Limited


Finally on Dec-4-08 i have received call from rateesh from [protected] and he has promised me to close the issue in few days and added ha said that he is working one card to make it has ZERO and other card with can be closed with lesser than 10000. because ICICI has deducted 50000 rupees from my saving account with out my notice which was gather from my friend and my salary for my mother health related issue. But nothing has turned up i was kept waiting.

but on --- On Thu, 12/11/08, Head Service Quality <[protected]@icicibank.com> wrote:
From: Head Service Quality <[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' ICICi Bank Credit Card
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Thursday, December 11, 2008, 8:50 PM
Dear Customer,

We refer to our earlier e-mail of December 4, 2008 with regard to issues on your credit card.

We would like to inform that the issue on your credit card account is being attended to.

We request you to give us some more time to respond to you. We will keep you updated in this regard by December 17, 2008.

Further, we regret for the inconvenience caused.

Sincerely,

Ratheesh Achath
Office of Head Service Quality

Then

--- On Wed, 12/17/08, Head Service Quality <[protected]@icicibank.com> wrote:
From: Head Service Quality <[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' ICICI Bank Credit Card
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Wednesday, December 17, 2008, 7:01 PM
Dear Customer,
We refer to our earlier e-mail of December 11, 2008 with regard to issues on your credit card.

We would like to inform that the issue on your credit card account is being attended to.

We request you to give us some more time to respond to you. We will keep you updated in this regard by December 23, 2008.

Further, we regret for the inconvenience caused.

Sincerely,

Ratheesh Achath
Office of Head Service Quality

Beside all this happening ICICI has deducted 50000 rupees from my saving account with out my notice which was gather from my friend and my salary for my mother health related issue.

At last on 22-DEC-08 i have recived from collection ([protected] meenakshi and prakash) asking me to pay 12, 000 for one card and 6000 for other card but the actual i have used is 46000 putting both together.

If i am able to afford the same why i will be waiting so long, from september i am consistenly requesting bank people to help me but no one actually came forward.

I have esclated this issues many time but no responses. The bank has cheated the trust which i was having on them, i am not a bad person but the situvation from may-08 has turned into biggest financial crises ever for any youngster aged 23 years. I was ready to pay the bank people my principel amount and consitenly followed but no response.

I need justice and i want to highlight the society donot come the words of bank people because thier will say something but their will no keep up their words because few people called me we will resolve dont worry but no one turned up.

No words i lost everthing last 6 months but these bank people are sucking my blood and blocked my saving account to suck my salary even more.

NOTE: ICICI people i has a customer coming forward to pay my dues but no one is ready to help me this is why ICICI is falling down every day. But you people has caption stating "Satisfing customer needs", my humble request is not to use these caption if you people are not ready to provide services.

With Regards,
Balavittal

Dear Sir,

I am an ICICI Bank customer for the last 3 years and I have been offered a credit card from ICICI, initially I was not interested but they suggessted me don't use it just keep it, so I got the card. But once I received the card I have been called by ICICI Chennai and they says " we selected you as a lucky winner from ICICI Newcredit card holder list, you can withdraw Rs. 2.5 Lakhs and can be repaid within 36 months without any interest. You purchase Lambord policies for your family and you will get Rs.25000 per policy as cash gift by the middle of February 2008".

They told me that all these information you will get in written within 55 days but 90 days over I have not received yet.

They themselves given my family member details and sent the policy within 3 days and they are deducting Rs.6000 + as EMI every month. Just imagine paying Rs.75000 as medical policy for one family is totally illogical. I am not a land lord just I am a monthly salaried guy. How could I pay out these amount.

Now I realized that I have been cheated by ICICI Credit card staffs. I wanted to cancel all the policies and I want to return my credit card immediately. You are requested to provide me the address where I can send this card.

Thanks & Regards,
Thavaa.

Dear Sir,

This is to inform you that my father Sri. Surya Kumar Malpani, Son of Late Rameshwarlal Malpani, opened a current account being no.[protected] in the name of his firm ‘Cell Hub’ with the Siliguri Branch of ICICI Bank Limited. My father is physically handicapped and is suffering from permanent disability of 75%. I look after his business.

We had business transaction with said bank from June 2006 to September 2007. But eventually we had to stop banking transactions due to various irregularities and deficiency in service along with offences committed by the bank officials.

On 12th July 2006, an amount of Rs.40, 000/- was deposited and the said amount was duly credited in the account. However, subsequently an amount of Rs.100/- was debited from the account with a remark Short Tender. On enquiring about the matter, the Branch Manager told that the money deposited was less by Rs.100/-. There were few such other instances in that month where money deposited were credited to the satisfaction of the branch and then certain amounts were debited on such baseless pretext. On 16.09.2006 an amount of Rs.3, 50, 000/- was deposited and the same was accepted by the bank and thereafter duly credited. However later on it was found that a debit of Rs.100/- was made on the ground of ‘Forged Note’. The account was debited only after accepting the cash to their satisfaction and crediting the same in the account. None of the fake currency notes or mutilated notes as claimed by the Bankers were ever shown to us or returned. By the month of November 2006 an amount of Rs.3, 500/- was debited from the account after making due credit entries.

On 18.12.2006 a letter was issued to the Bank requesting him to return the currency notes with sufficient evidence that the same were tendered by us. After a long wait of few months nothing was done but the illegal debits were being carried on. When asked about the same, Sri Amit Dalmia the then Branch Manager told that the officer in the counter is so busy that he cannot check the authenticity of each note so it was sorted later. It was pointed to him that once any cash is deposited in a bank, and the same is credited to the account, any discrepancy regarding those currency notes cannot be brought up later. If anything has to be objected regarding the currency notes being deposited, it has to be done at the counter itself. Moreover we requested him to return or at least show the impugned currency note with the proof that it was deposited by us. On hearing this Sri Amit Dalmia became furious and told us to leave in an insulting way and stated that he knows banking more than us. Many of the debits after depositing money and crediting the same was made on grounds of torn/mutilated notes. But the fact remains that none of such notes as claimed by the Branch Manager Sri Amit Dalmia was detected and objected at the counter.

On 26th July 2007 an amount of Rs.1000/- was debited on the pretext of “FAKE NOTE 500*1 / 100*5 IRREGULAR NOTE” after making due credit entries. Subsequently on 17th August 2007 an amount of Rs.1600/- was cheated from us on such frivolous ground. We requested Sri Amit Dalmia, the Branch Manager to look into the matter personally and rectify the discrepancy. Sri Amit Dalmia told us that the request made by us was under process. But nothing was done on his behalf and money deposited was almost on a regular basis debited by some amount after the deposited money was credited to the account. By the month of September 2007 an amount of Rs.20, 500/- (Rupees twenty thousand five hundred) only was already taken out from the account in similar fashion and finally we had to stop transaction with the bank. After each and every occasion of such debit, Sri Amit Dalmia was asked to rectify his mistake and rectify the account but Sri Amit Dalmia the Branch Manager having no regard for law kept on misappropriating our hard earned money on baseless, unreasonable grounds contrary to the law laid by the Reserve Bank of India. We used to deposit the money which used to be credited accordingly and thereafter our account used to be debited and we never got trace of what happened to that money. It clearly shows that the Branch Manager, Sri Amit Dalmia along with others have taken out the money of the customers, converted the same to his own use and then debited the account of the customers on baseless grounds. Even after a long endeavour and numerous requests, for about a year Sri Amit Dalmia did not respond to our requests and grievances. Finding no other alternative on 26.07.2008, lawyer’s notice was sent to the Branch Manger Sri Amit Dalmia, Sri Harish Joshi, the Cluster Branch Manager, Siliguri, and copies were sent to Sri Surajit Roy Choudhury the Regional Head of Branch Banking and Sri Sumit Mehrotra, the Zonal Head. But still there was no response in the mater. Finally on 17.08.2008 a reminder was sent to Sri Amit Dalmia, Branch Manager. At this Sri Amit Dalmia sent a reply dated 19.08.2008 providing an excuse that the cashier is not in a position to check the currency notes, thereby admitting his offence

We had entrusted our money in the custody of the Bank and Sri Amit Dalmia, Sri Harish Joshi and others being the bankers have misappropriated our funds and broken our trust by cheating us of our hard earned money deposited with them. In a transaction period of about 1(one) year only, we have been cheated for an amount of Rs.20, 500/- (Rupees twenty thousand five hundred) only. In these circumstances it is apprehended that Sri Amit Dalmia, Sri Harish Joshi with the consent and connivance of other culprits are running a racket of misappropriating the customers’ funds on such baseless and preposterous grounds the amount of which may be insurmountable. Sri Amit Dalmia along with the other culprits has cheated us of our hard earned money. The culprits are dangerous in nature and have no regard for the law and are misappropriating the funds of the customers openly.

I therefore request you to kindly look into the matter.

Yours faithfully,

Manish Malpani
Malpani katra, Railgate No-1, Siliguri-734005
(M)- [protected] (O[protected]R[protected]

I have a Home Loan from ICICI Bank which was drawn on April 2006. I am one of those lakhs of gullible customers who has fallen prey to ICICI Bank's low rate gimmick in 2005-06. Initially my Home Loan rate was 8.25% and now it is whopping 13.25% with no signs of coming down.

Before getting the loan portfolio this bank was ahead of
the market in offering low rates and now they are behind the market in cutting rates and ahead of the market in increasing the rates too.

The reason for increase in home loan rates as claimed by
ICICI bank is the higher COST OF FUNDS. The high cost of funds is ostensibly because of their losses in overseas ventures, high cost of operation, heavy exposure to retail loans and lately due the flight of low cost deposits. All this is only to be borne by Floating Rate Home Loan borrowers. EXISTING HOME LOAN BORROWERS HAVE TO PAY FOR ICICI BANK'S MISTAKES IN OVERSEAS AND OTHER BUSINESSES.
What is our mistake ? Our mistake is that we went ahead with the leading private sector bank for home loans ?

Now customers of floating rate home loans like me have to
be the victims of the excessive, inordinate, baseless, exorbitant cost of funds of ICICI Bank. When RBI cut CRR in OCT 07 & NOV 07 all market players reduced rates for existing and new borrowers of home loans last year.
However ICICI Bank did the reduction only for new customers. This year in Aug 08 / Sep 08 when RBI increased CRR by 100 BPS due to inflation touching 12% ICICI increased interest by 150 BPS in one month duration !. (As per the bank rules any rate of interest will be with effect from the beginning of the new quarter which means the gap between two increases has
to be 3 months.
However they have made 2 increases in month.) There are
many such examples where ICICI bank does not care about customers interests.
When RBI has reduced rates drastically in the last 3-4 months, ICICI is still sitting on
high rates.
Even now when Govt. is asking banks to reduce rates, ICICI
Bank is adamant and is saying that they will have to watch !!! But they have reduced the
rates for new home loans to 11.5%. FOR EXISITNG CUSTOMERS THEY ARE TEN STEPS AHEAD OF OTHERS IN INCREASING THE RATES BUT 100 STEPS BEHIND IN REDUCING THE RATES.

Is this the No. 1 private sector bank??. If they are No. 1
they should be most effective and competent and way above the rest of the
market in offering lowest rates. Just like how Reliance is
competitive in telecom market. With this bank having such unilateral and
non-transparent cost of funds which they pass on to floating rate home loan
customers, we can never hope to repay our principals. Since their cost of
funds is always going up and not in line with the market home loan
borrowers can never get back their property in their life time. Even to our
children we will pass on the debt.

There are lots of service and transparency woes. If we make
pre-payments the principal will not be adjusted in the next EMI but in
the EMI after that. That means our money is idle for one month. Their
rate increases are never communicated. The rate of interest is varying
from person to person. If we make more prepayments they will increase our
rates so that we are always indebted to them. Tax declarations are not
sent on time.
There are no foreclosure charges (after 6 months to 1 year
of loan) by many banks, but ICICI bank charges even if the loan has run
for 10 years.
How long can this continue.


My request is that the Govt, RBI and the
Finance Ministry should do something about ICICI Bank?s exploitation of
customers. Off late ICICI Bank was worried about the recent rumours
spread in the market and it has complained to various authorities about the
same. Can ICICI Bank please answer all o[censored]s what it is doing for the lakhs
and lakhs of customer complaints and grievance against it by various
people suffering ?
Whenever their customer help desk people are contacted
they give standard, generic replies and are never specific.

Recently when there was some issue with the bank we were
not able to do net transfer since their system was down for several days,
ATMs and branches had long queues. Service at the branches is
chaotic. The branch people define rules of their own and change the same time
to time as per their convenience. There is nothing like relationship and
nothing like service. Branch staff are very cold and unfriendly in
response and see customers as trouble makers. This is my experience as a
retail and corporate customer and it is not any exaggeration. If
somebody has time I can give pages and pages of illustrations with proof.

My request is that:

a) Govt and regulatory authorities must put to rest the
exploitation by
ICICI Bank to its borrowers.
b) A strict audit of the operations and procedures of
the bank must be
done
c) A consumer association or group must be invited to
view the
transparency in home loan rates being charged.
d) A free passage be given to customers who want to exit
the bank due
to the atrocities faced by them. Govt. should ensure that
PSU banks
should be allowed to take over these loans without hassle
so that
borrowers can eventually own their dream houses.
e) We should invite ICICI bank people in a public forum
or on media and
ask them to listen and respond to customer woes.

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As it is interbank dispute between canara bank ulhasnagar-421005 & icici bank in collecting of our emi ecs of rs. 1940/- dated 5.11.2007 and we have taken intitative to solve this problem by visiting your kalyan (w) branch spoken with concern person ms. priyanka madam 3 times shown my passbook and payment that it have been debited to the icici a/c but then also your advocate M/s. Ashish Agarwal & Associates, 13-A, Ravi Industrial Estate, Off.Mahakali Caves, Nr.Paper Box Factory, Andheri(E), Mumbai- 400093. he has sent us notice and for this we have replied him on 25.8.2008 together with CANARA BANK, Customer Service Centre, 10TH, floor maker tower‘E’ Cuffe parade, Mumbai – 400005. And sorry and regretted to state that till date no reply is received from both of them and also nothing is heard from icici bank, kalyan branch reply though we have given all the details of passbook of canara bank, ulhasnagar 421005 to ms. priyanka. now it is intimated once again that as our all instalments except one of 5.11.07 is pending due to your side fault and want to close the matter by paying intial amount which is due to us of rs.1940/.
Expecting your immediate and urgent responce/reply.

Regards,

Rajesh Gobindram Gwalani
G1- Ground Floor,
Vishal Tower, o.t section,
Ulhasnagar- 421005.
Cell No:+91-[protected]

I booked a flat from one of the promoters in Bangalore. The promoter encouraged me to take a housing loan from ICICI Home Finance on the pretext that they have a tie up and loan processing is very smooth. On the pretext of facilitating documentation, the promoter also obtained all loan documents from me. I was told by the promoter that the loan amount will be disbursed only after verification from Bank and only to the extent of work completion at site. To my horror I realized that ICICI Home Finance has disbursed 85% of the loan amount, even though the project has not been completed even to the extent of 60%. I have complained to ICICI Home Finance and followed it up with 10 reminders so far, but they not even acknowledge the same. I have decided to welcome Chanda Kochar as CEO with my complaint.

Actually the ICICI Home Finance does not ralise that a scam is in the happening. Promoter and the Branch officials are conniving to siphon off money from the Bank for projects that show little or no progress for months on end. For the same project State Bank of India is refusing to fund beyond 60% of the loan amount. ICICI Home Finance is refusing to show me the engineer/ valuer certificate about the status of the project at the time of disbursal; tough take cover under the guise that I have signed disbursal papers. What are they are not conceding I did not ask them disburse for unfinished work.

Dear Sir,

i filex vijayakumar worked as an internal auditor at Karvy Computershare pvt ltd., problem is my company recently removed 40% of employees from our organisation two months before reason market is too bad, i am one of the person in that removed employees. now, iam searching job and i did't get any job till now, so, please give me advice "is there any change to pay my repayment to creditcards after getting my job. my track everything is good till month. i can not pay next month onwards.
i kindly request you please advice me as soon as possible.

I am the Credit card holder of ICICI Bank bearing card no. [protected]

My card has unnecessarily blocked without any prior information

i have mailed several times to ICICI bank officials but there is no response till yet.

SO KINDLY LOOK INTO THE MATTER AND TRY TO SOLVE IT ASAP

The details of my complaints are as under

---- Forwarded by Rajeev Shukla/IN/ABNAMRO/NL on 12/22/08 05:39 PM -----
Rajeev Shukla/IN/ABNAMRO/NL
12/20/08 02:49 PM
To
"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
cc

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






Dear Mr. Santosh
What is the status of my Credit card reactivation approoval ??????????



Regards

Rajeev Shukla




"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
12/15/08 09:24 PM
To
"rajeev.[protected]@in.abnamro.com" <rajeev.[protected]@in.abnamro.com>
cc

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






Dear Mr. Shukla,

We regret for the inconvenience caused to you.

We have looked into your concerns and realize that we will need few more days to revert to you.

Please accept our sincere apologies for the delay.

Looking forward to your cooperation and patience in the interim.



Sincerely,

Santosh Nirgun
Customer Service Executive,
ICICI Bank Limited.

CONFIDENTIALITY INFORMATION AND DISCLAIMER

-----Original Message-----
From: rajeev.[protected]@in.abnamro.com (rajeev.[protected]@in.abnamro.com)
Date: Saturday, December 13, 2008 04:41 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Fw: RE: level2complaint/ Credit Card ( Reminder 1 )

Regards

Rajeev Shukla

----- Forwarded by Rajeev Shukla/IN/ABNAMRO/NL on 12/13/08 03:35 PM -----

Rajeev Shukla/IN/ABNAMRO/NL
12/11/08 06:43 PM


To
"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
cc

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







Dear Sir,

This is to bring to your kind notice that my Credit Card has still not been activated. As per your commitment the credit card was supposed to be re-opened by 10th of December 08 which stands failed. Inspite of my repeated reminders to you, your commitment has failed for the needful..

Now that i would like to remind you for the last time and inform you that if the needful is not done by 13.12.2008 the necessary matter shall be escalated to the higher authorities and Banking Ombudsmen and u shall be the responsible for the same.Please take the matter serious and with high priority..


Regards,
Rajeev Lochan Shukla | Acquisition Manager | Personal Banking | | Lucknow Branch
[protected]_ | 7 Fax[protected]_ |([protected]
ABN AMRO Bank N.V. – Consumer Banking, 93, M.G Marg, Lucknow -226001, India




"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
12/06/2008 09:14 PM


To
"rajeev.[protected]@in.abnamro.com" <rajeev.[protected]@in.abnamro.com>
cc

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








Dear Mr. Shukla,

We have looked into your concerns and realize that we will need few more days to revert to you. Please accept our sincere apologies for the delay.

Request you to wait till december 10, 2008.

Looking forward to your cooperation and patience in the interim.


Sincerely,

Santosh Nirgun
Customer Service Executive,
ICICI Bank Limited.

CONFIDENTIALITY INFORMATION AND DISCLAIMER


From: rajeev.[protected]@in.abnamro.com (rajeev.[protected]@in.abnamro.com)
Date: Thursday, December 04, 2008 11:38 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Fw: RE: level2complaint/ Credit Card( Reminder 1)



----- Forwarded by Rajeev Shukla/IN/ABNAMRO/NL on 12/04/2008 09:48 AM -----

Rajeev Shukla/IN/ABNAMRO/NL
12/02/2008 02:54 PM


To
"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
cc

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







Dear Mr Santosh
For your kind information my all details are currect as per your records .
Details are given below...

Name. Rajeev Lochan Shukla

Resi Add. C 222 South City Rai Bareli Road
Near Idea Tower Lucknow ( U P )
Pin- 226002

Mailing & Work Add.
ABN AMRO Bank
ABN AMRO House
93 M G Marg Hazrat Ganj
Opp.Governer House Lucknow (U P )
Pin -226001
Contact No .
Mo.[protected]

Office No.[protected],
[protected],

Note - Mr.Santosh pls give me responce in urjent basis bkz i am also waiting to long time for this matter.
Awaiting your reply..


Regards,
Rajeev Lochan Shukla | Acquisition Manager | Personal Banking | | Lucknow Branch
[protected]_ | 7 Fax[protected]_ |([protected]
ABN AMRO Bank N.V. – Consumer Banking, 93, M.G Marg, Lucknow -226001, India




"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
12/02/2008 11:00 AM


To
"rajeev.[protected]@in.abnamro.com" <rajeev.[protected]@in.abnamro.com>
cc

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










Dear Mr. Shukla,

This is to reference E-mail to Mr. Anirudh Kamani regarding activation of credit card no. 4477 xxxx xxxx 1005.
As per department revert, we request you to send your latest Home and office address along with land line and mobile number.

Also request you to confirm which address out of work and home address want as mailing address.

Looking forward to your cooperation and patience in the interim.


Sincerely,

Santosh Nirgun
Customer Service Executive,
ICICI Bank Limited.

CONFIDENTIALITY INFORMATION AND DISCLAIMER


Th
-----Original Message-----
From: rajeev.[protected]@in.abnamro.com (rajeev.[protected]@in.abnamro.com)
Date: Thursday, November 27, 2008 12:20 PM
To: ICICI Bank Customer Care (customer.[protected]@ICICIBANK.COM)
Subject: Fw: RE: level2complaint/ Credit Card









"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
12/02/2008 11:00 AM


To
"rajeev.[protected]@in.abnamro.com" <rajeev.[protected]@in.abnamro.com>
cc

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










Dear Mr. Shukla,

This is to reference E-mail to Mr. Anirudh Kamani regarding activation of credit card no. 4477 xxxx xxxx 1005.
As per department revert, we request you to send your latest Home and office address along with land line and mobile number.

Also request you to confirm which address out of work and home address want as mailing address.

Looking forward to your cooperation and patience in the interim.


Sincerely,

Santosh Nirgun
Customer Service Executive,
ICICI Bank Limited.

CONFIDENTIALITY INFORMATION AND DISCLAIMER

-----Original Message-----
From: rajeev.[protected]@in.abnamro.com (rajeev.[protected]@in.abnamro.com)
Date: Thursday, November 27, 2008 12:20 PM
To: ICICI Bank Customer Care (customer.[protected]@ICICIBANK.COM)
Subject: Fw: RE: level2complaint/ Credit Card




Dear Mr. Santosh
What is the status of my Credit card reactivation approoval bkz my credit card not activated.
this is request you to kindly do needful.


Awaiting your reply..


Regards,
Rajeev Lochan Shukla | Acquisition Manager | Personal Banking | | Lucknow Branch
[protected]_ | 7 Fax[protected]_ |([protected]
ABN AMRO Bank N.V. – Consumer Banking, 93, M.G Marg, Lucknow -226001, India


----- Forwarded by Rajeev Shukla/IN/ABNAMRO/NL on 11/27/2008 12:12 PM -----

Rajeev Shukla/IN/ABNAMRO/NL
11/24/2008 06:59 PM


To
"ICICI Bank Customer Care" <customer.[protected]@ICICIBANK.COM>
cc

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











Dear Mr. Santosh..

Received ur mail and have gone through the content, Glad to know that u have taken the necessary action and have approved my card for the activation.. Ur earliest action in this regard to activate my Credit Card shall be highly appreciated..

However it wud have been more kind o[censored] i[censored] cud also really tell the reason for which my card was blocked..

Awaiting your reply..

Kindly do the needful & oblige..


Regards,
Rajeev Lochan Shukla | Acquisition Manager | Personal Banking | | Lucknow Branch
[protected]_ | 7 Fax[protected]_ |([protected]
ABN AMRO Bank N.V. – Consumer Banking, 93, M.G Marg, Lucknow -226001, India







"ICICI Bank Customer Care" <customer.[protected]@ICICIBANK.COM>
11/24/2008 06:31 PM


To
"rajeev.[protected]@in.abnamro.com" <rajeev.[protected]@in.abnamro.com>
cc

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












Dear Mr. Shukla,

This is to reference E-mail to Mr. Anirudh Kamani regarding blocking and reactivation of credit card.

As per telephonic conversation, we have escalated your complain to our concern department to activate your credit card no. 4477 xxxx xxxx 1005, however we won't be in position to disclose the reason for blocking of credit card account.

Looking forward to your co-operation in helping us serve you better.


Sincerely,

Santosh Nirgun
Customer Service Executive,
ICICI Bank Limited.

CONFIDENTIALITY INFORMATION AND DISCLAIMER



-----Original Message-----
From: rajeev.[protected]@in.abnamro.com (rajeev.[protected]@in.abnamro.com)
Date: Saturday, November 22, 2008 05:44 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: level2complaint/ Credit Card



Dear Mr. Santosh

This my alternate mobile no. [protected] Request you to Kindly Contact me any time suitable for you .
otherwise pls give me Your contact no. so that i will call you .



Regards,
Rajeev Lochan Shukla | Acquisition Manager | Personal Banking | | Lucknow Branch
[protected]_ | 7 Fax[protected]_ |([protected]
ABN AMRO Bank N.V. – Consumer Banking, 93, M.G Marg, Lucknow -226001, India




"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
11/22/2008 02:20 PM


To
"rajeev.[protected]@in.abnamro.com" <rajeev.[protected]@in.abnamro.com>
cc

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









Dear Mr. Shukla,

This is to reference E-mail to Mr. Anirudh Kamani regarding activation of credit card no. 4477 xxxx xxxx 1005.

We would like to speck to you regarding query on your credit card however you are not contact able on your mobile number [protected].

Request you to provide your correct contact number and preferred time to contact.

Looking forward to your co-operation in helping us serve you better.


Sincerely,

Santosh Nirgun
Customer Service Executive,
ICICI Bank Limited.

CONFIDENTIALITY INFORMATION AND DISCLAIMER


-----Original Message-----
From: [protected]@icicibank.com ([protected]@icicibank.com)
Date: Wednesday, November 19, 2008 04:19 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: level2complaint/ Credit Card


Name: rajeev lochan shukla
Product: Credit Card
Account No: [protected]
Application No:
E-mail address: rajeev.[protected]@in.abnamro.com
Mobile no: [protected]
Telephone no: +[protected]
Service Request(SR) No:SR85952016
Details of complaint: Dear Sir,
I am holding a Icici bank credit card bearing
no.[protected]..

As per the confirmation by your customer care, I have come to know the status that my card has been permanently blocked due to late payment, but i wish to bring to your kind notice that i have always been paying all my outstandings, and always paid all the necessary late fees, interest and other charges whatsoever has been charged on my card and always made the payments for each and every bill, but still having always been making the payments my card has just been blocked without any reason, My last payment got delayed only just because i was out of town and was not in a situation to pay the payment on time as i reached back my hometown a little late, and just for this reason my card has been blocked..

I was not given any reminder call for the payment neither any sms alerts nor any personal call by the executive and without any prior notice the bank has blocked the card.. Now that i have been following up the matter repeatedly, i notice that the bank is not co-operating the needful with me.

Hence i hereby wish to inform you to treat this mail seriously and revert back the needful or else failing to his i shall be forced to take the necessary action in Legal and also the complaint shall be forwarded to the concerned higher authorities and also to the Banking Ombudsment..

Therefore kindly treat this matter with serious note and need the revert at the earliest..

Sir,
Ref: ICICI bank Credit card no:[protected].

i paid my oct`08 bill by cheque on 20.10.08 amount Rs.3000.00. and get conformation on 24.10.08 from ICICI via SMS.
when i was get the next month bill, there they put two entries. 24.10.08 - Amount was credited
28.10.08 - Cheque return
i want know, why that cheque is return?
if thr cheque is return, where is the cheque?
and what is the reasion?
For that they charge me arrount Rs.150.00.
regarding this i already lauched a complaint here one month back, and i get replay from icici " give me 7 workin days time - we will get back to you"

but now almost one month was over, no responce from icici.
i called customer care, they were tell " i write the card no is wrong" how it is possible?

if the no is wrong how you make entry on 24.10.08 in my card.
I am very un happy on this isue.
last one month i was flowup this isue. when you are going to solve? if we are making one day delay you are charging lot of fine, but you are making one month delay, howmuch you are going to pay me?

regards,
Prabakar T
[protected].

Humm.. waht to tell about this bank. you can please go through the following mail can just figure out. But for a brief:
I took a loan against CC which was shown as pre approved. I got the amount two time during 6 days of time. I inform abt the second one to customer care abt no response, fortunately i started communiocating with them in written seeing this bank reputation, and rest you can know in the following mail. Besides this communication, i have spoken to customer care over trhe phone for which i have not provided the any no. Last time i cummunicatted on 22 Dec 2008 on[protected] then 173. this was told by Sec 50 branch saying there your dispute will be sorted out.

I visted this branch on 20 Dec 2008 with CR No CB135. But he seemd helples and send me to collection department who gave me this no.


Dear Account Manager,

I think you have just looked into the matter or taking some action also. Is there any solution to this kind of technical fault. I am sure that you are not facing such complaint for first time. I am not able to understand that i apply for a loan online. Second I got the amount twice. I notify the matter to you. But you people reply, in our accouht this, only one time transfer showing. I still keep you updating about this. But there no action planed or taken. And finally wht i see that Mony is registered to my existing loan ammount and EMI's are started. Now you people ask me to cancle this loan. When i have not applied for this one, why should i raise a request for canclling this. Even then i ask to raise this, i got a call but nothing is happening. Now i am outside of india, Once back, i would like to personally solve this matter. Now i know you cannot do anything than provading me a date again and again. Please let me know the person or branch address where i can go and personally reslove this matter by talking face to face.
-----Reply Separator-------Dear Mr. Kumar,

We have looked into your concerns and found that we will need a few more days to get back to you. Please accept our apologies for the delay.

Our senior officers will be attending to it and will update you on the resolution by November 10, 2008

Sincerely,

V.Saritha
Customer Service Manager
ICICI Bank Limited



-----Original Message-----
From:[protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Tuesday, November 04, 2008 04:26 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Others

Reminder
-----Reply Separator-------Dear Mr. Kumar,

We have escalated your complaint regarding the personal loan to the department concern and we will revert to you by November 04, 2008.

Sincerely,

V.Saritha
Customer Service Manager
ICICI Bank Limited


-----Original Message-----
From:[protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Wednesday, October 29, 2008 04:31 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Others

Dear Account Manager,

This is a gentle reminder that I have not received any update on the following yet.

-----Reply Separator-------Dear Mr. Kumar,

We have forwarded the details to the department concerned for the cancellation of the Personal Loan.

We will revert to you by 27/10/2008.

Safe Banking Tip:
Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.

Sincerely,

MALDAR IQBAL -Emails CC -Hyd
Account Manager
ICICI Bank Limited

ICICI Bank now offers 10.5% p.a. for fixed deposits. Choose from tenures of 390 days, 590 days and 890 days. Please contact any ICICI Bank branch.


-----Original Message-----
From:[protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Friday, October 17, 2008 01:53 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Others


Dear Account Manager,

I would like to inform you that in spite of my repetitive notification on a issue of crediting my account twice for a single loan request on credit card Cash in Select offer and your acceptance for the same (See the following mails) and further taking confirmation from me for amount deduction by an executive over the phone, no action has been taken yet.

But, to my surprise, I can see the amount now is reflecting in my CC loan account with more processing fee and service tax for the wrongly credited amount.

Even though this is a clear sign of being careless, I again took the step and informed the matter over the phone to customer care executive on Tuesday, October 07, 2008, and received an assurance of taking action with in 24 hours and also given a request no: SR81918477. But it was 16 October 2008 yesterday but no action again. I called up Executive and explained the issue and received a reply "This must have been done, now I take complaint for this" and when I asked for the Complaint No. he said "you will get it on your mobile phone" but what I got is nothing as usually.

Now I do not know that what to talk with you or how else to inform, as the matter is almost 2 months old but no action as of now. I do not want to file a case but you have left me with no other options.

Providing the account number again which can help in understanding the matter:
Branch Id : 6294 Account Id :[protected]
Loan Account No: PLAT [protected]
Credit Card No: [protected]

Regards,
Sanyog Kumar


-----Reply Separator-------
Dear Mr. Kumar,

We regret our inconvenience caused.

We confirm you that there is only one loan taken for Rs.292500 on credit card which was transferred to your savings account on 11th August, 2008.

However, we request you to confirm whether you wish to cancel the loan taken on credit card as you informed that you received personal loan through online which is not availed on credit card.

Looking forward for your cooperation to serve you better.

Safe Banking Tip:

Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.

Sincerely,

N.Varalakshmi,
Account Manager
ICICI Bank Limited

Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking >Cards> View credit card e-statement.This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.

Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com






-----Original Message-----
From:[protected]@infinity.icicibank.co.in[protected]@infinity.icicibank.co.in)
Date: Monday, August 25, 2008 01:02 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Others

Branch Id : 6294 Account Id :[protected]


Dear Officer,

Per your communication, sending my credit card number and account no of loan on credit card :

Loan Account No: PLAT [protected]
Credit Card No: [protected]

For more details, please go through the trail mails or conatact me on my mobile [protected].

Regards,
Sanyog



----- Forwarded by sanyog.kumar/Polaris on 08/25/2008 12:58 PM -----
"ICICI Bank Customer Care" <customer.[protected]@icicibank.com>
08/23/2008 06:15 PM
To
"sanyog.[protected]@polaris.co.in" <sanyog.[protected]@polaris.co.in>
cc
Subject
RE:'ICICICARE=[protected]' Complaint : -Pre approved Loan requested once from interner banking butapproved and credited to my account in two different transaction,


Dear Mr. Kumar,
For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com
We regret the inconvenience caused.

We tried to trace your credit card number, but without success.
Please provide your credit card number if your query is pertaining to loan on credit card so that we may reach you and resolve your query.
Looking forward to your co-operation in helping us serve you better.
Safe Banking Tip:
Never share your internet banking passwords & ATM/Debit card pin with anyone. ICICI Bank will never ask you for your ATM /debit card PIN and net banking passwords.

Sincerely,
Swetha
Customer Service Officer
ICICI Bank Limited
Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking>Cards>View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders.
Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com
CONFIDENTIALITY INFORMATION AND DISCLAIMER:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.
-----Original Message-----
From: sanyog.[protected]@polaris.co.in (sanyog.[protected]@polaris.co.in)
Date: Friday, August 22, 2008 05:35 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Cc: kumar.[protected]@gmail.com (kumar.[protected]@gmail.com)
Subject: Complaint : -Pre approved Loan requested once from interner banking butapproved and credited to my account in two different transaction,
Dear Officer.

I applied for pre approved loan offer of amount Rs 292500 on 6 Aug 2008 from my online internet banking service, as a result i received the amount in my savings account number[protected] on 6 Aug 2008 itself against the reference number [protected]. On 9 Aug 2008, h i got a call from ICICI that this is a verification call for the application of pre approved loan offer of RS 292500, after finding verification positive, executive assured me that this amount wil be credited to ur account in 2 wprking days. But as i had already received the amount, i brougt the same into his notice.
But to my surprise again i recevied the same amount on 11 aug 2008 in my same savings account. i have spoken to customer care on phone many time but they do nothing but transfer my call from savings account to credit card to cash in select to loan on phone. This race is on for last 3-4 days.
I am fed up and feel help less. no one is trying to understand the exact scenario. I applied once i given two different loan of same amount for same tenour.
Above all i am informing and trying to bring the issue into the matter but i am being redirected from one place to another. i m totally dejected never experenced such a bad exprience with ICICI bank.
I do not want to continune with either of them now. I am in no need to go for bouth and pay an heavy instal ment and extra interest.

So i request you to coordinate with all the concerened department and look into the matter also feel free to contact me at any point of time during the investigation.



Regards,
Sanyog Kumar
[protected]