ICICI Bank Complaints & Reviews

dear sir,
i am using the above mentioned credit card but now i want to cancel these card because i am suffering unhealthy as i am a handicap i am not able to run my business due to my health condition and not able to pay the amount so please allow me to settle my card as three installments i have given one payment of rs 5000/- by cheque and your receipt no is c[protected] and next two installments will be made after receiving your full and final settlement letter and i had already given a request to your executive with the cheque on 24/10/2008
please make it as soon as possible


Prajwal Padmanabha

C/o.Kaveri Enterprises,

#12-C.M.M.Industrial Estate,

Bangalore 560 07

i am having icici bank credit card they transferred reward points from icici to i mint account i redeemed 5500 points for micro wave Owen on[protected] i received product on[protected] it was damaged i called at the same time to i mint they told me that they will replace it within 15 days till now it has not been replaced i have called hundred times every time they give same answer, product will get replaced within next two or three days what to do know?

I have an ICICI Bank credit card and had given an application for address change at their branch when I changed my address. The bank never sent me any statement on the new address for now more than a year. Now, suddenly they deducted around Rs. 11, 000 from my savings account (for which I get the statement at my new address). On talking to the customer care they told me that some amount was pending on my card and then there was hefty interest and finance changes which they deducted from my account. They took all the effort to link my savings bank account and make debits without any consent. If they had the right intentions they would have cared to inform me first - they never tried to contact me on my new address, they did not even try to contact me on the address that was there on my savings account. They were more than eager to charge their customer hefty charges and steal that money from the account. This shows bad intent on the bank's part. Their intent was reflected again when I contacted the credit card department, the banking department and the collections department. I am willing to pay all the genuine expenses I have made through the card however the bank should refund the unreasonable charges.

Dear Sirs,

I have applied online for ICICI Bank EMI Card on 8th November 2008. Subsequently I was contacted by the bank staff for verification and confirmation etc. They even sent their executive for this purpose. But since then I have not heard anything from them as to whether my applicaiton was accepted or rejected. I tried to equire about this from their customer service number [protected] but was unsuccessful to get through to them every time I dialed this number. I want to know the status of my application but I don't know how to get through to them.

Thanks

Thang muan lian

I needed to withdraw Rs. 1000/- and tried to do so from an ICICI Bank ATM with my HDFC Bank ATM card. No money in first attempt. Tried again. No Money again. Tried Again. No money again.

Next day, I opened the net banking and saw Rs. 3000/- deducted from my account.

Several phone calls to the phone banking service of HDFC Bank

I lodged a complaint with HDFC Bank. ICICI Bank refused to pay back (as per HDFC Bank) and said that cash was dispensed.

Several phone calls to the phone banking service of HDFC Bank again

I then went to a branch and filled a charge-back form for further investigation

Several phone calls to the phone banking service of HDFC Bank again

Almost 2 months have passed and I am surprised by the unconcerned behavior of the bank.
Also, machines like ATM are meant to be totally fool-proof. Guess here too corruption leads to inferior quality.

Dear all

This is with regards to the loan given on my my wife's credit card without any repayment instructions and options. On February 14th I gave Rs. 80000.00 to a collection agency appointed by ICICI to regularise the loan account.

Till date this money is not trace able and I have recieved unlimited harrassment and threatening calls from all corners and collection agents of all sorts.

Since the time the money has gone mising I have stopped paying up the EMI's

Would like to know what can I do, what legal action can I take against ICICI to recover my lost money and how far is ICICI liable as I desperately wish to settle this account and not deal with these collection agents anymore.

Your valuable advise will be much appreciated

Regards

Sanjey Kumar Bhatiya

Hi,
I have filed my complaint to Mr. Kamani, Mr. Mehta & Mr. B. Madhivanan but did not get any response from them. Hoping that you can solve my problem with the ICICI credit card.
I had tried to make PVR cinema transaction of 300 Rs. which was not completed but still i was charged money by ICICI. And for that i was asked to send FAX to ICICI. I sent it 3 times & finally i got confirmation in 1st week of sept that it has been received & under process. Now when in november i went to branch to check the status of my request, i came to know that ICICI executive had closed the request with the STATUS showing the "FAX TO BE RECEIVED FROM CUSTOMER".
Now you tell me what should i do. Bank branch do not accept the written application for Creditcard. & i am charged so many times for servicetax & late payment fees.
requesting you to solve the issue AsAP.
thanks.

Dear Sir,
I producing the letter which i have written to the Bank Chairman, whrere i have explained the whole problem.
================Letter Sent to the Bank==============================
Pamu Kumar Swamy,
501, Blacksmith Park-II,
Plot No.14, Sector 16,
New Panvel-410206.


Dated: 3rd August, 2008

To

The Chairman,
ICICI Bank,
Mumbai.

Dear Sir,

Sub: CRIMINAL NEGLIGENCE OF YOUR STAFF – MISUSE OF MY A/C.
CRIMINILISATION OF BANKING.
Ref: My A/c. No.[protected] with Dadar Branch &
Credit Card No. ___[protected]____________________________________.

With reference to the above, I wish to bring the following information to your kind attention and solicit your immediate action.

I have the above a/c with your Dadar Branch and the said a/c which I have not operated for a period of Feb & Mar somewhere around 40 days. In February 2008.

As usual along with my credit card statement I have received an enquiry for availing personal loan & on receipt of it I have made some enquiries with the bank and told them I will come back if I need and as I never required I didn’t ask for any loan to my surprise I’ve checked my ICICI bank a/c statement/ balance in first week of March I have noticed Rs.50000/- has been credited in my a/c. since I have not deposited any amount in my a/c I have immediately brought the issue to the notice of Dadar Branch.

Then I was given to understand that the money has been transferred from ICICI Bank’s Personal Loan Division which I have never asked. As customer of the bank I have immediately informed the bank and asked S.R.58527453, dated 7th March, 2008 and in spite of repeated following with your officers as usual there was no reply from your end. All the commitments by your officers to solve the issue within 24 hours with no effect and whenever I call them for senior persons I got a constant reply that they are not authorized to reveal any senior’s name & their contact numbers.

But adding to my surprise all of a sudden a collection agent has come to my home for asking EMI of the loan which I have never asked for. The collection agent has taken the S.R. no and promised to take prompt action with authorities and close the issue.

Again the same episode repeated with no replies from bank, when I checked with the back officers about the status of the S.R.s they asked me to raise one more S.R. bearing the nos. 62613813, dated 11.04.08 and again the back officer has promised to come back within 24 hours and resolve but nothing has happened till now.

I am a professional and getting paid only for doing my assignment I had no time to follow up the case but your bank personnel even they are paid for it never bothered to give a prompt response. This utter negligence in the part of your bank is very very irresponsible and resulting me lot of inconveniences. Now I got a notice from your bank’s legal department to pay the loan or to face legal action. Immediately I have contacted the person responsible and he has promised me to reinvestigate (I fail to understand the meaning of re-investigation) the case and come back to me within 5 days but he never replied.

Again, today i.e. 3rd August, 2008 I have called back your back office people regarding the issue and according to them, I have given verbal consent for loan on 25th of April 2008 against which they have credited amount well before on 7th February, 2008. THIS IS STRONG PROOF OF NEGLIGENCE OF YOUR STAFF AND HARASSING THE CUSTOMERS.

It is too much and I have no time to waste with you AND finally advise you to take prompt action and to solve the issue once and for all failing which I will be left with no option but to initiate legal action against the negligence on the part of your useless, irresponsible staff.

A line of compliance from your end will be highly appreciated.

Regards,

Pamu Kumar Swamy


=============END of the letter===================

now the curent scenerio is they have taken this Rs 50000/- from my ICICI account on 18th Aug, 2008 with out my consent. I thought the problem is over but now also i am getting the loan bill with the intersest.
when i am asking back office they say talk to their recover agent, ahen i spoke to their agents they say talk to the bank officer.

i would appreciate if you could extend your help to resolve this case.

thanks and regds

pamu kumar swamy

Dear Sir

ICICI Bank Credit Card despatched by the bank on 24 November 2008 via AW Number [protected] through ExpressIT Courier did not reach me so far.

The courier service called me on Monday (Dec1, 2008) from nos[protected]/32027013 and asked about me my address and availablity. They told me that this courier will be delievered by the evening (6PM). I was in office till 8 pm but noday came to deliever the courier.

On enquiry today from website, the courier service verified the status and informed that the card was not delivered as I was not available at my address, whereas being an engineer, I am available in the office everyday excluding sunday as it is my office address. Also, nobody came to me.

Today I tried to call courier office at New Delhi on the telephone number[protected]/ 32037013 and nos[protected]/12 provided to me by the bank but there was no answer.
Yours faithfully

Sunny Watts
[protected]

Dear Customer Care Officer,
ICICI Bank, Credit Card Section,

I hold an ICICI credit Card bearing No.[protected] w.e.f. 04.2007.During the last one and half an year I always paid my credit card dues timely.But on 22nd Nov'08 I received a telephonic call from your office to pay an amount of Rs. 6, 403.00 immediately which was said to be the last month's due which was not paid in time before 4th Nov'08.But for your kind information I would like to state that I did not get such statement before 4th Nov'08. However, as soon as I got the information about my dues I paid the same amount immediately on the same day i.e. on 22nd Nov'08. Unfortunately I got the Credit Card Statement dated 18th Nov'08 only on 29th Nov'08 where I found that late payment fee, interest, service tax etc amounting to Rs. 538.67 has been levied along with my actual transaction and the total amount due was shown as Rs. 6, 403.00 during the period from 17 th Oct'08 to 17 th Nov'08.
Under the circumstances stated above may I request you to reverse the additional amount of Rs. 538.67 which has been charged as late payment fee, interest, service tax etc. to my account.
Thanks and regards,
Yours sincerely,
Gautam C Ghosh.

Actually i am having ICICI Credit card, Without using the card they are making charges.Before 6 months, I had paid the outstanding amount (without using the card more than a year).After that i formally sent an mail regarding closing my credit card(I enquired about closing procedure in branch).Still now i am getting call & Statement to pay amount.

Sir/Mam,




I have saving a/c (No.[protected] at ICICI Bank at South Extn. Branch, Delhi. Bank applied freeze to my a/c without any information and did not remove freeze to my a/c two weeks after complaint.

After visiting at my base branch South Extention II, New Delhi there are unsatisfactory answer by staff present ober there.

Due to this I'm facing financial problems because I'm unable to draw my money from bank.

Please, do the needful and help me soonest.



Anant Sharan Mishra
Cell: [protected]

I never receive my credit card statement on my e-mail id although email id had been given long back and many times requested for the same also but nobody is paying attention also.

On every credit card statement (which ever hard copy ) i received it is mentioned that a copy of the same has been sent to you on your email id but none of them have ever reached to me and because of this reason many times i got to pay the late fine. The same situation is this time also. I have not yet received the card statement for the last month.

Request you to kindly send me the same at the earliest by email.

With Regards,
Sudhir Kumar Singh
Card No-[protected]
[protected], [protected]

I took a home loan from ICICI bank in 2006 and regurlarly paying the EMI. I have taken a floating rate for my home loan. ICICI bank has incresed the interest rate from 8.7 % to 13.5% in last too year. They are sucking the blood of customer. We are not in satuation to pay that much higher interest. Also they are deducting only RS 99 as priniciple amount out of Rs 18626 (EMI). Rest of banks are giving the loan in lower interest.


RBI should strictly look into this matter and save customers of ICICI bank.

Regards,
Himanshu

I am using my ICICI credit card for the last 5 years. I was promptly paying the payment ontime. Afterwards due to financial crisis, I could not pay the amount and hence they started imposing interest and penalty. I followed with them to reverse the interest. After six months they got convinced and said I need to pay the outstandnig and afterwards they will reverse the amount.

When i asked them to confirm the outstanding. they said they will not reverse the penalty and i have to pay full amount.

Please help what i can do in this case.I also wrote to bankng ombudsmon hyd. BUt no resolutoin.

can i ask them for settlememt..

Dear Sir,

Please suggest what shall i do?

Dear Sir,

I have an ICICI Bank Salary Account. Today after my salary got credited and as usual I received SMS from ICICI Bank. In the SMS it was stated that my Total Available Balance is Rs. -5, 655.86/-.

I called up the customer care number to inquire the reason behind the negative balance. To my greatest surprise, I came to know that an amount of Rs. 35, 286 /- has been blocked due to non-payment of Credit Card bill.

I have neither applied for this Card nor have I received this card. I am residing in Hyderabad since May 2006. The Customer Care officer told me that the Primary card and an Add-On Card No., has been received by my brother residing in Chandannagar (Hoogly - 712136, WB).

What came to me as a shock is how I can become the primary card holder even when I have not applied for the card? I have not even put my signature on any application form. I did not receive any verification calls at my office or residence address, both in Hyderabad.

My father and brother have applied for this card and had been using this card, without even informing me. How can I be the Primary card holder and why do I need to pay the outstanding amount. And why is my salaried account been blocked.

There seems to be some fraud either from them or from the ICICI bank credit card representative for making me the primary card holder. I guess that they have put my signatures to make me the primary card holder.

My question is how can ICICI bank issue a credit card on my name without my approval.

What step can I take against ICICI bank for doing this fraud.

I am eagerly waiting for your response.

Thank you very much,
Kasturi Mitra

I Dushyant Pathak, having Salary Account at Rajkot Main Branch (Gujarat). I am doing all my transactions through Internet and same way I tried to transfer sum of Rs. 10, 000 on 31st October 2008 from my A/c[protected] to A/c no[protected].

But due to typing error it was transferred to A/c no[protected]Typing mistake of only one digit in A/c no). Sir, immediately I came to know about the mistake and instantly I met personally to
MR. MITUL SHAH (Asst. Manager – Rajkot Main Branch) and narrate the whole issue to him.

Mr.Mitul has transfer this issue to Nagpur branch as the A/c in which the fund transferred is opened at Nagpur. So, I contacted SUWARNA MADAM at Nagpur and told her the whole issue through telephone and she assured me for the required steps needs to be taken by her end.

Sir, unfortunately after almost one month SUWRNA MADAM is telling me that the A/c holder in who’s A/c the fund was transferred is not in touch and not responding to the bank regarding this issue.

Sir, my humble request to you is please look in to the issue and help me in getting back my money safely. Sir, I am helping the bank in all aspect and let me assure you for the same in future also.

Anticipating your positive and favorable reply.

Sir,
I am an ICICI Bank account holder. My account number is[protected]. When I opened the account I was told that I can use any bank`s ATM without paying any ATM charges. So whenever I used any other banks ATM, ICICI Bank charged some ATM charge but at the end of each quarter they reversed the ATM charges subject to maintenance of a minimum balance of Rs. 10000.
Now every quarter I got back all my ATM charges back until the quarter of September-December 2007. During this quarter ICICI bank did not reverse my ATM charges and this continued till the month of August 2008. Before this on all previous occasions my ATM charges were reversed.
When I met the bank manager in Gandhinagar branch he asked me to file a written complaint. So on 13th August 2008 I wrote a written complaint about the non-reversal of my ATM charges. The bank authorities of the bank mentioned that one needs to convert to a freedom account for availing the ATM charges reversals and that my account was not a FREEDOM ACCOUNT. I applied for making my account freedom account on 13th August 2008 but despite of applying on 13th August 2008, I was again charged ATM charges on the following dates:
Rs. 20 on 16/07/2008
Rs. 20 on 21/07/2008
Rs. 20 on 26/07/2008
Many weeks passed by and no action was being taken. I visited bank branch at Gandhinagar and took my complaint number which was 77632718.
After this I sent several messages to ICICI bank quoting my complaint number and finally on 15/11/2008 some ATM charges were reversed. But when I checked with my bank statement there were a large number of ATM transactions for which the amount was still not reversed. So I wrote another mail (complaint number SR[protected] stating that still many ATM charges were not reversed. I also stated the range of dates where ATM charges were not reversed.
ICICI bank again reversed some of the ATM charges on 18/11/2008 but after checking my bank statement still many ATM charges not reversed.
After that I have again sent several mails (3 in total) stating the precise dates on which the charges have not yet been paid up but ICICI Bank is not responding to mails.
ICICI still has not reversed the ATM charges on the following dates:
28/01/2008 Rs.22
23/01/2008 Rs.67
01/03/2008 Rs.67
29/04/2008 Rs.20
03/05/2008 Rs.20
10/05/2008 Rs.20
31/05/2008 Rs.20

On many of these I have carried out 2 or 3 atm withdrawals in the same date ICICI has reversed 1 out of 2 or 2 out of 3 but left out one transaction for reversal.

It is a matter of great negligence and carelessness on the part of ICICI bank. To get a sum of money that belongs to me I have to write so much, complaint so many times, cross check and find that still some amount is pending. Also so much time is wasted in doing so, ICICI bank should ideally return my money with interest associated with the money along with my expenses on complaining again and again about their negligence.
A fine should be levied on ICICI bank and a thorough check should be done by other ICICI Bank Account holders to see if ICICI bank is not defaulting with them also.
All of this prompts me to take a legal action against ICICI bank along with closure of my bank account. I have lost faith in the bank.
I would be very grateful to you if you can help me to get back my money from ICICI bank. I also appeal to you to talk strict action against the bank authorities responsible for these faults.

Thanking You
Arjun Singh
E-105; Men’s HOR;
DA-IICT
Near Indroda Circle
Gandhinagar-382007
Mobile:[protected]
Account Number:[protected]

I received a call from ICICI first saying that i have been sanctioned a sum of 25 Lakhs without the need to produce any document and i can avail them in the next 6 months. Then i had some clarifications where a lady from number[protected] called up and explained me about the laon and the EMI process. When I asked her document that can say that I have been sanctioned fo a loan without document that she claied earlier, started saying that it was just only through word of mouth. Mean while i asked her to give me some co ordinates of ICICI here in Banglore which she refused and explained saying that she will call me when ever i give her a time.Finally I came to know that it was from some call center and not from ICICI. "Beware of behalf of ICICI ". If this type of call goes on then many will be in the trap.

The call seems to be fictious.IF any ICICI official happens to read this you can reach me at [protected].

LETTER TO ALL @ ICICI:

I am completely APALLED at the pathetic customer service by your call centre. I am the CEO of Helios Outsourcing and am fully aware of the service levels that is expected in a call centre of your nature and the service I receive is simply no where in comparison. Your staff are rude, impolite and downright unprofessional. More than banking, they need to be taught basic professional etiquette and politeness.

I called your customer service number at exactly 1908hrs today and after entering my credit card number I was directed to a young man who is a typical example of the poor service your call centre exhibits. He couldn't communicate clearly in English and kept passing rude and offhand remarks that bore no relevance to my issue. After changing my card's address two and a half years ago, I was surprised to find a credit card delivered to my previous address which could have been misused or stolen. All I wanted to know is how and why was the previous address used to which the guy I spoke to was not interested in answering. And to top it off, when I asked him for his name, he transfers me back to the main menu!!! You can imagine my frustration.

I am sure you can easily identify who answered my call by checking your system and you can even listen to the voice recording from your dialer. Please do and please ensure the agent is immediately terminated because if I wasnt in the call centre business, I would have stopped banking with ICICI immediately. Some ACTION PLEASE!

And hey - my turnover with ICICI's credit card is over Rs. 10, 00, 000 in the last few years.