ICICI Bank Complaints & Reviews

A cheque was deposited in ICICI Bank Green Park, New Delhi Branch on 31st October, 2008 on my name. The person who deposited the cheque missed writing account number on the slip used to fill in the details of the cheque and dropped the same into the drop box.

Subsequently, the cheque was put on hold until I called up customer care on 05th November 2008. It was conveyed by customer representative that an application needs to be submitted to any branch of ICICI across India with correct account number. The application was deposited in Tardeo Branch in Mumbai to Officer Rajni along with all the details on 07 November.

While Officer Rajni confirmed that the same will be processed in 2 working days, it was until next 4 days that i realized that the cheque was not processed and still on hold.Subsequently, i visited Tardeo Branch of ICICI bank in Mumbai on 8th November, 11th November and the same was never processed.

It was until 13th November when i logged a complaint against Officer Rajni and Tardeo Branch and visited the branch for the fourth time on 14th November, 2008, the delay on the cheque was followed up and it was told to me by officer that Delhi RPC Head is not processing the cheque and due the compliane logged, now they are following up tightly with Delhi RPC. It was assured that the cheque would be cleared in next two woking days which end on Saturday 15th November and credited to my account but until today 16th November End of the Day, the cheque is not cleared and is still held with the branch.

I feel humiliated since i just have 40 rs in my pocket for my weekend and to reach my office in Mumbai (where i am deputed on a project).

I am Neeraj Beniwal cerdit card no.[protected], In sept’08 month I got my credit card statement and some amount was due. It was a valid statement and I did the payment via a local bank cheque before due date in sept08 thru Citi Bank in favour of my ICICI bank credit card according to the instructions given in the credit card statement. I dropped that cheque in ATM drop box. But due to some reason cheque was cleared &they did not inform me. Next statement, they have charged me late fee. In credit card statement they have mentioned cheque was not cleared due to some problem.
Then I have asked them, if you have not informed me on time, why I should pay late fee charges. After that I got call from ICICI Customer & they have assured me .they will wave off my late fee charges. But when went to Rohini office of ICICI Bank, they have refused me & I told them very clearly, if they will not reimburse these charges. I will not pay my outstanding amount to ICICI & still the charges not withdrawal & again they have charged me late fee for the last month.
When made payment before due date they have to informed, if there is any problem & I have not received my cheque & I don’t the exact reason of that. It is totally harassment by ICICI credit card system. System are not made for users only, banks should also follow & keep informed to their customer, not to wait to put extra charges to users.

I want solution of this otherwise; I will not pay my outstanding amount to ICICI.Now it is upto ICICI how much they want to delay settlement of these extra charges of payment.

Dear Sir,

I have a credit card of ICICI bank for which i have made a payment of Rs. 4850 on 09/06/2008 but by mistake i have mentioned the wrong credit card no, instead of [protected] i have mentioned [protected], the cheque was cleared from my account on 14/06/08 but when i checked with the bank for the same thay denied for the payment since then i have spoke to the people at call center but they are unable to trace the cheque as onece i was also being told that the cheque will be credited in your account in seven days but till date i have no news my last communication at call center was on 15/09/2008 and i was given a service request no. SR79510632 and was given a assurance that someone will revert back to me in 7 days but till date there is no answer from them on the same, by sending you this mail i hope i can get some solution for the same. the details of my card and payment is mentioned hereunder;
A/C Name: Kishore Pohani
Card No. :[protected]
Dispute Amount:4850
Paid thru Cheque No: 000014
Date:09/06/2008
Bank: Kotak Mahindra Bank
Cheque Cleared from My Acc on :14/09/08



Regards,

Kishore Pohani
+91-[protected]

I am a gentleman, I don't have any ICICI credit card and ICICI bank a/c and my phone no:[protected]

I got a phone call from [protected] say, are you wish to take icici credit cards and you can't pay any registration initial amount and interest of credits pay by before 52 days is nill and i accept to get it.then, she want all of my personal details about myself salaried / self employed and place of living and my pan card no and martial status and work place of my company and my land line no.s.

then, two days back I got a phone from [protected] say, regarding the ICICI CREDIT CARDS once again want all of my personal details about myself salaried / self employed and place of living and my pan card and martial status and work place and company and my land line no.s

why icici enquiry my personal details two times over phone and one is from delhi and another from chennai .

even if ICICI CREDIT CARDs can brought customers. it is requiried only my address and phone no regarding to send customer executive to meet me.

why took my personal information over phone ????????

Dear Sir/Ma’am –
Manager Customer Service
ICICI Bank

Subject: Zeroisation of my saving account no:[protected]

I am Mohammed Mustafa Khan, an Ex-employee of ICICI bank and I served ICICI Bank - Phone Banking Group Limited, Hyderabad India from April 07, 2004 to August 05, 2005 bearing EMP no: 118814

ICICI Bank - Phone Banking Group Limited, Hyderabad India
• Initially...

enclosing email sent to ICICI as below:
NO CREDIT CARD STATEMENT HAD EVER BEEN RECEIVED BY THE COMPLAINANT W.R.T THE TRANSACTION AS MENTIONED BELOW:
14th Nov 2008

To,

The Manager
ICICI Bank Ltd.

Sub.: Harassment by your bank regarding Credit Card No. [protected].
Ref 1: Your letter 101108/325923C dtd, 13th Oct 2008(Attached with this mail)
Ref.2: Your letter 101108/336771C dtd. 6th Nov 2008 (Attached with this mail)

Dear Customer Care Executive,

1) I have credit card no.[protected], Expiry Dt.10/2009.
2) In the first week of October, 2008 an ICICI bank personnel reached my residence and wanted to speak to me regarding Credit Card transaction done by me. As I was not at home but at office he spoke to me on my mobile in presence of my wife. I explained to him that there was no such transaction done by me or any member of my family. The personnel from your bank was satisfied with my answer and said he will inform the bank accordingly. I took the matter closed.

3) I went to withdraw cash from ATM around the mid of October and to my surprise I found out that Rs 3550/-has been deducted from my account. On reaching home I received a courier from your bank as Ref 1 as mentioned above. This mentioned a credit card no [protected], which I did not have, mentioned an incorrect (bogus) mobile no. as mine, mentioned incorrect Delhi pincode against my address. The letter mentioned a complaint no. which I had not done, however I assumed that as mentioned in point no. 1 above, the personnel from ICICI had lodged the complaint on my behalf.

4) I went to the Green Park Branch of ICICI to find out what was happening. I was informed that this was deducted on account of my credit card no. [protected] based on some transaction. I was shocked as I had not done any transaction with this card. Also to be noted that the letter (Ref 1) mentioned a different card no. I was advised by bank personnel to talk to a customer care executive.

5) I spoke to customer care executive through phone to ask regarding the same, reiterating that there was some mistake by the bank, and I was informed that the credit card department of ICICI had dispatched a new card for me which had the no. [protected]. I was very surprised as never had any such card reached me. On being asked why new card was sent when I had not asked for the same. there was no satisfactory answer After I explained to him the reality the executive said that if that was the case they are checking the same and by 45 days the issue would be resolved and informed to me and I had nothing to worry.

6) Yesterday I am in receipt of another letter as Ref.2. In this you have mentioned that card on your investigations you have concluded that the transaction has been done on my credit card and that I am surprised to be making the payment of the same.





7) For your kind information I am reiterating once again that never have I ever requested for any new credit card not has any new card been ever sent to me. I am externally perturbed with the information and am surprised how such an esteemed bank like ICICI can make such a mistake.

This is affecting my work in office.

8) Most importantly, I cannot agree to make payment for transaction which has not done by me, you are requested to immediately get the amount of Rs. 3550 credited to my account and to not harass me any more and solve the error at your end.



Thanking you,
Yours faithfully,

(Krishna Chandra Tripathi)

Dear sir,
I just closed a car loan which started in the year 2004.ICICI bank has charged me 800 Rs as penalty for late payment towards monthly instalment.This was a surprise to me as i came to know during the end of tenure.When i checked with both Banks (ICICI and City bank) both claim all is right on their part. I am paying through Citi bank towards monthly instalment.
Citi bank claims the cheque was presented on 17th Jan 2004 and the same was cleared with in 24 hours. ICICI bank claims the cheque were presented on 1st of the month and clearance happend on 17th Jan 2004.Late payment charges amounts to 800 Rs for three months (jan, feb, and Mar 2004).

I need your intervention in this matter, pl help.

Dear Sir / Madam,

I am expecting one courier from ICICI Bank.When the courier boy had came to my house i was not there and he had left one missed you slip in which there is no address of Express IT office and he had manually mentioned one landline no. which i am trying from last 8 days but no one is picking the phone.I am not able to contact any one to know the status of my courier.Can you please suggest what should i do for the same.

Details of the courier : AWB : [protected]
Slip No. 241127

Sumit Kumar Agarwal
+91 [protected]

Hi,
I had a ICICI bank credit card with one add on card (on my mother’s name) since 2005.
I never used the add on card in life & remember destroying it.

Today I am surprise to see a fraud transaction from this add on card. This online transaction took place for Indian Railways Catering on 11/11/2008 15:11 46.

IRCTC transaction No. is 75176378317005991991289

Please advise me, what I should do?

Manish Gupta ([protected])

Dear sir,
I had purchased a flat from a lady, the said flat is situated in a new consructed building, the builder has not yet transfered the flat to the lady as they are asking more transfer fee as compared to previous charge.
I had applied with ICICI Bank for housing loan of Rs. 14, 00, 000/- in the year February 2007. which was sancationed to Rs. 14, 42, 000/-, the said loan was disbursed in March 2007 in 3 part, 1)Rs. 42000/- to ICICI Lombard Gen. Ins, 2) Rs. 7, 00, 000/- to GIC Finance Ltd and 3) Rs. 7, 00, 000/- to Mrs. Shobha Pasupuletti. the 3rd cheque of Rs. 7lakhs is not yet been issued to me and is still lying at the lower parel branch of ICICI Bank.
since the seller as not yet got the flat transfered, Builder has not issued the NOC. From past 19months i have been paying the my EMI's of above flat as per loan of Rs. 14, 42, 000/-.
For past 2months i have been requesting the bank to look in to the matter and adjust my interest part of loan as per the encashed amount of Rs. 742000/-, and I had committed as soon as i receive the required documents from the seller i would submit it to the bank.
But the bank officials are not ready to accept my views, and are misguiding me.

Several times over the last several months, I am receiving the ICICI Credit card bill, anytime after the due date. For example, I received the bill today(12/11/08) by courier, whereas the due date is the 5th of November 2008. However, the envelope shows a priority stamp dated 24th of October 2008. Due to this late payment charges become payable. Second example for which we did pay the late payment of Rs.400+Service tax of Rs.49.44+Interest charges of Rs.32.22+Service tax of Rs.4.00 thereon. I suspect that this cannot be an odd case of a genuine error, but there seems to be a deliberate attempt to see that the customer gets the bill beyond the due date so that you can make money by doing nothing. This is a highly unacceptable situation which you should correct by crediting my account of all the money's thus unfairly collected. If this is not done immediately I will be constrained to lodge a formal complaint at teh consumer court. Incidentally I have been trying to contact your callcentre number, but to no avail.

I have been writing to ICICI Bank-Customer Care several times and also personally visited the Koramangala Branch several times. I personally met Nisha Thomas and others in the branch who are 'so called' customer care people. I also wrote to Sumit Saurabh who i think is regional manager for Bangalore, but no one seems to be botherd. ICICI bank claims to be highly customer friendly in the media with television & big newspaper adds. Is there some one responsible enough at least to revert to the customers ??

Loan Reference: LPVPI [protected]

I have taken above mentioned personal Loan from ICICI Bank which i want to foreclose. During meeting with ICICI Vapi branch, i was told to produce 3 mths bank statement from where the cheques were getting cleared. My objection is Why customer will submit its bank statement to ICICI for confirmation of cheque clearance. Our bank statement also consist lot of other transaction which we do not want to disclose to ICICI Bank. Moreover money from our account is getting credit in ICICI Bank account which must be confirmed BY ICICI Bank only. Just because ICICI do not want to put effort to confirm from own system, customers are being harassed by asking such statements. Even after paying substantial amount Rs.7712=00 as a Pre-closure charges I don’t want to spend further for getting bank statement from my bank.

Foreclosure charges charged by ICICI Bank is around 5.6% which is also very high. Still poor customer have to pay becuase we need to clear our account.

Kindly help in above.

WIth Thanks
Mayur Shah
+91 [protected]

Dear Sir / Madam,

Due to unavoidable circumstance I was not payed my minimum due to ICICI credit card (which i was piad correctly for 1 year). With out any notification to me ICICI has blocked my saving bank account (salary cheque), as I have 7 months kid and I am the only earner in my family, i was suffered a lot.

But with great pain i agreed to pay the settlement amont in one time. I paid the same on 17th Oct 2008 and got the settlement letter from ICICI credit cards that my credit card account has settled and closed. but surprisingly i got again credit card statement on 2nd Nov 2008 stating that I have to pay Rs.10, 000 which is balance in my account.

I called several times and sent n number of mails. but there is not even a single resposnce mail for action taken.

The reward points on my icici credit card has been transfered to imint without my consent and secondly i, ve not recieved my imint card.Now i want to redeem the reward points.please do the needful at the earliest

Sub: Harassment & Fraud by ICICI BANK credit card division


Dear Sir,

I was holding ICICI Bank Credit card no.[protected] which was having a

limit of Rs.25000/- since from year 2006 I have stopped using this card and was paying my

minimum amount due every month my total actual purchase was done worth Rs.14000/- and

the payment I have made by chq & cash is already double what I have actually used when I

calculated the payment made to ICICI BANK, I stopped paying then the collection agency

started following up with me MR.ZAKIR KHAN mob no.[protected] he was constantly in

touch with me and asked me to pay Rs.9000/- for final settlement also asked me to pay the

same into 3 EMI of Rs.3000/- each for convenience. Therefore I paid as details mentioned below:

Receipt no. 5623407 dtd: 5th June 08 Amount Rs.3000/- cash
Receipt no. 5886946 dtd: 3rd July 08 Amount Rs.3000/- cash
Receipt no.6426854 dtd: 4th Sept 08 Amount Rs.3000/- cash

As I have paid the amount I was awaiting for settlement letter I have all conversation calls

recorded in my cell, then in the month of October 08 some other agency approached me

for the payment an executive from agency was very rude on call as she was using abusive

language when I asked her to speak to MR.ZAKIR KHAN. Then collection agency started

sending the person at my place again &

again and starting harassing my family members giving mental torcher to my parents using bad & abusive language at my residence with my family members due to which my mother blood pressure has gone down twice and taken for emergency treatment.

Yesterday 6th Nov 08 again I received a call from MR.ZAKIR KHAN from ICICI bank

no.[protected] giving reason that he was in Chennai for some conference so he didn’t

respond back to me and again asked me to pay the final amount of Rs.3720/- cash at any

ICICI Branch as the bank & agency was harassing me & my family like something so to get

rid off with this kind of pain I paid Rs.3720/- cash at ICICI bank Sakinaka branch and went

to ICICI office at J.B nagar road for collecting settlement letter but surprisingly there no one

knows any ZAKIR KHAN and when I called him on mob no.[protected] he is not

responding my call so I filled up a customer request form to meet someone from credit card



division and I met MR. JAUKAR at 3pm after meeting him I was so much disappointed when

he told me that I need to pay more Rs.39000/- for settlement, when I asked MR.JAUKAR

that I haven’t used the card since year 2006 he bluntly told me that weather you use it or not

ICICI Bank will keep charging you the interest for an number of years.

Now I am very frustrated, harassed & mentally torched by ICICI Bank that with a credit limit of Rs.25000/- and after paying double what are my actual usage still this bank is demanding more Rs.39000/-.

My humble request to you sir please look into the matter and help me as
ICICI Bank is harassing me & my family members continuously.

Please find attached copies of cash receipt paid & copy of customer request form


Thanking you


Yours Sincerely,



{Rizwan Shaikh}

I DEPOSITED RS.50, 000 AS FIXED DEPOSIT VIDE CHEQUENO.NO. 150741 DT.01.12.2006.OF CENTRAL BANK OF INDIA, FANCY BAZAR
BRANCH, GUWAHATI, ASSAM.THE CHEQUE WAS CR.TO ICICI BANK
LTD, GUWAHATI, BHANGAGARH BRANCH.
NOT RECEIVED ANY DOCUMENT OF FIXED DEPOSIT.ALTHOUGH MY ADDRESS WAS VERIFIED OVER PHONE FROM YOUR KOLKATA HEAD OFFICE. AFTER REPEATED QRY.I RECEIVED ONE FD.NO.[protected]. WHICH WAS AUTO RENEWED ON 27.12.2007.UPTO 20.01.09.
(1) HOW WITHOUT MY CONSENT IT WAS AUTO RENEWED?
(2)WHEN I WAS ENQUIRING OF MY MATURITY VALUE THEN WHY" AUTO RENEWAL" FACT WAS NOT DISCLOSED TO ME ?
(3) WHAT SHALL I DO TO GET MY FIXED DEPOSIT AMT.?
(4) WHETHER THIS FD NO.IS CORRECT OR FALSE ?
CONFIRM THROUGH EMAIL IMMEDIATELY.
SUBODH KUMAR BHATTACHARJEE,
PINK HOUSE, FIRST FLOOR, 1/C, REHABARI, NEAR UCO BANK,
A.K.AZAD ROAD, P.O.GIWAHATI-8, ASSAM, PIN-781008.

Dear Sir.

I have open a saving bank accout in your bank. May account No[protected] and credit card No [protected]. Suddenly I have cheeck credit balance through ATM Card No [protected] that debited Rs 505.65 from my account against your bank code head 52557859 DP on 05 Nov 2008. Please reconcile at the earliest for debited on what account.

It is also intimated that I have been open demat account since 2006 but not used due lack on knowledge. Therefore my account is deactive. Please also requested you to active my demat service and issue fresh password as soon as possible.

My third problem facing that my address is change. Presently my new address is " HQ SOUTH WESTERN COMMAND (AVN) BRANCH, PIN-908546, c/o 56 APO".

I had applied for transmission of shares from my father's demat account with ICICI bank to my demat account about a month back. Still this has not happened! Now their stupid faceless call centre executives state that they have not received any papers or application from my end as per their records! I do have an acknowlegdement given by the branch where I submitted the documents. Whom should I take up the matter now? The bank official claims to have done everything possible from his end!

Deposited Rs. 64000 in ATM through 7 packets. Normally it reflects in 2 working days. This time it has not reflected. I depositted on 4th Nov. Today is 7th nov.

Contacted ICICI customer care. The executive lodged a complaint and gave me the service request no.

I am waiting.

I will update the progress.