ICICI Bank Complaints & Reviews

Dear Sir/Madam,

Ref:D1/478202/3/NHMUM[protected]

With reference to abovementioned subject, this is to inform you that I had taken housing loan from ICICI HOME FINANCE. Accordingly in the month end of August 2008 bank authority disbursed the total loan cheque.

At the time of loan approval procedure neither bank authority explained me nor intimated in loan approval letter about payment of pre emi. At the time of loan approval bank authority collected three blank cheques from me. When I asked the reason for Blank chques bank authority replied me that it is for stop gap arrengment till ECS operates. But on 23.10.08 received letter which says that amount of Rs. 14933/- is outstanding as pre emi which is outstanding on 30.09.2008.

Now here I surprised when I received abovesaid letter and bank authority deposited cheque, for to collect outstanding pre emi i.e. Rs.14933/-. Bank authority deposited above said blank cheque without my knowledge and the same cheque is bounced due to insufficient funds reason. Here bank authority intimated as per above said letter i.e. i have to pay cheque return charges Rs.200/- and late payment charges @2% p.m.

Here i request to authority please take necessary action for the same.

Regards
ANAND BAGWE

the bank belives in punishing loyalty.

I have a home loan with ICICI bank. the rate of interest they r charging from me is higher compared to what they r offering to their new customers, by about 2 %.

on mailing the compalint the bank calls, yet they r not booking any complaints.

they are saying they are within RBI guidelines. is it so? they says the rate of interest is due to hike in PLR. what i have to say here is that the PLR is goverened by banks only. how govt will help here protecting customers.

Date:-24/10/08
To
ICICI Bank Customer Service
ICICI Bank Limited
ICICI Bank Phone Banking Centre
P.O. Box No. 20
Hyderabad 500034
India


Subject: Regarding HDFC Bank Cheque No.102200.


R/sir

I beg to say that I am customer of your Bank. My account No.[protected]. I drop
a HDFC Bank (Address-DLF Phase-I, Shopping Complex, Gurgaon, H.R.) Cheque No. 102200,
who amount is Rs.7977/- in your drop box Raheja Square, IMT Manesar, Gurgaon (Haryana) on
date 30/08/08.I want above cheque return at my address Gajendra Kumar, Ahuja Builders, Eros
Corporate Park, Block-K, Sec-2, Near Raheja Square, IMT Manesar, Gurgaon (H.R.). This
request given yours branch ICICI Bank Ltd, Reheja Square, Sec-2, IMT Manesar, Gurgaon
(H.R.) on dated 26/09/08 and sent same request by E-mail yours Nodal Officer on dated 03/10/08 & 13/10/08 .But above cheque not meet to me and not short-out my problem on till date.

I visit your Branch three or more times but my problem not short-out. So I request you
that to solve my problem as soon as possible.




Thanks & Regards


Gajendra Kumar
A/c No.[protected]
Mo.No.[protected]

C.C.:- To, Nodal Officer, ICICI Bank Ltd., Banddra Kurla Complex, Mumbai 400051

C.C.:-To, Consumer Forum

I have opened RD A/C#[protected] in ICICI Bank Ltd., Gandhidham on 17-Sep-2007 for 1 year but today it's in overdue status and I am not getting my money back. I have been visiting Gandhidham branch since last more then 1 month but It has still not resolved my problem. Also when I talked with local branch manager today, he did not respond appropreately and he was ready to loose a customer like me. Their service is very poor and Gandhidham branch people commitment is very poor. For the value of Rs.2500 RD, I have to wait too long for the closure. Please help to close this issue. By mistake I have deposited one installment of Rs.2500 extra so now total deposit is Rs.32500 instead of Rs.30000 so because of this mismatch they are not closing RD a/c and I am suffering so much right now. I have done many complains on ICIC Customer Care but there is no result till date. Your my only hope now. Please help.

This is in ref. to my Home Loan application processed in your branch– Kaushambhi Ghaziabad branch, through Mr. Sanjay Aggarwal ([protected]).

Pls be informed that I have submitted my docs 22nd of august, 08 & I was committed that if all the documents of mine would be ok & Bank will consider my request as a genuine case then I shall be updated with in 7 working days & yes I received an acknowledgement SMS from your bank that you are considering the application & it has gone for further processing.

But when no update came from your side even after 2 weeks then I called up Mr. Sanjay & he start committed me that I shall come to know in one more week, but no update after further after one more week.

I called up Mr. Sanjay so many time to know at least my application status, but he never responded my calls, in between. After this entire incident I thought that perhaps Bank has rejected my application. Till the time it was OK for me, But Suddenly Sanjay Called up me after few days & again all verification get started & I also got an msg with an “ref no. 60378824”, when I crossed check, Bank had sanctioned a mount of 10 Lacs for me, under the above ref no. Even Mr. Sanjay was committing me that now every thing is in order & I shall have a confirmation letter from bank in next 3-4 days, After all this I finalized a property with a guaranteed deposition of INR 50000/-, Bank also visited that property, now I was told that only I 2-3 working days I will have a letter from Bank, but nothing is done from your side & its been more than 2 months now & now no one responding my calls, Mr. Sanjay Aggarwal is not ready to pick my calls, this condition is so problematic for me, now I am about to loss my INR 50000 that I have given to property owner.

During this more than 2 months I have gone through a great mental torture, because of the way your employee behaved & wastage of my more than two months, Beside that my hard earned money that has been given to Property owner. Here the Bank responsibility was to update me at least if your bank was not able to finalized loan amount which was sanction for me & this all was needed a long back, so that I may have gone through some alternative way.

Now ICICI bank will be liable for all time wastage, money loss, mental torture & so many things which are not explainable here.

The way ICICI dealt my case, shows how unprofessional is ICICI employees are & this all situation is pushing me to take YOU (ICICI BANK) to the CONSUMER COURT……………………

Vivek Kumar Dhaka
Noida
[protected]

Sir I m credit card holder o[censored]r ICICI Bank with N: [protected]. Im regular user of this card & very prompt in payments. kindly refer to my last complaint, U have reversed late payment fee of Rs 400/- + tax total Rs 449.44/- for delay payment of Rs100/- just because o[censored]r admn fault, as I have received the statement after due date of payment. That Rs100/- is also paid already. Today I received a statement in which late payment fee +tax =Rs 449.44/ reversed is shown. but again late payment fee +tax+ser tax=Rs461.64/- is shown. what it is & why?. Ur all dues are paid. even then what is the previous balance of Rs561.42/- Its all just a torture& harrassement to me.Kindly intervene in the matter & reverse all the due amt Rs573.62/- shown in Oct 18.2008 statement. Its my kind request & please tell me whether I should continue to be a credit card holder o[censored]r ICICI bank or to discontinue? It is a big question before me. U can verify my promptness in payment. Kindly do the needful &wave off all dues.

I'm a credit card holder of ICICI bank. My card no. is 5176 xxxx xxxx xxxx. An unauthorized Transactions was done dated 29/04/2008 on my card account.

The details are:
Merchant Name - TATA SKY LTD.
Transaction Date - 29/04/2008
Transaction Amount - 1500.00
Service Request (SR) No. - SR64994608.

I was informed by customer Care unit that my complaint will be resolved within 60 days. I continuously contacted with customer care unit by phone and e-mail. Again they told me that complaint will be resolved within 90 days. My complaint is under processing. It is going more than 5 months and my complaints has not been resolved yet. In between these days also false deposit was happend. I deposit 2 months as asked to pay the minimum amount. The day one when I complained, I told to resolve my issue and settle my account.

My card has been blocked in the month of May 2008. Neither I'm getting card facility nor the complaint has been resolved. Interest is increasing day by day. The amount became too much which I'm unable to pay at a time at present.
When I contacted by phone or email, everytime I'm told that my complaint is under processing and issue will resolved soon.

Please suggest how this will be resolved. Whether what I have to go for further processes.


Regards,
Abhay

i hold a credit card of ICICI bank which i got against the Fixed Deposit with ICICI Bank, i have cleared all outstanding dues and now i want to withdraw the amount of Fixed Deposit but i am unable to do so because it is showing a lien on my credit card i had requested twice and its been more than 15 days but still the lien is not removed from my credit card and hence i am not able to withdraw the amount from my fixed deposit account

FD Account Number :[protected].
I had taken an FD with ICICI bank for Rs 3 Lakhs on 04 Aug 2007.The same is due for maturity on 10 Jan 2010. The above FD was taken by me through net banking request and as such no FD receipt was issued.
On 15 Oct 08, i made an on line request for premature closure of the FD vide reference number SR8280007.
To this i got an SMS saying that nothing can be done on my request since the FD...

Dear Sir/Mam

I have not been intimated about the Rs.10000 quarterly average balance maintenance and the amount has been duducted from my account.
When I tried to complain about it to the ICICI bank customer care, I was not given the concrete answer from the customer service associate named 'Pareesh'. Moreover, the call was disconnected suddenly, giving me a huge embarrassment that I am the customer of ICICI Bank. I did not receive any mail regarding the increase in the quarterly average balance. Earlier also, the money has been fraudulently taken out of my account and when i asked the Manager ICICI Bank to look into the matter, I got the lackadaisical attitude from him. There are 2 issues pending and that is why i have stopped depositing the money in my ICICI's account.
One customer will not affectit inded but one dissatisfied customer surely will.
Looking forward to hearing from you.

Thank you

Dear Concerned,

I was working with ICICI Bank ( on the role of I-Process).i resigned from the job in October 2007.I have applied for my PF and i got my PF form duly signed and stamped from the I-process office in Delhi .I have fwd the PF form to the Regional PF office Khandelwali West in Mumbai on 24th june 2008.Till date i have not received my funds .I have tried to check the status on the PF web site but they require the Establishment code which according to the stamp on my form is 47808, but the it is not accepted..Kindly assist .
My emp. code is C03874 and my PF # is mh/47808/3779

Regards

This is Shubham Ghosh from Mumbai. Yesterday while going back home, I went to an ICICI ATM to withdraw money. I was surprised to see the bank has cut Rs. 910 as QAB charges. Why suddenly this has happened I have no clue. How the bank could charge such an amount with prior information? How can they take away someone else's hard-earned money? I will take steps if the bank does not explain the basis of such action.

Below is the email contents of me as well as that of the bank

Branch Id : 6319 Account Id :[protected]
Reminder -II

I have not heared from u regarding the below mentioned e-mail sent to you two days back, Please apprise me of the satisfactory solution or I shall be bound to take the matter forward to consumer court and RBI

Dear Sir

Please let me know whether the amount debited to my account without my consent is reversable or not. As I have not been consulted for the below mentioned terms and I have never agreed for the revised terms

Please revert the charges at the earliest or I will have no alternate to avail other services for the same

regards
Subodh



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

We understand your concern.

The amount of Rs.843.00 debited from your savings account on October 20, 2008 towards non-maintenance of Quarterly Average Balance(QAB) for the period July 01, 2008 to September 30, 2008.

QAB to be maintained in your savings account in Rs.10, 000.

Non-maintenance of quarterly average balance charges:

* Flat charges of Rs.750 are levied on your account.
* For every new cheque book, Rs.5 a leaf will be charged.
* First three cash transactions (withdrawals or deposits) at the branch in a quarter will be free and thereafter Rs.60 for every transaction will be charged.
* First five ATM cash (withdrawals or deposits) transactions in a quarter will be free and Rs.50 for every transaction will be charged thereafter.

Service Tax of 12.36% on the mentioned charges is also applicable.

The QAB is calculated as follows:

Sum of the end of the day balances on each day of the quarter divided by the number of days in that quarter.

Alternatively, the credit balance should be Rs.10, 000.00 on each day in the quarter in your account.
You may obtain the complete service charges list applicable for a general savings account by following the mentioned steps:

1. Visit our website www.icicibank.com
2. Select 'Service charges and fees'
3. Select 'Regular savings accounts'

We request you to click on the below link to know the service charges

http://www.icicibank.com/pfsuser/webnews/rates&fees.htm

On account of revision of Quarterly Average Balance (QAB) requirement from Rs. 5, 000 to Rs. 10, 000/-, letters will be sent to customers informing them to maintain the revised QAB wef 1st July 2008.

Letters will be sent along with the Quarterly statements for Jan-Mar 08.

As our customer, you have access to the latest range of products and services from ICICI Bank and we intend improving our offerings continually to make your banking experience simpler, safer and smarter. In line with our increased commitments, we are revising the minimum Quarterly Average Balance (QAB) that you need to maintain in your savings account with us from Rs. 5, 000/- to Rs. 10, 000/-

Special ICICI Bank Savings Account Privileges:

Vast network of conveniently located Branches and ATMs
Extended banking hours 8 a.m. to 8 p.m
Anywhere Banking
24x7 Electronic Banking on internet, mobile and Call Centre
You will now be able to avail services from our more than 4000 ATMs and 1400 branches with extended banking hours. You can also avail of cutting edge services like iMobile, Utility Bill Pay and [protected]@Home to give you the added advantage when you bank with ICICI Bank.

Please coordinate with the branch for further assistance.

We regret the inconvenience caused to you.


Looking forward to your co-operation.

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,

Mohsid Khan.
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.

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

-----Original Message-----
Subject: RE: Bank Statement

Dear Sir

Have you taken any consent from the account holder for that as per my knowledge the average quarterly balance was 5000/- (five thousand) while opening the account and I have never consented for the same (10, 000)

Regarding the below mentioned terms of cash and ATM transactions, Is there any notification from the RBI or this is exclusively from ICICI bank. For all the details at least you should have informed your account holders and taken prior consent for the same.

Are all the instructions from RBI then Its OK and please let me know the notification number issued from RBI or ICICI.

As per RBI norms you cannot debit a single penny to any account without the consent of the account holder.

In case you dont provide me any satisfactory details I shall be forced to take this case to consumer courts and I shall be happy to close my long customer reltions with ICICI.

Looking forward for your kind co-operation in crediting the balance debited to my account unlawfully.


regards
Subdoh


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

Kindly note that all the general savings account holders are required to maintain Average Quarterly Balance of Rs.10000 with effect from July 01, 2008. Hence. Average Quarterly Balance requirement for July 2008 - September 2008 will be Rs.10, 000, failing which customers will be charged in the month of October 2008 with non-maintenance charges.

Your account status is that of a general savings bank account for which the quarterly average balance to be maintained is Rs.10, 000.

In case of non-maintenance of quarterly average balance, flat charges of Rs.750 are levied on your account. In addition these transaction charges are also applicable :

* For every new cheque book, Rs.5 a leaf will be charged.

* First three cash transactions (withdrawals or deposits) at the branch in a quarter will be free and thereafter Rs.60 for every transaction will be charged.

* First six ATM cash (withdrawals or deposits) transactions in a quarter will be free and Rs.50 for every transaction will be charged thereafter.

The service Tax of 12.36% is also applicable on the charges. Further, the charges levied towards non-maintenance of quarterly average balance cannot be reversed.

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,

K Hima Bindu
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.

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

----Original Message-----


Branch Id : 6319 Account Id :[protected]
Dear Sir

My account is debited for Rs. 843 on Dated. 20.10.2008, I dont understand why... moreover the average balance and the funds were sufficient too. You can check for the average balance with my account. Please revert the charges at the earliest.

regards
Subodh

Dear Sir,
Please go through the trailing mails.Please start reading from the bottom.This is the communication between me and the Bank.You will get a clear idea of the case when you read it completely.
I never expected such an experience from ICICI bank.The bank have crossed all the limits of decency.The collection department never try to communicate with me to solve the matter instead they put a lean to my saving account and on 15th October 2008 the bank debited Rs.44841.00 from my account against the false statement issued by it.I made this point to notice to the bank as I wrote in the trailing mails.This I earned and saved for future requirements for my family.What could have you done if it have happened with you?Is what the bank doing is right?Debiting the money and diverting it from the account directly that too without notice.More than this the bank is asking to pay for what I have never ever been used.I am not recieved the money to my account what your Credit Card department is claiming me to pay.
Do the bank have right to behave like this with the account holders?This is pure injustice and disgusting too.
Shame on ICICI which is pretending as building trust for the customers.
This is shameful job ICICI have done with me.
I want justice.I want my money back.
I am ready to pay the charges which I have utilized but how come you ask me to pay what I have never got from you?
If you wish to communicate you can call me on +[protected].
This case must be resolved.
Regards,
Sachin Katakdhond.
[protected].
[protected]@godrej.com

----- Original Message -----
From: Sachin
To: ICICI Bank Customer Care
Sent: Friday, October 17, 2008 3:10 PM
Subject: Re: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@godrej.com


Dear Mr.Chander,
What the hell is this?
See the attached ATM statement drawn today.It shows Rs. 44841.17 debited through my account.Just for this you have communicated me?This money is mine I will get it back.Now I can't wait more.If you do not return the money back to me I am going to sue the Bank.This is our last communication.Thousands of people are suffering due to ICICI banks foolish work.All such people and other customer will come together.
Just see what happens in the coming 15 days.
experience the MNS(Maharashtra Navnirmaan Sena) punch.This will become a public issue against ICICI, and the bank have to pay for this.Every news paper will carry the headline "ICICI BANK : The official Robber".Every news channel will have news bulletin against ICICI Bank.Currently Global Recession is going on.At such time you will get a great hit by the public.This will result in tremendous loss to ICICI.
You have made a great mistake my dear!!!
----- Original Message -----
From: ICICI Bank Customer Care
To: Sachin
Sent: Thursday, October 16, 2008 8:24 PM
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@godrej.com


Dear Mr. Katakdhond,

According to our telephonic conversation we request to you co-ordinate with the collection manager to settle you credit card account.


Sincerely,

Chander Daryani
Customer Service Executive
ICICI Bank Limited

*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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank


-----Original Message-----
From: Sachin ([protected]@godrej.com)
Date: Thursday, October 16, 2008 10:16 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: RE: Product: Credit Card / Old Customer / [protected]@godrej.com

Dear Mr.Chander,
Thanks for the cooperation.
Is the collection department is aware of the false statement the Bank have issued and demanding the money which I never ever used and the penalties and dues against the unused amount?If not please clarify them with the account statement[protected] and compare it with the credit cards statement.
Kindly ask them to resolve the matter urgently.I am incurring losses due to this and I hope the bank will compensate for this.
Thanks,
Regards,
Sachin Katakdhond.
+[protected].
[protected]@godrej.com

----- Original Message -----
From: ICICI Bank Customer Care
To: Sachin
Sent: Wednesday, October 15, 2008 9:24 PM
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@godrej.com


Dear Mr. Katakdhond,

According to our telephonic conversation dated October 15, 2008 we have forward the request to our
collection department and you will receive a call with 2 working days.

Sincerely,

Chander Daryani
Customer Service Executive
ICICI Bank Limited

*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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank



-----Original Message-----
From: Sachin ([protected]@godrej.com)
Date: Wednesday, October 15, 2008 01:15 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: RE: Product: Credit Card / Old Customer / [protected]@godrej.com

Thanks Mr Chander.
Please make it fast.All my transactions are freezed due to this.Who is going to take the responsibility for the loss I am suffering because of this.I can't bare more than this.The Bank have to bare the losses I incurred.Now whatever I have suffered is more than enough.I want the result in a day time.Such kind of matter will not take more than 2days.5days are already passed.This is beyond my bearing capacity.I want am immediate action.I kept waiting just because of your words otherwise I have all the options open to execute what I stated in my first mail.
Just go through the attachment.You will find the controversy in what the Bank is assuring to the customers and what is actually happening.
Please send this mail to Mr.V.Vaidyanathan, Executive Director, ICICI Bank Ltd. so that he also come to know what is going on.He is trying to build and maintain the trust of the customers on the other hand the Bank is loosing trust by the virtue of such things which they made with me.
Please do it fast and don't take it lightly.This is a matter of serious concern.

Regards,
Sachin Katakdhond,
+[protected].
[protected]@godrej.com
ICICI A/C no.[protected].

----- Original Message -----
From: ICICI Bank Customer Care
To: Sachin
Sent: Tuesday, October 14, 2008 9:06 PM
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@godrej.com


Dear Mr. Katakdhond,

According to our telephonic conversation dated October 14, 2008, we have forwarded the request to the department concerned and will keep you update about the status in 3 working days.


Sincerely,

Chander Daryani
Customer Service Executive
ICICI Bank Limited

*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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank



-----Original Message-----
From: Sachin ([protected]@godrej.com)
Date: Tuesday, October 14, 2008 07:29 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: RE: Product: Credit Card / Old Customer / [protected]@godrej.com

Dear Mr.Chander,
Kindly update me about the status of my account[protected] since 4days have been passed away.
If the a/c is not frred please follow-up for the needful.
Regards,
Sachin Katakdhond.
+[protected]
----- Original Message -----
From: Sachin
To: ICICI Bank Customer Care
Sent: Monday, October 13, 2008 4:04 PM
Subject: Re: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@godrej.com


Dear Chander,
How long will it take to make free my money in the account?
Sachin Katakdhond
----- Original Message -----
From: ICICI Bank Customer Care
To: Sachin
Sent: Saturday, October 11, 2008 7:56 PM
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@godrej.com


Dear Mr. Katakdhond,

According to our telephonic conversation dated October 11, 2008, we have forwarded the request to the department concerned and will keep you update about the status once we get the reply.

Sincerely,

Chander Daryani
Customer Service Executive
ICICI Bank Limited

*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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank


-----Original Message-----
From: Sachin ([protected]@godrej.com)
Date: Saturday, October 11, 2008 07:19 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: RE: Product: Credit Card / Old Customer / [protected]@godrej.com

Dear Mr.Chander,
Thanks for the cooperation.
Regards,
Sachin.
+[protected]
----- Original Message -----
From: ICICI Bank Customer Care
To: Sachin
Sent: Saturday, October 11, 2008 6:11 PM
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@godrej.com


Dear Mr. Katakdhond,

According to our telephonic conversation dated October 11, 2008, we have forwarded the request to the department concerned and will keep you update about the status once we get the reply.

Sincerely,

Chander Daryani
Customer Service Executive
ICICI Bank Limited

*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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank





-----Original Message-----
From: Sachin ([protected]@godrej.com)
Date: Saturday, October 11, 2008 11:15 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: RE: Product: Credit Card / Old Customer / [protected]@godrej.com

Dear Mr.Chander,
Thanks for the quick action.
I hope and looking forward for your kind cooperation.
Please pursue the matter and close the issue at the earliest as I told before I have to carry out transactions based on my account balance.For this I need the balance tobe free.I already have issued cheques against the balance amount, some ECS has tobe cleared.The parties have deposited the cheques in the bank.If the cheques are bounced this will affect my creditability and I cannot explain the parties for the bounce.Please dont let it happen.
This is a salary account and my complaint to my company management may lead to termination of all kind of financial tie up between Godrej & Boyce Mnfg.Co.Ltd and ICICI Bank.
Please dont give me a chance to blame again ICICI.
Hope you will do the needful at the earliest.
Thanks,
Sachin Katakdhond.
+[protected].

----- Original Message -----
From: ICICI Bank Customer Care
To: Sachin
Sent: Friday, October 10, 2008 9:36 PM
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@godrej.com


Dear Mr. Katakdhond,

We have forwarded the request to the department concerned and will keep you update about the status
once we get the reply.

Sincerely,

Chander Daryani
Customer Service Executive
ICICI Bank Limited

*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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank

-----Original Message-----
From: Sachin ([protected]@godrej.com)
Date: Friday, October 10, 2008 02:40 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: RE: Product: Credit Card / Old Customer / [protected]@godrej.com

Dear Mr.Chander,
Thanks for the reply.
Please follow for immediate release of my saving account no.[protected] as I have to withdraw money for urgent household and medical purpose as my child is needing medical support.Its urgent.
looking forward for your kind cooperation.
Regards,
Sachin Katakdhond,
+[protected].
----- Original Message -----
From: ICICI Bank Customer Care
To: [protected]@godrej.com
Sent: Friday, October 10, 2008 1:31 PM
Subject: RE:'ICICICARE=[protected]' Product: Credit Card / Old Customer / [protected]@godrej.com





-----Original Message-----
From: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Date: Wednesday, October 08, 2008 09:21 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: Product: Credit Card / Old Customer / [protected]@godrej.com


Dear Mr. Katakdhond.

According to our telephonic conversation dated October 08, 2008, we will keep you update about the
status in 7 days.

At ICICI Bank, we believe in providing the best of services to our customers. Our services model helps us resolve your concerns to your satisfaction.

Help us serve you better by using preferred channels: 24-hour Customer Care OR ‘E-mail Us’ option at our website, www.icicibank.com."


Sincerely,

Chander Daryani
Customer Service Executive
ICICI Bank Limited

*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 emails is not intended to prejudice the interest of the customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank



-----Original Message-----
From: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Date: Tuesday, October 07, 2008 11:30 AM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Product: Credit Card / Old Customer / [protected]@godrej.com


Title: Mr.
First Name: Sachin
Last Name: Katakdhond
An ICICI Bank Customer: Yes
Product: Credit Card
Account No: [protected]
What would you like to say: Dear Sir/Madam,
(Please forward this mail to the Top Official of your Bank)
I was a regular user for you credit card.I also paid to ICICI as per the statement provided by you.In the mean time in between Nov-Dec07 I borrowed Rs 5000 through the Card and withdrawn the money at the ATM using my Debit Card.In the next month I recieved a statement showing I have borrowed the money like Rs.5000.00 and Rs.14000.00.The fact is that only Rs.5000.00 are deposited in my account and Rs.14000.00 never ever been deposited in my Bank Account numbering[protected].I escalated the matter 10 times to your Bank Officials through your Customer Care Srvice but they just ignored it saying you pay neglecting that Rs.14000.00 towards your Credit Card payments.Inspite of my repeated calls and notice the next statements carried the ammount Rs.14000.00 and the penalty charges including the same ammount.Afterwards I stopped using the card.Now your Bank Officials leaned my Bank Account against the said dues and penalties which I have never supposed to pay.I cannot access the account, cannot withdraw money.An ammount of 31400.00 is leaned by you and showing a negative balance of 13426.00.This is not less than a robbery.I can sew the bank for this.I can ask for the compensation for the sufferings the Bank made for me.I hereby request you to free my account.Let the leaned ammount be in my account so that I can withdraw my money.I will wait for 2 days only from now.Otherwise I am going to charge against you In RBI, I have a strong background.I can reach upto there.Furthermore I will sew the Bank for the way it is treating the customers and robbing the money from customers account.Furthermore all the foolish transctions you show in the Credit Cards Statement will be made available to all new channels for Global Disply.I will do it.Please be prepaired to face the consequences.
If you want to talk to me about this you can call me on [protected].Unlike you Iam available 24X7 and I hope you will do the needful.
Regards,
Sachin Katakdhond.
+[protected].
E-mail address: [protected]@godrej.com
Telephoneno:+[protected]
Correspondence address: Sachin Katakdhond,
Godrej and Boyce Mnfg.Ltd.,
Prima Division.,
Plant 14P.
Vikhroli(E),
Mumbai - 400079
City: Mumbai
Country: India
Pin Code: 400079








<<Message from Mr. V.txt>>

This is regarding my Creditcard payment which i made it trough a Execuitive name Naresh([protected]), He collected on 7th Oct a post-dated[protected] Chq no 249085 for rs 10, 000/-, as it been a holiday on the day he came and collected the amount and told is out of recipt book will get it by end of the day. I checked my account i found Chq been deposited, when enquired with CustomerCare the exectuive never paid the Cash amount, on 16th his manager Mr.Srinivas ([protected]) called for the payment, explained him breifly, Myself, executive and Manager 3 were in conf, Executive now says never collected any cash. Now the manager too is not picking up the call.

I am Sandeep Gautam. I had ICICI saving account from past four years and had ICICI credit card from past July 2005 which had maximum limit of Rs.18000. From past near to one year I had not used the credit card and before not using it I called in ICICI credit card department and request them to settle my bill. They did not listined it and told me we will take the money from our own ways, do what ever you want to do.

Now after this incident they automatically wavied my Rs16000 from my account for which I had complined to bank through government portal. After there interference the bank listined my complain and assited me that the money which is waived off cannot be given back but we do settlement. And the final settelement was done that they asked me to go to Pune and collect the settlement letter and no money will give you back.

Sir/Madam I had only Rs4000 as a bill which was all of interest not the principal amount and I asked the bank that I am not in the position to give this amount. After this one year down the line they waived my Rs16000 and told me do what you want to do.

Sir/Madam please tell me how can I fill the case against them. Now I do not want money I want justice for a citizen of India and for all the customers who all are suffering from the same problem.

Dear Sir,

I am Doris Fernandes working as a Web Page Designer in Mumbai, 2 months back i had applied for an educational loan for my brother who is pursing his Hotel Management in Pune for Bharati Vidyapeeth. Initially I was told that I will get the loan coz the college was listed. But almost after more than 2 months they are telling me the college is not listed and your loan is not sanctioned. I was totally depended on ICICI...

From :Ketan B. Pandya To, The ManagerHome Loan ICICI Bank Sub:-To the request for the payment of my salary Respective Sir, My self Ketan B. Pandya. I am working as a sales executive in ICICI Home loan under Mehsana branch situated at Gandhinagar ICICI Bank Sector-16, Gandhiangar and my code No. is MCHCS 00015. I have joined in the month of June-27, 2008.Yet I did not get my salary amount so kindly request to dosomething in favour of my current situation I am coming from very poor family & I have to manage my family and I am only one person whom is earning person in my family another thing is that I have to manage my vehicle useages.I am wating for your quick positive action in favour of my salary. Thanking you Yours Sincerely, Ketan Pandya

a3M TEAM
Corporate Office
325 Milinda Manore 2 RNT Marg
INDORE- 452001
Phone:[protected],[protected], Fax[protected]
Cell No. [protected], [protected],[protected]
Email: [protected]@yahoo.co.in,
Our Franchise Offices:
Delhi, Mumbai, Kolkatta, Chennai, Bangalore,
Lucknow, Coimbatore, Anand, Hyderabad



DATE 21/10/08
To,
The Branch Manager kind attention : Chairman K.V. Kamath
ICICI Bank
Malav Parisar A.B. Road
Indore M.P.

Subject: Request for not charging the transaction charges in account no.[protected]

Kind Attn. - To whom so ever it may concern

Refer to our a/c no.[protected] we are maintaining our corporate account in your bank since 25/06/08
In the name of 3M TEAM. Earlier before our account getting started in your bank the concern person promise us that we will not charge any extra amount or any transaction charges for maintaining our corporate account as we are keeping your account in M to O 25 K account. As per the terms and condition of that account there will be no transaction charges will be charged extra. But suddenly on 18/10/08 our account statement shows that you have debited RS. 1685 as transaction charges. When we receive that statement we were really get shocked because the same thing were happened to us earlier. Before above mentioned account we were running our corporate account[protected] Variant Mid to order 25000/- . In that account also we had confronted with the same cheating.

Sir, we always look forward to your bank, a very leading customer oriented bank with a wide range of products, we have trust one of that product which seems match to our requirement. But only mistake we have done that we have not made any negative assumption about you and your services. This is the matter of intense hurt of of our emotions.

Sir, we are self employed people, we have a hard money, energy and time to spend. All this things are matters to us. We are not big corporate like you who are even get paid for forgery and cheating. We are very small customer of yours and this shocking and very hurting experience pressurizes us to put our sentiments before Banking Ombudsman in case if we won’t get the appropriate justice at your level.

Waiting for your positive support and our sincere apologies that we trusted on you and join you as your customer.

Thanks & Regards

For
3M Team


PROP.


C.C. to Branch Manager
Rajwada Branch
Indore M.P.














a3M TEAM
Corporate Office
325 Milinda Manore 2 RNT Marg
INDORE- 452001
Phone:[protected],[protected], Fax[protected]
Cell No. [protected], [protected],[protected]
Email: [protected]@yahoo.co.in,
Our Franchise Offices:
Delhi, Mumbai, Kolkatta, Chennai, Bangalore,
Lucknow, Coimbatore, Anand, Hyderabad



DATE 21/10/08
To,
The Branch Manager kind attention : Chairman K.V. Kamath
ICICI Bank
Malav Parisar A.B. Road
Indore M.P.

Subject: Request for not charging the transaction charges in account no.[protected]

Kind Attn. - To whom so ever it may concern

Refer to our a/c no.[protected] we are maintaining our corporate account in your bank since 25/06/08
In the name of 3M TEAM. Earlier before our account getting started in your bank the concern person promise us that we will not charge any extra amount or any transaction charges for maintaining our corporate account as we are keeping your account in M to O 25 K account. As per the terms and condition of that account there will be no transaction charges will be charged extra. But suddenly on 18/10/08 our account statement shows that you have debited RS. 1685 as transaction charges. When we receive that statement we were really get shocked because the same thing were happened to us earlier. Before above mentioned account we were running our corporate account[protected] Variant Mid to order 25000/- . In that account also we had confronted with the same cheating.

Sir, we always look forward to your bank, a very leading customer oriented bank with a wide range of products, we have trust one of that product which seems match to our requirement. But only mistake we have done that we have not made any negative assumption about you and your services. This is the matter of intense hurt of of our emotions.

Sir, we are self employed people, we have a hard money, energy and time to spend. All this things are matters to us. We are not big corporate like you who are even get paid for forgery and cheating. We are very small customer of yours and this shocking and very hurting experience pressurizes us to put our sentiments before Banking Ombudsman in case if we won’t get the appropriate justice at your level.

Waiting for your positive support and our sincere apologies that we trusted on you and join you as your customer.

Thanks & Regards

For
3M Team


PROP.


C.C. to Branch Manager
Rajwada Branch
Indore M.P.

Hi,
Same complaint against ICICI is also listed o this site (from Mr.Abdul Hafiz Abdul Shakur Pathan)
Even my ICICI savings account was imposed the same transaction "ICICI Bank 20/10/2008 QABChgs, Jul-Sep08+Serv Tax93 DR INR 843.00" on 20/10/08.
I sent out email to ICICI but no replies. Per their website, they should response within 24hrs.
How come any bank impose charges without the knowledge of the account holder?
Shouldn't all the charges & policies (along with the hidden ones) be explained diligently during the account opening process?
ICICI bank has mentioned that any new/modified charges is posted on their site (www.icicibank.com), but I was not able to find this charge.
We should definitely sue this ICICI bank for their bad business practices. It's no wonder that people dont trust this bank anymore, people withdrawing their money is fully justified. I am pretty sure that ICICI worst business practices are another major factor apart from the economic recession.
I have asked ICICI to revert the charges, will go to court if they don't rectify.