ICICI Bank Complaints & Reviews

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.

This bank offering very low interest during loan sanction.But as soon as loan utilised, they will start sucking blood.See in current scenarion, other banks are offering or reduced the rate at/to 10 to 10.5% but this bank has still 13%.It is very dangerous.If you have 20 Lacs Loan you will have to pay additional Rs.3000 as EMI.

Also they sanctioned all loan amount before 2 yrs and I am paying EMI but house is not handed over to me.They are jointly with builder and giving customer pain.

My sincere request all never goes to this bank.Otherwise you will suffer like me.

Dear sir,
I Satyajit Talreja dob 06/02/1972 mothers maiden name Mangala Talreja (for varification purpose). My ICICI credit card had come to my office on 3rd nov morning and as I was not present at the moment the delivery boy left without leaving any Delivery attempt slip which is normally done by courier companies.
Then for three days the courier guy did not turned up, so for three days my issued credit card was not delivered to me. And as I was concerned of the misuse of my card I called the customer support of ICICI, I did not get any help from the dept and after several calls I took the phone number of the Courier service and I called the ELBEE couriers. My experience with them was shocking as I explained to them they were least bothered. Infact they lied to me that I had called them to deliver it to my residence address, which I never did. I wonder why are they lieing to me, and after they missd me on the 3rd of nov. I should hav got my card on the very next day but now three working days have passed and I have not received my card from the courier service. They say that my card is in andheri department and for two days they just gave me excuses and lies. I spoke to Mr. Navin Navolkar on ELBEE couriers phone no. [protected]/76. My consignment no. is[protected].
When I told that I will launch a complaint, Navin of customer support of courier service was rude and said I can do whatever I want they dont care.
After having such an experience now I am thinking twice whether to accept the card or not.
I think this should be to your notice that what an impression the courier service you use, leaves of ICICI.

thanking you,
Satyajit Talreja
6th November

In may 2007, i made an inquiry with ICICI Bank regarding new home loans. Immediately after that I was contacted by one of their employees from NRI section at Calcutta and gave me all details and assured me that If I don't avail the loan the processing fee shall be refunded. I have applied for a loan for Rs.5.00M and paid the the required fees also. I paid a sum of Rs. 56, 180/ on the specific assurance by ICICI Bank staff that the processing fees will be refunded, if I am not availing the loan. Eventually, I have decided not to avail the loan and asked for refund of Rs. 56, 180/
Once I made the request for refund no one in ICICI bank wants to give any reply even to my email . After waiting and writing for many months the relationship manager who was making follow-ups for loan disbursal wrote that she has been transferred.

This is Rajkumar from Bangalore.
The sum of Rs 3000 has been transferred from ICICI Bank A/C:[protected] to my SBI A/C: [protected] on 03rd November 2008 but till date the amount has not been deposited to that SBI Account but the sum of rs 3000 has been deducted from ICICI Bank A/C.I have cross checked and Confirmed with the ICICI People, the transaction has been cleard from their side. So Pls inform me where lag is there By this transaction i am very much frustrated in this.Pls revert me back as soon as possible.
For reference find the RBI No also: 53415788

Details:
Amount transferred date 3rd november 2008 from ICICI BANK Account[protected]RAJKUMAR P) through internet Banking to SBI BANK Account [protected] (POUNRAJ A)
Transaction dtails:
BIL/[protected]/november/[protected]
Payment details for Payment Id [protected]
Mobile No: [protected]