ICICI Bank Complaints & Reviews

Respected Sir,
I am a regular payer of your credit card bills. Three months back I recieved a bill with my transection amt &late fees stating that I have not paid my previous bill.I paid only my transaction amt ¬ the late fee which was very neglible at that time.As I did not revieve that bill on that month so I did not pay during that month.As a matter of principle I did not pay late fees that month.
Now that negligible late fee amt become Rs.675/-.I tried to solve this matter with your telephone exe. But nobody even bother to consider my situation.So I am making this complaint to you.
Kindly waive off my late fee dues &help me making good relationship with your Bank.
Reards,
Dr.Aparna S.Pakale.

I missed the last statement payment for a paltry sum of less than Rs.500/- as min. payment & max. of 9k plus on my credit card NO: [protected] on due date, but paid it on intimation by phone from the concerned, promissing that ther will not be any late fee. However, I find a charge of Late Payment Fee of Rs. 400/- in your statementdated 21 Oct 2008. This is totally unacceptable. I want it reversed at the earliest if I am to continue with transaction on this card and the Platinum card also.
You may note that I have already scaled down the use of your cards as your service is defective and exploitive, to say the minimum. I regret to bring to your notice my feelings. My Mobile No.[protected] for communication.

Sincerely yours,
Dr.Mohan George

Dear Sir,
On[protected], By using my Canara Bank debit card, I went to withdraw the amount Rs.1000.00/- near by ICICI ATM centre, (ICICI ATM, Pricol Branch, Mettupalayam Road, Coimbatore.)I insterted a card for transaction, After entering the PIN number and Amount, it showned me the transaction declined, I tried for Another time as above, again it showned me, the transaction Declined.Then i took my card out and went- out for purchase, There i puchase a materials through my debit card.
Then i withdrawn an amount of Rs.1000 in state bank ATM Center ( Periyanaicken palayam) and got a shock by seeing the Printed slip, in that slip, the available Ledger balance was low.
Then i went to Near By Canara Bank ATM center, and took a Mini Statement, It was real, the balance amount was Low.And it is confimed, the transaction which i did in ICICI Bank, has debited Ra.1000/- each time, Now i lost Rs.2000/-, Nobody is resopding me in ICICI Bank and Canara Bank.Please Guide me the right way .Create some ways to get the balance payment.

ICICI bank cheated me in 2007.
I got a call from ICICI bank last year offering me a loan amount of Rs. 1 lakh.
I got the call from Miss Janet from the phone no[protected].
At that time some of my freinds got loan at 14% interest reducing rate.
She offered me Rs. 1 lakh at 15% interest reducing rate.
After a few day, their representative came to me to get the application signed.
There were so many places to sign for me. I started signing the paper and suddenly saw that the rate of interest was written as 19% on the application form. I told him i am not willing to take the loan if it is more than 15% and asked him to return my papers (company id card xerox, address proof and so on)
He said he will call back and went . Next day, Miss Janet again called me that the rate of interest was changed. I told her to return my papers. She called me again and offered me at 17%. i told her i dont want any loan and requested her to return my papers. She again called me and offered me at 15%. I told her what about the application form where the rate of interest is written as 19%. I told her to bring an new application form. She said it would be taken care of and it would be changed to 15%. I had not even signed at all the required locations of the application form. They didnt even bother to give me the acknowlegement reciept of the application form. The acknowledgement slip should have been torn from the application form and given to me.
I never thought that ICICI would cheat me as I thought ICICI was a big brand.
They even didnt bother to give me my loan ID and a customer copy of the aggrement or application form the reason being that I would come to know that they were actually charging me at 19% instead of 15%.
They deducted the EMIs from my bank account every month automatically.

In may 2008, I happend to call the bank to enquire how many more EMIs I needed to pay.
Just by chance, I asked to reconfirm what the interest rate was. The customer care executive shocked me by telling that it was 19%. Since that day I have been calling them to reduce the amount and have spent a lot on my mobile bill. They gave me my Loan ID (LPNG[protected]) and sent me a xerox copy of the Application form. In the application form they had crossed 19% and changed to 17%. Again 17% was crossed and changed back to 19% again. In the space for EMI aslo they crossed and and changed the EMI amount. They refused to entertain me by saying that my loan was arranged by Agent chosen by ICICI and they have severed ties with the agent. I objected to that by saying that if they had authourised the agent to be their partner and the agent commits fraud, ICICI is responsible. At the time of giving the loan, they only said that they were from ICICI. Evevn now the acknowledgement slip of the application form is blank and i have the xerox copy which they sent to me last month.
They now say that my signatures are there and they cannot change the rate to 15%. There is a signature near the area where 19% was changed to 17% and again changed back to 19%. I told them that the signature was not mine. They said they cannot change the interest rate under any circumstances. I told them I would file a case against the bank. Then aslo they said they wont change the interest rate.
Not even in my wildest dreams, I never thought that ICICI would go so low and cheat their customers.
It not only about money now. I want to teach them a lesson.
Please give me any advice what steps I should take. Sould I consult a lawyer and report to media .

Thanks
Maibam Susanta Singh

Dear Team,
Please find a case enclosed attached herewith in which ICICI Lombard had debited insurance premium in my credit card and against which I had lodged complaint at least twice and surrendered the wrongly allotted policy too. Despite of several requests the reversal is not being done and I am receiving calls from collection agency for payment. Every time I am getting reply that the matter will be resolved within two-three working days but reply as well as solution is not being provided.

You are requested to publish this cheating by ICICI Bank. For your reference I have attached a voice call file which indicates that the policy will be provided free of cost.

Thanks & Regards,


________________________________________
From: Jatin C Shah
Sent: Friday, August 01, 2008 1:45 PM
To: '[protected]@icicilombard.com'; '[protected]@icicibank.com'
Cc: 'kamath.[protected]@icicibank.com'; '[protected]@icicibank.com'; '[protected]@icicibank.com'
Subject: FW: 'ICICICARE=[protected]' Lombard
Importance: High

Dear Team,

Despite of several reminders my query is not getting resolved and due to which current outstanding is Rs.19255.74. Kindly stop debiting policy premium and reverse all charges immediately.

This is last request to resolve the matter.

Thanks & Regards,

________________________________________
From: Jatin C Shah
Sent: Wednesday, July 09, 2008 9:00 AM
To: '[protected]@icicilombard.com'; '[protected]@icicibank.com'
Cc: 'kamath.[protected]@icicibank.com'; '[protected]@icicibank.com'; '[protected]@icicibank.com'
Subject: FW: 'ICICICARE=[protected]' Lombard

Dear Team,
Debit of Rs.10, 633/- is various installment has been done in my credit card on account of free ICICI Lombard policy. This debit has been done despite of confirmation that the same was available absolutely free of cost. Due to this cheating, I have surrendered the policy to your Ahmedabad Branch way back in Dec-07. I have already send request for couple of times but still the reversal has not been done and due to which current out standing is more than Rs.18, 000/-.

For your reference I am attaching copy of those mails and call conversation which was happened with customer care executive confirming that the policy is free of cost. You are requested to make it clear whether the charges are going to be reversed or not so that I can take decision about the continuation of service. This is just to inform you that due to vague answers at Services Desk, weak response at call center, I have already pre-closed ICICI Home Loan a/c.

Thanks & Regards,

Jatin Shah
________________________________________
From: Customer Care [mailto:[protected]@icicibank.com]
Sent: 09 July, 2008 8:23 AM
To: Jatin C Shah
Subject: 'ICICICARE=[protected]' Lombard

Dear Sir,

As for our telephonic conversation we confirm that we will not be able to access your policy details registered by ICICI Lombard and hence we request you to contact only ICICI Lombard.

Please contact the lombard with this ways.

1) Send a mail to [protected]@icicilombard.com
or
2) Write to this address:

ICICI Lombard General Insurance Company Limited
Customer Support,
Zenith House, Keshavrao Khadye Marg
Opp.Race Course, Mahalaxmi
Mumbai - 400034.


For your safety DO NOT:
1. Keep your cheque books and cards together
2. Keep the blank cheque leaves signed
3. Allow anyone else to use your card, PIN, password or any other security information
4. Write down or record your PIN, password or any other security information
5. Give your account details, password or any other security information to anyone.



Sincerely,

CH.Chandrashekar,
Customer Service Officer
ICICI Bank Limited

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I have completed my all dues to bank towards home load i applied for Rs 680000/-.. This was settled in month of April 2008 and only and I approached ICICI Jai Hind Building office to home loan department where Asst Manager (not gave his name) told me that if you want your documents fast from our mumbai office, pay me Rs 5000/- ... else it may take several years also to get your original docs if you would not pay me
My Loan Account Number
LBSUR[protected]

Please help immediate.

My contact number [protected]

Hi,

I have been ICICI Customer for last 7 years, I never had any problems so far. Due to the pleading from the sales reps, I had taken a credit card and had never used that for alomost two years. Meanwhile I had also availed a loan from ICICI ...
Last month, All of a sudden my account was showing a negative balance and account was loacked, the entire personal loan amont was shown as negative. I had tough time to get details from the bank - The worst customer care center, They seem to have no idea and knowledge .. Finally after 10 days of continious followups they told it was due to loan, I was transfered to loan department and He put me on hold and within no time cleared my account. He said he saw no problem and account is open, within no time I was able to see my account active. I thought it was my bad time and their negligence they have commited this error and went on.
Later that night found that my entire account was wipped off, I got furious and called up customer care and blasted that poor inocent folk, He took pain and spoke to credit card session, Told that One Mr. Amit Chourasia from ICICI Bangalore Collections team claimed that he has a written authorisation from me to clear the same. I spoke to that Gentleman he said he has directions from RBI for the same,
I tried educating him, But He ended up challenging me for the consequences with all ill Language. I am sure this would end up in arm twisting fight,

... But the whole point is Bank is not realising that by encouraging the Collections - Its loosing its credibility .. I have investments from Dmat Account, Personal loan, and Current account.. Seeing the track of last seven years they should not experiment with the customers.

I have decided to change my bank, In case if I dont get the amount debited by tommorow - I would ensure they would be not able to take a single penny more from me.

I Jobby Lonnapan has applied for Housing loan from one of your DSA of ICICI HFC M/s. Shree Financial and has been sanctioned loan of Rs.5 Lakh from Borivali (W) branch, Mumbai since more than 15 days. Thereafter i was called upon to submit all my original document which was submitted immediately within 3 working days. Since then i am waiting for the disbursement and every i am being said from Shree Financial the disbusrement will be done next day. But till date i have not received the same. On 30/07/08 at night 10 o'clock the representative of the bank told me that there is an error in my bank pass book which was actaully typing error of the bank in which i hold the bank account and was a transaction of January 2007 which is actually not required as per your requirement of document and told me to bring original pass book which was given to the bank immediately on 31/07/2008. This also was not satisfied by them so they told again at evening 6 O'clock to get veruification from my bank. the whole time they wasted my time and told me so late that other bank where closed and i was not able to bring the verification letter. Next morning i.e. on 01/08/2008 i brought fresh statement of account for the month and year January 2007 with bank signature and duly stamp and handed over to them at 01.00 P.M., but still now there is no reply from their end. they only say that the process is going on. They say that the Cheque is ready and duly signed but yet to receive the approval. Now i request you to please look into the matter as i am being pressured by the builder for the same. Daily i come to bank and sit till 10 oclock night and new problem is being shown to me, which is actually pointless. I cant understand why am i being so harrashed. Is this is your way of providing service to the customer. I am realy very upset please help me out.

my monthly instalment of rs4407/-was not deducted on 7th.Aug.08 while sufficient bal. was there in my account.Inspite of getting appoinment for collecting the cheque.from my residence at mahipalpur in New Delhi, Excutive didnot attend .Other Excutive collected another instalment of my second personal loan. I was informed byMR, MANISH, telecaller atB131, Mayapuri INDUSTRIAL Area phase 1that he is sending the exc. for collection on24 oct08 but the exc. did not visit.I have been very regular in paying my instalment, so pl.send the excutive for collection. My loan acc.no.--LPDEL[protected].ON 4 09 2008&24 10 2008 IHEY FAILED TO COLLECT inspite of getting time from me. this is disappointing&discouraging for govt. emloyees aspirans of personal loan from your reputed bank

Dear All,

I had some dues on my credit card. (I cant mention the credit card number because of security reasons)
I meeting was held in Jun 2008 to settle my dues. The other term was that my credit card would be cancelled forever. I represented myself and ICICI was represented by Mr Krishna (currently his office is in sec 8, rohini, delhi branch), and there lawyer Mr. Narayan (office in Tis hazari Courts). The meeting was held in the lawyer's chamber. The settlement amount was Rs 52, 000/- to be paid in three monthly instalements of 18000, 18000 and 16000. Both the parties agreed to the terms and conditions.
I made a payment of 18000/- which was refelected on 28th june 2008 in ICICI.

To my utter surprise, next month i received the statement again with more penalties imposed on me.
I tried to contact Mr Krishna but to no avail. I also requested ICICI to send me the of intent for the terms agreed upon but to no avail. after that i didn't make any payment as there was no transparency on ICICI's part.

Now i have been continuously receiving the calls from ICICI (latest being today i.e., 25th october 2008 by the collection manager of Sectror 8 branch rohini, delhi to my wife. he also used abusive language with me, his mobile number is [protected]).

I have tried to approach the ICICI authorities numerous times but to no avail.
I have sent the mails also but they don't pay a heed to it.

may i request you to help me come out of this agony.

Regards
Deepak Malik
[protected]

Sir,
My Account No.[protected] Saving Account . I opened Account
Through Cheque 5000/= Minimum Balance Scheme. But now they deducted 978/- Amount on dated 20 Oct -08 .when I called Customer Care they told me you not maintain your account as 10, 000/- Min balance. But i always maint 5000/= . Already i discussed executive.
till date i called and launcehed complaint but no any action and my amount not credit.
so plz reply
Nehal [protected]
[protected]@yahoo.com

i have deposited total loan amount of Rs 28000 + interest in 22 installment OF RS 1482 EACH THROUGH MY CHQ BOOK AND COLLECTION BRANCH SULTANPUR .THEY HAVE COLLECTED AN EXTRA AMOUNT OF RS 1250 AS BOUNCE CHARGE FROM ME WHICH IS WRONG THIS WAS THEIR FAULT THROUGH R NO. L[protected] DTD 28-06-07.
THIS AMOUNT HAS TO BE RETURNE TO ME AND THEY HAVE TO GIVE ME NOC .AND I HAVE COMPLAINED PERSONALLY TO CCC LUCKNOW DTD 30-06-08 AND 25-09-08 BUT NO REPLY HAS BEEN GIVEN BY THEM .
THEY ARE GIVING NOTICE FOR RS 4558 WHICH IS WRONG THEY HAVE TO CHECK THEIR DETAILS AND CONTACT ME ON MY E MAIL .
mOB NO. [protected]

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