ICICI Bank Complaints & Reviews

Hi I am Bikram,

I had taken a PL from your reputed bank around 2 years back on INR 1, 50, 000.my per month EMi amount was INR 3770, which i was paying pretty well.
I changed my job and luckily I got an ICICI salary account.I was happy and thought of shifting my ECS to it from my previous account.
The CCR in the Lord Sinha road office said that i would need to pay INR 1000 for the same.I was really surprised.
This took them nearly 3 months to do the same when I naturally didnt want to pay 1000 just to change from my prior bank to ICICI itself.
I went or a trainig from my present company so was out of India for around 5 months, so oviously the EMis were not paid which I think is a mistake, but wht ICICI did to harrass me was to put a block to my salary account.I dont know if they are permitted to do that, but still may be they have.
On the other hand while i was out, my cancer patient mother who was alone in the house recieved several Threat calls from the call centers of yours.and the languages they used were really splendid.
To state the fact, ICICI loans and Credit cards to have a negative impact o customers but I do repect it.
So I would really appreciate if the blockage in my salary account be removed asap, and after that please do the ECS procedure from it to my Loan account which is LPCAL[protected].
thanking you and hoping that this issue would be solved at the earliest.

bikram
[protected]

1. How can ICICI can deploy such a unresposive & unfaithful courier service, for delivering of simple courier, it is taken more than a month?

2.ICICI has not taken any neccessary actionor initiation against the complain raised by me complain no: SR82591531.

3. It is inform by the bank that the courier has been sent by the Elbee courier service airway bill no.[protected] . But unfortunately not yet received. Canyou help me to get tah same.

sir my name gurmeet singh bagga ro c-8-154 rohini sec 5 new delhi 110085 hai sir me last 4yr se icici bank ka card use kar raha ho is card par mera ricord bhuat acha hai sir mujhe icici bank ne indiatime card diya sir is card se me bhot parshan ho kyo ki is card ki stetment par mera add B-8-154hai me kayi bar is bare me bank by mail &hardcopy fax aur costmer caer par bhi bol choka ho par ki nahi sun raha hai ab mene is card ki payment deni band kar di hai ab mujhe sep month me videcon tower se ph aya ki sir app is card ki 4150rs ki payment kar dijiya aur baki pyament app ko rewarsal ho jaygi aur card bhi active rahega mene kar di abwho mujh se aur 9566 pyament mang rahe hai mene isbare me bank ke colection dipartment ke mr jitendar chabra se baat karni chahi par who nahi mile mene bank ke mr harshil mehata ko mail kiya lakin koi bhi risponas nahi milaa ab who log mujhe roj parshan kar rahe hai sir me app se binti karta hoon ki app meri help kare thank you ph [protected]

I took a home loan from ICICI bank and was doomed from the beginning. I have taken a floating rate for my home loan. During the time of monetary tightening by RBI my rate shot up from 7.25% to 13.5%. For every increase in repo rate and CRR by RBI ICICI increased the rate by 0.5 and 0.75% respectively. However recently when RBI reversed its stance (Thanks to the new RBI governor) by cutting CRR and repo rates my home loan rate has not gone down a bit. What is the meaning of floating rate then? It only goes up and seldom comes down. Also ICICI is giving new customers a very low rate compared to what I am paying. It most cases its around 3% lower than what I pay. How can this happen and why is RBI not doing anything about this? I am resigned to my fate and mistake by choosing ICICI. I can't even switch because of pre-pay penalty. Something has to be done and I appeal to the readers to stay away from ICICI. Don't make the mistake of going to a pvt lender like ICICI because the mantra is simple. Rate goes up in a whisker but seldom comes down even when condition are favorable.

I had a car loan which has been foreclosed on 3rd oct and the loan acct no is LACHE[protected] however i had not received the N O C or any information about the same.I had numerous times called on the phone also i had made a complaint on the foreclosure but there has not been any response on the same.It is also disheartening as when contact is made on the assigned phone numbers after great difficulty get to talk to some one but no one is able to guide properly.Also i would also appreciate correspondence on the complaint made.The N O C be forwarded and also informed about the same.

I had no idea about this imintpoints.com until today when I received a mail from ICICI Bank stating that my Credit Card reward Points have been transferred to my imintpoints.com account. I dont know when this imintpoints.com account got created for me. Moreover I am more concerned about close to 50K that I have spent in the last 1 year through my card expecting that I would redeem points at some point of time.

This came to...

Sir,

I have a salary account with ICICI for several years now. Our corporate account number is[protected]. During last quarter (July to September 2008), I had three remittances from my company for salary. When my company makes the remittances of Salary (the amount may vary from month to month), it puts as Allow/Mr. Siby Paul, as it does for 100s of our other employees. But I was charged Rs.843/- by ICICI stating that there was no minimum balance. When I informed that it was a zero balance salary account, the branch manager was requesting for proof. Later when I send a mail through the Mailing System of the ICICI online banking, the account manager responded that mine was indeed a zero balance salary account. But still there was no reversal of charges. Now their contention, over phone, is that Allowance can not be considered as Salary. As our company makes the salary payment always through this heading to 100s, if not thousands of salary accounts - (and I being the only person, to my knowledge, who was unfairly charged this amount) - I feel this contention is nonsense.

Sir, kindly look into this matter and do the needful

With hope of a quick and favorable response,

Yours faithfully,

Siby Paul

Dear Sir,
Please refer to the above subject.
Iam holding Gold Credit card no. [protected] of ICICI Bank whose validity is till 07/2009.
In June'08 monthly statement it was reflected by bank that Rs.39250/- amount was due and last date was 14 July'08.
Accordingly I made the payment of Rs.39250/- through cheque no.092632 on 12 July'08 and it was debited from my savings account no.[protected] on 14 July'08 of AXIS bank, Barrackpore-700120, West Bengal.
I was shocked to see that in october'08 statement it is reflecting that again Rs.39250/- has been added as due in my credit card's amount and it is reflecting that again this amount is due for payment and regardinger this when I spoken to customer care Mr. Venkat on telephone no. [protected] on 31 October'08 then he kept me on hold for 30 minutes and after that he informed me that it is not known to him that where the thing has gone wrong and asked me to call back on 03 November'08 with reference no. SR 84348993.
I called back on 03 November'08 to ICICI Bank with reference no. provided by them but still that matter has not been solved and it appears that now this bank is involved in fraud and cheating case with customers.

I am seeking advise of consumer forum on the above and reportedly the same is being forwarded to the concerned ministry and regulatory authorities.

With Regards,

RAKESH PANDEY,
FLAT NO.3-E,
UMIYA TOWER,
70/A, BHATTACHARJEE PARA,
BARRACKPORE,
KOLKATA-700120 (W.B)

LANDLINE NO.[protected] / 25945137
MOBILE NO. [protected] / [protected]

Hello Sir,

I got SMSes from ICICI bank regarding a couple of transactions made using my credit card.

The transactions were made on Cox and Kings India ltd.
INR 8349 and INR 19873.

The following transactions were not made by me . I have raised a dispute with the bank.

According to them it takes 30 days for the dispute to get resolved . But the customer care isnt giving proper updates on the same.

request you to extend some help.

Thanks,
Aditya

My Noc is sended by ICICI whose AWB No is[protected]. But i have not recived it till now. so please deliver it as early as possible.
Amit Mittal
[protected]

hi all, This is suresh from chennai, I had bought a car worth 4.25L, last sep 2007, which is financed by ICICI, now that due to physical illness i was treated outside india, and nobody could follow the same, I was lagging behind 6 months due, and my stage is financially nil, I ve decided to surrender my vehicle immediately, kindly advise me whether i will have to pay any deprieciation?, beforethat ICICI man are illegaly treating me and my family.

Hi

After using almost one year of my ICICIBank Credit card (5239 XXXX XXXX 8019), I did not receive my I-mint card yet, despite number of request/complaints for the same. Are thease companies making fraud? Further should I complaint against them with RBI and move to the court.

Deepak Kumar Singh
[protected]
Lucknow

Date 15th October, 2008

The Customer Care,
ICICI BANK LIMITED,

Reg. : CREDIT CARD NO. [protected]

Sir/Madam,

Please refer your letter No. ICW/C[protected] dated 7th October, 2008 regarding due of Rs. 5983.18 against the above said credit card. In this regard I would like to inform you that my credit card was running very smoothly with your esteem bank for many years and there was no any problem at all. However in the month of September, 2007, I received a credit card statement to deposit Rs. 10990/- from your bank and as I always do, I deposited a cheque No. 480311 for Rs. 10990/-drawn on State Bank of India, Seelampur Branch Delhi in your bank on 14th September, 2007 which was duly encased from my bank ( State bank of India, seelampur branch, ) on 20th September, 2008.

However I received a call some time on 3rd or 4th October, 2007 that your bank not received my payment, I informed them that I have made full payment in time wide cheque no. 480311 of SBI, Seelampur branch and after checking from my bank passbook I informed that cheque was encashed from my bank on 20th September, 2007 itself. In that response your executive asked me to submit a letter from my banker about encashment of the above said cheque. Next day I approached my banker and asked them to issue a letter regarding encashment of Cheque No. 480311. On my request State Bank of India, Seelampur Branch issued me a letter dated 5th October, 2008 about the encashment of cheque No. 480311 for Rs. 10, 990/- issued in favour of ICICI BANK CREDIT CARD NO. [protected] on 20th September, 2008.As required I faxed the said letter of my banker to the fax number given by your executive of your Bank when they called me about the payment.

After fax I thought that matter is over and your bank will credit the amount and account will be settled. I was surprised when I received the statement of November with late payment charges, Interest on the amount I have already paid on due date and service tax thereon. I contacted your bank and your executive told me that they will see and if your payment received in time we will waive the charges. There after, I received various call from your DSA for payment but when i informed them about not crediting the payment they were not ready to heard but only asked to make the payment at lease minimum payment and they are ready to come to collect the amount. In this process only in the Month of January, 2008 your bank credited the above said cheque. My sincerity to settle the matter can be seen from the fact that when I received the call, I approached my bank on the very next day for cheque encashment certificate and faxed to your bank on 5th October, 2007 itself.

Since the above process of your bank taken about 4 months to give a credit of the cheque charges i.e. Late Payment Charges, Interest on the late payment charges, Service tax pile up th amount to by Rs. 600-700 per month and made the amount more than Rs. 2500/- When I asked them to drop/waive the above charges they drop/waive for 2 months on the ground that in your bank no body is authorised to drop/waive the abvoe said charges for more than 2 months.

After the above incidence I discontinue to use your bank card and made the payment of standing instruction payment of my Idea Phone bill and One Life Insurance premium on due date to avoid your unjustified charges. Once I received a call from your bank that we will drop/waive entire charges wrongly debited to your account if you deposit Rs. 800/- I deposited that amount also. Again I received a call from your bank that you deposit Rs. 1250/- and we will drop/waive the above charges and i again deposited the same in good gesture but my all efforts gone in vain because every call from your bank is to recover the amount only on whatever true or false statement to waive/ drop the charges but no body is ready to hear the complaint/ grievance of the customer/card holder .Now you can see that what i am doing to settle the matter and what is your bank is doing to settle the matter.

I further like to mentioned that the above said dues against me is only on account of late charge, interest charges, service tax compounding month by month without look into the matter that when a genuine card holder has paid the amount in time how can he first pay late payment charge, interest on late payment and service tax thereon which was growing compounding month by month. If you will see my card statement you will find that at present after write off the above said charges my credit will show a credit balance of about Rs. 500 because your bank has charges the above said charges for the more than 10 months.

I further like to mentioned that the representative of your DSA only interesting to recover the money from credit card holder and they do not even hear complaint of the card holder. They are damaging the reputation of your esteem bank and I request you to look into the matter.

I Hope you will find my letter in order and after examining the fact of the case drop these unnecessary / unjustified charges and Clear the matter. However I would like to inform you that

For your reference i am again enclosing the copy of the Cheque encashment certificate from my banker dated 5th October, 2007.

Thanking You,
Yours Faithfully


(Dinesh Jindal)

Dear sir/madam
I, sanjeev kumar has a saving bank account in ICICI Bank Limited, DLF city, gurgaon, haryana. my saving bank A/c number is[protected]. On 10.10.2008 I put my ATM card in State Bank ATM, hasanpur road, to withdraw the money Rs20000/but the transaction could not be executed due to some technical reasonand gave a slip in which written 'sory unable to proceed' but my account was credited by Rs 20020 i.e., Rs 20000 transaction amount and Rs 20 for transaction charge. Then I approached my ICICI bank branch and also lodged a complaint in ICICI bank through mobile at 13.10.2008.complain id.-SR82578587 They told to me wait 8 working days .On 22.10.2008 messaged me that you will have to wait 45 days.why i am waiting so.i need money.please arrange money as soon as possable.i will thankful to you for this.

details-
name-sanjeev kumar
bank-icici bank limited, dlf city, Gurgoan, haryana
acc.no.[protected]
complain id-SR82578587

Dear Sir,

My savings account with icici bank has been kept in lien status for not paying due against the credit card. The card number is [protected]. However, the bank failed to send me any statement of the due amount and without giving any prior notice the bank has withdrawn an amount of 34, 000 from my account. When i called the customer care to remove the lien status, a request was taken to debit the amount instead of taking lien status removal request. Please advise

Dt: 30th October ’08

I, REKHA .E.V own an ICICI Bank EMI Card whose details are as below.

ICICI Bank EMI Card Details:
EMI Card No: [protected]
Valid From: 12/07
Valid Thru: 12/11

As soon as I received my EMI card for which I had not applied, I started receiving promoting calls from ICICI Lombard Health Insurance, promoting their policy. I received this promotion call very frequently for 3-4 times in a week, in spite of my disagreement I was forced to take up the policy. In response to which I told them to send me the details of the policy in written format, i.e., by post. For which they told me that they will send me the policy along with the details I requested for. When I told them that I only require the details and not the policy, they assured me that they would send me the policy cards but would not activate it and asked about my personal details. For which I agreed.

This was in the month of February’08.

In a span of few days I received ICICI Lombard Health insurance policy with the details as below.

ICICI Lombard Health Insurance details:
Policy no: 4034/CHT/03334446/00/000
Insured: V .E. REKHA and Vijayasree .E
Address: No. ½, 4th Cross, Nanjappa Layout,
Vidyaranyapura Post,
Bangalore – 560097
Mobile: [protected]

In the same month of February’08 I received my EMI Card statement which figured the ICICI Lombard EMI charges in it. I was shocked, because I was told that I would be sent the policy card without activating it, but I also started receiving EMI card statement with policy charges.

On 20th February’08 I called ICICI Lombard Customer Support department and asked them for the status of my policy. I was told it was activated. My conversation was with Mr. Sanket, Customer care executive, of ICICI Lombard department. At 7:10pm.
I explained him the whole issue and he assured me that action for cancellation of the policy would be taken up. I was given a Request ID:[protected] and was told that within 11 working days my policy would be cancelled. Also in 2 working days I would receive a confirmation call.
In the due course of time I never received any confirmation call.

In the consecutive months I continuously received EMI card statements with ICICI Lombard charges in it also with other charges such as late payment charges.

Again on 7th April’08 I called ICICI Lombard Customer care department and had a conversation with Mr. Raj. I explained him the whole issue allover again and again I was given a Request No:[protected]. And was told that within 4 working days the issue would be sorted out.

In due course of time I received a letter from ICICI Lombard General Insurance stating that my Policy stands cancelled with effect from 3rd April’08. Scanned copy attached.

I was very much relived. But for my shock I continued receiving ICICI Bank EMI Card statements for the consecutive months.

Again on 11th May’08 I called ICICI Bank Customer care but I was told that I will have to speak to ICICI Credit card department. When I called ICICI Credit card department I was informed that ICICI Lombard has not intimated the ICICI Credit card department that the policy is cancelled or whatever is their formalities.
I was put in such a loop that each one was holding the other responsible for this issue. No one was ready to take out the responsibility and solve this issue.

I later had a conversation with Mr. Praveen of ICICI Lombard Insurance department on the same day at 10:05pm. I was told that the ICICI Credit card department would be contacted and all my charges relating to ICICI Lombard would be waved off. I was again promised that within 11 working days the issue would be solved, with the same Request No:[protected], but all my efforts went in vain.

Till date I have been receiving ICICI Back EMI card statements with late payment fees, service tax etc.

In the statement of 16th September’08 it states that Rs. 2970.19 is the Total Amount due and Payment Date is IMMEDIATE. Also this month’s statement has come with an ATTENTION mark. The scanned copy of the statement is attached.

Again I contacted ICICI Lombard Health Insurance department putting forward this issue. But people there told me that ICICI Bank Credit Card department is responsible for these charges in the statement.

Upon contacting ICICI Bank Credit card department I was again given a Request no: 80735602 and was assured that I would get a call within 3 working days. But again I never received any kind of call from Credit card department.

So, all my efforts to solve this issue are going in vain.

I request you to kindly take up this issue very seriously and see to it that all my charges on EMI Card are waved off immediately.

Regards,
Rekha .E.V
Bangalore

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