ICICI Bank Complaints & Reviews

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.

This is the worst night mare I am facing from 8th of Aug which is still not yet over. I am a customer of ICICI. I hold a salaried account and
also ICICI GOLD Credit card. I received a call from one of the ICICI executive[protected] on 08/08/2008 on my number telling me that I am eligible for a new card "VIP 3 STAR GREEN CARD" at 12:49 Hrs. According to him this card is given only with CASHLESS CARD(actually a scheme of ICICI prudential Life Insurance).Going by what ever he said I went on to take the cashless card i.e. the life insurance policy of ICICI PRUDENTIAL according to which I am subscribed to a total entitlement of 40Lakhs and 8 Lakhs per year and to use this I need to pay a premium of 7745 Rs and a monthly installment of 645.42 for 24 months. I called up ICICI customer care to verify regarding "VIP 3 STAR GREEN CARD" card and found out that it does not exists.
Later i have tried to find out details about my policy but to no avail. Neither can I get the information about this policy from ICICI BANK CUST CARE nor from people at ICICI PRUDENTIAL LIFE INSURANCE cust care. I have not got any documents regarding this nor the card(life insurance card). I don't have the policy number nor the application number, but as of now I am charged 645.42 Rs on my credit card. I have called ICICI prudential Cust care for more than 10 times they say we will get back to you sir and they never do. I have also put up a complaint in ICICI Prudential office, a month ago still no avail.
I don't understand how come ICICI bank professionals are doing such kind of stuff? I personally trust ICICI bank with all my accounts and money, but if a professional from ICICI bank does such a work then I hate to say but I loose trust on its offers and calls.
I want to cancel my cashless card or the insurance policy with ICICI PRUDENTIAL, but am not able to do so. With out any documents and with out any policy I am just charged money on my credit card.

I am absolutely clue less on what to do. Please some one help me out.

Dear Sir,

My self Abdul Hafiz Abdul Shakur Pathan. I have opened my account last one or two years. My account no is[protected]. I am staying in Ahmedbad in Gujarat. I have againts the icicibank why they cut the balance of my account without any information. The charges is 1 20/10/2008 QABChgs, Jul-Sep08+Serv Tax93 DR INR 843.00. I will request the consumer court to give me ny balance as early as possible otherwise i will withdraw my money and i cannot give the charge of the bank.
I hope u will solve my query as soon as possible.

I have password as well as user ID but not able to connect sugest what to do

my a/c no.[protected]

Sir,

I am using icici bank gold credit card.I made a purchase of rs 14039 i failed to pay whole amount at one, i made payment of minimum amount as mentioned in credit card statement.now when i recived my next statement they have also charged for the grace period which i had according to your executives. so i just want ask i havent seen this type of interest any where.No bank can charge for grace period. i am not going to pay any amount unless or until this interest taken back.If icici bank will not take it back then i will go to consumer court to this problem.If icici have this type of rules so you should clear this before offering your cards.

Thanks
Sandeep verma
[protected]

Hi,

I had a very bad experience with ICICI Credit Card Services. When i got my new card, i didn't get any statements for the first few months. I called up the customer care to send me statements, so that i could pay my bill, but there was no response.

And then they kept adding late payment charges and interest charges, and finally they made my outstanding double the amount i spent.

Bad experience, i would never recommend anyone to have the ICICI Credit Card,
HDFC CC is much better i would say..

Thanks,
Ashish

Dear sir


I santosh dalvi have an icici big bazaar card having credit limit of
23000/-I.R.In the month of Feb08 one of icici agent have called me for not doing the payment against my dues.The name of that agent is Mr.Suresh & his cell no is [protected].Then he told regarding the settlement agaist my dues to pay 1350/-I.R every month for 09 months on EMI basis.So I agreed with him and i have paid From Feb08 to july08 consistently the above said amount.After that i told to Mr.suresh that i will give u PDC for next remaining 03 months and give my settlement letter and at then he told that this payment is not against settlement but only ur ineterst.At then i stopped doing payment.As this is unfair.
And in the month of oct08 they have seized my saving salary account in icici bank, so that i cannot do transactions, and have seized my A/C without giving intimation to me.My outstanding amount showing aprrox.46751/-I.R .Iam ready for settlement but i will not pay above said payment and iwant negotation so pls contact on my cell and number is [protected].
As if i want to do fraud i would have been done but i want to do settlement so i had done payment from feb to july08.
My credit card no is [protected]. And it is request to u release my saving account becuse i[censored] dont then i have to close my account and stop my salary in that A/C. If that happens then there is no point in settlement.
So pls iam requesting u again as above & contact me on my cell for settling down my outsatanding as early as possible.

Yours truly

Santosh Dalvi.

Dear Sir /Madam,
Sub: ICICI Bank Credit card Fraud Re-Payment
Product: Credit Card
Bank : ICICI Bank
Account No: [protected]
Sir/Madam,
I Would like to inform you that I bear i ICICI Bank Credit card No. [protected], Which is missed on 15/07/08, & somebody had purchased for Rs. 8046/- Against that Credit card. REGARDING THE SAME I MADE THE COMPLAINT TO ICICI BANK AS DIRECTED BY CUSTOMER CARE THROUGH ALL LEGAL PROCEDURE on the very NEXT MOMENT & I ALSO LODGED FIR TO LOCAL POLICE STATION.FOR THAT I GOT THE WAVER IN CREDIT CARD STATEMENT, THE ISSUE IS SOLVED BUT AGAIN AFTER TWO MONTH I GOT A POST FOR SUBMITTING THE MONEY ( Rs. 8046/-)REASON "service request SR73271764 the dispute released in favour of bank" .They are asking for depositing the Money,

I lodged the complain to bank regarding the Dispute, & ask for the detail, they are not willing to tell anything regarding the same, only pressing to submitt the MoNEY, I didn't purchase anything & inform to ICICI Bank on the very next second regarding Missing card by all legal procedure & surrender the card, why they are asking for Money ?

PLS. UNDERSTAND THE FACT, CUZ I DIDN'T DONE ANY TRANSACTION, SO PLS. WAVED OFF THE AMOUNT WHICH I DON'T SHOP FOR.
LOOKING FRWARD FOR YOUR KIND SUPPORT FOR WAVED OFF THE AMOUNT WHICH I DON'T SHOP.

Sir, If they had solve the issue & waved off the Fraud Payment, Why again they are asking for ? I send lots of mails to them but They didn't want to listen nor they are giving the Reson For Frausd Repayment.

Pls. Solve the Issue as i come here very last hope...

Thanks & Regards,

Vinod kumar Joshi

MY DETAILS
CREDIT CARD NO. - [protected] OLD, WHICH IS MISSED &
[protected] NEW
A/C NO.[protected]
Mobile No. : [protected].

I Have been issued your credit card no.[protected] in the name of Momin khan r/o Subhash gali, Vishwas nagar, Shahdara, Delhi.
As soon as I got my credit even without using it I came to new that air tickets of GoAirlines and Kingfisher Airlines total amounting to Rs 51980/-on dt 15/09/08 has been done without my knowledge.As soon as I got the statement I was shocked to see the total due amount as I have never used this card before.I immediately called up the customer care No.and spoke to the executive in this regard and told me that a case has been lodged in this regard and ref no.82754935 was given to me for my greivience.My earlier card as mentioned above has been blocked and a new card has been issued which I have duly received.
I sincerely request you to kindly look into the matter as early as possible so that I am able to use the credit card and also tell me if any further compalints are to be lodged anywhere else.

MOMIN KHAN

THE AGENT OF BANK HAS ASSURED ME THAT WHILE I PURCHASE THEIR ICICI LOMBARD POLICY PAYING THROUGH MY ICICI CREDIT CARD YOU WILL BE GIVEN CREDIT LIMIT EXTENDED. I THEN HAS ALSO BEIGN ASSURED THAT YOU CAN DISCONTINUE YOUR POLICY IN THE NEXT MONTH. I GAVE INSTRUCTIONS ON ICICI HELP LINE PHONE NO TO DISCONTINUE THE POLICY (THE DATE I CANT REMEMBER) BUT THEY DEDUCTED THE PREMIUM IN THE NEXT 3 MONTHS I ALSO PAID THESE PREMIMUMS BUT WHEN I WITH CONFIRMATION DISCONTINUED THE POLICY THE DISCONTINUED IT AND CHARGED ME RE- 3000- MORE IN MY CREDIT CARD STATEMENT I CANT UNDERSTAND WHY THEY DIDNT OBEY MY ORDERS ON PHONE MY POLICY NO IS 4034/FPP/03434414/00/00/000 WHICH EXPIRES ON 25TH MARCH 2009

i got sms on my mobile # [protected]. that u tried to deliver the cosignment but i was not available.. i called on ur phone #but nobody pick up ... plz tell me wat is going on ...

ICICI Bank is such a cheat that despite making a full and final settlement towards Credit Card they have failed to issue me a settlement letter and when questioned they said that I need to give a security check of some charges to the amount of 2500 Rs as a proof and post that they will issue me a settlement letter and that it was just a security check and that the amount will not be withdrawn from my account. But this amount was withdrawn from my Citibank account. And they keep sending me statements despite numerous calls and e-mails to them. When I made the full and final settlement I also cut up my credit card and gave it back to the collection agent.

And now they have withdrawn a huge amount of over 26, 000 Rs from my savings bank account with ICICI under pretext of Credit Crad charges (Don't know what as I do not even have their Credit card). I am also trying to lodge a complaint against ICICI at the RBI website where there is an option of lodging complaints against bank, but the complaint form link does not seem to be working right now. Is there any way you can help here.

Regards,

Seema

Complaint of wrong procedures adopted by ICICI Bank No Transparency of Interest Calculation.

On 14th oct. I had submitted arequest to close my NRO FD no[protected] which was opened on 26/5/2007 & was automatically renewed on 26/5/2008. The FD was closed on 16/10/2008.As such the period of FD was 365+143 = 508 Days.

On renewal on 26/5/2008 the amount in deposit was Rs5, 44, 875/- on 26/5/2009 I had to get a maturity value of Rs 5, 89, 790/- that means an Interest of Rs 44, 915/- less TDS. for 365 days.

In this regard I was surprised to note that for 143 days only Rs 7685/- has been credited to my account.

On my other FDR no[protected] for Rs 5000/- opened on 28/6/2008 where I was to get an Interest of Rs 412/- for 365days, I have been paid only Rs 54/- for 100 days

There is one another case of FDR no.[protected]. As the funds were short in my account & there had been a delay in getting money, I submitted a request by internet banking to close said FD of Rs 1, 75, 000/- opened in Feb, 2008. The amount balance in a/c was more than Rs 1, 80, 000/- & maturity value was more than Rs 1, 89, 000/- on maturity.

Meantime the amount expected was credited in the account & I wanted to cancel the request. There was no provision of cancelling the request in the Netbanking. Hence I had no alternative but to send the e-mail facility provided in the account.

Next day on checking the account & my e-mail. There was no e-mail reference. The FD was closed & Rs 1, 78, 000/- was credited to my account. Only Rs 3000/ as interest for more than 200 days of deposit, whereas more than Rs 14000/- was to be paid for 365 days. Prompt action taken to close FD but no action on e-mail sent. Because it is in the interest of Bank.

Banking system should have transparent system to tell its customer how much loss will be there if FD is closed prematurely.

It clearly indicates that procedure adopted by you for Interest calculation is wrong somewhere. Hence I subitmtted my request to the bank to calculate the Interest properly & pay the credit the correct amount in my account for all the three said FDRs with details.

Meanwhile I want the forum to note that how ICICI Bank cheats its customers. Help me to get proper Interest. I have personal interest but if the procedures become transparent & shorcomings of the systems are removed it will help everybody & all persons will have faith in Banking procedures. Else Banks will go on cheating its customers.