ICICI Bank Complaints & Reviews

Dear Sir,

I the undersigned is the credit card holder
(No. [protected]) of ICICI bank.I raised the dispute for the below mentiond transactions;which myself never made as well not authorised to anyone.

DETAILS OF TRANSACTIONS:-

1. Amount Rs.5235.20/- for AIR DECCAN on 28th April, 2008.
2 Amount Rs.5235.20/- for AIR DECCAN on 28th April, 2008.
3 Amount Rs.5235.20/- for AIR DECCAN on 28th April, 2008.
4 Amount Rs.10, 470.40/- for AIR DECCAN on 28th April, 2008.

I also want to raise the dispute for the transactions mentioned below;same is not yet billed to my credit card, but very soon same will likely to bill on my credit card ...since i have received SMS for those transactions.

DETAILS O[censored]NBILLED TRANSACTIONS :-

1. Amount Rs.6000/- for BHARTI CELLULAR on 29th April, 2008.
2.Amount Rs.15000.00/- for BHARTI CELLULAR on 29th April, 2008.
Hence request you to resolve the dispute of above mentioned transactions at earliest & inform me on my cell no.[protected] as well as on my e-mail ID's destiny.[protected]@gmail.com & [protected]@rediffmail.com.
Thanking you,

Regards,

SACHIN K.DANDARE

Sir,

I am having S/A in ICICI bank in Madhapur Branch, Hyderabad. I lost my Debit card on Aug 18th2007. unfortunately i have not noticed that i have lost the card. After 1 week i noticed that i lost my card. I checked my account and found that 82thousand rupees was missing. i immediately called customer card and asked to block the card and told i dont want the card to be activated again. i have given written complaint in Madhapur branch. There i came to know that my mobile alerts number has also got changed. So i have not got any mobile alerts when the culprit was doing transaction. All the amount was drawn from ATMS only. He had not done any purchases. for doing the ATM transactions, PIN is required. the culprit has generated the PIN be calling the Customer care. I am not aware till then that for a card we can generate the PIN by calling Customer care. Bank people told me that the culprit has attempted four timer calling CC. How can a person can generate the PIN by simply calling customer care?

Next week again when i checked my balance i found that 75thousand more is missing from my account. This is really hectic for me. A person will really make suicide for the ICICI banks irresponsible behaviour. when i went to bank they told that the card got activated and the PIN was generated again. Whats this? The bank has not protected my personal details before informing my lost card. After informing in written also the bank had not taken proper care to protect my account.

Again third time the culprit tried to activate my card. But as i have put a request for new card, the CC rejected the call. How dare the culprit is? But still the bank had not tried to trace the phone number and catch him.

The culprit is a person closely related with the BANK Transactions. He is fully aware of all the banks transactions and procedures. An ordinary man will not dare to do this.

Sir, I request you to pay back my amount I lost from the Bank due to irresponsible behaviour towards protecting customer sensitive data.

For generation of PIN for a card, the card holder have to visit the branch or call CC and the PIN will be delivered by post to the card holder. But, what the hell it is with ICICI Bank. Any one can generate the PIN by calling CC. Is this the right way? How many are aware that any one can generate pin BY CALLING CC?

When I called CC to block the card and told that I lost the amount, they havent completely cancelled the card. Why?

due to a bad health condition i had, i defaulted on my credit card. after which i repaid the amount in installments and got the settlement. but my name was not removed from the defaulters list, due to which i am not able to get any personal loans from any bank... kindly take neccesary action to help me...

My ICICI Direct account has been deactivated since more than two - three months. I had submitted my PAN details when creating the account, yet they asked me for my PAN details again. I told them that I shall submit the issuing letter and my tax returns as proof of PAN, but they said they require PAN card copy. I did not have that at that time and I had to apply for the PAN Card.

Now I have submitted my PAN details and since more than a 7-8 business days there is now update to my account. I'm loosing money because of the apathy of the ICICI Direct people.

Think twice before you use Bill payment services from ICICI Bank.I am a ICICI bank customer for many years and have been using Bill payment services.Bills were not submitted in time and also when I made the bill payments, they were not sent to service providers in time.Because of that, my LIC policy lapsed and I ended up paying penalty. Also the bill payments I made to the bank is lost.I am asking the bank for proof of payment to LIC or repayment.Bank is not willing to do both.

The response from customer service team is pathetic.They hardly response, give false committments and then they never get back to you.

Let me know if you faced similar issues on bill payment services.The bank should stop bill payment services if you they can't provide reliable and quality services.I plan to write to the head of bill payment services to let him know the issues.

But beware, never use Bill payment services from ICICI bank.You will lose your money and end up payimg penalty to the service providers, thanks to GREAT service from ICICI bank

Hi,
My Debit Card was lost on 8th March 2008 and although i blocked the card within 7 hours, transactions of ~ 15, 000/- were done on the card. As per Customer Care advice, i got a FIR Lodged, and sent a Fraudulent Transactions request to ICICI [by Registered Post] on 12th March. They told me to check back on 7th April.

On 8th April 2008, the CusCare lady [Radhika] informed me that money will not be reverted. I lodged a Service Request with them asking for
- Copy of the transaction slips which were honoured without my Signatures.
- Call back from debit recon team
- A Copy of investigation carried out by ICICI.

Mr. Mahesh Shukla [ Customer Care - Mumbai] promised me a callback from the concerned person in Debit Card Team [ Mr. Mahesh Tambe] but i have not received any call OR an assurance that the slips will be sent to me Or a copy of the investigation report.
In fact, another person called me back and said that the investigation is not yet over and that the Customer care person gave me the wrong information!!

If the readers of this complaint OR the website administrator can guide me on what i should prepare with for a long battle, it is highly appreciated. The banks are literally taking customers for a ride. I have already spoken to the Ombudsman but he has told me that the mandatory period of 30 days should have expired before i can approach them.
Thanks for any advice. Much appreciated.

- Atul.
[protected]@yahoo.com
The bank also refused to gimme details of where the transactions were done!

I HAVE AN ACCOUNT IN ABOVE SAID BANK.I HAVE PAID PERSONAL LOAN THROUGH ECS, WHICH IS GO 5TH OF DAY IN EVERY MONTH.I HAVE MADE A REQUEST TO STOP THE ECS ON 3 APRIL 2008.THE BANK EXCUTIVE MISS.ASIMA TAKING MY REQUEST IN BANK FORM.AND RECEIVING GAVE SAME TO ME BUT MY ECS HAS GONE .BANK EXCUTIVE COULD TELL HOW IT WAS DONE.
HELP ME

Sir,

I am using ICICI bank credit card last 4 years. In this reason company is given one offer to me loan Rs 5, 00, 000/- (Five lakhs only) at the rate of interest 14.99% per annum for 4 years period and service tax applicable.

I have requested loan amount Rs 4, 00, 000 (four lakhs only). But company is sanctioned and given two separate accounts.

1. One loan account Rs 50, 000/- at the rate of interest 14.99% per annum for 4 years on blocking the credit limit on credit card.

2. Second loan account Rs 3, 50, 000 at the rate of interest 14.99% per annum for 4 years, separate loan account with out blocking the credit limit.

ICICI bank is divided separately two accounts with out my permission and sanctioned loan, and also I want make one point that bank people are promised to me make we will make in to one single account while giving second loan.

After loan disbursing finished bank is saying that now in not possible.

My problem is that I have two-deposit two separate cheques every month up to 4 years period; this will create for my self very inconvenient.

Please help in this regard

Thanks & regards
Ramesh Kovirineni

Imagine having an identity crisis. Imagine telling people to address you by your full name (first and last name atleast) and not by your last name only. Imagine a bank like icici addressing a letter to a "Mr. Kumar" instead of "Mr. Jayant Kumar". And imagine gathering reward points for 2 years and then the icici guys misdeliver the gift to some one else. That's what happened with me.

Last month, i saw the option of redeeming the reward points as "Big Baazar gift vouchers" and opted for it. I ordered gift vouchers worth 1600 points. I suppose it might amount to around 1000/- INR.

When i did not get any response in 10 days time, i had the notion that again "Big Baazar Vouchers" might be out of stock and so i again mailed them. Their response was like - the voucher has been dispatched on 31st march and received in my office on 2st april. And today was 12th. I got the office address confirmed from the icici guys and asked for the airway bill no. I was given the blue dart airway bill no and i contacted them. The delivery boy came over next day and handed me the receiving of the package. There was only 1 stamp of my office on the receiving and the name in front of it was "Mr. Kumar".

I was like "WT[censored]". How could my name be "Mr. kumar". There are so many "Mr. Kumars'" - similar to so many "Mr. Patels'", Mr. Shahs'", "Mr. Agarwals'", "Mr. Jains'"... How could you address a person by his last name only. Well, i contacted both Blue dart and icici to get clarification on my identity change. Then i got a call from the icici bank call center in chennai and some "Mr C.V.N.Bhoopal" called me up and told me that.
1. the packet was delivered to me at my office with stamp.
2. The name on the packet was "Mr. Kumar" which is a part of my name. I had a heated discussion with him on this, but this person was extremely rude and adamant. I would also say that he might be having a very low IQ. Since he was unable to understand the fact that unlike telephone numbers - names are not unique. And by taking away the first name, he could be addressing someone else than the person he wished to address. (I still remember, I had two "ankit shah"'s in my school and the only way to differentiate them was using their roll numbers or physical appreances).
3. And if i have not yet got the package, i should get in touch with the mailing room in my office.
And then i told him that they changed the name on the package to "Mr. Kumar" and i am not "Mr. Kumar". I am "Mr. jayant kumar". At this point, he bought the blue dart office into conference and asked the lady smita, i believe to read the name. When she told the name was "Mr. Kumar", he again told that it might be due to space constraints, and before i could confirm the same from the lady, he disconnected the lady. And then this highly trained "Mr C.V.N.Bhoopal" started forcing me to listen to him. He would not listen to any reason or logic. All he would say is that "We delivered the package to your office with stamp. Now it is your duty to collect it." He would not listen to the fact that the package was not addressed to me. Maybe that is how icici trains their call center guys - so that they "do not" listen to logic and reason and are always "in your service".

That was the point when i went through all the links on different sites which would tell me how to take care of this situation. And after lots of reading i realized that.
1. ICICI wont listen to you. "Hum hai na..." means they would always be there - troubling you and reminding you that they are here. For them the client is nothing - cause they have so many - they dont care if a few go else where.
2. I came across cases where they have blocked bank accounts for some discrepency in credit card bills which was still to be resolved.
3. And cases where even after full payment of credit card, they entered the person's name as a defaulter - so that he could not avail further credit from any bank.
4. And ofcourse cases where rogues are sent to the peoples who have not paid "wrong" credit card bills.
Just do a google on "icici credit card complaints" and you would see lots of such issues.
I dont know which "code of ethics" do these icici guys follow. I believe there is one "Make money - dont give a damn for humanity" - the same that most thieves follow.

I again contacted the blue dart person and asked if they have changed my name on the package for space constraints. And they told me that they are not allowed to do that. And then it struck me - why would delivery guys tamper with the name on the package. What would they get out of it? - nothing
And i got a mail from blue dart regarding this.
==================================

Dear Sir,

Thank you for writing to us.

The clarification on the name part has to be sought between "icici bank"
and "you".Bluedart has no role in making name changes/amendments.Please
speak with icici bank and clarify.

In case of any assistance feel free to write back to us.

With Regards
Sonal Srivastava
Sr. Executive - Customer Service
Blue Dart Express Ltd
centralized customer Service#[protected]


________________________________

From: Jayant Kumar [mailto:[protected]@gmail.com]
Sent: Saturday, April 19, 2008 1:02 PM
- Hide quoted text -
To: SONAL S /CS /DEL NRO/SR.EX
Subject: Re: non receipt of package


Hi Sonal,

the icici guys called me this morning and we had a telecon with the blue
dart personnel from where the package was sent(i think chennai).
The blue dart girl - i think smita said that they had changed the name
due to space constraints.

Please clarify the same. Icici bank refuses to accept that they have
changed my name from "jayant Kumar" to "Mr. Kumar"

Regards
Jayant
http://jayant7k.blogspot.com
===================================

And then "Mr. C.V.N.Bhoopal" forwarded me the "terms and conditions" document which stated that "They are not responsible for packages lost within office premices". Even if the package was wrongly addressed (i added that).

The moral of the story is that:

1. Dont trust banks. No matter how long and loyal have you been to them. They wont wait for a second in breaking your trust.
2. Never take loans and credit cards from the bank in which you have your savings account. So that in case of any confusion with credit bills and dues, your savings account is safe.
3. Dont expect anything from the government. The rbi does lay down some rules and regulations and also ensures that it is followed, but once you get entangled in them, it is a very long process. Avoid getting entangled unless you are in a bad situation.

I had 4 threads of mails to icici - 2 from my email account (a general thread and a level 3 complaint thread) and another 2 from icici's email account. And here is both of them. You would see that they try their best "Not" to admit their mistake and repeat themselves - sticking to their "terms and conditions". I have cleaned up all the junk that they send below their mails.

And the best part was, i got a call from icici regarding "Why i want to cancel my credit card?". When i told them that i was unsatisfied by their service, the call center guy asks me "What happened sir? Can i be of any assistance?"(quite sympathetically).

=====================================================
Thread 1 : from gmail.com (level 3 complaint thread) - no reply received after 5 days also
=====================================================

Dear Ms. Yalala,

The gift has been delivered to my office, as i had written in my earlier mail also. But it was not addressed to me. It was addressed to "Mr Kumar" instead of "Mr Jayant Kumar" and was delivered to someone else in one of my 6 offices in noida.

How can a reputable bank like icici make a mistake in the name of a person? How can you put partial name on the letter and expect it to be delivered to the right person?

And after that i was shocked by the rude and adamant behaviour of the call center executive who called me. Instead of listening and solving the problem he was just trying to force himself on me.

Hence i have asked for the closure of my credit card which has been accepted via service request no sr63613321. I am supposed to get a confirmation on the cancellation by 29th April 08.

Regards
Jayant
- Hide quoted text -


On Tue, Apr 22, 2008 at 5:42 PM, Ernstandyoung <[protected]@icicibank.com> wrote:

Dear Mr. Kumar,

We understand your concern.

We have forwarded request to the department to check the status where the gift has been delivered.

We will write to you with the status within 5 working days.

We request you to co-operate with us to resolve the issue.


Sincerely,

Pallavi Yalala
Customer Service Manager
ICICI Bank Limited


-----Original Message-----
From: [protected]@icicibank.com ([protected]@icicibank.com)
Date: Saturday, April 19, 2008 02:58 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: level3complaint/ Credit Card


Name: Jayant Kumar
Product: Credit Card
Account No: XXXXXXXXXXXXXXXX
Application No:
E-mail address: [protected]@gmail.com
Mobile no: 98XXXXXXXX
Telephone no: +91--
Service Request(SR) No: SR28942580
Details of complaint: I had asked for big baazar gift vouchers (item code SR0301) in return of my 1600 points. On 12th, after about 10-12 days of putting the request, when i did not receive the vouchers, i raised a query regarding the same. After this, i was given the Blue Dart AirWay bill no 390XXXXXXXX and told that the voucher was received by my office on 2nd april 08.
When i contacted blue dart with this airway bill no, they gave me a receiving in which the package was sent to someone named "Mr Kumar". I confronted the blue dart guys regarding the change in name from "Jayant Kumar" to "Mr Kumar" and they told me that they have not changed the name. In fact they could not change the name on the package.

So, i wrote a mail to the bank regarding the wrong name on the package from the bank's side. And Mr C.V. N.Bhoopal from chennai called me. First of all he was adamant that the blue dart guys have changed the name on the package and then was totally uncooperative and rude.

My question is why would the blue dart guys change the name on the package. And it is difficult to track the package if it has been delivered to the wrong "Mr Kumar". There are 1500 person in noida spread among 6 offices. Out of which there are 35 "Mr Kumar".

Do you expect me to call all of them and ask for a letter which was addressed to them?

I hope to get a solution regarding this from you.

Regards
Jayant
--
http://jayant7k.blogspot.com

====================================
Thread 2: from icici's email account (Mr. C.V.N.Bhoopal)
====================================

Dear Mr. Kumar,

We had initiated a service request number SR63772671 for cancelation of your credit card account.

We request to wait for 7 days to know the status.

Sincerely,

C.V. N.Bhoopal,
Customer Service Manager,
ICICI Bank Limited.

-----Original Message-----
Date: Monday, April 21, 2008 08:39 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

I know that the name in your records is "jayant jagatbandhu kumar". But the package was not addressed to me. It was addressed to "Mr Kumar". I have confirmed this from my office's mailing room. It has been delivered to some "Mr Kumar" in another office. And the person might have used the vouchers by now.

Such type of irresponsible is not acceptable from icici bank.

And Mr. Bhoopal, that is not the way you talk to me or any other customer.

Please cancel my credit card. I do not wish to continue using your credit cards.

Another unsatisfied customer
Jayant Kumar

-----Reply Separator-------Dear Customer,

We wish to conform that, your name in our records is JAYANT JAGAT BANDHU KUMAR. We request you reconfirm your decision of cancelation of the card.

Sincerely,

C.V. N.Bhoopal,
Customer Service Manager,
ICICI Bank Limited.

-----Original Message-----
Date: Sunday, April 20, 2008 11:26 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

My name is not Mr Kumar. My name is Mr. Jayant Kumar. How can you change my name/identity like this.

Regards
Jayant

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

We clarify that Big Bazaar Vouchers item code SR0301 dispatched through Blue Dart courier Airway Bill Number:390XXXXXXXX on 31st march, 2008, has been collected on 2nd April 2008 at your office address

For faster resolution of your query, we tried to reach you on mobile 98XXXXXXXX, however you were not contactable.
Sincerely,

P, Gopala Krishna
Account Manager
ICICI Bank Limited

-----Original Message-----
Date: Saturday, April 12, 2008 11:40 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Credit Card

Hi,

I have put a request to get "Big Baazaar vouchers" for credit card points of 1600/-. The request has been put for almost 2 weeks. Yet, i have not received any vouchers till date.

Please let me know, by when would i be getting the vouchers.

Regards
Jayant

=====================================================
Thread 3: from icici email account
=====================================================

Dear Mr.Kumar,
We acknowledge receipt of your e-mail regarding your credit card account.
Please accept my sincere apologies.

We understand your concerns about the issue and regret the inconvenience caused.

We initiated Service Request sr63613321 for cancellation of your credit card.

You will get the status on April 29, 2008.

Looking forward your cooperation to serve the best service always.


Sincerely,

Veera Hanuman
Accounts Manager
ICICI Bank Limited

-----Original Message-----
Date: Sunday, April 20, 2008 09:13 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: Credit Card

Hi,

I am not accepting your apology cause you have not yet understood my problem.

I know that my name in your records is "Jayant Jagat Bandhu Kumar".

But the package was delivered to "Mr Kumar" instead of me.

I am highly unsatisfied with your service and un-understanding behaviour.

I would not be picking up your calls because your call center executives are rude, adamant and abusive.

So, i do not wish to continue using your credit cards. Please close/cancel my credit card no XXXX-XXXX-XXXX-XXXX.

Another unsatisfied customer.
Jayant

-----Reply Separator-------Dear customer,

We apologize for the inconvenience caused to you.

We confirm that your name in our records is JAYANT JAGAT BANDHU KUMAR and we inform you that the gift item redeemed was delivered at your office security desk.

We request you to contact your security desk for further assistance.

We wanted to speak with you on your mobile number 98XXXXXXXX to give you this information.

Sincerely,

Abhilash reddy
Account Manager
ICICI Bank Limited

-----Original Message-----
Subject: Credit Card

Hi,

I am highly unsatisfied by your call center personnel and their way of talking. They are rude and uncooperative.

First of all you change my name from "jayant kumar" to "kumar" so that my package is misdelivered. And then you deny taking any responsibility for it.

The Blue dart guys say that they have not changed the name. I have their receiving copy and i could see long names like "Dharampal Satyapal" on it. I think "jayant kumar" is shorter than that. And i dont think that a big company like blue dart would change the name/identity of the person just like that.

We have 1500 employees spread over 6 offices in noida. If the name has been changed, it could be with any "Mr Kumar" in any of the 6 offices in noida. It would be very difficult to track it.

I have not received the gift vouchers worth 1600/- points yet. Please deliver it to me or credit my 1600/- points back.

If you have not changed my name from "jayant kumar" to "kumar", can you give me some visual proof like photocopy of the package for it.

Regards
Jayant

=======================================
Thread 4 : from gmail.com (in response to terms and conditions)
=======================================

Dear Mr. Kumar,

For quicker resolution of your query, please write to us through the "Email us" option at www.icicibank.com

We have taken a request for cancellation of credit card.Your request number is sr63613321.

The status of this request will be intimated to you by April 29, 2008.

Sincerely,

Aashish Konkaney
Customer Service Manager
ICICI Bank Limited

-----Original Message-----
From: Jayant Kumar ([protected]@gmail.com)
- Hide quoted text -
Date: Monday, April 21, 2008 10:12 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: Terms and Conditations
- Hide quoted text -

Dear Mr. Aashish Konkaney

Please cancel my credit card.

Once you have trained your staff for appropriate behavior, you can get in touch with me for issuing a new credit card.

Please cancel my credit card at once.

-Jayant Kumar

On Mon, Apr 21, 2008 at 9:55 AM, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

Dear Mr. Kumar,

For quicker resolution of your query, please write to us through the "Email us" option at www.icicibank.com

We focus considerable effort on training our staff to ensure high levels of service and we shall further strengthen our initiatives in this direction based on your feedback. We earnestly hope that the negative experience you had will not come in the way of your availing our facility.

We request you to reconsider your decision for card cancellation.

Looking forward for your kind co-operation.
Sincerely,

Aashish Konkaney

Customer Service Manager

ICICI Bank Limited


-----Original Message-----
From: Jayant Kumar ([protected]@gmail.com)
Date: Sunday, April 20, 2008 09:29 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Cc: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Re: Terms and Conditations

Mr, Aqeel,

The question is: "Was the package addressed to me?" And the answer is no. The package that you delivered was not addressed to me. It was addressed to some "Mr. Kumar" and NOT to "Mr Jayant Jagat Bandhu Kumar".

Yes, you have delivered the package to my office security desk with stamp. But the package was not addressed to me, so i have not received it.

I do not wish to continue this conversation further. I know you would not accept your mistake.

Please cancel my credit card. I do not wish to continue using your credit cards.

Another unsatisfied customer
Jayant Kumar

On Sun, Apr 20, 2008 at 6:16 PM, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:


Dear Mr. Kumar,

We inform you that the gift item redeemed was delivered at your office security desk.

We request you to contact your security desk for further assistance.

We wanted to speak with you on your mobile number [protected] to give you this information.

For any further clarification, please contact us using the "Email Us" option on our website, www.icicibank.com.

Sincerely,

S M Aqueel
Customer Service Manager
ICICI Bank Limited


-----Original Message-----
From: Jayant Kumar ([protected]@gmail.com)
Date: Sunday, April 20, 2008 11:26 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: Re: Terms and Conditations

As for the "terms and conditions"

1. I waited for 10 days for the product to be delivered. I contacted you first on 14th.
2. Yes you could guarantee delivery upto the inward delivery desk only - but the package should have the right name on top of it.
3. I am not cancelling the order, my order still has not been delivered.
4. Please give me the proof that you have delivered the package. I think that it has not been 45 days since my request of the gift.
5. I have not received the package so i am not sure if the contents are damaged or not.

Regards
Jayant

On Sat, Apr 19, 2008 at 12:39 PM, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:


Dear Customer,

We request you check the attachment for terms and condition.

Regards,
C.V.N.Bhoopal
Customer Service Officer
ICICI Bank Limited

--
http://jayant7k.blogspot.com

I have applied for a personal loan from icici bank. Approved loan amount is Rs. 100000/- for 3 years and for this I have to give 36 cheques of amounted rs. 3604/-.
I have given these cheques to your sales executives and they told me the loan amount would be disbursed to me with in 5 or 6 days after cutting of processing fees. But I got this loan amount cheque amount rs. 95118 by DD no: 017887 dated 22/01/2008. but this amount was not committed to me.
So after receiving the cheque I have discuss this to you and you told me that your loan was approved for just Rs. 96000/- and for this you have to pay 3604/- per month EMI for 36 months.
But bank's sales executives told me that loan was approved for amounted rs. 100000/- and they have taken the cheques of rs. 3604/- for loan amount rs. 100000/- but actually EMI of rs. 3604/- is for loan amount rs. 96000/- I think there may be fraud / miss selling with me.
At ICICI Customer care, Mr. Vijay Bhasker told me that you loan was approved for amounted rs. 98000/-, for this I have to give 36 cheques of amount rs. 3504/-.

I had visited your sales office at ferozepur for complaint regarding this but they have not take my complaint letter and managers are also told them to not receive this letter.

now i have not disburse the loan amount but they started debited EMI of rs 3504/- from my account as my cheque was amounted rs 3604 but they manuplate the cheques and did my signature on cheque and make this amounted rs 3504 instued of 3604.

now no person is approachable, on customercare not any E mail id is helpful to me. i am not able to connect to the authorised personal who can solve my peroblem .


Pls do the needful

Yogi RAj

[protected]
[protected]
(Loan A/c No: LPFER[protected])

My home loan EMI is cleared through ECS from my S/B account holding branch of SBI on 7th day of every month. All through for four years this went perfect, but this month inspite of having sufficient fund in my account and my bank clearing the EMI through ECS on 7th day of the month as usual practice, I received a call from ICICI on 10th confirming that they have not received the amount of my EMI and to pay the same immediately.
Though I submitted my pass book xerox showing the details of the transaction in their kolkata office, they send me a copy of my home loan account statement showing the EMI amount has bounced on 9th day of the month and charging an amount as interest in the statement. Not only that, they deployed their agency people to call me up almost everyday at any hour and pressurising to pay my EMI. My bank SBI has confirmed me that an ECS payment is done through RBI and cannot be improper once it reflects in your account.
I wish to say that being a common man and also being prudent in every way, if I had to go through such mental agony and trauma, then what is the solution of this? Or, we common people are only there to be victimised by these fradulent sources and bow meekly in front of their muscle power.

I requested for a new card as my card was lost, bank deduced an amount for the same and i was intimated. when i didnt recieved the card even after 20 days of the amount deduction, i approached the branch and demanded an explaination. they did not come up with a proper reply and they requested me to wait for some more time( A week more). so i demanded another card so that i may withdraw the amount and use it, as this is my salary acoount, so they provided me with a new card, and again my amount was deducted without any intimation. why as a customer shall i be punished for any service issue from the banks side? why should i be penalised for a mistake that is to be owned by the bank. but i cant do anything. when i call the customer service then they do not provide me with any request number so that i may quote it to find an answer to this. how can a customer like me be saved from the ugly clutches of these institutions.

I walked in to the 'Hyderabad- Lakdipul' branch of icicidirect for opening the 3in1 account on 25-Jan-08 and till know i, e 25-Apr-08 the satus is
" Your application for opening an Idirect account has been rejected, Our Sales executive from HYDERABAD - REGION will get in touch with you for rectification of the application within 2 days".
No one has called me then i walked into the same branch and they asked me to fill in the second form, which is rejected again and no one has contacted me.

WHAT A BANK
" HUM HAI NA, PALKO PAR RAKHANGE, HUM HAI NA"
I have never see a customer who is habby about the service of the icici bank.

MR.kamat plz look inot such issues or else you may loose your customers .

Dear Sir,
I have take Rs. 200000 from ICICI Bank from jhansi(UP) in Feb'2005. i always deposit my EMI in my account regularly Befor six month there was a other Customer which is having same name as me had already been taken Rs. 200000 from ICICI Bank.
This person was not submitting his EMI on Time, therefore Bank officials of ICICI Bank had ring me several times by mistake.
Due to this confusion bank employees had collected Rs 3500
from my home with out checking the actual status of my record.
I had bothered very much due to this reason and i have informed to bank officials, i have given them the photo copie of receipt. of Rs. 3500 to them but i have not got the money so far. I want that an action should be taken against those employees who have done this mistake

Dear Sir,

I am having facility for direct online share trading at ICICIDIRECT.COM. Today suddenly their website has an problem and we are unable to log in to the site. Also their phone banking facility also has the same problem. Now, who will be responsible for losses which occured dut to error from ICICI?

Also, their phone banking officer do not care to even speak properly. They behave in very rude manners. It has been almost two hour ICICI online share trading has stopped and has created a great problem.

Dear Sir,

I am not saying that you have to revert the interest charges but you need to calculate the interest only on the outstanding as on 18-04-08. The outstanding amount is Rs.18481.16 as on 18-04-08. My concern is you have not charged for the outstanding of Rs.18481.16. If you calculate the interest for Rs.18481.16, the amount will be Rs.582.15 but you have charged triple the value.

"18/04/2008 Service...

Iam not a hardcore stock trader but only invest for taxation purposes. i had opened an icici direct acc in 2005 and totally forgot about it. I also issued a cheque which cleared in the same year. Now icici direct tells em that my form was submitted but due to some signature issues they did not process my form. i wasnt informed about this through any media of communication. now below is the email communication between me and icici direct.

Last mail sent to ICICI direct on April 24, 2008.

SORRY...but i guess you did not keeep up to your promise of not giving me an "unplesant experience". go down to the initial mail and you will see how efficient the work is. first mail dated in Jan 08 and it is almost end of april 08. till today my problem hasnt been resolved..i.e my account is not open. all the necessary documents and signatures have been given...but still it hasnt been done.
i guess now i have to find other options, to get the work done and also let people aware.

From: Helpdesk
To: venku
Sent: Thursday, February 28, 2008 3:30 PM
Subject: RE:'ICICICARE=[protected]' Activation of Account.

Dear Sir,
We are deeply concerned with the issues raised by you in your mail. We regret that our service could not live up to the expectation's.
We focus considerable effort on training our staff to ensure high levels of service and we shall further strengthen our initiatives in this direction based on your feedback.
We apologize, for the unpleasant experience and assure you that every effort is being made to ensure that such lapse's do not recur.
Further, we have made a note of your request for arranging an executive to assist you in completing the account opening formalities.The Service Reference number is SR5760xxxx. You would be receiving an e-mail confirming the status of the request on or before March 02, 2008.

Sincerely,
G L Damodar Prasad
Customer Service Officer
ICICI Bank Limited
-----Original Message-----
From: venku ([protected]@mtnl.net.in)
Date: Saturday, February 16, 2008 07:54 PM
To: Helpdesk ([protected]@icicidirect.com)
Subject: Re: RE: Activation of Account.

ok i guess my patience has been tested. Is there any body who thinks they are worthy of their job. If yes kindly reply back as to why no one has contacted me till date nor has any associate visited my residence with the new form as promised by Nayan Ganatra.
Vijay.

----- Original Message -----
From: venku
To: Helpdesk
Sent: Wednesday, February 06, 2008 1:34 PM
Subject: Re: RE:'ICICICARE=[protected]' Activation of Account.
Today is the 6th..(12 days have passed)..and may be the 4th reminder, no one from your end has called in for an appointment.
Kindly let me know, if you have changed your mind so i can consider other options.
Vijay

----- Original Message -----
From: venku
To: Helpdesk
Sent: Thursday, January 31, 2008 12:20 PM
Subject: Re: RE:'ICICICARE=[protected]' Activation of Account.

No body has called till date! same as before...slow laid back work.

----- Original Message -----
From: Helpdesk
To: venku
Sent: Friday, January 25, 2008 8:48 PM
Subject: RE:'ICICICARE=[protected]' Activation of Account.

Dear Mr. Krishnan,
As per our telephonic conversation dated January 25, 2008, we confirm that your application [protected] for opening 3 in 1 Account is not valid. However, we have taken you request for arranging the executive for opening the account with new application, wherein you need not pay the account opening charges of Rs.750/- once again. You may give the printout of your bank statement dated[protected] specifying the amount Rs.750 debited towards opening of 3 in 1 Account for reference.
Further, your request for arranging executive for opening the 3 in 1 Account has been registered. Your request number is SFA[protected] and you will be contacted by our executive within 2 working days to fix the appointment.

Sincerely,
Nayan Ganatra
Customer Service Officer
ICICI Bank Limited

-----Original Message-----
From: venku ([protected]@mtnl.net.in)
Date: Saturday, January 19, 2008 03:24 PM
To: Helpdesk ([protected]@icicidirect.com)
Subject: Re: RE: Activation of Account. Ref: SR51885260

Today is the 19th. I will still remain patient and get back to you tomorrow.
Treat this mail as a reminder.

thank you
Vijay Krishnan.

----- Original Message -----
From: Helpdesk
To: venku
Sent: Monday, January 14, 2008 11:08 AM
Subject: RE:'ICICICARE=[protected]' Activation of Account.

Dear Mr. Krishnan,
Your request for the ICICI Direct account status has been noted, you would be receiving an SMS confirming the status of the request SR51885260 on or before January 19, 2008.

Sincerely,
M. Bhaskar
Customer Service Officer
ICICI Bank Limited
-----Original Message-----
From: venku ([protected]@mtnl.net.in)
Date: Thursday, January 10, 2008 12:27 AM
To: Helpdesk ([protected]@icicidirect.com)
Subject: Re: RE: Activation of Account.

TO THE CONCERNED.
NO BODY AT YOUR END READ MY MAIL COMPLETELY. ( i guess we all get paid to do our JOBS!! that includes me!)
LET ME DO SOME SPOON FEEDING NOW.
DIRECTIONS TO READ THIS MAIL :

(a) SEE ATTACHMENT (its a must, so as to know my SB account number, cheque number, date of transaction etc)
(b) READ ALL WORDS IN RED BELOW (your reply to me)
(c) IF YOU STILL DID NOT GET IT READ MY INITIAL MAIL.
(d) IF YOU COME TO THIS POINT, ITS NOT YOUR FAULT.

OK agreed!! that Rs.750/- is "one time account opening charges", (sorry for asking it back in my previous mail), then please can anyone send me my account details, which i havent received in almost 1.5yrs ?. for that matter i havent received any correspondance for that so called account, that i guess does not exist, AGAIN, if it does please mail it across to me. i will be more than happy to use ICICI bank services that i have been using for the last 8 years now.
Vijay.

----- Original Message -----
From: Helpdesk
To: Vijay
Sent: Tuesday, January 08, 2008 10:27 PM
Subject: RE:'ICICICARE=[protected]' Activation of Account.

Dear Customer,
We are unable to revert to your query in the absence of your account details. Hence, we request you to provide these details to enable us to assist you further.

12 digit saving bank account number ( SEE ATTACHMENT) linked to demat and trading account (or) (NEVER RECEIVED ONE)

16 digit demat account number (or) (NEVER RECEIVED ONE)
user ID for trading account (or) (NEVER RECEIVED ONE)

10 digit trading account number (NEVER RECEIVED ONE)

We request you to provide any one of the above details for speedy resolution.

We would unable to refund Rs. 750 as these are one time non-refundable account opening charges. (ACCOUNT OPENING????? WHAT IS MY ACCOUNT NUMBER THEN ?) (KINDLY MAIL IT TO ME IF YOU HAVE ONE, AND LETS BOTH O[censored]S SAVE SOME TIME AND ENERGY)

Sincerely,
Rahul Mhalgi
Customer Service Officer
ICICI Bank Limited

-----Original Message-----
From: MTNL ([protected]@mtnl.net.in)
Date: Saturday, January 05, 2008 04:13 PM

To: [protected]@icicidirect.com ([protected]@icicidirect.com)

Cc: Vijay Gmail ([protected]@gmail.com)
Subject: Activation of Account.

To the concerned dept:
My name is Vijay Krishnan, and i had applied for an ICICI direct account through a bank agent who visited my house in May 2005.

Till today i havent received an activation code, to activate my account and iam not a full time Financial zombie. I invest in low risk investments that gives me tax exemption once a year. Hence it never struck me that i had applied for an ICICI direct account. Just when i was going through my statements i found the below mentioned transaction.

Find attached "icici direct.doc" my bank statement for the transaction on 31/05/2005 for Rs.750/- debited from my account for "ICICI web trade Ltd". Kindly send me across the account activation details or a Refund of the full amount of Rs.750/-.

Vijay Krishnan

Sir,
I want to complaint that i have given an application in ICICI BANK( GT ROAD BRANCH, PANIPAT) to close my savings account no.[protected] on 04th Aug2007 and submitted all related documents( Cheque Book, ATM card etc.). Bank personnel told me that she had closed my account. But now I have received Quarterly statement for same account showing my balance in negative.

I AM CREDIT CARD HOLDER OF YOUR BANK. TODAY I RECEIVED A SMS THAT RS.5490/- HAS BEEN DEBITED FROM MY ACCOUNT. BUT I HAVE NOT MADE ANY TRANSACTION OF RS.5490/-. PLEASE DO NOT DEBIT MY ACCOUNT AS I NEVER CONSENTED FOR ANY SCHEME WHATSOEVER. THE TELEPHONIC TALK OF DATE WAS INFORMATIVE IN NATURE AND I NEVER CONSENTED TO DEBIT MY ACCOUNT. I PLACE MY RESENTMENT IN THIS REGARD AND SUCH TYPE OF SALE GIMMICKS FROM CALL CENTRE PEOPLE REPORTEDLY FROM YOUR BANK WILL DEFINATELY JEOPARDISE THE IMAGE AND REPUTATION OF THE BANK AS EVEN THE PHONE BANKING OFFICER WAS HELPLESS TO SAY TILL THE AMOUNT IS BILLED IN MY ACCOUNT. PLEASE LOOK INTO THE MATTER AND CONFIRM THROUGH MAIL THAT YOU HAVE NOT DEBITED THE AFORESAID AMOUNT. ANY BANKER IN THE WORLD DO NOT HAVE ANY RIGHT TO DEBIT THE ACCOUNT OF ITS CUSTOMER WITHOUT ITS BONAFIDE MANDATE AND AUTHORITY

MALPRACTICES AND DEFICICIENCY IN SERVICES BY ICICI BANK LTD
Dear Sir,
1. I am an Army Officer having a Salary Savings A/C No[protected] and Demat A/C No IN[protected] with ICICI Bank and had applied for Car loan of Rs 3, 00, 000/- (Rupees Three Lakhs ) only through Gurdaspur (Punjab) Branch of Bank on 19 Feb 08 for purchase of Maruti Swift Vxi Model.
2. I opted for a Car loan from ICICI Bank at higher rate of interest than our Govt Dept/ Nationalized Bank since I was informed by the Bank through their website that I have a pre-approved car loan and further assured by the Gurdaspur Branch Manager that a hassle free loan would be handed over to me within seven days of my applying, which suited my requirement as I wanted to pick up that vehicle wihin seven days. The Bank has also been aggressively advertising through media about their high standard of customer care and efficient, hassle free, time bound processing of loan applications. Accordingly, I booked for the delivery of the Car which I intended to purchase.
3. However, the Bank took a period of well over a month to process the case and finally sanctioned the amount on 30 March 08, that too after repeated visits to the Bank as well as pursuing the case over telephone on daily basis with all concerned Bank officials. The Bank Officials kept me falsely assuring on daily basis that that loan amount would be handed over on next working day. A letter No 50299/Pers dated 29 Feb 08 on the subject was written by me to Gurdaspur Branch Manager. In response, the Branch Manager assured me in writing that the loan amount would be sanctioned within 24 hrs. After waiting for one more week, a complaint was e-mailed by me to Customer Care Officer through the Bank’s website on 08 March 08. In response, the Bank informed me through an e-mail that the loan documents would be processed within 48 hrs. Thereafter, on 13 March 08, the concerned Executive Officer from Amritsar Branch falsely telephonically informed me that the loan amount has already been sanctioned & dispatched, but the loan amount was finally sanctioned on 30 March only.
4. Further, while the interest had been calculated on Rs 3 Lakhs, the loan amount given was only approx Rs 2.90 Lakhs. The Bank had deducted one month EMI even before handing over the loan amount. The Bank had also taken an amount of Rs 9477/- on 08 March 08 for registration of vehicle, stating that that the registration of vehicle would be carried out by them.
5. The above caused a great amount of embarrassment, harassment, mental agony and financial loss to me as a Bank customer. May I therefore, request you to assist/advise me as to what actions I can take against the Bank for these malpractices so that other unsuspecting customers are made aware of and do not get victimised /harassed in future by the ICICI Bank.
6. Following is held with me as evidence in support of my complaint:-
(a) Letter written by me to Gurdaspur Branch Manager dated 29 Feb 08 and his reply thereto.
(b) E-complaint to Customer Care Officer dated 08 Mar 08 and his reply thereto.
(c) Records of mobile-tele-conversations on daily basis with under mentioned Bank officials:-
(i) Mr G S Bagga, Gurdaspur Branch Manager, Mob No [protected].
(ii) Mr Sanjeev, Exec Officer at Amritsar, Mob No [protected].
(iii) Mr Amit Kumar, Dealing Official at Amritsar, Mob No [protected].
(iv) Mr Hardip Singh, Dealing Official at Gurdaspur, Mob No [protected].


Yours sincerely
Lt Col A K Mor
Mob- [protected]
e-mail ID- [protected]@yahoo.co.in