ICICI Bank Complaints & Reviews

Facts

In June 2008 I applied for a Home Loan and was granted and disbursed a loan of INR 30 Lakh for which I am paying the instalments from 1 July 2008.

During the processing of home loan the representative, Mr Shashank asked me to sign several agreements. Later an ICICI lombard Insurance executive came to my house with Mr Shashank asking me to sign the ECS authorisation which I politely declined since my loan grant letter mentioned that I am given a complementary insurance cover with the home loan.

The executive from ICICI lombard did his best to sell the product stating it would cover critical illnesses but I was sure that I did not want to pay for a policy that I did not believe would suit my needs and situation.

After that he called me several times but I kept refusing to accept it and never authorised him to process the extra insurance cover for my home loan.


Issue

On 1 August 2008, I received a loan disbursement letter for INR 96000.

I called customer service to explain that I had never requested it and I was advised that it was a top up loan which was disbursed and EMI of INR 1085 would commence from August 08. I distinctly remember not requesting any insurance policy or agreeing to pay for it.

I have only authorised payment of EMI for my home loan of INR 32 Lakh and any amount debited from my Standard chartered account will be unauthorised and hence fraudulent.

Name of the agency and executive

Contact numbers of agency and executive Mr Shashank
Location of the agency Green Park ICICI branch
Date of Birth 5th June of 1976
Communication address with PIN code H.No. 230, Sector-7, R.K. Puram, New Delhi - 110022
Total Disputed loan amount INR 96000
Date of documents submitted:  Did not submit any request to disburse this loan

Dear Sir,
I am Sidda Vinod Kumar, I have ICICI Credit Card, but i paid full amount on that card.But its showing Overdue, Please check once, and then remove.

Please reply me,




Thanks & Regards,
SIDDA VINOD KUMAR,
[protected].

I am employee of ICICI Bank and has taken personal loan at subsidized rate of 2.5%.
As per the loan agreement if an employee leaves the organisation before completing 3 years of his services he has to pay the interest @ 8% instead of 2.5%.
I have joined the bank on 07 Nov 2005,
Resigned from the bank on 29 July 2008,
Last working date 10 Sept 2008 (i.e before completion of 3yrs).
Now there is a change in the HR policy which states that instead of 8% penal rate of interest the rate will be 15%, which will be applicable to all the employees who ahs resigned after 14th July 2008 while the loan agreement says penal rate of interest will be 8%.
Now, my last working date is approaching and they are asking me to pay the difference of interest retrospectively @ 15% which is not legal & logical.
The bank is thinking of making profit from each source, whether it is legal or illegal.

Hi,

I have paid all my due charges on any bank always on time. In Jan'08, I did not receive my bill on time and hence paid the ICICI credit card amount after due date. Since then, I never received any phone calls or e-mails from ICICI bank regarding late fee they applied on my account. I was not in India for next 6 months however my phone was still active. I never received any hard copy of the statement and I didnt expect it too because I had paid all their charges.

In July, when I came back I received their statement asking me to submit around Rs 3000 or they threaten me to forward my details to Credit Information Bureaus. I called them up to resolve this however they never followed up with me despite me regularly calling them. Just before submitting this, I called ICICI again however they never let me speak to the right person and said that I have to pay this amount. I never spent a single penny on my ICICI credit card from this 3000 Rs that they are charging me. Infact I never used my card since Jan'08. Please look into this.

Thanks and Regards,
Vikas Malhotra
[protected]

Hi,
My Name is vishal Agrawat i have sellaried account and i have credit card also of ICICI.

I have recharge my mobile using my credit card of 393 RS on 8 day's ago. But after 2 days of that transaction when my mobile not refiled than i have mailed them they told me please let us know after 5 day's we will credit your money to your account if your mobile didn't refile. After 5 day's when my mobile didn't refile i have mailed to ICICI again they mailed me today(After 3 Day's):
"Dear Customer,

As per the revert of the service request SR77436903 the payment has been processed successfully for PREPAID MOBILE RECHARGE on 21/08/2008 for the amount Rs 393.00. On the receipt of this request we have escalated this matter with the biller."

When i try to track this service request using my ICICI Internet banking Account this show me there is no open or closed request please enter correct Service request number.

I am smelling that ICICI trying to cheat me. I have also called ICICI customer care 5 to 6 times but after all verification the answer i got "Our all Customer care Executive are busy to handle other customers please call us after some time."

I didn't understand what should do now can i go to the Consumer court and file case?

Thanks

From: Parmanand
To: Meghana kaji
Sent: Tuesday, April 01, 2008 2:08 PM
Subject: Re: ICICI Bank Credit Card


Hi Meghana,

The Credit Card was closed as per my requests via email in July & August 04 months, The amount Rs 9500 which was not fair but offered by ICICI Bank to settle my AC.
The Payment made has been made by me and receipt no has been told to you during telecom which I had with you on 14 march 08.

These two receipts are very important and critical now because ICICI Bank services already made my life miserable. Some points which remember I would like to highlight you once again mentioned as under:-

1. unauthorized charges without any prealert charge debited on my credit card.

2. Auto Debit charges, bounce charges, late payment charges, interest charges added every month without my information.

3. Late receipts of statement inspite of regular follow-ups and requests.

4. Principle amount doubled by bank just after three months. Raf Actual purchasing vs payments made. I have paid more then principle amount till Dec 2005. When I requested to close the Credit Card collection agents started threatening me.

6. Rs 25348 deducted from my AC without my information and Cheques issued got bounced and all my supplier started threatening me and my children school life also got mess.

8. When I asked / enquired for the same The ICICI Bank dispatched first letter at my home and office address Letter no 144442 which was of back date but posted on 24.03.08 so as to safe guard Bank. These type of act has been repeated several time and I have several evidences for the same. The voice has been recorded by me which I will share you whenever I will meet you.

My request to release the Rs 25348 was not considered.

My request for the details of purchasing made by me from my credit card ac and all the payment receipts by ICICI Bank against my CC but not considered.

Record of the actual purchasing and payment made must be with ICICI bank, I requested ICICI BANK for these same details in 2004 but ICICI bank failed to submit the same to me. Once again I request you please please return my fund back to me.

Please note that ICICI Bank doesn't care about there customer and has no intensions to serve them.
Thanks for your support extended to me at all the time.

Regards
Parmanand

Dear Sir,

Kindly look my complet matter of communication that I have copied here and pls do the needful.

-----Original Message-----
From: Money Matters ([protected]@yahoo.co.in)
Date: Tuesday, August 12, 2008 04:39 AM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: mis-selling card prectise and fake promised by credit card dep. Dear Sir, I requested online out of the blinking option of my saving a/c menu and filled request form then some one called me and asked my documents that they will send someone to collect and the same thing happened. Now for getting personal sales target benifit executive may have show this under different categry but you check that I applied online - then recive call from other station- some one came to collect my doc.- I recived my credit card. If I might not applied from my saving a/c then them might have asked my income proff but it has not been asked so pls check it properly that I have applied as per told system and the telle caller and surat officer Mr. Dharmesh do promised me for Rs. 250 cash back and now if you change with your words, I think it is not ethical. If still you can not trust the client then I am really sorry I would not like to continue any relation with credit card dep. and will return as an when you say. Regards, Manoj Hetamsaira(Ph No.[protected]/[protected]
Minds are like parachutes, They only function when they are open!

--- On Mon, 11/8/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:

From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' mis-selling card prectise and fake promised by credit card dep.
To: "[protected]@yahoo.co.in" <[protected]@yahoo.co.in>
Date: Monday, 11 August, 2008, 7:59 PM

Dear Sir, For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com We inform you that the offer of cash back of Rs.250.00 was eligible for the customer who had applied online. As you have not applied online, due to which you have not received the cash back of Rs.250.00 For further assistance you may call our 24 hours customer care.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, Abdul KhaliqCustomer Service OfficerICICI Bank Limited Now get your credit card statements whenever you feel like, simply visit the cards section on www.icicibank.com and click on Personal Banking>Cards>View credit card e-statement. This facility will not be available for Add-on Card holders and ICICI Bank Amex Card holders. Stay connected for communication by updating your contact details through "Forms Center" at www.icicibank.com 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 e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.-----Original Message-----
From: Money Matters ([protected]@yahoo.co.in)
Date: Saturday, August 09, 2008 08:17 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: mis-selling card prectise and fake promised by credit card dep. To, ICICI Bank - Credit Card dep. Dear Sir, Sub. - Not given scheme benefits that committed during sale of card. Ref. Credit card no. [protected] I here like to complaint you for my credit card that I purchased with your bank recently and has been sold me on the bases of only transactions and credibility of my ICICI saving A/c No.[protected]. At the time of selling card it has been told by your telecaller and was also fleshing in online saving a/c menu the offer of Rs 250 cash back on first Rs. 500 purchase and told by your Representative that it will get credited Rs 250 into your a/c as soon as your card will get active and then you can do shopping but it is not like that and now saying that we are not aware of such scheme and is not in your card. You do can check that on which income bases card issued to me and If it happens with such a big company and bank where I have 5 family a/c and all together today balance of more then 9 lakh Rs. If this will be the practise then who will trust the words of bank officers. You also understand that Rs. 250 is just a peanut but it is question of ethics and promise. Pls do the needful.

Regards,

Manoj Hetamsaria(Ph No.[protected]/[protected]
Minds are like parachutes, They only function when they are open!

Hi,

My ICICI Bank Account is debited with Rs.56 with description as Sign verification Charges.
when contacted with Customer Care, ICICI Bank officer said that these charges were charged from Chinchwad branch for loan application sign verification, Even though i have not applied for any loan with this Bank.
ICICI is doing this kind of Business with huge number of Customer base.
Just Imagine am one of such person with only Rs.56, but when this is done for as many lakhs then they are blinding earning 56 lakhs and showing profits.

This is my compliant against ICICI Bank Saving Account Department.
This bank should be penalised for this.

Regards
Sachin.

i applied for the joint account at the dehradun branch
on 25 july 08
but till now it has not been done joint
i was told it will be done with in 15 days but now abt one month has gone.when i called i was told that papers has been sent to mumbai for action but no action has been taken till now
when i called the branch again i was told that it hs not been done and it would be better to apply again when i told miss sweta that i m under transfer then
Misss sweta of that branch told me that i can apply at any of the branch of icici at any place .in shimla when i visited the branch i was told it cant be done from this branch and i will have to apply from the branch where i have opened the account.
i am going to mumbai and my wifew will be living at thee native place and due to the delay and negligence of the branch i wont be able to provide money to my wife if they would have done all in time i wld have been able to provide my wife the atm card so that in need she can use the money she required.
i request u to pls do the necessary possible .i have already lodged the complaint with the customer care of icici nunber is 76379718.

sir

Please find courier details. i give details from ICICI bank
My Track your Service Request
SR Number SR74971886
Your Request INTERNET MOBILE BANKING
Current Status Closed
Created On 02-Aug-2008
On Due On 04-Aug-2008

Note Internet Banking Password has been dispatched to your address on 04-Aug-2008 through EXPRESS IT courier vide AWB no [protected]. You will receive it in 7 working days

but till date i didnt recive . i already enquired around my compound they are not recive. so please find who signed to take my courier.

my contact no is [protected]

To
Customer Care Dept,
ICICI Bank.
Dear Sir,
Re: ICICI Credit Card No.[protected].
--------
I received your credit card statement dated 17.6.08 and paid the amount due of Rs.6, 481.60 vide ICICI Bank, Tallakulam Branch cheque No.759573 dt 20.6.08. But you have charged Rs.112-36
towards fee levied for cash payment.

I received the next statement dated17.7.08 and paid the amount due of Rs.2, 795-80 (including the above charge of Rs.112-36) vide ICICI Bank, Tallakulam Branch cheque No.761505 dated 26.7.08. This time also you have charged Rs.112-36 towards fee levied for cash payment.

I wish to inform you that both the occasions, I have paid the amount through cheque. Hence, I request you to kindly credit the above amount in my credit card account at your earliest and oblige. Kindly acknowledge receipt of this complaint.

Thanking you,

Yours faithfully,
P.SV.Pethaperumal

ICICI Bank has offered a pre approved loan of Rs. 150000/-. I was in need so accepted the same. The promised EMI was Rs. 7419/- by the bank, but now they are charging Rs.7681.92/-.In which they service tax is added but they always communicated that my EMI 7419 is inclusive of everything. They never mentioned about the service tax over EMI. I've informed the same to bank on 4th of July'2007 first followed by 4 more reminders. Finally when i told them to go to court they reverted that my complain is not genuine on 29th' July' 2007. From that date bank has given me 119 reminders for the payment and everytime i had requested them to sort out the same issue but no action has been taken. ICICI Bank with such a big brand name has tortured me mentally. I'm looking for justice. Kindly look into the matter and do the needful.

sir, i m customer of icici bank personal loan. i had taken loan from bank Feb 08 and my loan. and i paid only 2 emi's after that i lose my job. and i can't to pay any emi's and yet i m also not paying any emi's. its only my request to bank pls give me some time. whenever i got new job after then i'll pay again all the emi's to bank.

I have a ICICI Credit CArd,
The ICICI ppl called me everyday and they
had asked me to take some health card...
I never accepted such offers...
Now, I could see that 24000 rs was billed in my credit card account for
a ICICI health Card...
They are asking me to pay 1, 225 EMi for 24 months now...
They are talking very rudely over the phone...
I never accepted such cards...
They said it will be charged from October 2008,
Please suggest how to cancel it and how to
take legal action against such frauds?

I was working with Icici bank ltd. nashik branch (offroll) (on roll company name; Team HR Services Limited (better known under the brand name team4u) ), I have resigned the company on[protected]. I have sent my PF withdrawal form at Delhi PF office on 18th Feb, 2008 with Docket cum POD No.[protected].( Airex Logistics}. Till now I don’t have any update/status on this.Kindly let me know the status of my PF account.
Details as follows ;
FULL NAME : NITIN SURESH GOYAL
DATE OF JOINING : 9 SEPT 2005
DATE OF LEAVING : 7 JULY 2007
team4u EMP ID : 24112
DESI. & DEPT, : CPA, Farm Equipment (TRACTOR DIV}, RMAG, ICICI BANK LTD NASHIK
PF NO. : DL / 32000 / 5568

regards
nitin goyal,
nashik.ms

I have opened a saving and a demat account 2 years back in ICICI Bank, Sec-8, Rohini, Delhi.My acount no is[protected] and name is Rohit Gogia. At that time the minimum balance that should be maintained in saving account was Rs.5000 but now they have increased this amount to Rs.10000 .I am a student, how can I maintain min balance of Rs 10000.They should have changed this and applied this rule to the new accounts, but they do not have the authority to change the limit of previous account.I want some action to be taken against them.I am moving to consumer court also.I wil sue them for sure. kindly help me if possible.

I am having an account in ICICI, Bhilai branch No.[protected] and wanted to transfer in Secunderabad branch as I have left Bhilai and stationed in secundrabad, I have submitted an application along with my cheque book etc to ICICI bank, Secunderabad branch on 11.08.08. It has almost 2 weeks over neither I have got any information nor cheque book so far. Pl get examined and expedite an immediate action for transfer and activation so that I would be able to operate my account.

K.A.Rao,
A/C No.[protected]

DEAR SIR,

MY ICICI BANK TRANSACTION PASSWORD HAS BEEN LOCKED ON JUNE 6 AND I HAD RAISED A COMLAINT TO RESET MY PASSWORD AND THEY SAID THAT THAY RAISED A COMPLAINT AND IT WILL BE SENT TO MY COMMUNICATION ADDRESS IN 8 WORKING DAYS, ANMD TILL NOW NEARLY (65 DAYS) IT IS NOT RECEIVED TO ME.IM CONTINOSLY CALLING TO THE CUSTOMER CARE AND THEY ARE NOT LOOKING INTO THIS ISSUE.IT IS VERY IMPORTANT TO ME TO TRANSFER THE MONEY ONLINE.PLEASE KINDLY GO THROUGH THIS ISSUE.


ACCONT NO:[protected]
ACCOUNT TAKEN AT GUNTUR(AP)

Dear sir,

REG: CREDIT CARD NO.[protected]

I have been using ur credit card for the last one decade and makes payment of card amount on or before due dates. I have never been defaulter. I have purchased two airline tickets from Pune of Kingfisher for Rs.11, 100/-. As I was away from the town, I could not make payment of your bill dated 21.06.2008, the last date of whch was 09.07.2008. However, I have cleared dues on 19.07.2008. Now I have received ur statement dated 22.07.2008 demanding for Rs.1140/- being late payment panelty and interest also. As I am regularly using ur card and has never been defaulted, I request u to pls not to charge late payment panelty. I am ready to pay interest charges and service tax. Please confirm immediately.

Regards

Atul Vyas
CREDIT CARD NO.[protected]

Hi
I am a really unfortunate customer of ICICI Direct whose account was frozen after the floods destroyed the documents in Mumbai.

My account was frozen in July 2007 and submitted the relevent documents in the Howrah Branch in October 2008.I was assured that all the documents were proper and I was told that the account would be activated .Howver it was not done.

I wrote to both Helpdesk (sic !) and the Escalations email id.
I was fortunate to get a response from the Escalations email id asking me to submit a banker's verification letter.

I submitted the same and duly got a acknowledgement of the same and was told that that it was being processed.

Howver I went to the howrah bank in August ; and was told that the documents have been returned . I was not told of it by the escalations and have been told the very standard response of "We are looking into it.Will get back to you soon."

Meanwhile I have ost over 2 lakhs as the account was frozen from July 2007 and I cannot so anything to prevent the shares from sliding deeper into red .

I have even visited temples praying to God for divine intervention and words cannot describe the pain I suffer for no fault of mine.

Please can someone help me ?

My email id is [protected]@gmail.com

Regards
Partha