ICICI Bank Complaints & Reviews

Thanks for handling consumer's queries against corporates in neat manner. Below, I've complaint against ICICI bank's ignorant and irresponsible customer service, which caused me to pay taxes twice:

On 21st July, I paid my taxes online through ICICI bank. While processing the transaction, ICICI bank shown me some error and mentioned on the page that if the transaction is made, the amount will be deposited back to my account. However, the amount is deducted from my account and transaction entry is visible in my account details. But due to error on the ICICI bank's site, I didnt get Challan receipt, counterfoil. As mentioned on the site (http://www.tin-nsdl.com/faqOLTASetax.asp#15), I sent several mails to [protected]@icicibank.com and requested them for duplicate Challan counterfoil. I also called ICICI bank customer service, several times, to know the Challan Identification Number (CIN) so that I can atleast file my IT returns by 31st July. I got different set of answers like: "The amount is debited and is reflecting in transaction and you will definitely receive your counterfoil in a day", "The tax is paid, you will get duplicate counterfoil if you mail to [protected]@icicibank.com" which I did several times, mail your query to "kala.[protected]@icicibank.com and megha.[protected]@icicihfc.com" and they will reply you with duplicate counterfoil. I didnt get any response even after mailing to kala.[protected]@icicibank.com and megha.[protected]@icicihfc.com. All I did till 31st is call, mail and then wait. Again, I called on 31st July, at around 1:50 pm and their representative Mr. Bhushan Indulkar told me that "the amount that I paid for taxes through ICICI bank will get credited back to my account after 5 working days ( The amount is not yet deposited to IT dept, so Challan number is not generated), so I can pay taxes online again and get new challan to file IT returns and gave me one service request number." I believed his words as even when I paid taxes, the transaction error mentioned that "Error in transaction: If amount is debited from your account, it will be credited back to your account." Earlier I was very much disappointed, stressed, and regretting on my decision to pay taxes through ICICI bank, but after speaking to Mr. Bhushan I got some relief and I again paid taxes online and got Challan counterfoil and filed my IT returns. In short, I've paid taxes twice, one on 21st july, 08 and other on 31st July, 08 (on Mr. Bhushan's advice) and was expecting to get one tax amount credited back to my account within 5 working days.
After more than 5 days i.e. today I checked my account for the amount and didnt find it. To investigate further, I called ICICI bank customer care and spoke to Mr. Ganesh Ghorpade to learn that ICICI bank will not credit the amount back to my account. According to them, the amount debited from my account on 21st July, is now credited to IT dept account (and same is for amount on 31st July) and now I'll have to run to IT dept to get my amount back. I was so surprised to know such irresponsible behavior of ICICI bank representatives. One said, the amount (on 21st July) will be credited back to my account as its not credited to IT dept and other says bank cann't credit the amount back as its already credited to IT Dept.

I'm very much disappointed with ICICI banks such pathetic, ignorant, and irresponsible service. I can provide you further details, if required. Kindly, see such things dont happen to others and people dont get disappointed with such pathetic service.

I got shocked when i was not able to withdraw money from ATM on 3rd sunday, I had 32, 000 in my account but when i saw the statement i had only 700 as effective amount.I called the cutomer care, they put me in hold for around 15 min and gave me a response that the application is down and cannot say the status and asked mw to call later.Then when i again called them they where not able to answer what happened to my money on 31st i got my salary credited i did not make any transaction or there was no tranaction detail, they were unable to answer me i asked them to connect to there team leader but they tranfered my call to loan department.
Again i called the cutomer care they said that there is some server problem and asked me to call on monday after 8pm.Icalled them on tuesday and went and visited the branch no one were able to answer what has happened then on Wednesda when i called them they said that there is a lean applied on my account since i did not pay the due for flexi cash account i was not informed abt the due or before leaning they did not inform me.
Soon i paid the due and made a request by calling the customer care to unlock my account.They said it will be done in 48hours.I waited for 2 days still my account was not unlocked.yesterday i again called the customercare and re raised the request, they asked me to wait for another day.Still today i did not get my account un-leaned, today i called them they said me to wait for another 48hours.
It has been abt a week my account is locked for 50, 000.I am facing a terrible situation.My father is admitted in CMC for bypass, I am not able to use my money there is no proper response from ICICI.
I am soo frustated that i want to stop using icici.i mailed to icici bank managers even there was no proper response from them.
Please try to understand the customers.sinceicici loan amount due will be deducted on 5th of everymonth, since there was no money in my account my check has bounced and they have added late fee charge too.
Please take the actions as soon as possible as you take when you collecting the due.

Unfortunately I had registered for ICICI bank during my visit to Vashi's Center one Food Bazaar. However, never had the opportunity to use the card. Meanwhile, they had done a fraud through phone, whereby they coaxed me to get into Lombard insurance assuring that the first year's installment will not be charged. Everything was over phone --- no signed documents. Now, what I see is that the charges are on credit card and the bank is harassing me to pay the charges.

Hi All,

My name is Amit parashar, Claim No:- MOT00761986 is having problem with ICICI Loambard very badly. I had choosen Loambard as i feel that it was no. 1 insurance company in india but recently with his services i feel that it is providing very worst services in india.
My Motor cycle :- DL3SAY 1506 was stolen 3 months back & after that i had submitted each & every document to Loambard & that time they told that i will receive my claim amount with in 15 days. but it's going more than 3 months but i have not received any positive response from Loambard.
I had a word with 2 executive & manager of Loambard :- Vishal ([protected]) & Ashok( [protected]) ergarding my refund of Insurance amount but i surprised to knoe from vishal that ICICI Loambard was having some technical problem & due to this they are not able to provide my Insurance amount with in TAT.

Please suggest me is this is the way to treat with customer who is having faith in such bank.

I hope this email will give some work to do for customer as i am also working with customer service industry but from my side i never treated customer like this.

Kindly revert me for more clarification.

Shyam sunder K:- Please do something for your bank.

Regards

Amit parashar
[protected]
email :- [protected]@rediffmail.com

I am a VISA Credit card holder of ICICI Bank.Since last two months I am not getting my credit card bill causing immense inconvenience in payment of monthly bills.Not only this, Iam not even mailed these bills in my e- mail ID, which has been given several times to customer care on demand.Please ensure that, either Ishould get bills in time or I would be compelled to surrender the credit card, which is of no use to me under these cercumstances. RAJIO SINGH

To say that ICICI group itself is unrelibale to the core will not be an exaggeration. I am also not sure whether posting on this forum will be of any utility to me. I have spent time, energy and money to open a D-mat account with icicidirect.com. First, i attempted in February 2008, when they were offering a new dmat account in Rs 1 only. However, the application was rejected as i had not submitted three months bank statement, although i did give one months statement, by paying Rs 122 to ICICI Bank. Again, I re-applied in May 2008 and now gave three months statement, after paying rs 122 to the bank. After that, they never informed about the status and i had to myself go and scream at them. Then also nothing happenned and i am now totally frustated with these people. I am asking my cheque of Rs 750 back but they are not listening. ICICI group is insensitive, unethical and anti-customer. They should be banned.

Hello,

Am Satish.K credit card customer of ICICI bank, my credit card # [protected].

On 10.07.2007 I called the ICICI customer care and requested to stop all the future payments to 4 utility bills and I was given an SR # 30661759.
There after ICICI had done a payment of Rs.1992.00 on 19.07.2007 to LIC for 1of the policy which was requested to stop. As per ICICI utility bill payment terms & conditions any payment can be stopped before 7 days.
On 22.08.2008 I called the ICICI customer care to check why is the payment done even after stop payment request and they said the transaction will be reversed and this would be the same as done earlier in my account on 23.12.2006 & I need not pay ICICI and ICICI would reverse the transaction and settle with LIC.
On 19.09.2007 first time I was charged with Interest & service tax on it, I called ICICI customer care and explained the entire tale behind the transaction and they reversed the charges on 28.09.2007.
Similarly on 21.09.2007 ICICI had charged over limit charges (exceeding the card limits) and Service tax on it, I called ICICI customer care and explained the entire tale and they reversed the charges on 05.10.2007.
Every month calling the customer care to explain what had happened and getting the charges reversed was very complicated and telephone charges was too expensive, than me meeting the concerned officer in LIC.
I approached LIC in November, 2007 and they confirmed about the duplicate payment done by ICICI to LIC policy and they said it would be adjusted to the future dues if there are no claims from ICICI bank.
After confirmation from LIC for adjusting the duplicate payment towards the policy due on Jan’2008 I paid Rs.1992 with other purchase amount to ICICI, total payment on 08.02.2008 Rs.6775.12.
By then every month I was charged with Interest and Service tax on it for non payment of Rs.1992.
I again called ICICI customer care on 31.03.2008 and explained the entire tale that had happened and the executive was helpless and he said he can only pass the waiver on the previous bill and suggested to contact customer.[protected]@ICICIBANK.COM
Even they are unable to pass waiver and requested to make me the complete payment to avoid further financial charges.
Currently the total interest is Rs.1466.58 + ST 181.27.
Kindly review the entire issue and get me out of this.

Thanks
Satish

Gentlemen/Madame,

With reference to the subject, I have put in the complaint to ICICI but there is no response; I would appreciate it if you would look into the matter and resolve it so that I can continue loan repayments regularly.

Regards,

Dr. Rajiv Joshi



July 31, 2008

Dr. Rajiv Joshi,
14 - B, Tilak Nagar, (Ground Floor),
Nagpur 440010, India

Dear madam/sir,

I am sure impact of my previous email on amortization is
understood; I eagerly await response after which I continue
further payments from my side.

Your team of agents is either dumb or uneducated and untrained.
When I take a loan from your bank please understand that neither
o[censored]s is obliging the other; it is purely my need that the bank is
catering to and not that of my family; kindly train your agents in
Collection deptt.; they harass my family over telephone about my
payments; my family has nothing to do with it so refrain; or else
matter goes to your Chairman Managing Director and Executive
Director. Take care.

Regards,

Dr. Rajiv Joshi


Note: Forwarded message attached

-- Original Message --

From: "Rajiv Joshi" <[protected]@rediffmail.com>
To: [protected]@icicibank.com
Cc: "preeti . laxminarayan" <preeti.[protected]@icicibank.com>
Subject: Fwd: Amortization schedule for MH31 BB8806


RMJoshi
(Dr. Rajeev Joshi)Gentlemen,

I am forwarding the mail I have sent to an email address given me
by one of the ICICI staff at the ICICI collection centre at Civil
lines Branch Nagpur.

I would request an early action in this matter.

Regards,

Dr. Rajiv Joshi


Note: Forwarded message attached

-- Original Message --

From: "Rajiv Joshi" <[protected]@rediffmail.com>
To: preeti.[protected]@icicibank.com
Subject: Amortization schedule for MH31 BB8806


RMJoshi
(Dr. Rajeev Joshi)July 28, 2008

Dr. Rajiv Joshi,
14 - B, Tilak Nagar,
Nagpur 440010
India

Manager,
ICICI Bank / ICICI Collection,

Dear madam / sir,

Sub: Loan against MH31 BB8806

Ref:Amortization schedule as at subject above

Kindly note that the amount mentioned at top right hand column 3 &
4 row 5 reads EMI Rs. 3, 940 which means to me that the monthly EMI
which I have to pay is Rs. 3, 940/-.

I have so far paid 19 instalments of EMI as Rs. 4615/- an excess
of Rs. 675/- per month for 19 months. I understand that the first
month charges are Rs. 675/- over and above Rs. 3, 940 which is Rs.
4615/- and understandable.

Prior to paying my first instalment I have checked this point with
the concerned executive one Mr. Manmohan whose manager was one Mr.
Agarwal both in Nagpur Civil Lines office of Nagpur. I was told by
Mr. Manmohan that an EMI of at least 4500/- would fetch me credit
card facility hence I agreed for it.

Kindly note that so far I have paid an excess of Rs. 12, 150/- more
than required.

Kindly look into the matter and make necessary amendments to the
schedule so that the matter does not go to the Chairman and CEO of
ICICI

Kindly revert ASAP

I look forward to hearing from you soon in this connection

Regards,

Dr. Rajiv Joshi


RMJoshi
(Dr. Rajeev Joshi)

sir, i am using icici credit card since 2004, regular payee . card limit is 61000. on 25 june 2008 7;32 am call centre officer told that donot pay for 2 months then u can go for settlement.then i didnot pay.next month i got call from chennai collection "purushotham rao ".he told that sir pay this month i will put a mail on that. again this month another offcer is calling and she told that my supperor will call.in this way they are harssing me.

Dear Sir,



My salary account No.[protected] is freezed for amount to Rs. 11271.76 . Requesting you to unfreeze the account and give the clear & complete solution at the earliest by the return mail along with Mobile No of Senior Officials of ICICI Bank.



Thanks & Regards

Anil Kumar

[protected]

--- On Thu, 7/31/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:


From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Re: Reg Request for SR for "NEVER RECEIVED CARDS" NRC
To: "[protected]@yahoo.com" <[protected]@yahoo.com>
Date: Thursday, July 31, 2008, 1:19 AM



For quicker resolution of your query/request, please write to us through "E-mail Us" facility. This facility is available on the first page of our web site www.icicibank.com, under "Reach Us ".

Dear Mr. Kumar,

We request you to write to [protected]@icicilombard.com for details of the debit done by ICICI Lombard in your credit card account and for the process on how to credit the amount to your credit card account.

Write to this address:

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

Never give away your card details or account details in response to mails that offer free gifts or lottery winnings.
contact us through the "E-mail Us" option at our website, www.icicibank.com.

Sincerely,

Lalitha
Customer Service Officer
ICICI Bank Limited

If your contact details have changed, important letters, e-mails and other communication may never reach you. The easiest way to remain connected is by updating your contact details in our records. To do this, please download the Address Change form from our web site http://www.icicibank.com/pfsuser/webnews/products11.htm,
or from any ICICI Bank branch or ATM.

Instantly generate your credit card PIN and get your Internet Banking user ID on the phone by calling our 24-hour Customer Care. To know more about our online services, please visit 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 emails 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: Anil Kumar ([protected]@yahoo.com)
Date: Tuesday, July 29, 2008 08:38 PM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Cc: anurag.[protected]@icicibank.com (anurag.[protected]@icicibank.com); harsh.[protected]@icicibank.com (harsh.[protected]@icicibank.com)
Subject: Fw: RE: Re: Reg Request for SR for "NEVER RECEIVED CARDS" NRC





Dear Sir,



The below mail is self explanatory, as per query from ICICI Lombard the debit amount is Rs. Rs. 7397/- and credited amount Rs. 2959/- bal. amount Rs 4438/- then why Credit Card Section debited amount to Rs 11271.76. How Credit Card section can make service charges and interest without issuing the Credit Card. Why should I pay the amount for 11271.76 instead of Rs 4438/-, I am facing a lot of problem because day by day the services charges and interest is increasing which is not my liability to pay.



Please do the needful at the earliest and take necessary action before 30th Jul-08 by return mail.



Also need the cancellation confirmation of Credit Card and NOC Certificate from ICICI Bank.



Thanks & Regards,

[protected]



--- On Tue, 7/29/08, Customer Care <[protected]@icicibank.com> wrote:


From: Customer Care <[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Re: Reg Request for SR for "NEVER RECEIVED CARDS" NRC
To: "[protected]@yahoo.com" <[protected]@YAHOO.COM>
Date: Tuesday, July 29, 2008, 5:44 AM




Dear Mr. Kumar,

We regret the inconvenience caused due to our credit card services.

We understand the intensity of your query regarding your credit card account.

We confirm that we in credit card section will not be able to reverse the debits done by ICICI Lombard.

We request you to write [protected]@icicilombard.com for details of the debit done by ICICI Lombard in your credit card account and for the process on how to credit the amount to your credit card account.

Alternatively, you may write to below address:

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

Looking forward to your co-operation in helping us serve you better.

Sincerely,

John Victor
Customer Service Officer
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 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: Anil Kumar ([protected]@yahoo.com)
Date: Monday, July 28, 2008 04:22 PM
To: Anurag Bisht (anurag.[protected]@icicibank.com)
Cc: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com); harsh.[protected]@icicibank.com (harsh.[protected]@icicibank.com)
Subject: Re: Reg Request for SR for "NEVER RECEIVED CARDS" NRC


Dear Sir,



With reference to the above cited subject.After making lots of repeatedly calls to the Customer Care department I am sorry to say that none were responded in positive way. I have confirmed from the ICICI Lombard Customer Care online they have explained that the amount to Rs. 7397/- was claimed without my consent.



When I have given a request on 3.6.2008 vide request SR No 3060885 for cancellation my Policy then they have Credited Rs. 2959/- against the Credit Card so the total amount Rs. 4438/- is debited by ICICI Lombard Insurance, but the Credit Card Department debited amounting to Rs. 11271.76 against the credit Card No [protected] which I have never received and the said amount is referred to LIEN against my Saving Salary Account No[protected], my account is also freezed again in the month of Jul-08. Now I unable to withdraw my existing amount from Bank.





As per Customer Care feedback, they told me that your credit card has been blocked and we can not register your NCR (NEVER RECEIVED CARD), when I have asked for NCR SR No the Customer Care Executive they have given me the SR No S 73639367 regarding inform to Collection Department on 24th Jul-08 and ansured that within the Seven days you will be called by our Collection Department but since then I have not received any call regarding this matter as I was said.





The day before yesterday i.e on 26th Jul-08 I met to Mr Aman the ICICI Executive of Credit Card Collection Department at Rohini Branch but they told me we can't do anything else regarding this issue you please speak to Customer Care and Customer care is giving me counterfiet information.



Requesting you please give a favourable intervention in this regards and do the needful enabling me to close this issue at the earliest



Also requesting you please unfreeze my saving Bank Account No[protected] to make enable to withdraw the amount and keep smooth transactions properly.



CC: Dear Harsh Sir, Please do the needful and oblige.



With Best Regards,

Anil Kumar

[protected]






--- On Fri, 7/25/08, Anurag Bisht <anurag.[protected]@icicibank.com> wrote:


From: Anurag Bisht <anurag.[protected]@icicibank.com>
Subject: Re: Reg Request for SR for "NEVER RECEIVED CARDS" NRC
To: [protected]@yahoo.com, customer.[protected]@icicibank.com
Date: Friday, July 25, 2008, 2:34 AM


Dear Anil

Pls get the SR generated from customer care under "NEVER RECEIVED CARD" then only we can proceed further.


regards
----- Original Message -----
From: Anil Kumar
To: anurag.[protected]@icicibank.com ; customer.[protected]@icicibank.com
Sent: Thursday, July 24, 2008 7:00 PM
Subject: Fw: Reg Request for SR for "NEVER RECEIVED CARDS" NRC



Reminder...1



Please go through below mail.



Thanks & Regards,

Anil Kumar

[protected]




--- On Sun, 7/6/08, Anil Kumar <[protected]@yahoo.com> wrote:


From: Anil Kumar <[protected]@yahoo.com>
Subject: Reg Request for SR for "NEVER RECEIVED CARDS" NRC
To: anurag.[protected]@icicibank.com
Cc: customer.[protected]@icicibank.com
Date: Sunday, July 6, 2008, 6:44 AM






Dear Sir,



I Would like to draw your kind notice that I have applied for Credit Card last year but till date I have not received any Credit Card. But Credit Card Department is sending Outstanding statement against the Card No [protected] which I have never received to me. The follow up calls are coming from Rohini ICICI Branch for payment on regular basis at my residence. I have telephonically registered the SR no 68227204 on 2.6.2008 for making NIL balance, but the statement is still coming with me. I have informed so many times to Rohini Branch Officials. there is no solution was made.



When I have confirmed the status of Credit Card from Bank Officials, they said to me that the concerned card was issued on 1st July-07, the Card was despatched on 7th July -07 and Pin No despatched on 11-07-07 through ordinary post . but all these things not received to me, I want to know that,



1. Where is the Credit Card?

2. Who received the Card?

3. Where is POD?

4. Present Status : The Card is Cancealled Or Active ??

5. Why the statement is coming to me?





Last Month May-08, my Saving Account was also Freezed under LIEN.



You are humble requested to give the SR No for (NEVER RECEIVED CARDS) NRC to close the concerned issue, and take neccessary action please.



Thanking You,



With Warm Regards,



Anil Kumar

[protected]









"This e-mail message may contain confidential, proprietary or legally privileged information. It should not be used by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. The recipient acknowledges that ICICI Bank or its subsidiaries and associated companies, (collectively "ICICI Group"), are unable to exercise control or ensure or guarantee the integrity of/over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due authority of ICICI Group. Before opening any attachments please check them for viruses and defects."

I m the employee of Cyber Media India Ltd. And my salaried account in ICICI Bank (Gurgaon Branch). I have 4, 226.00 Rs. in my account. Three days ago (i.e. 28/07/08), when I opened my online account to transfer some funds to someone. But I got surprised to see that the available balance is -40, 084 Rs. When I call to customer care, Mr. Hanuman (Manager) told me that some loan has come in your account by mistake. And we will resolve in two working days (i.e. 30/07/08). But after three days they told me you should pay the total amount. I m in trouble. Pls. contact me at [protected].

I took home loan from ICICI Bank vide Account No LBDEL [protected] in oct 2003.The intrest rate was 7.75% which has been increased to 13.5 % which is highest among the banks. The quality of service is very poor, there is no communication from bank about the loan status or change in the intrest rate. when apporached to bank for getting the balace payment details they asked Rs 100/- to provide this information. I called ICICI call centre.I was told that ICICI is charging high intrest rate for its goods service. There is only only good service observed with this Bank i.e loan is quickly senctioned and later they do not listen the customer. In vew of above I request you to take necessary action against the bank. -

Regards

Ajay Goel

B-1/159 II Floor
Janak Puri
New Delhi-110058
[protected]

iam priyank singh thakur, i required one certificate for FOREIGN TRADE OFFICE, GOVT.OF INDIA purpose.in this my name, accont no., address should be mention in a specific format(appen.18A)but bank operations manager MR.ANIRUDH MAHA did not issue this certificate and harasses me.according to RBI directions bank have to issue the certificate in specific format only.but ICICI, SHIVAJINAGAR, PUNE dont even care.

I have taken a home loan from ICICI Bank in 2004. On 24.05.2008 I made part payment of Rs. 150000/- on 24.05.2008. My EMI date is 1st of each month. As per agreement, interest is on monthly reducing balance. Although I have paid in the month of May, but my balance as on 01/06/ 2008 was not reduced to the extent principal repaid.

On enquiry it was informed (orally) that this is the normal practice in Bank. On protest they told, wherever you want to complain, you can, this is the procedure in ICICI Bank.

I am unable to understand if amount is paid as well as enchased also by bank on 01.06.2008, how Bank can charge interest on that amount for full month of June.

I want to bring to the notice to everyone that these Private Sector Bank are cheating to public . Is there any controlling agency in this country who can save innocent consumer from becoming victim of them

I am holding icicidirect online share trading a/c since last 6yrs. But recently my account was suspended bcos the documents at there place were destroyed in floods. I had submitted my documents twice to a icicibank branch executive of Bhavnagar, but even than my account was not re activated. lastly i had submitted the documents to Ahmedabad branch of icicidirect on 28th june. I have been calling the branch and icici bank call center but my account is not yes activated.

Hi,

My Savings Salaried account was opened in the year 1997 by the organization where I joined. Typically when salaried accounts are opened in any organization, a form is given to the new joinee as per the process instructions provided ny the relevant banks corporate executive who manages the account and queries for that organization. With vague memory as I remember, this ICICI Corporate Account executive gave me a form and took signatures and photographs.No details are provided as to the nature of the account except that this is a salaried account with a zero balance feature as we are associated with an organization.

Advantage: No minimum balance needs to be maintained as Salary credit would be at regular intervals.

I worked with the organization for four years and went on to join another place which had their salary accout with some other bank. I could have closed the account but went on to hold the account till date i.e. Jun 2008, by maintaining a good account balance much above the minimum balance accepted by the bank, as per their rules.
For seven years till Jan 2008, ICICI bank sleeps over the so called "PROCESS" which ideally is put in every organization to help customers or any operation and NOT make it a hindrance by "Follow the process for the heck of it".

In Jan 2008, I receive a letter stating that there have been no salary credits in my account and I am supposed to convert it into normal savings account by submitting certain documentation within a definite period else the my account will be blocked.

Do not know why they need to do this - If it was just for the heck of following process!! - Well it is acceptable if the rules related to salried account were briefed before hand but while selling corporate accounts this is not taken care of.

I call up their phone banking services with regards to the letter and they inform me that I need to submit the documentation as a process but my account would not be blocked as I have been maintaining my account balance much beyond their expectaion.!!

I doubly check this with the phone banking executive and he assures me of the same while I can submit my documents at my convenience!.

To my fortunate or unfortunate luck, I join another organizaton that has a tie up of salaried account wit ICICI. The so called ICICI corporate executive who takes care of salaried account corporate services gives me a orm. When I mention about an already existing account with ICICI, he gives me another form taking my signature and mentioning that I need not open another account as the name of the corporate will be changed and the same account can be continued to use as a corporate salary account.

As a customer, I trusted the executive.Threeconsecutive salaried credits and bank is happy. No reminders or letters for resubmission of documents!!

I leave the organization in threemonths to join another place and no salary credits take place for the month of June and July 2008.
But I maintain a balance required.(Ideally, its a quarterly minimum balance!!) Jun 2008, my minimum balance goes much below their expectation.

I was expecting funds in my account while I get to know that my account is frozen!!..Without intimation!!

When I call up Phone banking services, I am told, that I need to visit the branch and submit documents and there has been no salary credits since 2001.When I check with them of how cold they do this without intimation when there have been credit in the month of March, April, May 2008, they have no answer but there were no credits in June and July!! To top it all they tell as per process, the letter wold have reached me which is three weeks before freezing of account!!.I tell them I have not received their letter, if they could let me know when was the letter despatched AND NOT details of whether I have received!!. They tell me that the branch would have sent and they do not have any details...another big disconnect of the Phone banking and branch services despite everything being centralised!!

I also get to know that it is the customers duty to inform if they have left the organization and convert from salaried account to normal savings account..Which is never briefed by any of the so called corporate executives of the bank while selling corporate salaried account services.

I would definitely not recommend anybody to have any services taken from ICICI because o such a nasty pathetic services that only harasses the customer. I had to arrange for the funds to get transferred in another account!

Hi

I am Neeraj Kumar a ICICI Credit Card Holder. On 26.06.2008 I have swiped my card on petrol pump and for one transaction double entries has happen which is reflecting in the transaction details. Kindly charge back my one transaction as there should be only one transaction successful. waiting for your reply.

I have called your phone banking number [protected] and every time your executive is giving me same feedback that our system is under technical maintenance.
Plz resolve my issue.

SR ID: SR71596228

CREDIT CARD NO: XXXX XXXX XXXX 2004

On 12'th February 2008, someone had transferred Rs 1 Lakh from my account to other account Ac no:[protected] Meghna Arts. ICICI bank has clearly traced out this as a fraudulent account.
And on their request with great efforts we could finally file the FIR with the local police. Nothing has happened since then. It has been 5 long months and still no trace of any action being taken by the ICICI.
I have been an ICICI account holder for last 12 years and the minimum someone could have done was to update me on the status of my money being returned back to me.

Deeply frustrated on how the ICICI functions.

[protected] Forwarded message[protected]
From: CUSTOMERSERVICE <[protected]@icicibank.com>
Date: Jul 4, 2008 6:38 PM
Subject: Status of your SR71734846
To: sudhakar.[protected]@gmail.com
sir we didn't recieved the courier.
Dear Customer,

Password sent on 04/07/2008 through EXPRESS IT courier vide airway bill number '[protected]. You will receive it in 7 days.
br...

TILL DATE I HAVEN 'T USED MY CREDIT CARD, BUT BANK HAS GIVEN THE STATEMENT IN WHICH THEY HAVE STATED THAT I HAVE PAID A TELEPHONE BILL IN CHENNAI AND LIC PREMIUM IN MUMBAI BUT I AM LIVING IN RAJKOT.

AFTER SO MANY COMPLAIN THEY HAVE CONFIRMED THAT NO AMOUNT OUTSTANDING ON 26th DEC.2007 Ref. No. : 121207/193497C THROUGH EMAIL BY SHIPA GANAPA [ CUSTOMER SERVICE EXECUTIVE ].

BUT AFTER THAT THEY ARE CHARGING AUTO DEBIT CHARGES AND HARRESSING ME ON MY TELEPHONE .AFTER RECEIVING A LETTER FROM ICICI I HAVE DESTROYED MY CREDIT CARD AND THEY ARE DEMENDING THE PAYMENT AGAIN AND AGAIN.

WHY SHOULD I HAVE TO PAY THE SOME FOR THE MISTAKE MADE BY BANK

SO LOOK INTO THE MATTER AND DO THE NEEDFUL.

TAHNKING YOU

YOUR FAITHFULLY

DEEPAK BHANSALI