ICICI Bank Complaints & Reviews

Pls go thru the below mail & letter sent to ICICI, inspite of my present situation they are harassing me, calling my friends, relatives & informing that i am a cheat. Pls consider my appeal with human grounds.

The mail / letter sent to ICICI as follows;
July 7, 2008

From,

B.Pankajakshan,
MASS ACCESS TECHNOLOGIES Pvt. Ltd.,
28-d/16, I floor, Kamakoti Flats,
Murugesan Street,
T.Nagar, Chennai: 600 017.


To

The Manager,
Personal Loan Division,
ICICI BANK Ltd.,
1, CENOTAPH ROAD,
CHENNAI:600108


Dear Sir,

SUB: REQUEST TO EXTEND YOUR HELP
REF: MY PERSONAL LOAN A/C. LPCHE[protected] &
.LPCHE[protected]


I may introduce myself as a businessman and availed personal loan from your bank. Let me thank you very much for your wonderful help and support extended to me till now and I expect the same in future too.

I am having business relationship with your bank since September 2006. Recently I am not able to honor the emis in the past few months because my partners who swindled almost 44 lacs from me due to breach of trust, if someone is in my situation they would have committed suicide and even I tried the same and later I found that will spoil my credibility in the society, which may carry over to my wife & 6 yrs old daughter. Hence I dropped the idea of committing suicide. Even though the financial crunch was happened 15 months back, I was selling all my fixed & liquid assets viz., gold, silver, electronic items etc., and honoring the financial commitment with your bank.

But now the situation have become worst and resulted to cheque bounces, you can check my previous records for the prompt repayment of my dues. I am not a willful or deliberate defaulter in repaying, even after explaining the following genuine facts to your collection executives, without mercy & heart they are creating issues in my office, which is a real mental harassment to me, resulting to that some of my staffs left. The preluded is disturbing my mind, I am not able concentrate in my business, unless I do good business, how can I make repayment.


But I am very confident that my business will do good and started blooming also, I can repay all your dues provided if you permit me to repay the emis from 6th month i.e, [ Jan.2009 onwards] and you please restructure my repayment period. In these 6 months time I will become to stable condition, which will help to start repaying your dues. Please visit my company site www.massaccess.net to know more about myself and my clients.

Hence I request your good self to kindly not to send your collection agents / executives for next 6 months. I am always available thru my mail [protected]@massaccess.net or [protected]@yahoo.com and I will start repaying all your over dues from Jan.2009.

Please go thru the following and your good self will understand the facts.

I am engaged in the field of information technology IT man power consulting. Earlier and still, I am carrying on business under the name and style “Mass Access Technologies” a registered partnership firm, together with one R.Rajaram & M.Pugazhanthi, [just working partners]. I had the contacts and the financial strength to run the business and pumped in funds into the firm. My working partners, Rajaram and Pugazhenthi did not contribute even a single rupee monetarily. I expended heavily towards bringing in various resources such as software, data base, own mail server, 30 seater infrastructures, portal sites, and working over heads and for the up keep of the office premises and payment of salary to staff. While, they made no financial contributions, my partners, Rajaram and Pugazhenthi enjoyed the fruits of the business. My partners also borrowed monies from the firm i.e., my own money i.e., personal loan which was taken from you. Evidently, I was the only source of inflow of funds into the company, while my partners were draining the wealth through all possible means.

Despite the fact that it was a win-win situation for them, my partners, Rajaram and Pugazhenthi became extremely greedy and decided to slaughter the firm and plunder its assets because I was in bed. They gradually, diverted the firm’s businesses to their advantage and pocketed the commission gained out of such transactions.

They unscrupulously utilized the firm’s premises, staff, portal sites, database, clientele, software and technology and all other infrastructure for eating away the firm’s business to their personal advantage. As I was out doing field work to cater new clients and marketing, I could not easily detect the fraud committed by them.

While still in partnership with me, Rajaram and Pugazhenthi commenced as partnership at different premises and were doing the same manpower consulting business under the name and style Career Access Technologies, in competition to my firm “Mass Access Technologies”. It may be relevantly mentioned that for their new venture Career Access Technologies, they have not only copied the name of the business making it sound very deceptive, but also referred to my clients as clients of Career Access Technologies. They did so while they were still in partnership with me. They were both actively diverting the business of Mass Access Technologies to Career Access Technologies, while still being seated as Partners in Mass Access Technologies. Thereafter they poached all my employees and took them away to Career Access Technologies.

They cannily dissolved the firm on 15-3-07 by issuing a letter of dissolution without any notice and without any reasons. They dissolved the firm purposely to cheat me from repaying the amount taken by them from the partnership firm which was contributed from my own funds i.e., personal loan taken from various banks including your good self. They also bamboozled the assets of the firm, and took away many valuables from the firm. The list of valuables includes but is not limited to
1. Air conditioner 2nos. Cell phone, Signed blank and stamp, papers, signed letter heads, partnership deed and registration certificates etc., PAN Card, Lease Deed, Income Tax, Bank of Baroda CA, SB, Loan a/c. files, Data Base, Software, Keys, Rubber stamps & Company Common seal,
2. Invoice File, Agreement, Terms & conditions file etc.,

In the month of November, 2006 I met with an accident and I was bed ridden for almost 4 months and Rajaram & Pugazhenthi understood, this was the right time to swindle and sake me. I came to know of their indulgences only thereafter. They have borrowed from third parties and put me in trouble.

** Rajaram due and payable to me a sum of Rs.23, 36, , 387/- as on[protected] as per the audited balance sheet.
** Pugazhenthi due and payable to me a sum of Rs.14, 02, 840/- as on[protected] as per the audited balance sheet.

Without my permission or authorization, Rajaram and Pugazhenthi have together destructed the software in all the systems owned and possessed by me. They have also destructed the data base purchased by me after taking a back up for their own purpose, for valuable consideration. Besides, they owe me huge sums, being monies borrowed by them. I have filed a case against them in the High Court, Case No.


Pending proceedings, I have now learnt that Rajaram and Pugazhenthi have both been writing to my clients stating that “Mass Access Technologies” has now become “Career Access Technologies”. Pls refer all the enclosures which are self explanatory i.e. I am genuine. By alleging such falsehood they are attempting to make clients believe that there is a change in the name of the firm and are through such deliberate misrepresentations endeavoring to grab my business. They have cheated our clients i.e., breach of trust and even some clients made payment to them trusting the above is true and later they have admitted only MASS ACCESS TECHNOLOGIES as vendor and thrown out “career access technologies”.

I later discovered that they have collected cheques from clients [CAPGEMINI] in the name of Mass Access technologies and managed to illegally encash the same in the name of “career access technologies” [pls refer the enclosures for proof]. I am not aware as to how they achieved the same. But the fact remains that they have robbed funds payable to the firm Mass Access technologies. I also reliably learn that to some clients who have given cheques in the name of Mass Access technologies, they have made false representations to the client and got the name changed to Career Access Technologies.

Further, Mass Access Technologies is registered for the Service Tax under the Service Tax registration No. MRA/CHE-II/325/STC. Service Tax is compulsory in our field of business. Now we have clients informing us that Rajaram and Pugazhenthi are misusing the same service tax numbers and furnishing the number to their clients. Since they are using the registration No. of Mass Access Technologies for business carried on by Career Access Technologies, I am directly affected by the same. This is clear fraud played by them to the government. The same was informed to Service Tax Authorities.

Sir, I respectfully state that Rajaram and Pugazhenthi have duped and deceived me. They have indulged in various criminal acts and have taken undue advantage of the trust I had in them. They have also been played fraud on me by starting a competitive firm and side lining business to their new firm. They have misappropriated my money and also stolen valuable data base. They continue to deceive me and my clients and are misusing my firm’s name. There has also been gross misuse of the service tax registration, which is not only a crime against the Government but also an endeavor to put me into trouble. The said persons are indulging in acts of fraud, misappropriation, breach of trust and various such criminal deeds.

All the enclosures are the proofs for their mischief & breach of trust.


Since I am a professional man, they thought if they do all, I will go away from the business and I will go back to my pavilion, but by god’s grace I have retrieved my self from all the crisis and my business is started doing good, even all my clients understood the genuine reasons and they have signed agreement with me again by god’s blessings & grace.

Pls go thru the above which is self explanatory for my partners cheating. But without your help and co-operation I have not fulfilled in my dedicated profession, which will result me for early repayments positively from Jan.2009.

Recently I have converted my company as PVT LTD., by god’s grace & blessings. I am herewith enclosing all the necessary evidence that I am genuine.

I request your good self to kindly reconsider my above appeal with your generous heart.

Hoping for your extended co-operation with generous heart.

Yours truly,
For MASS ACCESS TECHNOLOGIES PVT.LTD.,
[B.PANKAJAKSHAN]
MANAGING DIRECTOR

Dear Sir/Madam,

I would like to inform you that I have taken Home Loan from ICICI Bank Limited and ICICI Bank charged me wrong interest and in spite of repeated request and follow up ICICI Bank representative refused to reverse wrongly charged interest. I would like to highlight some of the facts relating to this home loans :


CHEATING / HARRASMENT AT THE TIME OF HOME LOAN SANCTION
I have applied for Home Loan of Rs. 15, 00, 000.00 (Rupees Fifteen Lakhs Only) vide Loan Application No. [protected] on 11st September 2007 when I went to India for the purpose of House Purchase and Home Loans. I was in India during the period 11th September 2007 to 19th September 2007. At the time of loan application I have been told that I will get home loan @ 11% p.a. Floating Rate on Reducing Balance. But after 3-4 days of application I have been called by ICICI Bank representative (Samata) that my Loan has been sanctioned at 11.5% where as ICICI Bank has committed at the time of application that I will get loan @ 11%.

Soon after ICICI Bank representative call, I called Mr. Kaushik Sengupta (DSA) that what is this happening and if you can’t give me loan at 11% then I will stop payment of my processing fee cheque and then after so many calls to Kaushik and Ms. Moumita Das (ICICI Bank Representative – Sales) I have not got confirmation of my Home Loan that whether my loan has been sanctioned or not @ 11% till I was in India up to 19th September 2008. Whereas, I went to India only for the purchase of property and home loans and to sign any papers / documents relating to home loans. I have given one cheque no. 803956 dated 11th September 2007 drawn on ICICI Bank Limited for Rs. 8, 437.00 (Rupees Eight Thousand Four Hundred Thirty Seven Only) towards the processing fees.

As ICICI Bank could not confirm me about my home loan till I was in India all my loan papers / documents were signed by my POA after 19th September 2007 and till date ICICI Bank did not gave copy of loan agreements, documents etc. either hard copy or soft copy to either me or my POA.

So, if my loan is sanctioned on 13th September 2007 then why I have not been informed that my loan is sanctioned @ 11% p.a.


ICICI BANK REPRESENTATIVE TAKEN ICICI PRUDENTIAL INSURANCE POLICY WITHOUT MY CONSENT

For the disbursement of the loan ICICI Bank told me that they will require 4 blank cheque for the disbursement of the loan and for the same I have kept cheque No. 803561 to 803564 drawn on ICICI Bank Limited to my POA to give it to ICICI Bank representative if they require.

But out of the above 4 cheque ICICI Bank has used one cheque No. 803561 drawn on ICICI Bank Limited for Rs. 341.00 (Rupees Three Hundred Forty One Only) and debited from my account on 4th October 2007 toward the finance of Insurance without my consent and increased my Home Loan and EMI from Rs. 17, 049/- to Rs. 17, 739/- per month. So, every month I am paying Rs. 690/- higher EMI due to mistake of ICICI Bank. ICICI never bother to call me for my confirmation of anything and increased my liability.

I came to know about this Insurance only when at the end of the month I checked my account through Internet Banking and when I refused to accept this additional wrong doing and complained for the reversal of Rs. 60, 630.00 financed for ICICI Prudential Insurance and reversal of processing charges wrongly charged Rs. 341.00 without my consent.

But till date they have only reversed Rs. 60, 630.00 (Rupees Sixty Thousand Six Hundred Thirty Only) but not returned my Rs. 341.00.

DISBURSEMENT OF LOAN OF RS. 15, 00, 000.00

Till date ICICI Bank did not confirmed me that when they will make disbursement etc. or did not gave me any documents relating to the home loan. But as per ICICI Bank Infinity ICICI Bank has disbursed my Home Loan Rs. 15, 00, 000/- (Rupees Fifteen Lakhs Only) vide cheque No. 183345 dated 1st November 2007 and dispatched the same cheque to ALCOVE CONSTURCTION PRIVATE LIMITED on 14th of November 2007. For the confirmation of date I have given below screen print out of ICICI Bank home loan sanction details.

So, if the ICICI Bank has given disbursement cheque on or after 14th November 2007 then how they are charging Interest from me w.e.f. 1st October 2007 and why ICICI bank is debiting all EMI from my account 45 days in advance, i.e., 1st EMI should fall on 14th December where as ICICI Bank has debited 1st Installment 45 Days in advance on 1st November 2007 and similarly all other EMI gets paid 45 Days in advance.

Therefore, I request to ICICI Bank higher authority to look into the matter and correct the wrong interest charged due to receipt of EMI 45 days in advance and correct the EMI date (i.e., on 14th of every month) based on the disbursement date.





PART PAYMENT OF HOME LOAN

I have made part payment of Rs. 125, 000.00 (Rupees One Lac Twenty Five Thousand Only) against my Home Loan account No. LBCAL[protected] on 9th July 2008 vide cheque no. 806025 dated 9th July 2008 drawn on ICICI Bank Limited, Brabourne Road Branch, Kolkata at ICICI HFC Limited, Central Plaza, 2nd Floor, 2/6, Sarat Bose Road, Kolkata – 700020 and this has been debited from my account on 10th July 2008 and I have been told that this amount will be adjusted from 9th July 2008 and no interest will be charged from the receipt date.

But unfortunately it is adjusted on 1st of August 2008 and now ICICI Bank is saying that it will be adjusted from the next EMI. As till date I did not receive any loan agreement or any terms and conditions of the loan so I have to rely on the verbal response of the ICICI Bank customer care representative and on good faith I have repaid Rs. 125, 000.00 (Rupees One Lac Twenty Five Thousand Only) on 9th July 2008 but not yet adjusted the part repayment till 1st August 2008.

Therefore, I request you to please look into the matter and adjust the part payment of Rs. 125, 000/- on 9th July 2008.


Earlier also I have made request for the reversal of wrong interest and reversal of wrong processing charges but till date nothing has happened.

hi,

I went to ICICI ATM to take out some money. When I checked it, I found a fake Rs. 500/- note. From whatever I read on other people's experiances on net, It seems its a big racket going on at ICICI and many others have been cheated. It seems, ICICI never accepted the responsibility for it . They tore people's notes instead of replacing them. I have nothing to prove that the note came from ICICI ATM. Can the consumer do nothing or will he have to take a video camera to the ATM to prove the notes are coming from ICICI's ATM.


thanks & regards,
shubhu

D/Sir,

I was offered a credit card no.[protected] from ICICI bank. they were not sending me the credit card bill on time so when there were pending dues of Rs.13000.00 approx. i contacted ICICI customer care and lodge my complaint and they told me that we will do the needful you submit the mionimum payable dues of Rs.1000/- which I have deposited through thier representative, like this they took minimum money from me three times and simultaneously they were putting interest and late fees on Rs.13000.00 when I asked that you have not check my record properly and after getting minimum dues you are going to put late fees and intrest, please stop my card and send me full and final settlement when the pending amount was Rs.14213.00 approx.
Despite my several reminders to them they did not stop my card and putting inters on it and suddenly on May 31, 2008 they debited Rs.26929.00 from my salary account of ICICI no.[protected] without my consent and approval .I have lodged complaint in ICICI customer care to credit my money to my account and settle thier credit card seperately, which they refused and denied. They also left rs.200 balance after deducting rs.26929.00 so that it can further be charged intrest on it.now they have made it 1420.00.They are saying that they have a right to debit the amount from my account without my consent, I asked then why you did not debit when outstanding was only Rs.13000/- why you have made it 26929/- they are not listening when I said that I will go to the consumer forum then they started giving me threat for dire consequences.
You are requested to help me out and ask to refund my money from ICICI bank.I will be highly obliged.
Regards
K.P.Singh
M-[protected]

my wife having sb account in icici bank. the account was opened as salary account in 2004 by her employer.salary account means zero balance account. salary is not been credited from end of 2004 as her employer changed banking with another nationalised bank. this account has been charged penality for non maintaining of quarterly annual balance between jan 2005 and june 2008. after june 2008 the account has been freezed and we unable to use our money. when enquire over phone and email to customer care, they replies that account has been freezed since salary is not credited for the last three/six month.To unfreeze it request to be given in person to changing account type from salary to normal account.this is totally fruad and unjustifiable.
If this account is still salary account then why the charges for non maintaining QAB been deducted from account. If converted into normal account three years ago then what is the necessary of request in person now?. iam quit sure that this is mistake from icici bank end.
customer care is not answering her properly, they never answer her questions directly.
kindly guide us what could be done.

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.