ICICI Bank Complaints & Reviews

I have saving account with ICICI Bank at kalyan branch and I am also credit card holder of same bank. In January 2008, bank has credited my account with INR. 12, 000(Twelve thousand) without my consent and the EMI of same is debiting from my credit card account. I have never applied for such a loan. I am not receiving my credit card statement regularly.

Please take necessary action against violation of laws laid by RBI.

I am writing to this in sheer frustration of waiting for the last two months for a simple 3-in-1 ICICI Trading Account.

I had applied for a trading account on April 16th 2008. The agent who came to my office took all the necessary documents and promised that it would take 2 weeks post which the account would be activated.

I waited more than 3 weeks but received NO update on the same. On contacting the agent, he told me that the form was rejected because the company policy "suddenly changed" to the effect that a letter from the Company HR department no longer serves as valid proof.

He came to my office again in mid-May and collected copies of my passport as a valid address proof and this time promised that he would expedite the application. This time, he gave me ANOTHER application no.

Yet another month has passed and I still have NO UPDATE on what the status of the account is.

Everyone at ICICI Direct has been passing the buck -- the agent says there's no rejection now and the Call Centre says there's a signature mismatch somewhere!! I don't know who to believe. I have been making regular calls to the Call Centre only to be put on hold for long periods of time or transferred from one department to another.

In this entire drama, I have lost faith in their Company and the quality of their staff and service. I have heard numerous other stories of how customers are made to run from pillar to post for a simple process such as account opening.

I think they hire the MOST INCOMPETENT staff to be the face / voice of their company.

dear sir, (for icici bank C.C)
i am very much annoyed from your services basically the problem is that i was having a due payment of my credit card which i have settled it up with your jaipur officer named Mr.Jhakhad (recovery cell, jaipur, upasana tower)and the amount which i have to pay to the bank after settlement IS 56000/- that he told me to give him in two installments, the settlement was done on nearby 16 of may 2008, n they said that they will come on 24 of may to collect the amount from me but eventually thy had not comed, i have also reminded him many a times to collect the amount from my jaipur address, but i was aback to see that there was no response from your side..Sir the problem is that Im posted in bhikamkhore where you dont have any branches, so at times it is immposible to reach u. Now suddenly one of your collection person. called up my wife and was very rude to her he also used abusive language and told her he will come to our place and will shout in the locality if we dont provide him the money.Upto my knowlegde v hv taken a C.C from a very good bank not from any roadside company. I[censored] people not take any serius action against ur collection person than i'll be having no other option for bringing you n dat employee into the court and also im planning to lodge a F.I.R against that illmannerd person, here im reminding u again take some serious action against him in 24 hrs of time. NAME Of That Person is Mr. VIJAY SINGH CHOUDHARY AND INFORM US, , SO THAT I CAN MAKE MY PAYMENT

I am a UK resident. Nearly a month ago I was carrying out transfer of funds (£5000) into my ICICI UK account over the internet. The sort code of their bank for UK accounts and Money to India accounts is the same. I had previously transaction details saved in my UK bank (Lloyds) preferences for ICICI UK account and ICICI Money to India account. By mistake I ended up clicking on the saved transaction preferences that sent Money to India account rather than my UK ICICI account. When I realised the mistake after 2 days I followed that up with a phone call to their phone banking officer and Email to [protected]@nri.com, highlighting the mistake and requesting the return of funds. I was given assurance since I had not sent appropriate reference No corresponding with the correct Money-India transfer the funds will be held in the bank and will be retuned to me within 24 hours.

Despite various phone calls and assurances, registering complaints, 2 service requests references and 7 Emails and 25 days later, I am still waiting for my money to be returned. All I keep getting is promise of funds transfer to my originating bank but no results. I have also registered a complaint to their customer services General Manager without any results.

What legal steps should I take to highlight the incompetency of this bank and its officers? I for one will be looking forward to ending all my banking relationship with this bank.

Details of complaint:

Dear sir,
I have a major big problem with ur credit card department service from (JB nagar branch andheri east).

My Credit Card Details- [protected]/other deatails u can get from ur office.

My compliants are-
1. MS/ Gayatri Parab from JB nagar Branch, had agree for my CC settlement in 28, 000rs only.( Full N Final setttlement). The deal was 28, 000rs - 6, 000rs = 22, 000rs only.

2. Gayatri Parab told me to pay part payment of 6, 000rs only of settelement amount. And after that she will relased my full and final settlement letter next day, and i will give her 4 PDC checks of 5.5rs.

3. I was OVOiDED from Ms/Gayatri Parab and from her colleges from past 7days, with insulting response from Gayatri Parab. I feel i had been cheated from ICICI. I had taken this case VERY VERY SERIOUSLY.

4. I had paid 6ooors in cash on 24th of April08. But still i had not received any letter. Gayatri Parab had given me in written that she is ICICI is agree with settlement amount, she has sign the letter also.

5. If i had will not get response soon then i will start Ovioding from next month if ICICI will call me for payment of CC. Then dont blame me for whatever action i will take for my settlement letter. I have all recored conversation of Gayatri Parab and Myself of settlement in my mobile. i have her signing letter also.

6. Reply me soon as possible

Thank you
Dinesh Agre

[protected]-
I had mailed you regarding my ICICI Credit Card settelment problem on May 3, 2008, you can see that mail below and your reply also...

i would like to known you that i had followed your mail and i had visited to JB Nagar Branch, but i had a bad experiance.

I spoke ot Aditi Naik on telephone, but she also very confused and she told me to talk to her colleges and let heim known everthing. i had given all details about my problem but i still had not reveiced any calls from Aditi Naik, from JB Nagar branch...

Now I am getting unrespected calls from J B nagar branch andheri e for payment. i am not against payment but what ever i had told by gayatri parab i want that settlement only. ICICI is blaming me for everthing but i am not taking this responsibility. ICICI bank is responsile for everthing.

Whatever settelment i had given by Gayatri parab she had been confirm by siniors.

this are the telephone numbers[protected] / Gayatri Parab told me this is my cell no. [protected]

Let me tell you again ...I got a proof ...i got a proof...

I got telephonic conversation of gayatri parab and myself regrading settlement

I got a written letter from gayatri parab regarding settlement...i[censored] want i can courier u or i can personaly hand over you a copy of proof...

I am taking this matter serioulsy

looking forward to here from u..

regards
dineshagre
[protected][protected][protected][protected]
Let me tell you all people who using credit cards or other services please record ur calls on mobile what ever u talk to these people. you have the proof to fight .
[protected][protected][protected][protected]

Our credit card machine is not working properly. we would like to get it inspected by ICICI authorised service agency. Please give me the contact number and address of the concerned person.

Dear,

So far I have not received payment statement for the month of June 2008. My C.C. No. is [protected].

Earlier, I had complained for same.

Hence, look into and regularize it immediately.

Sanjay Shah

on 22.11.2007 from my credit card Rs.3000/-was illegal transaction has been done.
Complaint no.-SR[protected] & SR[protected]
ICICI is not able to satisfy & asking me to pay where i have not drawn money.I am holding card from previous years.
Please see attatchaments. Date: Tue, 18 Dec 2007 16:28:58 +0530
From: "Headcustomer Care" <headcustomer.[protected]@icicibank.com> View Contact Details
Subject: RE:'ICICICARE=[protected]' regarding illegal transcantation
To: "SHESH NARAYAN PANDE" <[protected]@yahoo.co.in>
Dear Mr. Pande,

We inform you that the Service Reference SR48270060, SR48137815 are under process.

Your query is being attended to.We request you to give us 3 working days.

Sincerely,

Rajyasree Kalluri
Customer Service Manager
ICICI Bank Limited

If you have changed your mailing address or your telephone number(s), please obtain the Address Change Request Form from our website http://www.icicibank.com/pfsuser/channels/anywhere.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: SHESH NARAYAN PANDE ([protected]@yahoo.co.in)
Date: Sunday, December 16, 2007 09:01 AM
To: Headcustomer Care (headcustomer.[protected]@icicibank.com)
Subject: RE: regarding illegal transcantation

Madam Kalluri----- As per your requirement i have send Fax message on december 15 2007 14:55,
Remote ID[protected].

kindly let me know what to do further & also confirm me by e-;mail whether you have recived my Fax Message

SHESH NARAYAN PANDE
Headcustomer Care <headcustomer.[protected]@icicibank.com> wrote:
Dear Mr. Pande,

We have taken a request for dispute of transaction on your credit card account with Service Request SR48270060 for the dispute in the credit card account towards balance enquiry of Rs.30.00.

We request you to send us a duly signed letter confirming the following details of the disputed transaction to following address by post or fax within 7 days:

* Complete name
* Merchant name
* Transaction date
* Transaction amount
* Details of the dispute
* Type of Dispute (Transaction not incurred or transaction amount billed twice).

The Address is:

ICICI Bank Ltd Charge-back Department
Empire Complex, 2nd Floor 414
Senapati Bapat Marg
Lower Parel
Mumbai Pin code – 400013
Fax:[protected].


KIndly note that dispute process will take maximum 60 working days from the date of receipt of letter to get resolved as it involves communication with the concern merchant and other formalities.

Sincerely,

Rajyasree Kalluri
Customer Service Manager
ICICI Bank Limited

If you have changed your mailing address or your telephone number(s), please obtain the Address Change Request Form from our website http://www.icicibank.com/pfsuser/channels/anywhere.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: SHESH NARAYAN PANDE ([protected]@yahoo.co.in)
Date: Thursday, December 13, 2007 09:03 PM
To: Headcustomer Care (headcustomer.[protected]@icicibank.com)
Subject: RE: regarding illegal transcantation

Rajayasree Kalluri --- In continuation to my complaint i have noticed that on 21.11.2007, some body has asked you regarding Balance of my account which can be see on attatchament that Rs.30/-debited from my account.Kindly you can check from your incoming calls who has asked for Balance.By that you can easily trap the person who has Telephone.Because for my Balance i can check from my computer.
Attatchament is again providing to you for your referance.

SHESH NARAYAN PANDE

Headcustomer Care <headcustomer.[protected]@icicibank.com> wrote:
Dear Mr. Pande,

On the basis of our telephonic conversation dated December 13, 2007, we have de-activated your Credit Card 5176 xxxx xxxx 5007.

We have replaced your credit card and you will receive your replaced Credit Card 5176 xxxx xxxx 5015 in 7 working days at your mailing address.

We have initiated a request with Service Reference SR48137815 for the dispute in the credit card account towards the cash withdrawals on November 22, 2007.

It will take 15 working days for the request to resolve.

Sincerely,

Rajyasree Kalluri
Customer Service Manager
ICICI Bank Limited

If you have changed your mailing address or your telephone number(s), please obtain the Address Change Request Form from our website http://www.icicibank.com/pfsuser/channels/anywhere.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: SHESH NARAYAN PANDE ([protected]@yahoo.co.in)
Date: Wednesday, December 12, 2007 07:46 PM
To: headcustomer.[protected]@icicibank.com (headcustomer.[protected]@icicibank.com)
Subject: regarding illegal transcantation

SHESH NARAYAN PANDE
CREDIT CARD NO-[protected]

It is noticed that from my account Rs.3000/-has been taken by ATM on[protected].where on that date i was . in bhilai nagar .
i am sending you the attatchment by which it is clear
to day when i was doing my on line payments than i saw that some body has drawn from my ATM.

s.n.pande

[protected][protected][protected][protected]
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[protected][protected][protected][protected]
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Dear Sir/ Madam

I hd applied personal loan from ICICI Bank through DSA at karol bagh. My requirment was Rs.1, 00, 000/- but ICICI has given approval for Rs.1, 50, 000/-. I have received the call form your DSA that your amount is approved of Rs.1, 50, 000/- and i told to that lady (Seema) the i don't want the amount of Rs.1, 50, 000/- i required only Rs.1, 00, 000/- after that she had world with ICICI person and confirm me that she have reduce the laon amount of Rs.1, 00, 000/-.
But today (21.06.2008) i have received the payorder no#544366 dt 18.06.2008 of rs.1, 47, 471.00 along this payorder i have received one letter where was the amount mentioned Rs.1, 50, 000/-. But i had applied for rs.1, 00, 000/- .
Now i want to new Payorder with Rs.1, 00, 000/- which i appiled.
Please solve my quiery.

Regards
Tarun Goyal
Add- FF-51 Guru Nanak Pura
Laxmi Nagar, New delhi-92
Mobile no-[protected]
DOB-08.05.1983

Dear Sir
We had Recd A statement of Credit Card Of ICICI Bank . Ref no CC/28-05/58002 (Dt 6, 2008) In the name of Amarjit Singh ( Add:- Gulati Exports Pvt Ltd) 397 Udyaog Vihar Phase 3 Gurgaon (HR)
that time Outstanding bal of Rs 55369.51 /- But I Had not Applied any Credit Card Even Recd From ur bank. I Had Speck to Your Excective Regarding This statement She Said By mistake they Had send This state ment. And Ignor This
This Is For ur Information.
Pls noted
Amar Jeet singh
Guati Export House
Contect No (91- [protected] )

Hi,

This is Balaji from Bangalore. I got a credit card from an offer with a credit limit of Rs.10, 000. But, iam not using that to till date. Once i had gave that credit card number to ICICI Lambord Medical Insurance. Butm i asked them to cancel that immeditely. Now iam getting calls from ICICI bank for credit card payment. With out using the credit card how come that i have to pay a sum of Rs.1000.

I Kindly request u to cancel my credit card.

Thank You
Balaji.S
M: [protected]

Dear Sir

I was having a ICICI bank credit card which i was told is free for lifetime. I had very minimal use of the credit card as it was just kept for very emergency purpose. I lost that card in March 2006. I had already blocked the card and i also have a FIR with me for the same. After that i received a bill from ICICI for some charges. On inquiry with the bank they told me these are maintenance charges.

They gave me an explanation that since i was not using the card extensively they have imposed a maintenance charge. This was done without my knowledge and they kept on adding interest on it for non payment. Obviously i was not going to pay for the same since i was not informed and i was under immpression that is a life time free credit card.

Please help me to get this matter closed as they keep on calling me and harrassing me for the outstanding.

When ICICI Card is used in ATM it do ask for PIN so no worry but when you buy something it does not ask for any password

in SBI Debit card purchase is not possible without entering PIN in swap machine

I suppose HDFC Bank debit card is also does not ask for PIN during shopping

When enquired ICICI Bank denied to activate such facility and advice to live with this kind of risk

is any body listening in the interest for customer ?????

Dear Sir,

This is to inform you that I have not received any credit card/EMI Silver card duely approved & issued from your end which are mentioned in your letter (Ref.no.LI5F-6/5/2008) duely signed by Mr. Krishnan Govindan, Asst. General Manager (Application Ref.no.271/[protected]and recd.by me today.

So kindly arrange to deliver the above card and please note that till my ackowledgement against receiving of your credit card, i am not liable for either any due amount or misuse of credit card.

Thanks & Regards,

Vijay Das
Mumbai

Dear Sir,
have taken a Personal loan A/c LPDEL[protected].in april 07.and paid all emi timely till March08.
Due to unavailibilty of fund ECS for the month April got bounced and as a customer i spoke to the Bank in this regards on 24th April 2008 saying will pay the amount along with late fee after 2nd May 07.
ICICI Bank applied a lean of amount Rs.3993/- on 26th of April08.so my balabce became Rs.-3990.
even if i would have deposited the sum in saving account[protected] with defence colony branch ECS will automatically bounce.I got a call from bank regarding payment and i paid the amount along with the late feeon 13thMay2008.Since that time they are charging a late fee without waving off the lean which is still there in my saving account.My only question with all you people along with the bank is why should I pay the late fee for all month which was imposed or being imposed by ICICI BanK Ltd.
And they are not willing to listen anything.Even the collection guy who all are calling they dont have any information about the previous discussions details.simply they are calling me as i am doing a fraud with Bank.I never told the bank that i wont pay the actual amout which i am suppose to.but ya why i will pay the extra amount which is just the result of Bank bad policy.they must make the policy which encourage a customer towards paying the amount not like my case where a person was paying and naw he dont know hwo to resolve thus issue.


Please advise me how to proceed in this regards.

Waiting for a good suggession from your side.

thanking you.

Ishwar Chandra jha
[protected]

Details of complaint: Hi, this is been a long time when Mr. Ravi from ICICI Bank has put a credit card campaign in our company campus & that for PLATINUM credit card.
It was around more than three months But when I follow up for that with Mr. Ravi then he puts my application in process.
After that continously from last one month I have recieved more than 20 calls for verification. I don't know what they want to verify in so many calls but still I did.

Again few days back I recieved verification call from Hyderabad & he told me that I had applied for GOLD card.I was really shocked what it is happening.

Then today I had called customer care at Delhi & they told me that your application is rejected & comment was "I dont want card".

Now ICICI is not giving "PLATINUM" card to me.

All of you it is my personal view that it is the worst bank & the services also are completely insatisfactory.Please don't go with ICICI.

Dear sir,
I'm the existing customer of icici bank.My ac is is 3in1ac.
That number is IN[protected][protected][protected].This ac is for trading purpose and its
savings ac having 0 bal facility.But unfortunately in
the month of December my ac is charged for min bal
chg after this I was mailed to dbc cell that my ac is
charged for non maintenance of qty avg bal of Rs5000/=
and they handle the matter. After some moment a person
called me is your savings ac opened in an offer period?

I say yes my saving ac is a 0 bal ac
this is not a normal ac because those savings ac opened
for trading purpose their savings ac is 0bal ac this is the
special offer offered by DBC CELL which is channelised to
all the icici bank branch and my ac is opened with in the
time bar period of the circular.After that tale conversation
that person said ok sir your ac is reversed with in the
3 working days and my ac is reversed.My savings ac is
reversed after that.
In the month of April my ac is
further debited on ac of min bal chgs.This time I mailed to
DBC CELL, HELP DESK kindly handle the matter my ac is
further charged they handle the matter and my ac is reversed.
My ac is reversed but that
is in condition, that my ac is not 0 bal ac this is a OMNI ac
and have to maintained qty bal of RS 5000/= and after this
no reversal is to be made if I unable to maintain qtly avg bal
of RS 5000/=
After this reply I went to icici bank cuttack
branch and said them that my ac is opened in 0 bal scheme
scheme this is not a normal ac please conform me wheather
the my ac opened with in the circular period or not .They said
your ac is opened with in the circular period and for trading
purpose but we can't do anything we are help less .

Your ac is opened by DBC CELL
please contact them and cheack your ac opening form.

Now in this quarter my ac is to be debited for non maintenance of avg ball of RS 5000/= .Sir my broker Mr NABA KISHORE SINGH.He know this matter very well his E-mail adress is [protected]@yahoo.com

Now sir please give me Justice.Why I have to suffer? if I Have not any fault in my part. Sir their 0bal offer scheme is playing till now.

Yours
RAJU SINGH
CHOUDWAR
CUTTACK
PIN-754071
PH-[protected]

I am the existing customer of ICICI bank home lone. My loan account no is LBMUM[protected]. I have applied for 7 lac home loan. And same have been sanctioned. The EMI was decided 7708. When the final amount of loan is disburse, the amount was 7, 23, 100 out of which is Rs. 23100 is been paid to ICICI Lombard Company, Through cheque No. 845412 for the Home Lone policy premium. It is shocked to me the without my information and intimation company have taken decision and directly paid the premium through my home loan amount.
The complaint for the above matter was reported to ICICI Home Lone customer care and they have accepted their fault but unable to cancel the policy. I have repeatedly asked the ICICI Lombard to cancel the policy on 17th and 25th Sept. but they refused again giving reason “Technical Problem”. After my hard chasing of matter the insurance company have accepted my request on 9th Oct. and the have canceled the policy and replied me that the amount will be refunded back, but till date no such refund was received.
I again contacted ICICI Lombard for the refund and the answer was very surprising. They told no refund is possible because the policy premiums, which have been paid through the cheque No. 845412 form ICICI Home Loan, is bounced.
I asked the policy company, how they have issued the policy even if the premium amount is not received? They could not give any answer. I also asked for the original proposal form for the policy, Till date they cannot produce it to me. Also ICICI Home Lone Kalyan branch could not able to produce any documents in this regards.
I have requested to both Head of the ICICI Home Loan and ICICI Lombard to clear the issue, but sorry to say that the co-operation and response from both the bank is very poor and I am very depressed about this. Taking into consideration the long term relationships with the bank I really need to clarify the same matter at higher level and want the justice to me.
During all this my EMI is increased from 7708 to 7962, and I have to bear additional load without my mistake.

I am an old customer of ICICI Bank and have several accounts and FDs in the bank. Consequent upon my marriage with Sh. Sandeep Sood I had requested for a change in surname and to convert the existing saving account No.[protected] into a Joint account. My husband, who also has an account in this bank has already been able to change his account into a joint one by including my name as Shirley Sood. For doing the needful I had submitted my marriage certificate as well as newspaper cuttings regarding change in name. But the bank refuses to accept the Marriage certificate. I am infuriated to see that the though the said certificate is legal and binding in all respects and has been accepted by all Govt. agencies, a private firm like ICICI has the audacity to reject my Marriage certificate on flimsy grounds. I am an Inspector with the Customs and Central Excise department and my office has also changed my name based on the same records. I shall not suffer any more harassment and am going to lodge a case with the Consumer Forum.

Dear Sir/Madom,
My custtumer ID and ologin password is disable due to non use from long time please activate/fresh issue the cust ID and login password.My A/C No.[protected] of Ganga Singh Dhami
Mobile No. [protected]