ICICI Bank Complaints & Reviews

HI,
I hold an ICICI bank saving account . My salary was credited yesterday and when I checked my balance today I was shockedto find that there was negative balance available. When I called the phone banking they informed me that the entire amount in my account was blocked by credit card team for the card number
[protected] and wanted me to check with the credit card team for this. I called the credit card team but no one would not listen and did not help me.
Please help understand was the bank right in blocking my entire amount in the saving account towards a credit card . And that too without informing me. Who has given authorisation to the bank authorities to block my money. I can take any legal action against the bank.
Need your help in this regard as i'm completely bankrupt because of this.
Please help me on the same.

I got the loan for 2.7 lacs from ICICI bank but unfortunately commitment was not honoured from sales people, means that I was told that the rate of interest is 13% and no processing fees at all due to my company and salary (if the processing fees is collected by bank then that would be return back to me in the form of cheque by the sales people). This has been promised since begining and maintained in all followup calls.

But this ended up with the rate of interest 14% and 1% processing fee without my knowledge which I
didn't expect at all. This is unfair from ICICI bank.

After I made numerous call to Diana/ Preethi at[protected]sales team - I guess) to clarify this, I was told that the proceesing fees and 1% extra interest rate would be return back to me but I am fine just to have my proceesing fees only then agreement was done to return back the same on 10 March (team lead Prathip kumar was on the call and promised that too) But still now that is not happened and whenever I am calling them they are avoiding my call, there is no update reg this. This is really pathetic and shameful.

I am sorry to say this, due to these type of people ICICI bank image is going down and pls take proper/required action against them and help me to get back my money.

If you are not concern dept, pls reroute this case to appropriate team, thanks. Pls consider this mail as a serious one.

Below is the required details for the sales team :

Name : Diana / Preethi / Prathip kumar (team lead, emp number - 8201)
Area : Koramangala, Bangalore
Contact number :[protected]

Let me know if any further info is required and my contact number is [protected].

Regards,
Prabhu.

ICICI Direct is very sharp in educating its customers for sending intimation about changed addresses or changed contact numbers. But when it comes to changing, they are very casual.

I hold a SB a/c at Kolkata Chowringhee branch. In November 2007, I submitted request for address change in my demat account that I hold with ICICI Direct. There are a host of young inexperienced boys and girls ready to offer you service after long waits. I was kept waiting for 45 minutes for verification of my PAN card (Proof of Identity) and Proof of Address and proper channeling of my papers. An OK from the demat officials allowed me to leave the branch with the assurance that the change will be intimated in 15-20 working days.

After 1 month I received at my workplace (Orissa), a courier from the branch containing all docs that I submitted and stating that Proof of Identity is not enclosed. SUCH CALLOUS AND IRRESPONSIBLE ARE THE GIRLS AND BOYS WORKING AT ICICI THAT THEY HAVE MISPLACED MY DOCUMENT. I reattached the document and couriered them. After 1 month they again returned back stating that the document ash to be attested since they cannot verify. PLEAE NOTE THE LEVEL OF NONSENSE. Did I ask them not to write about the attestation part while sending back the courier fro the first time.

Anyway frustrated by the irresponsible attitude, I approached ICICI ROURKELA BRANCH on 29-march-2008. Unfortunately another small girl was waiting to offer me service. All documents were verified before me and a fresh application for address change was submitted. Till date no communication and intimation from ICICI Direct.

I deposited cheque on 22nd april. After making 10 call and spending more than 2 hour on phone amount has not been transferred in my account.I am providing detail.


DATE Time Concern Person

1st May 2:00 PM
22nd may 10:00 PM Poonam
24th may 10.44-11.54 am Riyaz (Hyderabad)
24th may 11.55-12.23Pm Riyaz (Hyderabad)
27th may 2.52Pm-3.05Pm Asiah (Hyderabad)
27th may 3.06Pm-3.10Pm Sujeet (Hyderabad)
27th may 3.13 Pm Asiah (Hyderabad)

Am an ex - employee with ICICI. A corporate credit card no [protected] was issued me me during my stint with the bank.
On 28th Jan 2008, my account has been debited for INR 8848.51 without sufficient information or discussion with me. The bank has my contact numbers but i was never informed of the debit in my account.

Most important, this card is a corporate card and a check through my statements clearly shows that all expenses have been made towards stay in hotels. I have discussed the same with Pravin Sawant from collections but he has not been able to help me with my issue.

Please note that i was given a releiving letter from the bank which clearly stated that i was relieved of all my dues. I cannot understand how can the bank debit me for a corporate card expense after 5 long years.

i have the statements with proof on how i do not owe this expense anymore. I want someone to call me, discuss this and refund this money back to me.

If i do not get a response within the next 24 hours, i will file a suit against the bank's credit card collections and business team for debiting my account without my signature or intimation.

reg
Kripa Iyer
[protected]

I have make payment of Rs. 1000/- on[protected] at 9.35 AM in Mahedipatnam, Hyderabad ICICI Branch, at the time the server of the bank is down and they have collected the cash in envolop and took the acknowledgement. A phone call received from your Bank call centre and told that you have not make payment. I told them I have already paid on 22-03-08 itself. The they told that to verify with the Bank official, immediately I rush to bank and know that fact, that I have written first four digit as 4476 instead of 4477 due to which the amount is not credit into my account. The Mahedipatnam Branch official did not bother to inform the thing until I approach the bank. The Bank officials fail to rectify the defect and kept it lying unsetlled. Fault is on the part of bank officials for not rectifying the defect and keeping them unsetlled till I approached. The main reason is also due to failure of server the amount paid intime could not be credited in to my account, which I have punished with late payment fee of Rs. 350/-.

Therefore I, request you Sir, kindly reverse the late payment to me, as the defects are with your bank and your officials, the above thing happened due to server failure and carelessness of your bank official in not rectifying the fact on the same day and kept them unsettled till I approached. I have paid the amount on[protected] at 9.35 AM before the due date.

I had taken a Home loan from ICICI bank on Jan 2007 at 9.5%. It was a flexible loan. However, within two months, ICICI bank increased the interest rate to 11.5 and still charging me @ 11.5%. My loan of 15 years has now become a loan of 23 years.
This is interesting that ICICI currently offering home loan to the buyers at 10% and is charging me at 11.5%.

My rate of interest was 1.75% less than the the ICICI reference rate as a preferred customer. but immediately after taking the loan, i became worse off than an ordinary customer by a big margin. This is completely cheating.
When I questioned to ICICI bank, no body was ready to reply online. I was just getting calls from their end, but they would not reply to my email.
I wrote a nasty email to K.V.Kamath a few months back and therefafter the branch manager of Bandra Kurla Calls me up. When I asked him this, he told me that ICICI has changed the gap of 1.75% to 3% for new customers. That is how the new customers are getting loans at 10% whereas i am still charged at 11.5%. He said that if I want to get the same rate of interest than I have to deposit another Rs. 1.1 lacs with ICICI bank (being 2% of the loan amount).
The earlier one was cheating, this is looting. I never expected K.V.Kamath and team to do this to survive.
I will file a case with the consumer court and take stringent legal action. If need be uptil Supreme court and Finanace Minister and RBI. I was K.V.Kamth to apologise personally for this fraudulent operation and resign immediately on moral ground, if he has any moral values left in him. When I wrote a mail to him, only his junior team of cheaters replied. he never bothered to reply back. I must say ICICI bank is a fraud bank. Never take any home loan from ICICI bank, else you die before you could pay back

i have taken Rs one lakh home loan for application no [protected] LAN LBLUC[protected] .I am repaying my home loan regularly but till date i have not received any repayment statement so for.please provied repayment loan statement as early as possible.so i can pay my balance amount as early as possible.

Respected Sir,

I have applied for ICICI direct Dmat cum trading account vide application [protected] in the month of Oct 2007 at ICICI Direct, Salt Lake, AF block, Kolkata and till date neither the account has been opened nor the proper reply has been received from the concern authority of ICICI direct.

At last, I have received the foul reply from Service Quality, ICICI direct on 20 May 2008 as the form along with my cheque, copy of credit card, stamp paper agreement was missed during transit. Therefore, I am planning to lodge a police complaint for misplacement of valuable documents by ICICI direct after hearing from the concern authorities.

In this connection, I have so far initiated more than 100 telephone calls and 50 email contacts for following up the matter with ICICI customer care team w.e.f Oct 2007. All the communications available with me is appended in Word Document and placed as attachment for evidence.

As per the ICICI Policy, Any queries asked have to be resolved within 48 hours. However, in last 8 months there was no significant response / respect to my queries at the ICICI customer care. Based on above facts and evidence, I suspect as the ICICI direct is doing foul play against business ethics formulated by Government of India authorities.

I have also wasted considerable amount of time and effort in follow-up with ICICI team, which leaded to me considerable loss in all aspects due to most negligence approach of ICICI direct customer care.

This email is intend to write as to notify all concern officers of ICICI, Ministry of Finance, SEBI, BSE, Banking Ombudsman and Media peoples to take necessary action at your end.

I request and I hope necessary enquires will be initiated by all concern officers and do the needful to me.

Thanking you


Regards
N Anand
Mobile: [protected]
[--JAI HIND--]



On 20/5/08, Service Quality <[protected]@icicidirect.com> wrote:
Dear Mr. Anand,

We value your relationship with ICICI Securities Limited.

We refer to your e-mail dated May 12, 2008 addressed to Head Service Quality regarding status of your ICICIDirect Account Opening Form (AOF) number: [protected].

With regards to the same and further to our telephonic conversation on May 20, 2008, your AOF number: [protected] was rejected on April 16, 2008 as the Stamp Duty / Franking validity expired on letter of authority. When checking at our end we found that your AOF have been lost in transit. We regret for the inconvenience caused to you. We focus considerable effort on training our staff to ensure high levels of service and we shall further strengthen our initiatives in this direction based on your feedback.

Further, Mr. Rohit Kumar Thakur ([protected]) will assist you in filling a new AOF tomorrow. We once again apologize for the inconvenience caused to you.

In case of any queries, do write to us.

Sincerely,

Bidhu Panda
Customer Service
ICICI Securities Limited



On 16/05/08, N Anand <[protected]@gmail.com> wrote:
Dear Madam,

No responce received tilldate.

It is not seems to be fair & ethic business practice for esteemed ICICI group company.

I feel very very bad on your way of working.

If, 9 months taking for opening an account without any setback or reasons.. it is the fact to feel shame for your working style..

Hope, postive reply / telephone, least minimum on status..

regards
Anand N
[protected]

From: Nallan Anand
Sent: Friday, April 11, 2008 8:00 PM
To: Service Quality
Subject: Re: 'ICICICARE=[protected]' ICICI Direct account opening application [protected]

Respected Madam,

Thank you for the information and initiative at your end..

Let me disclose the fact, I have earlier submitted thrice my identity proof of latest telephone bill copy duly signed by me...
The real fact very well known to Mr. Amit Das... He has collected from my residence every time..
The rejection of application for want of "latest telephone bill" is not convinced by myself...
I do not know, what foul play made by the concern team at your end for the delay..

Any way, Today Mr Amit das visited my residence at 7 PM as scheduled..
He has collected the recent telephone bill copy duly signed by me (forth time in last six months)...

This is for your information..

regards,
Anand N


From: Service Quality
Sent: Friday, April 11, 2008 2:06 PM
To: [protected]@gmail.com
Subject: 'ICICICARE=[protected]' ICICI Direct account opening application [protected]

Dear Mr. Anand,
We write with the reference to your e-mail dated April 08, 2008 addressed to our Head Service Quality regarding status of your ICICI Direct account opening application [protected].
With regards to the same and further to our telephonic conversation dated April 11, 2008, we regret to inform that, your ICICI direct account opening application [protected] has been rejected for the below mentioned reason.
· Required latest address proof.
Further, you have fixed up an appointment for rectification on Today at 6.30 pm. Sales person Mr. Amit Das will visit to your place.
For any further assistance, please write to us.
Sincerely,
Pallavi Sonavane
Customer Service
ICICI Securities Limited



From: Nallan Anand
Sent: Tuesday, April 08, 2008 10:23 PM
To: Helpdesk ; [protected]@icicibank.com ; [protected]@icicibank.com ; [protected]@icicibank.com ; [protected]@icicibank.com
Cc: [protected]@sebi.gov.in ; [protected]@sebi.gov.in ; [protected]@sebi.gov.in ; [protected]@bseindia.com
Subject: Re: RE:'ICICICARE=[protected]'

Dear Sir,

I have submitted application in person at ICICI Direct, Salt Lake, AF block vide application [protected] on 01 Oct 07 for opening Dmat cum trading account.

However, my application is not yet processed by your office and still kept in progress.. though 6 months and 8 days are left.

The 188 days delay in opening an account is extremely up normal & violating with SEBI guidelines & GOI directives.

The appended all communications (below) for follow-up action is also an evident for your negligence on customer.

I have also wasted considerable amount of time and effort in follow-up with your team, which leaded to me considerable loss in all aspects.

Considering the facts, action at your end expected on war foot.

Also, a fact of summery has been sent separately to SEBI for information along with ICICI direct SEBI registration No.

Regards
Anand N

Copy to:
1) SEBI, Bombay - For necessary action.
2) SEMI, Kolkata. - Please do the needful.
3) BSE, New Delhi - For necessary action.
4) Mr. K. V. Kamath, Managing Director and CEO, ICICI Bank Limited - for information
5) Senior GM, Quality Service - for information and n/a, please.




From: Helpdesk
Sent: Monday, April 07, 2008 1:20 PM
To: Nallan Anand
Subject: RE:'ICICICARE=[protected]'


Dear Mr. Anand,

We regret to inform that we could not respond to you with the resolution within the specified time. However, we are following up on priority.

We will reply you at the earliest.


Sincerely,
K.N.R. Sandeep
Customer Service Manager
ICICI Bank Limited




-----Original Message-----
From: Nallan Anand ([protected]@gmail.com)
Date: Friday, April 04, 2008 06:46 PM
To: [protected]@icicidirect.com ([protected]@icicidirect.com)
Subject: Fw: RE:

Dear Sir The Application submitted on 01 Oct 07. (Total delay at ICICI direct : 6 months and 4 days) Still you are not able "take up the matter with the team concerned". Do you not feel shame ? Anand N From: Helpdesk Sent: Tuesday, April 01, 2008 4:45 PMTo: Nallan Anand Subject: RE:'ICICICARE=[protected]' Dear Sir/Madam, We have taken up the matter with the team concerned to confirm the further status of your ICICI Direct Account opening form. We would revert you with the details on priority.Sincerely, Ravi Chandrika Bade Customer Service ManagerICICI Bank LimitedFrom: Nallan Anand Sent: Friday, March 28, 2008 7:38 PMTo: Helpdesk Subject: Re: RE:'ICICICARE=[protected]' Dear Ravi Chandrika Bade, I have just counted your msg "We regret the inconvenience caused".. it counts 17 times.. Still the inconvenience proceeds.. Anand N From: Helpdesk Sent: Monday, March 17, 2008 11:10 AMTo: Nallan Anand Subject: RE:'ICICICARE=[protected]' Dear Sir/Madam, We regret the inconvenience caused. As confirmed by team concerned, your ICICI Direct Account opening form will be rectified on March 17, 2008 and the same will be forwarded for further processing. The accounts will be generated at the earliest on processing the form. Sincerely, Ravi Chandrika Bade Customer Service ManagerICICI Bank Limited -----Original Message-----From: Nallan Anand ([protected]@gmail.com)Date: Thursday, March 13, 2008 05:28 PMTo: Helpdesk ([protected]@icicidirect.com)Subject: Re: RE: Dear Sir Noted your content of the msg.. The ICICI Direct rep has visited my residence on 24 Feb 08 for rectification of nomination error.. It is understood from them that they have wrongly entered my name inspite of nominee name.. any way error at your end is tolerated.. But, 24 Feb 08 to 13 Mar 08, is taken 19 days.. I am not able to understand, what is going on at your end..? Is it any problem with your system..? It is surprise to see, the customer service emails also not responded few times..? Certainly, It is not good development in ICICI management.. as I am seeing it, first time in my last 8 years relationship with ICICI... regardsAnand N From: Helpdesk Sent: Thursday, March 13, 2008 2:40 PMTo: Nallan Anand Subject: RE:'ICICICARE=[protected]' Dear Sir/Madam, Your ICICI Direct Account opening form is rejected again on February 21, 2008 for the details of nominee. The form has already been forwarded to the team concerned to arrange for rectification. We have taken up the matter with the team concerned to confirm the status. We will reply you with the details at the earliest. Sincerely, Ravi Chandrika Bade Customer Service ManagerICICI Bank Limited -----Original Message-----From: Nallan Anand ([protected]@gmail.com)Date: Tuesday, March 11, 2008 10:28 PMTo: Helpdesk ([protected]@icicidirect.com)Subject: Re: RE: May i know the present status.. Please note that my previous two emails were not replied by ICICI team..reason not known.. Anand N ----- Original Message ----- From: Helpdesk To: N Anand Sent: Saturday, February 16, 2008 3:25 PMSubject: RE:'ICICICARE=[protected]' Dear Customer, Thank you for your cooperation.Your ICICI Direct Account opening form is rectified and forwarded to our Central Processing Center for further processing. On completion of processing, the accounts will be generated at the earliest and you will be intimated accordingly. Sincerely, Ravi Chandrika Bade Customer Service ManagerICICI Bank Limited -----Original Message-----From: N Anand ([protected]@gmail.com)Date: Sunday, February 03, 2008 08:24 PMTo: Helpdesk ([protected]@icicidirect.com)Subject: Re: RE: Dear Sir, Thanks for the information.. I am having relationship with ICICI for a period of 8 years plus, I know little bit about ICICI about their dedicated Customer focus as well as their weekness.. I have confident with your management on commitment... Best RegardsAnand N ----- Original Message ----- From: Helpdesk To: N Anand Sent: Sunday, February 03, 2008 12:39 PMSubject: RE:'ICICICARE=[protected]' Dear Customer, Your ICICI Direct Account opening form is rejected and we have already escalated your concerns to arrange for rectification of the same on priority. We assure that we are looking into the matter on priority and shall get back to you at the earliest. We urge you to treat this as an exceptional occurrence and not as an indicator of our commitment to Quality Customer Service. Sincerely, Ravi Chandrika Bade Customer Service ManagerICICI Bank Limited -----Original Message-----From: N Anand ([protected]@gmail.com)Date: Saturday, February 02, 2008 06:25 PMTo: Helpdesk ([protected]@icicidirect.com)Subject: Re: Sir, Seems to be more delay at ur end.. Please, provide the status atleast.. Anand N[protected] On 30/1/08, N Anand <[protected]@gmail.comwrote: Dear Sir May i Konw the Status.. Anand N On Jan 28, 2008 2:00 AM, Helpdesk <[protected]@icicidirect.comwrote: Dear Customer, Having looked into your concerns, we find that we would require some more time to resolve your query. We regret the delay, however, we ensure that your concerns are looked on priority and will reply you with the details at the earliest. Sincerely, Ravi Chandrika Bade Customer Service ManagerICICI Bank Limited -----Original Message----- From: N Anand ([protected]@gmail.com) Date: Friday, January 25, 2008 09:26 PMTo: Helpdesk ([protected]@icicidirect.com) Subject: Re: Dear Sir, May i Know the Status, please. Anand N On Jan 20, 2008 3:00 AM, Helpdesk <[protected]@icicidirect.comwrote: Dear Mr. Anand, We have taken a request to arrange for rectification of your ICICI Direct Account form [protected]. We will reply you with the details by January 26, 2008. Sincerely, Ravi Chandrika Bade Customer Service Manager ICICI Bank Limited -----Original Message----- From: N Anand ([protected]@gmail.com) Date: Saturday, January 19, 2008 11:22 AMTo: Helpdesk ([protected]@icicidirect.com) Subject: Re: Sir I reached kolkata on 16 Jan 08 and I am free now. Please depute your person to do rectificastion.. Anand N On Jan 8, 2008 1:27 AM, Helpdesk < [protected]@icicidirect.comwrote: Dear Customer, We aplogize for the inconvenience caused. We request you to confirm us on your availability, so that we will arrange for rectification of your ICICI Direct Account opening form on priority. However. we focus considerable effort on training our staff to ensure high levels of service and we shall further strengthen our initiatives in this direction based on your feedback. We earnestly hope that the negative experience you had will not come in the way of your availing our facility. Sincerely, Ravi Chandrika Bade Customer Service ManagerICICI Bank Limited -----Original Message----- From: N Anand ([protected]@gmail.com) Date: Friday, January 04, 2008 01:54 PMTo: Helpdesk ([protected]@icicidirect.com)Subject: Re:SirI have already informed before submitting my application in your ICICIdirect, Salt lake centre as i will not be availble for short period.Hence, I have asked them to double ensure the form in person and givefeedback with in a week if any..However, they said everything is fine..after scrutinise.. now ???Anyway, service is not satisfactory..regardsAnand NOn 17/12/07, Helpdesk <[protected]@icicidirect.comwrote:Dear Sir, Our team concerned has confirmed that you are out of station andwould be coming back after 10 days. Hence, your ICICI Direct Account openingform [protected] would be rectified once you back. Sincerely, Pooja Ramteke Customer Service Officer ICICI Bank Limited -----Original Message-----From: N Anand ([protected]@gmail.com) <%[protected]@gmail.com%29Date: Thursday, December 13, 2007 12:40 PMTo: Helpdesk([protected]@icicidirect.com)<%[protected]@icicidirect.com%29Subject: Re:Any progress.. Anand N On 10/12/07, Helpdesk <[protected]@icicidirect.comwrote:Dear Mr. Anand, We have looked into your concerns and realise that we will need afew more days to revert to you. Please accept our apologies for the delay.We will definitely have a response for you within the next days.Looking forward to your co-operation. Sincerely, Nayantara Gadekar Customer Service Officer ICICI Bank Limited -----Original Message-----From: N Anand ([protected]@gmail.com) <%[protected]@gmail.com%29Date: Friday, December 07, 2007 06:49 PMTo: Helpdesk ([protected]@icicidirect.com)<[protected]@icicidirect.com%29Subject: Re:Any responce.. Anand N [protected] On 4/12/07, Helpdesk <[protected]@icicidirect.com wrote:Dear Mr. Anand, We have looked into your concerns and realise that we will need afew moredays to revert to you. Please accept our apologies for the delay.We will definitely have a response for you within the next days.Looking forward to your co-operation. Sincerely, Smitha GopiCustomer Service Officer ICICI Bank Limited

Dear Sir/Madam,
Ref:- Card Holder:- Vaibhav Tulsyan
Customer ID:-6018683
ICICI BANK CREDIT CARD NO. [protected]

with reference to above I would like to inform you that I am in receipt of statement dated:[protected] with a late payment fee of Rs. 600/- and interest charges of Rs. 393.70/-.
Although, I haven't received previous statement of April'2008 for which reason I am likely to pay such charges, though there is no fault on my part.

Now, you are requested to reverese such charges in my statement. Your kind co-operation and necessary action in this regard will be highly appreciated.

Thanking you,
yours faithfully,

Vaibhav Tulsyan

i have a savings account with your bank and its no. is[protected].on 6th may i dropped a requisition slip for a cheque book at an atm, sector 18, noida, but i have not received it so far.the address given in the slip is- A-39, 2nd Floor, Sector-30, Noida, UP-201301.
Kidly send the same at the given address at the earliest so as to avoid any further inconvenience.my mobile no. is [protected].

sunanda sambhor

I have asaving account in ICICI no[protected] in Preet vihar branch (Delhi) i found thet someone from my account has made the payment of an ICICI BANK CREDIT CARD, After talking to the customer care people I was able to get the name f the person, and i have filled a complaint on the barnch as well
the complaint no is-sr66260191, Nothing has been done as yet,

Kindly do the needfull.

Hi,

My name is Amit Kumar and hold a saving bank account no.[protected] with icici bank, Noida, Sector 18 branch. I' am out of India for some time and living in China. Before I could leave India I had subscribed to Airtel ECS service in which airtel is authorised to take payment from my icici savings bank account whenever the bill id due. So everything was wroking fine . Since I was not in India and before leaving India notifiec the same to airtel and since I was not in the country and I was not using my airtel India mobile no. which is [protected] so the amount which airtel was taking out of my account was very high like 450 or 469 every month which should not have been the case as no body was using my mobile no as no call was being made from my phone and I was on a bill plan of 150 Rs. every month so debiting high amount of money from my bank savings account was reasonable . So I decoided to cancel the ECS facilty with airtel and made call to them abd requested for it's cancellation which airtel had accepted and gave me the ECS cancellation confimation no which is 16019957.and I got this cancelled on 24 March. 08 I notified the same to the bank that no money should be paid to airtel from the next month by writing a mail and speaking to thier customer care executive and got the confrimation no. SR 62161884.

Even after doing all this airtel has taken out again Rs. 469 from my savings bank account on 20 Apr. 08 and since then a series of followups has been started with icici bank and airtel do put my money back into the account as it was a mistake by airtel and icici bank. After prolonged followups and lot suffering which I had undergone finally icici bank gave me my 469 back . ok fine everything was ok now. but recently again airtel has taken money out of my account again the sum is 169 and the date is 16 Aor. 08 and again the same series of suffering has been started I have been wrting e-mails to icici bank which I am not getting any reply as they have some bunch of sitting in there as everyday I will get mail from a diffrent person who will ask me to sumit a fresh request to look into the matter abd I am fed up of all this . finally I have thougt of taking this recourse. Though airtel people confrim again again that their is no ECS working on my mobile no as the mobnile no was disconnedted at the same time I had filed the complain I dont know from where the bills are getting generated and whom icici bank is paying the money every month . I will give you the call reference no. which is[protected] with airtel where the guy name is mansukh I had spoken with Confrimed me again that the mobile no has been disconnected and no ECS facilty is working Still icici bank dont replies to mail and even I have spoken to them so many times not to pay money to airtel consider it is right and duty to pay my money to whom? I dont know. Than the customer care people dont reply to mails dont answers to call when they dont have any answers to what I ask . As I have all the necesssary proofs with me that the bank is wrong .

Please help me with this matter abd help me to get my money back . here the questions is not 169 Rs. The question is of bank integrity to its customers.

Thanks & rgds.,
Amit Kumar.

I would all of you not to take ICICI Credit Card even if they offer you for free. They will say this in the begining, and after some months you will get a bill.
Incase you will not pay then they will put your name in Defaulter List, and any other bank checks the common site.

Great work done by Banks, made a site and started checking where they can put any body's name with their own wish to fetch the money out of them and ICICI Bank has topped that Cheating List.

Dear sir/Madam,

I have applied for a ICICI D-mat Account. on March 20th 2008, I have received a mail stating my D-mat No:IN[protected]. 0n 4th april again i have received amessage stating your d-mat has dispatched through courier. but i have not yet received any courier as on date.
Afterwaords i mailed to customer care, they said they already despatched through Express IT courier, after it will reach to you like that, but not yet received.

Once again i send a mail to customer care on 17th May 20008, for that they replied me by saying it has been despatched through express IT courier with AWB (Airway Bill ) number is [protected]. but as on date i have not yet received any courier .

even i asked them to cancel my account for that they are not giving any response.
please do the needful at the earliest.


with regards,
M.Sreenivas reddy

I have paid the EMI for July 2007 in the same month by DD at ICICI ECS Dept, Fort and have the acknowledgement as well. The same DD was cleared in Aug 2007 from my account. The above dept has accepted the reciept of payment, but still ICICI Home Loan people are denying the receipt of DD & payment and continously following me.

There will be one year completing very soon for this matter & still ICICI is not able to solve this issue.

Dear Sir,
I have taken two policy of ICICI INVEST SHIELD CASH BAK through Your M.R.Tower, Ranchi Jharkhand, The policy no.& holder are[protected]SONIYA SHARAN)&[protected]SANTAN SHARAN) of Rs.10000/- each premium. I have deposited cash of Rs.20000/- for both the policy as on 29.03.2008 in your ranchi branch, vide Money receipt No: 24294 & 24293.
But very sorry to say that till date they have not deposited my premium amount. I have gone to 5 to 6 times there, they don't give any positive reply. I have taken statement from Internet. I assure you that they have not deposited till date.
I humbly request you to kindly look the matter at your level and do the needful.
Thanks & Regards
SANTAN

Hi,
I lost my ICICI Credit & Debit card.
I filed 1 FIR for both cards.
I got back my Debit Card money, but not the Credit Card money. Because both are handled by different departments.
Of course, you never acceded to my request of sending me a copy of the investigation report and charge slips. I have the SR number raised for that. Looking at the thousands of ICICI complaints, i know your bank is the worst & most immoral of all. I have already closed a couple of my ICICI accounts and am going to the ombudsman next week. This mail is to let everyone know that ICICI is the worst of the lot. It is highly immoral, no ethics, and its own employees cheat the customers !!
If you can still do anything about my credit card misuse, please back to me on my mailID. Else, we meet in court!
- Atul.

Following are the chain of mails which are self explanatory.Please look into the matter.



Dear Mr. Venkat Nathan,



Thanks for your long awaited reply.



My only question is have you all been sleeping for last five months? Or this is the easiest way to collect money charging unnecessary interest on the loyal customers followed by your company!



Why you people didn't call me or reply my queries for last five months? Instead kept on charging delayed payment charges & interest. Do you call this Customer Service!?



The funniest part is even after putting the online compalint I got the reply from end that you are unable to contact my phone no. Whereas I got a call from ICICI only offering cash loan yesterday at 19.19 hrs. I do have the record.



Please note that I will go to any extent for this. I paid the cheque in time. It got credited in your account late not of my fault.



Your mere experssion of inability of waiving off false delaypayment charge is not going to solve the problem of playing with my hard earned money.



Request you to send me a payment statement as off today & rest of the amount which I should pay without any delayed payment charge at the earliest. Or call me at [protected] for sorting this issue out.



I am ready to pay the amount I spent & legitimate interest on that, not your false delayed payment charge.

I am not going to pay a single pie as long as you do not take rational step.

It goes without saying that i am not willing to continue with your card anny more.



Hope you won't take another five months to reply.



Sanchita Roychowdhury

[protected].





--- On Tue, 20/5/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:


From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Fw: Re: Your Credit Card Statement for the period 19/12/2007 To 18/01/2008
To: "[protected]@yahoo.co.in" <[protected]@yahoo.co.in>
Date: Tuesday, 20 May, 2008, 6:50 PM


Dear Mr. Chowdhury,

We regret our inability that we are unable to reverse the financial charges levied in your EMI credit card account 4477 XXXX XXXX XXXX

For your safety DO NOT:
1. Keep your cheque books and cards together
2. Keep the blank cheque leaves signed
3. Allow anyone else to use your card, PIN, password or any other security information
4. Write down or record your PIN, password or any other security information
5. Give your account details, password or any other security information to anyone.

Sincerely,

Venkat Nathan
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 website

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 mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.





-----Original Message-----
From: sanchita roychowdhury ([protected]@yahoo.co.in)
Date: Tuesday, May 20, 2008 11:28 AM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Fw: RE: Fw: Re: Your Credit Card Statement for the period 19/12/2007 To 18/01/2008

To whom it may concern,

Further to the chain of mail below I tried to log on to your website & send the mail at least thrice but unfortunately could not be successful for some reason or other.

Being slightly busy executive I also could not keep on trying as I do have some other responsibilities.

But I spoke to your executives often & lodged my complaint. I spoke to Radhike last on & around 10th f this month & she promised somebody would call me up & clear up this issue within 24 hours.

Instead of that I received another statement form you adding up more delay payment charge & interest. I must appreciate your superb Customer Service!

Today morning I could able to launch my complaint through your website. Complaint no. is SR66769842.

Hope this time this will be sorted out.

Please note that I am ready to pay the amount I actually paid & due interest on that. No late payment charge will be made as i drop th echeque on time. You can tack all my payment details in my three credit cards with you.



Hope to get this petty issue sorted out soon.



Sanchita Roychowdhury.

--- On Sun, 20/4/08, ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:


From: ICICI Bank Customer Care <customer.[protected]@icicibank.com>
Subject: RE:'ICICICARE=[protected]' Fw: Re: Your Credit Card Statement for the period 19/12/2007 To 18/01/2008
To: "[protected]@yahoo.co.in" <[protected]@yahoo.co.in>
Date: Sunday, 20 April, 2008, 11:46 AM



Dear Customer,

We acknowledge the receipt of your e-mail.

For resolution of your query, we request you to write to us through the "E-mail Us" option at our website, www.icicibank.com.

We assure you that:
1. Your query will be resolved within 2 hours.
2. You will be able to register your request online and will be provided with a request number.
3. You can track the status of your request online.

Sincerely,

Customer Service
ICICI Bank Limited

Note : This is a system generated e-mail. Please do not reply to this e-mail.



-----Original Message-----
From: sanchita roychowdhury ([protected]@yahoo.co.in)
Date: Sunday, April 20, 2008 11:14 AM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: Fw: Re: Your Credit Card Statement for the period 19/12/2007 To 18/01/2008




As per the discussion with Mr. Sabbir I am forwarding the mail once again. Please note that as long as I receive the fresh statement without the late payment fees I am not going to pay any more.





--- On Thu, 7/2/08, sanchita roychowdhury <[protected]@yahoo.co.in> wrote:


From: sanchita roychowdhury <[protected]@yahoo.co.in>
Subject: Fw: Re: Your Credit Card Statement for the period 19/12/2007 To 18/01/2008
To: customer.[protected]@icicibank.com
Date: Thursday, 7 February, 2008, 2:38 PM


WOULD ANYBODY BE KIND/COURTEOUS ENOUGH TO RESPOND TO THE NAIL BELOW? OR YOU JUST EXPECT TO RECEIVE PEOPLES' HARD EARNED MONEY JUST LIKE THIS!!!

PLEASE BE INFORMED THAT I SHALL PAY THE NEXT & LAST INSTALLMENT TO YOU NEST MONTHE WITHOUT THE LATE PAYMENT CARGE & THE TAX ON IT.

MEANWHILE YOU MUST HAVE RECEIVED ANOTHER PAYMENT OF RS. 2500/- IN FEBRUARY'08. NOW YOU CAN CANCEL ALL MY ICICI CARDS TO RELIEVE ME FROM UNNECESSARY MENTAL HARRASSMENT.



YOUR RESPONSE IS EXPECTED & APPRECIATED.



SANCHITA ROYCHOWDHURY

[protected]

[protected]
--- On Mon, 21/1/08, sanchita roychowdhury <[protected]@yahoo.co.in> wrote:


From: sanchita roychowdhury <[protected]@yahoo.co.in>
Subject: Re: Your Credit Card Statement for the period 19/12/2007 To 18/01/2008
To: customer.[protected]@icicibank.com
Date: Monday, 21 January, 2008, 2:54 PM


Dear Sir/Madam,

Kindly note that even after giving more than the due EMI on time (07.01.08) you have charged late payment fees & service tax. After giving due reminders on phone you could not send neither the soft or hard copy of the statement, but showed your responsibility in charging the undue interest.

I would like to have the fresh & proper statement without any interest charged immediately.

I am not interested to continue with any of your credit cards offered to me anymore. Request you to withdraw all the cards without any further dealy. I assure you I will repay all the due ( the amount I spent) amount without any interest in time.



Your revert on the same would be appreciated.



Thanks,

Sanchita Roychowdhury

--- On Sun, 20/1/08, CUSTOMER CARE <customer.[protected]@icicibank.com> wrote:


From: CUSTOMER CARE <customer.[protected]@icicibank.com>
Subject: Your Credit Card Statement for the period 19/12/2007 To 18/01/2008
To: [protected]@yahoo.co.in
Date: Sunday, 20 January, 2008, 1:18 PM



CARD STATEMENT

Name :
Mr. SANCHITA R CHOWDHURY


Card Account No :






Statement Summary :
Previous Balance 6, 976.52 Statement Date 18/01/2008
Purchase & other Charges 544.61 EMI Due Date 07/02/2008
Cash Advances 0.00 Payments and other credits 2, 500.00
Closing Balance Amount 5, 021.13 EMI Amount Due 2, 000.00
Statement Period 19/12/2007 To 18/01/2008


* Interest will be levied if Total amount Due is not paid.


Rewards Program:
Opening Balance Earned During the month Redeemed during the month Closing Balance
63 0 0 63


Transaction Details:




Card Number : S ROY CHOWDHURY
Date Ref. Number Transaction Details Transaction Amount
14/01/2008 CHEQUE PAYMENT RECEIVED, THANK YOU 2, 500.00 CR
14/01/2008 Late Payement Fee 350.00
14/01/2008 Service Tax 43.26
18/01/2008 INTEREST CHARGES 134.70
18/01/2008 Service Tax 16.65



[protected][protected][protected][protected]

This is a system generated mail. Please do not reply back to this email ID. If you have a query or need any clarification you may:

(1) Log in to your account online and write to us through Accounts Manager,
(2) Visit the 'Email Us' link at www.icicibank.com to send us an e-mail or
(3) Call our 24-hour Customer Care


[protected][protected][protected][protected]

HOW TO MAKE YOUR PAYMENT
Making payments for your ICICI Bank Credit Cards is really simple. All you need to do is to choose the amount that you would like to pay and to make a cheque/ draft payable in the name of:
ICICI Bank Credit Card no XXXX XXXX XXXX XXXX.
Cheque is drawn on a local bank. Please drop your Cheques/Draft into conveniently placed collection boxes at any of the ICICI Bank branches/ ATM locations/ Skypak drop boxes in your locality. You can also pay online from the comfort of your office or home using the Bill Pay facility on www.icicibank.com.



* Note: All figures are in Rs.

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CONFIDENTIALITY INFORMATION AND DISCLAIMER
This email message and its attachments may contain confidential, proprietary or legally privileged information and is intended solely for the use of the individual or entity to whom it is addressed. If you have erroneously received this message, please delete it immediately and notify the sender. If you are not the intended recipient of the email message you should not disseminate, distribute or copy this e-mail. E-mail transmission cannot be guaranteed to be secure or error-free as information could be intercepted, corrupted, lost, destroyed, incomplete or contain viruses and the ICICI Bank accepts no liability for any damage caused by the limitations of the e-mail transmission.

sir i am unable to redeem my units of tata growing economics plan A as it is in my unit holdings but as i redeems it, it shows "resource not available" and also shows "please redem folio first" but unable to redeem .very bad experience to say that the scheme is open ended but ur team across india only giving me the sr compalaint nos. and not the solution please guide me through mail or by phone. i can my account no:...