ICICI Bank Complaints & Reviews

My ICICI Bank saving account has been blocked by ICICI bank credit card collection Department without any notification. My Dad is admitted in an hospital in New Delhi and i asked one of my friend to deposit some amount to settle hospital bills and when i went to withdraw the money to my surprise i came to know that the account has been blocked. All this happened on 28th Of May -08.
since then i am following up with bank branch and phone bank officer but got no valuable help from anyone.
I have writtem mail to cutomer.[protected]@icicibank.com still of no use. Finally got a phone no of collection department[protected], which remain busy from 10AM to 7PM after that no one remain in the office to pick it up.
I have deposited sum of 8600 on 24th May for credit card which was the mim amont due for that month, but the account was blocked before that and i was not aware of it.

Now where to go and what to do i am completly clueless.
Please help as there is some where around 23000/- in my account and i need that to settle hospital bills.

Please help.

Purushottam K Tiwary
Mob[protected]

To the corresponing,

I keep getting calls on my mobile and messages on ATM display
that I've a pre-approved personal loan and no income proof is
required. I've called your bank executives and placed a request
for a personal loan when i need it. Now my monthly net salary
would be around 55, 000+. And i'm paying total EMIs per month
of 25, 000. I've just applied for 1.5 lakhs. My application is
rejected itseems saying that my past repayment track is not good.
I've availed a personal loan from ICICI bank in the past and
completed its payments without any check bounces. Like wise I
also have loans from HSBC and HDFC and has been paying EMIs
regulargly on time. I remembered once because of some delay that
too because of holidays the check deposited in one of my accounts
where there was an EMI ECS debit got delayed in clearing for one
day itself. I've been staying at the present and premanent address
for the past 12 years. And you people give loans and credit cards
to guys who cheat you and elope to the US or other countries.
I've applied for a personal when i badly need it giving you all
the proofs. And the amount I requested you as a personal loan
is not even 2 times of my monthly gross salary. Do you feel/think
that i'll run away with this tiny amount leaving my family
properties, job, career etc., Do u know how much time i wasted in
preparing the documents to apply this personal loan.
Loan application reference number :[protected]Hyderabad)

SHAME ON YOUR ORGANIZATION.

Regards
Upendranath
[protected]

I have taken loan on my credit card.
While taking the loan i have been told that I will be charged 15%
reducing interest rate(inclusive of everything. no other service taxes)
for tenure of 3 yrs for 2, 83, 000 amount.
The call was also recorded.

But now when i saw my amortization schedule, it says
interest of 9.63% fixed for 4 yrs which comes to 17% reducing.

When I checked my 10th April 2008 Credit Card Bill I was shocked to see balance reward points being shown as redeemed and nil. When enquired with customer care was told that there is something called imint where those points were transferred. Firstly bank is unilateral in taking some steps and that too without keeping customers informed about the changes. Later on I really started calling both IMINT & ICICI customercare to get solution for this problem created by bank for us. After several attempts I was given imint card number and was told that was delivered. When gone into details imint claimed a receiving person's name not in my family and neither a distant relative at all. At last what I could get was just a Service Request No. on 5th May'08. As on date 3 times I called imint. So far no card is received by me to utilise those reward points earned by me.
This is an example of how a No.1 institution can get complacent and overconfident to neglect their customers. Leave alone giving service bank has disturbed my routine work, made me spend money on phone calls, time, energy for no avail.
IS THIS A DECLINE FOR ICICI BANK AFTER HAVING ATTAINED NO. 1 POSITION ?

Dear sir,
Further to my complaint request i am furnishing below some mails which is self explanatory and shows intention and seriousness of bank to resolve my case.

regards
dbjain


Dear Mr. Jain,
We have looked into your concerns and found that we will need a few more days to get back to you. Please accept our apologies for the delay.
Our senior officers will be attending to it and will update you on the resolution by June 05, 2008.
Sincerely,
Girish G
Customer Service officer
ICICI Bank Limited

-----Original Message-----
From: db jain ([protected]@yahoo.com)
Date: Saturday, May 31, 2008 02:32 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: RE: level2complaint/ Savings Account

Dear sir
I am forwarding herewith my case for ur kind attentiona and early action.
dbjain
ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
Dear Mr. Jain,
We deeply regret the delay in resolving your query. Considering the time taken and the multiple interactions made for this request/complaint, we have placed your concern at top priority with the Reference number SR67387426.
Our senior officers will be attending to it and will update you on the resolution by May 30, 2008.
Sincerely,
Vajeed Ali M.A.
Customer Service Manager
ICICI Bank Limited

Dear Mr Vajeed Ali M.A.
When I visted Kalyan branch ur desk offier told me that pay order is lying with Aundh Branch Pune and they will send mail to deposit the same in my salary a/c[protected]
I don't know on which address D D was sent by courier or by Regd.A D . As more than 1 month passed if it is not delivered it will return back to ur office. Please make stop payment of DD and credit the amount to my salary a/c[protected].
I hope u will do the needful at the earliest. I have got new land line no, in my residence i.e.[protected] and our address is D-603 Prafulla Paradise, Near Water Filteration Plant, Kahadakpada, Kalyan - 421301
regards
dbjain
ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
Dear Mr. Jain,

According to the revert from the department concerned the specified cheque's amount has been dispatched in the form of Demand Draft on April 24, 2008 to your communication address updated in our records. We request you to check at your address and confirm us. We tried calling you on your contact number on [protected]. However the call was not getting connected due to network problem.
Sincerely,
vajeed Ali M.A.
Customer Service Manager
ICICI Bank Limited
Dear Mr. Jain,

According to the revert from the department concerned the specified cheque's amount has been dispatched in the form of Demand Draft on April 24, 2008 to your communication address updated in our records. We request you to check at your address and confirm us. We tried calling you on your contact number on [protected]. However the call was not getting connected due to network problem.

Sincerely,

Vajeed Ali M.A.
Customer Service Manager
ICICI Bank Limited
-----Original Message-----

Dear Mr Sekharam
This ref. to ur SR[protected] Your query will be resolved by May 25, 2008.
According to ur mail i have visited ur kalyan branch at 9.06am vide SR CQ055 and met Mr Pankaj he find our in his computer and told me that "pay order is lying in Aundh-Pune Branch and i will inform them after 11 hrs to deposit in SB a/c[protected] and confirm u on ur cell.
At 12 hrs i recd a call from some body else and informed me that Mr Pankaj is busy with meeting and i have sent a mail to Aund Pune branch and it will take some times to search out pay order as it is one month old.
I feel instead of solving my problem ur kalyan branch desk officers are just passing the time.
If they take my request letter on 25.4.08 and find out the status of cheque no 047858 of Axis bank seriously it could be resolved on that day it self as it was relished on 23.4.08 but i was first told to wait up to 21 days than 1 month than 1 week and show is going on.
I finally request u to credit the same amount Rs 5384/- in SB a/c[protected] immediately to avoid dispute Otherwise i am forced to report this matter higher authorities and RBI.

dbjain

ICICI Bank Customer Care <customer.[protected]@icicibank.com> wrote:
Dear Mr. Jain,

We have made a note of your request. Your Service Request number is SR67136248. Your query will be resolved by May 25, 2008.

Sincerely,

Sekharam
Customer Service Manager
ICICI Bank Limited
-----Original Message-----
From: db jain ([protected]@yahoo.com)
Date: Thursday, May 22, 2008 05:49 PM
To: ICICI Bank Customer Care (customer.[protected]@icicibank.com)
Subject: RE: level2complaint/ Savings Account

Dear Mr Mahesh Boroale
Today I have received a call from ur office[protected] and confirmed details of my 047858 drawn on Axis Bank, Banglore isssued by Microchip Tech.deposited in kalyan branch on 19.4.08 in closed student account no[protected], latter on confirmed that above mentioned cheque is laying in suspense account and it will be credited to existing SB a/c No.[protected] of Goregoan branch after written request.
I told ur officer that I have already submitted the same dully signed by son Mr Parag Jain on 21.5.08 at 8.53am at ur Kalyan branch with copy of cheque and pay in slip and same was acknowledged.
Kindly confirm the same from kalyan branch and pass on necessary instruction to credit Rs 5384/- in a/c no[protected] immediately.
sorry for trouble
regards
dbjain
Dear Mr. Jain,

We are deeply concerned with the issues raised by you in your e-mail. We regret that our service couldn't live up to the expectations.

We have registered your complaint against the Service Request SR66915555 and have forwarded it to the concerned department. Your complaint would be addressed within 3 working days.

Sincerely,

Mahesh Kumar Boroale
Customer Service Manager
ICICI Bank Limited

Dear Mr Mahesh kumar Boroale

I am DB Jain father of Mr Parag Jain visited our kalyan branch at 8.38 am vide my service request no. CQ048 regarding credit of my 047858 drawn on Axis Bank, Banglore isssued by Microchip Tech.deposited in kalyan branch on 19.4.08 in closed student account no[protected].
I have submitted written request along with copy of above mentioned cheque and pan in slip, ur officer find out the status in her computer and said that cheque was realised on 23.4.08 but could not find out where pay order was sent and it will take a week time.
I once again request u to find out relevent document and credit the same on my sons salary account no[protected] is from Goregoan branch at the earliest and confirm.

dbjain
[protected]


ICICI Bank Customer Care <customer.[protected]@ICICIBANK.COM> wrote:
Dear Mr. Jain,

We understand that our branch officials have spoken to you on May 17, 2008 on [protected] and have provided you the status of your complaint. We would like to inform you that your complaint registered against the Service Request SR66537642 is under process and would be addressed within 1 working day.

Looking forward to your co-operation.

Sincerely,

Mahesh Kumar Boroale
Customer Service Manager
ICICI Bank Limited

Did You Know you can get SMS alerts to track purchases with your ICICI Bank Debit Card? What's more, you also get the assurance of Zero Liability Protection. T & C apply.

-----Original Message-----

Dear Mr
Mahesh Kumar Boroale
More than 2 days over but i could not get any reply from u regarding credit of my cheques No. 047858 for Rs 5384/


Parag Jain

ICICI Bank Customer Care <customer.[protected]@ICICIBANK.COM> wrote:
Dear Mr. Jain,

We have registered your complaint and have forwarded it to the concerned department. Your complaint would be addressed within 2 working days.

Sincerely,

Mahesh Kumar Boroale
Customer Service Manager
ICICI Bank Limited


-----Original Message-----


Name: Parag Jain
Product: Savings Account
Account No:[protected]
Application No:
E-mail address: [protected]@yahoo.com
Mobile no: [protected]
Telephone no: +91--
Service Request(SR) No:[protected]
Details of complaint: Dear sir,
My father deposited a cheques No. 047858 for Rs 5384/-drawn on Axis bank Banglore, Payable at all banches on 19.4.08 at ur Kalyan branch and wrongly mentioned my old student account No[protected] Parag Jain) which was closed long back instead of my existing account No.[protected].
I have sent a written application for the same but ur branch officer said it will take 21day for clearance u enquire after 21 days. On 10.5.08 i visited ur kalyan branch, ur person check out status of my above mentioned cheque and said it will take 2 3 days more but not ready to take my application for correction.I was told to contact customer care service on phone or mail for prompt response and action.
Today 15.5.08 my father visited ur branch and person concern told him that we are unable to find status of cheque in suspence account u please come again after complition of 1 month.
I do not understand how many time we have to visit u branch to get solution.
If i will not get credit with in 2 days than i am forced to write highter authority.

Please look into the matter and give necessary credit of above mentioned cheque for Rs 5384/- from ur suspense account to my a/c no.[protected] Parag Jain) and confirm as more than 25 days have passed.
regards
Parag Jain
[protected]
[protected]

Dear sir,
Since 25th april'08 I contacted bank and their customercare officers sevral time and still not getting credit of above mentioned cheques inspite of several assurance and date for resolution by bank and customercare officer.
I am Sr citizen and i need ur help for the same.
below details for ur ready reference.
regards
dbjain

Dear Mr. Jain,
We have looked into your concerns and found that we will need few more days to get back to you. Please accept our apologies for the delay.
Our senior officers will be attending to it and will update you on the resolution by June 11, 2008.
Sincerely,
Sreeja Nair
Customer Service Manager
ICICI Bank Limited

-----Original Message-----
From: [protected]@icicibank.com ([protected]@icicibank.com)
Date: Friday, June 06, 2008 01:27 PM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: level3complaint/ Savings Account
Name: dbjain
Product: Savings Account
Account No:[protected]
Application No:
E-mail address: [protected]@gmail.com
Mobile no: [protected]
Telephone no: +[protected]
Service Request(SR) No: SR67387426
Details of complaint: Dear Mr Mohd. Sr Manager
As per ur tele phone[protected] talk on yesterday i visited ur kalyan branch and collected Indemnity to be obtained for issuing Duplicate Draft from Mr Santosh. He said that u fill, sign and put franking stamps of Rs 200/- on it. when asked him that the terms laid down in form is not applicable in my case and secondly why should i bear penalty of Rs 200/-, his response better to talk to Cutomer care Manager.He shown me POD in his computer and i confirm that receiver signature is not of our family members and also telephone No.25893928, no address. When I try to contact on this no. i received simple reply please check ur no.when I have already submitted my written application on 29.5.08 in kalyan branch to make stop payment o[censored]r payorder and immediate credit to a/c[protected], it is better to call back from pune as ur courier know where it was delivered.If H O came to know that a/c [protected] of kalyan and it closed than they should 1st contact to kalyan branch (Mr Parag Jain is only one name in ur computer, having FDR, joint a/c[protected] where all information's are available) or his cell no.[protected].I have deposited similar cheques in corporation bank on 15.5.08 and it was credited on 17.5.08, I could not understand how ur branch take 21 days form clearing MICR cheques. and also entertain customer written complaint after 30 days? I have already done all formalities as suggested by u or ur branch.dbjain[protected]/[protected]

I hold a credit card from ICICI bank and am not receiving the mothly bill statement from the last couple of month`s, i got worried as i have to pay off the bills and tried calling the ICICI bank customer service call centere at[protected], at Hyderabad, as usual the ivr starts asking us to enter the appropriate option/number and when entered it doesn`t let us go through, rather the IVR starts up again and again saying that there`s no response from our side inspite of entering the right number and soon after repeating the options the line automatically gets disconnected asking us to try again later as we have exceeded the alloted time frame.

I have gone through this good for nothing procedure several times and each time burning a lot of money in my pocket or the balance in my mobile just for this useless, good for nothing, poor, , pathetic, [censored]ing IVR and the customer service above all.

Readers...imagine!!! What will happen if you are robbed of or loose your credit card and you are trying to informing the lost cedit card to the customer service this hectic, unpleasant and unfriendly way.

I therefore request the concerned authorities look into this matter if they really care about their customers as soon as possible to retain the trust of their customers.

Thanking you.

i am using your credit card from jan 2008. this card service is very useful to me. i stay in sangli. i have my bank account in your vishrambag branch at sangli. till last month i was using the withdrawl slip alomg with deposit slip to make my payments against my credit purchases. this branch is a new one so i did not get any chequebook.
this month i got a cheque book. to enjoy the cash-less payment facility i issued a cheque to the bank this month for rs. 2000 as against the payment of rs.1978.
bank authorities did not accept my cheque which was drawn in favour of credit card no. as mentioned in the bill itself. i showed the rule about the cheque to the bank authorities but yet they did not listen to me.
this was very irritating experience for me. i am very busy person. yesterday i had to spend two hours for this payment business.
i must know that why my cheque was not accepted by the bank authorities?
please allow me the cheque payment facility.
kalpana bhagwat

I opened a Demat Account with ICICI Direct in 2005 and then I was transferred. Since last three years I am trying to activate my account, inspite of my continuous efforts.

The procedures for handling one's own account are very complex and complicated. There is absolutely no guidance provided to the customer. ICICIdirect.com, the website, does not provide for any method of communicating with the bank. There are no...

they compel me to apply creditcard .they told that issue of card with in 20 working days . but already 1 month over but no response past two days i am tryiong to that no one pick the call .and no response for my quriess
Please give reply my Quriess

Regards
Charles.

How banks make responsible people irresponsible

I have been maintaining my credit card well until I have received a solicitation call to avail a loan against my credit card. Upon my requests for a feasible solution to around 30 representatives I found no solution and finally when I made up my mind to go ahead with the loan to my utter disgust two of the reps wanted the accreditation for processing a loan. Finally upon my continuous contact I was informed that the check will arrive in not more than 5 days. Almost 10 days past I had no sign of the cheque. Finally being through a stressful phase I raised a complaint with the customer service and speak to a manager by the name Ramya. Then I have further more delay by express IT couriers who provide a lame excuse of shortage in staff for delivering a mail across the street. Upon my requests made to the Mumbai branch office again around 4-5 representatives who said managers are always in meetings, a request is made for a compensation for the goo[censored]p. Finally when I encashed the cheque I received a statement that reflects a series of transactions than I am sure a common man won’t understand and a series of reversals with a amount payable as nil and then a second statement showing a processing charge assessed that was reversed in the earlier statement with an amount payable as Rs21880.17 In fact such goo[censored]ps by the service team does not make them eligible for a processing charge. I request you to kindly provide me assistance as a good customer and take necessary action. The reply I receive from one V. Bhupender, Office of Head Customer Service, ICICI Bank Limited reads “It is unfortunate that, despite our good intentions, you have had to undergo some discomfiture. Please accept our apology for your distressing experience. We regret our inability for wavier of processing fee levied towards persona loan". When they had to solicit the loan they could reach me more than 50 times on my mobile phone number and now when there is a complaint the letter reads "Our attempts to reach you on your mobile [protected] has been without success. I have not recieved any reply from this person and the web page shows 4 stage complaint procedure where in I have not recieved any reply from any of the four highly responsible members of the staff who are head of the respective departments. We reiterate your request for waiver of processing fee levied on personal loan could not be processed. Please kindly help me publish this article so that everyone can know how banks play with responsible and honest people who work hard to make their ends meet.

I had applied for an online trading account with ICICI Direct sometime around 21st April 08. I was assured that my account would be active, at the most, by the 15th May '08. Repeated calls to ICICI Direct executives who had initially approached me as well as sever5al emails to icicidirect have produced no positive outcomes.
The imbecilic executives say that my application is under process and I would receive the details shortly. ICICI Direct helpline once mentioned that my application had been rejected and has been sent back for reprocessing. The other time they mentioned that they have no such records when I furnished them with my application number.

I am a doctor who really doesn't have the time to keep on following with them. All I want is a response as to whether they can accept me as a client of theirs and provide me with a trading account or I should approach some other bank/portal for the same. If it is the latter case, may I please request them to refund me the deposit of Rs. 250 that I had made for opening the account. I am now seriously considering along with my family of withdrawing my bank accounts from ICICI.

Regards

Dr. P. Ghosh

dear sir,
this is regarding appl of change of address sent to you via post.no confirmation has been recieved at this end reg same.the address may please be changed from the earlier one to the following:-
Mr Brahm singh 83-A, vivek vihar, meerut(u.p)

bond holder no. [protected] cert no. 98095
no of bonds -6

new account no. [protected].looking for a early confirmation of the same....

sir
This is with ref.to credit card no.[protected] in the name of Husain Zaidi.
I strongly oppose the late payment charges and interest charges levied to us as, we have always paid the money on time and it was only because we had not received any statement on our e mail or either hard copy or any information of any sort.Thus if the irregularity is on your side why should i become the victim of it. Had we received any sort of information we would have paid the money.Please look into the matter and do the needful.

Hi,
My name is D.S Bhat Koti.I am the ICICI Direct account IN[protected] [protected] holder.
I had applied for demat of Vindhya Telilinks shares on 9th of May 2008.But i have still not recieved any intimation/Demat shares into my account.I mailed ICICI Direct help desk, and did not recieve any feedback.
Please help me out, I can reached through my mobile [protected].
Hope action is taken.
Thanking You,
D.S Bhat Koti

Hi,

I want to make a complaint against ICICI Bank for debiting my ICICI Bank acct with my credit card charges without any intimation.

I have logged them the complaint for "Lost of Card" some months ago and they told my acct/card has been blocked.
After that i am ready to pay the outstanding amount but they are charging interest and late payment charges month on month for the blocked/closed credit card acct.

They have debited from my Bank account all these charges directly and again this month they want the charges again.

Please help me to get revert back the amount charged and stop the charges on my credit card account.
I am requesting them from last one month for which i am bearing mental pressure and financial problem also.

Thanks & Regards,
Amit Jain

I took the car loan and wanted to closed the loan account, Bank gave me the details and paid back the amount, bank was to returen my 8 nos EMI cheques. But they have lost those instruments. I have to tell my bank to stop the payments of those cheques, for that my bank charge Rs.800/-nos of time I requested the bank to pay this charges to me but they are not responding.My car loan account no. is LAPUN[protected]. Pl advice the bank to pay this amount to me. Ved Prakash Kharbanda

Last month I got my credit card statement and some amount was due. It was a valid statement and I did the payment via a local bank cheque dated 29th may, 2008 of Bank of Baroda in favor of my ICICI bank credit card according to the instructions given in the credit card statement. I dropped that cheque in ATM drop box on 30th may. Today when I checked my BOB account, the cheque wasn't cleared yet. After inquiring ICICI customer care, I was told that they didn't received my cheque. The payment due date is 8 june.

They asked me to again issue a new cheque. But this time too they don't get my cheque then I would be liable to pay their late fees + interest. There is no proof that I dropped a cheque at ATM and thats the advantage they have with them and how is it possible that they didn't get it when I dropped it(The security men of the ATM agrees) or I would say, ICICI don't want the payment before the due date.

According to new rules, you need to pay a fees of Rs. 100 in favor of any cash payment made to ICICI. So, I think its a company strategy not to accept cheque and just cash payment, else I would be levied interest + late fees.

I don't think this is fare and there should be some method made to authenticate that customers have dropped the cheque in the drop box.

My latest credit card statement has on its envelope a meassge stating boldly, get 50% off on domestic air tickets on Ezeego1 .com. It sure looks like a tempting offer. I got a call from ICICI customer care askin if i have recd. my titanium credit card, my answer was a yes. I wanted to clarify from them is this 50% discount on full fare or just the basic fare and they confirmed it is on the full fare. After which i booked my air tickets on ezeego1 .com through my Tiatanium Credit card. Even on the website they mentioned on one the pages after i selected the ticket that 50% discount on domestic flights booked through Titanium /platinum cdt cards. Today when i got to speak to some other Customer care executive, they told me that the discount is on the basic fare and not on the total fare and to my surprise they even said this scheme is not valid on Spice Jet Crafts. I think this is an extreme case of cheap tactics to sell their products. This is a gross and an irresponsible act of ICICI AND Ezeebo airlines. They do not even bother to give a clear message to their customers. I strongly beleive they must be sued for these cheap tactics to increase their sales.

Hi,
I am praveen, NRI from singapore.
I took home loan in December 2006 from Hyderabad.At that time the interest was 9% floating loan.
After 3 months my interest rate escalated to 11.5% but they are giving loan to new customers at the rate of 10%.
On March 27th I sent a Demand Draft of Rs550000 for the partpayment to my loan account.
They acknowledged that they received the DD on 01/04/2008 and they supposed to deduct my partpayment from the outstanding principle and recalculate my EMI from April 10th(payable on May10th)
Instead of that one they are recalculating my EMI from May10th(payable on June 10th).
one full month they just kept my money in suspension though i paid my partpayment well before EMI effective date. In my case ICICI deducts EMI on 10th of every month.
I spoke to ICICI customer support for atleast 100 times but always they say that they look into the matter but no status.
I wrote this to Mr Kamath and ICICI Quality heads.After that i got a response from Dharma Veda from ICICI Bank saying that they created a process of approval to recalculate from EMI from April 10th instead from May 10th.But even then still they recalculated my EMI from May 10th.
I sent so many mails to the Account Manager but everytime i send a mail i get same response they are looking into the matter.After several mails i got response saying that according to their records my partpayment paid on April 17th.So the EMI going to be effected from May10th.
I sent the money on March 28th and also they acknolwedged that they received it on April 1st and now howcan they say that according to their records they received it on April 17th.
Its totally cheating ...
There are lot of problems whenever i bank with ICICI .
There are lot of stories with ICICI with most of my friends also ..
Please dont have any relationship with ICICI.This is big big fraud bank.

Regards,
Praveen