ICICI Bank Complaints & Reviews

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

Sir,
I have registered only for MSEBMU (biller Name0 UNDER[protected]BU 4753(06) starting date shown by ICICI bank cc is 01-06-08.whereas they have shown HUTCH abd ICICIP at SNo 1&2for which i ahve not registered at all.I am not going to pay if these are included.If such thing continues pl cacell my registration at the 1st instant, as your IVRS service is also very poor.My credit card No is 5239xxxxxxxx2005.
Pl do needful

Hello Dear Costumer care Dept., .
With much disappointment I am lodgiing this complain. In 2006 May I received a phone call from you branch in Ballygunj Phari, Kolkatta saying you are giving me a cheque of Rs.10'500 as a gift personal loan (What I have never asked for, if you have any docs. then please show it to me). At that time I was about to go out of the country for two yrears, so I told them not to send it to me. But upon my departure the cheques (#848652 dated 10.5.2006)was issued at my home address. Upon enquiry about this, your branch in Cuttack suggested my father to send it back to your Bombay branch. So he did that too. The cheque was send by Speed Post on 7th of Feb'07. So after that there was no more response form your side, so we understood the chapter is closed. But right now as I am back here in India, last month when my salary was deposited in my account the bank has deducted this ammount. Right now the account is showing I have -Rs.4601.25. So upon my enquiry in the costumer care# I got the detail that the bank has deducted the ammount for the same cheque what I have not encashed and returned to the Bombay main branch (even the system record shows the same, that the cheque was not encashed). So my first alligation is when I had not asked for the loan than why the bank issued it in my name. Second, upon my refusal why the bank still forcefully send me the cheque. Third, the money what I have never received (as the cheque was not encashed), why the bank is deducting this ammount from my account.
Already I have complained about this in your costumer care center. The complaint # is SR68352258. Please look into this matter, as I am not being able to use my salary saving account. I am waiting for three days (as of the costumer care assurance) to see this problem get solved, other wise I will be forced to move to the consumer court to find justice.
if your bank is really leading in the country then please prove it by helping the costumers. Hope to hear from you very soon.
With Hope of Quick response.
PRABHUDUTTA ANUPAM NAYAK.
Acc#[protected]
Card# - [protected]

Dear sir
im account holder in icici bank since 5 years.On 29 may i deposit Rs.14000 at 11.10 am before the bank clearing time which is 12 Pm.But the bank still bounce my cheque of Rs.14000 on the same day.i contact the bank manager regarding this but he didint give me any responce .and the third party to whom i give the cheque is taking me in the court because of rejection of cheque .im very upset because of this.My icici bank a/c is[protected].pls help me.my other details are below .
yours faithful.
Pankaj sehgal
Plot no.68
Ram Gali, Ram Bhag
Amritsar, Punjab.

ph. [protected]
ph.[protected]
ph.[protected]

I had one Credit card of ICICI bank and ICICI lombard made one credit card linked insurance. It was telephonic and they never told me that the Total premium amount will be blocked from my credit card.
I continued the card for more then one year. Now after clearing the all my dues when I tried to close the card they shows me that I have some outstanding for the linked credit card. I accepted this issue and I told to inform me the Full and final credit for the credit card and give me the declaration that if I pay that amount there will not be any claim in future and I will not be bound to pay any claim further. They never made this disclaimer to me. I have doubt that after I pay that amount they will claim some other thing in future.

My name is N.V.Ramani and resident of A3/35D Paschim Vihar, New Delhi. I am aged 65 years. I was having a ICICI Bank Credit Card No.[protected]. In order to settle the outstanding amount lying against this credit card an one time settlement was made by ICICI Bank, vide their letter No.ICICIDEL/VM/08-09/020202/05/Z/S dated 09/02/2008 and agreed upon by me as well as the bank to pay Rs.48000/- in full final settlement. The repayment plan was: lst instalment Rs.30000/- 2nd and 3rd instalments were for Rs.9000/- each. Accordingly I issued first cheque for Rs.30000/0 on 16.2.08, vide Statement for Feb 08 wherein Rs.30000/- was duly credited (cheque no.686859). As per the settlement plan further two cheques Nos.686860 and 686861 for Rs.9000/- each were issued dated 15.3.08 and 15.4.08 and these were encashed by the bank. Therefore as per the ICICI Bank letter dated 09.02.08 referred above, one time settlement was made and nothing is due to them from me.

Now from l5 the April 08 onwards I have been receiving telephone calls from the ICICI Bank's DSA agent and from ICICI Bank call centres asking me to make further payments and I have been repeatedly harassed by the staff of the Bank. I am a retired person living hand to mouth from my meager savings.
This sort of telephone harassement by the bank is telling upon my health and I am put into mental anguish and agony. On the top of this I have received a letter from the bank CC/20-05/316303 dt.26.5.08 asking me to pay Rs.28262.20. Is this the way a Leading Bank behave with their customer?
The bank has forgotton all norms and ethics to ask money from me when it was settled as per their
settlement terms in Feb 08. I request that my complaint may please be taken up with the Bank to sort out this matter and save me from mental agony. N.V.Ramani

i had taken home loan from ICICI bank Bareilly (Uttar Pradesh), India in Sep 2006. MY agreement no is LBBAR[protected], dt of loan santion is 28/09/2006 for the property house no 37, Partapur, jeevansahai, Indraprastha, Pilibhit road, Bareilly.

I being defence officer, need a certificate from the bank every year stating the amount paid as intesrt and principal during the last financial year, to file IT return.
Inspite of repeated visits by my father to the bank in the month of May 2008, i didnt get such certificate, I, being presently posted at Lebanon with United Nations, can not go to bank myself.
May i request u to help me.
The same certificate may pl be sent to one od the following addresses.
Lt Col RP Singh (my husband)
HQ 29 INFANTRY DIVISION,
c/o 56 APO, Pin 908429
or
Mr KN Tripathi, House No 37, Block D, Indiranagar,
PO- Izzatnagar, Bareilly- PIN 243122

2 days back I purchased samsung washing machine from Radhika Electronics, Pimpri, Pune
When I make payment through credit card he told me to extra pay of 2% on whole ammount and he credited whole ammount through Credit card
Its totally day robbery and why any shopkeeper took extra money when credit cards company told that u didnt have any extra pay from purchase money

Hi,

I am an NRI account holder for over 6 years with ICICI bank.
Recently I changed my home address.

I phoned them to tell them address change.
Then I sent email request via secure login.

I submitted to request to change address as per the requirements of ICICI Bank NRI services.
Both times ICICI failed to make the change.
Once they told me to get further proof of address.

Second they told me that the signature on the request form does not match their records.
How am I supposed to imagine what they have on their records and how they are comparing my signature digitally or manually. Its completely unacceptable.

Then they told me to go to a local branch overseas and the guys in the overseas branch thought that I am from a different planet or soemething so they can not handle this change.

For over 6 months ICICI is sending letters to my old address. This does not make sense at all.

I am complaining out of frustration.

Have anyone of you had a similar trouble with ICICI?

It will be interesting to know how many NRIs are leaving ICICI because of a lack of management attention and difficulty in conducting transactions and business with ICICI as an NRI.

Thank you.
-Mr. Chakrapani.

Sir,
I am using the credit card No. [protected] issued by ICICI Bank Ltd.. Though I have reported to your Chennai office regarding my change of address from C2/C, Race cours Housing Unit, D.F.O. Compound, Coimbatore 641018 to the following new address, all the correspondences are made to the very same old address which makes me in trouble to get them.
New Address:
6/28, Race Course Housing Unit,
D.F.O. Compound,
Coimbatore- 641 018.
Mobile No.[protected].

I therefore, request you to update the change of address and all further correspondences may be made to the new address and also by email .

Thanking you,
Yours sincererly,
V.MAHADEVAN

I RECENTLY HAD A SALARY ACCOUNT OPENED.I HAD TO..COMPANY POLICY AND EVERSINCE I'M REGRETTING!

TO SAY THE CUSTOMER SERVICE IS BAD. IS BEING KIND...UR PHONE BANKING REPS ARE COMPLETELY ROBOTIC AND MANY ARE RUDE.

THE BANK WRONGLY CREDITED MY ACC WITH SOMEONE ELSE'S SALARY, WHICH I INFORMED THEM..AFTER THAT, I'M HAVING DIFFICULTY WITH MY PERSONAL TRANSACTIONS. THOUGH I HAVE FUNDS, I'M UNABLE TO WITHDRAW AT THE ATM, CITING INSUFFICIENT FUNDS. APPARENTLY, THE SALARY AMOUNT HAS BEEN BLOCKED..THATS FAIR, ITS NOT MINE TO SPEND, BUT WHY CANT I WITHDRAW CASH WHICH HAS BEEN CREDITED INTO MY ACCOUNT WHICH BELONGS TO ME??!!

CALLING CUSTOMER SERVICE IS A NIGHTMARE! HDFC BANK IS WAY WAY WAY BETTER!!!

Sir, i have a given a request to open a demat account on month of feb 08, due to signature mismatch it was sent back to me, after correcting this i again sent back to mumbai, again there was some problem for which i can't be held responsible, form sent back to my bank again i sent this to mumbai and now the 750/ fees for demat acc has already been deducted from my saving bank account on 5 may 08 and still i did not received my demat account, i have complained time and again but to no avail, now i am so frustated that i don't want this demat account to open and want back my 750 in my saving bank account. My details are following
Name salil agrawal
Icici account no.[protected]Greater kailash new delhi)
Concerned pesrson name : ravi kumar and sushil kumar
My icici complain service request no. Sr5884866
Demat form no. [protected]
Contect no. [protected]

I hope somebody has time to read this and help me in sorting this out.

I had availed a loan with ICICI Bank in 2006 for an interest of 18% however when I recieved the ammortization schedule I notice that the interst was 24%, I immediatley adviced ICICI bank of this discrepency.

ICICI Bank howver gave me vague answers and later promised me that I can close this account after six months without any pre closure charges.

I paid 15 EMI's deligently even as my financial postion did no allow me to preclose, when I later advised the bank that I would like to close this account they levied preclosure charges and adviced that the same can not be reveresed.

Now ICICI bank has blocked my salary (ICICI account) .please advice I am facing mental torture due to this

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.