ICICI Bank Complaints & Reviews

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.

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

a) To view, Terms and Conditions, please click here
b) To view, Most Important Terms and Conditions, please click here
'Most Important Terms and Conditions' and detailed 'Terms and Conditions' are available at www.icicibank.com in eleven Indian languages


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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:...

ICICI is nowdays worist banking service shows attitude towards the customers commitment level of service.
three month over for small problem not yet resolved.

Dear Mr. Gabbur,

We have noted your complaint and for worded the same to our concerned department
with the service request number Sr64022741.

We will write to the status on 05.05.2008.

Sincerely,
...

Recently ICICI has sent my online password details through EXPRESS IT, a reckless courier service i have seen in my life. It took 4-5 days to deliver the courier, they never bothered to call me or leave a message when they came to deliver and found my house was locked. Due to this all my financial transactions were stranded, and i was very much disappointed with this. ICICI has sent it again, I don't know what happens this time.

Hi,
I recieved an SMS from ICICI Demat that my account is activated on 25-Mar-08.
About 2 months back, some one called me and said that the address is not correct and he is redirecting it to bangalore from Orissa. ( My permanent address is bubaneswar(orissa) but during that time we had just shifted to a nearby place in bhubaneswar only.)

But nothing is informed to me about the status.

Please advise as what to be done next?

With regards,
Sambit Kumar Mishra

I have not yet received the ICICI letter couriered through ELBEE Courier Vide AVVB number.:[protected].

This is supposed to be recieved to Mylapore address on 29th April 2008.

Sir
I have deposited an Hdfc cheque no.083821 of Rs20000/= (twenty thousand) in my ac no.[protected] with ICICI bank, but they have credited by Rs.2000/= (two thousand only).

I have the complaint with Krishna nagar branch, 120hr has been passed still I have not received money. I have deposited the bank statement of person from whom I have received the cheque duly cleared by Rs.20000/=

The cheque was dropped in the bank on 8th and on 10th Rs. 2000/= was credited. Almost 10days has been passed with this error. I am not getting any response from ICICI Bank by when I will get my money

This has put me in lot of trouble.i am not able to make cards payment and other needs.

Please help me in getting my money and adequate damages for the time i have suffered.

vishal gupta
[protected]

Name - Nilesh Dalvi

Credit Card No. [protected]


in the month of April 08, I have received a call from Ms.Gayatri Parab from ICICI Bank settlement dept, J.B.Nagar, Andheri ( East ) for issuing settlement letter of my account of Rs 1, 200/- while calling, Mrs.Gayatri Parab from ICICI Bank used very abusing language with me as well as my mother at my residence which is not acceptable at all.

Accordingly, i have made payment of Rs.1, 200/- 2 months back but till date i have not received any settlement letter.

And Now suddenly, I have been receiveing calls & messages for making further card payment inspite of settlement letter due to be received.

Please look into this since i am fed up with ICICI Banks Harrashment techniques.

Please take some strict action against Mrs. Gayatri Parab, ICICI Bank, Settlement Dept at J.B. Nagar, Andheri ( East ), Mumbai, India for using abusing langauge with my mother.

Dear Reader

This is Ashish Kumar, working with TCS (Tata Consultancy Limited) had taken a loan from ICICI Bank in Feb 2008. I was told that loan amount of 33 Lacs has been issued for me.

ICICI executive Mr . Parivesh [protected], Mr Rudra [protected] was involved to assist me in order to get the loan.

I got the loan of amount 32 Lacs and rest 87, 000/- INR they did not gave me saying that you will get it later.

Later when I received the check from ICICI Loan Division, it was showing some 87, 000/- INR paid to Lombard insurance. Then I spoke with Mr Parivesh and came to know that without informing me they gave me this insurance policy.

Parivesh told me that he will get me my 87000/- within a week and cancel the insurance, but it never happened. [ I have recorded his voice, commitments in my phone, 30 min - 60 min talk is recorded]

I made a complaint to ICICI Homeloan and Lombard & got the confirmation that an amount of 71000/- is returned to me. I requested them that I want total 87000/ back[ not only 71000/-] and played the recorded voice for ICICI executives on phone which I recorded while talking with Parivesh. Then within few minute they confirmed that rest of the amount will be return to me with 7 days.

Check the forwarded mail, it was showing I get another 16000/- returned by ICICI lombard. So total (71000 + 16000 ) should have come to me but Lombard has sent the amount to HOME LOAN division and they should return it to me.


Now whenever I am calling Lombard they are giving excuse and advising to talk to HOMELOAN and LOAN division says only 55, 000/ is adjusted and they are advising to talk to LOMBARD.

I would request you to help me in this regard.

Note : I have voice recording with ICICI Executive [ Parivesh ] who processed my loan and he has clearly mentioned that insurance was additionally given to you and you will get your money back.

My Name : Ashish Kumar
Contact : [protected] / [protected]
Loan 1 # LBFDB[protected]
Loan 2 #LBFDB[protected]



Best Regards,
Ashish Kumar
[protected] / [protected]
Technical Architect
Tata Consultancy Services
A-78, Sector II
Noida - 201301, U.P
India
Mailto: ashish9.[protected]@tcs.com
Website: http://www.tcs.com

REQUEST NO. SR65420415

ICICI CREDIT CARD NO. [protected]
VALID 05/07 TO 05/11
NAME : LALIT BABU
D.O.B. : 07/07/1980

Dear Sir/Madam,
My name is Lalit Babu R/o 713-B, Baba Farid Puri, West Patel Nagar, New Delhi-110008. I have received a call of One Touch Solution (I) Pvt. Ltd. Tele coller. He was told me about his membership plan and take all of my personal detail as like Mother Name, Father Name, Address, Date of Birth, ICICI Card No. & Expiry Date of Card. I was not done for join this membership but a some of Rs. 5490/- deducted on my ICICI Credit Card A/c No. [protected] by his verification department. Second time I have received again verification call, he was told me that package is sent in your home. I told them that, how can sent on my address of this package. I was not done in his membership. He told me then if you done this opportunity. It is 420 Case because neither I provided three digit Code Number to him nor I have done this opportunity.

I therefore requested to you take the action on this dispute matter on behalf of me on first priority base at the earliest. Give me reply at the earliest. I m waiting of your mail.

They write a mail to me that he will be return back Rs. 5490/- but I have not received any of amount of Rs. 5490/- till date. They are accepting that make a mistake by side of them.
I have already a recording which they are accepting for making of mistake.

I have make lot of call of this matter but I have not received my amount of Rs. 5490/-
I have lot of Losses in this period. So I can’t pay this amount to you.

My Email ID: [protected]@rediffmail.com

You will take action immediately against this Party :

ONE TOUCH SOLUTION (I) PVT. LTD.
G-2, Block, SDF Building, NSEZ, Phase-II,
Noida-201305
Contract Person : PAYAL
(M) : [protected]
Date of Transaction : 21.04.2008 and Amount of Rs. 5490/-

Thanking You,
[LALIT BABU]
[protected]

Dear Sir / Ma'am,

MySelf Rupendra Mehta, From Delhi Itself, I have a major issue with ICICI Bank and right now i am very much fed up because of my financial condition is not good and above that ICICI bank had deducted 10, 000/- Rs. from my saving account without any information or intimation to me. This is purely a theft made by ICICI Bank.

Here I would like to update you with full case study of mine and requesting you to please help me immediately so that I can spread this issue everywhere so that all o[censored]s can get to know what exactly ICICI Bank is doing.

I have a saving account with ICICI Bank from last 2 years; recently I had deposited 20, 000/- Rs. Cheque in my ICICI Bank account, today when I checked online I found that ICICI Bank has deducted 10, 000/- Rs. from my account and account statement also showing 13000/- Rs. in negative. when I checked with ICICI bank they told me that I didn't made the credit card payment that’s why they have deducted the amount, when I asked with ICICI representative that how come you got to know that I had a credit card and didn't made the payment where they said we just assumed and by name and if customer has taken any loan from us and didn’t made the payment then we are liable to deduct the amount from any of his account.

Here my issue is:
1. How come they can deduct any amount from my account without informing to customer or to me?
2. Take an example if I had a credit card and they want money then they suppose to contact me first by address or phone number, where I suppose every bank has all complete details of the customer.
3. This is purely a theft made by ICICI Bank.
4. Here I feel, Bank can do anything for the sake of their own benefit or their own purpose, where as a customer we have to run around number of time to the number of desk.
5. Why ICICI Bank didn’t contacted me that they are going to deduct ‘x’ amount from my saving account, the same question I have asked with ICICI Bank representative, she told me that we don’t have your address and contact number, now the question is how come this is possible where first of all whatever transaction happens in my account for above 5000/- Rs. I always get a sms, they have my mail ID, and they have the address otherwise how come I used to get cheque books by courier.
6. I have just downloaded bank statement where after depositing 20, 000/- Rs in my saving account no transaction happened then how come account balance is in negative.
I would like to update all of you that I am going to lodge a complaint against ICICI Bank with asking a big compensation because I want to teach them a big lesson.

And finally, please be very cautious if you have ICICI Bank account (or any other bank account) anything can happen with you money.

ICICI Bank has deducted 10, 000/- Rs. From my account easily, now for getting the same back (my own money) lets see how much struggle I have to do.

Sir / Ma'am i would like to please take this issue seriously and take an action them immediatly.

God will help….? God knows….!

Regards,
Rupendra Mehta

Hi,
I have one personal loan account with icici bank.
i have made the payment of 38, 000 on the monthe may 5th
2008, which includes pending emi's and penality charges.
I have made this payment on bommnahalli branch of icici bank.
out of 38, 000 rupess, i have paid 16, 000 as hard cash and 22, 000 as the cheque .
16, 000 cash has updated and 22, 000 cheque is not updated in the payments if icici bank.
but the amout in deducted from citi bank account on 13th of may.
My Personal loan A/C: LPHYD [protected].

please check the status of the payment, if there is any delay, i am not responsible for the late payment charges and due charges.

thanks and regards
mahesh.n

I had student account in ICICI bank. After my college days i moved from that place. I have requested to close the account. They have not closed the account. It has not been operated for 4 years. Now my friend mistakenly transfered amount to this account as this account number was registered in his payee list. we enquired with bank they are telling this account is active and amount is deposited in this account. Cheating part is now they have deducted Rs15000 for not maintaining minimum balance for all this four years. I have send several mail to that Branch manager he is not replying. Even I spoke to that branch they are telling manager is not here or busy, they are not connecting to manager. Every time different people attending the call and no action have been taken. The ICICI branch manger, Bangalore where i have now salary account is telling for this problem it has to decided by that branch manager only. I am not getting any response from him. They have taken Rs15000.

Sir/Madam,


This is to request re-investigation of a case related to credit card fraud, which happened in Oct'07, and result of which I came to know about on 05-May-08 when I enquired about the same from ICICI, after a large amount of money (Rs. 50, 934.30) from my saving bank account (with ICICI[protected] was put on lien last week - without even intimating me about the result, and informing me/ getting authorization for deduction from my bank account.


It is all because of somebody – who, due to lapses in the security processes at ICICI in handling credit card – first managed to get both communication address and mobile number changed for credit card issued in my name (which was still in my physical possession), to get a loan on my card, which bank informed me about (on the last mobile no.) and I was able to cancel at least that one. Further, he managed to get an add-on card issued on that card – delivered to his address, and then enjoyed shopping on that newly issued add-on card.


I came to know that somebody changed my communication address and applied for personal loan on my credit card, when I got a call from ICICI around[protected] and they told me that my personal loan DD for Rs. Four lacs is ready and they were about to dispatch it. I was shocked that I had never applied for personal loan ever. Then I asked for my address, and found that it had been changed, along with the mobile no. I was told about an address of Delhi, while I am resident of Gurgaon and residing here for last 5 years. I was lucky that ICICI bank called on the old cell no. before dispatching the DD.


I requested to cancel the DD immediately and also informed ICICI bank to block my credit card account as it was hacked by somebody. I also requested to change my communication address back to the old one and update my cell no. Further I again called customer care on 20-Oct-2007 to cancel all credit cards. The service request id for this request is SR41649048. Then I cut my cards (main card[protected] and another online card which no. ends with 0002) into 4 pieces and dropped into a nearby ICICI ATM. I had also confirmed that my main card got cancelled on 24-Oct-07 from ICICI help line.


To my surprise, after some days I received a call from ICICI bank to inform that some transactions happened on add-on credit card on 26-Oct-07, which was issued against my main card. Again I was shocked, as I did not know that that guy even applied for an add-on card and ICICI delivered it to him. Obviously, I denied having done those transactions, as I had no idea about them at all. Then after some days one person from ICICI (From Credit card fraud investigation department.) visited me to get the dispute form filled from my side and sign it. He assured me that it clearly looks credit card fraud case and we will handle it. You should not worry. Later, I got one letter Ref. no. 110807/179393C dated 09-Nov-2007 from ICICI Bank with all transaction details that happened on add on card, along with the Case Ref. No. (SR[protected].


Following are the transaction details.


Date of transaction Name of merchant Amount of transaction

[protected][protected][protected][protected]----

26/10/2007 Mobile Gallery, Faridabad Rs.24000.00

26/10/2007 Mobile Gallery, Faridabad Rs.56000.00

26/10/2007 Kisalaya Enterprises, Agra Rs.2595.00

26/10/2007 Kisalaya Enterprises, Agra Rs.990.00



After that day, I did not hear anything from ICICI bank – through any medium – phone, email and letter. Suddenly, on 2nd May 2008 – almost 6 months after I received the letter, I got to know that some amount from my savings account was put on lien because of credit card outstanding. There was absolutely no communication (via email, phone call and hard copy letter) after the letter I mentioned just above. Upon knowing this, I enquired with bank immediately, and was advised to contact Credit Card recovery department located at Rohini, Delhi. From there I came to know that the case has been closed after the decision taken by the bank against me, and as the amount was to be recovered from me as per the decision, it has been put on lien from my savings account without even informing me about the same. Moreover, it is a completely one-sided decision, without even enquiring me about all the details.


Now, with this mail, I request to re-investigate the case (SR[protected], and particularly look for answers to the following queries from my side:


1.

When did my credit card communication address and mobile number get changed in Oct-2007?
2.

Why did not the bank send confirmation of address change to my old address?
3.

Did credit card department verify required details before actually changing the address?
4.

When did that fraud guy applied for add on card?
5.

Did credit card department verify enough details from that guy before actually honoring the request?
6.

May I know the request id for request of add on card?
7.

Do you see any photo Id of main card owner when you actually deliver the add-on card? If yes, please let me know the details of Photo id you got when you deliver add-on card no. [protected] (as stated in the letter)?
8.

Why did not all my credit card been blocked on[protected] after I informed about fraud on my credit card on phone?
9.

How the add-on card was active, when the main card was cancelled on[protected]. (The transactions on add-on card were done on[protected]
10.

How am I responsible for transactions made on add on card no. [protected] on[protected] even I request for cancellation again on[protected]?
11.

Why wasn't I contacted about details regarding the case, during the case investigations at all?
12.

Why was I not informed about the one sided decision taken by the bank?
13.

How can credit card department put amount from my saving account on lien for recovery without informing me/ my authorization?


I would like to have this case reopened and re investigated at the earliest possible. Also, please remove the lien on my saving's account at the earliest.


I request you to please contact ICICI bank and remove lien on my savings account as it is pretty straight forward case of fraud, and as I had got my card cancelled on 20-10-07, I do not have any liability to pay for fraud transactions done on 26-10-07.


Looking forward to an early and favorable action from your side.