ICICI Bank Complaints & Reviews

I am Pranjal Barua using a ICICI credit card but long time back after making some minimun payment i failed to pay the amount in regular basis as i had to leave job for some of my studies but still i joined a firm so i can arrange some income. Infact initially i have been communicating with ICICI for settlement & make some provision for me to repay the amount in instalment basis but they refused the offer. Now they are calling at home & me n using all abusing words & threatning me or any of my family members .
Can i take legal action agaist the recovery agents for using vulgar language against the family members for non payment of dues?

Please help how can i go ahead with this this is really a big humiliation. i want to pay the outstanding but they are not providing any kind of helping hand. There is no CSAT ( Customer Satisfaction) seriously ICICI is all ...

Please help

Looking for a Prompt Reply

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

From: DEEPAK KADIAN (DEL)
Sent: Tuesday, February 26, 2008 1:58 PM
To: 'ICICI Bank Customer Care'; 'jitendra.[protected]@icicibank.com'; 'krishna.[protected]@icicibank.com'; 'anil.[protected]@icicibank.com'; 'harshil.[protected]@icicibank.com'
Cc: '[protected]@icicibank.com'
Subject: RE: 'ICICICARE=[protected]' Big concern about personal loan
Importance: High



Hi,

Today, third time I got SMS that “Application for personal loan has been approved Ref. no. is 59368383” now ref. no. is changed so what should I understand old ref. no. were only for customer satisfaction or to make fool that something is going on.

How many yearssssssssssssssssssssssss require for such a small amount loan. Could I expect any revert from respective senior persons. I m following since around 2 months.

Will somebody help me!!!!!!!!!!!!!!!!!!!!!!!!!!!!



Regards,

[protected]-------

Deepak Kumar Kadian

+91-[protected]


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

From: DEEPAK KADIAN (DEL)
Sent: Monday, February 25, 2008 5:08 PM
To: 'ICICI Bank Customer Care'; 'jitendra.[protected]@icicibank.com'; 'krishna.[protected]@icicibank.com'; 'anil.[protected]@icicibank.com'
Cc: '[protected]@icicibank.com'
Subject: RE: 'ICICICARE=[protected]' Big concern about personal loan
Importance: High



Dear all,

I am really mentally harassed by DSA & Pitampura Branch ICICI persons. Again they changed their commitments that they would be able to provide the loan amount of rupees 1 lakh in 12 EMI’s instead of 1.5 lakhs in 12 months EMI.

But as per urgent requirement I agreed to take 1 lakh on a condition that if provide the same as earliest means up to today only and again the time is extended by them. Some body called me & saying now your file is disbursing, the amount will be transfer after two days.

I am really in trouble situation, no body helping me out in case. Some of calling from ICICI & assuring that solution will be provided very soon. But still everything is same only the harassment - that why I applied for a loan in ICICI bank!!!!!!!



Regards,

[protected]-------

Deepak Kumar Kadian

+91-[protected]


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

From: DEEPAK KADIAN (DEL)
Sent: Friday, February 22, 2008 1:17 PM
To: 'ICICI Bank Customer Care'
Subject: RE: 'ICICICARE=[protected]' Big concern about personal loan



Dear Krupa,

Actually I want to update one information with you that I am working with IBM and my client site is Vodafone mobile communication Ltd. That means from morning to evening I am available in strong network site and if any calls not getting through I always got MCA (miss call alert) for the same, that I don’t had.

Anyway yesterday I again got SMS from ICICI that “Application for personal loan has been approved Ref. no. is 59065544” so there is only fake SMS alert, DSA’s miss communication, no coordination through bank, no loan amount all the things going against the requirement.

What I was expecting from you that at least solution will be provided very soon but here it is mentioned that “We will revert to you by February 25, 2008” it clear means only revert no solution.

It is very bad experience with ICICI that I am suffering a lot. Pleaseeeeeeeeeeee help me only to know that next escalation step in ICICI because at this level no one is helping me out.

Plssssssssssssss help !!!!!!!!!1

Regards,

[protected]-------

Deepak Kumar Kadian

+91-[protected]


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

From: ICICI Bank Customer Care [mailto:customer.[protected]@icicibank.com]
Sent: Thursday, February 21, 2008 2:23 PM
To: DEEPAK KADIAN (DEL)
Subject: RE:'ICICICARE=[protected]' Big concern about personal loan



For quicker resolution of your request/query, please write to us through the "E-mail Us" option. This option is available on the first page at our website, www.icicibank.com, under "Reach Us".".





Dear Mr, Kadian,



We tried calling on your mobile [protected] number, however you were not reachable.



We have made note for your request for the Personal Loan and your service request number is SR56795147.



We will revert to you by February 25, 2008.



Sincerely,

Krupa Mehta
Customer Service Officer
ICICI Bank Limited

You may write to us at www.icicibank.com using the " E-mail Us " option, For details, click on https://infinity.icicibank.co.in/web/emailus/jsp/emailUs.jsp

ICICI Bank introduces Mobile Banking for Loan Customers. Now ask for your loan documents via your mobile phone. For details, click on http://www.icicibank.com/Pfsuser/channels/mobile/loanalerts.html

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The notice appended to the e-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.









Subject: Big concern about personal loan





Dear sir/madam,

I here by inform to you that I am suffering a lot due to non co-operation of ICICI bank & rude behavior of DSA Please let us know my problem in brief:-

Around a one & half month back I got a call from Ms. Gurlin (telecaller in DSA, Credit alliance, Janak puri, New delhi) and asked me to take the personal loan @13.5% ( but it was also changed to 14% at the end after insisting) reducing rate and after two days all the documents were collected from me. She assured me to provide the loan within week & introduced herself as ICICI bank executive. After many follow ups she again asked me to collect my current month salary slip and again same was provided.

On 8th Feb, 08 at 0950 hrs, I got an SMS from ICICI bank that “Application for personal loan has been approved Ref. no. is 59065544” and then I asked to Gurlin that my loan is approved please tell me that how long it will take she realized me that with in two working days it will happened but PDC cheques and MID form require, same day it was collected and provided by me.

Cheque Details : PDC cheque no. = 102827 to 102838 and clearance date 05 march of every month.

After so many calls to DSA, they were now trying to ignore me then I called up ICICI Cust. Care with complaint no. SR55508313 but no action taken on the problem & SR was completed. And parallel I had lost my relations due to money with my relatives because I assured to give the amount very urgently after loan taken but really I was not aware it will take a very long time even after my company IBM in cat. and everything was perfect. After some days I again call up ICICI Cust. Care and asked about previous (SR [protected] & I was surprised after knowing that without any action it was complete. Again they logged a complaint SR 56514272 but now I don’t have much believe in bank & DSA due to this.

And I got some information that my file is handled by Mr. Yashir Rehman ([protected]) in Pitampura Branch so I had had a discussion with but no help was provided by him & clearly denied to elaborate the things.

My first EMI is about to go after 13 days and I don’t get my amount till now. I am mentally suffering a lot.

Here DSA is about to making a bad image of ICICI bank in customer’s point of view. Please assist me in about the issue.

I want an urgent reply, please revert asap. Waiting for your affirmative response.

Regards,

[protected]-------

Deepak Kumar Kadian

+91-[protected]







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Hi,

I am Joy from Kolkata.I have never found a fraudulant bank like ICICI.Bank agent used to stand infront of our office and always try to push credit card and they do it untill u get one. Likewise I got my card and they use to chrge interest inspite of paying dues in time. After sometime thay called me up and said they will send their agent to collect my dues but that agent did not turn up. Now I had to go USA for 1.4 years and by the time they did lots of harresment to my family even threatened to kill them. I called them up and asked to sattle the account and they agreed buit never turned up to collect the money. Once I back from USA I trensferred money to ICICI bank and they widrawn money from my account without my knowledge. They charged me 97000 while my outstanding was only 40000.

I would like to file a compaint with consumer court. Can anyone help me on this?

Anyone can call me at [protected].

Thanks,
Joy.

, Personal Loan Account
LP CAL [protected]
For last one year , every month I am to painfully explain the mistake made by ICICI;the position was clarified to their officials some of whom visited my residence and verified the records. On three occassions,I visited ICICI office at Gurusaday Dutta Road (ICICI Bank House, 2nd.floor,Personal Loan Department,3A,Gurusaday Dutta Road.) and request them for rectification of their records.

The registered letters remained unreplied. I am being reminded every month of non-payment of one instalment;my records show all payments have been made and I wanted to know the particular month when the payment was made. They do not reply.

ICICI raised two debits against one and when the next month's debit has not responded (due to inadvertent earlier extra debit),they did not adjust the entry.The story goes on.

Against one debit,they raised two debits and my account was debited twice.I pointed out their blunder.Debits raised :

07.12.2006 Rs.4982.00
19.12.2006 Rs.4982.00

I do not whom to approach for rectification.

Thanks

amar lahirimajumdar.
26/2,PGM Shah Road, Kolkata 700033.
[protected]

Dear Sir,

I have opened 3in1 A/c with the name of Mrs. Pankaj Saxena & Mr. Ram Lal Saxena. Application Demat A/c No. : [protected] but I could not received Demat A/c and also not a single communication from ICICI Bank till date.

With Regards,

Pankaj Saxena
E-1/12, Ganga Triveni Apartment,
Sector-9, Rohini
Delhi - 85
Mob. No. : [protected]

Dear Sir/ Madam,

My name is Mrs. Seema Marwah from Ghaziabad, (U.P.
).I m a customer of ICICI DIRECT since last one year. ICICIDIRECT is one of the worst trading portal which will not be available when you need them. Doing trding using icicidirect in itself is as volatile and risky as stock markets.I made lots of losses due to the problems in their working styles.
today i again made loss as their site get down again around 1.30 and didnt open till 3.30.
customer care executives of icicidirect keep me all time on hold and never ever they provide any solution to my problem. I really feel like an handicapped who is lossing money due to others fault.
I want to compensate my losses incurred due to icici direct site
failure.I request you to guide me in this regard.
seema marwah
ghaziabad
[protected]

I am Icici Bank credit card user, I never use my card for cash withdraw, and also I don't have pin to access ATM.But on 23 feb I got sms from bank that , you withdrew 20,000 rs from your credit card,that time I sent mail to Icici bank customer care, but till date I don't get response from them.Also I called to call center dept.,She said, the approval is showing for 20,000 rs on your a/c,when i told her all detail and when she checked information i my A/C, She said it should be technical problem,you don't have to do anything now.if it show in you monthly bill.then try to dispute it.

If icici bank not supporting his customer and treating like this no one would like to be with Icici bank.

thank you

vijay

To
The Manager
ICICI Bank Ltd.
Sir
I happen to be one of your customers with two home loans, the numbers being LSBGI [protected] and LSBGI [protected].
I have not yet received the statement of payments made as principal and interests against the said loans.
Therefore, I request you to make it convenient to issue the statements against my loans.
Thanking you
Yours faithfully
Mohammad Yasin
North Bengal University
Dt. Darjeeling.

December 2007

I lost my credit card on 20th September 2007 and three fraudulent transactions amounting to INR 11421/- took place. I informed the bank that I do not stand liable as the credit card had my photo on it, the transaction slips did not have my signatures, and it is primarily the liability of the merchant, or at best the bank, as they fail to ensure that the photo is validated. I raised the dispute putting forwards these issues and expected a coherent answer from the bank for the same.

I initiated the formalities at my end by lodging a police complaint, faxing across the police complaint, and a dispute letter to ICICI Bank (complaint no. SR[protected]. The handling of the procedure right from the start was at best pathetic on the part of the bank as it took me several efforts to get precise information about the logistics of the formalities from the ICICI customer care and to put across the complaint letter across ICICI. Eventually ICICI’s investigating officer (Mr. Govind Singh) also collected the copy of the documents from my residence. Later, he also asked me to fill up a form and post it across Mumbai, which I did.

The bank eventually resolved the dispute in the bank’s favor and asked me to pay up the fraudulent amount without any regards to the issues I had raised in the dispute, as specified above.

My repeated attempts to request ICICI Customer Care (through ICICI netbanking account) to hear my plea, as they did not responded to the issues I raised, turned futile. As advised further by the ICICI Customer Care, I even sent across a hard copy to raise a dispute to get my concerns appropriately addressed. I did not get the response and only after repeated emails, I started receiving insensitive replies that I need to pay up. Moreover each time there was a new official corresponding who never took the pains to go through the entire communication and just replied that I need to pay up. I repetitively insisted that if they had any queries then they should call me up and I’ll be happy to address any issues, but it was of no use.
After this they (ICICI Customer Care) emailed across their investigational report. I was outraged and horrified on going through their investigational report. The report comprised of consistent lies that the investigating team tried to contact me on phone and I did not responded well. The only time they called me up was when they asked me about the number and the value of fraudulent transactions made while I was in a meeting at office. In reply I requested them to please check out the communication and the dispute I’d raised and then get back to me.
Moreover, the team asked questions and answered them themselves. For example, the report raised a question as to why did I delayed registering the complaint although I received the SMS on my mobile around 30 min before. In conclusion, they seem to doubt my intentions without even asking the question to me. (In fact, the real reason was that I was driving towards home (Delhi) from office (Gurgaon) and I saw the SMS on reaching home). They also indicated that my relative may be involved and that the photo was not clear.

It turns out that the ICICI investigation team is involved in a cover-up process by generating a farce report. The report is totally absurd without any proofs and any coherent process being followed. Moreover the whole process at ICICI is insensitive, clueless, and irresponsible in its approach.

I intend to only pay for the amount liable to me and not for the fraudulent transactions. Moreover, I am hassled, stressed, and outraged by ICICI’s approach towards their customers. I now intend to take-up this issue to ensure that this does not get repeated with any one else and the bank acts more responsibly to ensure a safety mechanism to prevent misuse of the credit cards.


February 2008

ICICI continues to harass me on the phone and had sent a recovery agent at my home today. I am totally hassled and am seeking a way to put message straight across to ICICI.

I have followed ICICI Bank collection department for many times, but these guys don't know how to talk and don't stick to their words. I was making payment regular on EMI basis, 2-3 times i failed to pay amount, then suddenly they auto debited all my salary from my account and my account balance turned negative -52K. After that they tried to threat us in diff ways and dropped me following mail. Please guide me how to deal with...

To,
The ICICI Credit Card Manager

Subject: Regarding raising dispute for transactions on my card.

Dear Sir/Madam,

I have been issued ICICI Amex Card: XXXX XXXXXX X9006 in 2006. I have not used this card either online or at any swipe machine or in any ATM. The card was safe in a locker. Nobody else has access to the card. I have never provided card details to anyone on phone or internet. Indeed the card is still glued on the same paper as it is dispatched by your office. Thus there are no chances of getting the card details such as card number, CVV number, and expiry date etc.

On 25/02/2008 I got 4 SMS for following transactions:
"You made a transaction of INR 35,123.00 on 25/02/2008 using Card XXXX9006 at Eseva-Epayment" 4.17 PM.

Please investigate this dispute and provide me with a written statement of the outcome.

Regards,
Amit Kumar Garg
Ph. [protected]

credit card no. [protected]
I had cancelled my card nearly 6months back but i have been receiving the statements every month with late fees,
the amount charged on my add on card on 09/07/07 for 2095 & 569 have not been used by me for which i had sent a fax
on 22/08/07 to mumbai branch and they replied that it would take 90days to resolve the problem.After which there has
been no reponse from the bank and last week i get a call from the legal office saying that i have to settle the amount
for which i have not used at all.I tried a zillion times to customer care asking me a way out for this problem all i know
they are just shifting their responsibilities to someone else which is highly annoying and frustrating,they told me
to contact rajlaxmi[protected] which i never get connected to. Please solve the problem at the earliest and acknowledge
me the same.

Dear Sir,

I have an account in ICICI Bank, Johri Bazar, Jaipur.

Account Number[protected]

Account Holder Name - Arjun Singh Bisth

I issued a ICICI Bank's cheque of Rs. 72,000/- on 19-Feb-08 and deposit it in Indusind Bank same day.

I have Rs. 72,044.40/- in account on 19-Feb-08.

On 20-Feb-08, when my cheque has to present in ICICI Bank, Rs. 111/- has been debited from my account for Debit Card Fee without any information. Due to this my account balance was 71.933.4/- and ICICI Bank charge Rs. 393/- from account for cheque bounce (Insufficient Fund).

Sir where is my mistake, when i said to icici officials to refund they refuse it.

Now what should i do.

Arjun Singh Bisth
Mob - [protected]

Dear Sir/Mam,
I had open three in one account in the year 2001with ICICIDIRECT.COM. following are the details of it.

TRADING A/C- [protected]
BANK A/C[protected]
DEMAT A/C[protected]
Sir, for the above mention account i have submitted three time KY- FORM to Kanpur ICICI BANK, THE MALL but my accout still remain suspended and when ever i personaly visit them they say that because of KY FORM (FLOOD ISSUE) it is so, therefore kindly refil all the information and submit. As with ever time submission of form we dont get any recieving from the bank, therefore we dont have any proof of it. This time i resubmitted the form on december 10th 2007 and i took the mobile no of the concern person i.e. Mr. Pratush ([protected]). After contracting him he said there was some problem in your form try to speak with MR. MUNISH ([protected]) . He told that you had joint account and i need all the details of other holders and for further discussion call Mr. ABHISHEK ([protected]). I Spoke to Mr.ABHISHEK he was quite considerate and told me that till this time he has not even recieved the form and he'll coordinate with Mr Munish for the same and ask me to call him after two days. I contact him after two days , he said he's going for some meeting and will get back to me after half an hour but he didnot. Now for last two days i'm calling him and mr munish as well but both of them are not responding my phone.
Sir, i have already closed my joint account very first year and joint holder was my sister, who is married and she is in United States and i dont have her PAN CARD.
Sir, my request is that you kindly dont activate my joint account but activate my sole account. and if that is also not possible i'm ready to close the account and some scrips are there in my account ,kindly return them in physical form. As i have activate auto debit option from my bank account you can check from that account i'm being billed/charged for maintainance of single/solo account.
i hope my case will be considered at the earliast.
Thanking you

Sicerely,

Dheeraj gupta
105/508 1st Floor,
Anand Bagh,
Kanpur- 208001
Mobile: [protected]

Dear Sir
One of the Most unfortunate thing which I did in my entire life was to visit ICICI Direct - Jogehwari Branch on 21st December'2007 to open my Deemat & on line Trading account. I met Mr Ashish Taneja(Relation Ship Manager) who explained me the procedure and gave me details of all the documents required to be submitted by me.Also promised that the account will be opened within 21 working days. I handed over all the documents in 22nd December'2007 and was informed by Mr Ashish that I will get my online trading account before the Reilance IPO opening day. Till 15th January when I did not get any call . I went to ICICI direct branch to enquire about the same. I was told that Mr Ashish had been transfered and Mr Sanjay Yadav will take care of my Account.Mr Sanjay Yadav promised that I will get My Deemat A/c before the Reliance IPO closure date(i.e 18th Jan'2008).I Didn't get any response from any of ICICI person till 17th Evening. Again I went over personally to the Branch and was informed that you can Bid for the IPO offline and ICICI will provide the OFFline Deemat code and was told that in next three days I will get My Deemat Online trading Account.
Even after 27th Jan'2008 when I did not get my online account I went to branch . I was told that my form has been rejected due to my signature not tallying with my Base accounts . I am surprised that after one month they came back saying my form was rejected . I personally went along with Mr Sanjay Yadav to my Base account branch and had my Signature verfied.After all this process I was told by the Acting Centre Incharge that I will get my Account Number before 5th Feb'2008.Even till date i have not got my Account Number and I am still waiting for a response from ICICi person - Mr Sanjay Yadav- Relationship Manager, Mr Mahesh Shinde -Centre Manager, Mr Ujwal Kumthekar- Cluster Manager, Ms Pragya Kalia- Zonal Head. This is the worst service I have seen in my life. The supervisory staff at the ICICI direct.com have very lethargic attitude towards thier work and not worth their Salt , Are Rude to the customer.

Pls help me. I want to file a legal complaint against all the above ICICI direct staff . Pls advice.

To
The manager
ICICI

SUBJECT; for income tax certificate of housing loan account number
LBJAI [protected], (NOT ABLE TO GENERATE AT JAIPUR BANK)

SIR,

IN ABOVE reference my loan is wrongly mention
As top up loan .this loan is take up by other bank
From last so many year I am gating income tax certificate so please sand me
I.T. CERTIFICATE this year also.
Thanking you

I HAVE TAX SEVING BOND NO REF.NO.C[protected] HOLDER.MATURITY ON 2006. LAST TWO YEAR I HAVE WRITEN SEVERAL LETTERS BUT ICICI BANK NOT PAID MY AMOUNT SO FOR. ONCE AGAIN I REQUEST ICICI BANK TO KINDLY PAY/SEND MY AMOUNT TO MY GIVEN ADDRES
AJIT SINGH
H.NO 559 KHA/149,SRINAGAR,ALAMBAGH,LUCKNOW-226005 MOB.NO.[protected],[protected]

I, Rashmi Rathi holding ICICI credit card.My card number is : xxxx-xxxx-xxxx-xxxx.

This is regarding the credit card bill which the ICICI bank is continuously sending me.The bank paid mobile bill which did not belong to me and without asking or intimating me.

Now after 1 year, I am receiving threatening calls that I will be arrested by some collection agency. If thats the same I am ready to launch an FIR in the nearest police station and case a file against the bank with Human Rights.

As far as my knowledge the ICICI bank does not have any paper or electronic authorisation to pay my mobile bill on behalf of me.

please let me know the status of my personal loan processing, reference number[protected]

dear sir,
i had taken a loan of 35000, of icici bank on credit card in which they had told me that there will be a service tax of 3300 aprox per month for 1 year, and i have deposited 17000 approx already paid,but on 11th of this month i deposited 20000 cash in my account and they link my credit card account to bank account without giving me any information,as i was paying my loan ontime and due to some problem i was unable to pay two month money atleast they should inform me but they did not told me and sieze my account.
so kindly look into matter because due to this my whole work of financial suffered.pls ask them is it right to sieze my accont without information..

dheeraj kumar pandey.
card no [protected]
icici bank account no[protected]
mobile no [protected]