ICICI Bank Complaints & Reviews

January 28, 2008

TO,
ICICI BANK LIMITED
CHARGE BACK DEPARTMENT
MUMBAI
FAX NUMBER[protected]

REQUEST NUMBER: SR53596364 DT. 28/01/08

SUB: DISPUTE FOR TRANSACTION “ RS. 3908.46 TO HOSTMONSTER.COM ON DATED BACK 21/12/2007

DEAR SIRS,
I HAD RECEIVED A SMS FROM YOUR BANK ON 21/12/2007 FOR ABOVE TRANSACTION AND THAN I HAD IMMEDIATELY REQUSTED TO BLOCK MY CARD AND PUT IT IN DISPUTE SUBJECT AS WELL AS I REQUESTED TO ISSUE A NEW CARD. THE COSTUMER CARE EXECUTIVE BLOCKED MY CARD AND ISSUED NEW ONE THAT I AM ENJOYING NOW. I AM SORRY I COULD NOT NOTE REQUEST NUMBER ON THAT TIME.

TODAY, I CHECKED YOUR BILL AND SEE THIS TRANSACTION HAS STILL BEEN SHOWING IN MY ACCOUNT AND I AGAIN CALLED TO COSTUMER CARE AND REGISTER NEW COMPLAINT UNDER ABOVE MENTIONED REQUEST NUMBER TO SOLVE IT AS EARLY AS POSSIBLE.

I AM EXPECTING THIS DISPUTE WILL BE SOLVED AS EARLY AS POSSIBLE.

PLEASE LOOK INTO THE MATTER AND DO THE NEEDFUL.

I AM FULLY AVAILABLE IF ANY QUESTION OR CONCERNS YOU MIGHT HAVE.



SINCERELY



DC TYAGI
MOBILE: [protected]

REF: Complaint number[protected]

I initiated a funds transfer from my savings a/c (branch: Nungambakkam/Chennai) to some account no in SBI through internet banking and very quickly we realized that there is no such account number existing in SBI and so an invalid account number.
But the amount has been immediately debited from my account and I lodged a complaint against this with ICICI bank/Chennai. Given an invalid/non-existing recipient account number, it is much ethical that sender bank is supposed to credit the amount back to the customer at the earliest since the amount cannot hang in the air. I am at the moment away from India and I have been spending a lot of ISD calls speaking to ICICI to sort the issue out but unfortunately none of them is giving a positive response on this. I have been a loyal/prospective customer with them since 8 years and this is the return i am getting back from them, just playing with customer's hard earned money. Also one of the customer service persons has called up my father (who is a busy advocate in chennai high court) and asked him to speak to SBI branches. How can they do this? How come they can expect the customers to do the investigation when they are supposed to investigate and answer us? Now, i really regret to say that I am a customer of ICICI. Last week, I managed to get one Mr.Venkatesh (floor manager) on phone and he promised me that they will do all the investigations soon and get back to us crediting the money back. But unfortunately, it hasn't happened yet and today morning, I again spoke to one Mr.Srikanth (floor manager) and he has promised me to revert back to us soon. So, keeping my fingers crossed, i have been waiting to get back my money soon. If the service continues to be bad & bad, what is the answer to all the prospective ICICI customers who have been trusting the bank.
I want my money back at the earliest finally.

With lots of regrets
Sriram Swaminathan
ICICI customer

“Dear Sir ..I’m abhishek duggal writing this mail to you to bring into your notice something very unprofessional and highly careless attitude of your employees at the ICICI home loan branch Bathinda(Punjab). I and my wife had jointly taken up a housing loan of Rs. 18,00,000/- approximately in April 2006 from your branch at Bathinda to buy an un-built flat at Shivalik Enclave, kharar landran road, mohali(Punjab).My loan account file number is LBBTN[protected].. My bank saving account in ICICI through which I’m auto debiting my monthly installments is[protected] with ICICI Bathinda. I paid the rest of the desired amount I had to contribute from my side to complete the terms and conditions of your bank of total amount of Rs23, 50,000/-. Since then I’ve been paying the installments regularly without any delays or problems. Now the biggest problem is that the possession of the fully finished flat for which I had taken the loan was suppose to b given to me by shivalik infrastructures and developers in May’07. But 2 my utter disappointment the property is hardly 50% complete till date. I’m in process in legally suing them. On top of it, your Bathinda branch didn’t even bother 2 take a survey as to how much construction is complete and accordingly the loan amount should b disbursed proportionately. But you’ll be amazed to know that at that time when the last installment of the loan was disbursed to the builder by your bank in march 07, the construction was hardly 15% complete. i’m attaching the copies of photographs clicked at that time in march 2007 which clearly show the stage of the construction and the record of disbursement of is best available to you at your own hands. Full amount of the loan has been disbursed by your bathinda branch for a property that has hardly started its construction by march 2007. More so the irony is that your chandigarh ICICI housing loan who was incidentally funding the same project DID actually stop disbursing the payment way back seeing the construction rate accordingly. This is gross. It shows the absolute careless and totally unprofessional attitude of the people employed there. I did talk 2 the manager Mr Jaspreet Mann immediately to bring it into his notice as soon as I realized that no construction was going on in Shivalik due some internal dispute. It was me who informed him that the project is as good as dead and that chandigarh icici home loan branch has already stopped makin any disbursements to the builder instead of him following it up and then disbursing the installments. And he promised 2 revert back 2 me on this. But I’m sorry n disgusted 2 say no one has not even bothered 2 call me even forget taking any corrective measures about the grave situation. I’m bringing it into your notice now that this has really affected me lots now. I’m paying interest on full 18,00,000/- to the bank n I don’t even have the property in my possession as in today. This is a sheer example of non caring attitude, careless, unprofessional behavior at your end as to how could bank pay the full amount without even reviewing the construction stage of the said property and then even after telling them no one cared 2 get in touch with me forget taking corrective action. I’d like 2 bring in you notice that the receipt forms were got signed from me together in one go so as 2 facilitate the internal process of disbursing the loan amount since I was getting transferred 2 ludhiana in the initial stages when the loan was issued. This for your information now that even after this forwarding, if no action is taken by the bank, I’d b forced 2 stop paying any payments 2 the bank and take up the case legally in the consumer forum. I’m shortly sending legal notice through my lawyer to your bathinda branch. I’m sending this email to you because now I have lost all the faith in your banking institution and feel this is the least thing I could expect from ICICI and that no other person has to go through so much at the hands of some stupid people who hardly know how to handle things and are totally un-professional. I’m absolutely disappointed as I have to suffer mentally and financially from my hard earned money at the carelessness of your people. Please make sure you take necessary action against the employees who are at fault. I’ve been forced to withdraw balance from my savings account now as I can’t pay any installments till the things are sorted out between me and you and the defaulting people are taken to task. I’ll not be at fault now for the outcome of this bizarre and unfortunate situation created by your branch.

A month & half back i got call through Espertease india pvt ltd-a DSA of ICICI credit card and lot other credit cards, asking whether i want to apply for ICICI Emi Card,well i said i would be interested, Customer executive from Espertease india pvt ltd came and he took Application form Fee which nobody takes ,well after that after complaining they took no action against executive,i have asked them to process my application it took 1 and 1/2 month.............the thing is that i have applied for ICICI EMI card and i am getting verification call from HSBC........I dont know how ICICI Credit card division appoints these DSA without knowing the background of the company................we customers have been cheated and these DSA sell our identity and Mobile nos to others and we get unwanted calls
I think something should be done against this
regds
shailesh

I have taken a policy last year (Policy Number[protected]. Annual premium policy for this policy was 60000. I was repaid 6000 as 10% of the annual premium and was promised of the same for the next 2 years.

The advisor details given for the policy on the website are as follows

Preeti Singh B7/18 Sector 4 Vishram Chowk Rohini Delhi. [protected]

If I call then Mr Harish is taking up the call....

Dear Sir/Madam,

- I am an Army Officer and am presently posted in J & Kand had applied for 12 shares of ICICI Bank during their last IPO vide my appli No 93511974 and accordingly paid Rs 10,800/- for the same. 12 Shares were alloted to me and I was even refunded Rs 120/-. However till date the same shares have not appeared in my wife's demat acct through which the payment was made.

- I being in the army and posted in a remote area am unable to follow up the issue. my wife has contacted one Mr Dheeraj and Mr satender at the ICICI Bank Branch at Barakhamba Road New Delhi who have been utterly unhelpful. mr satender infact has been lying to say that he has quit ICICI bank!

- I will be grateful if this complaint can be taken up at an appropriate level to obviate unneccessary harrasment of a serving officer of the Indain army

- Thanking You in anticipation

Ranjan Mallik
[protected]@gmail.com

ID:5509471 card no.[protected]
Sir,
I spent 34091-on ECFMG Fees on 24.09.07 and paid 33000- on 4.10.07.I was given a free CR Use of 100-These details are shown in credit card statement for July13-oct.18,2007.Thus I was supposed to pay 990.12 more by Nov.9,2007. I forgot to pay this amount when on 28th Nov. I got a call from the bank asking to make an immediate payment of Rs.1834 which I did the same day by cheque no.196616 PNB.I also wrote an e-mail to your complaint section saying that for a period of 18 days between Nov.9 and 28 this doubling of the amount was absolutely unjustified and unacceptable and also that it was illogical and illegal to charge interest as well as late fees on late payments.In response to this Rs 843 were reversed in card statement of Nov.18-Dec.18.Since I had paid 1834,this reversal would mean that I would have a positive balance of 843.I was surprised to see that in statement from Dec.18-Jan.18 2008 I am again supposed to pay 1834 whereas actually I should have an excess of 843 on the positive side.If this is inadvertent,it may please be rectified and if done knowingly,it is highly deplorable and unacceptable.Thanks.Harsh Sharma

Ref : ICICI Complaint Request Ref No SRS14979869

On 25th August 2006 I booked an E-Ticket on Air sahara as per details given below.
Date of Booking - 25th Aug, 2006
Flight No Air Sahara S2-224
PNR No- JSJ53
This ticket was cancelled on the same Same Day as per details given below. Ref No ASK149175.
Till date even after 17 Months my a/c is not yet credited with the cancelled amount. ICICI customer services has nothing to say on this. I have written reminder letters to ICICI Charge back dept, II Floor, Empire Complex, 414, Senapati Bapat Marg, Lower Parel - Mumbai 13. Very much disappointed with ICICI Bank's response in this matter.

Ref : My ICICI Customer Complaint Ref No SR44404098

On 29th May, 2007 my credit card was debited with Rs41,556.27 (S$1512.1) against my Hotel bill at Singapore. On 17th Oct, 2007 same charge was debited Rs42,362.27(S$1512.1). I have registered my complaint as referred above. Singapore Hotel has owned the mistake and credited ICICI bank with S$1512.10 on 1st Nov, 2007.(Documentary proof available)
Till date this wrong debit amount of Rs.42,362.27 has not been credited or released to my available balance. Due to this wrong debit my card has been debited with Intrest Charges,Late payment fee,overlimit charges etc which I have refused to pay in full. Request you to take up the matter with ICICI Bank and reverse the wrong debit entry and also reverse all the additional charges charged by them

hi i m Rahul Malik & working in Anand Rathi. I have applied my credit card near about last 2 months ago but there is no responce. now when i call in their coustomner care they told me that my c. card has been declined. but they no give me any reason.

Dear SIR,
Ihave a credit card number[protected]
we have used 9000 rupees with the card and paid in time with the other charges
I have broken the car and put in the drop box in atm centreI have also sent a aletter to the bank regarding caancellaation of the saame card.
aagaain I have received the statement thaat I have to pay 947 rupees more.SIR,now how and why should I Pay more I am a small employee.
please look after my compalintand send me a letter otherwise your bank stafaf will call me 20 times in a day and harass me
thanks
Ravi Raj chawla
m47a street number 5
new mahavir nagar
new delhi=110018
ph-[protected]

I am Naseem Ahmed and I have a Salary Account[protected] with ICICI Bank for the past 1.6 years. I have received the shock of my life today.

Your bank has debited all the money from my account and it shows a balance of Rs:19,493/- without any intimation and I would like to bring to your notice that I had called up your customer Care department to ask them and they said that its against your credit card bill.

Well Did I authorize you to access my account? Why was it done without my authorization? Does your Bank know what discrepancies I am having with the Credit Card department? I had gone down to the bank to discuss the credit bills I was receiving and they told me to complain to the Phone Banking department as they are a different ENTITY..!! So, how could ICICI give the credit card department the authority to access my account? I am hereby serving this as a notice that I would not like to be a part of such unprofessional Bank or have anything to do with them.

I had made several complains to the Credit card department for the wrong bills and corrected them but there was no action taken from their end for which I had stopped the payments and was waiting to settle with the Credit Card Department and finish off but with this having happened I will NOT MAKE PAYMENTS.

I also have loan going on with your bank why don’t you go and check if there ever has been a delay in the EMI? Code of the Loan is LPDEL[protected], but now the EMI for the same will be dropped because of this suspension of my account.

Please take this as a Notice from my side that I do not wish to be a part of this Bank anymore. My account number ********7873 close the account and DO NOT EXPECT any payments till the credit card issue is not resolved.

Bank Account #[protected]
Credit card # [protected]
Personal Loan # LPDEL[protected]

To
The manager
Icici personal loan

Dear sir,

i am Omprakash Singh from Ferozepur (Pb), working as Veterinary Doctor in Nestle India Ltd. Moga (Pb).,, i was applied for the personal loan with icici bank in Bhatinda,, in 1st week of Jan. 08, the concern executive (DAS Associates Ferozepur Mr. Deepak Singla:[protected] said with in one week you can get the loan
, i am also agreed, 15days back that executive called your loan got approval you should give 18 cheque leafs with sign, i have done all the formalities , after nobody didnt responce, i repeatedly contacted concerned executive but he is just passing the time,, now also he said give me one day you will get the money ,, its 15 days over ,, i dont know what icici peoples doing when i get the loan ,, iff its possible or not,, they will return my cheque or not???????????????? otherwise please be ready for litigation.
thank you.
aplication/reference no: 59017455


thanks and regards
Omprakash Singh
Mob.[protected].

I hold a savings account with ICICI for the past seven years. I do not have any credit card linked with this account. Recently I have two fraudulent transactions on my account worth Rs. 10570 and Rs. 880. When I called the customer service rep, after so many phone calls and a long wait, he told me that my account has been "wrongly" linked to another credit card holder and it seems that that person is withdrawing money from my account. My God, I am almost shattered by this response. What a security breach! I have decided to close my account. The bank has not emailed me, there is no way we can reach the account managers, and the call keeps getting routed from one customer service rep to another. I hope I get my hard earned money back which I had saved for so long.

I recently moved out of the country and still wanted to use the credit card which ICICI gave me. It was an international card. I wanted the communication address to be changed in order to receive them at my home and not where I was living before I flew out.

ICICI bank refused to change my address indicating the area is not serviceable. I told them that I get all my communications from all other cards at this address. If ICICI bank is not able to service, it should be done to keep a customer's interest. However, they refused to buldge and I was forced to cancel my card.

I had been a HNI for the bank and this is my state. I would urge this complain to be taken up and the credit card department of the bank be forced to provide a resolution.

Thanks

Hi Sir,

I am a Software Engineer and working i Gurgaon. I applied for ICICI Demat accont on 2nd Jan 2008 and it has been more than a month and i have no clue what is happening with my application for Demat Account. For demat account opening, i contacted Mr Sanjeev Verma (who is working as a Senior Sales Manager in ICICI) and he sent a sales guy named "Pradeep". I had handed over all the required documents - Salary slip, cheque of Rs 250 etc to that guy on the same day. After that i contacted Pradeep several no of times (more than 4-5) regarding my application status but didn't get any answer for the same. Then, i contacted Mr Verma 4-5 times but he also didn't gave any satisfactory answer. right now, i am completely lost what is happening with my application. Even these two guys are not ready to give me my application id or some other reference no so that i go and contact any other ICICI person.

Please can somebody help me on this.

Thanks
Vijay

I AM A CREDIT CARD HOLDER ( C.C NO. [protected], TAKEN A CASH LOAN AGAINST MY CARD FOR RS. 35000/- AND THE OUTSTANDING BALANCE ON[protected] IS 24,621. 42. IN DECEMBER, 2007, I PAID RS. 30 000/- TO CLOSE MY LOAN BY CHARGING PRE PENALITY AND OTHER CHARGE IF ANY.
BUT THEY SENT ANOTHER BILL IN JAN 2008 SHOWING RS. 25, 4912. 11 MORE DUES WHICH IS ILLEGAL. THEY SHOULD HAVE DEBIT THE BALANCE AMOUNT AFTER ADJUSTING THE OUTSTANDING DUES TO MY C CARD.
IF YOU ARE NOT IN A MOOD TO HELP THE CUSTEMER THEN I COMPEL TO CLIOSE MY CARD.

T K PARAMESHWARAN,
C-261, EASTEND APARTMENTS,
DELHI-110096, INDIA
[protected](MOB.)

sir,

my name is charles raj i recieve an statement from your bank that was the last one of my transaction that was higher than i used. i bought a electronics item and filled petrol first for 500 then 400,which was 2990,i have payed first 1000,then1525,then1000.but the last bill which has come was 970 why more of 500 hundred rupees.please check statement again. thank you.

In the month of Oct.2007 I paid a cheque (on 3.10.07) which was about 990- less than the purchase made by me earlier.I was late by about 12 days in making the balance payment in the next bill.Then this amount swelled to RS.1834- which I paid by cheque no.196516 and prosted against such a severe punishment which included fine as well as interest .In response to this protest in the bill issued on 19.12.07 Rs.843.88 were reversed i.e.I ultimately paid 1834-843.88=990 i.e. the sum I was supposed to pay.Now I have received bill dated 19.1.08 where all those charges have been reimposed and again I am required to pay 1833.88.What is this?It is disgusting.Please correct the bill.Such happenings raise doubts about integrity of bank.It appears the stories we hear about foreign banks are mostly true and they take customers for a ride .Unsuspecting customers must be suffering a lot.So I call upon you to clear this mess once for all.Harsh Sharma credit card no.[protected]

I hold an ICICI gold credit card.I was on a trip to USA and on returning to India found to my dismay that 71,229.93 rupees has been charged on my credit card.The statement suggests that payment was done to 'ESeva'.
Quite obviously,I have blocked the card by calling up the helpdesk/customer service immediately.
The worst part of this episode is that I have never used this credit card in my life.Nor have I ever shared any piece of information on this card to anyone.
Goinf by a few of the copmplaints out here,its quite obvious that this has been done from within ICICI.My card number ends with 9002.Most of the other people who has lodged a complaint also has card numbers ending with similar digits.
I have raised a dispute with the bank[protected] and have also lodged a FIR with the police on this issue.
I have no idea how to approach this situation.Can anyone suggest me anything?