ICICI Bank Complaints & Reviews

This is to update you that ICICI bank has cheated me in terms of Personal Loan Amount.
I am working in Computer Sciences Corporation Noida and I applied for Personal Loan.
When the ICICI executive came for proceedings , at that time they updated me that my loan has been approved for 3 lakhs and Rate of Interest will be 13.27%. I was interested to complete the loan within 2 years but then they updated me that as per my salary structure it will not be possible for 2 years but they can make it for 3 years.
I agreed on that also. And I issued 8 cheques to ICICI Bank Ltd-Personal Loan. Each cheque was issued for amount of Rs 40614.
Cheques no. starting from 371566 to 371573.

Now on 14th Nov 07 , I got a call from ICICI Bank stating that they will provide me only 2 lakhs and that also for 5 years with 14% Rate of Interest. My first point of contact was Shalini ([protected])and after that the executive who came for proceedings and collecting cheque was Jeetendra. And he gave me the contact no. of Sudhankar for any urgent issues ([protected]).

PLEASE HELP ME ON THIS ASAP.

I, hold my savings account and credit card account from this icici bank
my due date for statement is nov-9th
i started getting calls from the collection dept to make payments from date nov-2nd
i told them that the payment will be made by the due date till then DONT CALL ME
still the agent is asking me why ?
hes telling me to make payment asap
plus so rude as if i have taken some loan amt frm his family or him ...
i also told him if the payments are not made on time im ready to pay the charges applied to my card ..still he was very annoying and suggested me to make the payment as he will be sending his personell to my home ...finally i had to disconnect the call in the middle of the conversation
Nov-9th :morning 8.15 am
the same agent calls me
i told him im out of my home since its a diwali vacation and the payments have been made thru my icici bank account in thane
he still insisting me to give the details ..
i explained him CALMLY that i was out on a vacation trip and i DONT CARRY MY CHEQUE BOOK
so i cannot give uthe cheque details
He rudly said why dont i carry the cheque book
i also told him this will also reflect the payment by monday in ur icici bank still he could not understand
either icici bank is heiring dumb guys who cannot understand the customer support or the bank itself wants a bad reputation on its name
Telephone number of recovory agent:[protected]

Im really sick and tired of these unwanted calls
can some one help ???
cos it really spoils the whole day

or the best part is to DISCARD SUCH LOUSY BANKS

Pradeep

Sir,
I am having demate account for the shares in your bank opened at Kondhawa branch A/C No. IN[protected]. But I do not have trading account with your bank. I am having trading account with UTI Securities, Pune branch at Wanwadi. In the past I did trading with UTI Securities, Pune, branch at wanwadi.

Now they say I must open the demate account with them and transfer the shares from ICICI to our A/C with UTI securities after the A/C is opened.

Then only I can sale the shares thru them . Whjy the rules are changed by UTI Securites?

Now I wish to open trading account with ICICI direct. Would you be kind enough to send your representative to our home and help us to open the trading account with your bank as we both are senior citizens and unable to move furthermore. Send the replt on my email ID as above. Phone No. 2687 2771. Mob:[protected]

Thanks
Chimanlal P. Desai

N.B. We are havign saving A/C also with your bank in ths nema of 1) Chimanlal P. Desai 2) Saroj C. Desai. Also FDR for Rs. 4 lakh recently made.

Dear sir
My credit card is issued by ICICI bank, on 01/2003 and valid upto 01/2009.
My nake is k. seshadri
my ICICI credit card no. is [protected]

Since January, 2003 until November, 2007, I only aviled credit for rs. 15000 to 18000.
But i so far pid around Rs. 125000. Stil the ICICI bank is claiming that i have to pay Rs. 60000.

The bank is providing any credit card statement or details since last 6 months.

I need a detail credit crd details
a. Total credit availed
b. Total payment made as on nov., 2007
c. Details and total fine amount
d. Total interest amount charged sofar.
e. total over charge amount.

Kindly intervene and settle the case please.

Thanking you in anticipation,
K. seshadri
36, sai hills, sai castle,
Kolar road, Bhopal-462042,
Madhya pradesh, India.
Phone [protected]-2327
mobile- [protected]
[protected]@yahoo.co.in

i having a credit card NO Card No : [protected] . On the last statement card shows outstanding balance of Rs. 6391.18. On due date i paid Rs. 4700 as part payment. On the next statement they charged interest on whole amount and the next fresh purchases. They charged or Rs. 277.81. Customer care people says that amount of interest is ok and interest will be charged on whole amount and fresh purchases.
i want to know that it...

Dear we are using your credit card machine ( VeriFone) modle no :- O MNI 5150.

But there is some problem in it, Will u plz send your executive for handling it?

THANKS
DEEPAK NEGI
PULSE FOODS INDIA PVT. LTD.
COUNTER NO:-5 ,FOOD CURCUIT
ANSAL MALL, OPP:- DABUR FACTORY

Dear Sir,

i am sanjay maini, working in pvt. organization as a sr. accouts officer in mussoorie. i have financed Honda eterno from your reputed bank (my loan ID No. ITDEH[protected]) and purchase from my local authorised dealer. my emi come every month for rs. 1412/- in my saving a/c and i am regular paying emi in time,running in dehra dun O.B.C. evening branch clock tower. problem is that your delhi collection branch person mr. pankaj dawrani called me that your cheque bounced on dt: 05.11.2007 so you have to pay bounced charges + emi then i told him that i am working in mussooriee just now, its not possible to me that i go to dehra dun but i told him by younger brother lives in dehra dun & i give him mobile no. of my younger brother he talked to him then he went to O.B.C. evening branch and find out the transaction had done by bank on 05.11.2007 no any single transaction done by my bank on 05.11.2007. the transaction have been done by my bank on 06.11.2007 but i don't know what they have done in my account that have been credited 1412/- emi & also debited for rs. 1412/- my younger brother asked from bank for this transaction done on 06.11.2007 then bankers says you come at 7'oclock today we will trace out the transaction voucher of particular day then tell you what is actually happening then my younger brother went to the ICICI dehradun main branch showed him the pass book their mr. pankaj sharma he saw my pass book & advised us after taking our mobile no. that we will find out delhi branch then call for for further proceedings. my younger brother come back after that your delhi collection branch person mr. pankaj dawrani called me up from [protected] phone no. i explain to him whats happening in dehra dun branch then he said you just now deposit the amount then i tell him i will find out from my bank they called up in the evening 7 o'clock then he say to me tomorrow what time you will go in the bank & talking very badly behaviour. really i am not satisfy with that person talking behavior he is not understanding to situation he talk to me very rudely way. i don't know what kind of person you have employed who doesn't know who to care the customers. its not my mistake for bounced the cheque & transaction has not been done on 05.11.2007. i request you to please take the action against the mr. pankaj dawrani collection person of icici bank. if you want any clarification from me then you can mail me on my email add : [protected]@yahoo.com or call me my mobile no. [protected]. thank you & hope you will take the action against mr. pankaj dawrani.

Dated the 4th November 2007
ICICI bank
Credit card branch
New Delhi

Sir,
This is connection with the credit card no.[protected] in my name i.e. ankush bassi.

The story is as under

Till april 2007 I had a credit balance in my account. In may I made some purchases and the debit balance was Rs. 300.00 which I wanted to deposited but found a long queue on the cash counter and thaught I would pay it at some later date, since the amount was quite insignificant.

In September I again enquired about the balance so that I could pay off but was surprised when I was told that the balance had swelled upto some 3100. I had never got any statement from the bank nor was I told about such hafty charges at the time of my buying the credit card. This is definitely an exploitation of innocent customers. No one was prepared to listen to me at icici ludhiana about the exorbitant and unjust charges being levied on me.
Agitated and disturbed on this, I made a request for settling the account as I was not anymore interested in continuing with such an expensive card which can cut your throat at its whims and fancies. I was told to contact your delhi office as the card was issued from delhi. My job again started on telephoning delhi, customer care chandigarh and your creditcard office in Hydrabad. It is indeed very hard to get a telephone through to anybody in ICICI and I feel I have spent more on telephones than the actual amount due, but have not been able to be successful to fulfil my desire of paying back the amount due. After having failed to get in touch with anybody, I got back to your chandigarh customercare office and told them my problem. The gentleman on the line told me that he was sending an E mail to the concerned department and I would get the reply within a week but no news.
Finally one fine morning I was fortunate to get in touch on telephone with one Ms. Rashmi of your credit card department in delhi. She directed me to talk to her at 5.30 pm. For the final settlement. But again as it happened earlier I could never get her back on line. It was after 15 odd days that I found her on line again and she told me that my account was likely to be settled for 1800.00. I rightfully made a request for a further concession because the amount had inflated at an unimaginingly high rate.

I was further directed to make a personal request at your delhi office in case I wanted to request for a further waiver. Accordingly I requested my father to go to delhi personally to settle the matter. There he met Ms. Rashmi who reffered him to a senior named mr. deepanshoo. My father explained to deepanshoo that we are interested in clearing off the account and as the present demand of Rs. 1800.00 was rather high we look for a further rebate, as we feel that the charges levied on us are quite out of proportion. Deepanshoo was no less a boss than the earlier bosses and he promised to give the settlement letter within 5 minutes but after waiting for good 60 minutes I was told that the settlement letter would be mailed to me the same day but to my dismay more than 20 days have passed and I am waiting for the mail. Telephonic calls to rashmi and deepnshoo have not brought any results except false promises and assurances.

I am a law abiding citizen and want to clear the bank dues but probably the red tapism in the bank does not want me to do so.

A simple question I want ask is that are all the customers are as obsessive as me to settle the account and if this is the fate of a client like me what would be the fate of others. It looks that the bank is more interested in creating more and more defaulters and harassing them so that the bank can extract unreasonably high amounts from the innocent clients.

Now after finishing my duty of following up for my settlement of account, I have taken another duty of telling and educating the society never to buy a credit card specially form the ICICI bank.

I request you to kindly settle the account at a reasonable and legitimate amount at an early date so that I can settle the account otherwise I shall be forced to resort to a legal recourse through the civil or consumer court for redressal of my problem.

Thanks and regards

Ankush bassi

Hi,

I had completed all process documents which are required by ICICI for the process, the cheque is also ready as oer the last update, but i am being told that will take another week.

As per the commitment from ICICI, I trusted the bank officials and had made arrangements to shift to the new house, but now i am being told to move from my old house which would result in another additional expense of abt a lakh for deposit / Advance rent. There are adds displayed on website which says easy Loan, minimum documents etc etc ....

The primary thing is my laon is santioned the disbursal cheques are ready and the even the loan account of the seller is closed. Now the loan of the seller was also from ICICI which makes it an internal account clsoure too. Now i do not understand the logic of delay in the second cheque disbursal.

Still i am not getting any commitments from any Managers that i will get the response as expected.

I was being offered low interest rate from XYZ bank (my salary account bank) also one of my team member who is had applied Loan after me already got a disbursal.

This highlights the commitment and Promises made by the Bank. I am totally disatisfied with the customer Relationship here.

Regards,
Suresh Nair
Operations Manager
Wipro

HI,
Unfortunately i have a salary account with ICICI BANK[protected] Koramangala branc in Bangalore, the bank has blocked my salary account when my salary was credited on the month of OCTOBER 2007, when i called up the bank they told they dont have any information, then tried calling up several times the bank told me that its regarding a credit card, i have not given any ECS facility on the card as well as i have asked the bank for closure of the card in 2005, and the card was taken by the ICICI bank ATM, since then i never used to get any bills, but they didnt intimated me about the same closure of the card as well as they waited till 2007 so the interest will go up and now they have blocked my salary account, i am the only working memeber in my family, i have my wife and 2 months old daughter and now we dont have money to have food too and we are starving, because of this blockage of my account all my exixting personal loan account with other banks are getiing bounced and i didnt have any checque bounces for 24 months and ICICI bank has spoiled my good relations with other banks too, i am not able to pay any of my dues, and i dont know what to do, when i checked my account today, 08th of November, i find that they have blocked one more account of mine and now my salary account shows negative balanace of one lak 49 thousand rupees, i am in bad postion now and i am not in a stage to pay the money nor to live a life with my family because ICICI bank has spoiled my life, i would request you to help me , or i have to work for more than one year without pay ,only feeding ICICI BANK.pLease do help me and make sure that ICICI bank personal also needs to understand humanity.

Kind attention Head, Customer Care
ICICI Bank Credit Card

Subject: Misuse of Credit Card – reg.

Sir,
The ICICI Bank Credit Card No.[protected] held by me was fraudulently used by somebody on internet by making purchase on Future Bazar India Limited for Rs.2470/- on 14/09/2007 which was immediately denied by me, the moment I got SMS on mobile on 14/09/2007 by informing the ‘Customer Care’ of the bank as a result my Card was blocked and fresh card with new number issued.

I am sorry to point out that an amount of Rs.411.67 has been charged as first EMI –total 6 EMIs have been stated in the current month statement. This I fear is absolutely unjustified.

As already stated I categorically deny of having made any purchase under reference and therefore request you to please look into the matter and the amount under reference relating to this purchase may please be got deducted so that the payment is regularized.

Hoping for immediate action to save me from any hardship.

Yours faithfully,

(Sunandan Bhatia)
IA-58 C, Ashok Vihar Phase I,
Delhi – 110052

Dated:06/11/2007

Sir i got personel loan when my account in Agra branch no[protected].during my acc transfer to karur tamilnadu[protected].they should autodebit my loan amount from this acc.but they app the loan after my trnsfer .sent back my karur checks .now they r again telling to go to trichy since .now they r telling ur cheque is bouncing give me extra 250 which is very bad

To
The Manager ICICI Bank
Credit Card Department
India


Sub: amount not credited

Sir,
I hold a credit card of ICICI of the above no. i.e.[protected] I deposited rs 6000 dated24.10.2007 in icici ,moore st ,chennai-1.
i took money rs 6000 then paid within 15 days but my balance amount not showed as cash limit showed rs 1500 only instead of 7500 kindly request sir clear my account details

thank you

by
s.palanivel

I have a concern, which I would like to share with the concerned department of ICICI Bank and ICICI Credit Card division.

I am holding a ICICI Credit Card since September 2005 till date, details of which are mentioned below. I have been religiously and constantly paying the credit card dues in the past, off late since February 2007 I have not received any credit card statement or payment intimation from ICICI.

I have moved out of my Delhi residence since December 2006 and I have tried to contact ICICI credit card division and customer care for change of address, failing to attempt my change of address in the month of June I had sent in a request to send me e-statements on my e-mail id: [protected]@gmail.com

I am in Hyderabad at present, after coming here I have contacted Credit Card Division and Collections department repeatedly for paying the dues and re-activation of my card. I have not been contacted by anyone from your side.

I spoke to the customer care division today 31st Oct 2007, where I was told that I have been sent an email statement on 15th of Oct 2007, when I checked my mail, I found out that I have only received a mail today on 31st Oct 2007 at 1:20pm, prior to that there are no mails from customer.[protected]@icicibank.com.

CONCERNS:
1. The balance that reflects on my due is Rs. 21849.74, which is as of date. I would like to request the concerned department to look into this matter. Inspite of repeated attempts from my side, I have not received any intimation from ICICI and suddenly I get a due amount, which I have not consumed or used.

2. I was kept on hold by your customer care executive, who could not answer my query as to why I have not received any statement, on the date confirmed by him 15th Oct 2007 and from the time I sent in a e-statement request in June 2007. The customer care executive hung-up on me, during the call. I am sure this is not the way customers who intend to pay, and make an effort from their side to pay dues are treated.

3. I called the customer care again, and they informed me that they will not be able to help me resolve this issue or sort the issue, I was told to contact: Collections department – Hyderabad, Mr. Srinivas at[protected]/23485305 and/or Delhi, Mr. Jeetendra Chabra at[protected]/41490158. Both these numbers went ringing and no response, similar efforts have been made by me in the past but no one has ever tried to contact or settle my dues, does this mean that your collection department has been waiting for the due to un-necessarily get into huge amounts, when they will threaten by collection agents or mock as police or legal department for collection.

These kind of things are not expected from an esteemed organization like ICICI. I have a relationship with ICICI for the last 7yrs, in the last 7yrs I have used my ICICI savings account extensively and also taken loans and repaid the same on time without a single default. Even on this particular credit card the payment cycle and history of payments have been prompt from my side and payments have most often been done without receipt of credit card statement. In the month of February on 20th Feb 2007 and 22nd Feb 2007 I have made payments of Rs. 5000/- and 4000/- consecutively with an assumption of dues calculated at my end. I would request ICICI Bank, its customer assurance division and Credit Card division and collections department to look into similar operation issue with due diligence so that Customers are un-necessarily harrased like this.

Please reply to this mail and let me know the procedure to help my self.

To
Mr Anirudh Kamani,
Head - Customer Service,
ICICI Bank Ltd.,

This is Venkateshwara Guda and I have an Account (Unfortunately) with ICICI Bank for the past few years and its a salary account[protected] with 0 balance and I have received the shock of my life today.

Your bank has debited all the money from my account. It shows a debit of Rs:10,698/- without any intimation and I would...

Dear Sir/Madam

This Niranjan , I have taken ICICI home loan 25,41000 on Nov 2006,I am paying Interest for home loan for the past one year ,for which I have given ABN Amro Post dated cheques.Recently I have provided 5 cheques of ABN Amro Bank for the amount of 19,201/-Rs each. For the month of august to September the amount has been deducted from the corresponding bank correctly.But for the Month of Oct amount has not been not claimed from ABN Amro ,though there was sufficient amount so I lodged a complaint regarding this 15 days back.they told that banking personnels will get back to us with in 1 day.But they didn't.

But the most worst thing is today I have checked my ICICI bank Personnel account[protected] which i have not disclosed to anybody, in which the amount 19201 has been debited.Means without informing to the customer ICICI bank officials deducted 19,201/- Rs on 26th Oct from my personnel account,which is nothing but Loan amount "LBBNG[protected]/LI SEP07-26 "(This is my loan account),and the same month check has been diposited in ABN Amro bank. How ICICI people can deduct the amount from the personal account with out informing the customer?
what is the guarentee that ICICI is giving to the customer deposited money?

Dear Sir/Madam
I have invested in Mutal Fund thru UAE Exchange in Kuwait this year March 2007. And I have received letter everything. Unfortunately I lost my letter which you sent that one.
Now what should I do to get back the letter, pleae kindly send me the reply.
Thanks
Mohamed Kasim Jamal Mohamed.

Dear,
Myself virendra s. Khandar, holds icici credit card valid from 07.07.2007 to 07.11.2007 with credit card no. [protected]. Amount of rs. 933 have been deducted on 26.09.2007 still i haven' t got any statement regarding that.
Kindly let me know about the same!
Virendra
Nagpur
29.10.2007

URGENT
Friday, October 29, 2007

The Manager,
Customer Care Centre,
ICICI Bank,

Sub :Account No.[protected] in name of M/s Ganpati Infosys.

Dear Sir,

With reference to above cited subject, we wish to inform you that above account was opened on visit and request of your Sales Executive who offered me scheme for opening account in your bank. He informed that account is opening on ZERO BALANCE FACILITY and you are not supposed to maintain the minimum account balance. You will avail Net banking, Tele Banking etc facility free of cost. He had not informed that this facility is valid till 2-3 month 2006. I would like to inform you that till date I had never made any type of transaction from above mentioned account.

From last 1 year you are continuously sending me a statement informing you have to keep balance for minimum Rs. 10,000/- in above said account and in this regard you are regularly charging interest amount from the day which goes to Rs. 3903/- (Three thousand nine hundred three).

As, I am requesting you again and again for closing my account with immediate effect and your good self are informing that approx 1000/- will be charged on account of account closing.

Please look into the matter urgently and send your reply at the earliest.

Thanking you very much.

Yours truly,
For M/s Ganpati Infosys,
(Neeraj Gupta)

Dear Sir/Madam,

I am getting ICICI lomabrd policy EMI mentioned in my ICICI credit card statement(ICICI credit card No. [protected] ).

My ICICI lombard policy 4034/FNP/02092363/00/000 which started on 11-Apr-2007 has been canelled out withing 1 month and it does not exists.

Kindly eliminate its EMI from credit card statement.
Thank you
Peeyush Vyas