ICICI Bank Complaints & Reviews

First payment on my credit card was due on 7-Sep. I made a payment on time and it was applied on 7-Sep. Later I found that bank tried auto debit from an ICICI bank account of mine (without telling me) which was rejected due to insufficient funds. Now they are charging me INR 450 (on credit card side) and INR 59 (on bank account side) for 'auto debit return'.

My question is, how is the bank even attempting an auto debit without my authorisation? I paid off my balance in full on due date. How can bank try to get by balance before due date?

I have called ICICI customer care about 20 times for this. Every time I have to listen to crap about my balance, due date, commercials etc. Most of the times agent disconnects the call after putting on hold. Mostly they are interested to transfer me to the other party (banking/credit card depending on who I called). No resolution. I will close this card as soon as I know what will happen on this issue (already blocked the card and not using it anymore).

ICICI service has been absolutely pathetic. Seems they are interested in killing customer's motivation to get a resolution by providing low quality customer care. Coupled with predatory practices to fleece customer at every step, the expereince has been absolute worst.

In July 2021 I collected my new debit card as well as a fresh cheque book from my icici home branch in phase7 Mohali, personally by submitting my ID credentials.
The very next month in August I got a message to collect another debit card for the same account. It seemed like they had not updated on their system about issuance of debit card in July21.
I called up the customer care for clarification and on realising the error they blocked the new card. The customer care also advised me to send an email to customer.[protected]@icicibank.com and bring to their notice through writing about the error in their system, that debit cards one after another are being issued without customer's knowledge.
Instead of addressing the real issue raised and understanding the problem they are stating that debit card delivery attempt will be made to your home address and if you don't accept it they will start levying me a fine. As I'm not in station I am obviously not in a position to collect it and moreover why should a customer be asked to collect debit card one after another for the same a/c!
Down below I am copy-pasting the email reply from icici's customer care:

Dear Ms. Singh,

Greetings from ICICI Bank.

Hope you and your loved ones are healthy and safe.

As per your request, we have registered a request for redirection of your debit card to Mohali - SAS Nagar Branch with the Service Reference Number SR*********

The delivery team will make their first attempt for delivery with 7 days i.e September 15, 2021.

Branch Name : Mohali - SAS Nagar

Branch Address : SCF 21-22, Phase VII, SAS Nagar, Mohali, 160059

Branch Timings : 9:30AM - 3:00PM

Any deliverable not picked up within 21 working days after delivered to the branch, the charges of Rs 50 per instance will be applicable.(effective Mar 01, 2020).

You may also track the status of your deliverables by logging into iMobile app _ Services _ Check Status _ Track Deliverables

Thank you for giving us the opportunity to serve.

Bank Digitally and Stay Safe!

Sincerely,

Sujitha Gunasekaran
Customer Service Officer
ICICI Bank Limited

On 9/4/2021 6:24 PM, N Singh wrote:

This is to bring to your notice that in July 2021 I collected my new debit card as well as cheque book from my home branch in phase7 Mohali.

To my surprise I am receiving sms & email since last month to collect another debit card from the branch :
Please clarify:

1. who ordered another debit card on my behalf when it was already collected by me from the branch previous month

2. Why was it not updated on the system when I collected the card personally after submitting my aadhar card as proof.

3. Who takes the responsibility of the safety of the debit card being delivered at the address when I am out of station and then it getting diverted to bank branch.

I have already intimated the bank employee (Sritanya) of the branch as well as customer care( who hv blocked the card on my request and also advised me to send this email regarding the same).

Kindly look into the matter at the earliest and reply asap.

Thankyou

Sincerely

N Singh

Also I’m forwarding the emails recieved on 9th Sep'21

Dear Customer

The Card- ATM / Debit Renewal for your Account XXXXXX sent through DELHIVERY, AWB ************* could not be delivered due to the below reason:

Consignee Refused To Accept
To request for re-dispatch, please call our Customer Care.

Sincerely,

Customer Service Team
ICICI Bank Limited.

This is an auto generated e-mail. Please do not reply.

Dear Customer,

Greetings from ICICI Bank.

We have registered the request for Debit Card. Your request number is SR********* dated 09-SEP-21. The delivery will be attempted in 5 wkg days.

Sincerely,
Customer Service Team.
ICICI Bank Limited.

This is an auto generated mail. Please do not reply to the same.

My savings Bank Account is closed by bank without any prior intimation and withdraw my hard earned money and after many tries I am not able to connect to ICICI costomer care.
Please Help

ICICI DIRECT and ICICI bank have made my life a living hell for two years. Before migrating from India, I submitted a request to convert my resident demat account to NRO status. Instead, they opened multiple new NRO accounts and charged me annual fees, but made my resident demat account inactive with my holdings/funds still in them! Now I cannot access these funds. I have contacted their customer care and chief of service quality but NOBODY CARES. Sincere advise to anyone reading - do not go near ICICI Direct or ICICI BANK. They will steal your hard earned money and won’t help you with anything, even though that is what you’re paying the annual fee for in the first place! Pathetic institution- might I even say, fraudulent institution. Shame on ICICI.

Name :Shaik Raheel
Account number :[protected]
Phone number : [protected]

Please kindly cancel my expressions debit card icici. Already money deducted from my account. Please do refund I don’t want expressions debit card

I'm jobless from last 2 year.I taken loan 20000(18th month Emi which is last emi was August 21) from credit card and pay 2 to 3 bills to my payee like 6Kto 9K amount(Converted to EMI)- Currently I have no active EMI & Loan.After continues payment in last approx 2 yrs due amount not that much less.Last July 21- I checked that my total due amount approx 42K And I paid 17th July paid 11390 and afterthat 27th July paid 5000 to manage from relative bcz I have no job and income sources.in August when I checked my due-It showing again approx 39K due.Now not possible for me to repay like that process I followed & due are remain after payment.I contacted customer care & requested that Plz provide something like interest free EMI & discount to support me paid my due but they do nothing.Also some people from ur bank calling me and presurised to pay either they report to cibil.I'm under very much trouble, I have no money to feed my family after that I managed to pay till now borrow from others, but it also not possible, So Plz understand doing something best for me without affect my cibil score.U r so big organizations- U can something i[censored] want.
Thanks
Nurul
[protected]
nurul.[protected]@gmail.com

The bank is unable to activate my imobile app for the last 7 months. I have made repeated visits to the bank and also after submission of all required documents. Need to get this activated as I need to use UPI.

Please help.

Rishab Suri
Icici bank account number[protected]

I have raised a complaint earlier also.. it is not getting resolved. I have dropped email as well as suggested by the team. Please help.

Rs 590 has been deducted from my account on nach_ad_rtn_chrg

I have salery account and it didcuted two time from my acount on this month.

It is happen from last three month

Dear sir,

I have a saving account no[protected] with icici bank.
Recently on 27 August INR 826.00 was deducted from my account against DMC/IN[protected] DP CHGS TILL July -2021. I couldn't know why this charges have been deducted. I have Googled it and I came to know that it is probably charge for using Demat account. If it is so, then I want to bring you in the notice that I never had any Demat account in icici and even I don't know what is Demat account and how to use it.
I am surprise to know that bank has deducted the charges for something that doesn't even exist

I request you to kindly look into it and refund my money as soon as possible. Also kindly arrange to stop these arbitrary action of bank.

Hello sir
I'm DHANA RAM s/o Mangi Lal
My account is in SBI Bank and I transferred wrong payment into a ICICI account holder ( upi- [protected]@icici)
My reference id is[protected]
Payment done on 08/09/21 at 08:23 pm. 3080 rupees
Dear sir I earn this money by tutoring the students, this is very difficult for me in this COVID situation
Plss help me to get back my money...

Deducted amount of rs999 as VSI amazon on September 8 2021 around 7:26.
The account is not linked with Amazon neither is my debit card. And no details is being shown what so ever in order details regarding this 999rs.
Kindly help

Icici bank is deducting money from my account without any reason, whenever I check my statement it says ATD-0xxRTNCHGSAUG21GST which we don't understand.
Whenever I try to reach there customer care executive using I mobile app they didn't gave any response even the number provided in there website is a chargable number which only make you talk with there voice assistance which is of no use, it is only there for making your call longer so that they can earn some money using there customer care number.

I myself Sanket Subhash Zure, my Icici Bank Account Savings Number[protected], IFSC Code - ICIC0000956 has been Freezed/Block without any reason or intimation and I want to be unfreezed immediately. On calling Customer Care, they haven't provided any information. Please do the needful as soon by tomorrow, Or I will be forced to file a notice to Icici Bank.

ICICI bank has deducted multiple times ECS charges without notifying me either on SMS or email. Today, when I login to netbanking they have deducted almost 1000 INR like a silent thief. Do ICICI don't have money to run the business, they are deducting unnecessary charges. I have also the FD of 20 K with ICICI. Kindly refund my money asap.

Hi have transferred 2000 rupees via Paytm to one of my friend. Transaction failed on Paytm due to icici server problem but money got deducted from my account but not credited to my friend account
Transaction reference: UPI/[protected]/NA/[protected]@p/CHAT

I have done payment confirmation for Rs. 20, 200.00, same was paid to The heritage Academy, Kolkata on 26th August 2021but same was not reflect in beneficiary account. Please arrange to reversal of this to me.

I have a Demat account in ICICI bank for 1 year now. When I checked my bank transactions and I found that there is one debit transaction 'DMC/IN[protected] DP CHGS TILL JUL-21'---- INR 400'. When I created the Demat account, I was not told about the DP charges, it was told me by the ICICI representative that it is free of cost and it will never be charged and also I did not get any message alert in my mobile which is registered with mobile banking with ICICI. This is completely unacceptable and please refund my amount.
Demat Id - IN[protected]

Many time deduct my mony for ECSRTNCHG 20921_SR[protected] GST.I don't know what is this.plz Resolve my Query and stop this service..and return my mony...

Every month from JULY 2021 unknown charges being levied by ICICI Bank.Total amount of ₹648 has been deducted by the bank till date.And no intimation from the bank before deducting the amount.

Transaction id:
S48367622
S60991988
S96859050
What are the above transaction id related to?