| Address: RP - 1, Pitampura, Near TV Tower, New Delhi, Delhi, 110034 |
I had taken a Home Loan in Aug 2017 from ICICI Bank (Home Loan A/c - LBDEL[protected]). For this, I had submitted all my documents for my loan eligibility and also required properties documents to Bank executives Mr Ritesh who was working under Md Haider / Ankita Mahajan.
Finally loan was approved and Property registration has been completed. At the time of registry Legal executive Mr Gaurav had verified all the properties documents. After then property registration had completed. He had taken 2500 extra as self-expense to provide me the Bank Cheque.
I had done a complaint regarding this on ICICI Bank, Mr Haider and Ankita Mahajan on Sep 08, 2017. Complaint no - SR[protected]
I had completed all the EMIs with in time and without any fault. I made few part-payments regularly and tried to close this loan before time as a common man wants.
So, finally I had done a foreclosure of Home Loan in Feb 2019. I have submitted all the due amounts and also the charges & interest which was suggested by ICICI in Pitampura Branch (Delhi).
Now, I was waiting for Properties documents which were in Security Locker of ICICI Bank. After few days, I had got a SMS that documents are at Pitampura Branch. I had visited that branch and found that most of the properties documents were missed or uncomplete. In branch only Sale Deed and NOC were completely available. Layout Plan/Sanctioned Map, Proposed Sale deed etc were unavailable.
I had tried to know where all the documents are with Mrs Priyanka who is operating the Home Loan at the branch. She was also confused why documents were uncomplete. Meanwhile she tried to convince me to collect those half available documents and rise a complaint to other pending documents. But, I refused to do the same. I want all the properties documents in a same time.
So, I had done a written complaint at branch first. I have a receiving of that too.
I had got few calls from customer care and they just tried to convince me that only these property documents were submitted to ICICI.
When my question was, will you finance a Home Loan on behalf of same property documents?
They said "NO, we need all the properties documents which you mentioned."
Now, what is this? They want all the properties documents for Loan but they denied these to provide back.
After that, I had done several online email / complaints till June, 2019. But all goes in vein. I had also register a Grievance but no result. No one from ICICI bank is trying to resolve this issue. It's more than 3 months passed when I had closed the Loan. But, still my properties documents are not provided to me and pending with ICICI Bank.
All my complaint numbers are listed below-
Complaint no - SR[protected],
Complaint No - SR[protected],
Complaint No - SR[protected],
Complaint No - SR[protected],
Grievance - 000GNaE9KQRM548B
ICICI Bank customer support has been notified about the posted complaint.
I had also written an email to her which is mentioned below -
Date - Aug 25, 2019
I am waiting for my verified documents from Feb 2019. As I have deposited all the amounts and closed the Home Loan. But, after visiting the branch I had found either my documents were missed or half filled. Some of papers were teared. I had asked about this to branch executive "Ms Priyanka" but, she was not able to answer my question. She just want me to collect those half papers. But, I had done a written complaint and get the acknowledgment. I had also lodge several complaints by emails but didn't get any positive response.
I have also done a complaint in Banking Ombudsman. After following up with " [protected]@icicibank.com " I found a reply that I am asking for documents which are not submitted by me. In the reply it's clearly mentioned that - I am also refusing to take the documents which are listed in LOD (List of Documents).
Let me clear that, I want all documents submitted by me those are mentioned in LOD But, need to verify. Because, the documents which were shown to me are mostly half filled. I have doubt that I haven't submitted any half filled documents. One of the paper were teared.
I am just asking to provide me those documents after verification. Because as all know, ICICI Bank Legal executive is collecting property documents from Registrar Office. Other documents are also submitted by Loan department after verification. Then how it's possible that I had submitted those half filled or teared documents to ICICI Bank legal / Loan executive?
I have attached and shared two call records to " [protected]@icicibank.com ". One is of "Ms Priyanka" (Loan branch executive, Pitampura) on June 26, 2019.
In which your Branch executive "Ms Priyanka" is clearly mentioned that "Still documents are not verified from Backed team Noida".
Mrs Priyanka is saying that on 24th June she called me by mistake. There were some confusion with loan numbers. There is no any update about my documents. It was just a complain related call."
In recorded call she is discussing about - Receipt of a paper was found attached between documents as teared in half piece.
In recorded call she is discussing about - Documents were half filled.
I am interested to collect all documents but they are not available in branch.
Another call is from ICICI Bank backed team, who was not aware about my problem. He is saying that I have only your mobile number / email that's it. This call was of July 07, 2019.
I had approached " [protected]@icicibank.com " but still getting automated reply emails with new dates. One of them is queued with this email also.
I was not expected this type of service from ICICI Bank. I have few more accounts (saving+credit) with ICICI and now afraid to continue those with this Bank. I was also not expected this type of reply. It's more than 6 months when I had deposited my all dues but still I am waiting for my own property documents which were verified and submitted by ICICI Bank "Loan / Legal team". I am a middle class salaried person who has cleared his home-loan and want his own property documents legally verified. Currently, most documents are half filled or missed which I had found on Branch.
Please find the attached replies from ICICI bank. I am also forwarding you both call recordings which were sent to "[protected]@icicibank.com" previously.
Looking for a positive response.