ICICI Bank Complaints & Reviews

Dear Team,

Since 4 month amount/EMI debited without user consent and as i know about this i had discussed with ICICI executive regarding this issue.
I am writing to express my concern regarding the wrongful deduction of EMI for my ICICI credit card -[protected] : for the past four months. Despite my previous intimation to the ICICI credit card department, the issue remains unresolved.

I had made a purchase on Amazon, which was later refunded. The refund has been credited to my ICICI credit card account and is reflecting in my credit card statement. However, the EMI deduction continues to be made from my account.

I request you to take immediate action to:

1. Stop the EMI deduction with immediate effect.
2. Reverse the wrongful EMI deductions made over the past four months.
3. Adjust the excess amount paid against my outstanding balance or refund it to my account.

My details are as follows:

- Card Number: [[protected]]
- Account Name: [[protected]]
- Contact Number: [ [protected] ]

For your reference I am giving refund details below.

I request a prompt resolution to this issue and a confirmation email once the necessary corrections are made.

Thank you for your attention to this matter.

Refunf Transaction Details-

1. Refund from Amazon – 29958.78 rs
Amazon Pay Credit Card


Amount added to
Amazon Pay ICICI Bank Credit Card ****6006 ₹29958.78
Order ID[protected]
RRN_74766514130418158375465

2- Refund from Amazon – 2582 rs
Amazon Pay Credit Card

Amount added to
Amazon Pay ICICI Bank Credit Card ****6006 ₹2582
Order ID[protected]
RRN_74766514130418154764399

Amount added to
Amazon Pay ICICI Bank Credit Card ****6006 ₹1500
Order ID[protected]
[protected]
[protected]
RRN_74766514129418106307530

For your reference attaching credit card statement, your team can investigate properly.

Dear Sir/Madam,

An unauthorized purchase of Rs. 859.16 has been made using my Debit Card linked to ICICI Bank Account XX187 on 15-Aug-24. Info: VIN*www yollaca.

Kindly revoke this transaction and issue the refund.

Thanks

My account has been deducted with ₹129.27, showing a message "surcharge dt:29/06/24 MCC 4112". When I enquired about it, I was first told it's a platform charges by IRCTC. IRCTC confirmed over the phone and also by email that they have not charged anything like it. When I asked ICICI again, they came back saying that it's by IRCTC and I need to contact them only. After few back and forth, now ICICI is saying that it's them who have charged me for using their account. So why lied about it in the first place? Are you coning the customer?

Since when bank start charging to use their accounts to buy any services? And why I was not told about this when I was making a purchase? Why ICICI is charging this, one month after the actual transaction happened? I bought tickets on 29th June, and ICICI is charging on 31st July?

Were they sleeping for a month?

This is unethical, and illegally stealing customers money, without their permission or even their awareness.

I have checked online and there are so many complaints on the internet regarding the same issue, and only with ICICI Bank. Is it time for me to move to someone else now!!!

I raised official complaint on their website about this and the last call I had with their team was one week ago and that time I was told that their senior manager will call me the next day and this issue will be sorted in two days. I even escalated this, chased as well, but nothing from them yet.

I demand my money to be returned back in my account which they have stolen from my account, immediately.

Today 11565 Got deducted from my account.

I've been a loyal customer of ICICI bank for about a decade now. On the 17th of February 2024, I went to ICICI bank (Coles Road) branch in Bangalore to take a gold loan. After discussion with the executive Abid
I agreed to take the gold loan at 12% interest rate.
However, in the Sanction letter issued they mentioned a 14.45% interest rate. I visited the bank, and they updated my sanction letter in writing as per my initial discussion with the executive and signed against it, assuring me once again that it would reflect on my ICICI bank app post approval.
I tried calling the executive as it did not reflect on the app and he did not answer my calls or get back to me.
After not seeing any gold loan details on the app, I visited the bank after 5.5 months on 29th July before my renewal date.
I met the deputy manager-Sushrita along with the executive Abid and that's when I learnt this 12% interest rate that was initially discussed was not entered in the system at all. Even though I produced the physical sanction letter copy that the deputy manager had signed, they kept beating around the bush and showed a lack of professionalism, as this was their job to enter the details correctly. They did not take ownership of their mistake or apologize. When I showed them my app and that the details did not reflect, they lied and told me that ICICI will no longer update gold loan details over the app. They again assured me that the 12% interest rate would be updated on the renewal date, and I trusted them as I had no reason to mistrust an official ICICI bank employee and deputy manager.
Today when I went to make the renewal payment, they asked me to pay the amount with 14.45% interest rate as the original sanction letter assuring me that it would be reimbursed to my gold loan account by EOD. Upon further inquiry as to why I would have to pay these charges as I've been running around to get the agreed percentage-12% updated over the last 5.5. months, she could not explain the charges clearly, including the excess amount that should be credited back to my account.
Initially she mentioned it would be credited to my bank account, and then later changed her statement telling me it would go to my gold loan account. I'm not sure which instance to believe anymore as there is no consistency with her words.
To renew my loan, again they deputy manager-Sushrita wanted to charge me a different rate of 13.95% today. On reminding her about my initial agreed percentage, she again in writing wrote 12% and signed against it.
Looks like she is just going in circles and not giving me any concrete resolution. This is absolutely pathetic. I don't understand how long it takes to update customer loan details over an app. This issue would not have arisen if they had done their job properly in the first place.
I trusted ICICI bank as this is a reputable bank, however as soon as a customer takes a loan, they are no longer interested in providing any customer service. The sheer negligence and lack of professionalism truly appalls me, and I feel cheated as a customer. I would also like to add that this has led to unnecessary stress and a loss of trust in the ICIC bank. Kindly help me in resolving this issue at the earliest.

Hi Team,

Icici bank transaction was failed and 36000 was deducted from my icici bank while making payment for yes bank credit card at 12:45 am on 3 Aug. I have already reported this issue many times at bank customer care but there no response. Please refund this amouns asap. Screenshot is attached.

Tranaction details:
Name: Manish Chugh
Account Number:[protected]
Mobile Number: [protected]
Incident Time: 12:45 am on 3 Aug.
Icici bank: Issue was in icici imobile app.
Amount: 36000

Regrards,
Manish Chugh

I have a Demat account in ICICI bank for 4 years now. When I checked my bank transactions and I found that there is one debit transaction 'DMC/IN[protected] DP CHGS TILL JUN-24---- INR 826'. When I created the Demat account, I was not told about the DP charges, it had 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. My ICICI account number is[protected]. This is completely unacceptable and please refund my amount. My phone number is [protected].

I received a message intimating a deduction of 92163.64 on 29th Jul 2024, 11.30am. This is a fraudulent deduction as I was not prompted for any authorization and also mentioned it as an auto deduction. The transaction was made to some party CMS[protected]/ADTPSLSIPG_[protected]. I haven't given any such standing instruction to any mutual fund or insurance company. I personally do each transactions. It is a huge amount for me as this kind of thing has disrupted my daily bill payments and everything. Kindly request you to look into it and do the just as soon as possible.

ICICI bank- DMC/IN[protected] DP CHGS TILL JUN 24 – Bank have deducted Rs. 826.00 from my account without any prior notice. I have a Demat account which I opened with separate charges and it was promised to be lifetime free against that special charge…. In DMC/DP CHGS name ICICI Bank have deducted Rs. 826.00 from my account without any prior notice….I want to back my money

ICICI Bank is looting. The bank is debiting Rs, 590 from my ICICI savings account monthly without my consent or knowledge. There was no SMS or Email sent to me in this regard. This is such a shameful act. I would need all my money back debited as an ECS return.

Today I noticed that ICICI bank has deducted Rs. 826 from my account with the description DMC DP Charges. When I tried to google it and understand what it is, I learned that it's Demat account charges which I am not even using. This is fraud done by the bank, and the surprising part is that you don't get an SMS alert for this transaction, we get to know only when you check the statement.

In the year 2014 I was a student of NIIT Jalpaiguri centre and they opened me an ICICI Bank account for the purpose of National Yuva Jyoti course. After that I haven't used that account from last 10 years. Recently I got a mail from ICICI bank that my account is in dormant state and I have to re activate that account. So as I have reactivated that account. But upon reactivation I surprised that my account has marked as lien on 2014 and the balance is showing negative 10 thousand. From the past one month I am visiting from one branch to another, doing calls and emails but no one has any answer why the lien has occured! I haven't used that account so there is no transaction history on that but why I pay for the lien which I am completely unaware about? Such a bad banking experience from icici!

Mahesh Kant [protected]
Icici direct employee forcefully open my account
I call for close this account he denied
And continue nagative growth

Kindly help

Dear Sir/ Madam,
I am writing to bring to your attention unauthorized deductions from my account with reference number ECSRTNCHGS111121_SR[protected]GST. My account was dormant for a period of 2 years. Upon contacting ICICI Bank customer service, I was advised to log in and activate my account. I was then informed that to maintain my NRO & NRI account, I needed to keep a fixed deposit of ₹25, 000, which I did.

In July 2024, I noticed unauthorized deductions from my account totaling ₹590 (twice), ₹59.83, and ₹1. Upon consulting the bank manager, I was told that I had not maintained the minimum account balance. However, after making the fixed deposit of ₹25, 000 as advised, no further explanation was provided.

I request a thorough investigation into these deductions and seek a prompt resolution of this matter.

Thank you for your attention to this issue.

Best regards,
Mohammed Ashraf
[protected] (WhatsApp)

Hi,
I bought icici fast tag on 2nd july 2024. Its been 9 days and i haven't received my fast tag yet. I have already paid all the fees and also my customer id and wallet is created. Its been more than the estimated delivery period of 8 days and i haven't received my fast tag yet. I reached out to icici fast tag customer care but no response.

Please help with the solution forward

Dated 6 july, I am seeing two transactions which should not have been there. The amount deducted are 590 and 132.16 on the below mentioned details:

NACH_AD_RTN_CHRG~Of Bnk BFLo~03JUL24~e3754ca~42219

NACH_AD_RTN_CHRG~Of Bnk BFLo~02JUL24~98b98fd~42219

Please let me know what these transactions have been for, and since this is very unprofessional to have deducted money from my account without any information.
Thanks and Regards,
Omkar

Amount deducted via ADTPSLSIPG_[protected]ON 03/07/2024 from ICICI Bank account[protected] of Amount Rs. 10, 226.00 .
ICICI Bank customer care not responding

here is transaction details
03/07/2024 03/07/2024 CMS/[protected]/ADTPSLSIPG__000000
16003 10, 226.00

My account no[protected] lien created for what reason

I would like to put forward that I am holding saving account No.[protected] with bank since more than last 10 years now. After covid outbreak, my financial was badly affected and I was unable to maintain balance in account. Being old account and being a loyal customer, I tried to regularize the account and maintained balance in June 2024.

It was to my surprise when I came to know that approximately Rs.47, 075.51 was deducted from my saving account suddenly on 10th June onwards without any prior intimation to me and continuous back-to-back transaction was done for Rs. 590 each on my account for approx. 81 times on account of NACH return charges for BFL.

As I am still struggling post covid on financial front, ICICI bank being such an old and prestigious bank is deducting these charges continuously and that too from more than 2 years old return as well.

After visiting my base branch – Gybergreen Gurgaon on 14th June and meeting with Branch Manager, they are not ready to help in any manner for the reversal of the amount.

When asked, how this much amount is deducted back-to-back without any prior intimation, massage or without marking any LIEN on the account, they had no answer. My account was further deducted and balance is made to ZERO.

Am I getting penalized for maintaining my account even after 10 years?

Considering the extra-ordinary situation after Covid, I request reversal of the deducted amount as a special case.

ICICI bank needs to understand the genuine concerns of a loyal customer and the extra ordinary condition after covid. Need the reversal of deducted money.

With best regards,

Rakesh Kumar
[protected]
Account No.[protected]

Hi sir/madam,
I have a loan's with ICICI BANK. I settled all my loan's and OD account also, still I'm getting calls from icici bank executives, in a day mostly I'm getting more than 20 calls from icici bank. I'm proving below account details. Please have a look.

Personal loan: LPTRU[protected]
OD:[protected]

My contact number: [protected]
Mail: [protected]@gmail.com