ICICI Bank Complaints & Reviews

I am Sammi Reddy, Andra bank account holder with account no. [protected], Huzurabad branch, mobile no. [protected]

On 24/07/2017 I wanted to draw 1000 cash from ICICI BANK ATM, ATM ID SFVD9221.It showed unable to process the request, but the cash got deducted and didn't credited till now, please solve my query as soon as possible.

Thanks in advance

Hi,

My icici account is deducted twice with inr 500 yesterday to unicef account.

Could you please let me know that how someone could initiate the transfer without my notice from my account.

Meanwhile contacted icici bank today and they suggested to contact with customer executive as they could not help. As i tried reaching customer executive, the pathetic voice system kept me rolling from one place to another but could not help me connect to executive.

Also i have sent a complainy mail on this to icici bank, no response received yet.

Could anyone help me with this getting resolved as the earliest. I am fed up with this for now.

Regards,
Veeresh
Mob: [protected]

In last few days recovery agents visited my house twice, using abusive and harsh language in front of my neighbours and threatening to come again if i dont agree to the settelement amount decided by them. I have explained them my situation and how much i can pay but still they call meand threaten stating we will come again.in the past it has happened that they had called my wife on her mobile number several times and threatening her as well. Every time they have visited my house, they have made a chaos and tried their best to spoil my image in front of my neighbours. Really pissed off with the way these guys behave.
Manoj ludhani

Dear sir,

My account detailing

Gregory geevarghese john

Ac/number :[protected]

Branch address :- tc 20/2649, 2650 rajalakshmi, karamana — kerala trivandrum 695002

Ifsc code :- icic0001178

I starting this account as my salary account & i had submitted my driving license.in that my name printed as greogory geevarghese john. Actually my correct spelling is gregory geevarghese john. On i reached kottayam collectrate icici bank for correct me name for this i corrected my name in driving licence & i had submitted adhaar for supporting my licence. But the bank team rejected my request & they are asking for gezeted certificate. Why this... For an "o" is extra in my name. For a name changed that all banks or other official purpose that required a gezeted certificate. Then why this... Pls do the need asap...

With warm regards,

Gregory geevarghese john.

I was withdrawing money from atm, but there was a power cut while machine was counting. And i received message from you about the deduction. So the amount got deducted but i did not recieve my money. All this happened 1 hour ago. The atm was of federal bank and is located in pimpri in mahesh nagar near dy medical hospital and college. So when will i get my amount refunded?...

I had taken a personal loan of rs.4.8 lacs (Loan no: lpchd[protected]) from icici bank in chandigarh in 2006. But in 2008, during the peak of recession, i was asked to leave from a job during these hard times; i could not pay my loan emi. At that time, i was desperately searching for a job as i had a wife and 4 year old kid to support. Hence it did not strike me to approach icici bank to inform about my problems. Till then, i had paid back 25 emis and around 2.3 lacs back to icici.
After a lot of struggle and after giving up all hopes to get a job in bpo or it, i had to look for a job in sales and i got one with less than 60% of my last drawn salary with an it firm. With such lesser means it was already tough to fend for my family. I was unable to pay my emis. Slowly but steadily, i was trying to improve my condition and after a lot of struggle, i was able to get a decent job in a mnc in pune in july 2013. But i was still drawing lesser salary than i was earning in 2008 when i was with the it firm. I can show you proof of both the salary credits to my account.
Around january 2016, i was shocked to hear that my wife’s cousin brother in gujarat received a call from icici bank, where they mentioned that i had taken a loan with him as a guarantor and if i failed to payback, they will sue him legally. I do not even have his number and i was horrified, how did icici bank get to know my wife’s cousin’s number. Same day, i realized that this was just one of the numerous shocks i am going to receive. Within 30 minutes, i got a call from my neighbor, who was working with kotak mahindra bank, informing me the same details as my wife’s cousin. This time, i was horrified and embarrassed to the core. Then there were more shocks in store.
Similar call i received from my in-laws in mumbai mentioning that icici bank was asking about my whereabouts. Me and my wife by now were so embarrassed and horrified, we had no clues of what has happening and why is icici bank officials not calling us but making threatening calls to all other totally unrelated people. Most alarming was how did icici bank get these numbers or even draw a link with me and all those people. Even my most closest friends also do not have my in-law’s number or address leave alone my wife’s cousin or my neighbor. The worst is yet to come.
By afternoon, i received a call from a person, who mentioned that he is working in my company but another process. He mentioned about the same threatening calls icici bank agent but he took it very seriously believing them and thinking i did nominate him as my guarantor. I requested him and urged him to not believe the bank agents and that they were trying to bully me instead. That gentleman did the worst, worse than what icici bank agents had planned. He wrote a stinker mail to my manager and his manager and disclosed all information about my loan and that he should not receive any more calls from the bank.
That evening, when i went to office and when my manager called me to inform about the mail. I was absolutely devastated. I begged my manager to ignore this incident and that i will ensure that my personal issues will never come to my office. My manager advised me that such things will tarnish my image and if hr comes to know then it my impact my job with the company. He supported me and did not inform hr.
Imagine my plight, how destitute i felt and how helpless i was. Till now, i did not receive any calls from icici. Next day morning, i received a call from icici bank recovery agent named irfan. I initially was furious at him and asked him why did he do all the cheap things before even taking to the customer. Irfan started abusing me in hindi, he blamed me for being an abscondee and that i was hiding from the bank. I tried to explain him about my position and how i managed to gather my life piece by piece after losing a good paying job. He spoke more furiously and did not believe a word i said. Forget about empathy or any human emotions, this icici bank agent threatened me that he will make more calls to the same and more of my relatives and my wife’s relative and keep tarnishing my image until i agreed to pay the full balance (Principal only).
I was shaken but i refused to succumb to such cheap thugs and i told that i am willing to pay the bank but i do not have the luxury of big balances in my account. I offered to make emi payments of rs.5000 till as many months it will take to payback the full principal outstanding amount of the loan, which was around rs.2.5 lacs. He lauged at my offer and started to again abuse me. He said he is not interested in chanda (In hindi meaning charity amount). He again called me a cheat and baghoda (In hindi meaning a guy who runs away from his responsibilities). I tried my best to make him understand my position but to no avail. He even said why don’t you sell your wife’s gold ornaments and give him some amount so that he will not take aggressive actions against me.
I was in so much pressure and so much afraid that i had to offer him something or he will continue to damage my image and god knows to what level he can stoop maybe even send gundas to hurt my family. Our discussions continued for over 4-5 days but then i had to do something. By this time, irfan was talking better and i told him that i had no savings or property with which i could repay the full amount. I begged him to check with the bank higher officials or set up a meeting wherein i can explain my position. I told that i was even ready to show my last 10 years bank statements which will speak the truth about my financial inability to repay such a big amount. I again tried to convince him to allow me to pay back in emis of rs.5000, which i could afford by making some compromises. Again it fell to deaf ears and to cold hearted people.
I kept on insisting that i do not have the resources to payback and that time is getting wasted. I told him that can the bank not take pity on me and my condition and allow me to settle the loan by paying rs.50, 000. He asked me how will i arrange the money as i did not have any in the bank account. I told him that i will take loan against my wife’s gold and can arrange this amount. I did insist that he should give me a letter agreeing to this amount as settlement. At this juncture, irfan mentioned that i do not have the authority or i am not at all in a position to demand anything. He said you pay first then he will send me a settlement letter and also take my name out of the credit bureau report. To try to talk to his superiors he said give me some amount against the loan based on which he will try to persuade his management and get me the settlement deal. I made an online payment of rs.2000 against my loan account number.
I told him that paying 50000 is like 5 lacs to me as of now and i will do it only if i have the letter. When he threatened that he will again make calls to more colleagues of mine and relatives, then i had to succumb to his demands and i took a loan of rs.50, 000 against my wife’s gold ornaments from a friend’s source. I went to icici bank hadapsar branch in pune on 29th february, i spoke to a customer service representative, he put me to a person from collections department. I explained the entire scenario and gave him the recovery agent irfan’s number and even made a call to him from my phone and made him talk to irfan. The staff asked me to wait till he retrieves more information and check with his manager only then he can accept the payment as this account was not paid for in the last 8 years. After a wait of 45 minutes, he said i can make the payment and that the amount will be considered as settlement amount. There is a signature of the icici bank officer (S. Yolekar) who approved this request, on the deposit slip. Then i prepared the deposit slip and clearly mentioned in the comments section that this amount of rs.48000 (Plus rs.2000 paid earlier) is the settlement amount for the loan. This was confirmed by the staff and i have icici bank stamp on the deposit slip.
I informed irfan and even sent him the deposit slip image via whatsapp. When i enquired about the settlement letter and clearing of name in the credit bureau report, he said that it will take 3 months time.
With that done, i was happy and continued to live a normal life until again i was presented with another rude shock 1 week back when my brother said that he received a call from icici bank recovery agent and asking me my details. The very next day on 17th july, a icici bank loan recovery agent named senthil kumar appeared in my house as early as 7:45am. My wife and i were taken aback that s early in the morning we have someone from the bank visiting us. I greeted him in and had a chat with him. I explained that everything is sorted out with this loan and why are you again following me. He said that the record only claims that i made a payment of rs.50, 000 but it did not settle the loan. I had no words and again shocked at my situation.
Same day, at 10:50am, i receive a call from durai, icici manager from ambattur branch. I had to repeat once again my story and as expected durai did not believe. He ridiculed me how did i even pay such an amount without a settlement advice. He says that this amount has only reduced my overall principal amount and that i have to pay it now. Not wanting to again create a bad situation for myself, i offered again an emi system which was refused.
Durai, to convince me, that even he understands that a person like me, from a middle class family, it is difficult to arrange for huge amounts of money. But he claims that if there is an emergency in the family, will you not arrange for funds. He said you should beg or borrow and pay the bank its money. I could not hold back my astonishment, how can one create such a comparison of such diverse situations. It is ridiculous and i cannot believe icici bank can employ such people.
On top of that durai openly threatened me that if i do not comply then they will have to forcibly use tactics like visiting my mom’s house (Again i was surprised that they have my mom’s address but i think i was surprised lesser this time) and inform them about my issues with the bank.
I am absolutely of the belief that icici bank has no moral or any values at all in its banking operations. It can stoop to any level to recover its loan amount from people. It can employ any dirty arm-twisting methods to recover any amount from people.

Sir,

With due respect, i would like to infrom you that my saving account no.[protected] in icici bank, raj nagar ghaziabad, has been fraudulently cheated on 20th july 2017 by other person thoroughly seven transaction to below mentioned payment ids that belong to airtel as mentioned below :

Bil/[protected]//airto[protected]
Bil/[protected]//airto[protected]
Bil/[protected]//airto[protected]
Bil/[protected]//airto[protected]
Bil/[protected]//airto[protected]
Bil/[protected]//airto[protected]
Bil/[protected]//airto[protected]

My humble request to please do the helpful as soonest possible.

Warm regards,

Mohd salim

[protected]

I am not so familiar to use internet or any other online means for banking. I am an salaried employee. I was having salary account in icici bank. They had not informed me and changed me for maintaining the minimum balance as 610 rupees with information. Please close my account it is an fraud financial institution because when i checked for minimum amount balance charges, it was 100 rupees plus 5% tax online.

My a/c no[protected]

Please help me on this..

Icici bank having different rules compare other bank like hdfc bank? Icici bank will never inform customer why they are deducting money while transferring money through imps/neft or rtgs. Hdfc having no charges if making online transfer through neft or imps then why icici bank charging again and again without any prior information to their customer? Worst banking services in india given different authority by indian government.

Dear sir

Bond no.[protected]., folio no. 3387009 certificate no. Cgb2/00001034

This is in reference to your letter outward ref. N[protected] datad 22-jun-2017 regarding above said subject. We have nor received any payment till now. Despite sending so many communications with you. We have already send you duly signed and attested affidavit for change of signatures attested by notary public. Via registered post no ep[protected]in to lotus gilts global, laxmi nagar dated 03/05/2017.

The matter is still pending in your court. You are requested to immediately disperse the payment.

Thanking you

For aditya anand

Rajesh anand
Assistant professor,
P. G. Dept. Of computer science hindu college,
Amritsar mob : [protected]

From : tina arora,
Sector-29, noida-201301

Dated : 23 jul 2017.

Ms pushpa yadav,
Sr. Mgt desk, icici bank ltd.

This refers to your mail dated 10 jul 2017 in response to my complaint dated 14 jul 2017 against icici bank noida branch, sector 50 regarding mismanagement of our home loan account.

I was quite hopeful that my grievance will be addressed responsibly as was done earlier by ms veena mehta, but it is strange that you didn’t even bother to establish facts regarding this case and have taken the ‘cover-up’ reply as must have been forwarded to you by the branch to be true and have just ‘cut n pasted’ their version in your mail. So, at the outset i express my utter disappointment on the manner in which you have responded to my mail. Please allow me to explain to you once again the facts, in para wise manner so that the misdoings of the branch and their justification bared to the sr mgt.

We are fully aware that the roi opted is ‘floating type’ which means that the minimum rate in currency will be automatically applied to the ongoing home loan. The rate applicable for women borrowers for amount from 30 lacs to 75 lacs is 8.65% since apr 2016 and the branch does not have any valid justification for charging the interest @ 9.25% from us.

The terms like i-base, roi & margin etc which you have tried to explain are well known to me. The fact remains that the final rate offered by the bank to all existing customers, based on benchmark rate and margin associated for floating rate is bound to vary from time to time and it is the duty of branch/bank to expeditiously inform their customers for any change of rate or change in policy related to their current home loan account which was never done.

Also, when icici bank changed its rate @8.65 (I-mclr-1y+0.45%) for women borrowers for amount 30-75 lacs, (And, i must categorically mention it here that no where the icici bank has mentioned anywhere that ibid rates are for new borrowers only and will not apply to existing borrowers), why wasn’t that rate automatically applied to our home loan account as well. The bank has no answers for this. Over that, they had the audacity to say that ‘it is the duty of customers to know of latest policy of rbi or changes in i-base rates reduced by rbi…as if all banks, including icici apply such changes effected by rbi immediately and on the same day, and which should actually happen. There can’ t be a more imbecile reason than what was given by branch, which surprisingly you have re-validated. We are shocked.

You may also check this at your end that whenever the roi were cut down by the icici bank, (From date of disbursement (25.08.15) onwards), the reduced roi was applied at a much later date to our home loan account, by the branch for vested reasons to make good business, at our cost. I have the actual dates when the rates were slashed and these are different from those tabulated by branch and made part of your mail :


I base policy date impact
9.35 05/oct/15 decrease by 0.35%
9.30 01/oct/16 decrease by 0.05%
9.25 03/jan/17 decrease by 0.05%
9.10 28/apr/17 decrease by 0.15%

Which.. Again i must say that you did not verify…

Again, upon change of roi, the option rests with customer whether to reduce the emi or tenor of the home loan. How can the branch decide which option is better for the customer. You have mentioned of 04 reset letters of the branch, dated 07.11.15, 15.10.16, 11.02.17 and 09.05.17 which you have attached to your mail. Did you ask the branch as when have they mailed these letters to us, through email or by post and whether they have any proof of their dispatch. Madam, the fact is that since the date of disbursement i. E. 25.08.15, there has been absolutely no communication written or through mail by the branch. All these letters have been prepared now, as a cover up to their omissions. Again, the branch knows it well and has no answers for it.

You have to understand this that the branch was visited by me in 1st week of dec 2016 to obtain the provisional statement of account for making the declaration for purpose of claiming rebate in income tax for fy 2016-17, during this visit, the br manager & i/c complaint was approached regarding non communication by branch on any matter related to our home loan, which was not heeded to and the branch then was in full knowledge of the revised policy of rbi for customers to opt for migrating to new benchmark mclr system, but no information regarding same was disclosed to us. This also explains the branch’s policy on the ‘customer care’ ….. Does the branch or icici bank have any reason for not disclosing the change of policy to us in dec 2016. Obviously, had we opted for mclr, bank’s business would have been affected and their earning at our cost would have reduced. Isn’t it.

But. Ms pushpa yadav, now since you have declined any assistance to me in manner of waiver of conversion fee or rebate in same, while completely declaring the noida sector 50 branch as clean, i have my doubts now whether our grievance would be addressed in an un-biased and fair manner. I think we will need a re-look on doing business with icici with its current policies, approach to customer care and redressal of grievances and the response of sr mgt. Just for your information we are customers of icici wealth, since last 6 years, of icici bank since last 16 years but it is the first time that we have been jolted out of our misplaced trust on icici banking system.

May i request you to provide following information after due deliberation to help us decide the further course of actions regarding this pending complaint. :-

A) if we opt to migrate to new benchmark mclr system now, keeping in view of our outstanding principal amount, what would be the exact cost for executing conversion agreement?

B) what would be the exact conversion fee plus applicable taxes on principal outstanding?

C) if the partial payment is made to the branch to reduce to outstanding principal to under 30 lacs inr, will the rate of 8.35% apply. (I-mclr-1y or 6m + margin cost)., and lastly,

D) will the rate of 7.85% apply for outstanding principal of below 30 lacs inr. If opted for (I-mclr-1m).

E) any other proposal that you have in mind to motivate us to remain customers of icici bank.

I expect an early reply and redressal from you. With the current vindictive approach of branch, being twice bitten and exposed of their inconsistencies, it will be difficult to get a resolution to any issue raised by us. So in all probability it will be prudent if my grievance is addressed by the md & chairperson or by sr mgt.


We look forward to your positive response.

Sincerely,

Tina arora

I am the a/c holder of icici bank from last 14 months,
Now they have charged rs 217.15 on 27-6-17 dcardfee1965jun17-may18st28 and again 30-6-17 rs356.70 under this category dcardfee1965jun17-may18st
I am not aware what type of charges are these totally they deducted rs 573.85. And this amount in single month two times.
They never informed me regarding these charges either by email or by sms.
Who has given right to icici bank to deduct the money without informing us.
Because i kept savings money in bank they detect the however they like and whenever i get money deposit for my use they detect and keep me in zero balance

There should be some formal process for doing all these things. I want my money to be credited in my a/c which they have deducted from my a/c.

A/c no:[protected]

Sir/madam,
I recharged my mobile number for the amount of rs.248 as a base plan tariff for jio dated 21/07/2017 with transaction id p1707211440405749106289
And utr number as[protected] by the mode of payment from my phonepe app. The prescribed amount of rs.248 has been debited from my bank account but the payment is not yet received by the telecom operator. It made serious inconvenience for me. Please take necessary actions and update the details as soon as possible. Or else refund the amount soon.
Thanking you.
-gomal sivaraam

Even after send this message they said it will take a while but it seem they cant even handle a small issue of rs 1000. Then how can they solve a big problem in future?

Nor i get my number updated to my bank account or nor i have been refunded. Shameful service.

I am amazed that number changing took forever and still counting as well as the refund how can you all keep telling that customer satisfaction is your priority? I am not even satisfied 1 % by your service hdfc bank doing good jobs.

Hi,
My name is mukul kumar, i am having home loan of icici at patna, bihar and paying emi from april-2015 till date.

I just want to know i am paying interest @ 9.2% pa, but rbi has cut down the interest @ 8.35%, i am keep on paying more interest @0.85% more from last 1 year, for that i visited to my bank they told me that i have to pay rs 16000/- to transfer it to some other scheme to avail the current interest rate of 8.35%, my question is that if the rate of interest is floating than why it wast not automatically slash down to 8.35% pa, why should i pay money to transfer the same to different scheme.
My home loan account is lbptn[protected] and 2867844

If icici can transfer my loan account to present scheme, without any additional money from customer, well and fine, otherwise please provide me the following documents to transfer my loan account to axis bank (Foc basis).

1) loan account statement
2) outstanding letter
3) list of document.

I will get it transfer to axis bank/ bob as free of cost
Since i am relocated to ahmedabad-gujrat, and i am available on my registered mobile no [protected]
Please come fast to revert on my mail and providing me the above 3 documents to transfer my loan to other bank, because i have paid excess interest @ 0.85% from last 1 year for which i paid rs 20230/- extra to the bank.

Hope for your revert soon.
Thanks
Mukul kumar
[protected]

Hi. I am Pankaj kumar and was user of ICICI bank credit card and just closed my card. ICICI bank charged me unnecessarily interest even after paying bill. Actually I have got my last bill of around 8900 and last date of bill payment was 11th June 2017 with minimum payment of Rs. 450/-. I paid Rs.6000/- on 9th June 2017 but on next bill date I got the bill that icici bank charged me around Rs.1175/- interest charge. I thought it was mistakenly done by the bank to I called the customer care of ICICI bank but they told me that this is their policy so I have to pay. I request them to look after it but they were rigid. I suddenly pay the whole amount with the un genuine charge as well and made a request to close my card. I can only say that icici bank make me embarrassed and tortured me.
I request to you to look this and take a action on icici bank so any other person won't suffer again. I am attaching the screen shots of my bill statement.
Thanks,
Pankaj kumar
[protected]

Hi,
From my account, there was an deduction of inr 25.00 without any reason... It was described in the statement as atmdec chg/[protected]/4349. From internet i found that, this charge was due to atm's not having enough cash. But there's no previous notification regarding this. And how come this charge can be levied to me. That's the problem with the atm right... Please do resolve it.

I had a due amount on my credit card that was approx 12000 only but due to some reason i was not able to make the payment on time, and on[protected] i received a message that 12000 amount was blocked/ lien on my savings account and told that if i didn't make the payment they will deduct the balance from my savings account without my authorization, kindly do need full help as i am a salaried person and to live i am dependent on my salary, how can they take the funds from my saving account without my authorization this is completely fraud

To,
Icici bank,

Sir,
I have not received payment of money multiplier bond-0399-mmb-two till date. I have three bond i have recessive one bond money but other two bond not because bond paper is missing so i was write letter to mumbai branch for this matter but nothing happened so please give me the proper prodezer.

Details of bond

Deemed date of allotment : 28.04.1999
Option 2 :
Issue price per bond rs. 4, 700/- (Two bond)
Face value rs. 50, 000/- (Rs:1, 05, 165 two bond)
Redemption date : 28.04.2017
Application no:-0335494
No. Of bond : two
Bondholder no. 5482276
Name of bond holder :dalbir singh rawat
Mobile no:- [protected]

I am other victim for fraud transaction. Three transactions has done on 13th july 2017 of about 14000. I got a call from icici customer care itself and i blocked card and account on that time itself and raised a complaint against that. Now icici people saying transactions has done through 3d secure pin so we are not responsible. How can i got the amount return. This is not the way to service customers. I have seen lot of complaints like this. How to take action against this. They are closing most of the cases like this