ICICI Bank Complaints & Reviews

Dear Sir,

This is Naga Sundaram Viswanadhapalli holding an ICICI saving b/Ac[protected]. My complaint is related to the minimum account balance charges, that bank has debited from my account without even notifying there policy changes, if any. I get quarterly statements but I have never got any information about the policy changes. I think ICICI bank is not even following the guidelines mentioned by RBI.
It is extremely disheartening that Bank is just debiting hefty amount from their customer's hard earned money, without any intimation through phone or statement or any way.

Who has given right to them to debit the amount without any notice or intimation to the customer? How one can be updated with the hidden rules modification.?

Around 14480 rupees

Please take some action against this bank for not complying RBI standards / guidelines. And help to get back the debited amount, as there was no proper communication.

I have returned redemption warrant for making necessary corrections vide my latter dated 05/06/2017 alongwith necessary documents and it was duly acknowledged by your office on 13/06/2017. A copy of the same is enclosed. I have yet to receive redemption proceeds from your office. Kindly expedite in the matter and arrange to remit the amount at the earliest.

Sir,
I am having my saving account in ICICI bank Muzaffarnagar in Uttar Pradesh on dtd 13-04-17 they debited the amount of Rs 15937 without any prior information nor I gave any written request. after having the inquiry they told me that bhopal branch of ICICI bank has debited the said amount as my account is in ICICI bank muzaffarnagar how the branch of other state can debit the amount without any information. The branch manager is also misbehaving with me I have written three mail to MD of ICICI bank but she is also not giving any satisfactory reply.
It is therefore requested to pl lodge the complain against the branch manager of ICICI bank Muzaffarngar so that they can refund my amount.

Satish Chandra Ojha
[protected]

Today[protected] morning (time 11:15am) we have deposited 146000/- in cash deposit machine (CDM-63061WCR), For some unknown reason transaction cancelled "after counting the notes fully & displaying the amount on the screen" cash got returned. We were informed by the staff that machine generally returns full amount if the transaction is cancelled and proceed to deposit it in another CDM (63063WCR).

Without counting the return...

Dear icici bank

I am an account holder of icici bank. When i checked my balance through net banking i saw a charge of rupees of 8, 615.66 i shocked, i went to bank meet branch manager & executive . I ask icici bank for reversal of the deducted money if Answer is no help, very bad experience in my life no response, branch manager is say sorry did not come back reversal . I request you to please refund the same amount to my a/c. Please let me know what are these hefty charges are charged for from middle class men. lot of money 8, 615.66 one month of my family maintenance, I am attaching my statement, I request you to please refund amount . my account no .[protected] m rajasekhar

Subsequent to above note, i am pasting the email received from senior management email id..
Take a look at the shamefull response.. The only thing these jokers know is to tell us to go to ombadusman..

Icici bank #####... first learn to own up your mistakes... It takes 6 months for you to understand what i actually wanted with repeated emails and phone calls... 6 months you should be ashamed for yourself .. What i was looking for got done in the end but it took 6 months... what apologies are you talking about.. I need to talk to Kalisarjuna who lied to me on the phone.. was she eating s**t all this while...

I know when to go to ombadusman.. and i will go to a ombadusman when i deem fit ... i dont need your advice on that... Own up this mistake and get Kalisarjuna on a call with me along with her manager...

Your re addressal mechanism my foot !!!
_

[protected] Forwarded message[protected]
From: Niyati Foria
Date: Wed, Jun 21, 2017 at 6:12 PM
Subject: RE:'ICICICARE=[protected]' 0007KaBV2YGSHE59:ICICI HOME LOAN - LOAN number - LBBNG[protected]
To:

Dear Mr. Singh,

We refer to our e-mail dated June 19, 2017.

We have referred the case details to our Internal Ombudsman of the Bank (Appointed on the directive of Reserve Bank of India to look in to the complaints), who has examined the case and expressed that the reply being given by the Bank's internal grievance mechanism is in order.

Based on your e-mail, we have checked at our end and would like to reiterate that the delay in execution of your request for EMI reinstatement was due to a communication gap with our officials, which was unintentional. This has already been clarified to you vide our earlier e-mails.

Please be rest assured that your e-mail has been accorded the seriousness it deserves and necessary feedback has been given to the team/officials concerned, to ensure that such instances do not recur. We sincerely apologise for the inconvenience caused to you and request you to treat this incident as an exceptional occurrence and not as an indicator of our commitment to quality customer service.

While we value your relationship with the bank, we will be unable to accede to your request for arranging a call from all the individual officials who had handled your query earlier or share the details of the officials.

We assure you that the Grievance Redressal mechanism of the bank has the required checks which include the intervention of Senior Officials, checking the veracity of the facts, content of reply.etc. The complaints of customers are dealt appropriately by the concerned departments/personnel who are acquainted with the specific case details.

We also understand that our official, Mr. Laxmikant Naik had contacted you and clarified on the concerns raised by you.

Further, the current ROI (Rate of Ineterst) of your LOAN account is 10.10% floating. We offer to convert the existing ROI to 8.40% floating by executing a conversion agreement. As per the process, a customer will have to pay a conversion fee of 0.50% of the principal outstanding along with applicable Service Tax for execution of conversion request.However, as a service gesture and on exceptional basis, we offer the conversion of ROI with conversion fee of 0.25% of the principal outstanding along with applicable Service Tax.

We once again request your consent for us to take necessary approvals at our end. Please also provide us with your nearest asset servicing branch details. Upon receipt of your consent and details of the nearest asset servicing branch, we will co-ordinate with the said Branch for completing the necessary formalities. Please refer the below link for the details of the branch:

HTTP://WWW.icicibank.com/find-atm-branch.page?

While we value your relationship with the bank, we will be unable to accede to your request for any further compensation in this regard.

We request you to treat this as our final stand with regard to the concerns raised by you.

In case you are not satisfied with our response and wish to further pursue the matter, you may write to the Office of the Banking Ombudsman, Reserve Bank of India of your region for redressal of your grievances whose services are offered "free of cost". The scheme of Banking Ombudsman promoted by Reserve Bank of India is prominently displayed at all branches of ICICI Bank and their website.

Please access the below mentioned link to view the address:

HTTPs://WWW.icicibank.com/managed-assets/docs/complaint/BO_Address.pdf

We affirm that ICICI Bank at all times acts with diligence, in good faith and in no manner prejudicial to the interests of its customers.

We look forward for your co-operation.

Sincerely,

Niyati Foria
Senior Management Desk

NEVER SHARE your OTP, CVV, URN, User ID, password with anyone, even if the caller claims to be from ICICI Bank, Bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

CONFIDENTIALITY INFORMATION AND DISCLAIMER

"This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank."

I want to increase my credit card limit .. m using icici credit card rugularly from last 15 month.. every month my limit is too short.. becauz my usage is high so plzz check and increase my credit card limit.. you can check how much i have use credit card..i crooss limit every after 2 or 3 month due to less credit limit .. plz increase my limit...
thanksss
ravii
mob no .[protected]

Mr. Ankit Garg Collect My Document on date 16 June 2017, He Provided me Acknowledgement Slip MY APPLICATION NO. A[protected], but i am still waiting for response, i am worried about my kyc reason not use any other matter, because his mention application status not found in tracking status of icici bank credit card application app, please take response on this matter.

I tried to transfer some money to other bank account through neft and in the end of the procedure it asked me to enter grid values, which i did correctly but for some stupid reason it was showing me this msg "your grid card authentication has been disabled, call our 24 hour customer care centre and ask to enable grid card authentication". I have entered all the values very carefully and cross-checked it many times yet same error. Then i tried calling 24hour customer care center which is totally useless in this regard as no real person picks but a stupid automated system. It's been a week and i am not able to make online purchases/transactions. If my problem is not solved soon then i will be forced to close my icici a/c

The credit card/personal loan in question were issued by my husband in my name as he wanted to invest in his business. He has been maxing out the cards since then and since otp and other info is sent to his number, I have never been aware of any debt till now.

Please consider here that I am the sole earning member of my family which consists of my mother, father and younger brother. I have been paying the fees for my brother's education since 2014, along with the taking care of my maternal family.In my previous job, the majority of the salary went in paying the EMIs of my husband's credit cards, loan, etc, and the remaining was divided between my brother's educational and my family's monthly expenses.

Currently My husband and I are filing for divorce for the reasons mentioned above, as he has been harassing me for more money and has refused to help me in any remaining payments. He has left me even before the legal settlement.I am living alone with no money for now, which has caused serious financial difficulty for my family.My situation is unlikely to improve for the next few months.

I do not have the available funds to make my credit card and loan payment. I am going for a financial settlement with my husband, out of which, he will pay me a fixed amount. I still want to make this debt right. I fully intend come to a settlement with the bank for my debts, but I need a bit more time. In the meantime, it would be helpful if you could hold action on my account.

Hoping for a positive reply here.

Soni Rajput.
No-[protected]

I bought the killer time wear on Icici promo offer by paying 349rs on 30th May but I haven't received any product as its already been 1month for order date. I received a message having the order no- 141002. I have attached the screes hot of the message with the complaint. This is very frustrating as I purchased the product as present for someone.. The day is very ear and I want the product to be delivered as soon as possible. Please look into this on priority and take action.

My name is Raghu vamsi, i have taken personal loan in ICICI bank in 2014 . My loan account number is - LPCHE[protected]. I was assured no preclosure charges while taking the loan. Last week i have closed my load with the funds that are present in my account through a cheque. I have noticed that bank has charged around 5.5%(which is very high and unexpected) of preclosure charges.
So when i was assured of no preclosure charges while taking the loan how can they charge now. The terms and conditions should apply for the entire period of loan.
Can anyone from ICICI bank can look into this issue.

I'M PARAMESWARAN my account number is[protected]. This is my salary account. So no minimum balance needed to maintain.my company change the bank to credit my salary.
But I wish to continue the icici bank. So, I put rs 500 in my account. But when I check the account money is deducted foot non maintenance of MAB. so, I ask icici bank for reversal of the deducted money if I maintain the MAB.

Thanking you. I'm waiting for your reply

I beg to say you that it is been long time informing you about the scenario,

Credit card number ([protected])

Please do the needful.

As I have already paid all dues before as per the last payment discussed over the call one year back hence whatever I used, I have already paid with extra service charges.

please check there should be some loophole in this case.

this is the card which came with my salary account number (card number #[protected]),

and I was very new to use this credit card,

hence couldn't manage it properly, please forgive me for this

every time i had contacted and informed to bank

this is the issue going on but couldn't get it resolved.

due to this, there is so much of problem i am facing .

Please do the needful or show me the way to go.

Please contact me on [protected],

just want this to be done asap.

Dear icici bank

I am an account holder of icici bank. When i checked my balance through net banking i saw a charge of rupees of rs. 681.63/- in the name of smab chgs may17+stax88.91 dated on 28/06/2017. When i checked the whole month statement there was one more same deduction on 07/06/2017 for same may 2017 month of amount rs 145.53. Please let me know what are these hefty charges are charged for from middle class men. The sum of rs 727 /- matters lot for middle class like me. I am attaching the screenshot for reference. I request you to please refund the same amount to my a/c.

My account no is[protected]
Mobile no - [protected]
Email. Id : v. [protected]@gmail.com
A/c holder name : vinod punjabi

Hi all,

This is to bring your notice that right from day one since february 2016, post sanction of personal loan from icici bank, till date never received a loan sanction letter. The dsa never brought the agreement letter and including the officials of icici seem to have forged my signatures on the final agreement letter.

I received a letter from cibil, wherein my pan, dob, name are correct except the address & phone number, which are fake.

Further, i got to know from another dsa that it has been duplicated to sanction loan to another person, whom icici has favoured. I don't know to what extent icici has used my personal documents to whom they have favoured.

Further, i have been writing email to icici senior management regularly, but they keep writing the same story. They behave as if they don't know anything. Even rbi bangalore office has favoured them as well.

In my case, even though i started paying the outstanding principal as per the dates mentioned, icici has raised statement of accounts as per their wish and will claiming huge amounts of interest & principal, which is again big fraud.

Friends, don't ever take personal / housing loan from icici. Few of my colleagues have experienced it, post which i got to know the frauds done by them.

Literally icici is number one fraud bank.

Beware of dsa sudarshan ph - [protected] icici managers - sane reddy ph[protected] / [protected], alety ph[protected], muthappa - [protected], mumbai office ms. Niyati ph [protected], executive umesh ph [protected].

Thanks & regards,
Shankar
Email - [protected]@yahoo.com

28/june/2017
I noticed today i was charged rs 805.00 as dp charges, this is my salary account and it came with 3in1, including demat, while signing this salary account form the representative mentioned this is life time free and its been a year. Icici is famous for pulling scams like this. I am trying to reach the bank over phone, if not revoked, i will close the account and i will change my home loan to another bank

Hello,

Blue dart courier, awb [protected] | incorrect address | icici bank credit card

I have been contacted by blue dart courier team & they say that residential address flat number is mentioned wrong on the credit card envelope as f - 0041 & they say they will not deliver credit card to my residential address as per icici bank instructions until & unless icici bank contacts & send blue dart confirmation email to deliver it to my correct residential address

I have never such poor customer service from any of the bank's till now... Worst & pathetic service from icici... God damn...

Despite writing number of emails to them with my updated correct address they still keep asking me again and again to send my updated address... Not sure what exactly customer care people of icici are doing there? I guess they are not monitoring customer emails properly they just blindly follow a email format & send the same all the time.

I have clearly submitted my correct address proof during time of credit card application submission... It's totally & complete mistake from icici bank side they have saved my address wrong from their side in system & mentioned wrong on courier envelope...

And. Now they ask me again to send my updated address to redispatch the card... Why should i send the again my address details? Despite sending multiple times & icici being so irresponsible to customers...

I am not going to send my address to them... If they want to resdipatch the card let them do or else ask them to keep it with them & i do not want their card anymore as i am completely fed up with their worst & pathetic customer service... Worst & god damn

I am nitesh sonawane. 805.00 rupees has been deducted from my account as dmc/in[protected] dp chgs till may-17 dp charges on 26/06/2017.

I have never activated and used demat account till now. There was no prior notice. And also i haven't received any deduction message to my mobile. I need justice and my money back immediately. My account number is[protected].

I have been charged with auto-debit return fee plus st. I made the the payment on 9/6/17. My due date is 11/6/17. Due to some technical glitch in your payment gateway, the payment got received by you on 12/6/17. Whats my fault in this and why should i bear the charges for this.

The customer service is pathetic who is not eager to help. On phone they are like, its our bank policy, do what ever you can but you have to pay the charges.

On mail you say,

You are our esteemed customer and we value your relationship with icici bank. However, based on the bank policy, we are unable to reverse any charge on your card account.
We regret our inability to comply for the reversals in the credit card account.'

Why do you guys regret... You should be proud of your company.