ICICI Bank Complaints & Reviews

Icici bank credit card department who has illegally put the amount in my savings account on lien for credit card outstanding. There was absolutely no communication (Via email, phone call and hard copy letter). Kindly solve my complaint in as soon as.. Icici bank savings account is my salary account and it is connected for ecs for my personal loan accounts. I request you to please contact icici bank and remove lien on my savings account.

Hi Team,

I am feeling so unfortunate that I decided to take home loan from ICICI bank. May be, my decision to take home loan from ICICI bank was my biggest mistake.

Since the day, the loan was disbursed I am feeling like being cheated as the kind of post-sales service which you guys are providing is pathetic.

Though I get prompt responses from my RM Ankit Awasthi (on the issues that I have been facing), but your department which is handling the layer of processes is so careless and creating blunders one after other.

Just to explain the whole story again….
We took a home loan of 31, 30, 000/- INR (sanctioned amount) from ICICI bank for a tenure of 240 months and it was a mutual agreement that the loan amount will be disbursed as per the “construction link plan”.

When the first tranche of loan was disbursed, I opted for the EMI (of 29, 176/- INR) on the whole sanctioned amount (of 31, 30, 000/- INR ) instead of EMI on the disbursed amount (this issue was even fixed after exchanging several e-mails with your department and eventually, after escalating the whole matter to the OMBUDSMAN officer).

Now, as the bank has released second tranche of loan to the builder, I got a message today, from ICICI bank that my EMI of 67, 905/- INR is due on[protected].

Now the question is, how can the EMI amount be doubled (even more than the doubled amount) without any intimation or prior approval as the bank has just released the 20% of the loan amount?

The EMI amount will get bounce back as we don’t have that much of amount in our account as the EMI to be deducted from our bank, was supposed to be 29, 176/- INR and it should not be more than that at any point of time (as the EMI is based on sanctioned amount).

I want to make it very clear here that I should not be liable for any EMI bounce back charges from either of the banks (Payer and Payee bank).

Request you to please look into this matter as soon as possible and also provide me a written response with the reason behind all the chaos.
LOAN NUMBER:- LBDEL[protected]
Name- Rashmi Bhardwaj
Mobile:- [protected]
Note** I have already raised a complaint using your customer care portal.
Service Request number:- SR[protected]

Dear Sir/Madam,

This is Vijay Pratap Yadav, holding an ICICI saving a/c :[protected]. I Have update my account with my new company as Salary account, I got salary as well in this month(July) in this account. 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. ICICI bank is simply debiting amount from my account. I get monthly 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. Previously they take the average for a quarter to check the minimum balance but suddenly they changed without any information send to us (customers).
Please find the below details for all the transactions made by bank. I tried to get in touch with the manager but they say we can't do anything about this.

06/08/16 - MABChgs-OCT 513.00
06/08/16 - MABChgs-AUG-513.00
06/08/16 - MABChgs-DEC-515.25
06/08/16 - MABChgs-JAN-515.25
06/08/16 - MABChgs-FEB-515.25
06/08/16 - MABChgs-MAR-515.25
06/08/16- DCARDFEE492 - 154.00

Please take some action against this bank for not complying RBI standards / guidelines.

Regards,
Vijay Pratap Yadav
[protected]

I, ArunaRekha Vilas Tribhuvan savings account no:[protected] of Kalyan (Murbad branch) had twice submitted my mobile number as [protected], but your staff had updated wrong mobile number instead of the one which I have submitted.
So, I am unable to access online banking, just because of your staff's mistake.
Please rectify my mobile number as [protected] asap.

I am old customer of icici bank and 2 years back thought to open new account. I did not receive the welcome kit for that account and today when I saw my statement there is charge for Demat maintenance. Is this ethical? You did not provide the product for which I applied and without tracing the person whereabouts you just debited my account. till now I am not aware that I have icici bank demat account. If bank is itself doing fraud with customer how can we expect that other person will not do it with our account. How can you debit my salary account for the demat account for which I dont have any information. its a serious fraud at the bank side and I will go to consumer court if the debit amount is not reversed asap. Like this anybody who got my document can open account on my name. I will highlight this matter if strict action is not taken immediately

Dear Concern,

I'm Mahamad Nizaruddin U.T ac number[protected], malabar cotton, vakkaligara Pete circle karnataka india 577002.
On 07/06/2016 I deposited Rs. 1, 00, 500 on[protected] P.JAHEERHUSSIN .ICICI Bank tirpur branch. Unfortunately it deposited to Mr. Sankarnarayanan.S[protected] because of a silly mistake where in I wrote a digit wrong.
Immediately within two minuts I reported to the ICICI Bank tirpur, but till now I haven't got a single reply or any calls from Tirpur branch. My complaint was totally neglected. I lost my hard earned money because of ICICI Bank officials negligence and their dormant nature, who has to respond immediately to my request on blocking his account immediately after two minutes of deposit.
I'm an active customer of ICICI Bank since many years.I want you give justice to me. I'm a small boy who started business recently with lots of dreams. I would like to tell you that take stringent action against bank officials and let me get back my amount. Thanking you in anticipation


Regards
Mahamad nizaruddin

We are getting a late payement charge with service tax even after paying minimum amount outstanding amount on time. After requesting for our credit card cancellation two times there was no response to the request. please resolve this matter.we are not going to pay any extra charge .

Dear Mr. Nadar

Of course I am going to pay up the amount. What I am trying to point out is the following -

1. Why is the bank not interested in investigating which number the call came from and reporting it to the authorities
2. Why is the bank not interested in finding out how did a Credit Card related sensitive information (expiry date etc.) be available with parties that are not part of the bank
3. Why none of the bank executives enabled me to meet the managers responsible for investigating such fraud cases on behalf of the bank and instead I was guided to the Collections department

Needless to say I have never defaulted on my payment and nor would I in this case. But I am certainly going to share the lack of interest shown by ICICI in investigating the matter further and utter apathy of your below response.

Anshuman


From: "Customer Support"
Sent: Sat, 06 Aug 2016 16:48:20
To: "anshuman singh"
Subject: Re: 'ICICICARE=[protected]' Request for Help
Dear Mr. Singh,

This is with reference to your e-mail dated August 05, 2016 to Head Service Quality regarding the dispute transaction with respect to your credit card account Account 5241 XXXX XXXX 4007.

We tried to contact you on your mobile number xxxxxx5799 at 03:42 p.m. however we were unable to contact you.

05/08/2016 13:51:56 MAST[protected] I3D - Internet 3D Txn 8, 403.[protected] 223671 Outstanding
The disputed transaction as confirmed from our records, has been effected on your subject Card. We would like to clarify, that the above transaction has undergone a 3D Secure Authentication/ OTP, which is a second level authentication specifically built in for online transactions done through Merchant Websites. It may be noted, that apart from the Card Verification Value (CVV) & Expiry date on your Credit Card, your personal 06 digit 3D Secure PIN/ OTP was also required for effecting the said transaction.
We would like to inform you, that the 3D Secure PIN/OTP is purely personal and privy to the customer and would not be known to anybody, unless compromised otherwise. The Card holder is responsible for the security of his/her Card along with his/her personal 3D Secure PIN/ OTP and should therefore take all possible steps towards ensuring the safe-keeping thereof. The Bank does not incur any financial liability arising out of the misuse thereof by unauthorized persons.

We confirm, that the the above transaction was allowed as the system is CVV, Expiry Date and 3D PIN/ OTP specific and not person specific. We reiterate, that as the transaction was qualified by information strictly personal to you, the Bank is therefore precluded as per industry guidelines to repudiate the transaction with the Merchant on the basis of your dispute. We therefore regret to inform you, that the Bank will not be able to accede to your claims with regard to the disputed transaction. However, if you still suspect foul play in the above transaction you may get the same inquired through the concerned statutory/regulatory authorities. We on our part, assure our co-operation in the said proceedings.

In view of the reasons cited above, we advise you to meet this explanation with reason and acceptance & make the payment of the outstanding dues towards the disputed transaction along with service charges (if any). in order to avoid any inconvenience. May you require any further clarification, please feel free to call us at our 24-hour Customer Care.

Looking forward to your co-operation in the matter.

Sincerely,

Pakyamallar Nadar
Customer Service Manager
ICICI Bank Limited

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 unauthorized 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.


Hi

I am an ICICI bank customer and right now I am very angry with the sort of response my bank has given me.

A couple of hours back I have fallen prey to a credit card fraud whereby I happened to share all my personal ad card details and yes OTP as well. I know I should not have done that and I know that the bank keeps intimating me about such frauds. But be as it may I did happen to be deceived.

Upon being faced with this problem I knew I could rely on the 2 pillars of empathy and understanding -

1. Police
2. And you the bank

I rushed to the nearby Police station and was informed that they can take the complaint but it would be extremely difficult for them to crack a case like this because the amount in question is low (for them) and because if the scam is occurring from another city - they would not be reimbursed by the government for travelling there.

I was despondent but at the same time I did half expect the Police to treat me in the above mentioned manner.

However, I had greater trust in my bank and I was sure they would certainly help me and do something about the situation I found myself in.

Little did I know that I was up for a disappointment so great that I would be moved enough to type this email.

So here is how ICICI bank responded -

Your 1st bank executive told me to call the support center and went back to his work.

Your 2nd bank executive juggled between a phone call and telling me what your 1st bank executive had said.

Your 3rd bank executive at least offered me a seat but she turned out to be from your Credit Cards Collection department.

The customer at this point in time was looking at being saved from the scam. However all 3 of your executives and your Support Center told me to pay up the amount. They refused to even accept a Disputed Transaction Request.

At this point I want to highlight that I had reached your bank branch within an hour of the fraud and the bank is also aware of the 'party' which has received the amount. Which makes me ask -

Why then none of your executives are enabling the bank customer report the transaction as malicious?

When your bank is trusting me with the complaint and blocking the card, why is it not closing the open loop by affirming my claim that the transaction was carried out by a phishing racket and hence report the transaction as malicious?

I must highlight that because of such behavior from banks such as yours the instances of Fraud would continue to rise.

In the end the penultimate question is -

Why is it that ICICI bank does not trust its own customers when they are complaining they are swindled?

I am sure a bank of the repute of ICICI is bigger than such petty behavior and can be more customer centric.

I await your response and hope that you will give me some succor and much needed support.

Still a customer
Anshuman Singh

Made an online payment for online shopping on 5th Aug but due to server error amount has not been credited to that particular account but amount has been deducted from my account of rs 3000.. So refund my money asap..it's more than 24 hours.. Have not received any pau back amount from the bank.Else need to take appropriate action.it's really frustrating from a customer point of view.

Hi,

This email is to bring to your notice that we have been forged and wrongly communicated about home loan insurance.

Home loan A/C no.: LBBNG[protected]

ICICI Prudential Insurance policy numbers:[protected]SK Zahir Ahmed) &[protected]Gargi Ahmed)

This insurance against our home loan was initially informed by a person name Arun(no longer with ICICI) who had informed that it was a mandatory rule to insure the

loan amount as per ICICI guidelines. Later it was discussed by Kamesh (concerned person who misguided/never explained) who never informed us that this insurance was optional and based on our discretion.

We had asked Kamesh multiple times why we needed to take the insurance as we were never interested but on none of the occasions he had explained us that it was not mandatory. We also spoke with multiple people expressing our dissatisfaction against the home loan insurance but never it was told by any of the ICICI employees dealing with our loan that it was optional until today when we forced them to give us the details of our home loan and asked them to explain us in a more detailed way.

At this point we consider that we were fraudulently given this insurance and Mr. Kamesh had c along with other ICICI employees who never bothered to
let us know the truth inspite of reaching them out multiple times.

We want to cancel this insurance right away and expect ICICI to compensate for this forgery. As a loyal customer expecting a quick resolution.


Thanks,
Zahir Ahmed

Dear sir,

I have make an atm transaction of inr2000 from icici bank atm id-s1vdb979 on dated 22/04/2013 6:53pm, but got received inr 800 (100x8) from atm machine. I have informed to nearest icici bank rourkela main branch, their personal suggest me to wait 24 hr's the money will be credit on the same account[protected], but the disputed amount (Inr1200) still not credited on my account till date. I have also submit written compliant at icici rourkela branch on 24/04/2013. On 25th i got received one message (Sr[protected], dear customer, we are unable to reverse the transaction as it has been paid completly) from icici. Actually i got only inr 800. My fault is only that i used icici atm. Please help in this regard. I am still waiting for my money. I am regularly following the same at icici branch but no satisfactory action taken as yet. Please help in this regard.

Regards

I have opened SCSS a/c with ICICI bank in Dec 15. with instt payment quarterly. But I have received the less amount of instt on ist April 2016. So I have informed the problem to ICICI Gulmohar branch at Bhopal ( a/c open in the same branch) & wait for correction by credit of difference amount. But again the same thing was happened in July also. So both time I have received the less amount of instt. I have also submit the written application in the month of May 2016. Still the problem was not resolved.
waiting for balance amount.
Suresh jain
[protected]

I am Customer Of ICICI Bank, I have notice they are 100 % fraud indian bank.
I want to raised the complain to RBI Please let me know the process how to made complain on these looted bank.
They had deducted amount any time without any reasons. Once i ask for our friends to deposit some amount for urgency use when i checked amount was stolen from the bank, i tried call center many time but call was rejected by them saying many customer is on line.they never respect any customers.Its my always and strong recommendation to all please do not use ICICI Bank Account for futures.
My Mobile Number is - [protected]

Want ur immediate intervention. Have deposited Rs. 85800/- and Rs.one lac on 15th and 17th of june in icici bank brnch kalamboli, navi mumbai in the account no.[protected], IFSC code ICIC 0002779, PEN no. BEZPA9550H. This account is in the name of Reckon enterprises fraudently operated by some gangs. The amount was deposited through NEFT vide ref.no. P[protected] and ref. no. P[protected] from syndicate bank brach sec.18 noida. The matter has been investigated by crime branch mumbai and cyber cell mumbai. i was informed that the said amount will be credited back in my account within days. It is now more than a month nothing has happened on the plea that account has been kept on hold by the person operating this account. Is the bank so helpless that despite investigation my money is not credited back and why no action is taken against the persons who for all purposes are using this account on fake papers. Pl look into the matter on priority and get the needful done without any further delay. Myself shiban ganjoo, email id [protected]@rediffmail.com from noida

Hi,

My card no is [protected]. Four months ago a agent called me and told me to get icici card, and she said there is no monthly charge. But now i get montly charge bill every month.
Please get my card closed. I m nt paying any penny as i am being cheated with fake policies told to me. I have also registred close request 3rice this time. Service equest no is sr[protected]..
The agent no is [protected]

Hi,

I am a Kotak customer and by mistake I have transferred 2400 in this account of ICICI[protected] on 14th of March. It was my error as the account number where in had to transfer ends with 1 and being a typo error, I entered 2. I spoke with numerous managers at ICICI and no one is able to help and everyone just keeps on telling me that they can do anything as its my error. Yes it is my error and I'm not denying it but as a consumer my transaction needs to be secured. I'm asking the bank to reverse the transfer that I initiated and not asking them to just give me money from random accounts. None of the bank is helping me. Can you please help me on this ? Urging as it is going on from last 6 months.
Name : Ankit Malviya
Email : [protected]@gmail.com
Ph : [protected]

Neft send by my bank through hdfc bank on DT[protected] for rs 105000/- to your malegoan branch
Ref no-4441U[protected]
Ifs code ICIC0006428
Bene bank ICICI BANK LTD
BRANCH MALEGAON

Reply to Us on
[protected]@gmail.com

Dear sir/madam,

I have approached icici bank customer service, since 1 month with my issue. All i get is standard emails with an apology and requesting for more time to handle my query. After sending mail from my corporation bank branch the issue not resolved. Icici bank cannot play with people emotions and time.

Thanks & regards,
Gaurav kapoor

I was working in icici bank ltd, videocon tower jhandewalan ext new delhi payment solution group on the payroll of modern business solution.
I have resign on dated 20.05.16 with one month notice period my last working day was 16.06.16.
Still ICICI BANK RHS MR. Sumit Tyagi Terminated me without reason.
He is updated termination in vsts instead of resignation.
I want request to change the status in vsts as resignation asap.

Wrst experience.

This bank only give excuses nd following dates.. To pamper the customer but do not actually process the their work... I give all documents to claim my father fdr amount after my father was death..
Then they told me u will recieve the amount in 7 days but still the amount is not yet paid.. Nd 3 months are almost completed..

Bad processing work
. Wrst experience..
Not to give any reference fr this bank