ICICI Bank Complaints & Reviews

Dear sir/madam,

Credit card no: [protected]
My last credit card statement due is rs 31564.70

And i made the payments in below dates

04/04/[protected]Through net banking)
08/04/[protected]Through net banking)
08/04/[protected]Through net banking)
08/04/[protected]Through bill desk) - as 8th, 9th, 10th are holidays so that i don't money in my account what ever money that i have i paid through net banking, remaining i have paid from my friends sbi account in the form of bill desk. But i don't know it will 3 days to credit. Previously i made sbi card payment through bill desk and it will take 2 days to credit the amount and they the reflecting the payment details that time that i made the payment only not the credited date. But you people are calculating the received date. I don't about that.

Please take this as a request kindly remove the interest charges on my account


Regards
Narendra
[protected]

Hi,
My it refund is credited to wrong account number.

Esc sequence/utr no.- [protected]
Settlement date- 18-march-2016
Micr/ifsc code - icic0000177

Correct account no.[protected]


Already escalated to [protected]@sbi.Co.In but their excuse is that icici bank not responding.
Even escalated to [protected]@icicibank.com & [protected]@icicibank.com but no response even after 20+ days.

Kindly process in correct account number.

Rgds,
Aditya

Sir/ madam,

I and my wife was maintaining ppf account (No. 6005012 & 6003636) with assistant dy. Director, ppf section, gpo, kolkata – 700001.

On 13th may 2015, i made an application to the post master, gpo, kolkata - 700001 and requested to the post master, gpo, kolkata - 700001 for transfer of fund from gpo to icici phool bagan branch kolkata as we are having saving bank account in icici phool bagan branch.

Thereafter, dy. Director, ppf section, gpo, kolkata has sent the demand draft in favour of icici phool bagan branch on october 2015 with my contact and address details (Demand draft no. 655638 & 655639 dated[protected] to the icici phoolbagan branch for crediting the amount in my ppf account.


Thereafter, i regularly contacted icici phoolbagan branch and kept inquiring about the receipt of demand drafts but concerned official of icici bank, phool bagan branch denied of having receipt of my demand drafts dated[protected].


Ultimately to my utter surprise i came to know that demand drafts had been received by icici phool bagan branch long back around in the month of november 2015. Neither bank officials had time in 3 months to deposit the demand draft nor had time to contact the customer resulting to expiry of demand draft.

That in gross negligence did not credit/ deposit demand drafts. It took me 6 months to get the draft from gpo and again i had to revalidate the demand drafts which will take 3 months at least.


Due to icici phool bagan branch negligence, i suffered (Still suffering) huge financial loss including the loss of interest and yet to receive my principle amount. I am also not able to invest in 80c in fy[protected].

Icici bank completely kept me in dark and harassed me and deprived me of my money in time due. Being a senior citizen i request you not to harass me further and resolve the matter.

Under this circumstances i request icici bank to pay my principle amount along with interest @ 18% from 1st november 2015 till the date of payment of principle amount or i will be bound to take every necessary legal action against icici phool bagan branch and raise this incident to rbi, banking ombudsman, consumer court and to every respective forums.

There is lack of internal control and audit procedure and no accountability at all!

An early action in this regard is highly desirable.

Thanking you,

Yours faithfully,


Regards
Pratik kheria (Aca, acs, international cfa)
+91 [protected]


For rajendra prasad kheria

Dear sir/madam,

Pls refer below to my grievance concern regarding icici credit card .
Kindly go thru chain mails and help to get justice.

Regards,

Ritesh
[protected]
________________________________________________________________-

Ritesh bindal
11:47 am (9 minutes ago)

To customer
I need to discuss it with you, pls call back.br...

Ear sir/madam,
My name is m. Santhosh kumar and i am having saving bank account no.[protected]Zero balance account) last 6year with icici bank, nadalur branch. My complaint is related to the minimum account balance charges, that bank has debited from my account without any communication in this regard. The bank is charging exorbitant charges and that too on monthly instead of quarterly basis done so far. I have never been informed of such policy changes. Also the charges for 3-4 months have been debited together but after a gap of 4 months from first month so that the customer does not get alert about the charges and could take corrective action. I think icici bank is not even following the guidelines mentioned by rbi.
Please find the below details for all the transactions made by bank.
Date transaction remarks amount

24/02/2015 dcardfee3462dec12-nov13st 90.62
02/03/2015 mabchgs-dec14+st 3.77
02/03/2015 mabchgs-dec14+st 268.87
12/03/2015 mabchgs-feb15+stax 43.26 393.26
16/03/2015 smschgsjan15-mar15+stax1.65 15.00
22/06/2015 atmdec chg/19-05-15/0556/25st3 28.50
22/06/2015 atmdec chg/19-05-15/0556/25st3 28.50
07/08/2015 smschgsjul15-sep15+stax1.84 15.00
09/10/2015 mabchgs-aug15+stax28.12 228.97
10/11/2015 mabchgs-oct15+stax4.79 39.00
23/11/2015 smschgsnov15-dec15+stax1.45 11.45
5/12/2015 mabchgs-nov15+stax 58 458.00
13/01/2016 mabchgs-dec15+stax5 39.51
16/02/2016 mabchgs-jan16+stax4.94 39.00
17/02/2016 mabchgs-jan16+st 419.00
29/02/2016 smschgsjan16-mar16+stax2.18 17.18
15/03/2016 mabchgs-feb16+stax25.68 202.82
6/03/2016 mabchgs-aug15+stax28.1228.12 227.03
16/03/2016 mabchgs-sep15+st 88.61
02/04/2016 mabchgs-oct15+st 417.00
02/04/2016 mabchgs-dec15+st 417.00
02/04/2016 mabchgs-sep15+st 369.39
02/04/2016 mabchgs-feb15+st 91.01

Total amount : 3, 908.49

I don't have any mail informing about this smab charges. This is second time icici charging mab account within two months. I have no information from icici. No call, no mail and no msg. Now that i understand that icici bank has not informed me about change of balance system and if charges deducted are not credited back to my account then i will be left with no other option but to take this matter to higher authorities and banking ombudsman as this is clear violation of rule 8 (1) (K) i. E. "levying of charges without adequate prior notice to the customer" of the banking ombudsman scheme 2006.


Name: m. Santhosh kumar
Account no :[protected]
Branch name:nadalur
Cell no: [protected].
At a time when other banks have done away with mab charges, icici bank is fleecing customers. Please take suitable action in the matter.
Regards,
M. Santhosh kumar
[protected]

I should admit i have chosen a worst private bank which i thought it could be good but i can to know this banks real face when i came across he problems and happen to request the service from them. I nearly sent 13 emails to get my statement as soft copy but this bank was ignoring my emails and never gave the statement till now. In fact i see unprofessional and unqualified people are working in this bank where no one doesn't understand what i was requesting for. By the way i got a recent email from the bank with somebody else's name and details that suppose to be confidential.

5 reasons that i would ask people not to use this icici bank because:
1. Worst customer service.
2. No response for the emails.
3. You'd never get your bank statement (Seems some fishy stuff is happening with thi bank).
4. Icici staff abuses the customers.
5. Bank charges some unnecessary charges over the account.
6. This bank is not keeping the information confidential.

For customers: please check the attachments as proof.

Dear Krishnan, - Appllete authority of icici bank

Its disappointing to see the credit cards deductions ..when i did a recharge of 40rs..the available credit limit was 31574, after swipe of 40rs it shows as 29413 as available credit limit..pls could you explien how is this possible...this is the 2nd time ..earlier when i tried to swipe for 5000, more 1300 was deducted...when i spoke to customer care..the response was really rude and hhe was talking as he was doing some favour for me.

request you to take an action or else need to cancel this card..because did not expect the same from icici bank..holding an account in icici bank from more then 14 years..if this happens will not able to continue with account also in future.

pls expidete the action.

Thanks
Vijay

The pogo machine was taken away in oct'2015... As i wasn't there, the guy took it from my office boy, and gave some signed sheet... Which is misplaced.
Then the gprs machine was taken in jan, and was told that the notification will go automatically to the bank.
In feb there was a debit from my account, somehow i managed to contact the customer care, and they said, sorry, the customer has to mail us... I did it.. And also made sure, they reverse the charges for pogo which was already taken in oct.. Nothing happened..
I did receive mails, and confirmation, that the system has been updated.
March, i was again debited... I again sent mails... And i was told, we have updated.. April i am again debited, again mailed.. And i got a mail from them that we need 4days to reply... Since then i dint get any reply.. And yesterday i have again received the statement for april which they have or will be debiting my account.
This is pure harassment and fraud.
Please take strict action against the fraud icici merchant care... There must be many more victims like me.
Mid no. [protected]

Abbott is having employees salary account with icici & also reimbursement account linked to the salary account.
I got a reimbursement from my company amount rs. 16555/- & the same has been blocked by icici reason given by them is credit card o/s.
On discussing with them i came to know that there is an exorbitant amount charged towards late payment fees, interest on late payment & service tax chages which piled up to rs. 16555/-.
On my own many a times i approached icici to make a settlement but got vague answer.
I requested to settle this issue for an adhoc payment of rs. 10000/- but they refused. I have informed icici that interest will be charged to them till the time my money is blocked with them.
Requesting you to help me in getting back my money & support in settling this issue.

Hi,
I am using icici credit card, my credit card bill was rs. 10, 209.8.
I got mail from icici bank as payment reminder which was like

"payment on your icici bank credit card account no 5241 xxxx xxxx 6005 is due on 13/03/2016. You may choose to pay the total bill amount of rs. 10209.8 or the minimum amount of rs. 520"

This clearly states that the minimum paid amount to bank should be rs. 520.
I paid the bill of rs. 10, 000 on 11th march 2016 and due date was on 13th march 2016. Even after paying 10, 000 rs instead of the small minimum amount as specified by the bank ( i.E 520). In the next month statement i got interest charges applied on me.
The strange thing is that the interest charge was rs. 1001.60 for the outstanding amount of rs 209 (Only). This is just pathetic and unbelievable.

I wrote a mail to customer care but the responded "

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."

I have got the authorized mail from the icici bank regarding the minimum amount to be paid and thus want to challenge this decision of apply the interest charges on me.

Please let me know what else info we need to submit.

I am balaji b ([protected] ) using a credit card of icici bank ltd., i had a due maount to be paid on 7 th april and i did make the payment for the same value on date through fund transfer. In thier credit card statement for current month the date of payment received by bank is also reflecting as 7 th april. But they have charged me 2358 as interest and 400 as late payment charges. Thier customer care also could not help me and they are not ready to escalate this to thier higher authority. I have been using this card for past 9 years and i feel very irritated about the response.

Dear sir,
I paid my due (25, 927.14) via click to pay against my credit card-[protected] due date on 7th april 16 .I was paid this amt prior through cheque {dcb bank 000011, dated 01-april 16 friday. I dropped this cheque in gurgaon sec 14 branch cheque drop box.I tried to deposit on counter but one icici bank employee told me, sir this post dated cheque and you have sufficient time for clearing, pls drop in drop box,
But when it not cleared in account till 6th april 16, i contacted icici bank why it not banked till date they suggested me sir, you cheque is may be missed, kindly stop the payment against this cheque and make the payment online.
Where is customer is wrong, icici staff is cheating with me, and they levied 2739.68 as late payment + interest charges+ st .
Interest-1, 692.74
Service charges-245.45
Late payment-700.00
Service charges-101.50

Kindly help me and take serious action against bank,

Regards,
Munender
[protected]

Dear sir,

I have been cheated by icici bank where i have my salary account...For an atm withdrawal, where i actually dispensed only 50%of the money i asked for, whereas the 10, 000 entered on the atm machinemy account has been deducted from my account.
I have been writing and speaking to the customer care from the same day . Now it's over 35 days and they have sent me a message that they cannot do anything about it as it is a successful transaction.
I am being penalized for their fault of not having a security person or ups at the atm. I was forced into using the other atm(Kotak mahindra). Instead of checking out on the cc tv footage and giving me justice, they conveniently usurped my hard earned money.
Is there any way you could help me out or suggest that i can take legal action against them and claim compensation for torturing me for their negligence.

Icici sr no[protected]
Loan a/c number - lbpun[protected]
As per builder he has not received any cheque no[protected]
Possession of my flat pending due to this pending cheque.
As i have checked my home loan account details, it is showing the cheque amount (1, 64, 000) has been already disbursed to builder.
For last three months i am paying interest  (Emi) for the amount which has not been disbursed to builder.

Don't you have responsibility to let applicant know why it has been happened??? Don't you let your customer show interest to approach icici for any other kind of loans??? Even being a icici salaried account holder, ...

1.I already given more than enough time to nitesh & his team to do the needful required according bank procedure.
2.Several times on daily or day after day pro actively contacted nitesh from last more than one month.
3. I signed reissue cheque request on 5th of this month, from the date i am in continuous touch with nitesh about cheque clearance, but many times just got commitment, we will withdrawn cheque & share photocopy of same, till date no progress & clarity.
4.Surprise to understand which procedure bank & home loan team following to reissue the cheque which already issued on date 28th jan, didn't credited on builder account, but linked to home loan without any delay.
5. Now the simple way i would suggest, if you couldn't resolve issue kindly return 3 months interest occurred on disbursed amount (1, 64, 000) which i didn't get. Also reduce loan amount to 9, 36, 000 from 11, 00, 000.I will issue separate cheque to builder from my account.

Regards,
Nilesh

Dear sir,
Background: i had a salary account with icici bank bearing number[protected] and a credit card with number [protected] linked to it. It was 2008-09 i went for an onsite assignment from my company to hong kong. There i lost my wallet, i called icici customer care to block the cards, and they said, card was blocked and is safe. I came back to india only to get shock when i saw 72, 000 rupees credit card bill. When i inquired customer care, they said, server was slow in updating information, hence we said, card was safe. I had raised a dispute, there was no conclusion, the dispute was going on, and they blocked my account which has around 80, 000 rupees. It was my marriage time, upon my request they released apprx. 40, 000 rupees…..From that time, i stopped using icici bank, never had any sort of relationship. I changed my company and there was no further communication between us.

Fast forward to 2015-16.
I’ve joined a new organization which doesn't have other options, hence forced to open a salary account with icici bank again with pocharam branch, hyderabad.
Icici couldn’t able to open new account on my name as my old salary account was still exist in their database, so they closed old account and created a new account bearing number[protected]. While opening account, i had assured by bank manager that, my new salary account will not be linked to old disputes (I had explained in above para). But, they deceived, breached my trust and linked my new account with old disputes and without my consent/call/letter deducted an amount of 58385 rupees at one go on 13-apr-2016
Sir, this amount i was keeping for my sister marriage jewelry shopping, i was just shocked to see this.
When contacted, icici says, they have all the rights to do so...I just want to understand, who gave them authority to withdraw money
1. Without a call/letter/intimation and my consent
2. How can they link my new account[protected] with already closed old account[protected]?
3. My old dispute was not closed, icici never won that dispute...In that case how can they simply withdraw my money, and this is just arm twisting because money is in their hands.

Sir, i request you to please ask concerned icici bank personal to release my latest deducted amount of 58385 and work on old dispute and settle the things. I almost paid 1, 00, 000+ amount for no mistake of mine. This is too huge amount.

Your’ s sincerely,
Akhtar

I have been trying to get closure on my expired credit card but the ban keeps charging interest and sending me statements. I have called customer care a number of times for solution but they refused to close my card citing pending charges.

I have cleared all payment as advised by customer care and they told me to call a week later to close the card. When i called again they told me the billing cycle had started and interest has been charged.

I want a transcript of all the calls i have made and the responses i have been given. Also i am no longer accepting any statement from icici so i am not aware how much they have charged me after request of closure. I will not take any responsibility of paying any more money to icici credit card and i will not negotiate on this. I cannot waste time calling customer care. They don't give solutions. I have had an excellent experience with stanchart and i wish these icici take some lessons from them.

Kindly take action immediately.

I am house wife so unable to maintain macbchgs+stax of my icici bank account no.[protected]. This amount refund to me and account open on zero balance facility or close my account as earlist, so balance should not go in negative. Thank you.

Dear ICICI customer care. Application no[protected]. My personal loan application was rejected, but reasons were not yet revealed even after i made many calls to the concern person([protected]) who interacted with me while processing/collecting documents for the loan. I got call from the above number and said that your loan was rejected.Is this right way to answer to your loyal customer??? don't you have responsibility to let applicant know why it has been rejected??? Don't you let your customer show interest to approach ICICI for any other kind of loans??? Even being a ICICI salaried account holder, I totally fed up with ICICI response in this regard. I dnt mind of giving up ICICI account and choose some other bank for better customer service.if i wont get proper response this time. Here i request you to let me know what exactly went wrong in the loan processing...(Exact reason).Please do the needful Regards, Sudeep [protected].

Hi team,

This is regards to the call which i am getting from the recovery agency from a 3rd party of icici bank regarding a personal loan. I've been getting these calls for a quiet a long time and whenever i've asked them to send me an email from icici bank official mail id they are not. Today it went to an extent where they are contacting me on my office land line and also contacted by husband and colleague about this loan. My husband collected the loan details from him and are as below

Loan number: lidng[protected]
Loan amount: 30, 000/-
Loan date: 27-sep-2005

All the details which they are providing are matching except for my dob. I called icici bank customer care directly but they are asking me to visit the branch to submit my documents. Now i'm even more scared as someone has forged these documents to take the loan, now submitting the document to icici bank again is becoming a concern to me.

Just to bring it to your notice that icici bank cannot and against the law to take personal information about an individual without their concern.

I hope someone looks into the matter and writes back with the details.

Regards
Archana

Dear sir,

My home loan account number: lbmum[protected]. My home loan is 10 years old & i am currently paying 13.6 % interest which is very high so i had called your customer care a month back, they asked me to visit your branch & ask for conversion for roi and submit the application.

I have visited your vashi branch for last 3 weeks & every time they did not accept my request giving the excuse that icici bank...