ICICI Bank Complaints & Reviews

Hello,
My name is manish rai i am holder of saving account with indusind bank with a saving account no[protected] and my home branch is noida sector-18.I am writing this email in great disappointment, i would like to share my bad experience of banking with indusind. I am a salaried person working with pvt. Organization in delhi and trying to cope up with life by earning my livelyhood, i have my family in bihar who is totally dependent on me and my salary. With a great agony i would like to bring an instant to your kind notice. I would like to share that i am earning 16k per month and staying alone in delhi to full fill my family requirements. On a pleasant day of december when i got my salary on 7th december i was in bad need of money so the other day i thought of withdrawing money and planned to send it to my family in bihar.
So, i went to icici atm near 12/22 noida to withdraw amount of rs 4000 at around 9 dec 5:39 pm, but i was shocked to notice that the amount trying to withdraw did not come out of the machine after that i tried contacting the guard at the same atm but he was of no help and directed me to my home branch of indusind bank. I would like to bring it kind notice that it's been more than 2 months i am traveling here branch to branch desk to desk but did not get any remedy of my pain and loss. I have been in touch with my branch manager but he is also reluctant and seems in no mood to help, and induslnd officer is saying that icici bank is not giving cctv footage
I also got in touch with icici bank but for them i am not their customer so they re-directed me to indusind again. You can understand for a person how is earning 16k per month a transaction of rs 4000 is a big amount with that loss i am being mentally and physically harassed on day to day bases.
So, this is my last hope and resort to write this email to all the big position holders of reserve bank of india
So i here by request and please of resolution of my matter as soon as possible or else i will have to take this matter to the honorable jurisdiction of india.
If you any question me and my number is [protected]
I am waiting to your positive response
Thanking you in anticipation

Dear sir,

This is a complaint on the surcharge waiver being offered by icici on coral cards.

I have a salary account and in course of time i was offered a coral credit card. I have been selectively using this card only in hp petrol station. In spite of this cautious approach, i found out that i was being charged with the surcharge fees continuously for 3 months. I want to get this charged reversed at the earliest..

Sir i would like to bring to your notice on the vulnerability to a customer. I had a call with the customer and they told me that i need to make sure that card is swiped on icici merchant services swipe machines

What else the customer need to make sure?? Even after making sure that the card is swiped at hp outlets, they want the customer to go inside office counter need to verify the pos machine and check if those machine is of that of icici. Is this not the responsibility of the icici - hp?? Should they want the customer to go and confirm on their desk and see if they are using the correct machine or not.

Sir please consider this complaint on behalf of a multitude who face this issue..

Let me paste the transactions from the same hp outlet..

I have been constantly getting reversal of surcharges till dec '15-see below


Old transactions with the same hp outlet for which the reversal has happened
[protected][protected][protected][protected][protected]-------
28/11/2015 74766515332547578900305 sri venkatadhri servic bangalore in 26 514.25
30/11/2015 rev of hpcl surcharge rev 12.50 cr
30/11/2015 service tax reversal 1.81 cr

But the past few transactions you can see clearly that there has been no reversal of the amount from the same hp petrol bunk
[protected][protected][protected][protected][protected]-------

1.) 30/01/2016 74056636031001136138658 sri venkatadri service bangalore in 3 161.45

2.)16/03/2016 74056636076001220308015 sri venkatadri service 514.31 dr

I am providing the phone number for presenting my case and to get a reversal of surcharges and ale so to bring a clarity on the t&c so that such things will not repeat to vulnerable customer whose voice cannot be heard.

3.) i too had a recent transaction at the same hp petrol bunk on -08/04/2016 [rs200] and 10/04/2016[rs500] for which i do not have the recent statements.

I am providing the phone number for presenting my case and to get a reversal of surcharges and also to bring a clarity on the t&c so that such things will not repeat to vulnerable customer whose voice cannot be heard.

Rgds
Sam

Taking icici credit card was the biggest mistake of my life. Their staff has no manners and don't know how to speak to a customer. I got a call from this lady sonu the other day for the payment of my cc wherein she was literally shouting on top of her voice. My payment was due as i was traveling out of the country and somehow missed to pay the same. She is such a harraser that she involved my family in it. Sent her representative to my house and gave call to my mother and harassed her. Why do you have to involve one's parent for a puny amount of 5000 which i was eventually going to pay.

She didn't understand and kept on harassing even the peak of the same was when even after making the cash payment in their du branch they sent a representative to my house and insulted my parents for the same. How could you do this to anyone, i mean i don't understand they don't even respect elderly people.

This is such a shame and coming from a mnc like icici it's unbelievable. I will complain to consumer court as well and make sure to sue them for this behaviour of theirs. This is unacceptable and i'm sure nobody will tolerate the same.

From last month a lady from icici bank call me several times in a day from no. [protected] or e [protected] . She asked me to pay bill of my father credit card . Why i am going to pay if i didn't used it .She always talk nonsense dont know how to talk .And she also make calls in my company where i did my training but due to her calls company through out me. Only she is responsible for this.How can a bank appoint such type of peoples .

On 24th of aug 2015, sunday icici representative came to my home to collect auto debit change form. I requested to change auto debit for lbche[protected] from indian overseas bank account to icici nre account to make the emi transfer process smoother. I have signed all the mandate forms that the representative told me. Also i provided blank security cheque to him.
So for the month of sep 2015, i expected the auto debit to happen from my icici nre account. But the icici loan branch representatives requested me to authorize the emi deduction from my icici nre account and also promised that the auto debit will be enabled for the next emi month.
As every emi due date passes, the icici representative would call and request me to authorize the debit from my icici nre account through email and promised that the mandate will be effective next month. This continued for three months and hence the bounce happened for those months (Aug15, sep15, and oct15)
Sumathi along with sivaram were the people who are contacting me on this issue on behalf of icici. As i was requested to authorize for the month of nov 2015 also, i strongly objected to it and asked what had happened to my mandate form and the blank security cheques. I was really worried about the blank security cheques being misused and asked for the same to the representatives who called me in the months of nov 2015 and dec 2015.
Only then the representative (Sumathi) informed me about the missed column to be filled in the mandate form which i was totally unaware of till the month of oct 2015.
It’s very obvious that i did not receive any proper response from the icici representatives on this issue and i was kept in dark about the blank cheques. This was the reason for which i withheld the authorization of emi for the month of nov 15 and dec 15.
After the promise from the bank representative that the issue would be resolved and the blank cheques are safe in the hands of the branch official, i have authorized emi properly from the month of jan 2016, by when a new problem raised.
When i authorized emi for the month of jan 2016, overdue charges and cheque bounce charges which happened due to the mandate issue was debited from my emi. I have raised this issue with sumathi and she had promised that it would be adjusted in the ensuing month's emi. And she adjusted the overdue charges in the feb 2016 emi.I have asked for these charges to be waived off as this happened due to the mandate form issue. But sumathi has been dodging me for more than two months on this issue. Also i have requested her to change the auto debit account to my old indian overseas bank account. She has not responded appropriately for this as well. As you can see that the issue is open for more than two months without any resolution and there is no sincere effort from the bank to solve this issue.
And on 2nd april 2016 sumathi has replied in watsapp saying that overdue charges of rs.2000 and cheque bounce charges of rs.1137 will be reversed which is contradicting her previous watsapp communication which reads a reversal of rs.2500 of overdue charges and rs.1137 of cheque bounce charges on 15th march 2016 for which i have objected already and requested to reconsider and resolve the reversal issue asap. I have been continuously on calls and messages with her for the past two months to resolve this issue. I didn't expect this kind of response from icici bank and this much time to resolve this issue.

Dear Sir,
My name is sandeep, i have opned a salary zero balane account in cyber greens city gurgaon branch.my account number is[protected], there are seven thousand rupees in my account since last one year, but now i have check my balance, there are only four thosand some rupees.these charges deducted as smab charges + s.tax, my account is for salary account as zero balace, then why icici deduct this money, i have deposit this to do very hard work, but the icici have easily deduct this amount without any information.now i want to credit my deducted money in my account back

R u guys running a bank.. or dis is some kind of joke going on.. today I withdraw a amount of 5000 at 3:11pm from the ICICI atm ashok vihar phase 3 gurgaon and at 3:22 pm I received a message with 15000 withdrawl from my account.. this money is really precious for me as I was saving this for my moms operation from last 3 months.. now who will compensate me for this amount.. I am going to the consumer court as I am really irritate with the service of ICICI bank.. also going to print this news in news paper to make people aware of this disgusting service of you guys.. I want an immediate action and reply for this matter.

Sir aaj maine maine hdfc atm se money nikalne gaya tha mera a/c[protected] hai 2500 rupees nikale pr amount nikla nahi or muzeh message aaya ki aapke account se rupees kat gaye hai
Meri mobile no-[protected]

In my credit card statement from 24-jan-2016 to 23-feb-2016.

I was having previous balance displayed 17493.36 which got neutralized with the payment of 17493.36 and new purchases was worth of 51921.29, for which minimum amount due was 2600/- with a due date of 13/03/2016. I paid 3000/- on 10/03/2016.

Now in the statement from 24-feb-2016 to 23-mar-2016.

Icici is now asking me to pay interest for that 3000/- also which i've deposited in previous month and charging me interest on the complete amount of 51921.29/-.

Also, when i saw the issue i called up 3 times to icici customer care and surprisingly there team was incapable of providing me a clear answer of those extra charges, instead they shared with me an interest calculation sheet.

When i followed the same with a senior executive in customer service department with the name of mr naresh, he was unable to give me a proper answer while i was discussing the interest calculation sheet with him.

I asked him a few logical questions which he was not willing to answer as he knew its a mistake of icici.

I thought of compiling a complete story and sending it to the complaint department then i got a reply from mr indrasena reddy, customer service manager who instead of bringing transparency in the extra charges tried to scare me of the extra charges which will be piled on me if i won't timely pay to icici.

That's a clear unethical behavior of icici overcharging customers and when asked not able to provide clear explanation instead avoiding communication with the customer as they know most of the client don't even check their statements thoroughly so icici is trying to levy unnecessary charges.

I got this credit card a few months back and in past few months they have charged excess of 5000/- from me. Now lets say icici fool just 1% of indians (I.E. 125 lacs people) with these extra charges, they are earning 6250 cr and then they proudly show their numbers at quarter or year end displaying their growth or success via fooling their customers and passing the profits to fii share holders.

Trust me on this i am not putting this complaint because you are over charging me for 1664.76/- but because i've got unprofessional response from your teams and you've lost a loyal customer.

I've blocked my card and there won't be any further transactions happening from my side and i'll pay to icici what i am liable to pay i.E. 42220.62/- not a paisa more, as i've already paid 10000/- to icici yesterday.


Not so much of thanks for everyone in your team.

You guys do hell of a in-operations.

Jatesh sachdeva

I have applied for ICICI bank credit card in Nov 2015. Due to some reasons, I was out of station and after that I shifted my home. So, Credit card was not delivered to me and was returned back.

On 10th Jan 2016, I received mail that my credit card was blocked due to undelivered.

But after that every month I am receiving payment reminder mails and monthly statements.

I wanted to raise the complaint directly to ICICI bank but for that Account number is needed and that I don't have.

So, Kindly help to forward the issue to ICICI officials, so that things can be settled.

Best Regards,
Jagpreet Singh
[protected]
Email: [protected]@gmail.com

Dear sir,

I am salary account in icici bank holder after i changed the company my salary account changed but several times i visited to icici yahalanka branch bu no information regarding smab charges regarding my account even i done pradanmanthari scheam from icici only and for lpg gas subsidy also i am very old customer still they updated as salary account only and without any infromation thay deducted total 4000/- as smab charges for middel class people it matters most plz give me justice and do the reversal of my valuable amount.

Respected,
My name is harshal doshi. I am a customer of icici bank from last two years. I have my salary account in icici bank.

Last month, i was offered a coral credit card from icici bank. Since i have my salary account in icici bank, i was offered a completely free credit card. I was told that there would not be any joining as well as yearly charges. It was offered absolutely free.

Now i have received a bill of 572.50 rs saying that these are my joining fees.
As a customer i feel cheated and unhappy. Being this big brand it does not suit icici bank to cheat its customers just for selling its products. Thus i'm not paying any joining fees or any other charges and i want my card absolutely free (No charges) as i was told.

I'm expecting icici bank to consider my complaint and respond to it.

Regards,
Harshal doshi.
[protected]
[protected]@gmail.com

Dear sir/madam,

Recent days me and my relatives are getting frequent calls from icici bank saying i have pending payment in icici bank from 2008, which is 100% not true. I have closed my icici credit card in 2008 giving cheque to bank in 2008. The harassment has caused me problems in my personal relationships with my family. I have been asking them to send me all the details they have, but they abused me and they're not ready to send any details. I have recorded the calls, and i am taking that aganist the customer care executive from icici bank mr babu. I don't have any details my credit card with me which i closed in 2008, so please let me know what i am suppose to do.

I called icici bank credit card customer service on friday april 8th 2016 at 10:08 am & i spoke to lady who's name i don't remember. I wanted to know the principal outstanding on the personal loan that i had availed on my credit card as i was planning to pre close it. First of all when i got connected to her, she was talking to someone next to her may be her friend or may be someone not paying attention on her system that the call has hit her. Later she gave her greeting and started talking to me. I told her that i wanted to know the principal outstanding on the personal loan that i had availed on my credit card as i was planning to pre close it. Not listening carefully she gave me the emi amount that i have to pay as per statement. I again repeated my statement clearly stating that i wanted to know the principal outstanding amount on the personal loan that i had availed on my credit card. She again gave me same answer in a slightly rude was stating sir please listen carefully and gave the same info which is the emi amount i need to pay. I clarified to her again as to what information i wanted and when she understood what information i wanted, she put me on hold for such a long time and never came back. I called the same number again and got connected to another customer service associate who gave me correct info and i also told that associate to listen to the hold music which the previous rep has still kept me on, not bothering to come back with the correct answer. I ended the call with the second associate but the first rep still did not come back on the phone to talk to me. I also explained this to the second associate i spoke to. She confirmed that she could hear the hold music about the first associate. I am really very angry with such a horrible service provided to me. I want strict action taken against her. She could not understand english and on top of that was rude and then kept me on hold for ever and never came back and so i had to end the call. I would want a call back on this as to why i was treated in this way and until i don't get a call from icici regarding this will keeping posting the same complaint wherever i can and also go to consumer court. I also work in a call center and so i know how to tackle such associates. Requesting you to please call me and explain why such poor customer service was provided to me and why does the bank have such associates in their department who are not interested in the job they are doing.

Hi,
I have a credit card with icici bank, on 25th december 2016 there was a fraudulent transaction on my credit card, rs 13000 have been spent on my credit card (Online transaction to vodafone), the credit card was with me all the time this fraud happened, i also got a call from icici that there is a fraudulent activity taking place on your card and that they are blocking the card, i gave them a green signal to block my card, after which i checked my i mobile app, which had no traces of such transaction so i became relaxed and carried on with my work.
After a few days when i opened my account online, i happened to see this fraud transaction, i immediately called in the customer care and informed them what happened, they told me that at this time (10.00 pm or 11.00 pm) the disputes settlement team was not available, and asked me to call in the morning, i called icici bank in the morning after spending 1-1.30 hours to get through the call center and the disputes team, finally they raised a service request(Complaint number) number (Sr[protected] and sr[protected], i was asked to give a copy of fir to icici bank along with one disputes form. I spent like 4 days to get the fir but the same was not registered in the police station as the police did not accept to raise a fir, so i brought a written application from the cyber cell signed by the dcp and also an application with the stamp of the local police station, i went to the nearest branch (Kalyani nagar, pune), they asked me to approach the credit card department at soma house, bhandarkar road, pune, maharashta, so i approached them and submitted my documents, as the person responsible (Area disputes manager) was on a holiday, i gave these documents to another person taking the number of the person responsible, the next day i called in to inquire and was happy to know that the person had submitted my documents to the responsible person, but when i called the responsible person i was astonished to see that this person was not at all interested to solve my case and talked to me in a rude manner, i informed him that i was recording the call but he continued to talk rudely .
Now few days after i get an email stating that the "investigation is in favour of the merchant", i inquired further and they said they will need a letter from my company hr or muster details that i was in office that day, i kept my company authorities in loop and asked icici bank to reply on the email so the genuinety of this case can be justified and the hr would give me such a letter, i am following up for 3 days now (5, 6, 7th april) but i have not received any response in this case.
I am very frustrated with this matter, i see no co operation from icici bank to resolve the disputes of customers. The delay in responses and the rude behaviour of the employees is a great concern as this is very frustrating .

I had applied for personal loan with ICICI Bank, i submitted my document but aftr that there was no response from anyone (even the concerned person who i submitted my documents to). All of a sudden i recieved a verification call and thats when the concerned person called me and said my loan has been pre sanctioned. After requesting her she gave me my application number #65996743. When i checked the loan status it showed REJECTED. I have no idea why it was rejected. The concerned person is not answering my calls. I'm able to get through customer service to know why it was rejected. This is not how you treat your customers. I need to know the reason for my rejection so i can work on it for my future needs. I did not expect this behaviour from such a reputed brand. If you could help me with the rejection of my loan that would be great. Conatct me at [protected]@gmail.com

Hi am Amit Rao (Mob No- [protected]) and as this is with ref. to my telecom with Sneha Jadhav (ICICI Bank - Mob No [protected]) dated[protected] regarding issuing of ICICI credit card of mine and thereafter I’ve provided my documents i.e. my Feb’16 salary slip, Pan card and Driving licence on the said e-mail id i.e [protected]@gmail.com.

As told by her that I will receive a ICICI kit and a mail from ICICI Bank which would contain the details and benefits of the credit card. I would like to inform you that as on date I’ve not received any details as such.

Since[protected] evening i'm trying to get in touch with her on the given mobile no [protected], the mobile is ringing but nobody is picking up the call. I've also mailed her but no respond

If anybody in your team can help in this regard as the soft copies of my personal documents are lying with them.

Icici bank — deduction of charges smab & sbc

2 reviews
Sh shrîkäñt lïñgàm on feb 29, 2016
Add a comment
Mark as resolved
Hi, i am having bank account in icici bank at vashi, maharashtra.
My account no. Is[protected]
I was just checking my bank statement and got the shock
Because my account has been debited by smab charges
Nov15+stax65.25= deducted amount-515.25 i don't have any mail
Informing about this smab+sbc charges. 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 changes of balance system and if charges deducted are not credited back
To my account. So kindly take my request as soon as early and refund my money.

I had availed ICICI credit card PL during 2015. While explaining the same, the pre-closure penalty charges was not disclosed and no agreement being sent to know the missing info about the loans terms and condition. The customercare person discussed this via phone and processed the amount within 3 days. Now I did inquired about the pre-closure of the same and I was shocked that pre-closure penalty of 3% which comes around 5k extra for me to close it out. Please advise.

I have some due with my credit card. Due to some personal problem iam not able to pay my emi on time. But iam not activated auto debit service after this they make auto debit and debited amount from my icici bank saving account. And blcked my card as per icici bank rules.When iam talk on customer care they siad contact rohini branch for this solution to backend team.But how can this possible when iam not activated auto debit service for credit card after they debit amount from my account.