ICICI Bank Complaints & Reviews

While applying the credit card of ICICI bank, I was told that since I hold a salary account with ICICI bank and I am applying a Platinum Card, no annual charges shall be taken from me, whereas in the first statement, charges have been debited by the bank. Further, there is no direct contact number where I can register my grievance. All the necessary details were provided to the agent who had applied the card.

Hi, My Card No is [protected]. I had booked 4 tickets from Air India but unfortunately the ticket was not booked due to some error and transaction happened successfully. My kind request you pls. decline the payment. Instantly called up your customer care and checked that the merchant has not claimed yet and asked for decline the transaction but just they refused for the same. Since I am informing you instantly to decline the transaction, inspite of that if the transaction happened I will not be responsible for the same. I am going to book a another ticket. I am not responsible for the duplicate transaction. Regards Rama

Dear, sir.madem. I am Sudhir kumar singh .my account no .[protected]. When I opening bank account Your bank staff did not told any mab charges. After my account Automatically debit many time money for the name of mab charges.I complaints many time your bank staffstaff & customer care but they did not give any good response. Now still after 9th February I am not using my bank account because of this. Now I complaints you please refund my all mab charges money .please solev this problems. MOB: [protected]. Email id bunty.[protected]@gmail.com

On 15th April 2015, a fraud transaction using my credit card was done in Pune at Star Bazaar of amount11, 999/-. I was in Delhi and the credit card was very well with me. Within 2 minutes i reported it to ICICI bank customer care and reported about it. I was given complaint number SR[protected] and bank complaint number SR[protected] and asked to submit documents to the bank which i did within 30 minutes of this transaction. The bank has informed me the issue will be resolved in 60 days. However, the disputed amount is added to my bill. As my card was swiped as informed by the bank rep, it is obvious that there is a duplicate card and obviously it is bank's mistake if another card is doing the rounds. I request you to kindly provide me the update as i will not pay the disputed amount and i am pretty much sure that they will levy interest on the unpaid amount and will also affect my CIBIL score. plz help Anzer Khan (khan.[protected]@yahoo.co.in)

Dear Sir, This is to inform you that I had opened this zero balance Saving Bank Account No.[protected] in January 2013 linked with Provident Fund account and exclusively for that purpose only. At the time of opening provident fund account, your executive had informed me “that if you will pay Provident Fund of Rs.1500/- monthly for 15 months through the above saving bank account, then you will enjoy this zero balance saving account forever.” Thereafter I had deposited Rs.1500/- for eighteen months for Provident Fund through this saving account. It was transferred automatically by branch only. Then after SEP’14, even though balance was there, but as branch didn’t transfer the amount to PF, I kept that amount in saving account. Just now on checking my account, I come to know that Bank has deducted full balance towards MAB charges. For your kind information, on[protected] also bank had deducted MAB charges of Rs.393.26 and after making complain it was reversed on[protected]. This time Bank has deducted MAB charges on[protected] Rs.393.26,[protected] Rs.393.26,[protected] Rs.393.26,[protected] Rs.393.26 and 5) final balance of Rs.234.94 on 12-03-15 amounting to Rs.1807.98. On enquiry with the branch, they told that “it’s not zero balance account and you have to keep Minimum Balance of Rs.10, 000/-. Dear Sir, just check the account from the start date, I have never kept balance more than two thousand. Why didn’t you deducted MAB from the beginning of account? Then, why did you reversed wrongly deducted MAB on[protected]? Before charging MAB, had you informed or do you have any consent from our side for maintaining Rs.10, 000/- balance? On what basis you have charged MAB? I was not interested in Saving Bank Account and want to open only Provident Fund Account. Why you insisted me for zero balance saving bank account? Just to charge Debit card, SMS & MAB charges? You can check my account, there isn’t any personal transaction except of provident fund. I have never used Debit card nor am I getting any SMS alert, still charges are debited from the account. Even if I have to use internet banking for fund transfer to the linked provident fund account, I am getting message that mobile number is not registered. You are requested to check with the matter and credit wrongly deducted MAB Charges of Rs.1807.98 for five months with apology letter for the same. Thanking you, -Pratiksha Shetty

Dear Sir, I received a call from No.[protected] on 29/11/2014. The Lady over the phone said to b from ICICI Bank. She told me that, I have about more than 7000 points on my credit card with ICICI Bank. She told that the points are getting expired and she can redeem them for me. Then for verification she asked me the full credit card no. and the expiry date. thereafter she told me that she will be sending a six digit pin to my registered mobile ID for verification and will call back. Thereafter I received an SMS from ICICI bank (DM-ICICIB) with the pin. Please note that while using ICICI bank Credit card online, the 3D secure pin is asked once the 3 digit @@@ no. along with other card details is entered. While in this case, I received the pin without even using @@@ no. therefore I didn't doubt the reliability of the call.Again got a call from the lady at ICICI ban asking for the pin. there after she told me that Deal @ Once will provide me the gifts worth 6999/- for redemption of the points. She also told me that I will be getting a call from Deal @ once and I should not tell them that I am redeeming points. Since its a matter between you and bank, we will pay them from point redemption. The money went to Amtec Engineers_Paytm. The flaw in the ICICI bank system is this: 1. ICICI bank is passing on the Credit card information to fraud agencies like [protected]@once/ Amtech Enginnering. The credit card nos. and name of card holder, Contact no. is available with them. 2. 3D secure pin is generated by them. 3. Since there are numerous cases of this fraud, ICICI Credit card should have banned this entity Amtec Engineers_Paytm They again called on February 18th 2015 from 91- [protected] at 11.27AM. Regards, Prem

It’s very sad to receive such pathetic service from a reputed organization like you, I am an existing customer of your bank & recently applied for Credit card, in face it was a corporate offer given by you & bunch of people applied together, Everybody by now has received the card, I too received the PIN details on my official address & for card I received a message saying “ ADDRESS NOT FOUND & REURENED UNDELIVERED” in spite of several follow up, after mentioning my no over it, after delivering number of cards to the same address moreover after delivering the pin to the same address I received such meaningless message & I believe you must have 1 logistic company to deliver in all these area wise, it’s really frustrating, I have 100 more things to panic about, now I am really regretting about it, I called your customer care which doesn’t have an option to speak to your executives directly so registered for call back, & registered 5 times since morning but no one has bothered to call me back till now, is this the kind of customer satisfaction you provide? I am sorry to say but any nationalize bank which is known to be indolent service providers serves better than you. I would like to abandon my card right away, Please Guide!!!

sir, on 11/4/15 My husband got a call from cell no [protected]. Now we realised tat it is fraud call, as we believed and revealed the details. Hence they did online shopping. Can you please assist me for further process. Where i need to raise complaint

Respected Sir/Madam, This is inform to you that I leave the company dated on 2nd Aug 2014 since now . I am not receiving my Reliving letter and Five year Experience Certificate which was issued by M.D Miss Chanda kochar. Hence I request you that kindly arrange the same and reply on a urgent basis. Thanks & Regards Prakash Kumar Emp 184449 Phone No : [protected]

My name is Pooja Kumari and currently working in HCL technologies. I have submitted salary a/c opening form and all required doc 20 days back. My a/c number is[protected].But till now it has not been activated. I tried to call customer care but didn't get proper response why till now it has not been activated. If I call to bank no one is picking the phone. Kindly check it and let me know how long it will take.

Hi, I have closed the loan before 6 month from today. But still i haven't received the clearance letter and NOC letter. My Loan a/c#LTCHE[protected]. Can you please look into this and send me the requested asap. Thanks, Daniel.P 30/28, Valluvar Street, Nedunchezhian Nagar, Tondiarpet, Chennai - 600 081

My Credit card bill due date was 01/04/15 ( a banking holiday), full payment of which was made on 31/03/15 via NETBANKING, but I was still charged for late payment, which is wrong. I had even given the bank statement copy to them to track investigate the case. From the past couple years, I have been paying the credit card bill atleast a day or two before the due date but never got such late payment charges levied.

This is to inform you that I had opened this zero balance saving bank account in January 2013 linked with Provident Fund account and exclusively for that purpose only. At the time of opening provident fund account, your executive had informed me “that if you will pay Provident Fund of Rs.1500/- monthly for 15 months through the above saving bank account, then you will enjoy this zero balance saving account forever.” Thereafter I had deposited Rs.1500/- for eighteen months for Provident Fund through this saving account. It was transferred automatically by branch only. Then after SEP’14, even though balance was there, but as branch didn’t transfer the amount to PF, I kept that amount in saving account. Just now on checking my account, I come to know that Bank has deducted full balance towards MAB charges. For your kind information, on[protected] also bank had deducted MAB charges of Rs.393.26 and after making complain it was reversed on[protected]. This time Bank has deducted MAB charges on[protected] Rs.393.26,[protected] Rs.393.26,[protected] Rs.393.26,[protected] Rs.393.26 and 5) final balance of Rs.234.94 on 12-03-15 amounting to Rs.1807.98. On enquiry with the branch, they told that “it’s not zero balance account and you have to keep Minimum Balance of Rs.10, 000/-. Dear Sir, just check the account from the start date, I have never kept balance more than two thousand. Why didn’t you deducted MAB from the beginning of account? Then, why did you reversed wrongly deducted MAB on[protected]? Before charging MAB, had you informed or do you have any consent from our side for maintaining Rs.10, 000/- balance? On what basis you have charged MAB? I was not interested in Saving Bank Account and want to open only Provident Fund Account. Why you insisted me for zero balance saving bank account? Just to charge Debit card, SMS & MAB charges? You can check my account, there isn’t any personal transaction except of provident fund. I have never used Debit card nor am I getting any SMS alert, still charges are debited from the account. Even if I have to use internet banking for fund transfer to the linked provident fund account, I am getting message that mobile number is not registered. You are requested to check with the matter and credit wrongly deducted MAB Charges of Rs.1807.98 for five months with apology letter for the same.

My name is Pinky Shah holding account of ICIC bank account I got call from[protected] saying that my debit card will be blocked as per rbi rules they want my debit card no . I just wanted to confirm that is it true that RBI has set some rules or is it fraud call . Please let me know Urgent

Dear Sir, I am holding a Saving A/c bearing no.[protected] with your branch which is well maintained by me since opening of this account. Last week for doing an online transaction when I opened my account I was very surprised to see some heavy debit charges on my account amounting to Rs 2700 (Approx.). Immediately after this I personally visited the bank on 11/4/2015 (Saturday) and met there with a gentlemen sitting at the 5th No. cash counter who refused to tell me the reasons for these debits instead advised me to contact customer care. I managed to call to the customer care who in turn told that these charges are debited due to non-maintenance of minimum balance and these charges can be waived off by your home branch only. I would like to inform you that Bank has never intimated me that I have to maintain a minimum balance of Rs.10, 000/- to operate this account and hence has wrongfully debited my Account since January, 2015. In view of the above circumstances I request you to kindly waive off the wrongful charges levied on my account and remit the same to me in my aforesaid Account. Looking forward for favorable action from your end at the earliest. Thanking You, Your’s Faithfully Mamta Mehra QTR. NO. 1009, TYPE-2, NEAR DELHI HAATH, NEW DELHI -110023 M : [protected]/[protected] Email Id : [protected]@gmail.com

My Banker : ICICI BANK, TNAGAR BRANCH My account no. :[protected] M y contact number : [protected] account type : S/B Account opened : year 2005 I found that my account has been debited by MAB charges as below :- 12/1/2015 : SMAB Chgs DEC14+Stax43.26 : 393.26 16/2/2015 : SMAB Chgs-Jan15+Stax 8.34 : 75.88 In the last 10yrs, I had no problem with yourbanking system. In jun'14, you have deducted 30/06/2014 : SMAB Chgs May14+Stax 0.11 1.06 for which, I did not mind as it is just Rs.1. Just after 6 months, you have swallowed Rs. 480(SMAB Chgs) from my account without my knowledge. You only opted us to open with s/b A/C with ZERO BALANCE facility.Then, why do you take money from my account "in the name of MAB" without any prior intimation to me(Thefting is illegal in India). If you changed your policies, can't you update your clients by sms ? Remember, the bank account is absolutely mine and definetly not yours. You have no right to pull my money from my account w/o proper intimation (pl don't forget the word in English : client). Of coarse, you have all the right to through your poor clients out and retain HNI. If so, send a SMS to your clients for closing the a/cs who cannot maintain 10000 and those who are not affordable to your new system, will be happy to close the account. Never forget the fact that we are not living in 1990 and ICICI is not the only bank available in INDIA.RBI has allowed many more people to do banking operations and consumers has wide choice than ever before. Back to my story, I want Rs. 480 to be reimbursed to my account and if you want me to close the a/c, I am pleased to do it. give me time. If charges deducted are not credited back to my account, let me approach Banking Ombudsman citing Rule 8(1)(k) i.e. "levying of charges without adequate prior notice to the customer" of The Banking Ombudsman Scheme 2006. thank you K SELVANAYAKI CHENNAI [protected] 16 APR 15

Dear Team, This is Krishna Rao Undralla. I have a personal loan account with ICICI. My loan account number is LPHYD[protected]. I would like to pre close this loan account. But I am not in India to visit any customer care center to go and complete the process. I am in USA and I have a salary account with ICICI. My account number is[protected]. So can i pay the complete outstanding principle amount of my loan account via salary account. Please advise on this. Look forward to your cooperation. Regards, Krishna Mobile: 001 [protected]

I have a ICICI Bank salary account which I had to create as it was required by the company I work with. When I created my account the representatives informed me to take a Demat account along with the bank account as it would be a benefit when I change my account to a Savings account. He told me I could have a 0 balance Savings account if I had a Demat account along with it. I was told it was free and there was no charge for this Demat account. Today I went to the ATM to withdraw cash and I noticed Rs 607.00 less in my account. I checked through Net Banking and noticed I had a charge with the name "00405231 DP CHGS TILL FEB-15" which withdrew Rs 607.00 from my account. No sms was sent regarding this debit from my account on my registered mobile number. This is totally unacceptable and I need an explanation.

Hi, This is with regards to one of My personal Loan Application number 64014842 & 64014591 datd 11/4/2015. I have received a call from ICICI bank, Mumbai saying they are offering a personal loan with very minimal Documentation even after telling it was rejected previously due to low CIBIL score.I have received a confirmation from executive and from manager on call(Number mentioned Below) that theyare already reviewd my CIBIL report and this will a special offer as a previllaged salary a/c and there wont be any decline further.Please do listen to all the conversation which i had with these people and let me know how do i escalate this issue futher. Its really annoying to produce document every time even after knowing the decline status. My cibil score got hit due to some miscommunication by outsourcing agent and payment was not posted on time.However i have a NOC for all nill due amount and i can produce all proof if required.Also i have a current cosumer loan from past 9 months which has a good track record. I was about to close my salary a/c due to this issue, however waiting for your final resolution from your end. Exept my salary getting credited into a/c, i have not benefited anything from ICICI bank. Please let me know whether its a false commitment or can this be approved by considering it as a Special case.Please do consider my application if possible on a high priority or let me the procedure to close my salary a/c. [protected] Call date------7/4/2015 14:12, 13:28, 13.18, 14:27, 14:46 [protected] -----7/4/2015 15:02 [protected]------8/4/2015 13:08 Regards, RAJESHA.N.SHETTY ([protected]) 12 to 4pm.

I have transferred money from my HDFC account to ICICI Account, but the money is not showing up in the account and please find the transfer details. Beneficiary Name: MUSTAQH IFSC code of beneficiary bank:ICIC0000053 Transaction Value Date: 09/04/2015 RBI Reference number: N[protected] Amount: Rs.900 My ICICI Acc. No:[protected] My Debit Card No: [protected]