ICICI Bank Complaints & Reviews

I want to get this into your notice that a reputed bank (which I had long association) has a very INAPPROPRIATE and UNFRIENDLY way of dealing with small loan/cash which they provide against credit card.

To get this loan, I talked TWICE with customer care executives on ICICI bank help line number. Whatever they told was convincing and as per my requirement, so I agreed and applied for loan of Rs 2, 30, 000. Which got credited in my account on 25th Nov.

The problem happened with statement dates and due date.
Both the time when I talked with customer care executives they told me that the statement date would be 23rd of every month with ~15 days payment time (total of ~45 days, similar to credit card statements) to pay 3 installments.(Which was ok to me).
Customer care executives don't provide any WRITTEN proof of such conversation - NO emails, NO sms regarding statement dates/due dates/installment amounts.

Now the trouble and harassment started:

loan requested -24th Novamount credited -25th Nov1st statement date -5th Dec (not 23rd which was told to me)due date -23rd Dec (not even 30 days while ~45 days was told to me)

I contacted helpline they asked me to complain ICICI bank nodal officer through site. I did. They keep on doing enquiry but unable to find anything regarding conversation.

I requested for statement date change to 23rd ON HELPLINE which THEY DID and confirmed. So
2nd statement date - 23rd Jan
due date - 10Feb (good so far)

I paid 1st and 2nd installments in time.

Now again I got a statement for 3rd statement -
3rd statement date - 16th Feb (not 23rd which was changed)
due date - 23rd Feb

I have just paid my 2nd installment on 7th feb and had no idea about receiving the 3rd statement on 16th Feb ...so soon, not even 10 days time from 2nd statement payment.

How could any bank behave in such an irregular manner and hide these information from customers?
ICICI bank should provide all these information (amount, statement and due dates) IN WRITING to customer before approving the loan/cash.

I am Tejas Gawade (Mob:- [protected]). I received the call from Multicards Mumbai Miss Aditi:- [protected] // [protected] for lifetime free ICICI credit card/ No joining fees for our company salary account. My 2-3 collegues also requested for ICICI lifetime free credit card. Now we received the statement which include Joining fees.Again called the same number but every time take the call different operator & not giving proper answer....

On 22/01/15 I have received a mobile call stating calling from ICICI Bank for up-gradation of my credit card and asked me the information related to the card. Immediately after some time I have received email as well as sms for a transaction of Rs.4870/-to AIRTEL was done (11.35 am) from my ICICI Bank Credit Card. With- in couple of seconds (11.44 am) I have informed the ICICI Bank Customer Care for this un-authorized transaction and instructed to HOLD the transaction. But ICICI Bank without holding the payment asked me to contact AIRTEL to reject the payment. I have contacted AIRTEL but they denied the same instead asked me to ask ICICI Bank to charge back or reverse. Mean time, the payment was processed and ICICI Bank is now demanding me the payment. An amount of Rs.4870/- is unnecessarily debited to my ICICI Bank Credit Card inspite of my instructions to hold the same. I have already followed up the matter with ICICI Bank Senior Management through e-mails and the matter is still pending. Instead of hearing my HOLD the Payment instructions the bank is stating this is not possible as per Banking Rules. I am surprised, the Banking Rules are for Customer's safe or for the Fraud Makers convenience. As due date for the payment is approaching I request the fast action in this regard. I am attaching herewith copy of transaction details and my mobile call details. If, required I will submit Copies of my all e-mails follow-up with ICICI Bank as well as AIRTEL. With Warm Regards, ----- D B Kadam Manager (Finance) Gujarat Narmada Valley Fertilisers & Chemicals Ltd. 1 Ghanshyam Park, 1 Dhole-Patil Road, Pune - 411 001. Maharashtra (India). Phone : [protected] / [protected] Extn : 28 Fax : [protected] IP Extn : 4172 Mobile : [protected] E-mail : [protected]@gnfc.in

Dear Sir, I have ICICI Credit Card, I received a call from multiple Mob nos.([protected], [protected], [protected]) from Master and Visa Verification Department at ICICI Chennai on 3-Jan-2015. She (executive) told me that ICICI Bank will Issue a new Replacement Card on behalf of my existing Credit card since it’s going to expire. So first Bank Debit the charge of Rs.-8299 (Same is already been debited) but your reward point is 8299 that the same amount will be redeemed in your account before generating your bill. But still I am not received anything. So I Can't Liable to pay this amount. So please Solve My Problem and Save me from This Fraud. Thanks I am wondering how come the fraudster knows all my bank details. ICICI is responsible for keeping my account details secretly. But normal fraudster has all my account information and they tried talking to me as ICICI customer care executive. How come the fraud merchant is not being blocked from doing ICICI banking transaction even the merchant identified as fraud?? How come my details are shared to fraudster when its maintained by ICICI Bank?? ICICI Bank is solely responsible for this fraud to happen hence ICICI has to resolve the issue My Card Details: Bank Name: ICICI Bank Name: R. Tamilselvam My Mobile Number: [protected] Fraud Transaction Detail Date: 03/01/2015 Ref No: 74678445004415074514885 Transaction Details: Monarch_EPayKerala MUMBA IN Amount: 8299/- Authorization ID: 998571 Merchant Name: Monarch_EPayKerala Merchant ID: [protected] Fake Mobile Numbers used for this transaction 1. [protected] 2. [protected] 3. [protected] Regards, Tamilselvam

Dear Sir, This is to inform you that I am running ICICI Bank account[protected] last 5 year, But now this time i am very unhappy with your services my debit card misplace dated 14 feb 2015, I made last transaction Rs 1000 on 14 feb 2015 in evening at 7.00 PM and on 15 Feb 2015 there are three online transaction done from my debit card, Which is ok but i did'nt get any message, Which is not good & I did'nt Get any message regarding OTP (One Time Password) of any purchasing or any online payment, This is very shocking news for me, I am not expecting these irresponsible services from your side, One fraud person made three transaction from my debit card and i did'nt get any message, Now in today morning dated 16 Feb 2015, I got a call from ICICI Bank and one of your executive told me that Mr Avinash you have done 3 transaction yesterday, He told me that yesterday was sunday thats why we are not informed you Its means Telephone banking services are not active on sunday, "I know that my amount will not recover in future but i will take action for these type of services" Meanwhile Please check my account status and let me know who made this transaction & I want complete details There are three transaction made by some one person 1 16/02/2015 VIN/VODAFONE-BI/[protected]/0 Dr. 1, 500.00 2 16/02/2015 VIN/PAYU-www.ox/[protected]/0 Dr. 2, 020.00 3 16/02/2015 VIN/PAYU-www.ox/[protected]/0 Dr. 2, 020.00 So please let me know the Vodafone mobile number and other two transaction at my mobile [protected] My ICICI Bank account number Account Name AVINASH DAVE A/C[protected] Please Solve this matter ASAP Thanks & Regards, Avinash Dave [protected]

Dear sir, I'm Shariq Ali, My account no is:[protected], I was just checking my account details, and I saw the following deduction:- Serial Number Transaction Date Transaction Remark CR/DR Amount (INR) 4 12/01/2015 SMAB Chgs DEC14+Stax43.26 Dr. 393.26 This was done without any prior information, Which is totally wrong. So I request u to refund my INR 393.26. After that I've cleared my account and I'm thinking of closing it for good. Thankyou, regards Shariq Ali A/C[protected] ph No: [protected] shariq.[protected]@gmail.com

I have a Demat account in ICICI bank for 3 years now. When I checked my bank transactions and I found that there is one debit transaction 39172407 DP CHGS TILL NOV-14'---- INR 499.62'. When I created the Demat account, I was not told about the DP charges, it was told me by the ICICI representative that it is free of cost and it will never be charged and also I did not get any message alert in my mobile which is registered with mobile banking with ICICI. My ICICI account number is [protected]. This is completely unacceptable and please refund my amount. My phone number is [protected]

I am able to pay all loans regularly and in time, but still bank not approving the my loan request as per last cibil reports. So it is requested you to do the needful for improve my cibil report. Past loan account numbers which was closed is given below for your ref. Pls. Credit Card No. - [protected] (Closed) Credit Card No. - [protected] (Closed) Credit Card No. -- [protected] (Closed) PL Loan[protected] LPJA[protected]Closed) Car Loan[protected] LAJAM[protected] (Closed) Your urgent action will solicit in this regards.

Respected sri/madam This is P.S.Prabhakaran. This is for your kind notice that i am holding a salary account and credit card with ICICI bank. For the non payment of my credit card I have marked with a LIEN of total amount of 78000 in my salary account on 28.12.14. Then i have made a payment of rs 22000 on 12.01.15 against the credit card, then the lien has got removed, but in the same month without sany prior intimation again a lien has been marked on 28.01.15 but my due date itself is 02.02.15 then also i have made a payment of rs 10700 on 06.02.15 but still the LIEN has not removed from the account. while contacted the bank officials they are telling that ''the bank needs me to clear my total outstanding of rs 55000 in a single payment still that time lien will not be removed and also they told that no settlement option is available for me". As iam the only source of income to my family this issue keeps on creating a severe financial crisis in my family and also my other ECS cheques for other loans also getting bounced.So i kindly request you to help me to put settlement and clear the lien in my account as soon as possible as the interest amount is increasing day by day in my account.Kindly note that in a month of janaury itself i have paid more than 33000 against credit card but still lein exists. credit card no [protected] ac no[protected] Regards P.S.Prabhakaran. [protected]

Hi Icici Banks, I had apply a cheque book from online on 9 Feb 2015 but so far I have not receive the same, on 10 feb i got mail from customer care see below mentioned description We wish to inform you that Cheque Book for your ICICI Bank Account XX0146 has been sent through Pigeon Express, AWB[protected] on 10-FEB-15. Do need full [protected] Skbharti

When I operated the ATM at Nizampate 11:09 AM on14/02/2015 using my CITI ATM card (Card number [protected] and account no [protected]), a total of one Rs-1, 000 denomination note and another 10 Rs-100 denomination notes emerged from the machine . At first, I did not suspect the fake note. But it did surprise me when went to pay my bike insurance (to new india) saying that the note is fake. After that i went to relating bank branch and addressed about the ATM that is giving fake notes.they took the complaint.they took the fake currency. i will wait for some to get the replacement. if there is no reponce from Bank then i will for complaint with the Banking Ombudsman or the consumer court. Branch Address: Icici Bank Ltd., Bhavyas Srinivasam, G- 4, Opp. Sangamithra School, Nizampet, Kukatpally - 500072, - Rangareddy Dist., Andhra Pradesh : ICIC0001805

Hi, We are try withdrawing the amount from the Atm at hirabaugh chowk near Swargate pune but same was not processed any of the time from last 1 months at the time amount debited from the account and then refunded after 2 days because of the same last month i charged abot to be 300 for transaction charges. Please get the ATM corrected / just put it off For details contact [protected]

I am an account holder with ICICI Bank and my account has regular transactions every month. A few months back they suddenly deducted over Rs 1500 from my account towards Average balance charges for various months over one year old i.e. MAB charges of Aug 13, Sep 13, Oct 13 etc were deducted after one year. After a lot of fight and finally after taking up the matter with their Nodal officer, I could recover the entire amount back. The bank assured me that this will not be repeated again. Now even worse... I Feb 15, the bank has again deducted MAB charges pertaining to period Jan 13, Feb 13, Mar 13, Apr 13... The bank woke up after TWO LONG YEARS... I think our money cannot be safe with bank a that does not have any reconciliation process and such banks should be heavily penalized and immediately BANNED by RBI

HI I MADE NEFT TRANSFER OF 15990 FROM MY ICICI BANK ACCOUNT TO SBI ACCOUNT.BUT TRANSACTION GOT FAILED MONEY DEBITED FROM MY ACCOUNT.WHEN I CALLED ICICI BANK CUSTOMER CARE THEY ARE TELLING TO WAIT UNTIL AMOUNT WILL GET AUTOMATICALLY CREDITED TO ACCOUNT.THEY ARE NOT RESPONDING PROPERLY EVERY TIME WHEN I AM CALLING THEY ARE TELLING MONEY WILL GET CREDITED BYE END OF DAY.I HAVE BEEN WAITING FROM 4 DAYS BUT MONEY HAS NOT BEEN CREDITED.PLEASE SUGGEST ME WHAT SHOULD I DO TO GET MONEY CREDIT BACK TO MY ACCOUNT.

Hi,

I tried to remove amount from SBI ATM- Alandi RD on 15/02/2015 however, amount not received. It was a failure transaction, still amount of Rs. 1400 is debited from my account.

Please call me for more details about the transaction.

Hi I am trying to unblock my credit card for last 12 hours. Due to more then 5 times wrong pin entry my credit card has been block. For reporting it via customer care number it always landed me to balance check or some waste menu option. There is not a single menu via which i can re activate/unblock my card. I need my card to be working condition now as I am traveling. If any body knows how to unblock this waste banks card please let me know otherwise I will surrender my card

- Dear Sir, I Inform you that I Fund Transfer my a/c no.[protected] Amount 1000/- date on[protected] but not Receive this Amount my Beneficial Person (Mr. Pankja Jain ) Sir, we asked your Customer time to time but not response my problem. Please Solve my Problem . Thanks & Regard Pawan Kumar

I Laxman Agarwal non accoun holder of the bank, staff in cash counter is not ready to take cash as she told you are not opening the account here in our branch i.e. ICICI BANK JHARSUGUDA, ODISHA . as when cash machine was installed they are not ready to take cash in counter.always they have similar ascuse link failure. Is it mandatory to open a account for any cash deposits or any activities. Regards, Laxman Agarwal [protected] Jharsuguda Odisha

This is to inform you that, on 4th February 2015, I made an online transaction to KVB Account from My ICICI account. The details are as follows: Name of my BANK: ICICI BANK MY account no. :[protected] Amount transfer date: 4th February 2015 Transfer amount: RS. 56000.00/- Name of the bank to which amount was transferred: Karur Vysya Bank Name of the beneficiary: Mr. N.Shankar Account no. of beneficiary:[protected] IFSC CODE: KVBL0001283. I would like to inform you that, the payment shows successful in my account. But is still not deposited in the beneficiary’s details. I had been coordinating with ICICI bank for the same, they sent me the NEFT copy for the same stating the amount has been transferred. The same details were forwarded to Karur Vysya Bank but there is no response. I am not sure what to do now. You can contact me on the following no. +[protected]. Email id : [protected]@gmail.com Thanks and Regards Sasitharan Nagamony

as my sister is using icici credit card during 2014 they asked her to pay some amount for using credit card at some countries. she explained she was in india only and they asked to submit the passport xerox copy she submited and today a person calleed her and said she has to pay if she has not used aslo he has scoled my sister that he ll inform all the bank not to provied any services i need a proper solution within a week time or i wm going to file a case aginst icici bank.