ICICI Bank Complaints & Reviews

Bond Holder No.[protected] Certificate No. 24182

Dalip Kumar Sharma & Sankalita Sharma

Certificate Issue date 27/05/2000

Face Value 7100 Issue Price 5000

convey details of payment/redemption etc. on what date ?

I was opened my zero balance a/c with this bank...at the time of opening a/c the excutive told us that no charges will apply for low balance...but bank had deducted Rs.1607.00 for low balance...i am cheated by the bank...so please help me to refund it and take legal action on bank...others also facing the same problem...

I applied personal loan, they told me that with in 2 days it's approved and disbursement amount will credit. I hand over all the required documents. In the mean time collect the documents the representative sign the Loan against insurance paper. Without explain all. It's took 10+ business days for approval and disbursement after i follow up with them. I don't want any insurance against loan amount. Mr. Sujith Nair (Relationship manager, Bomannahalli branch) suggest me that please prove 1 cancelled check + pan card xexor. I hand over to Mr. Prasanth. He told me that it will take 10-15 days max. After 40days i send the reminder mail, suddenly he told me that sorry we will not refund your insurance amount.

Misguidance and unprofessional attitude by ICICI (branch, call centre and Service Department). I wanted a 40 USD demand draft (DD) for official purpose. Following are the events: 1. Visited Pimpri branch and was asked to visit BUND GARDEN branch (absolutely fine) 2. Visited CHINCHWAD branch and was asked to visit BUND GARDEN branch 3. As instructed, I decided to visit BUND GARDEN branch (16 km from CHINCHWAD). I was also in contact with the customer care department (CCD) to know the process. The CCD had no information of the process. So got the BUND GARDEN branch number [protected] and called almost 10 times to confirm the documents before visiting, but no response. 4. Visited BUND GARDEN branch with whatever documents I had on working day. The bank employee said they don't have the DD inventory and I should have called them. I dialed [protected] "7 times" in the branch and still no response. On top of that when I asked why the employee was not responding I was forced into an argument stating that the number is just for internal purpose and so it will not be answered. If the number was just for internal purpose why was it given to me by the CCD? And when the phone is ringing multiple times there must be something important. Imagine if Police department wanted to contact for some issue what would have happened? 5. Later BUND GARDEN branch says that there was no need for me to visit the branch as the DD can be issued at CHINCHWAD branch. Gave me a number of CHINCHWAD branch and I went to office (25 km) without the DD. If the DD could have been issued at CHINCHWAD why did the CHINCHWAD branch send me to BUND GARDEN branch? This whole journey of 41 km was on working day. I demanded Rs.15000 as compensation (but later ignored it considering it as an exception as such things happen in day to day life). 6. Escalated this issue with CCD and visited CHINCHWAD branch on working day and confirmed the documents at branch provided by CCD. I was told the documents are ok (Employee-1) and I can get DD. 7. Visited the CHINCHWAD branch on Saturday with the documents confirmed by CCD and Employee-1. Employee-2 says that the documents are not enough. CA form is mandatory. There was no mention of this CA form at BUND GARDEN branch or even by CCD who asked me to visit CHINCHWAD branch. When I asked Employee-1 why I was not told about CA form she responded that the rules have changed from this financial year. Within 2-3 weeks of October the financial year changes for ICICI?? So, in the first instance Employee-1 doesn’t give me right information and then consciously lies to me about change in rules when I point out her mistake. Also DD cannot be issued on Saturday. Even this was not communicated to me earlier. So even if I had CA form, the DD processing would not have been done as it was Saturday. 8. Escalated this issue with CCD and then was told the CA form is not needed. 9. So again visited the CHINCHWAD branch and got the DD processed after so much of wastage of time, money and energy all because none of the contact point (branch and customer care) had any idea of the process. 10. This time I demanded Rs.15000 and escalated the issue with SERVICE DEPARTMENT and was assured with false promises stating "Please be assured that your e-mail has been accorded the seriousness that it deserves and we are working on your concern". 11. This false promise of seriousness was given multiple times. I trusted SERVICE DEPARTMENT which later declared that as there was no financial loss and so no compensation. Also, in the reply, ICICI didn’t mention anything about the unprofessional behavior of CHINCHWAD branch and just stated that PIMPRI branch was not meant for International DD and so I was asked to visit BUND GARDEN branch. I had clearly told the CHINCHWAD branch that I will not take my complain back but the reply from HEAD SERVICE DEPARTMENT stated that “we understand that our branch officials had contacted you and addressed all the concerns raised by you”. Also, I was told that we have given you the DD. So no matter how I got my DD it is all fine. With this logic it is ok if I take loan from ICICI for 2 years and just pay the EMI in 20 years as per my convenience it is all ok and then say that bank cannot take action against me as I have paid the EMI. Also, it is fine if I misguide ICICI by giving wrong information and just get away with it stating that my information has not resulted in any financial loss. 12. I demand Rs. 1.50 lakh from ICICI for ignoring their duties, misguiding, cheating and claiming false promises that my concerns were being taken seriously. This case has to be a lesson for this unprofessional bank. This is all because no training was given to employees (to save training money) or if training was given then people with wrong attitude were hired. Now because of all these incidences the ICICI employees must have got the training at the cost of my time, money, energy and most of all the mental torture. What if an old person or service person or any person who doesn’t have a traveling facility or lady would have had an emergency for international DD to be send internationally like hospital or fees or other things which cannot be compensated in terms of money. The service is expected from a bank with guaranteeing the service. This is defiantly a deficiency in services by bank. Today we proudly say that India is changing. Imagine a foreigner going through all this for an international DD. What will be India’s imagine for the world? Will ICICI just get away with all this by declaring that there is no financial loss where in the definition of financial loss is as per their convenience? When we take loan from the bank there are multiple terms and conditions and I am sure the bank must have an agreement with Government by which they are bound to give quality services to the consumers. They bank just cannot earn millions at the cost of consumer’s suffering.

I was getting charged multiple times at least 1 to 5 times per month as per above "POSDECCHG" and "ATMDECCHG"

This is extremely frustrating and I need a valid explanation why its charged several times?

I checked in ICICI Bank and they said it could be related to swipes in merchandise outlets, when the balance is insufficient. But which never happened, hardly I could have swiped in merchandise outlets 1 or 2 times.

Attached proofs for past two months ( you may check my phone banking or user name to confirm my account number which starts with 10400150XXXX)

Regards,
Javid Hussain A
[protected]

Dear Sir/Madam, I am having a salary bank account in ICICI Minto Park branch (Kolkata, West Bengal) from last four year and eight month and my account no. is[protected]. My contact number is : [protected]. I was just checking my bank statement and got the shock of my life. My account has been debited by SMAB charges dated on 16/02/2015 SMAB Chgs-JAN15+Stax 43.26 Rs.393.26. I tried calling the Minto Park branch but there was no response. I don't have any mail informing about this SMAB 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 change of balance system, hence any deduction from account for the same is totally wrong 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.

Thanks & Regards,

SK NURUL ISLAM

Hi Myself Kaleem And I Work In Ventura Securities LTD Bangalore.And I Have Made a DD Of Rs 3500 Which Was On Jan Month Through Your bank Which Is MG Road and Problem Is Some Printing Mistake By Your bank People And That Is Created By You Even I am Included in That My Company People Put My Salary On Hold .And From That Particular Time I am Visiting Your Bank They Are Not At All Responding Me Its Almost 1 Month . And If I Don't get It Done Within 26th Feb 15 They Gonna Terminate Me Plz I Am Requesting You To Look in Give The DD Back. Thanking You

My credit card details were used for fraud transaction of 5070 on 13th Feb evening around 5:30 pm and payment was made to airtel billdesk mumbai. I had immediately complaint to customer care within half an hour of receiving sms alert to stop payment but they didn't help. Next day morning i went to my home branch they neither stopped payment since payment by credit card takes 24 hrs to release payment from bank. Manager told me if they stop payment airtel would file case on them they are not bothered about customer harrassment. They were not ready to give complaint number also. i fought with them to get that.I filed complaint in local police station also. Police official also told me that at any cost you should not make payment in spite of regular reminders by bank. you should tell i have raised dispute in bank and filed police complaint. he told me many such cases of huge amount are also coming up only with icici bank credit/debit cards only. definitely icici bank staff is also involved in this. how do they get our secret details. icici bank itself is fraud.one more thing total amount of fraud all over the world is very huge. all the banks have insurance. they are never at loss. if suppose any one makes payment to bank it's bonus for them. We should all unite and stick to fact not to make payment to bank at any cost and not respond to bank's calls.my name is chandrakant pandey. you can call me on [protected]/[protected].

Sir, This is second time I applied for credit card after getting invitation on my email. Recently ICICI has sanctioned me Home Loan also. I have got Ref.[protected] on 31-01-15 I have not received any status from your end. My email id is [protected]@gmail.com & M.No. is [protected]

Application Ref No:[protected] Mobile No: [protected] I've applied for a credit card below 1 and half month. Till date, I can't check the application status online. Neither the bank representative contacted me again nor I received any call for verification. Can somebody let me know about the status of my application.. Thanks!!!... Regards, Avinash Bhagwat +91 - [protected]

I am a credit card customer of your bank since year 2006. I would like to bring it to notice of a fraudulent transaction which was done using my credit card through phone call. I request you to go through this few lines with patience. On 18 Feb 2015 I received a phone call from (phone number [protected]) Mr Mohit sharma on my registered mobile number at around 19:46 hrs in the evening. Mr Mohit sharma, who claimed ' he was calling from verification department of ICICI bank. He said that my card has been considered for a 10% cash back henceforth instead of the payback points for all my transactions. And also what ever the unutilised payback point available on my card will be credited to my card statement in the form of money. I believe he had most of the information about my credit card already including my old mobile number [protected] which I maintained When I initially got my credit card in Vadodara. Only thing he was short of was my OTP. He asked me to speak out the OTP for converting the card from Payback points to Cash back. Mohit sharma from the number [protected] and asked me to check for the OTP for getting changed over to 10% cash back on my credit card. Thinking him as an employee of ICICI bank I gave him my OTP. But to my surprise I got an SMS after few minutes stating that "Tranx of INR 7999/- using credit card 4xxx 3005 is made at gifts8home_PayT on 19 Feb 2015. ow I was shocked and called him back. He attended my call stating that no debit will be done from my card, However converted payback points in the form of rupee will be credited to be card statement. And he can be contacted if there is any problem. But when I called up customer care they said no such offer is available for my card, and confirmed it as a fraudulent transaaction. I got my card blocked on 20 Feb 2015. I am in the process of lodging an FIR in Mysore and at the same time I wanted to narrate the same to you sir to investigate the genuiness of this transaction. Even today Mr Mohit Sharma attended my phone call on his number [protected] how ever on hearing my name he said he will call back, but did not. Please guide me G Vishwanth. [protected] Mysore | | |

Dear ALL, My self RIYAZ KHAN from Mumbai 3 month back I got a call for Delhi regarding OVER DRAFT LOAN with the financial partner PRUDENTIAL life this offer was given by DELHI ICICI HEAD OFFICE ONLY FOR SELECTED CUSTOMERS ONLY. Over draft loan offer for 5 lakh to 50 lakhAnd I have to pay 25% of loan amount for security in ICICI BANK ACCOUNT which will be deposit for 10 year in my account they have mail me ICICI ACCOUNT OPING FORM. And ask to revert with my signature. I have given all the detail which they required as they ask in the name of ICICI BANK . The agent who call me his name was AJAY KUMAR SING ([protected] / [protected] / [protected] / [protected]. ) HIGHLIEHTED NUMBER IS WORKING And his senior ICICI PURNIMA KAUSHIK ( [protected] ) After giving all the details MR AJAY call me and said your OVER DRAFT LOAN IS APPRUED UPTO 8 LACK ON THE BASES OF YOUR DOCUMET. After that he forward the file to ICICI PURNIMA KAUSHIK ( [protected] ) and she again ask for security money 75 thousand and it will be refund as they said but I didn’t pay for that. I told them to cancel the offer I don't want overdraft as this is fake. They told dear we are calling form ICICI not form local for fake personAgain Purnima call me that I can do one thing for you that I will provide you demand draft of 8 lakh in dividing 1-1 lakh you have to pay each demand draft 2 thousand rupees. Up to 16000 thousand rupees. Than they said you CHEQUE will deliver in 1 week person form ICICI will be visit to your home with all official Document. 1 week2 week 1 month but still no one visited. My both the CHEQUE (045807) was cleared ON[protected] OF RUPESS 25000 IN THE NAME OF PRUDENTIAL CARES PROP AN. CHEQUE[protected] OF RUPESS 16000 IN THE NAME OF PRUDENTIAL CARES PROP AN. Now they are not receiving my phone. Kindly find the attachments. They have ask me for details to be courier on below address. ICICI CREDIT OFFICE 19 3RD FLOOR VIRSAWARKAR BRANCH SHAKARPUR DELHI – 110092 RECIVER RANJAN KUMAR. ICICI BANK HEAD OFFICE U-108 TIRUPATI COMPLEX SHAKAR PUR DELHI 110092 1) 2 PHOTOS 2) PAN CARD 3) ADDRESS PROOF 4) 3MONTH BANK STAEMENT 5) 1 CANCEL CHEQUE IN FAVOR OF ICICI BANK WITH FULL NAME 6) 1 CHEQUE IN FAVOUR OF PRUDENTIAL 25% AMOUNT 25000 7) REGARD AJAJ GUTA 8) RECIVER RAJAN KUMAR . They have send me mail [protected]@gamil.com in mail they have send me icici account opning form that also attached in this mail. Kindly go through this mail and do the needful. Dear icici team this is serious matter you have to look in this. I have attached the courier photo CHEQUE images and some other documents If requred I will send you the whatsaap chat done between me and Ajay. Kindly do the needfull and help me to come out from this problem. Thanks regard RIYAZ KHAN [protected] riyaz.[protected]@yahoo.in.

Dear sir, madam I am not satisfied to your service. Your service boy is not able to find 'ICICI BANK TELI BAGH BRANCH' lucknow-226014 .He carring my most important document.My docket no. Is Awb M16566812. He wrote such person is not there. Kindly solve this Regards Amrit raj Icici bank [protected]

It's been more than a month since I applied to convert my account from major to minor and still nothing has been done and they don't even know the procedure and have to call the boss again and again.They show attitude towards customers and always fail to call back and lie about various things. Mr.Sukhwinder, an employee of the branch is someone who doesn't know his work and is irresponsible.Worst branch ever. If this continues the brand name of ICICI will go down.

I too am a victim of this fraud. On 2nd Feb I had received a call from someone claiming to be from ICICI. She told me that I have some unclaimed reward points and I being a good customer to ICICI, they want to refund those points in the form of gifts for Rs 6, 999/- .She said there will be a temporary debit entry in my card just to show that I have got this and they will again make a credit entry within 10 days. So, I do not have to do anything with this.I asked her how do I believe if the call is from a genuine caller of ICICI, for which she replied 'ma'am look at the Debit message you received, its from ICICI Id ' which was right & I was forced to believe the genuiness of the person. The girl also said that I will get a call from Amtec Engineers and they will say that this amount will be debited and NOT adjusted against any reward points. You should just say that its not an adjustment of reward points; otherwise they will cancel the gifts. When the Amtec guys called, surprisingly they asked me the same questions...! Finally I received some stupid gifts.When I received the statement for ICICI, I could see the debit of 6999/-I am not sure what and who will take care of this fraud. One thing I don't understand is - How can the message come from ICICI bank from where we generally receive messsage when we do a transaction. There is definitely some flaw from ICICI end. I am not sure when so many people have complained why are they not taking any action ? Why is ICICI bank sitting silently on this. How can those guys get our card number and telephone number, which are supposed to be confidential. How can anyone make transactions on our card without our permission? - Bangalore - Sanghamitra

I have been receiving MAILS FROM ICICIBANK.COM that my bank account has been accessed from another site location and askinasking ME to fill up the details on the attached dash board of ICICI BANK with their Logo on it.I have sent a MAIL to Channel.[protected]@icicibank.com but they have not replied yet since last ten days.Their site has been hacked by fraudsters and is unsafe and not trustworthy for online transactions.

i put my frist complain to open my card for online payment, I have cerdit card [protected], I have mentioned my error foud on line I visited the branch uttam nagar submited my id and pancard. But, still I am not able to pay online. It is working for punch payments. It is also very tedious for me go to branch. I am a working man and have other responsibilities too. I do not have time to come to bank only to file a complaint or fill the application for card. It has been a long time. It is really very disappointing that bank is taking so much time for resolve my proble. I request you to look into the matter and have the enable my card for online payment dhiraj ray

Sir I have ICICI Bank Credit Card No. [protected] since last 9-10 years. In my Feb Bill ( For the month of Jan - 2015) Rs. 670 has imposed as late fee. Full amount has been remitted before due date (28 Jan 2015) and debited from my bank on 2nd Feb 2015. You are therefore requested to reverse it. Pl note that I never defaulted any payment - my track record may be checked. I tried contract by phone by unable to contact.

Dear Sir/Madam, This is to bring to your notice that I have been a victim of Identity theft and have been harrassed and humiliated by three banks ICICI, Bajaj Finance and Capital First. This case was first reported in 2011 when ICICI issued a fake Credit Card in my name which was used by fraudster in my name (Ref to Complaint Number [protected]) and post investigation ICICI was found to be guilty in this case and my innocence was proved. I agreed to settle this case on the condition that my CIBIL rating will be restored and my name will be removed from defaulter's list. However, ICICI did not restore my rating and also did not raise red alert in the market so that fraudster could have been prevented from further frauds. And this led to fraudster committing two more frauds at Bajaj Finance Services and Capital. He took 4 Consumer loans from Capital First 413549/413545/413542/413554 and also 2 Consumer loans from Capital First 5810CD00013008, 5810CD00013009 While committing these financial crimes he used same address 415 C Naya Khand 3rd Indrapuram 1449 UP 201010 and phone number [protected] and email address [protected]@PATNI.COM which never belonged to me. I spoke with these banks and they say they are trying to solve this problem ASAP. I have following questions from you all 1. I have recieved so many obscene calls by recovery agents of these banks where they used abusive language and also life-threatening calls 2. They downgraded my rating in CIBIL as a result my loan application was rejected by all banks and this led to delay in my important work such as renovation of my house and other important works 3. They brought down my public image in front of my office colleagues and manager and neibours etc. 4. I am tax payer citizen of this country and paying 40000 INR every year to GOI and expect fair treatment, however, I have been denied all benefits by banks due to this fraud. I spoke to these banks regarding compensation for this loss of image, cost incurred due to Internet uses, purchasing of CIBIL Report, humiliation and harassment due to rejection of loan application. However, they refused to pay compensation. Please look into this grievance and initiate diciplinary action againt these banks so that they pay compensation for their crime

I have visited the icici atm east guru angad nagar, delhi-92 on 15th Feb.2015 at 5.13 pm for withdrawal of Rs, 20000/- but ATM machine has disbursed only Rs.100/- instead of Rs.20000/- for which I called customer care at the same time vide SR[protected] and was convinced by the official that within 2 working days I shall get the amount back in my account no.[protected] but on 18.2, 15 on calling again the customer care I was surprised to know that the complaint was closed as they say the transaction was successful. I lodged the complaint again SR[protected] and informed that I should visited the nearest branch for footage of the ATM. I went to Laxmi Nagar Branch, Delhi-110092 where Mr. Amit says that they dont have any footage and they have to arrange it from their Mumbai office which shall only be available after one week. Now I request to pls provide the footage so as to prove my statement and get my hard earned money back to my account. A few people also came in the same ATM for withdrawl and could not get the amount as the machine did not have the money in it. So resolve my problem as early as possible