ICICI Bank Complaints & Reviews

Dear Sir, In the year 2008 I am taking credit card from ICICI. After one month I am purchasing of Rs.373/- on 23/2/2008 I am not received any statement from bank hece I am not paid, but after when I got statement they charge me late fee and other charges. I am communicate them *PHP Spellcheck Trial* after I had paid cash Rs, 410/- and all my dues is clear. That time I am cancelled my card but unfortunately not written a letter. After six month I got another statement from bank with due amount Rs, 13176.45 on behalf of ICIC Prudential Life Ins. Mumbai. I am refuse the payment and demand the proof of any document or policy delivered on my addres. Bank not given any proof but they demand only payment, After that I am approaching ICICI Prudential Life Ins. they had refuse to take the complaint leeter and confirm me they have not issue any policy on my name. There was so many commumnication and discussion on above matter so many times but the issue is not clear till date. Bank give wrong report to CIBIL hence my credit score is not up to the mark. Can you helop me on above matter if yes mail me on my mail id is:- [protected]@rediffmail.com. I am very much happy if you help me on above matter.

I am S.Krishnan No.3, Mani Street, Thirunagar, Madurai-625006.At present I am using ICICI bank credit card. It expires on October, 2014.ICICI bank sent new card PIN is sent separately and card separately. However I received the PIN for my new chip card but I haven't received the card.One week back ICICI bank Thiagarajar college of engineering branch manager contacted in my presence and I spoke to a person at the customer care and expressed that the card will be delivered within three working days. Even after three working days I have not received the card.I attempted to contact the customer care, I am not able to get it done.The automatic system expresses that my telephone number is not registered with the bank.If I have not registered my mobile number how can I get transaction to my mobile.All that time transaction alert as and when the transaction takes place.What should I do? Prof.S.Krishnan

I GOT CALL FROM A GIRL NAME ANJALI POSING AS ICICI BANK CREDIT CARD EXECUTIVE WITH A INFORMATION THAT I HAVE CREDIT OF Rs.15000/- ON REWARDS POINT EARNED ON CREDIT CARD. SALE OF ARTICLE IS FREE .THE CELL USED FOR CALLING WAS DELHI TATA INDIACOM CELL NUMBER [protected] REGISTERED IN NAME OF MR.FAHIM.THEN I GOT CALL FROM PERSON POSING NAME RAHUL GARG ICICI BANK EXECUTIVE ALIAS EMPLOYEE OF AM AMRKETING CONFIRMING THE SALE IS GENUINE AS APPROVED BY ICICI BANK HAVING CELL NO [protected] REGISTERED IN THE NAME OF ANIL KUMAR DELHI.THIS PEOPLE HAS ROBBED ME BY Rs7750/-

My ICICI credit card was due on 03- Aug -2014. I made the payment well before the due date on 31-Jul through ICICI portal through net banking. The money got debited from my HDFC bank account on 01-Aug. However ICICI applied fund only on 4th Aug and levied charges of more than Rs2000 + taxes. When I contacted the customer care for reversal o[censored]nnecessary charges instead of realizing their mistake ICICI blamed me for not making the payment on time. Even after escalating the issue, ICICI did not rectify the mistake and now when I want to file a case nobody is cooperating and giving me the details of the person to whom I need to send legal notice. Can you please help me in knowing the details where I can send the legal notice for initiating the legal procedure. Thanks and Regards Ravi Khanna [protected]

My name is Satish Shrikant Kulkarni . My Accout No.[protected] CMC Ltd Salary Account) Due to wrong Home & Office address given by icici bank my credit card not delivered to me. Pl help me.. regerds Satish Kulkarni [protected]

My mother, who had an existing account with ICICI Bank, wanted to avail of locker facility with the bank. She was informed by the branch that as a rule, she needed to purchase a Prulife policy for availing the locker. She was then made to open a 10 year ICICI Prulife policy with annual premium of Rs. 25, 000 and only then was she given a locker. This is highly unprofessional and a case of forced selling. Also, I feel my mother was exploited because of her ignorance.

Hello there, The ICICI credit card customer service delivered credit card to incorrect address. I dont know the person who has taken this card but she has shown her identity and accepted the credit card. After few day she did purchase on credit card and I got sms on that transaction since my mobile number is mapped. As a emmidiate action, I requested ICICI customer care to block my card and look for this fraudulent transaction. I was following from past 6 month and every time I am getting new answer. Few days ago I also visited to ICICI bank and ask for their help but no positive reply. People from ICICI credit card contineously calling me for payment and I am frusted on this call.

Sir. I want to know about the rbi guidelines regarding depositing the money to others account. Your kidwai nagar kanpur uttar pradesh branch refused to deposit the cash to other account of my sister.please tell me the rbi guidelines which will help me for the future transaction.thantransaction.thank you

On Monday, 15th September a fraudulent transaction was done on my wife's credit card[protected].The Card Issuing Bank is ICICI Bank. Transaction Amount: Rs. 4950/- Transaction Id: 74568224258270265206915 Payment done to: Airtel, Mumbai. This transaction was done at 10.50am on 15th September 2014. My wife got a call on her mobile from number [protected]. The caller (name Soniya) said that she is calling from Payback department of ICICI. She said that there are 5000 points in her payback card and as those points are not redeemed, if authorized she (Soniya) will add those points as money to my credit card. For verifying, she asked all the details of my wife's credit card number. On sharing the details, there was a debit transaction done where Rs. 4950 were used to pay Airtel bill. On checking with Airtel, we got to know that they can’t provide the information of transaction. We should file an FIR and ask ICICI Bank to revert the transaction. We even tried to call Soniya on this mobile. She said this was incorrectly done. If you want, we can return the money but you need to provide another credit card. She was trying to get another credit card. I asked her to send a DD to my address. Thereafter, she is not responding our calls. ICICI Bank should check on such activities and I expect them Airtel to share the account details and rerturn the money back to the credit card.

i, have been given word to activate my salary account[protected], within a month of recieving the application.. i have been also provided with the welcome kit, but even after two months of regular complaints regaurding the activation, they now, act irresponsible for the delay and accuse me for their mistake of misplacing my application.. due to their mistakes, i have been facing severe financial problems..

Respected Sir, Sub: please send my PF Account Number, & Status of my PF account. I am ANEESH RAJ V SALES EXICUTIVE ICICI BANK CAR LOANS, ICICI Ltd, Kottayam, Kerala I was working with ICICI bank car loans.(year of 2007) company name; ICICI LTD, Kottayam, Kerala, India I have resigned the company on May 2008. Please Sent my PF A/c Number. And your office number MY mail id: [protected]@gmail.com Mobile No: [protected] [protected]My office number, please call in this number and connect to medical records department, then i attending your valued call) My house Address: Aneesh Raj V AneeshBhavan Manjoor P O Kuruppanthara Kottayam

Hi, My Credit card number: [protected] I have applied for a ICICI Coral card through a caller as they offered Rs.5000/- as Joining bonus. When the card was received I found HP Coral (Petrol card) Instead of Coral card with no coupons. Called back to the representative and the caller, no response at all, with the help telephone bank officer It was upgraded to the actual Coral card. For my surprise coupons worth Rs.2000/- have been found and offered a tie upon the first bill payment. Coupons that I have received are 2x500 from Jabong, 2x500 from Central. I do not understand this. For a common knew that when registered online he will get more valuable than what is offered for ICICI customer. I do not want to spend Rs.3000/- to redeem Jabong and another Rs.4000/- to redeem central coupons. When I questioned all these things to Telephone bankers they would disconnect my call which is not at all professional thing. Finally I decided put a big Full stop to this headache. I cancelled my credit card after calling many times. Today I have received a statement saying that I need to pay 1, 736.91, and called an telephone bank officer Priyanka, she replied with a inappropriate answer, i.e., both the cards are cancelled but account is active. I do not understand How ICICI can generate a statement on the card which already cancelled. I have been using credit card from different banks never faced such situation. I was very much disappointed to see all these things and I do not want to pay anything for I have not used your cards. When the cards are cancelled how can you charge me for annual fee and late fee? Please please help on this. Thanks, Chandrasekhar

I had applied for Used Car Loan from ICICI Bank Vapi, Application No. 63368519. I had submitted the respective documents like 3 years ITR, 06 months Bank statements, address proof, Id proof pan card. Mr. Mathur, was looking after the documentation procedure. The verification process was also done. Further, the credit manager - car loan, Vapi had visited my office for further inquiry. I had replied appropriate answers. But at last he asked me for a guarantor with the ITR Paper and Pan card which was never asked to me before. Therefore I asked him the reason for the same. The below sentence was his reply – “You are a Single Lady / Not married so if you get married where will we recover the loan from?? This is an RBI Set Norms.” My answer to him for his question was – 1. I am independent lady, handling my own business since 09 years 2. I have always given preference to your bank 3. I have provided such strong papers, like banking turnover more than 50-60 lakhs yearly 4. My car will be in undertaking of the Bank till I repay the loan 5. I have an appropriate CIBIL score 6. As Per you car loan interest schedule the 40-50% of the interest is charged in first year itself. Which in return; if I do not pay the loan amount I will incur the losses plus my car can be taken back by your bank. Its a loss only to me and not to the bank. 7. I am using a credit card against the F.D. ( which is again secured way ) and the payment is made regularly and never missed 8. I am having 02 current accounts and a savings account which are well maintained with wonderful turnover and any transactions made are never failed or no cheque bouncing/ return case occurred 9. I have a locker, wherein I am paying the charges properly and have a F.D. for the same as a security 10. I have a demat account which is not in use but still I am paying the charges yearly 11. Importantly, I am banking with your bank since it was Bank of Rajasthan Ltd. and now almost its 9 years dealing with the same branch. Therefore I denied giving the guarantor documents because the sentence and the reason given by your credit manger was absolutely weird and not acceptable being an independent woman. Your bank is completely JUDGEMENTAL and proved me as if I am a DISTRUSTED PERSON. Today, I came to know that my loan is been rejected. I want to question your bank and do expected acceptable and reasonable answers for the same: 1. Do you ask the guarantor documents incase of SINGLE MALE, Businessman?? 2. Does the reason for being SINGLE WOMAN from your credit manger is as per RBI Guidelines? 3. Is it not that the bank should see and judge the approval by the banking relationship as an individual? 4. Is the Marital Status so important than a banking relationship? 5. Is the bank 100% defaulter free even after all the norms are completely matched? 6. Does the bank have right to judge people on the basis of Indian customs and traditions? 7. Does the bank know only to take?? And Not to Give? 8. Why the bank doesn’t bias the MARITIAL STATUS while Initiating the Banking Relationship etc.? I am sure your bank has defaulters and majority of them will be MALES, no matter of income proof, age, marital status, and other documents submitted. I must say your bank has created DISTRUST on ME and so even I cannot TRUST your BANK in same way. It is SHAME ON YOUR BANK for doing this to me. I am completely annoyed and therefore I need an answer for the above issue.

Icici bank is a fraud bank. My credit card validity expired in 2009. Icici debited a very big amount from my a/c in 2014 stating that the transaction was done in 2013. The card expired in 2009 & this fraud bank deited from my a/c stating a transaction has been dobe in 2013. when card expired in2009 how can this transaction be possible without my knowledge and consent.

I have submitted the below complaint to ICICI credit card customer care for charging unnecessary late payment fee and i go a funny reply as below: can somebody tell where should i complaint further. "Dear Sir /Madam, i am holder of icici credit card no:[protected]. While going through my current statement in online, i have found that a late payment charge is added to my statement. it is totally wrong charge as i did my previous payment well with in my due date. My due dae was 5/9/14 and i did my payment by 5/9/14, 10.46am which is well with in the payment due date. Pls find the attached proof for the same. also the current statement. pls do the needful to reverse the charges before the statement is issued. Pls confirm by a return mail. Best Rgds for this i got a reply as : Dear Mr. Tharian, Thank you for writing to us. From your e-mail, we understand that you are asking us to reverse below mentioned charges on your Credit Card Account. 14/09/2014 13/09/2014 LATE PAYMENT FEE 500.00 DB 14/09/2014 14/09/2014 Service Tax 61.80 DB Based on Bank's policy, we are able to reverse only a partial amount of charge on your Account. We have reversed today the late payment charges of Rs.230.00 along with applicable Service Tax of Rs.28.43 in your Credit Card Account as a One time service gesture. 16/09/2014 16/09/2014 LATE PAYMENT FEE Reversal 230.00 CR 16/09/2014 16/09/2014 Service tax reversal 28.43 CR Alternatively, you will also see this credit in the next statement dated September 18, 2014. We realize that we have not met your expectation by reversing partial charges, however on your Credit Card Account, this is the maximum reversal that could be processed. We confirm you that we will be unable to reverse any further charges on this Credit Card Account. In order to avoid financial charges in future, we request you to make the total amount due payment as per the statement on time before the due date. We look forward to your co-operation and patience in helping us serve you better. Sincerely, Praphool, Customer Service Officer ICICI Bank Limited when i complained again i got the same funny reply again, pls advise where should i complaint further.

I went to the ICICI Bank, Lalghati Branch on[protected] to get INR 500 notes exchanged for INR 1000 notes. I was handed over 100 notes in denomination of 1000, among which 2 notes were fake. As soon as I realized this, I went back to the bank within 5 minutes and informed them. They denied straight on my face. I tried speaking to the branch manager as well, all in vain. Instead they blamed me for bringing fake currency to the bank. I felt highly insulted. Cashier name: Gurusharan Kour (Assistant manager) I'd request you to look into the matter, refer to the CCTV footage and do the needful so that they can never cheat anyone else in future. Also I want justice on the same. Regards, Gurucharan Tilwani

Hi, I was relocating/travelling hence could not pay 1 of the installments on due date. I had kept the respective dept well informed that the amount would not go through regarding the same. I was advised by the customer care that nothing could be done and if it bounces their would be interest on daily basis until its paid. I would receive calls on daily basis even though I had kept them informed to when I would be making the payment. After excessive torture I was forced to make an online transfer towards the EMI with the help of call centre representative's(who guided me on how to transfer money online).I had requested them not to debit my account again as it would leave me with no money in the account to return back to bangalore. I was assured that there would not be another payment coming out in this month. 2 days later when I was trying to buy a return ticket to bangalore I realized that my account was debited twice. I called up the Call centre from the airport to sort it out. After 30 minutes of talking to supervisor, I was advised that they could not do anything to return my money until Tuesday. I was stranded in Delhi with no money to return until Tuesday. Finally the amount was put back into my account on Tuesday. I could not travel back even on Tuesday as flight tickets were expensive. I decide to return back on thusrday, when I was trying to buy the ticket online-yet once again, I realised that my account was debited towards the same car loan(3rd time). Being unable to avoid frustration had to buy AC tatkal train ticket-waste 2 days on travel and return to bangalore. The following week, I received couple of Feedback calls regarding the service. I did not want to complaint as i till furious and did not want to let go my anger on some call centre representative who had nothing to do with any of mis-transaction on my account. I was charged close to 12 to 13 thousand in excess for paying one of the EMI late. To keep in mind- I had made an honest attempt to keep the respective team informed that money would not go thru on the due date well before the due date due to my personal reasons. When a person is in trouble ICICI does its best to put that person in more deeper trouble is the take away for me. I believe that, when I am charged interest for not paying EMI on time(for creating inconvinience)- Company should share half of the burden caused to me during my handicap days from the time I was debited second time until my money was returned to me the final time- That is- one week's stay in delhi(unplanned)/accomodation/food/inconviniences/business loss..etc etc... I kindly request one of the respective manager to look into this seriously and take action to stop this from happening to others. ICICI car Loan number- LABNG[protected] email contact- [protected]@gmail.com

Kind Attention ICICI Credit Card Branch. Complent. To ICICI Bank Credit Card. Sub:- Payment Credit Card No:-[protected] ICICI Bank. Respected sir, I Anil Kumar Sharma R/o-B37/2, Gali no-1, Mandoli Road, Nathu Colony Chowk, Vishavkarma gate, Jagat Puri, Shahdra Delhi-32, Phone No-[protected], [protected] want to say. I have Purchase N2 Mobile Phone From Spice Retail Shop Limited Faridabad Haryana, December-2013 for 0% Installment basis. Installment detais are belows Under. Card Type- Visa, TXN ID[protected], APPR Code- 474885, Amount Rs:-20, 000/-ICICI Credit Card. EMI Amount Rs:-3460.86/-Applicant Installment Rate(PA)13.0% Total Amount with Installment :-20765.16/-Product Categary- Note2, Product Dest:- 98440:N7100 Set No:-[protected].Pay back Installment:- March-Pay back:-4% Total Pay back Amount Rs:-800/- Effective cost to Customer Rs:-199965.16/-Base Amount Rs:-20.000/- So, I requested to you I have first installment Cheque No-303980.Sum of Rupees:-3461/- dated on-21/12/2013.And Contineud all Cheques given Fevour of ICICI Credit Card. And Last Cheque No-303989 Sum of Rupees :-1233/-Dated on-11/06/2014. Your all dues regading Credit Card Payments Clear my Side. Why I do pay extra payment regarding Credit Card. Sir, I have Visit Your ICICI Credit Card Bank Branch Rohini Delhi-110085, Regading Credit Card Balance, But Your present staff tell me, Your Total Amount Rs:-47799/- till Date-May-2014. But your deposited Amount Rs:-46566/- Outstanding balance my side total Amount Rs:-1233/- So I have one cheque drop in your ICICI Bank dropbox Rohini Delhi Dated on:-11/06/2014.Amount Rs:-1233/- Cheque No-303989. Thanking You. Anil Kumar Sharma. Mobile No:- [protected], [protected].

Dear Sir, My Name is Shrikant Dahale having problem with ICICI bank Credit Card. There is EMI of 6 month @ Rs 1220 Per month. Problem : Late fee charged of Rs. 500 + Servoce Tax Rs 61 = 561 /- Usually I use ICICI Bank account to make payments but this time I made payment through Axis bank Internet Banking, on dates 6th August and payment got cleared on dated 9th August due to delay in clearance time. I received message on my mobile regarding the balance payment of Rs.1781 on 4th september and immediately I made payment through axisbank internet banking however after payment I realised that instead of Rs. 1220 it is Rs. 1781. When I checked on Online account I found the late fee charge. I want the help from pahredar to reverse these charges as I made payment oMy 6th August but got cleared on 9th August. My intension was to make payment in time however due to processing time it got delayed. To explain my point I called several time to ICICI call center for around 70 -80 mins from Bahrain as I am in Bahrain at present on business visit. In that case the calling charge is much more than the late fee amount. Below mail from icici bank customer care executive. Regards, Shrikant Dahale +[protected] [protected][protected][protected][protected]---- [protected] Forwarded message[protected] From: ICICI Bank Customer Care <customer.[protected]@icicibank.com> Date: Thu, Sep 11, 2014 at 10:13 AM Subject: RE:'ICICICARE=[protected]' 0002HaA0BMJV6AVJ:Re: :Credit Card Payment To: "shrikant.[protected]@gmail.com" <shrikant.[protected]@gmail.com> Dear Mr. Dahale, This is with reference to your e-mail dated September 08, 2014 regarding financial charges of your credit card 4375 XXXX XXXX 4000. We are deeply concerned with the issues raised by you in your e-mail, we regret our inability to reverse the mentioned below charges as we received the payment after the due date as per the July 2014 statement. Hence financial charges levied on your August 2014 statement. 13/08/2014 13/08/2014 LATE PAYMENT FEE 500.00 DB 13/08/2014 13/08/2014 Service Tax 61.80 DB We respect your decision regarding the card cancellation, however we would request you to reconsider it and confirm us. Your understanding and acceptance in this regard is highly appreciated. Looking forward for your co-operation. Sincerely, Sachin Jadhav Customer Service Manager ICICI Bank Limited

I am a NRI customer and I am having a home loan at pune location. . I never get response to my calls or emails.. This is very pathetic service to the customer.. I am going to transfer my loan to other banks as soon as I visit India. I am fed up with this pathetic service and same service was received by insurance department also.