ICICI Bank Complaints & Reviews

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.

I am maintaining saving bank account in icici royapettah high road, mylapore.Chennai
And also i am holding credit card of icici bank


I am not recieving my credit card bill properly and also intime


Name of the customer: f.Yakub
Address no 6 kailasapuram i street
Dr. Radhakrishnan road
Mylapore chennai 600 004.
Contact no : [protected] [protected]
I am residing at the above address for the past 50 years i never changed my house so far
I wish to know the reason why i am not getting the bills to my address properly
By mail


Regards
F.Yakub

Hello Team, I have been using ICICI since the last year. I was been told that there is no charges applied for any kind of Transaction ( for D-mat account). But, in the last month, 356/- deducted from my Account and this Transaction is said as " DP CHRGS TILL JUL-2014". My account no[protected] and contact no: [protected]. Could you look into this issue and resolve this. Many thanks in advance.

This Complaint is against the Branch Manager, Deputy Manager and his Subordinates, Today i wanted to deposit a amount which had currency of 100 Rs due to larger amount the Bank employees along with the Deputy Manager refused to accept the Cash and Deputy Branch Manager Ujjawal Stated a sentence in hindi which as follow's "Hamare yahan 100 rs ke note raddi ke bhav main pade hain agar tumhe deposit karna hain to SBI Ya BOI se Bade note leke aa" as i had relations with ICICI Senior Official's of Nagpur Branch they had to accept it any how, But as i am a loyal customer of this bank and hence forth due to this incidence i am really feeling sad to hold A/c in your prestigeous bank and i would never refer your bank to my colleages in future stating this whole incidence, For Contacting Me you can call me on [protected], [protected], [protected]. E-mail ID-surajchourasia.[protected]@rediffmail.com

Hi, I have recharged mobile on 15-Sep-2014 for Rs.500/- twice and both the transactions were failed. I waited for 1 days form then, even after which I did not receive the amount back. I am not able to connect to Rajasthan customer care number . I need you to track these complaints and let me know the status of the same.My Mobile Number is [protected]...

Hi, I was sanctioned a personal loan on my credit card without my knowledge by crediting the amount of Rs.2, 17, 500/- in the month of January, 2008 by ICICI BANK. I paid the emi for 8-9 months and stopped paying due to job loss and financial constraints. Later I closed the credit card in 2009 but personal loan on credit card is remained not closed despite being emi not paid. Suddenly after 6 1/2 years, on 20th of August, 2014 some people landed up at my door and were saying they are from icici bank and ask to settle the payment then and there only. I said its not possible for me to repay immediatly as my financial condition is not allowing me to do so. They threatened me with dire consequences if I fail to settle the issue before month end. I asked them to give time till November. After harassing for 3-4 days they stopped calling me. Again on 3rd of Sept, 2014 they started calling and harassing me and even came my home twice. Today again 4 guys landed up at my residence and made huge ruckus in front of my neighbours and even tried to stop me and my wife leaving for our offices. We both were unemployees all the years and luckily got jobs and joined our respective jobs on 1st of sept, 2014. Now they are threatening us that they will come to our offices and embarrass us in front of our employers. Already we felt ashamed in front of neighbours and now we fear about our jobs. Cant afford loosing jobs as my both kids are into college and need to pay their fee and take care of their future. I want to take action against the bank and recovery agents causing me such agony and trauma. Pl suggest me a best action to take so that nobdy again will fall prey to these kind of harassment and resulting in taking their lives. The persons who approached me in this course are Yuvaraj, Mahesh, Giridhar(introduced himself from Bommanahalli Branch, Bangalore) and a collection executive (old guy). They are not even providing me the loan details as I don't have them since its been so long I was sanctioned the loan.Thanks & Regards, Naushad. M

Sir, As I had gone through my CIBIL on dated 15.09.2014 it had been observed that an entry of amount Rs. 60000/- as an overdraft was mentioned in A/C no.[protected] dated 03.03.1999. I had not taken any overdraft from your bank of said amount. I am astonished that after a lapse of 15 years that amount had been shown in my CIBIL without any information to me which is a great irregularity of your bank and contradictory to law. Hence it is brought to your kind information that this wrong entry should be deleted from my CIBIL immediately with an information to me. Regards, RamaKant Sharma Mob No - [protected] Mail Id - [protected]@gmail.com jaipur

I applied for ICICI Credit card initially with my account opening. After 1 month, when I called them they told me that the application was not properly logged due to some technical issues. I filled in the application second time for which Verification door was closed - plz see how it happened. Two people for verification went to my hostel & office and on that day, I was in my hometown & I told them the same. Thereafter door was closed at that point of time. I don't understand why they can't carry out in my absence. Moreover, I applied for the credit card 3rd time & here goes a different strange issue. verification was done & back end people closed my application denying the issue of credit card with a very strange reason stating that "personal loan declined". When I asked the credit card representative regarding this, he told me that they gave only this status & they can't proceed further. In addition he suggested me to call customer care so that they can give me more information. I called customer care credit card division bangalore @ [protected] five times & entered my mobile number for contacting me. None of the people called me regarding this. I went to three ICICI branches & everyone asked me to call customer care & they are quite responsive that none of the banks in India can react in this kind

I am sabre alam has mi I also have ices bank customer .I have query ATM transaction related .Today I go to the ices Bank ATM in Laver comp maxim east.but I have got the shutter close.I saying home's person ATM working or not .But person replay me ATM is not working, ATM is started 8PM, in home leaving a ladies not allow to in side. Whose ATM based is not comfdevel to a customer and bank.Because ATM center is having to customer help but have any percent help full.
so I need to verify the point and do some .because ATM center very help to people.
if icici team not believe me tomorrow I send the photo a ATM location.how con jut ATM area.

Hi Team, I am Md. Samir has made a transaction of Rs14, 300.00 on 06/09/2014 with the account ending *****2003, but unfortunately the transaction made normal instead of converting to EMI hence i told the retailer to reverse the transaction but again tried to make the transaction and it was not successful due to insufficient limit. When I spoke to customer care 3-4 times it seems they are going to help me at all. It seems they are not trying from outside their limit. As a customer I should expect a better service from bank but instead customer care team is telling to contact to merchant. When transaction has done it was also same machine, and when transaction got reversed it was also the same machine. So I am confused if the transaction got success in the same machine why can't you see the cancellation also. Please help me out I need the limit to increased immediately. Thanks, Samir Mob-[protected]

Hi, I have applied for icici bank CORAL credit card after one of the sales guy from icici credit card division called me and said that icici bank is providing coral credit card without any annual fee. After checking the details and benefit of card I have filled the form of CORAL credit card. Yesterday to my surprise I received all together different credit card named "ICICI Bank HPCL credit card". I have never applied for that card, never filled any form for that card. I am very much surprised that how can they make any card without my consent. I wanted to escalate this matter in all possible manner. I am requesting other members of this forum to assist me in this matter, as I have never signed the form for this application and none of the bank employee ever had word about hpcl credit card. If any ICICI official is checking this thread do call me at [protected] so that i can provide more details. Regards, Swapnil patil

i p kusuma have applied the home loan in your bank the loan has been sanctioned but the manager and marketing people are not giving me any proper response and their are ignoring me, u marketing executive say that he is new and i dont know what is the delay of prosesing, and one more their are not intimating any thing