ICICI Bank Complaints & Reviews

Hi, My personal loan has been approved from ICICI bank of 3, 00, 000/-, Please find below details : Loan Account Number (LAN) : LPMUM[protected] Principal amount of the facility :- 300, 000.00/- Tenure : 60 Months Equated Monthly Installment (EMI) :- 6, 980.00/- Rate of Interest : 13.99 % Product Type : Personal Loans This is BT Case, The amount 81, 000/- has been credited into my saving account on 7th Aug, 2014. As per the ICICI executive information the remaining amount approx. 2, 13, 000/- will be provide me by cheque, but still now i not received any cheque from ICICI bank. Also no update received from ICICI bank and executive till now. I called four times in customer care, but they said the process is going on. I received the cheque of 2, 13, 555/-Rs on 27/08/2014 from Mr.Darshan from andheri (MIDC) branch, but due to problem in name (Favouring name) i resubmit the cheque on 28/08/2014 to Mr.Hari & Mr.John with HDB Finance prepayment letter copy. As per the communication they said (ICICI Executive) new corrected cheque will be send to me within two working days, but still now i am waiting for cheque. Also the EMI 6980/-Rs has been deducted from my account on 05th, Sept, 2014. So if full loan amount is not received by me from ICICI bank then why EMI has been deducted from my account, Kindly explain this ?

Grievance Dear Sir, I am Dhinakaran Rangasamy from Coimbatore. I am working in an FMCG Industry, Erode. I had loosed my money Rs.11400/- from my ICICI bank Account(salary A/c). I am thinking that someone hacked my money without my knowledge. I was complaint regarding this in ICICI bank, near PS park, Erode. They said that to complaint nearby police department(Erode town station). Then I went there to complaint, But there they not taken my complaint. Instead of that they diverting me. I do not know what to do?. Then I sent a mail to [protected]@icicibank.com. But still no response from Bank. This was happened on Sunday(31.08.14). So, I am requesting you to do me as needful. Name: Dhinakaran.R, City: Coimbatore, Mobile No: [protected], Hacking date: 31.08.14(Sunday), Note: Hear by I have attach the statement of Transaction. I am awaiting for your response sir. Thanks Regards Dhinakaran.R, 2/130, Pattakarampalayam, Irumbarai(Po), Mettupalayam(Tk), Coimbatore(DT)-638459

The online system exists to piss you off. I have been in the US and just needed to either speak to someone or enter a service request related to a ECS denial. Their error messages are configured incorrectly and I really can't understand what in the world they want me to do. They got a new dashboard but a seriously flawed system to chase people away from submitting service requests. Not sure who managed the requirements, I really wish someone throws a civil suit at him.

Dear Sir/Madam I would like to inform u that I lost my debit card near laxmi nagar Delhi. Instantly I call to customer care to stop my card for misuse.After that I went to icici bank branch near jor bagh Delhi. After filling all document lady told me that ur debit card reach ur home by courier.After 2-3 days I got a call from bank that ur card returned to head office because no body was at home.for ur information my wife and my parents present at home.Again i met to that lady in icici bank branch near jor bagh. At that time she told me to call customer care, I called customer care several time but still I am suffering from such type of inconvenience. Thanks Bijender Singh Rawat S-71, School Block, Shakarpur, Gurudwara Wali gali. New Delhi-110092

I took a new ICICI savings account where I have to pay Rs 1500 per month as a savings bond...can be withdrawed only after 18 months...a total waste!!! i tried to update my email address, my mobile number (which is different to the salary ICICI bank account), link my salary and new savings account and it's giving me an error every time...i can't contact ICICI as the form won't send for somereason and i'm directed to the homepage...i can't call as the number is always so busy and always chargeing high rates...IM VERY VERY VERY ANGRY AND FED UP THAT I WANT TO CANCEL BOTH MY ACCOUNTS WITH ICICI AND MOVE TO KOTAK (I'VE ALREADY OPENED A NEW ACCOUNT WITH THEM WIH NIL BALANCE). PLEASE get this fixed or I'LL CANCEL FOR SURE...MY EMAIL IS [protected]@YAHOO.COM AND MY MOBILE NUMBERS ARE [protected]/[protected]

I ordered a laptop from OLX.in a seller from MUMBAI. Deal was fixed at 50% advance online payment in ICICI Bank Account and 50% cash on delivery. I made payment in the sellers ICICI Bank account thinking it was a genuine AD on a brand website like OLX and they also gave me account details of a Bank like ICICI BANK. Why would it be fake? Later on they sent an invoice from UK and I realized that it was a fake seller on OLX with fraud account in ICICI Bank. Seller later on claimed that my shipment has 2 extra units and I have to pay 3 times now. And not responding now. My money was actually transferred into ICICI BANK on 18th August: Rs. 16, 000 + Rs. 17, 000 Total: Rs. 33, 000 Name. Mankhanngai zo. Account no.[protected] Ifsc code. icic0002170 Branch. Churachandpur ICICI Bank. After I visited ICICI Banks nearest branch I found out that ICICI Bank does not have any records/details against this account. Seems that the account was opened without verifying any PROOFS of the customer. It has been a frustrating week for me following up with ICICI Bank, there seems to be no solution available with ICICI Bank. I have lost my health along with my wealth, ICICI is just not ready to accept the mistake or even help me reach fraud account holder of seller. OLX has now deleted the ad and raised their hands, their duty is over. Fraud seller still keeps to calling and threatening me (Robinson: +91 [protected] Nigerian, Mumbai), asking for money to be deposited in 4 more ICICI Bank account numbers. I need Legal & professional help now. Amit Gambhir [protected]@yahoo.co.in

I have done "Fund Transfer" transaction on 26 Aug 2014 of amount 1, 10, 000 Rs. said amount got debited to my ICICI account but didn't credit to HDFC account as got some error that time. So I called customer service on same date and requested to resolve this issue as they confirm that transaction failed and told me that I will take 5 days to credit same amount to my ICICI account. But it's almost two weeks, I didn't get amount to my account. I called Customer Service # at least 5 times but nothing happened, every time I got answer that issue will be resolved in couple of hours. I also sent email to "shivshankar.[protected]@icicibank.com " as assigned "Privilege Banker" but didn't get any response from him.

Dear Sir/Madam,


I came to abroad and my debit grid got disabled mentioning that i entered the numbers wrongly which was not correct. As it prompted me that i entered wrong, I was cross checking three times before entering the grid numbers. It seems there is some software issue or intentional fraud from ICICI bank. After that i am trying to call customer service with the phone numbers they mentioned in web site. It is asking to enter 16 digits debit card number or 12 digits account no. Though I enter either of that, it is giving message that "you have exceeded maximum number trials". I tried almost 40 times, I could never reach them. Being a educated person & privileged customer of the bank, If I am not able to reach their customer service, what about a common man. It seems that there is some fraud going on in ICICI banking service.

Dear Sir /Mem, I wish to activate Net banking in my Saving Bank account in ICICI. I fill & submitted a form for Net banking at Kailash Nagar-2 Nimbahera Rajasthan Branch and also personally contact with Bank staff and Custormer Care but only my time spend and No result has got since two month. Details are as under: SB account No.[protected] Mobile No. [protected] Please look into this matter at the earliest and activate my Net banking and send me User ID and Password.

Dear Sir/Madam
1. In 2005 I have been issued a credit card from I CICI Bank based on the salary account which was created at the time by the company I was employed.
2. Using that Credit card we have made a purchase of Rs.3300.00 & repaid within a month. Other than that I have not utilised that card anymore.
3. But the Bank was telling there was some Insurance column was ticked while creating the account & the same was not paid by me for a longer time.
4. As this is a salary account after I resigned from that company I am not aware that the account was not closed by my ex-company.
5. But this Bank was keep trying to take money for that Insurance as no money in the account it was getting bounced & now it was accumulated so the Bank was telling me to pay.
6. In no way I am responsible for this due money &without availing any privilege from the Bank how will I be able to pay this huge amount. I am not in a position to pay this due payment also & which is unnecessary for me.
So I request you to intervene to resolve this issue &help me to get out from the same.
Due to this I am not able to avail my personal loan from HDCF Bank. Thanks in Advance. Anitha Ramakrishnan([protected]@hotmail.com)MO:[protected].

Hi, I applied for personal loan in July 2014, the same was approved by ICICI bank but the third company vendor named Aditya Enterprise's personnel forced me that loan can't be done if I will not sign for Lombard policy. I rejected the same. Again I applied through online reference number [protected] and able to see that my loan has been approved... but not getting any response from ICICI bank executive, Today I received a call from...

Regarding harassment for collection of 2 wheeler loan. I took a 2 wheeler loan from ICICI in 2007 (Loan# LTDEL [protected] / Motorcycle regd. # DL4S BG 2328). The bike was stolen on 7th Nov. 2007 and a FIR was registered on the same day (FIR# 544 at Mandawali Police Station) Thereafter I filed a claim with the insurance company - ICICI Lombard. and I have been to their office a number of times to no avail. This made me send a legal notice to ICICI Lombard and the bank in reference to passing of the claim. I got no response from them. Now I have been receiving threatening and harassing calls from the collections department from the following number[protected]. My wife is also receiving threatening calls from the same number. Abusive and harassing language is being used by the collections representative. They are also calling my relatives and harassing them.My mother is an heart patient and 70 years old. After receiving the threatening calls from the collection representative her BP shoots up and been admitted to the hospital. I am sure ICICI has a defined way of dealing with such matters and this approach by the collections team is leaving me no option but recourse to legal action. Please look into this matter on priority and respond

I tried to book a flight ticket on make my trip.com on 10 th aug 2014 using icici debit card .while booking pant was processed however booking was not confirmed..it was for 18287 i immediatwly called make my trip n also icici Make my trip confirmed money will be credited in 72Hrs ..hoWever till date as Per icici Its not ..bOth of them are making me run from one perSoN to other no money is refunded i just want my money Icici is of no Help at all Complaint no with icici Is SR[protected] Ref no wiTh Make My trip :NN[protected]

Suddenly I had received a call from a gentleman of delhi on 223rd august and told calling from visa dept and they had selected me a vip customer after seeing good payment records and oeffered me a all time discount card of 20%on every purchase with some lotto shoes and rs 9000 gift coupon, his name was jatin balia of delhi shoppinggyan 326sec 5dwarka nd-110075phno [protected] he did not give his address but i gathered it from theirgarbage packrt they sent me. what they did, they gave every details of my credit card for taking me in to their confidence and they crated a paasword, and the no came to my mobile i told them the no beacause i thought they truly called me from visa dept on 23 rd they took of RS7881 AFTER THAT THEY TOOK RS 8886, FOR 8886 they gave me a fake packet through dtdc courier and for 7881 they gave me a nowhich they told aer no 75134834235514097316137 throgh this no they had sent RS 7881 to my icici creditcard account but nothing happened till 2 day, they are fraud and now they usually received my phone, my name jayanta bhattacharya credit card no [protected] icici master credit card

Dear sir, myself RAJESH TEWARI holder of savings acc no[protected]priviledge a/c) in ICICI bank nerul sector 23 branch.also my wife mrs TASLIM RAJESH TEWARI is also holder of seperate savings ac no[protected]priviledge ac).I have serious grievances against ICICI bank nerul branch and present branch manager Mrs Meenakshi S Thanu.the above mentioned branch manager is very unpolite, unhelpfull & also she is instrumental in alleging false allegations against me.let me explain entire issue step by step which is as follows.
On 26/8/2014 my wife mrs TASLIM R TEWARI had applied for a gold loan vide facility application no 3392084 to mortgage her gold jewellary for amount Rs 485065/-.The concerned bank representative assured us that this money will be credited to my wifes account in 02 hours somewhere around 1330hrs sameday, however we were kept waiting till 1730 hrs.then we were told due to some technical reason the amount will be transfered surely by 1030 hrs next day ie on 27/08/2014.
Next day my wife called on the mobile of branch manager mrs meenakshi s thanu mobile to which she rudely replied and said bank will contact in next 2 hours.shortly some bank representative called on my wife mobile and told her that gold loan is not approved.my wife was taken back and asked for reason for not approval of loan which was solely based on mortgaging of her gold jewellary to which it was told to my wife that her husband that is myself is in frauds list for some personal loan default in 2007.Then i went to bank and demanded for necessary proof regarding fraud allegation.initially the bank was reluctant to share any proof.however on my continous insistance they gave me hard copies which reflect somebody named rajesh rajesh with date of birth 05 jul 1982.
here it is important to note tat my name is rajesh tewari and my date of birth is 25 may 1964.I have never taken any personal loan or any kind of loan from ICICI bank till todate.although i have paid emis of my home loan of GE money, DHFL through this bank in time.both loans are completed as of today.also currently i have a home loan from IDBI bank whose emis are paid regularly through this bank without any default.my credit history is very strong and my CIBIL score is very good otherwise i cannot get any home loan.my cibil score can be verified by my PAN NO AEVPT2829P.Therefore the aforementioned documents shared byICICI bank reflecting my part name in alleged fraud list are completely false and bogus and are with malafide intent by somebody to damage my reputation.I contest the false allegation.
Due to unprofessional behaviour in front of many other customers present at that point of time it was told by this bank staff to my wife that iam in frad list and hence gold loan cannot be given to her.not only bank tarnished my image and reputation but also de to thier initial commitment and approval i had further commited to another party for giving money in time.but due to such unprofessional behaviour from ICICI BANK i had to bear emotional, credibility and financial loss.I contest ICICI bank claim that iam in default list.I need justice and compensation for the trauma and harrasment i have gone through this entire episode.This amounts to deficiency in service by the bank.
My details are
RAJESH TEWARI
A/C[protected]
NERUL SEC 23 branch
PAN:AEVPT2829P
MOB:[protected]
ADD:701 B WING
OM SIDDHI TOWER
SECTOR 27
NERUL EAST
NAVI MUMBAI
400706

email:[protected]@yahoo.com

THANKS AND BEST REGARDS
RAJESH TEWARI

Hi, This is to inform your goodselves that we are getting wrong calls from chennai stating that you people have to pay the credit card loan amount due, when there is no credit card from the bank how can we get a call asking to pay for credit card loan for a card no. [protected], which does not exist at all.

Hello sir, I had taken education loan from bank of rajasthan in 2010 and in 2011 rajasthan bank merge into ICICI bank. Now my education is done and EMI should be start from may, but i'm not getting updated emi schedule for my loan from bank, i discuss with bank employee many time but since last 3 months they are saying we are processing your case. But i'm not getting any update from their side. Due to this interest on my loan account is continuously increasing. And if i have to pay last 3 month EMI in one time it is not possible for me. Please help me out in my case. Detail of my loan is as follows My Name :- Gourav Gupta Old loan a/c no (BOR) :- R1BHP[protected] new Loan a/c no. (ICICI) :- L1BHP[protected] Thanks

Through this Forum, I wish to write to ICICI Bank about the inefficient working of the Bank staff and the malpractices followed by ICICI Recovery agents for collection of dues.


Dear Customer Care Team,


With great Agony, I wish to inform you that your Team of collection officers are not following the RBI regulations and have been harassing me for the past 1 Year for no fault of mine.


To give you a background of my case, I had a credit Card # [protected] from ICICI on which there were some accumulated dues and because of my financial position not being good, I had entered into a settlement with the Bank on 26th November 2012 for a Full & Final settlement amount of Rs.15000/-. The said amount was to be paid in 3 instalments of Rs.5000/- each and the reference number of the letter I received
from the Bank is CC/1211/0006375 dated 26th November 2012.


As indicated in the letter, I made 3 cash payments of 5000/-each at your Sushant Lok Branch and also updated the collection Manager, Ms.Ritika Gupta regarding the same from time to time. (I have all the SMS
conversation details and email communications with me).After settling the said amount, when I asked for the No Dues Certificate, I was told that after 30days, I can walk into any of the ICICI Branch And get the same. However, to my shock, I was dissapoined each time and was told to contact the collection Manager. When I called up the collection Manager, I got a response that I can contact the customer care and request for the No dues Certificate and that the Customer care would e-mail it to me.


I Contacted Customer care and they agreed that they had received the 3 instalments and said that they cannot help me with No due certificate but only the Branch can help me. Since I was happy to get the
confirmation from customer care about the receipt of money, I did not bother much about the delay but kept trying at the Bank Branches and tried calling upthe Collection Manager. Now, Ritika Gupta had stopped taking my calls and the number was also indicated as incorrect number. Apparently, her number had changed. However, I did e-mail her but there was no response. I also e-mailed Customer care but got no response. Since I was not well in the midst, I stopped my follow up thinking that anyways the customer care had confirmed that my dues have been received.

However, suddenly i started receiving credit card statements which showed amount outstanding and I was really shocked and I also started receiving calls for collection but once I explained, they would stop calling me and so I
thought that they had checked and found out that I had paid off the dues. In the Last 2-3 months, the harassment from the credit card collection agency has been really a torture and a cause of depression for me since they called up my office Landline and my friends and revealed my personal information that I Have
dues that I haven’t paid.( I had actually paid it 2 yrs back). They spoiled my reputation by calling my relatives and friends and even distant relatives whom I am not in touch with at all and disclosed my personal details. RBI Directions very clearly state that collection/recovery agents need to maintain a respectful approach towards defaulters and that personal information should not be leaked at any cost. However, your recovery agents harassed me and caused agony not only to me but to my relatives as well by abusing them for supporting
a defaulter.


I Spoke several times at gurgaon sector 14 Branch as well as sushant Lok Branch and they kept telling me only the Rohini Branch can help me and since I could not visit personally, I could contact customer care and seek
their help. When I called customer care, they told me that my credit card settlement was declared Void since it
was paid in 3 instalments where as the settlement letter was for 1 instalment. When I requested the customer care to show me the letter where it was mentioned that it had to be cleared in 1 instalment, they said that they don’t have a copy and cannot send it to me. I was really surprised because I had been given a settlement letter for 3
instalments.However, Unfortunately, that e-mail was deleted and so I had lost the soft copy. Luckily I had the email from collection manager Ritika which referenced 3 instalments and also my SMS messages in which she had asked about payment of instalments and I had mentioned the details.


With all the information, I visited Rohini Branch on Saturday, 30th August 2014 at 12 pm and Mr. Vikas at the 2nd
Floor counter No.4 was very kind to help me with Ritika’s new number. He also patiently listened to my trouble and assured that the needful will be done if they found that I was correct. He also indicated that the system showed that
the settlement agreed upon was for one shot payment. I called up Ms. Ritika on her new number and Madam recognized me. She was on her way to office and requested me to wait and finally reached and when she checked her e-mails….she actually found the letter of settlement which showed payment in 3 instalments!!!


Finally, she said that she has intimated the changes in the system and within 3-4 days, I can get my NO DUES CERTIFICATE and explained that it was just a technical error in updation due to which the amount was
showing as still due.


‘Just a technical error in updation ‘ but does the bank realize what a pain it is for a person who undergoes such humiliation and harassment even after making the payment based on trust over the Bank’s commitment for a settlement? Why is it that ICICI appoints such goondas for collection who first of all call from a mobile number ([protected] is one of the mobile number from which calls came to my office landline.) and abuse the customer and his/her relatives and later when customer calls up on the mobile number, say that they would call back and then talk from the registered Landline very politely as everything gets recorded !!!. Also, they do not reveal their Identity and always say that they are not authorized to do so which is really a shame…A Bank of such repute is certainly not expected to resort to such unfair techniques of collection. Even for legitimate claims, a bank cannot use such measures and for an illegitimate claim like my claim, I have been harassed and, my relatives
have been harassed too.


My CIBIL Score has been hampered because of my account being stated as ‘overdue’ in place of ‘settled’ for the last 2 years and my mental peace has been disturbed by the unthoughtful collection agents…please answer as
to how you are going to make good of all the torture that I have been through because of a careless employee
of ICICI who was the cause for the error in updation and then the casual and careless approach of ICICI itself in appointing third grade, uneducated and uncivilized recovery agencies. Please answer as to how the bank is going to compensate me for the torture and trauma caused to me over this matter. I am Still waiting for my NO
dues Certificate which I was told, I will be given in 3-4 days( by 3rd or 4th of September by posting a request through customer care.
I called up customer care and the first feedback I received was that i owe 21000/- to the Bank and when i explained the whole thing, the customer care agent takes a detailed look for updation from backend and confirms that the same is in process of being rectified. Will I ever get some poeace of mind and written document from ICICI Confirming NO DUES?

Sir, I am having a saving bank account No.[protected] with your bank, and I have visited the ATM of your bank on [protected] in between 12:30 - 01:30 P.M. (Noon). The ATM was installed at Mangla Puri, Mahavir Enclave, Palam Colony, New Delhi, ATM ID SEVDA 447, and swaped my debit card in the machine for withdrawal of Rs.20, 000/-, however, the cash amount was not delivered by the machine, and it has been shown on the screen "last transaction cancelled", However, I have received a message on mobile number [protected] showing that amount has been withdrawn from my account. the amount was actually not delivered to me by the ATM, and as such, I approached the nearest branch at Palam Extension, Sector-7, Dwarka, New Delhi, where prior to that withdrawal, I have withdrawn an amount of Rs.20, 000/- on the very same day. I was informed by the officials of bank that the bank will reverse the transaction entry within 24 years, and there is no need worry about the same, and the same could be due to some internal problem. I am waiting for reverse of withdrawal entry. Kindly help me to come out from this problem, as the same is my hard earned money. I shall be thankful to you, if the withdrawal entry may kindly be reversed immediately against intimation to me. Anita Aggarwal Mobile No: [protected]

Hi, I raised a dispute request (SR[protected]. Yesterday I received an SMS saying that dispute has been declined by the merchant. I called ICICI customer care to check what reason the merchant has given while declining the dispute but customer care is not aware of that. Merchant is saying that they have claimed only 1 amount and ICICI bank is saying that merchant has claimed both the amounts. I am not getting how dispute can go in favour of merchant. Request you to please look into it or let me know where should I raise it if both bank and merchant cannot help in this matter? Thanks, Arun