ICICI Bank Complaints & Reviews

Hi, I raised a service request SR[protected] with ICICI Bank to transfer my pay back points in my credit card to my bank account. It was raised on May 25, 2014 and was informed by customer care person that it would reflect in the next statement. My statement was generated on June 18, 2014 and still the points didn't get transferred. Again called the customer service, who responded that it will take 10 business days after statement generation. Even after 10 business days, the points transfer didn't happen. Called them back the 3rd time asking for answers. They started transferring the call from bank account dept to credit card dept, credit card dept to pay back points dept and finally one person said that he will check and respond back in 3 business days. It has been close to 15 business days after that and no bloody ICICI person has contacted me for this. Everytime I call them, I wont get a proper answer and they waste my time. I seriously doubt the service provided by ICICI bank and the capacity of the customer service persons. They are not even able to provide an answer. Too bad from one of the top banks in India. Thanks, Sri Ram

Hi, I am having bank account in ICICI Gurgaon branch my account number is[protected] My contact number is: [protected]. Now I am living in Pune. My account has been debited by SMAB charges many times (393.26 each time) since FEB 2012 months. I don't have any mail informing about this MAB 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. I contacted customer care & they suggested me to visit nearest branch & your money will be back in your account. So I had visited ICICI Branch (Kharadi Pune) where I got worst testament from lady Deputy Manager. She was in no mood to listen & said there is no option rather than to visit my home branch Gurgaon. This is horrible for me. Request you to look in to this on priority & revert my money. As ICICI have no privileges to deduct my money without any intimation. Name- Chetan Saste A/C No[protected] Mob- [protected] Email- Chetan.[protected]@yahoo.com

I was using ICICI credit card from 2006 till 2008. I had a bad credit and was going through a bad phase of my life which ruined my credit history until 2010. I have closed all credit cards (I had from other banks as well) in 2010 and I am not using any credit cards since then. I had also checked on this in 2011 just to confirm that my card is closed and they said that there is no credit card in my name. I have made all payments on my consumer loans (Bajaj finance) on time. I have a good credit history now. I purchased my credit report few days back from CIBIL and it reflects outstanding amount for ICICI credit card. (I am not sure which credit card I am using). Even the way it is shown is suspicious. It shows 0.00 till 2013 and then shows Rs. 60 for a month and then shows 0.00 for next two months (I have not paid anything neither I have a credit card since 2010), and again shows amount from there on which has reached Rs. 800 now. I am not sure what system updates does the ICICI Team does as one department says there is no card in my name (account closed) and other shows outstanding for the card which I don't own. Along with this I applied for Personal Loan one week back from ICICI bank and after collecting all docs they came back stating that I have outstanding credit card amount due with ICICI bank due to which my loan is cancelled by them. I would need an response from ICICI bank as it is their responsibility to make sure that the systems are updated properly. Also I would need my credit report to be revised for which ICICI bank has to request CIBIL on the same. Any help in this regard is greatly appreciated
Thanks Jaya

Dear Sir/Madam,

This is a grievance regarding a Personal Loan Account Number
LPNOD[protected] in my name i.e VINEET KUMAR.

This Loan was borrowed from Sector 61 branch, Noida for Rs 5lacs.
The Loan Executive Mr.Ravi Shukla made a few false commitments to
deceive our understanding regarding the Fore Closure Penalty Charges.
Mr. Ravi Shukla, told us that we cannot fore close the loan before 6
months and there will be zero foreclosure charges after 6 months.
The Loan was very smoothly disbursed and amount of 4, 95, 506/- with the
deduction of .8% of processing fees was credited to our account within
2-3 working days on 28th June'2014 without the issue of any sanction
letter.
After repeated requests on phone to Mr. Ravi Shukla for the request for
WELCOME KIT, we have as on date also not received any letter stating the
terms and conditions of the personal loan.
Yesterday, it was 19th July and we walked upto the bank to share, that we
have not received any schedule or documents related to the Personal Loan
to which the person on the help desk gave us the Repayment Schedule and
also shared that there will be 5% foreclosure charges applicable across
the tenure.
Then we followed up with Mr. Ravi Shukla, he said that it's okay we
don't have to worry and he will get the waiver done for preclosure
charges as 0% and when we asked him that shall we get it in writing
about this he said NO but he will ensure that we don't have to give the
penalty whenever we foreclose until he is with the Bank.
Further, we asked what do we not worry about...he said after 1 year you
are not required to pay the Penalty not 6 months. But even that cannot
be given in writing
He confused us to such an extent that we Discussed this with the Deputy
Branch Manager/Privilege Banker-Mr. Dushyant
Mr.Dushyant asked Mr.Ravi Shukla about the commitment to which he
confessed and said that he made the commitment of 0 penalty charges in
Anticipation of the new RBI guidelines which are awaited and might get a
clearance for the same and accordingly the foreclosure charges will not
be applicable after 6 months or after 1 year, that all these promises
are a part of virtual realities/conditions which are not in place in the
current scenario.
When Probed further he said if you are not happy..close the loan today
and you will not be required to pay any penalty.
He also said we should not complain as according to him, he has not made
any false commitment to us but to our surprise he was sitting with 2
more customers who were signing their loan application request. When we
verified the same promise for 0 prepayment penalty was conveyed to them
also. Mr. Ravi then told us not that we should not discuss with those
customers as different conditions apply to them and we are misguiding
them.
This brought us to the conclusion that Mr.Shukla has been selling
personal Loans on behalf of your esteemed bank with false promises and
misleading customers to get tempted with offers which bank cannot
honour.
We are feeling cheated as 5% penalty charges would mean Shelling a big
sum ...a cost that was not disclosed( will have to be borne by us any
given point of time)
As a Customer We Ask you how are we liable to bear the brunt of your
employees greed of fulfilling his targets and now he says..he has many
customers to take care and we should not bother him any further.
After the Whole episode Mr Dushyant guided us to Write the narrate the
whole story to you.
It is requested to please redress our grievance and honour what has been
communicated to us by Ravi Shukla. We are still waiting for WELCOME KIT
AND related DOCUMENTS with requisite fulfilment of 0% foreclosure
charges after 6 months.
Please let us know if this practice needs to be escalated to the next
level, if no accountability is shown on Bank's behalf. We look forward
to an appropriate resolution as requested above.


Thanks and Regards,
Vineet Kumar
[protected]
[protected]@rediffmail.com

I am the customer of ICICI CORAL Credit Card, These guys have cheated me buy saying Its free but a bill of Rs 500 has come, Second is I urg them so many times Not to call in this number but each day I'm receiving at least 1 call. What shall I do, Some time with mobile number some time Internet driven number. I'm sick of it. and if you shout on them they are threatening also just I got a threat from a number [protected]

i have been to your branch at patel nagar, new delhi, for opening of my daughter accounts on depostion of cash. and during the course of interaction with your branch people, i was astonished that they cant open the account on deposition of cash.

on being enquired they told that they will see the residence address of the person who is going to open the account. which is really a ridiculous aspects on their part. Although, the RBI have already issue direction that the account of the person can be open at any place where he worked and his/her address proof of the native/residence place will be subsequently will be verified. To this your personnnel says that they have not received and directives from RBI, which is really astonised to any body. And by virtue of the same its appeared that your bank is superior to RBI. REALLY ITS GOOD THING THAT BY VIRTUE OF YOUR STAFF YOU HVE TAKE OVER THE RBI.

PL DONT POST THE PERSONNEL AT BRANCH LIKE AT PATEL NAGAR, NEW DELHI WHO BEFOOL THE CUSTOMERS.
REGARDS
AK BAGRI
[protected] (mobile)

I was using ICICI credit card from 2006 till 2008. I had a bad credit and was going through a bad phase of my life which ruined my credit history until 2010. I have closed all credit cards (I had from other banks as well) in 2010 and I am not using any credit cards since then. I had also checked on this in 2011 just to confirm that my card is closed and they said that there is no credit card in my name. I have made all payments on my consumer loans (Bajaj finance) on time. I have a good credit history now. I purchased my credit report few days back from CIBIL and it reflects outstanding amount for ICICI credit card. (I am not sure which credit card I am using). Even the way it is shown is suspicious. It shows 0.00 till 2013 and then shows Rs. 60 for a month and then shows 0.00 for next two months (I have not paid anything neither I have a credit card since 2010), and again shows amount from there on which has reached Rs. 800 now. I am not sure what system updates does the ICICI Team does as one department says there is no card in my name (account closed) and other shows outstanding for the card which I don't own. Along with this I applied for Personal Loan one week back from ICICI bank and after collecting all docs they came back stating that I have outstanding credit card amount due with ICICI bank due to which my loan is cancelled by them. I would need an response from ICICI bank as it is their responsibility to make sure that the systems are updated properly. Also I would need my credit report to be revised for which ICICI bank has to request CIBIL on the same. Any help in this regard is greatly appreciated Thanks Jaya

Dear Sir, Icici credit card deparment Sub :- complain against verification person This is inform to you my self A. k barnwal from delhi my credit card no- ([protected]) this is complain against verification person Mr.eg: xyz, he came at my residence & misbehave & threat, by orally for due payment, today date 22/07/2014 timing is 3:20 pm. My due date is 27th july 2014. Before the due date he came without any information and threat me for the payment and did misbehave also, so I am unwillingly to be part of ICICI CREDIT CARD HOLDER So take needful action against him and this process as you cannot threat anybody by orally without any prior information. Revert back with your positive response Thanks & regards Ajeet Kumar Barnwal [protected] Delhi 110092

Hi Sir, This is regarding the foreclosure of my home loan LBHYD[protected] with ICICI Bank. My EMI date was 10th July 2014. I gave the request for closure on 12th July 2014. Request no is SR[protected]. I was ready to make the payment on the requested date itself but the bank people told me that I cannot make the payment until one week. When I asked the reason, they have told that it takes a week for the statement to get generared. It hardly takes seconds of time to calculate the outstanding amount. I went to the bank on 18th July 2014 to find out the O/S amount. The statement was already generated on 17th July 2014. They have not even given any intimation to me either through Email or SMS. They asked me to pay the interest for including 18th July. First of all, it is the very very bad thing to keep the customer waiting for 7 days to make the payment even when the customer has funds to make the payment on the requested date itself. In making the customer wait for atleast 7 days, bank is doing nothing but looting the customer in the name of interest. This is nothing but compensating for the pre-payment penalty which was existed earlier and not now. They have charged me about 415/- per day from the loan closing request date (12th July 2014) till 18th July 2014. I need to get the refund for this perio. Please help me with this query.

I am having saving account in icici bank since April 2010.and my registered no is [protected].On 18th July my parent received a cal( on my home i.e not registered number with icici bank ) from no[protected] and the person named himself Mr.Ahuja that he is calling from icici bank and stated this A person named shurvir singh has taken a personal loan and hes not payning EMIs and that person has mentioned me(Tanuja Srivastava) as refrence . How is this possible when I dont know this person and suddenly I became the refernce point for him and why did the bank didnot verify the detials at the time when he was taking personal loan. Its highly disappointing from icici bank side.It took me a lot of mental pressure. After getting this call I visited my branch where I am having my account i.e in BK-11&12, Sector-1 Noida and asking the b ranch manager for seeking the information about the details in whosoever account I am linked as refernce or anything, but he failed to give me the details and said he cannot provide details. Now, look into this issue as high priority as its a serious matter of concern .Its about the security and trust that bank has not maintaining at its end. I need the reply from ur end asap seeking detail about my name being used in reference or any other thing in any person accpount.

Dear sir, since 2013 I have icici bank account in cit nagar, chennai. when I was open the account they said this is nil balance account and this account connected to your trading account in kotak securities, unfortunately i went Qatar never care about this account now i planned to use this account so I have transfer some amount, but all the amount was deducted & balance showing Rs.154. I need to know two things.1.what type of account this. & 2.how much is account minimum balance, it’s my mistake I did not clarify with bank executives about my scheme, is it possible to refund the deducted amount. And also I need to change my mobile number. Kindly do the needful in this issue my contact no: +[protected] ( Qatar no) email id: albert.[protected]@gmail.com

I and my wife, B. Jayashree, have bought over the years both ICCI and ICCI Bank Tax Savings Bonds. These Bonds were issued to us in paper format - not electronic format. We have somehow overlooked the dates of redemption of these bonds, as a result these bonds are still lying with us - and, as I said, in paper format. The question now is: How to get these bonds redeemed? If they are redeemed now, will the redemption amount be the same as given in the bond certificates? I provide the details of ICCI and ICCI Bank Tax Savings Bonds that we had forgotten to send to these respective institutions (or their authorized representative organizations) for redemption. Tax Savings Bond Details (The following bonds are held in the name of B. Jayashree)Tax Saving Bond - 022000 - TSB Issued by: ICICI Ltd.No. of bonds held: 1Issue Price: Rs. 5, 000/- per bondAllotment date: 24/03/2000Redemption date: 24/06/2003Distinctive Nos:[protected]Bondholder No.[protected]Certificate No.: 5829Tax Saving Bond - 022003-TSBIssued by: ICCI BankNo. of bonds held: 6Issue price: Rs.5, 000/- per bondAllotment date: 03/04/2003Redemption date: 03/04/2006Distinctive Nos:[protected]Bondholder No.:[protected]Certificate No: 10661Tax Saving Bond - 012003-TSCIssued by: ICICI BankNo. of bonds held: 6Issue price: Rs.5, 000/- per bondAllotment date:26/02/2003Redemption date: 26/02/2006Distinctive Nos:[protected]Bondholder No.:[protected]Certificate No.: 72864Tax Saving Bond - 122000-TSBIssued by: ICICI LTDNo. of bonds held: 4 Issue price:Rs.5000/- per bondAllotment date: 19/01/2001Redemption date:19/05/2004Distinctive Nos:[protected]Bondholder No.:[protected]Certificate No.:.3587Tax Saving Bond - Tax Saving Bond - 0199- TSBIssued by: ICCI LTDNo. of bonds held: 1Issue price: Rs 7, 350/- per bondAllotment date: 03/03/1999Redemption date: 03/06/2002Distinctive Nos:[protected]Bondholder No.: 5102-481Certificate No.:.40004Tax Saving Bond - Tax Saving Bond - 0199-TSBIssued by: ICCI LtdNo. of bonds held: 1Issued price: Rs, 7, 350 per bondAllotment date: 03/03/1999Redemption date:03/06/2002Distinctive Nos:[protected]Bondholder No.:5102-481Certificiate No.:.40005Tax Saving Bond - Tax Saving Bond 012002-TSBIssued by: ICCI Ltd.Issue price: Rs. 6660/- per bondAllotment date: 19/02/2002Redemption date:19/06/2005Distinctive Nos:[protected]Bondholder No.:[protected]Certificiate No.:. 58992The following tax savings bonds are held in the name of N. RaghavanTax Saving Bond - Tax Saving Bond - 012002-TSBName of bond holder: N. RaghavanTax Saving Bond -012002-TSBIssued by: ICCI Ltd.Issue price: 5, 000/- per bondAllotment date: 19/02/2002Redemption date: 19/06/2005Distinctive Nos:[protected]Bondholder No.:[protected]Certificate No:. 58993Tax Saving Bond - 11200-TSBIssued by: ICCI LtdIssue price: Rs, 5000/- per bond Allotment date: 13/12/2000Redemption date:13/04/2004No. of bonds held: 4Distinctive Nos:[protected]Bondholder No.:[protected]Certificate No.:.36631

Failure of Prepaid Mobile recharge I had used the icicbank prepaid mobile recharge to recharge my bsnl number. I never got the recharge but the amount Rs.110 was debited from my account on[protected]. The payment details is BIL/[protected]/1014/[protected]/[protected] Dr. Rs.110.00 payment id : [protected] Please do something regarding this.

The transaction was made on 31st of may. I used the debit card to purchase an item from Myntra.com, but due to loss of Internet connection the transaction was not completed, but the amount was deducted. So, when I spoke to Myntra customer support, they said that they haven't received any money, so I contacted the bank and they said that the transaction was stuck at the gateway so they will process it and the amount will be reversed in one week. It's been a month and half and still the amount is not reversed. And I had been speaking to the Icici customer care every week and they seem to be taking no action regarding it. The transaction was made for Rs.834. My name is Akshay Ankit.

I have open a new account bu the problem in net banking login the bank authorities not responidng properly and many time i speak to phone banking officer they said my mobile number is not registered kindly register the mobile number for netbanking accessing and solve the problem please.
Regards.
Thanveer ahmed . M
Custermer no.[protected]

I Manjula from Hyderabad - have already intimated through customer care number for surrender of my credit card no.[protected] whereas the same is being continued in usage. I have received annual fee debit on the card during July 2014. I request to kindly discontinue the coral credit card immediately and kindly refund the annual fee amount paid by me on 18.07.14.

Hi,
I am not sure what kind if charges are bank applied and deducted 3000 rs from account.
Here is what it shows in my statement:
BIL/[protected]/NchgRs2.50STRs0.31 Dr 3, 002.81

I have not made any transactions at all which can cost me with extra charges.

Someone need to explain me and get that money back in my account.

Wondering if I have to change bank now. Bank are suppose to be trusted and if I have to look into all details then I do not need bank for that.
Looking forward to hear from you.

regards,
Saurabh

I Animesh Satpathi, had subscribed Economic Times (1Yr.) by paying Rs399/- through An ICICI Bank Cheue (Chq. No. - 024150) to agent Sandip Sharma. My subscription COUPON Book no. is 6532375. Now newspaper Vendor Subrata Saha of Jadavpur Stn. refusing to receive Coupons since the Coupons are double stamped(One is Jadavpur 8B 01 Jan 2014 and another is Jadavpur STN 01 Jan 2014). This is purely an official problem, I have nothing to do with this . Please endorse the stamp error and instruct the vendor to receive my Coupons and help me to get out this newspaper bill payment dispute.

On date 14/07/2014 i have on line recharge through ICICI debit card to mobikwik webside for my postpaid mobile no.[protected], by Rs.375/- and [protected] by Rs. 350/- but ICICI bank not send said Amount Rs.350/-to concern webside ICICI: Debit Ref: [protected]/0-Rs.375 and [protected]/0-Rs.350/- pl. help. should be credit Rs. 350/-

My name is Swapnil Pimpale and I'm holding an account in ICICI bank for the past 4 years. I just saw today when I checked my account online, that twice I have been charged POSDEC CHG of Rs. 28.09 each on July 16th 2014 and the description says: 3 16/07/2014 POSDEC CHG/02-06-14/2278/25ST3 Dr. 28.09 4 16/07/2014 POSDEC CHG/02-06-14/2278/25ST3 Dr. 28.09 I have swiped my card only once on[protected] & declined due to insufficient balance then how can bank cut the charges for two times. I have called customer care but system is down. Please refund the debited amount at the earliest. Complaint no. is[protected] dated[protected]