ICICI Bank Complaints & Reviews

I am having bank account in ICICI Nariman Point branch from last 1 years and my account no. Is[protected] My contact number is : [protected] I was just checking my bank statement and got the shock because my account has been debited by MAB charges: SMAB Chgs May14+Stax 22.00 = 200.00 I don't have any mail informing about this MAB charges. I have no information from ICICI. No call, no mail and no message. Now that I understand that ICICI bank has not informed me about change of balance system and if charges deducted are not credited back to my account then I will be left with no other option but to take this matter to higher authorities and Banking Ombudsman as this is CLEAR VIOLATION of Rule 8(1)(k) I.e

After migration to so called new software ICICI bank removed my registered mobile number from the Credit Card Account there by rendering my card useless for online transactions [i cannot receive OTP anymore].The reason given to me is that i cannot have same mobile number in savings account as well as in Credit card ! I am supposed to link credit card account with my savings account so that i give control to the bank to deduct from my savings account even when there are fraudent transactions on the credit card.The second option given to me is i maintain 2 mobile numbers. Both the options are not acceptable.I am choosing option 3 i.e stop using ICICI credit card and start using my other credit card!

We, M/s BhagyaLaxmi Cement Industries would like to register our new email id with "Current Bank Account". The Email Id that want to register is "[protected]@live.com" Account No.:[protected] Corporate ID:[protected] User ID: user1 Registered Mobile No.: +[protected]

As i given correct documents of mine still there is name mismatch in my account i tried since last one year to change account name . But there is no positive feedback by my branch Account Number is :[protected] Current Name in Account : Vijay Prakesh Dahiya And My Real And Documents Name Is : Vijay Prakash Dahiya There spelling mistake in " Prakash " And My Credit Card which was Attach With Account Was Disabled Now due to late payment, but from the card was activated i haven't receive any statement for paying bill or other thing even I tried to contact customer care but still there no such feedback for paying method From Last One Month I am Alternatively Going branch for name change and new insta credit card but they are saying come tomorrow or come after 2 days we will do and Today i went to my branch but there are saying close this account open a new account so we can do correct spelling o[censored]r name, is this way you give services to customer by making fool on name of new account, Change my name as Vijay Prakash Dahiya And Also Give me a Strong reason to disable my credit card else i will take legal towards you guys

Rs.561.80 was deducted from account on 26/06/2014 for demate account opening as i had never applied for the same in past so why the same had been deducted from my account . And i don't have any document related to demate account. At the time of opening the salary account they don't tell me about any thing about demate account. Firstly i want to close this demate account and aslo return back my deducted money .

Dear Sir, I am an a/c holder of icici bank they are deducting MAB from my salary a/c. Actually I am had an old salary a/c with Icici bank. For the period of 2.5yr i haven't use that a/c. Suddenly my present company decided to make salary a/c with ICICI bank. So they want to open a new a/c, but unfortunately i have an old a/c with bank. i am not able to new a/c. so they suggested me to close down the old A/c. With this information I visited to my nearest branch ( Bangur Avenue kolkata-55). when I want to close my a/c they old me (sir you can active this a/c and continue with this a/c as your salary a/c). so i gave them Rs 100 to active that a/c. But Now they are deducting mab for my a/c and saying that you sir you need to maintain RS 10000 as MAB otherwise we will deduct bal from my your account. So sir please take strict action against they are doing business in an unfair manner.

I wish to close all my accounts with ICICI, including my demat soon, I decided to do it 6 months ago itselfs, I felt Rs 499 AMC for Demat account is acceptable though it was not informed to us while opening the account, though we were employees of ICICI bank, we were cheated in this matter, I did not take it serious, since it was just Rs 500 for one year, though there was no amount in my ICICI demat linked account[protected], the AMC was blocked from my other ICICI account[protected], 6 months ago and then it was debited on 20th June 2014. Infact I was not interested in trading with ICICI as I was happy with Edelweiss. So I never used the account demat account and bank account linked to it. Later in the month of December, I recieved a call from RMs asking to start trading, they have activated discount plan for FNO trading, so I thought of starting it, And started in January 2014, everything was fine till today, none of them informed me about the MAB charges in last 2 years period, even while I escalated a issue about demat charges being blocked from my other account. But all of a sudden today I deposited a Rs 19816 in to my account, and found only Rs 15113, 4702.12 was found missing, when enquired the Malkajgiri Branch Manager Phanisree, she informed about the MAB charges, I politely asked her for reversal of the same, since deducting 4702.12 toward MAB charges for 1 year at one go is not at all correct, she said she has the previlage to reverse only the charges of 1 or 2 months or maximum upto 3 months, for complete amount, I will have to walk to the branch where the account is in. Here are the details of deductions. From[protected] 769.52 on 1st july 2014 393.26 on 1st july 2014 393.26 on 1st july 2014 393.26 on 1st july 2014 393.26 on 1st july 2014 393.26 on 1st july 2014 393.26 on 1st july 2014 393.26 on 1st july 2014 393.26 on 1st july 2014 393.26 on 1st july 2014 393.26 on 1st july 2014 17 on 30th june 2014 Total 4719.12 From[protected] 505.6 on 20th June 2014. My position is not good at home, my mother is not doing well with her health, I need my money back, can't explain much any more about it, please reverse the charges back. But, I will not be going to any branch anymore and get disappointed, also I am not going leave this as it is instead I will escalate it to the very high level of the ICICI management and Banking Ombudsman until my money is credited back, later on will also close this account. I will not be able to attend calls after 4PM. Sunil Kumar [protected]

On 30th May 2014 based on my complaint, ICICI Bank had reversed and settled the irrelevant bank account charges related issue.

But now when I saw my account, I was surprised to know that all the charges were REVERSED!!

On the top of that, additional charges were levied and that too were irrelevant!.

I wish take this matter to High Court, RBI and Banking Ombudsman so as to save innocent people who are customers of ICICI BANK.

The bank is taking advantage of people who are less literate and have no or limited access to their accounts.

Please take a serious action and publish in media.

Thank you

Sir I had one Credit Card : [protected] and closed the Card during AUGUST 2013 thru settlement. I have received the NO DUE letter also from the Bank. In May-2014, I checked my CIBIL status and shocked to see that the above Card is shown as OUTSTANDING for Rs.41000 plus. From May-2014, i keep on sending mails every week reqeusting them to check and update the CIBIL Status. I sent mails to higher officials also. Even after more than 45 days and 10+ emails, no reply received / no action taken. I plan to move to Consumer Court shortly. If any other alternative/s is/are there to close this issue, I request you to suggest. I have not faced any such issue with other Bank Credit Cards as several cards were closed thru settlement. Only with ICICI bank I am facing this issue. I dont know whether other people also face the same issue with this Bank. I welcome suggestions to close this issue. NACHI

My name is samji sathyan at chola Ms employee, you know sir icici with cholamandalam ms account agreement anywhere india our employees and agents deposit the money in icici bank no limitations, but some branches not serve with the good services, location-kollam pallimukku branch Deputy branch manager M/s Manjulla mukund she is several time mentally harrasement with me, she is see the different angle with chola employees.she not think our as your customer, my request please arrange the proper induction to manjulla otherwise she is again harrasement with the chola employees,
Thanks&Regards
samji sathyan
[protected], [protected]@gmail.com

Dear Team, ICICI BANK Consumer Loan Account No: NCBNG[protected] Issue 1 – Intentionally not contacted by ICICI bank consumer loan division for early payment of consumer loan (Year 2008 to 2013). Issue 2 – ICICI bank is sending only principal amount to CIBIL for update, why it is not sending (Principal + late fees) to CIBIL, where as other banks are sending correct information (Principal + late fees) to CIBIL per month /Quarterly. I had taken consumer loan (laptop) from ICICI bank Bangalore branch in Oct. 2007 for 33, 000 INR.I had paid amount 10, 689 with 7 EMI & rest paid as advance CASH & need to pay 9 emi for 13, 743 INR, but as I have opted for auto debit mode & this much of amount was always is there at my bank account so I thought it was cleared at the time, Suddenly due to loss of job I had left Bangalore city in 2008 mid . BUT I have not received any contact from ICICI bank in my registered email id or permanent address. below are the loan details, as per documents received by ICICI bank on 07-Dec-2013. Mr. Amit Gupta # 16 3rd Cross Kodi Halli Bangalore - 560008 Tel:[protected], 11111111 Mob: [protected] Email: [protected]@GMAIL.COM Loan Account Details As on 07-Dec-13 Sanction Date - 22-Oct-07 Loan Amount - 33, 000.00 Adv. EMI - 12, 216.00 Rate Of Interest – 23.63% Additional Interest - 24.00% Instl. Paid – 7 / 10, 689.00 Instl. Pending- 9 / 13, 743.00 Future Instl.Nos.- 0 Future Instl.Amt- 0.00 I left Bangalore after some time as I was not getting any job in 2008-09. I had opted for auto-debit payment through cheques & I had kept this amount ( 9 EMI amount 13, 743 + INR )in my salary account so I thought all cheques will be cleared. However, there was some amount pending & I was not contacted by ICICI team via my email - [protected]@gmail.com mentioned in their documents or not at my permanent address which is mentioned in their documents & its same address now also. As I left Bangalore in 2008, my Bangalore mobile number was closed, however my permanent address with email id was mentioned in bank details & loan documents. For my second Ioan at ICICI bank, Bangalore(same branch) I was getting regular call from ICICI credit card division to pay my balance due amount approx 23000 INR. When I got new job in 2010, I had paid the credit card balance amount in 2011 & received NO DUE Certificate from ICICI bank credit card division. Kind Attn: - It means ICICI bank had my updated contact details like my new cell number & existing email id & permanent address & present address. Few financial consultants suggested me that ICICI bank sometimes do not update CIBIL records regarding details about payment made after the final amount is paid by customers, while providing No dues Certificate. To get this confirmation whether my CIBIL is updated or not, I had enquired CIBIL for my CIBIL report for the first time. After I received my CIBIL report, I was shocked to know that the ICICI Consumer loan balance is still pending & being shown there in my report. I had contacted ICICI bank to confirm whether there is any balance against my name in ICICI bank (any division). So, their first reply came to my registered email on dated 6 th dec 2013 which was- NO sir we don’t have any information with your name related to any loan. In reply to this mail, I sent my first CIBIL report to ICICI on the same day, where the ICICI consumer loan was showing balance. After that they had taken time to check their database & sent me a mail - Yes sir you have one consumer loan balance & we got details. The point which I would like to make is: ICICI Bank doesn’t have correct database, which means either their consumer loan division doesn’t have any proper record for each existing customer OR intentionally they keep the customer records in hidden mode & when customer enquiries for his balance, they put all charges as mentioned by RBI & earn huge extra money like late fees, late interest fees, penalty etc. So when I checked all my consumer loan details I found that around 13000.00 INR principal amount was due & they have added around 25000 INR as various fees & told me to paid 13000. + 25000 approx. =38000 approx. INR ASAP. So this 25000 INR is their extra income which they had try to earnt by not contacting the customer in many years, hence by a simple calculation, you will be able to see that ICICI bank will earn more than 100 crores of extra money from their valuable customers, if only 1 crore of customer has this kind of issue. To earn this money, they put a simple trick by NOT CONTACTING THE CUSTOMERs & LET THEM REACH BANK AFTER MANY YEARS. Big question is why ICICI bank did not contact me for around 5 years from 2008 to 2013 & another question is why they have sent only 13000 INR to CIBIL record & demanding 33000 INR approx from me to pay off this loan. ICICI bank should have reported to CIBIL the exact balance due, as CIBIL is completely based on ICICI bank details which they have updated in their system for credit score. So it’s a kind of monopoly by ICICI bank to take extra money from existing customer & inform to CIBIL only the principal amount. When I contacted my financial advisor Credit Sudhaar Co., a credit rating agency, they have told me that for ICICI there are around 200 cases with credit sudhaar & amount involved in these cases is less than a crore, which is not a big amount for a bank like ICICI. Hence, senior management at ICICI retail banking team does not show any keen interest to solve these kind of issues which ultimately create mental / financial problems for customers. It’s really a pain for any valuable customer like me who is associated with ICICI bank for more than 10 years, taken many loans & paid all loans within time except one .So finally I want to take help & guidance from ICRPC, RBI, IBA & other financial organizations to solve this issue & pay only the correct amount which is reflected in my CIBIL report & to obtain No due certificate. Looks like, they are purposely doing this to delay the process of payment so that they can earn more interest as a result of their mistake by not contacting me . I am clearly not liable for this at all. Surprising element: What’s surprising is that they have never sent me a PHYSICAL BILL or COLLECTION CALL or COLLECTION EXECUTIVE to ask or remind me of the so-called pending payments, after my last payment in 2008, which gave me a very clear picture that my account is closed and loan is paid & closed. Suspicion: This also raises a suspicion that why they did not send any PHYSICAL BILL or COLLECTION CALL or COLLECTION EXECUTIVE. Are they are trying to siphon money from the customer without anything on records just by making the customer feel that we owe them where we actually don’t ? Finally I also would like a faster updation of CIBIL records and compensation from the ICICI banks side for not updating up my CIBIL status for nearly 2 years. Let’s see whether ICICI Senior management (consumer loan division) will think & act in an appropriate & customer-friendly behavior(as per ICICI bank tagline- Khyaal Aapka) for existing customers & will help to resolve this issue as soon as possible. CC – 1. ICICI Customer care - Hyderabad 2. RBI Mumbai 3. IBA (Indian Bank Association ) Mumbai 4. Consumer Forum 5. Money life Foundation 6. Creditsudhaar Organization – kandivali Mumbai 7. IRCPC 8. Credit Consumers Association - Thane 9. Abhay Credit counseling – Dadar Mumbai 10. Consumer Court India 11. Social Networking sites like facebook & twitter 12. Financial newspaper like Times of India, Financial Express, Livemint & CNBC awaz 13. consumercomplaints.in 14. ICICI bank – Mumbai grievance Cell -- Regards Amiit Gupta Mb. - [protected] Mumbai - (Bhandup West)

My self vipin kumar emp id 169114, i have resigned to icici bank properly in the system and serv notice period also for one month and requested for early releaving with HR and CSPB head but now its almost 1 and half year niether i got my releaving or experience letter nor i got my PF, so please check and issue my releaving or experince letter and transfer my pf amount which i already sent request. Regards, Vipin Kumar Ex employee: 169114 Mob no [protected]

Dear sir, a/c no[protected] debit INR 525.31 on 23/06/2014. I already submit application by email and online customer services but icici bank not dispute my money till now. pls conform why not balance credit in my account. thanks & regards Basant bahadur kunwar

We had applied for 100 shares of Cadila Healthcare Ltd. in its IPO . The application & the Demand Draft was deposited with Icici Bank Ltd., Connaught Place Branch, New Delhi.We complained against the company & they asked us to get the bank serial no. from the collecting bank's Branch.The details of the application are given below- applicant ' s name - Avnish Gulati application no. - 3551426 dd amount - Rs. 25000 dd no. - 286389 dated[protected] drawn on Bank of Punjab ltd., New Delhi Regards, Avnish Gulati H. No. 577 - A Mohalla Kishanpura Moga - 142001 Punjab M - [protected]

The ICICI Bank executive contacted me through a referral from my friend. The executive has offered me a personal loan of 2 lakhs on 15% interest. I have asked him to send me a official copy stating the rate of interest and EMI details before disbursing the amount but the amount was disbursed to me on June 27th 2014 without any confirmation. When I later contacted him he said that the loan amount has been sanctioned at a rate of 17.5%. How can the bank disburse the amount without consulting me when there is a change in interest rate. I want the bank to change the interest to 15% and confirm the same through an official mail. I am the customer of the bank for three years and I had a good opinion on the bank until this. When we contact the executive he further confuses me by saying all nonsense stories. My name is Mohammad Akheel Contact Number:[protected] email id: [protected]@gmail.com

ICICI Bank executive open an Salary A/c No.[protected], and told
that there are no charges applicable for NEFT, but when I tried a charge dr in
my account, then I asked to your officer and they said that all charges will
reverse and no charges deduct in future, but till date no charges reverse and I
am also unable to do neft withour charges, Your officer who sure me for
charge free NEFT contente detail as followes :- Mr. Tarun [protected], Mr. Aman
Bhatia:- [protected], Nikita :- [protected].

My name is RACHAMALLA SAIMITHRU holding a saving account in icici bank with account numbr:[protected] ...icici bank deducted 224.25INR from my account on 27/06/2014 saying cashtxncharges ! I want them to refund my money back within 2 days ! Thank you !

I had taken a loan of Rs. 36, 000/- from ICICI Bank in the year June 2007. I paid emi’s through the ICICI Bank agent for 8 to 9 months. However I lost the job in between and hence wasn’t able to continue. I also got the information that ICICI Bank has waived of personal loans of less than 50, 000/-, my emi was around 2, 000, but I kept getting calls from agents to pay the money atleast of amount 1000/- so I got doubt on them and stopped paying completely as I also lost the job. Now ICICI bank tells that I have to pay more than 1, 50, 000 with interest. I want to make a settlement. How to do?

Dear Sir/Madam, This is S.Ansar Working in Hyderabad, 2 months before i received a call from ICICI customer care representative her Name: Swetha([protected]), purpose of applying credit card, I accepted her request, she was sent a representative his Name : Sampath Kumar ([protected]), he collected all proof documents and an application and he given an acknowledgement No: S[protected], but still i am not tracking "my credit card status" I many times asked for 2 representatives but they are not responding, now they are not lifting my Cal also, "I am Just asking my status of Credit Card " they are very irresponsible, I am waiting another 10 days. If i am not received a status, I am going to lodge a Complaint against ICICI credit card Thanks & Regards, S.Ansar [protected]

i have contacted icici customers service three to four times regarding the money i have withdrawn money from atm which was 3000, when the amount was about to come out suddenly lights went off and money did not came out but the amount was deducted from my account... this is the worst customer service i have ever seen... it has been a month my matter has not been resolved... every agent is giving different answers still not received money... i am fed up of contacting you guyz again n again... my no. is [protected] plz contact me n solve this problem... i have withdrawn this money from icici atm on 23rd may 2014 at 9:00 pm but money stuck inside did not came out due to power cut n the amount was deducted frm my account... then i went to other atm which was axis and again withdrawn 3000 n that time money did came out... plz resolve this issue i am fed of calling u guyz again n again everyone is giving different answers... i thought icici bank was good.. the agents over the phone making it bad they submit the complain and say that i have successfully submitted the request, their own agent told me thatsir ur complain was not submitted by our agent let me submit it fr u... that agent also submitted the wrong request i got to knw that whn i called them again after few dayz... plz helllllpppppp... plz contact me at [protected]...