ICICI Bank Complaints & Reviews

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]...

my name ..A.MOHAMED ITHREES Account number..[protected] My service status number..[protected] I have received e mail stating that my DEBIT CARD has been sent by speed post.on 10.06.2014. so far i did NOT receive the same . Kindly check my SAUDI ADDRESS.. DR. A. MOHAMED ITHREES ..Post Box no. 12, ALKHOBAR - 31952 KINGDOM OF SAUDI ARABIA.

I regret to inform you that ICICI Coral credit card was forcefully handed saying that it was a corporate compliment and I had also clarified that i am not interested. Yet i was informed that there will be no processing charges or what so ever for usage. But i was shocked to receive a credit card statement in the month of May 2014 stating that your previous balance is 561.80 Rs and Purchases/Charges are 609.78 adding up to 1171.58. So when i called back the ICICI employee to verify the charges they informed me at that time that we charge an annual fee of 600 Rs on Coral credit card for corporates which wasnt clarified at the outset. I didnt even receive any hard copy of the initial annual charges which are levied. Again in the month of June ICICI bank sent another statement of 1784.1 Rs which is splitted as :Previous Balance 1171.58 and Purchases/Charges 613.13 adding up to 1784.71. I was forcefully given the card in the month of March 2014 stating that ICICI Bank also gives a gift voucher of 1500 Rs which i havent received yet. Even after zero purchases on my card ICICI Bank has sent me a bill of 1784.71 which i am not ready to pay. Is the bank trying new methods to cheat the customers? Is 600 Rs charged as Late Payment Fee each month? (2 months adding to 1200 Rs till now). Waive off these charges or be ready to face the consequences. More than money it is breach of trust. Cancel my card immediately.I am not interested in such fraudulent transactions Name:Shriket Pai Credit Card Number:[protected] Bank: ICICI

After one month painful harassment final disbursement cheque has been prepared in favour of my name but ICICI bank home loan officials - Ahmedabad - Gujarat are not handing over the cheque to me. Even I have handed over sale deed copy and informed them that Cheque issued to Builder is debited from my account but they are refusing to give me cheque of 6 lacs of final disbursement. Please do the needful.

My home loan account no.:LBABD[protected]

Please also arrange to give me contact no.of home loan chief grievance officer to express serious issue of my problem.


Thanks,

Regards,
Kaumin Pathak

I am facing this problem for long time around more than 1 year almost that the MM charges @ 28.09 INR P.M. Have been deducted while the MM service is already deactivated in my Account no: "[protected]", Name: "Manpreet Singh", Bank: "ICICI Bank", Branch: "Alambagh, Lucknow". In the beginning it was activated by default in my account I don't know how. But after that I have requested so many times by calling ICICI Customer Care, visiting at my local ICICI branch but nothing happened. They (ICICI Executives) ensures me only that the MM charges will not be deducted further from next month but it happened each and very month. I request to pay back all the MM charges deducted till yet. **Screen Shots Attached 1). For Account detail showing MM charges (28.09) deducted. 2). For MM Page that shows the service is already deactivated in my account. Thanks, Manpreet Singh, +91-[protected]

I am an account holder of Doha Bank and work in Doha, Qatar. I had gone to New Delhi in December, 2013 for the medical treatment of my son at Apollo Hospital, Sarita Vihar, New Delhi.
As I needed money to pay the hospital bills, I used my silver colored VISA debit card at the ICICI Bank ATM to withdraw some money. I tried but there was an error and did not get the cash. Then, on the same day, I tried to withdraw money from the Oriental Bank of Commerce ATM at the same hospital and was able to withdraw IR 30, 000/- and later in January, 2014, I returned to Qatar and checked my statement of account and found that ICICI bank had debited IR 10, 000 against the failed transaction.
I communicated with ICICI Bank via email and requested for the CCTV clippings if the transaction had been successful but they could not provide.
Even the senior management desk wrote to me, saying the transaction was successful, which is not right.
Please let me know if anyone can assist me in pressurizing ICICI Bank to credit IR 10, 000 to my account with Doha Bank.
Awaiting your reply.
Thanks & Best Regards,

Yesterday, i.e.[protected] I received a call from a person naming himself as Rahul Gupta, ICICI ATM Head Office, Mumbai. He said that my ATM pin has been locked. So I have to renew my PIN for which he asked me to tell my Debit Card details following which I started receiving messages from ICICI Bank on my registered mobile that various amounts have been debited from your account from various sources. I tried to ask him the reason for this, so he kept saying the processing is being done that is why you are receiving such messages, but actually your amount is intact. He was not allowing me cut the phone and kept me on the phone for 40 minutes and in the mean time around INR 25000 had already been deducted. He said that the ICICI server is down and you may check you balance in the morning. After this, I tried calling the Customer Care of ICICI Bank but I couldn't connect the call. When I woke up today, a total amount of INR 25000 was already deducted in the morning itself at around 5.00 am. Then I reached my nearest branch at 9.00 am and got my card block until when a sum of INR 50, 000 had already been deducted. The phone from which I got the call is +91-[protected]. I would like to know what can be done in this case. Regards Seema Riaz M.No. [protected]

Hello Team ICICI Bank,

After my repeated emails and follow ups and reminders, i couldn't able to get the justified reply from your team, As this is a complete fraudulent case from the bank side, below are the email conversation with the ICICI BANK, i have received only email reply from the bank which can also be seen below..

From me: mail 1. Date: 08.06.2014

Hello Team ICICI Bank,

Bank have honored cheques for the below account number dated 07.06.2014

Name of the account holder: Layeeq Ur Rahman

Account Number:[protected]

Transaction Date: 07.06.2014

Amount debited by cheques: 7857/- INR and 5500/-

Debited to: Bajaj Auto


As there is a dispute between BAJAJ AUTO and me and bajaj auto has been claimed that the signatures on the cheques has been mismatched completely due to some service issues the dispute raised, Now How comes the bank honored the cheque with mismatching signature without even calling or emailing me, I kindly request to hold the above amount and Credit it back to my account ASAP, as i will be travelling on a international business trip i will not be not available on my listed mobile number [protected], you can reach me through email ID: [protected]@gmail.com. Kindly revert me back on this issue, how can the bank honor the cheque with fully mismatching signatures or please provide me the copy of cheques to justify the transactions.

Revert from the bank: RE:'ICICICARE=[protected]' Dated: 14.06.2014

Dear Mr. Rehman,


At the onset, we sincerely apologise for the delay in our response.


This is with reference to your e-mail dated June 09, 2014 addressed to Head Service Quality regarding transaction debit on June 07, 2014.


We are looking into your complaint vide Service Reference Number SR[protected]. We will update the status by June 21, 2014.


We look forward to your co-operation to service you better.


Sincerely,

M DeepaVijayaLakshmi

Office of Head Customer Service

ICICI Bank Limited.

From Icici bank mail 2 dated

Dear Mr. Rehman,

Thank you for your patience and valuable support.

On the basis of Service Reference Number SR[protected]. We will update the status by June 21, 2014.

Amount of Rs 7, 857.00 and 5, 500.00 on June 07, 2014 was debited towards the LAN#4000CD00511971 and LAN#4000CD00521254.

We have enclosed the scan image of the mandate, on the basis LAN has been activated.
The said LAN is registered under Auto-debit mandate. As per the process, the mandate is first registered and then confirmed to BAJAJ Finance Ltd. The debit transaction is executed by BAJAJ Finance Ltd on registration confirmation received from ICICI Bank.

Hence, in this case, the execution of debit transactions was done by BAJAJ Finance Ltd.

For any further reversals or clarifications, we would request you to get in touch with BAJAJ Finance Ltd.

If you want to terminate the policy, then a cancellation request mentioning the LAN number has to be submitted to BAJAJ Finance Ltd or at the branch (mentioning to forward the same to autodebit team at [protected]@icicibank.com).
Branch address :

ICICI Bank Limited
H. No.122823/A/4/12
Gottipati Towers, Main Road
Mehdipatnam, Hyderabad - 500028

We look forward to your co-operation to service you better.

Sincerely,

M Deepa Vijaya Lakshmi
Office of Head Customer Service
ICICI Bank Limited.

Mail revert from me: Dated 18.06.2014

Greetings,

Hello Ms. Deepa,

I thank you for the revert, I accept that the said cheque belongs to my account, but this cheque is very old, as it is not CTS-2010( Cheque truncation system ) and i kindly request you to cross check my signature with the bank records, the signature which has been provided by BAJAJ AUTO is completely different, even in the cheque enclosed and the auto-debit form, So i want to ask how the bank has been taken the request by BAJAJ AUTO and with this mismatching signature records why the bank has been honored the cheque's without even confirming me.

I have taken the dispute with BAJAJ Auto also, for this and they also accepted and agreed that there is a signature mismatch and my identity has been misused by someone else, but this is secondary...

How the bank honored the old cheque without CTS-2010 Standard and with mismatched signature. and for bank mistake or wrong honored why should i followup BAJAJ AUTO for this as you can see the old cheque already with wrong signature on both auto debit form and cheque.

As i am still on a international business trip, i kindly request you to provide me the justified answer and also the further escalation metrics for this issue.


Even though after this i have made several reminders but all in vain. i kindly request the concern team to revert me back for which i will be obliged.

i have an balance of amount 49000 above yesterday. today i have checked that mab charges and check bouncea charges in my account. please make reversal to this amount of charges, i am very harrassed to see all this and i went to my branch in morning where branch manager says... that we will see what we can do... but notsure. so that ihave to go to consumer court also for such fraud.if i was known to this then i will never credited my this account.
my name amit soni, ac. no.[protected]. mobile no. [protected]

Hi, I am having bank account in ICICI avadi branch from last 4 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 SMAB charges on 1. 24/06/2014 MABChgs-Dec13+ST Dr.112.36 2.24/06/2014 MABChgs-Aug13+ST Dr.393.26 3.24/06/2014 MABChgs-Feb14+ST Dr. 494.38 4.17/06/2014 MABChgs-Sep13+ST Dr. 4.49 5 .07/06/2014 MABChgs-Jul13+ST Dr. 83.12 I don't have any mail informing about this SMAB 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 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. "levying of charges without adequate prior notice to the customer" of The Banking Ombudsman Scheme 2006.