ICICI Bank Complaints & Reviews

Sir, I have written a mail to customer care about false calculation of interest fee & late fee charges. Please see it below. Hi, I am a credit card customer of icici bank. last month I was not in town and got late in paying my bill of 16 K which was due on 26/11, I paid on 03/12. My outstanding which on 03/12 was ~50 K where 45 K was spend on 26/11. However, interest was calculated based on total outstanding for 30 days which is absolutely cheating when the the customer was late for 7 days of 16 K amount, Also, there was a late payment of 600 posted on the top of that. I know that bank can always justify that it's their policy and they can calculate the charges like this, but I challenge this calculation and I am writing this query to you. Also, according to BASEL III norm, Bank can't charge interest and late fee both. I don't know if you are comply with that policy? Please help me ASAP. Thanks, Rajesh [protected]

Hi Team,
This is regarding the ICICI Credit Card bill Payment for the bill generated from Nov 2 to Dec2.
I have used this ICICI Credeit Card for Foreign Online Transaction for purchasing some online products and because of product

dissatisfaction, Merchant has reverted amount of arround 9400 change and credit card bill amount was arround 9020(Which is lesser

amount than Merchant reversed amount) due date of the payment is on Dec 20th.
I have contacted ICICI Customer care once the Credit Card bill has reached to me through email and also intimated them that my

Current Available Credit limit is showing as 40000rs. If the bill is not payed Available Credit Limit will reflect as 30000 change

rupees. Customer care person has confirmed me to not to pay this month bill as because of this Merchant Reversal amount is greater

than the Bill amount and your Available credit card amount Is reflecting as 40000Rs(Which is the max limit of my ICICI Credit card).
Now ICICI Finance Team is torchering me by calling several times to my mobile to pay the bill. I have sent several emails to ICICI to

make them understand this situation.
After several emails to ICICI. I have received a call from ICICI Customer Care ([protected]) and one of the Customer Care Lady. She

has confirmed me that Merchant reversal money is not considered as a payment and they are going to Charge Interest and all sort of

extra taxes for this in my next bill. If i pay the Minimum amount of money of 460Rs now my blocked ICICI Credit card will be activated

again and the extraccharged amount will be reverted back. That too, I should again contact ICICI for this reversal.
Inspite of ICICI Bank Mistake they are demanding/Forcing me to pay the money.
I need justice here and bank should pay for disturbing me several times and making my personal time and life irritating.

Dear Sir's / Ma'am, I have made a request to ICICI Bank for providing E-Statement of period 1 July 2011 to 31 Oct. 2011. In in month of November. Every time they Provide me wrong Statement. and after several conversation with customer care(non toll free) on Std Calls they suggest to send mail with Snap Shot of incorrect statement to customer.[protected]@icicibank.com on 26 Nov.2013. I Had Done the Same . Follows the mail performa, I had Sent... { to customer.care [protected] Forwarded message[protected] From: Ravi Mehra <[protected]@gmail.com> Date: Tue, Nov 26, 2013 at 3:45 PM Subject: Problem regarding bank statement To: customer.[protected]@icicibank.com Dear sir's/Ma'am I am SB account holder of icici bank a/c no[protected]. I Made request several times to provide me bank statement of three months period starting from 1-july-2011 to 31-october-2011 via email as, I am unable to generate it online through icici bank website. But every time Got the mail containing pdf . problem :each pdf was similar and had only one transaction entry of 31-october-2011. where I requested for three months transaction details from 1-july-2011 to 31-october-2011 I had made complaint regarding this several times. but found no resolution. My complaint no is SR[protected]. I am also attaching screen shot of Statement pdf. please verify the same in the attachment section. And please try to find out resolution for my problem as soon possible. Regards Ravi Mehra } By a Call they Assure me for resolution of above subject till 9 Dec 2013. But they not provided the Same till date. Pls. check the Snap shot of Incorrect statement I had Hours long several conversations with customer care on Std Charges for Made them understand same problem every time but no profit I gain. Please consider my complaint and take necessary action to reimburse My time Money and inconvenience they caused me. Thanking You yours Sincerely Ravi Mehra

Hi, I am a ICICI account holder (AC NO :[protected]. I never signed document for privilege banking. And you can show me if any document that I signed it for. I have got shocked on seeing, you have deducted money every month for not maintaining balance of 50000 (transaction name PrivlgMABchgs). Please check and let me know the reason, and return the money back in the appropriate case
Thanks
Arunkumar B

Dear sir/ madam, My son, Master Chinmaya Chandak, is holding savings accounts with your vasai branch where in I am guardian. One sales person for Mutual funds insisted me to invest in by way of SIP in the said account telling me that whenever I want to redeem I have to submit the application in vasai branch only. I started SIP in the said account by March 2010, then in Oct. 13 I want to redeem some of the mutual funds I submitted the application in Vasai branch stating to redeem the units purchased till 12.10.2012, then also all the units purchased till 12.10.2013 get redeemed, I have to SHORT TERM CAPITAL GAIN of Rs. 150/ approx. as the amount was minor I ignored the same by just giving the complaint on the same. In Oct' 2013 I got funds in 4 days after submitting the application. On 12.12.2013 I submitted application for redemption of balance units I hold in another folio, but surprisingly this time bank officials refused to accept the said application, but when I told them in last month only I submitted the application here, then they accepted the form. When till 19.12.2013 I did not received any mail of redemption, I contacted to customer care of icici prudential mutual fund amc, I was shocked to hear that they are not in receipt of the said application till the time. You might be knowing that market is continuously on downtrend, in these span of 7 days, working 5 days the rates of mutual funds got eroded by RS. 2 AND RS. 0.60 RESPECTIVELY (UNITS 675 AND 1250 RESPECTIVELY Then I approached the branch, the official told me that on that day only we refused to accept the said form, now it will take around 15 working days to process. It was just hopeless answer I got, I am privilege customer of the said branch, but I never got the treatment of the same.

Even I too faced the similar issue with ICICI bank.i have been using ICICI credit card for many years. I used to tell my friends about ICICI credit card reward points and it is benefits. Now, it is in work condition and the customer care service they provide is very very worst. I called up customer care more than 10 time times to move my reward points to my payback account (I am not able to redeem it through online). It has been happeinig for past 4 months but nothing has been done till now.(Request numbers are: SR[protected], SR[protected]…more but not noted it down) . I would suggest that nowadays ICICI credit cards customer care dept is providing worst service.

I Mr SS Chaudhuri, have been receiving continuous calls from numbers like 022- [protected], [protected], [protected], [protected] by the name of Manoj Ghanekar, Yogita and Nafiza and asking me to make a payment of Rs 1.18 lacs to them against some ICICI bank Credit card which i had never applied for. They claim that this card was applied by using my documents and was handed over to some other person. I have been continuously requesting them to provide the details of the documents used, copy of the application form and the copy of a courier register to check whome the card was handed over. On asking these they agents / debt manager starts abusing and threatning me stating " mera bap ka company ", " chor", " aukat " and other filthy languages which i will not be able to articulate in this complaint. They started calling my 85 year old mom and my wife and started threatning them by using abusive languages .They have not stopped calling my office colleagues and started abusing them for no fault of mine. They started calling from different There calls are repeated and will call up odd hours. They will never ever try to resolve the issue but will be continously demaninding money . Every time i need to explain my concern and then they will start calling up from different mobile nos and have used rotten filthy and dirty languages which really are unpardonable and not expected from ICICI Bank employees. They also say they are advised to used this languages as the calls are not recorded when called from different mobile nos. They never confirms the address from where they are calling but claims to be the Debt managers only. The language they use are absolutely obscene, vulnerable and abusive . They have even threatned to kill me and my family if i dont pay them atleast Rs 18000. I have been telling them and have shared few correspondences which i had written to the bank but ICICI bank never bothered to response to any of my queries but have alsways chosen to appoint so called gangsters to recover money illegally.. I must say ICICI bank should stop these fraudulent mechanism of collecting by threatning people even when one is not a consumer of ICICI Bank credit card. Firstly they will distribute credit cards on the road what they used to do couple of years back by fabricating documents of people and then they started harrising them whose documents and names were used to distribute credit cards. Such harrassments should immediately be stopped by ICICI Bank and bring a service culture amongst their team members.

Please advise me that, How do I come over this problem.., The Hou`ble Consumer Court took initiative to settlement by passing judgment on my case stating that ICICI said amount to be clear in 2 Installments, I did pay the same amount paid lost year before the mentioned period. Even after 3 repeated remainder gave to ICICI bank costumer care they sent me NOC, but they have not cleared in Cibil and it is showing defaulter for ICICI. Please advise us to overcome the same I have the entire recorded version to produce if needed.

ICICI debited my money 10, 674INR when i was booking my flight ticket in indigo airlines(goindigo.in)...on 21/12/2013 BIL/[protected]/Bill Desk/INDIGO_MICI32 DR INR 10, 674.00 !! but ticket is not booked nor that site dint recieve any money from icici !! My account number is[protected] My account name is--Rachamalla Saimithru ...This thing has happened to me several times with icici bank, ICICI is using this technique to cheat people !! THey will just deduct the money suddenly and use them for some days and then they smartly refund them after weeks !! i want consumer court to take severe action on icici bank on behalf of this matter, and i want my money back as soon as possible please help me, Thanks !! Name: Rachamalla Saimithru H.No.7-5-48, vidhyanagar, jagtial, dist: karimnagar-505327, Andhra pradesh.(you can see that deduction in the proof provided and ticket not booked yet)

This is with reference to the multiple complaints raised against with ICICI bank me towards an transaction happened on 11 Nov 2013. It is dissapointing that i have not received appropriate resolution for my complaint from any of the channels. Please find below the summary of incident :
•On 11th Nov'13 at 1 pm my father has visited nearest ICIC ATM center in Shivam Road, Hyderabad to withdraw some cash.
•Initally he requested for 10, 000 but there was no response from the ATM. He again tried for INR 5000 and the result was same, no response from the ATM.
•He waited at the ATM for 15 min until the next cutomer visited. Another customer tried using the ATM and he was unsuccessful as there was no response from the ATM. My father approached a staff from ICICI direct branch located near to the ATM and he advised that it might be a technical error and generally it gets credited within 6 hrs
•Upon the notification of debit of INR 5000 from my account, i raised a complaint with the customer care and they credited the amount back and mentioned that if they find discrepency they will debit the amount again from my account for which i agreed.
•On 14th Nov'13 the amount of INR 5000 has been debited again advising reversal of the transaction.
•On 16th Nov'13 i visited the ICICI bank at Nallakunta to register the complaint. On 18th Nov'13 i have received a response stating that the they cannot reverse the transaction as it has been paid completed.
•On 19th Nov'13 i visited the branch again to seek help for further investigation into this matter. A written request has been made asking for CCTV footage. I have not received any response till 2 Dec'13 till i visited the branch again.
•Mr Kishore deputy manager updated that the images would not be available due to camera error. I have requested the branch manager to look into the issue as i was confident that the ransaction didnt happen. They advised that they will get back to me with a response.
•There was no response till today and hence i visited the branch on 7 Dec'13 and finally Mr Kishore mentioned that they cannot do anything on this matter. I have requested for the response in writing and i was given in ICICI letter head.
I have been associated with ICICI bank since 3 yearsand i have never registered this kind of complaint. I am confident that the transaction did not happen and hence i request you to look into this matter with appropriate investigation and evidences. The CCTV footage is not working, and there is no presence of security guard at the ATM center. PFB my details
Name - Sridhar Ojha
AMT Center - Shivam Road
Complaint No - SR 55756974 & SR[protected]
Let me know if you need any details. I have all the written acknowledgement with regards to this complaint. Kindly look into this and assist in reversing the transaction. I will wait for your response.

Regards
Sridhar Ojha

Sir, I had Tax saving bond " 022005-TSB-two vied bond holder number[protected] certificate number 78847 in my name i.e MAHENDRA SIRSAT vied Distinctive numbers[protected] option II whose redemption date was 8.4.2010 with face value Rs. 6700 . Consequently to my transfer at Nanded ( Mah.) at present I am working in National fertilizers Limited ( Govt. of India U/T ) at Nanded - 301, Shiv residency Vinayak Nagar Airport Road Nanded 431602 ( M.S) Mobile number - [protected] and my bank account is with State bank of India APMC Branch Nanded A/C number is [protected] I therefore request you to send my redemption value of my bonds to the above address due to mature on 8.4.2010 to enable me to in cash the same . I regretted for the inconvenience caused to you kindly registered and reply the same to my email as earlier My Email id is - [protected]@gmail.com

Respected Sir/Mam, I have taken a Two Wheeler loan from ICICI Bank, which was started from 13/03/2002.Loan agreement No: 2852. The loan as completed on 16/01/2004.repayment was through EMI for Rs.1422.00/- pm. Still I have not received NOC from ICICI bank...Bike Registration No: KA-05-EH-4325, Chassis Number: M1112f113893, Engine No:m1112m115449, I have been visited to the bank for than couple of times the issue doesn't got over. I kindly request you to cancel the loan. PLEASE ISSUE CLEARENCE CERTIFICATE BELOW ADDRESS or mail to this Id sunilr.[protected]@gmail.com or else give a call to [protected] #443 29TH main 8th cross BTM layout 2nd stage Bangalore 560076 Regards Sunil Rajendran

This is with regards to Service Request Number - SR[protected]. A transaction for Rs. 1027 done on firstcry.com through my debit card was cancelled. The amount was however debited to my account. I have contacted the merchant in this regard and they have confirmed that the payment has not been received from their end. Even after a year long chase with the bank, I have still not received a credit for this amount in my account. I have spoken with ICICI bank's customer service and have also emailed all the proofs to them several times but have not received any reply from them. Kindly reverse the amount back to my account. Name – Ms. Divya Vijaykumar Shetty Mobile Number - [protected] Merchant Website : firstcry.com Transaction Date : 30th November, 2012 Merchant Reference Number : 522452LA75162739 EBS Payment ID : 12760750 Payment Mode : Master Card Debit Card Amount : 1027.20

I am ICICI bank Holder A/C:[protected] past two months repeatedly when i am booking tickets from IRCTC, kesineni travels money is debited from my A/C but its not been credited to the second party .When I post a complaint to customer support to ICICI bank they are not responding the issue properly .so some serious action to be taken .

i am holding a icici credit card No. [protected] my payment date is every 20th of a month but i am keep on paying exactly on 18th but each and every time they are deducting excess amount of mine as auto debit even if i pay the amount...at the same time ICICI is not lessen my auto debit amount each and every time..they are taking my money from my account even though i pay credit card amount they are cheating cleaver...

i felt so upset that each and every time we have to monitor icici accounts and payment properly or else they will do like this...again and again we have to raise a mail like this again and again...

D.Deshakumar
[protected]
[protected]

Hi, My name is Rubi, Resident of India. I hold a salaried account in ICICI bank. Unauthorized transactions happened from my account on 16/12/2013. I got first alert message on mobile at 8.40AM saying you have made a Debit card purchase of INR64.73 Info.VIN*PAYPAL. Afternoon at 3.09PM at a time I got 2 messages saying you have made a Debit card purchase of INR2, 717.74 Info.VIN*PAYPAL. I lost 5498/- rupees from my account. Transaction details are attached below. Immediately I tried to transfer the remaining amount to another account. At that time it stopped me saying your Debit card is not active, but for my best information I haven’t blocked my Debit card. I called Customer care immediately. I had to wait for a long time to connect to the customer care. After connecting to the executive I said him my problem. Instead of assisting me he said he has to speak to his senior manager regarding this and he kept me on hold. For a long time he did not return because of which, the call got disconnected automatically. Again I had to wait for a long time to get connected to the customer care. Twice it got disconnected because of ICICI line issues. After having the tough time with the customer care I directly went to nearest ICICI Bank to register my complaint. I went to the complaint section. Even after telling her that it is an emergency she made me wait. Finally, after sometime she took my complaint. But the response which I got from her side was really very poor. No assurance was given to me when I asked for it. She told me that my Debit card is temporarily blocked so I asked her to block it permanently. My account number is[protected] and my Debit card number is [protected]. My complaint reference number with ICICI bank is SR[protected]. I am posting this complaint here with great hopes. Please help me find Justice. You can contact me for further reference or any evidence at [protected]@gmail.com Name: Rubi Saha Contact No: +91 [protected] Current Address: Golden flats Mogapair East Chennai 600058

I had applied Personal loan on 4th Dec 2013 and initiated in same day. My reference number :[protected] Now my personal loan has been decline. Please let me know what the reason for decline. I asked to ICICI Aundh Branch relationship executive, he told me following reason for decline my personal loan request 1. My company (Xpanxion International Pvt. Ltd) not listed in ICICI. [I am totally disagreeing. Before applying I had inquiry about the same from customer care executive. And also reconfirm again before writing this email] 2. My Cibil rating is in negative -1 [I have no any liabilities and no any due payment of any other bank. I have only HSBC bank credit card] 3. My bank record not good [I am not understand this why? For the personal loan amount my salaries is good enough. I am working in IT industry since 6 years back. My current take home salary is 59, 000 for 6 months, before that I was getting 42, 000 take home salary] above all reasons are not convinced me. My following three concern with ICICI: 1. Why my personal loan request has been decline, please let me know in written via email? 2. Please give me back my all document which I have submitted. 3. My salary account in ICICI bank then why bank did not considered?

Hi Team, This is Prabhjot Singh from Bangalore .I have opened a new salary account[protected] in your bank a few months ago.Bank has processed my first salary cheque and after they processed the cheque, I have received a call from your bank saying "We don't open two accounts with same customer name. And they kept my new salary account in inactive state which is having 6000 amount". Though I am having one old account but that is joint account which I am not operating which my family only operating at my hometown at Amritsar. I went to the Bannerghatta branch in order to close my new salary so that I can ask them to give me back my amount and close the new account. But they said they will send the person who collected my docs, before opening the account in order to recollect the same for closing it and also they shared one mobile number.Now its more than a month no one came to collect those docs and when I tries to reach out that number no one picks up the call. Even I tried to close the joint account at my hometown but that manager said "no need to close this account because its hold a FD, you are not operating your family is operating". Kindly escalate my query to the concerned team and help me out in getting my money back.I cant close my joint account because my family utilizing that.In case I need to close my new salary account, I don't have any problem in the same but only I need my money back from that. Kindly escalate it. Regards, Prabhjot Singh [protected] [protected]

I am an ICICI customer for the last 7 plus years and I moved to the US about 2 years ago, I cannot access my online banking or pay my bills because i cannot access my online account without the OTP number. My Indian mobile number is updated in ICICI but no longer exists. I need to update my US mobile number, but i cannot do this online and talking to customer care has not helped at all. Its depressing to see that customers at international locations were not thought of when implementing OTP. Ridicule is, I can't even email to ICICI Bank Customer Care, through their 'so-called' website. It asks to login to my account, which is not possible without an OTP. Please somebody help me to get my US phone number updated or suggest a way to go about getting it updated. Appreciate any help. Thanks

I am an account holder, share holder & Senior Citizen. Yesterday my wife & I (Both Senior Citizens) walked into the Mehboob Studio Branch at around 10.00AM in response to an SMS that was received by my wife regarding submission of KYC information in respect of the Safe Deposit Box held in our joint names. There were 6 executives near the Service counter and just one lady client. We stood there for a while, No one looked at us. No one welcomed us. No one even offered us a seat. One executive lifted his head and we told him that we want to visit the Vault. After some delay the Cashier locked up his cabin and then attended to us. We signed off and waited for the Forms For KYC for the Lockers. The Cashier resumed his position in his cabin and gave some instructions to some staff member, which were not audible and we waited and waited!! I then asked to see the Manager, I was told that he is away on some Seminar/Training. It was only then that some staff member very sheepishly went and fetched the KYC Forms. We are called "PRIORITY CUSTOMERS" God help the Ordinary Customers. Owen A. Dias