ICICI Bank Complaints & Reviews

I had applied to ICICI bank for a home loan on 24th May with a specific request that I need the loan by 1st June as my installment payment was due at that time. I was promised the same by agent with a margin of 1-2 days. I submitted all required documents as suggested by bank representative (Mr. Vimlesh Tripathi) on the same day and my wife signed as a co-applicant on 27th May. I was told that I need to provide a cheque of INR 6197 towards administration fee which would be encashed once loan is reimbursed. In the first week of June I was told that my sanction letter was ready but I need to provide an additional document which is a permission to mortgage from HUDA. When I checked with HUDA I was told that they take at least 18 working days to provide such a document and in certain cases it's not even possible to provide the same. As getting the loan disbursed so late defied the purpose of loan I asked ICICI rep that I would like to withdraw the application as I was not aware about this document, I was told that this is not possible and also the cheque which was taken against administration fee was encashed. There are a few points which I'd like to raise here for your kind attention: 1. As initially I was told that me being a privillege banking customer, I don't need to pay any processing fee but in the end the cheque taken against administration fee (which was supposed to be cashed on loan disbursement) was cashed against processing fee. Isn't this unethical and breach of good faith? 2. As I already told ICICI rep that loan disbursed after a specific date isn't useful for me, isn't it his liability to make me aware about any documentation required from a third party which may take lots of time? 3. I was also told that I need to take an insurance cover for which extent and conditions would be discussed once my loan is processed but the sanction letter I got shows an insurance cover of INR 1Lac which is not sufficient for my purpose and was never discussed with me. Isn't this unethical on part of ICICI to take signatures from customers applying for a loan in good faith and then decide and provide a cover on their own for which I have to pay? I've already made representations to ICICI branch (Manager Mr. Sachin Satija), regional head (Mr. Abhishek Banarjee) and head of customer care but to my surprise everyone seems to be supporting this unethical behavior and is not bothered by the breach of trust going on here.

Dear Sir, I Ganesh Baban Shelke, have applied for ICICI chip credit card on 16 June 2013 but till date I have not received any updates regarding dispatch of card. Ten days before, I have received one call asking for credit card delivery but not communicated anything else. I have completed all the formalities like physical address confirmation, email confirmation etc. Your customer care numbers are also not helpful. Kindly update me the status of my credit card. Waiting for your favorable reply. In case of query, please contact. Thanks & Best regards, Ganesh Shelke [protected]

Sir ! I had booked Indian railway ticket through my icici credit card and same was cancelled on August 17,2013. But till today I have neither received mail nor sms of icici credit card division. So kindly confirm the related division to do all the need fulls. Thanking you, Yours Faithfully, R.L.Bhila.

I have taken a demat account with ICICI in 2011 and i was actively using this account in 2011 and 2012. When i took demat account, they offered me a savings account[protected] which they told it is a zero balance account. I have 70K invested in demat account and 4000 plus amount in Saving account from Nov-2012 till date. I have stopped doing day trading and not used this account for last 6-8 months and i see my saving account balance is 400 rs :( when i called ICICI custcare they are telling Min balance per month is 5000. nothing can be done! For any transaction they send SMS, why there were no SMS even after they deducted 400 per month for 8 months? It is pure cheating. This happens only with ICICI...

DEAR SIR, FATE OF TAX SAVING BOND-102003-TSB-ONE DETAILS: OPTION I FACE VALUE PER BOND Rs.5000/- ISSUE PRICE Rs.5000/- DEEMED DATE OF ALLOTMENT 15.12.2003 REDEMPTION DATE 15.12.2006 INTT.RATE 5.60% TAX BENEFIT U/S SEC 88 BOND HOLDER NO.[protected] CERTIFICATE NO.48395 NAME OF BOND HOLDER RAJIV KUMAR NO.OF BONDS SIX **6** DISTINCTIVE NO(S[protected] SCRIP CODE BSE 960873 NSE ICIBK1203 N1

i observed 28 rs were deducted from my savings account twice despite of not using the card on any other bank ATMs and maintaning the account properly. When I google it, I saw many complaints lodged on different consumer portal. ICICI should start giving explanation to all the deductions they do apart from customer's knowledge.

Though I cleared the below mentioned auto loan from ICICI bank still my name is reported as defaulter in CIBIL which is causing inconvienece to me have further loan transactions from any bank. The details are given below; Name: Pathivada Rajarao Address: Challavani Thota village Rellivalasa post Poosapatirega Mandal Vizianagaram (Dt) Andhra Pradesh-535204 Loan A/c no. LQVNM[protected] NOC issued date: November 30, 2009 Please report me if there any discrepency in the loan clearance and resolve Thanking you

Hi, I am the home loan holder of the loan with a/c no: LBVPM[protected]. I was able to increase the EMI upon my wish when I was capable of paying it, but unable to reduce it when I am not capable of paying it. Please find the details below: 1. I have taken the home loan for Rs. 21,50,000/- in the year 2007 with a tenure of 20 years. The EMI started at Rs. 23,300/-. 2. In the year 2009, I have requested ICICI to increase my EMI to Rs. 25,000/-. 3. In the year 2010, I have requested ICICI to increase my EMI to Rs. 35,000/- 4. In the year 2012, I have requested ICICI to increase my EMI to Rs. 45,000/- 5. In the year 2013, I have requested ICICI to increase my EMI to Rs. 50,000/-. 6. ICICI has agreed to all the above requests. 7. Now since I am not capable of paying the heavy EMI, I am requesting ICICI to decrease the EMI to Rs. 25,000/- again. For which it is saying that I need to do a part-payment. Even though the EMI is decreased to Rs. 25,000/-, the whole home loan tenure shall still be 11 years only (well below the approved 20 year tenure.) And also, the EMI I am requesting is Rs. 25,000/- which is higher than the initially approved EMI of Rs. 23,300/-. I sincerely request ICICI has to look into the issue and reduce my EMI.

Dear Sir, I have served in ICICI bank from May 2007 to Dec 2010. At time of joining, in my offer letter, it was mentioned that either i have to serve 90 days after resignation or i have to pay notice period amount. I had resigned on 13th dec 2010 with my last working day as 24th dec 2010. I have mailed to HR that they can debit my account for notice period amount. I have served for 3 and half years at ICICI bank limited and now i am not getting relieving letter. Request you to kindly look into matter. My details are as follow : Name : Vishal Dhamsania Emp Code : 160833 Mobile No. : [protected] Thanks & Regards, Vishal Dhamsania, [protected].

Dear Sir, I have worked for ICICI Bank from May 2007 to Dec 2010. As per my offer letter during my joining, it was mentioned that either i serve 90 days after resignation or pay short period served salary. I have resigned on 13th Dec 2010 with last working day as 24th dec 2010 and also informed to HR that they can take remaining short period salary amount from my salary account. I have taken many follow ups but still not received my relieving letter. After serving for 3 and half year, i am not receiving relieving letter. Request you to kindly look into matter. My details are as follow : Name : VISHAL DHAMSANIA, Emp Code : 160833. Mobile no. : [protected] Thanks & Regards, Vishal Dhamsania, [protected]

Hi,



I have an E-Broking account with ICICIDirect which I use on a regular basis. But since last 3-4 months I am getting too many marketing calls from ICICIDirect regarding recommendations etc. which I do not want. I want to be in DO NOT DISTURB mode and only for some genuine and serious action items like KYC/compliance requirements etc I like to be contacted.



Few examples:



1. Few months back a person names Jaskaran from ICICI Bank, Kolkata, Technopolis branch called me and wanted to meet me regarding nomination of my accounts. But when we met all he wanted to discuss is some ICICI Income Fund which is really frustrating.



2. Again few weeks back a gentleman called me and told my ICICIDirect account is idle for long and he wants to meet, in reality I have many SIPs active. Again these kind of calls for just getting attention are really not acceptable.



3. Recently I have started getting calls from ICICIDirect Laketown branch regarding some recommendatioins regarding my existing SIPs, though the intention may be good this time, I will prefer to use my own judgement.





Once more, I want to be in DO NOT DISTURB mode and only for some genuine and serious action items like KYC/compliance requirements etc I like to be contacted.



It will be great if you can ensure the same or I will be compelled to think of my Demat account to any other provider.



Regards,

Ahirjoy Biswas

I like to convey my dissatisfaction towards the ICICI iMobile bank as I would have lost more than Rs. 50 (two times) for activation of ICICI iMobile app. There is a big technical problem which has not been noticed on development of this software. there isn't any problem with GPRS for sure. It is being charged at 3 Rs per SMS sent but if it's not activated the money that we lost is credited to these Bankers. We poor customers loosing our money earned by hardworking and you bankers are getting richer and richer by such ridiculous strategies. Bank can use 10 digit number on which the msg can be sent. so at least we will be charged less for n number for msg sent for activation. Please refund/ credit me some amount so that I will try to activate again.

AUTO DEBITED EVEN THOUGH I PAID CASH... I am D.Deshakumar using icici credit card and my last due date is 20th August of every month....this month my amount due is Rs.18,585.37...i paid cash that is Rs.18,600 on 20th August 2013 around 3:00pm....but next day(21st august 2013) i got a message that Rs.3810 minimum amount has been auto debited from my savings account....So i called the icici customer care no. around 11:10am today(22nd august 2013) and spoke to a person called RAKESH....Rakesh don't know english at all and he never cleared my query and he itself transferred to the other department to block the card...I felt so funny n angry too.... Note: 1.I paid my due Rs.18,600 exactly on 20th august 2013 around 3pm. 2.Even after paying the due they took auto debited of Rs.3,810 on 21st august 2013. THEY MAIN THING IS I AM HAVING MINIMUM BALANCE IN MY SAVING ACCOUNT....AFTER AUTO DEBIT ICICI WILL CHARGE ME FOR KEEPING LOW BALANCE IN SAVINGS ACCOUNT.....SO MY AUTO DEBIT OF EXCESS AMOUNT THEY TOOK IS NOT AT ALL A PROBLEM BECAUSE I WILL USE IN MY CREDIT CARD AGAIN....BUT I REQUEST ICICI NOT TO CHARGE FOR MINIMUM BALANCE BECAUSE ITS NOT MY FAULT AND I PAID MY DUE EXACTLY ON THE LAST DATE.... Name : D.Deshakumar A/C No.:[protected] Mob.No.: [protected]

I have received my ICICI Bank HP Platinum Card which is not even 1 month old after getting written communication from Mr. Pradeep Gulia ICICI credit card department on 25th May, 2013 about the benefits of this cards as per attached document. But after I received card I checked on www.bookmyshow.com to book movie ticket and avail 1+1 free movie ticket offer (as mentioned in attachment), my request was declined. 1. Thereafter I called customer service centre on 29th June,2013 and had discussion with Mr. Tribhuvan who asked me to forward him that email which I received from ICICI bank. Then he gave me 48hrs time to respond back on my query. But after 1 week also I didn’t receive any call from him. 2. Then I again called on 8th Jul, 2013 but since he was not available so his colleague Ms. Shweta attended the call and asked me to forward email to her id and assured call back to me within 24hrs. 3. But I didn’t receive any call from ICICI bank in next 24hrs. 4. Then in the evening of 9th Jul, 2013 I again called back and registered my complaint. But on this day, Ms. Shweta was not present and I again had word with Mr. Tribhuvan who accepted that there has been misleading communication by ICICI bank personal before card issuance. He again told me to discuss internally and let me know the solution but after that I am unable to get in touch with him.

This is regaridng my wife's credit card issue with complaint id RE:'ICICICARE=[protected]' Urgent: Unauthorised transactions on credit card. She is in Germany and her card had been used by some one else to do a couple of transactions( thanks to the less limit she had) and exhausted her limit and left. These transactions appears to be in Russian currency. She is not aware of it immediately after the transactions since she left her phone in India since it would not work there properly. However, when she logged into check bill, she was shocked to see the bill amount and then immediately called the bank from Germany and they blocked the card. They said in 7 days she will be issued new card, which she is scared to use looking at the response from customer care she got for the complaint. They are not willing to take the dispute ahead stating that some 3D pin was used for transaction. We are not sure if it has been used or not so what ever may be the case, when the customer is requesting to deal them as unauthorised transactions, it should be bank's responsibility to listen to that and act accordingly in favor of customer. However, they are bluntly rejecting to help. Its right of their customer to raise a dispute and bank needs to resolve instead of simply saying we dont care as it has been compromised. On reading complaints on this thread, it appears that ICICI security is very weak and easily hackable. When the customer is already irritated with the transactions, ICICI tried their best to torture them to make rounds to police and all for complaining. Indian police system is known for lethargy in such issues and ICICI is trying to beat them on that count. We clearly mentioned that we will not pay for transactions we have not made and bank says we need to pay. Isn't is common sense for bank to stop payments and deal with merchant. I myself faced an issue once with HDFC Bank card but they handled it beautifully and did not ask me to go to police or something. They resolved it in favor of me too since its kind of a fraud deal made by other party. Bank asked them for proofs and when they did not get proper proofs they credited back the amount to card. However, ICICI is not only not willing to help us but also asking us to pay dues in time. Hope ICICI is listening and resolve the dispute.

Respected Sir/Madam, This is Praveen Kumar Chittibabu Privileged customer of ICICI bank Account number:[protected], working for CSC, Mepz Tambaram , Chennai I have opted for Plot loan and got sanctioned my loan tracking ID is 62021656. There after I have produced all required document on the property for Legal and technical valuation. I have also completed Orginal Document verification too. Every formalities where complted , but while issuing check from Credit team they said it would be given only to Sale deed owner and not Power of attorney. I have informed initially about this to Mr.Sukumar and he said check would be given to power holder if we have the receipt from power holder that the entire amount has been given to sale deed owner. I have produced the receipt also. But they were checking and checking after several couple of days and again they said DD would be given only to Sale deed owner and not Power of attorney. So with no option left I have processed with HDFC and got the loan processed and they have given the DD to Power holder name and the property got registered last week. So I would request ICICI to refund the Processing fees collected from me for the loan that I have opted. Please initiate the process as soon as possible. I have sent mail to three representatives n.[protected]@icicibank.com , m.[protected]@icicibank.com,[protected]@hotmail.com First mail on Jul 9, 2013 at 12:50 PM , Second mail Jul 15, 2013 at 7:24 PM , Third mail on Aug 13, 2013 at 11:37 AM I havent got any reply till now from anyone. Also sent a escalation mail to [protected]@icicibank.com Best regards Praveen +91-[protected]

i am a teacher. i already gave complaint to you. i got housing lone no LBDD[protected]. in the year 2004. ICICI lost my original document . RBI Chennai, Banking Ombudsman ([protected]@rbi.org.in)gave last date is august 15th. it passed august 15th still ICICI bank not give original document and recreated document. again and again they doing wrong things... 1.they never give any intimation or letter to us, vice ...compensation,recreation,deed closing,etc... 2.fraudulently they created as my address is 48,ashok nagar,dindigul.6. they sent letters to this address at July 7th. BUT my original address is 1/766,ponnagaram, natham road, dindigul.3 They know this,because hear only my house is built, also ICICI s/b account,ICICIhousing account are maintained this address. 3.i never use ICICI S/B account past 20 months. they deposited automatically 25,000 as (token???) compensation with out any intimation or apology letter to me. sir /mam , please kindly consider my case as early as possible to get back my original document and bulk amount of compensation. thanking you . MARTEEN DURAI RAJ.

Dear Sir/ Madam, I k.thribhneswar reddy having a saving icici account in your bank at anantapur branch, andhra pradesh. My account no. is[protected]. my friend deposited 3465rs. today from another branch. You have deducted 165rs(ANW-Chrgs :150 S-Tax :15). The guy who opened my account told me that till 50, 000rs if we deposit, there will be no charges and we can have no. of transactions from anywhere, but should be within India . So please do take correct action against this deduction and deposit the deducted money as soon as possible.

Sir,

I would like to draw your kind attention that I RAMMOHAN GUPTA , C/o SBI, SMECCC,CHETAK PURI GWALIOR M.P.(MY PRESENT ADDRESS) have purchased ICICI TAX SAVING BOND-022001-TSB of Rs. 10000/- i.e., 2 NO. of bonds 5000/- each on 03/05/2001, the details of particulars are given below

Bond Holder No.[protected] Certificate No. 117657 AND --58
Name(s) of Bond Holder - RAMMOHAN GUPTA
No. of Bonds - TWO (2)
Distinctive No. – 223967 AND --68
DEPOSITORY ISIN : INE005A088G1

SCRIP CODE BSE : 160625 NSE : ICICI0301 N1
Deemed Date of Allotment - 03/05/2001
Redemption Date - 22/03/2004
I regret to inform you that I have not received any information from ICICI about maturity of the bond, REASON IS MY FAULT- NOT TO ADVISE MY CHANGED ADDRESSES .captioned bonds were also misplaced ,which now I have got and are in my possession
I don't know the present status and want to get maturity amount with interest.pl inform the procedure

Thanks for your co-operation

Dear sir,
It is to inform you that myself Subhrakanta dhal having my Salary Account In icici bank , Jamshedpur A/C no.[protected] since 2011.
Sir i have applied for credit card from month of April this year at sakchi branch near Ms. Nitya sinha . I had completed all the formality And also submitted required document Asked by bank executive. But after 4 month still i am not receiving any credit card not getting any status from your bank executive.
Sir kindly do the needful action for the mentioned issue and give me the status.