ICICI Bank Complaints & Reviews

Hi,

I have taken Rural Housing loan on ICICI bank and every time i'm facing issue on IT certificate.

I'm paying the EMI regularly and paid all charges then why not i can get the IT certificate online.


Regards,
Cholanila

Dear Representative,

Please treat my email as serious complaint against ICICI loan department.

I have been cheated by ICICI loan department while loan processing. They made serious false commitment. Please find detail below:


1. While taking loan , I was informed that insurance is mandatory component of loan and based on this , I was imposed with insurance premium on top of my loan amount. As a result of that EMI value is more.

2. Secondly, my registry was due in the last week of september 2012, but Loan value of was dispersed on last week of August 2012 by stating that rate of interest what ICICI is offering is applicable only till August 31st, 2012. Otherwise I would be paying more rate of interest.As a result of that my EMI start date is 29th August 2012.

If you notice , both of above points is case of cheating by putting pressure on Customer. On the same note , I would like to make complaint specially on Mr. Deepak ([protected]) , he works in ICICI loan department. You can also reach him on deepak.[protected]@icicibank.com,

Below are loan detail:

loan number:LBNOD[protected]

I want serious action against ICICI representative and reversal of both points which were Imposed on me for ICICI representative self interest.

Thanks,
Navneet Chaubey
+91-[protected]

I am using your bank's coral credit card, this card has been debited with various charges (INTEREST CHARGES/Service Tax) on 10-Jan-12 & Over limit fee with Service Tax on 11-Jan-12.

I have raised complaint on 12-Jan-12 & 14-Jan-12 twice & both the time ICICI Bank Customer care executive confirmed that these are wrongly debited to me & it is a system error, same will be corrected in 48 hours, but till now it was not corrected in my account.
On 16'Jan I tried ICICI Bank customer care no. & waited for 30 min. to talk to customer care executive but call got disconnected.

I am getting no responce on Customer Care No.

I have face very embarrassing situation while I was using my card & vendor said my card transaction is declined with limit reason.

I have paid Rs.1000/- & Rs.500/- against issuance of my Corel & Platinum Cards respectively & not expecting such blunders from ICICI Bank.

From the last 15days I am trying to follow up with Mr.Gurinder Gill in ICICI Ropar,Punjab branch as he promised to open my PPF asap,but all in vain.Everyday he has a new excuse n ask to wait for 1hour or 1 day n then he stops recieving my calls.I am just tired of all this,I dont have time that i call the bank person 5 or 6 times in a day to ask about my PPF status.Very poor customer service i must say! I want a solution as early as possible because i am going out of country next week.I am a customer of ICICI from last 6years and they dont even bother to attend my calls and explain the problem.I i knew that i will be treated like this,i would surely have moved to some other bank.
My contact no is [protected]

Dear Sir / Madam,

Sub : Cheating and fraud done by ICICI home loan Lower Parel Branch & its executive Mr. Suneel Tiwari.

This is Ashish Bhatt from Borivali , Mumbai.

Few times back I had applied for Home loan with Two banks 1 is Axis Bank and 2 is ICICI Bank.

From ICICI Bank Mr. Suneel Tiwari had approached me for home loan. as an alert citizen first i took and saw his ID proof , which belongs to ICICI 's ( I Process) company.
I put faith on him and Provided him required information asked by ICICI home loan Executive Mr. Suneel Tiwari.
I had visited fair at MCHI property Exhibition during late Nov. 2012. and got instant pre-sanction letter of Rs. 25 LAC from AXIS bank.which wrote processing fees Rs. 5816/- only. I showed this to Mr. Tiwari told him that I have presanction letter.
but with his marketing style and with false commitments, he fooled me and said sir you approach bank with max amount. i will give u good deal and will get sanction and disbursement at the earliest. so he insisted me to give blank cheque.
He guided me to tell Loan req. Rs. 30 LAC during call from ICICI home loan department. I did same.then he disappeared for few days.
he has not followed up with me. so i took call for Loan from AXIS bank. on 22nd Dec 2012 I called up and told him to give me cheque back he said sir unless you don't sign Sanction letter, we will not deposit the money.but suddenly on 26 th dec 2012 morning i got sms from bank stating that cheque No : 528513 amount of Rs. 17416 is cleared from your account. I was shocked, how can he do this to me?. I immediately called up Mr. Tiwari he was answer less. as soon as he realized his mistake he stop attending my call. then after getting frustrated,
i called up his team manager Mr. Mohanty on [protected]. he was out of station so he said you come to my office on 12 Jan 2013. I reached his office. I also called up Mr. Tiwari a day before, and asked him to come to his office.he agreed. but he did not come.
when i called him he switched off the phone. I called him from another mobile no of my friend. he picked up, i asked him where r u he said i m on leave. and hanged up.
I meet and narrated this incident to Mr. Mohanty. I told him to contact Mr. tiwari and ask him to come to office. He called up Mr. Tiwari then Mr. Tiwari replied him that he is at customer's place. Mr. Mohanty asked R u on leave he was shocked to here this and replied falsely. Mr. Mohanty understood that his guy is the culprit. he told me that i will contact my head Mr. Rajesh Virkar and surely will get refund of half of the amount that is 8989/-. and asked me to contact letter. On[protected] I called him up and asked., he said my boss is denying to refund money.

Sir / Madam I have lost My hard earned money Rs. 17416/-. and due to false commitment from ICICI home loan executives I am in to big trouble. Please take necessary steps to get my money back.
below, I have also pasted letter on which I got signature from Mr. Tiwari that he committed falsely. I also took video recording of his acceptance in this matter.
contact persons name and number from Top order to Bottom order.

Mr. Rajesh Virkar - [protected] (Officer who denied for refund)

Mr. Umakant Mohanti - [protected] (whome I meet at lower parel Branch on[protected]

Mr. Suneel Tiwari - [protected] (Executive who took document and committed False promise)

Kindly do the needful.Please reply.

Ashish Bhatt
[protected]
Mumbai


Letter I got signature on
================================================================================...⇄

Dear Manager Sales,
ICICI Home Loan Dept.,
Lower Parel Branch,
Mumbai
Sub : Cancellation and Refund of Home loan process (Appl No: 77l - 91496) cheque amount of : Rs. 17,416/-

This is Ashish Bhatt, Borivali Mumbai. I inquired for home loan and I have come across Mr. Suneel S. Tiwari, having Emp ID of ICICI’s i Process Code : C42590. He came to me and collected signatures on bank application form and said I will do the needful for Home Loan. He also asked me to give blank cheque just to show to the bank that cheque is with him. I never do such sort of practice. However he insisted that sir don’t worry we will not deposit the cheque unless you sign the letter. He knew that I had pre-sanctioned loan from one of the bank. Then I gave him Salary proof, bank statement and HDFC cheque no : 528513. He took those documents and said I will get back to you soon. Few days later I got only call from Mr. Mudassir Credit manager - ICICI bank, lower parel, regarding my work experience salary income, which I have answered as per his requirement. After some days I enquired him regarding the status of loan progress and enquired again for cheque. He said sir don’t worry without your approval and sign we can’t deposit the cheque. On 26th Dec 2012 I got message from bank stated cheque of Rs. 17,416/- has been deducted from your account. I immediately called up Mr. Tiwari and asked him about cheque. He was clue less and I told him to connect me to his boss. After some time he connected me to Mr. Balwant Singh, Team Sales Manager from ICICI Home loan Dept. at lower parel. I asked him how you can deposited the cheque without approval and without giving full service. He said we will do the disbursement after legal and technical documents to be submitted. He was more in to bargaining then explaining. Being employee Mr. Tiwari has promised me on behalf of bank that cheque will not be deposited unless I sign the sanction letter or any document. Sir My point is that bank has only called me once for income related inquiry. Nothing else. They have not given me any other services except document collection and one simple telephone call.
Due to false commitments and such a bitter experience from such a famous bank, I would like to cancel all my application for home loan. I would like to request you to refund my amount of Rs. 17,416/- without any further delay and take me out of this mental trauma.
Kindly revert me and refund my money.

From Ashish Bhatt Agreed and Received by
[protected]
(Suneel S. Tiwari)
================================================================================...⇄



--
ASHISH L BHATT
[protected]

This is with reference to call received from your ICICI bank agency from Mobile no-[protected]. Today I received call from this number. Lady from other side is asking me for outstanding balance against my credit card about Rs.54,000/- Apprx for card I never used. When I ask for card number she refused to provide the same. I am surprise to know that she have my all details submitted to ICICI bank at the time of taking my ICICI bank credit card at Indore (Card number-[protected]). Then I checked with call center there is no outstanding against my card (Screen shot attached for last transaction). Then I immediately called on above mentioned number again she was telling some wrong address of Indore (Jai ambe nagar) but she didn’t disclose the card number for the same when I asked.

Request you to please take it seriously to investigate the same. I doubt someone is using my name and other details and doing fraud.


Regards,
Pradeep Pandey
[protected]

With due respect I would like to inform you that I was very fond of services what you are providing with your bank. I have following two accounts with your bank (Cyber Green Branch) apart from my saving account[protected]

1. [protected]:OD
2. [protected]:FD

My FD account has been matured on 08th Jan 2012. So, I dropped an application for closure of both the above mentioned account on 07th Jan 2012 to get my amount on time. I am sorry to say you that unfortunately I didn’t get back my money till date after doing multiple follow up with Mr. Suraj Bhat (Cyber Green Branch).

Last time I got the similar experience when I closed my another FD of Rs. 1,90,000. 15 days were consumed by the same branch to close my that request. Due to poor service given by your team members I ashamed on myself, and trying to transfer my FDs to some other bank.

So, I would like to request you to take this issue seriously and check out your services to find the loop holes. I hope, the steps which you would take in this regard will resolve my issue immediately.

ICICI bank people calls you frequently, even you have explained your financial difficulty (or family member death). One or the representative will call you and threatened you about payment.
They make a call to your company/office officials and explain that you are very bad defaulter.
They often call your family members/ relatives.

As per RBI circular RBI/2005-06 / 211 DBOD.FSD.BC. 49/ 24.01.011/ 2005-06 dated November 21, 2005
addressed to the All Commercial Banks / NBFCs (Excluding RRBs) regarding "Credit Card Operations of banks" full copy this is on RBI website.
In page No.2 & 3 of the circular there is clear-cut instructions regarding your information (in case default) no one should share with your family member/office member/relatives or friends.

The are threatening by arguing with you that "NON BAILABLE WARRANT" and police takes you.
In this context, We can send legal notice to ICICI.

No one can issue you a "NON BAILABLE WARRANT" due to non-payment of credit car/personal loan dues.

ICICI people must understand this, They should STOP this non-sense Immediate

(ii) Customer confidentiality
a. The card issuing bank / NBFC should not reveal any information relating to customers
obtained at the time of opening the account or issuing the credit card to any other person or
organization without obtaining their specific consent, as regards the purpose/s for which the
information will be used and the organizations with whom the information will be shared.
Banks / NBFCs should satisfy themselves, based on specific legal advice, that the
information being sought from them is not of such nature as will violate the provisions of the
laws relating to secrecy in the transactions. Banks / NBFCs would be solely responsible for
the correctness or otherwise of the data provided for the purpose.
b. In case of providing information relating to credit history / repayment record of the
card holder to a credit information company (specifically authorized by RBI), the bank / NBFC
may explicitly bring to the notice of the customer that such information is being provided in
terms of the Credit Information Companies (Regulation) Act, 2005.
c. Before reporting default status of a credit card holder to the Credit Information Bureau
of India Ltd. (CIBIL) or any other credit information Company authorized by RBI, banks /
NBFCs may ensure that they adhere to a procedure, duly approved by their Board, including
issuing of sufficient notice to such card holder about the intention to report him/ her as
defaulter to the Credit Information Company. The procedure should also cover the notice
period for such reporting as also the period within which such report will be withdrawn in the
event the customer settles his dues after having been reported as defaulter. Banks / NBFCs
should be particularly careful in the case of cards where there are pending disputes. The
disclosure/ release of information, particularly about the default, should be made only after
the dispute is settled as far as possible. In all cases, a well laid down procedure should be
transparently followed. These procedures should also be transparently made known as part
of MITCs.
d. The disclosure to the DSAs / recovery agents should also be limited to the extent that
will enable them to discharge their duties. Personal information provided by the card holder
but not required for recovery purposes should not be released by the card issuing bank /
NBFC. The card issuing bank / NBFC should ensure that the DSAs / DMAs do not transfer or
misuse any customer information during marketing of credit card products.
(iii) Fair Practices in debt collection
(a) In the matter of recovery of dues, banks / NBFCs may ensure that they, as also their
agents, adhere to the extant instructions on Fair Practice Code for lenders (circular DBOD.
Leg. No. BC. 104 /09.07.007 / 2002–03 dated May 5, 2003) as also IBA’s Code for Collection
of dues and repossession of security. In case banks / NBFCs have their own code for
collection of dues it should, at the minimum, incorporate all the terms of IBA's Code.
(b) In particular, in regard to appointment of third party agencies for debt collection, it is
essential that such agents refrain from action that could damage the integrity and reputation
of the bank / NBFC and that they observe strict customer confidentiality. All letters issued by
recovery agents must contain the name and address of a responsible senior officer of the
card issuing bank whom the customer can contact at his location.
(c) Banks / NBFCs / their agents should not resort to intimidation or harassment of any
kind, either verbal or physical, against any person in their debt collection efforts, including
acts intended to humiliate publicly or intrude the privacy of the credit card holders’ family
members, referees and friends, making threatening and anonymous calls or making false and
misleading representations.

PLEASE READ ABOVE CAREFULLY

Dear Sir,

This is SANJEEV SARDANA, holding an ICICI saving b/a :[protected]. My complaint is related to the minimum account balance charges, that bank has debited from my account without even notifying there policy changes, if any. I get quarterly statements but I have never got any information about the policy changes. I think ICICI bank is not even following the guidelines mentioned by RBI.
It is extremely disheartening that Bank is just debiting hefty amount from their customer's hard earned money , without any intimation through phone or statement or any way.

Who has given right to them to debit the amount without any notice or intimation to the customer? How one can be updated with the hidden rules modification.?

Please find the below details for all the transactions made by bank.
SB5495745 25/10/2012 25/10/2012 MABChgs-Sep12+STax 30.9 Dr 280.90 6,432.78 TBI
SB8616429 09/11/2012 09/11/2012 MABChgs-Oct12+STax 30.9 Dr 280.90 5,707.88 TBI
SB5995714 12/12/2012 12/12/2012 MABChgs-Nov12+STax 30.9 Dr 280.90 4,515.74 TBI
SB5427252 08/01/2013 08/01/2013 MABChgs-Dec12+STax 43.26 Dr 393.26 4,122.48 TBI


Please take some action against this bank for not complying RBI standards / guidelines. And help to get back the debited amount , as there was no proper communication.

Regards,

Hello,
My name is Hema Chetia and i m not your customer neither i want to be. I would like to complaint against your collection agency located it in Rohini Sec - 8, SD Tower, 7th Floor. Two ladies name Anjali and Priyanka abused me for no reason dey called up on my office landline no. evn though i told them Mr. Jitendra's mobile No one week ago still they called me up on my office number which is not bearable and they abused me very badly ( dey use "teri aukat nahi hai manager se baat karney ke by priyankan and anjali is worst den priyanka c abused very badly without ne reason i asked about agencies owner number n dey used slang lagnuage to me even threatend me)which is not gong to tolerate at any cost. I m gong to complain in Rohini police station for my personal safety.

Thanks
Hema
[protected]

My ICICI credit card was fraudulently used for an online transaction via ENTROPAY UK on 12th Jan 2012. Immediately when I called ICICI, they blocked the card but there response to block the payment was irresponsive. They mentioned that they cannot do anything and asked me to lodge a police complaint. They said that the transaction happened with my 3dpin. Am I an to share my 3d pin? The online system of ICICI is so flawed that the 3d pin got hacked. For no mistake of mine, I have to run here and there to lodge complaint, call icici many times but still no proper response. I was an intensive user of credit card and now I have learnt a costly lesson. Thanks to the nonsense bank ICICI for teaching me a lesson to not use their credit card.

NOC for Vehicle
Hi,

This is Rupak Shiriwastav from Gwalior and my Loan was to ICICI Bank, is now completed so i need NOC also to even issue the duplicate copy of the vehicle

My Vehicle number is MP07 MC 6225, can I get the NOC issued immediately.

Regards,
Rupak shrivastava
Gwalior([protected])

Hello (To whom so ever it may concern)

I have several issues with this credit card account of ICICI bank and had tried to settle this account in past[protected], but collection executives employed by ICICI Bank took undue advantage and gave me false commitments regarding settlement. They collected payment from me as installments for settlement and kept posting it as my monthly payments without my knowledge. My fault was that I blindly believed ICICI bank executives who were later found following unethical banking practice throughout the country. All my last payments reflecting on my account were the installments paid for settlement, but I was been fooled by the collection agency to achieve their targets. It was recession period, during same period I had settled 4 other credit cards but only ICICI credit card account wasn't settled, merely due to immoral collection executives employed by ICICI bank.

After couple of months collection agencies started calling me for payments. I was under impression that my account was settled and by then my account kept accruing following charges each month:
1) Late fee
2) Service charge for Late fee
3) Overlimit charge
4) Service charge for Overlimit charge
5) Finance charge / Interest
6) Service charge for Finance charge / Interest

Further ICICI collection agents started calling my residence number and started using threatening and abusive language. They discussed my account with my other family members, threatened to harm me and breached bank agreement with the card member in all the possible ways. I even contacted banking ombudsman and wrote mails to ICICI collection department and calls stopped for some time.

Meanwhile I also received a letter for approval of a loan from ICICI bank, which I never applied for. I reported it to ICICI bank and requested details of it but to no avail. I am sure even this was one of the initiatives of bank executive employed by ICICI Bank who had collected my documents during settlement.

Now since past couple of month (after almost 2 years), collection executive employed by ICICI Bank (call’s herself Snehal) started calling me again for the payments. She wanted me to pay 29000/- more to settle the account. Many a times she would use abusive language with me and my family members, she even called me beggar, psycho, cheater, fraud etc on multiple occasions. She even called couple of my neighbor and started harassing them for my details. Later this collection executive even called one of my neighbor’s daughter (Ms Chuddha) working in Pune (Wipro) and threatened her that she would get her into problems if she doesn’t cooperate. With the issues happening in the country (Ms Chuddha) was so scared that she had to take a medical leave and return Mumbai immediately. Further I pacified her father that there is nothing to worry and she can resume work without any fear. One of my neighbor (Mrs. Dalvi) was been harassed so much by repetitive calling on their land line number whole day, that her family had to call a doctor home to treat her for high blood pressure. All these people ICICI collection agents employed by ICICI Bank were calling and harassing were not guarantor on my account nor they had any account or relationship with ICICI bank, then how did ICICI collection executives availed their phone numbers /details and who gave ICICI bank/executive rights to call neighbors for collection of payments. The motive was clear to create problem in the neighborhood so that card holder would get embarrassed and make the payments, which is a cheap way of functioning for a bank. Best part is that all these things were happening on a recorded line.
I have got a signed letters with respective dates from my neighbors regarding the harassment they received from collection executive employed by ICICI Bank and would register a police complaint against her and the bank.

ICICI bank has caused a mental trauma to Me, My family members and my neighbors.
ICICI bank has spoiled my CIBIL records beyond repair.
ICICI bank executives have jeopardized banks reputation and my financial standing.
I have been harassed, humiliated and traumatized by the recovery agents employed by ICICI Bank.
It has caused me great embarrassment in my society and spoiled my reputation.

I received a mail from Collection manager Jatin Shide dated 9th Jan, 2013 and asking me to settle the account on or before 11th Jan, 2013 for 11933/-. When I agree to pay, so that I can put an end to this baloney of ICICI bank credit card account, ICICI collection manager tells me that this is a wrong settlement letter that they have sent me. Now when I am trying to speak with this manager, he doesn’t answer the call nor does he reply my messages.

Now I have lost faith in settling this account and want few questions to be answered:
1. Does ICICI collection executive have right to lie and give false commitments to achieve their monthly targets?
2. Does ICICI bank have authority to abuse and threaten people to collect the money?
3. Does ICICI collection agent have rights to unethically avail card member’s neighbor’s information?
4. Does ICICI collection agent have rights to call card member’s neighbors for collection?
5. Does ICICI collection agent have rights to harass card member’s neighbors and to threaten them?
6. Does ICICI bank often send wrong letters for settlement to the customers?
7. Will my CIBIL records be cleared which has been spoiled because of ICICI lousy executives?
8. Will I get justice and compensated for the trauma I had gone through due to unethical business practice followed by ICICI bank executives?
9. Will I get any written explanation and apology from ICICI bank?

I need an escalation in this case and would like to get a favorable resolution to this issue, falling which I will be forced to take further course of action.

Regards
Sunil Dimble
ICICI Card Account No. [protected]
Contact: +91.[protected]
Email: [protected]@live.com

Account Number :[protected]
Branch Name : 6315
Bank ID : ICI


My Complaint : ICICI Bank had deducted money from my balance without sending any notification on my mobile and they did it couple of time in this month...so i need a clarification why this thing is happened to me.

here is the details :

1.SB235712 14/09/2012 MABChgs-Jun12+ServTax 30.9 Dr 280.9
2.SB6033519 12/12/2012 MABChgs-Nov12+STax 30.9 Dr 280.9 3.SB5469980 08/01/2013 MABChgs-Dec12+STax 43.26 Dr 393.26


If i didnt get any response within this month than i will made a complain to RBI and i will switch to a different bank.

From
Mr. Ravi Kiran Goda
PlotNo:58,59,Flat No:301
Maruti Lake View Apartments
Pragathi Nagar
Kukatpally
Hyderabad-500090
Mobile : [protected]

I'm receiving threatning calls from this number [protected]...... And they are using the abusive languages. They are calling on official numbers which has no relevance to the matter... If such is the case with ICICI bank then i'm sure u r loosing your brand value from your customer and i think they are your third party collection vendors for sure....

Regards:
Ravinder
[protected]

Hi,

I was holding few HDFC top 200 mutual fund units through ICICI direct & at same time I was holding major investing in same mutual fund through HDFC fund.

On 26-Nov-2012 I sold (redemption order) my all ICICI direct units (60.253) through ICICI Direct website. System accepted order & it was about 12986.57 INR. Please see ICICI Direct Order Page soft copy attached.

However after few days I found that ICICI direct sold all my investment (350.152 units) including all funds I was holding though HDFC fund. Amount credited to my account was 74952.90.

Thus ICICI Direct sold my investment without my permission & knowledge.

I did various follow-ups with ICICI Direct. ICICI Direct accepted mistake, but said its not their problem & its HDFC Funds problem. I contact HDFC fund & they also didn't accept complaint & said you placed order through ICICI Direct so you have to work with ICICI Direct.

Finally after seeing no one is able to help me, I purchased difference of 289.899 units again. However I had to purchase it with higher rates (223.498/unit) from HDFC fund.

I request your help in giving me justice. I am a small investor. I have gone though lot of pain in follow-ups but no one is entertaining my issue.

I seek amount Rs 6,000/- from ICICI direct for my loss, my phone calls & time I had to put in this matter.

I have attached all docs here.

LOGIN ID: PRABHQ99
ICICI Direct complaint numbers: SR[protected] & SR[protected]
Folio number from which units were sold: 6237749
Folio number in which I made purchase after no useful response from ICICI/HDFC: 6564470
Sell Rate: 213.377
Purchase Rate:223.498/unit
Direct Loss: 289.899 * 10.121 = 2934

i am Rajendra Bhat.From Nagpur ( [protected]) i have a salary account in ICICI Bank A/c No.[protected] from Last 10 years. i am Internet banking user. i don't know who are debit the Transaction on Dated 10th Jan 2013 by Transaction ID as under.
1 ) Rs. 13641.37 - VIN/FACBOOK.CO/[protected]/1
2) Rs. 151.37 -- VIN/OUR THREES/[protected]/1
3) Rs.13570.72 -- VIN /FACEBOOK.CO.[protected]/0
4) Rs.58.13 - [protected]/1

above all transaction is fraud transaction. so we are requested to you please find that and credit all said amounts in our Bank account. as early as possible

Thanking You

Rajendra Bhat

[protected]

encl: police report

Team Icici Bank,

On Jan 9, 2013, I made an online payment of Rs. 786.52 to Airtel..

The transaction details are below:

Biller Details
BPC - Bill Desk
E 510 CRYSTAL PLAZA
NEW LINK ROAD
ANDHERI (WEST) - 400053

Customer Details
AIRTEL_MICI[protected]
Payment Details
Payment Id [protected]
Amount (Rs) INR 786.52
Date of Payment 09/01/2013
Payment Status Success
Payment Remarks Jan 9 2013

This payment was not acknowledged by Airtel. The page displayed after payment was as follows:

Transaction Status : Sorry, Your airtel fixedline/broadband bill payment of Rs 786.52 failed since payment is declined by your bank due to any of the following reasons :

- Inaccurate card/account details entered

- Insufficient balance in your account

- Due to Some Technical Problem

Please check your bank account before initiating another transaction
Fixedline/Broadband Number : [protected]
Account Number : 15393404
Transaction Number : 841196
Payment Amount (र) : 786.52

I tried to mail the Airtel customer care about this payment and got the following response today:

Failure NoticeThursday, January 10, 2013 12:57 PM
From: This sender is DomainKeys verified"[protected]@yahoo.com" <[protected]@yahoo.com>

Sorry, we were unable to deliver your message to the following address.

<[protected]@airtel.in>:
Mail server for "airtel.in" unreachable for too long

So, now it is clear that Airtel will not acknowledge this payment since their customer service cannot be reached.

Kindly, reverse this online payment of Rs. 786.52 to my Icici bank account.

Waiting for your response,

Rishi.

Hi,

My name is Mohankumar. Earlier (6 years back) I worked in a HR consultancy. There we took ICICI bank for salary account. One of my assistant naming Banupriya got a credit card, without knowing how for 10,000 rupees? I have used her card to get a club membership and repaid her the same. Later I quitted that job. After these many years, the ICICI persons are calling me to make payment for her card !?! They told me they have blocked her account. As I have made some online transactions to her account at that time, they told me they can block my ICICI savings account too which I am maintaining regularly. Is it possible? As I dont know where that lady is, should I make payment for them again?

HI ASHISH,

MY NAME IS UMESH SHARMA AND I HAVE MY SALARY ACOUNT WITH ICICI BANK. SALARY A/C NO.[protected]. I AVAILED A PERSONAL LOAN OF 3,00,000 ON 26TH NOV THROUGH YOUR BANK REPRESENTATIVE "TANVI". SHE SENT YOUR BANK REPRESENTATIVE "VIRENDRA KUMAR SAHU" TO COLLECT CHEQUES AND ALL REQUIRED DOCUMENTS FOR PERSONAL LOAN. MY PERSONAL LOAN ACCOUNT # LPDEL[protected]. WHEN I SPOKE TO TANVI, I TOLD HER THAT I AM HAVING LOAN REQUIREMENT FOR 5,00,000. LATER I GOT A CALL FROM ICICI BANK STATING THAT MY LOAN IS APPROVED FOR 2,00,000 ONLY WHICH I DECLINED TO ACCEPT. LATER ON, VIRENDER TOLD ME THAT ICICI IS READY TO PROVIDE LOAN OF 3,00,000 PROVIDED I HAVE TO PAY 21,000 FOR INSURANCE COVERING THAT LOAN AND THAT AMOUNT WILL BE REFUNDED TO ME UPON LOAN COMPLETION AND I WILL ALSO GET A RECEIPT FOR THE SAME. I AGREED. WHEN HE CAME TO MY HOUSE TOCOLLECT CHEQUES, HE TOLD ME THAT HE IS NOT SURE TO WHOM THE INSURANCE CHEQUE SHOULD BE PAYABLE AND HE NEED TO CONFIRM THAT FROM ICICI BANK. HE CALLED ICICI MANAGER IN FRONT OF ME AND UNABLE TO GET THROUGH. SO, HE HAD ME SIGNED THE INSURANCE CHEQUE (BLANK CHEQUE) AND TOLD ME THAT HE WILL FILL IT UP AFTER CONFIRMING IT WITH ICICI MANAGER AND WILL SEND ME THE SCANNED COPY WITHIN 24 HOURS. I GAVE HIM MY SIGNED BLANK CHEQUE ON BEHALF OF ICICI AS HE CAME TO MY HOUSE ON ICICI BEHALF.

I DID NOT RECEIVE ANY RECEIPT FOR MY INSURANCE CHEQUE. THAT CHEQUE WAS PRESENTED FOR 22,800 IN BANK OF INDIA. I WENT TO ICICI ALAKNANDA BRANCH FOLLOWED BY GK-II BRANCH FOLLOWED BY GK-I BRANCH. THEY TOLD ME THAT THERE IS NO SUCH INSURANCE COVERING MY LOAN.

FIRST OF ALL, NO ONE FROM ICICI BANK IS CO-OPERATIVE. THEY JUST WANT TO PASS ON THEIR WORK AND NOT WILLING TO HELP IN ANY WAY.

THIS IS REALLY FRUSTRATING.

INITIALLY, THEY TOLD ME THAT NOTHING CAN BE DONE IN THIS CASE. THEN, THEY HAD ME WRITTEN A COMPLAINT LETTER TO GET THE CHEQUE DETAILS IN GK-I BRANCH ON 27TH DEC AND TOLD THAT THEY WILL GET BACK TO ME WITHIN 4 WORKING DAYS, WHICH THEY DIDN'T. I CALLED GK-I BRANCH AND THEY SAID THAT THEY DID NOT GET ANY RESPONSE TOMY COMPLAINT LETTER SO FAR, WHICH I DON'T UNDERSTAND.

IT SIMPLY INDICATES THAT YOU GUYS ARE NOT AT ALL INTERESTED IN HELPING ME OUT.

JUST TO INFORM YOU THAT MY SALARY ACCOUNT IS 2 YEARS OLD IN ICICI BANK. I SWITCHED MY JOB IN JULY 2012 AND I WAS ALSO GETTING OPTION TO HAVE MY SALARY ACCOUNT IN EITHER ICICI, HDFC AND RBS. I MADE UP MY MIND TO CONTINUE WITH ICICI BANK AS MY PREVIOUS EXPERIENCE WAS GOOD WITH YOU GUYS AND I THINK THAT IT WAS MY BIGGEST MISTAKE IN MY LIFE.

I WILL TELL THIS FRAUD CASE TO EACH AND EVERYONE AND WILL NOT REFER ANYONE TO ICICI BANK IN MY ENTIRE LIFE AND I AM ALSO FILING A CONSUMER COURT CASE AGAINST ICICI BANK FOR THIS ON THIS SATURDAY OR MONDAY.

I WILL ALSO SWITCH MY BANK ACCOUNT WITH ANY OTHER BANK ASAP AND WILL NOT AVAIL ANY SERVICE FROM ICICI BANK.

I WILL TAKE YOU TO THE CONSUMER COURT FOR SURE AND WILL ALSO TRY MY LEVEL BEST TO PASS ON THIS CASE TO MEDIA.

I WANT EITHER RECEIPT OF MY 22,800 OR MY MONEY BACK.

FOR YOUR INFORMATION, I AM ALSO GOING TO STOP YOUR LAST 3 LOAN INSTALLMENTS IN LIEU OF MY 22,800.

PLEASE TRY TO FIND IT OUT IN YOUR WAYS AND GET BACK TO ME ASAP, ELSE, WE WILL MET IN CONSUMER COURT.

INSURANCE CHEQUE NO.- 979170

TANVI - [protected]

VIRENDRA KUMAR SAHU - [protected]



THANKS AND REGARDS,
UMESH SHARMA
ENGINEER
CSC INDIA PVT. LTD.