ICICI Bank Complaints & Reviews

Hi
All my transactions from ICICI to IOB account done so far is not reflecting in current balance statement. The reason behind this problem is while adding third party details for fund transfer, 5 digit account number has been added which was the account number of IOB when I opened the account. Now IOB bank says, we do not hold any transactions from ICICI and the account number used to transfer amount should be 15 digits. Please get back to me on this problem asap and let me know what needs to be done from my side.

Email : inidha.[protected]@gmail.com

Regards,
Inidha Angellin Y

Credit Card Application #[protected]
Card: ICICI Bank Coral Credit Card
Name: Hormaz Pithawala
Contact: [protected]

An application has been made with ICICI Bank (reference above) in the month of November 2012. The same is still under process and i have not heard anything from the Bank. When i called up ICICI Bank helpline twice in the month of Jan 2013 i was informed that the same is under process. The Bank has not been responsive on the status of the application and now i have been told that i cannot replace my existing card with this new card. The same was clarified by me to the Bank at the time of application and the Bank offcials had agreed for the same. All relevant documents were submitted and the verification process has also been carried out. Hence there is no reason why the Bank should delay the process.
Several reminder mails directed to '[protected]@icicibank.com' and icici.[protected]@gmail.com have been unanswered.
Request you to look into the matter and assist.

Dear Sir,

This is Shiv Kumar Choudhary, 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, 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.
08/01/2013 MABChgs-Dec12+STax 30.9 DR INR 280.90

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.

I was in a shock when i received an sms
regarding the payment remider of my ICICI Credit card. I had applied
for the credit card but after that I received no information from
your side regarding issue or delivery of credit card, neither on phone
or email.

I only received an e-statement on my email id. That too I was unable
to view as it is not accepting the password I am entering as per the
instructions mentioned in the E-Mail. If required I can forward the
statement.

Thus the senario is I even do not know the Credit Card Number and I am
asked to make the payment.

I shall not be liable for any legal or financial action against the non
payment of an undelivered credit card. Futher I am not liable to
pay any charges till the time I receive the Credit card thus the first
statement shall stand as cencelled and no further interest or charges
shall be applied in my next statement.

If above said problem is not resolved I will have to take the matter to Consumer Forum.

i hold a icici debit card, i had 2 use it at hospital for amt of 15000, but req declined stating try again .why is that card do not help in emergency??i tried using 4 times ,but stil req declined .pl help

I have taken a policy from icici prulife.at the time of policy the employee has not given me proper detail.he said that this guaranteed maturity plan which is found wrong when i get the policy bond.i have given my policy bond for cancellation before two month back but still I have not get my money back.kindly do the needful.
contact no-[protected]
Policy no.17112697

Sir my atm card was blocked.kindly unblock the card no.[protected]
yours,
D.JAGADEESH,
ASHOK LEYLAND.

NAME CHANGE AFTER MARRIAGE IN BANK ACCOUNT IS REALLY A BIG PROBLEM. THIS IS MORE HARASSING WITH PRIVATE BANKS LIKE ICICI. I WENT TO ICICI BANK (PHASE 7, MOHALI) FOR ADDITION OF SUR NAME TO MY EXISTING ACCOUNT NAME ON THE BASIS OF MARRIAGE CERTIFICATE AND NOTARISED AFFIDAVIT OF NAME CHANGE AFTER MARRIAGE.
BUT THE BANK PEOPLE BLUNTLY DENIED TO DO THE CHANGES. HOWEVER IN MY VIEW THESE TWO CHANGES ARE SELF EVIDENT IN THEMSELVES. I AM SO CALLED PRIVILEGE BANKER OF ICICI BUT I AM SO SORRY TO BE ASSOCIATED WITH THIS BANK.
THE RULES MADE SHOULD BE CUSTOMER FRIENDLY AND NOT BE HUMILITAING AND DISCOURAGING.

FINALLY I HAVE DECIDED TO CLOSE THE ACCOUNT AND OPEN A NEW ACCOUNT IN NEW BANK. AND THIS TIME NOT AT ALL IN PRIVATE BANK.

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])