ICICI Bank Complaints & Reviews

I have tried to debit Rs.100 from Federal Bank ATM on 13/12/2012 but didn't get that amount from the ATM. However, the amount is debited from my account. I have tried to contact ICICI BANK support but unable to reach them. The thing is I was waiting in chat someone to respond but no one was reponded almost 1 hour. Apart from that, I have tried to call the customer care support but nobody picked the phone for almost 15 minutes.So, I disconnected the call. I am really surprsied that I have spent almost 30 to get my amount credit to m y accoun but still no luck. If someone, please check the details

Dear ICICI Team

POSDEC CHG is been debited from my A/C on 16/11/2012 "3" times
Below are the following detail

Date Details Charged
16/11/2012 POSDEC CHG/10-10-12/2868/25ST3 28.09
16/11/2012 POSDEC CHG/06-10-12/2868/25ST3 28.09
16/11/2012 POSDEC CHG/06-10-12/2868/25ST3 28.09

Please guide me for which thing this amount are debited

Regards
Miraz Sarkar ( [protected]@gmail.com )
[protected]

Dear Sir/Madam,

After mailing several times from my net banking Login there is no response I am raising a complaint here.

I got confirmation on cash back payment that my verification is completed (to my phone +977-[protected]) and payment will be done withing a week but still it has not been done. I am not sure from where it is still pending as I have not got any update later.

1) My Details for Make my trip

The details as follows
Booking Date:8th Oct 2012
1. Transaction Amount ====>Rs 13,226
2. Booking ID/Reference Number (details of booking and booking ID number).====>NN[protected]
3. Promo code entered if any.====>ICICIFEST12

I have taken screenshots before I made the payment please refer the screenshots for more proof.

2) Equal Discount Voucher offer : I have done recharge of Rs 250 on my prepaid number on 12th October to avail equal discount offer but it has been 2 months still I have not got the voucher. But offer says within 30 days will be delivered to our mail Box.

Please let me know to whom to ask for these kind of pending/cheated offers? Shall We need to Trust to avail these kind of offers in future?

Thanks

My ICICI Bank credit card was closed in 2004 after making the due payments. after which i never used the card and informed icici bank back in 2005 to close the account. now after 8 years they have started chasing me for 10500/-. They are not able to give me any details around this amount used for and why they have not called me for so many years. Card number is [protected].

Dear Sir/mam
I am parimalam have an account with ICICI Bank, A/c No. [protected],Branch-Whitefiled IITPL, Bangalore Karnataka had lost my ATM Debit Card. My Last transaction was with HDFC Bank ATM at Palaceguttahalli Bangalore-560003 Karnataka, date-27th Dec-2012, time arround 7.30am and the available Balance was 9945/-.The person as used by debit card till amount 1200/- i could see the messages because the phone was with my husban who is not an educated and was there in his mom's place.
There after I h ave complaint with FIR to Vasant Vihar, Neh Delhi dated of[protected]. and also complaint to
ICICI Customer Care complaint ID is[protected].
With the direction of customer care I have sent the required document to DEBIT RECON TEAM, A WING 6th FLOOR, AUTOMN ESTATE, CHANDIVALI FARM, ANDHERI, MUMBAI-400072 by DTDC courier on 03rd Dec-2012, which was delivered to the team on 05th Dec-2012 .
But still now i have not received any call from the concern team. Please help me.

Dear sir,
Please provide status my credit card

I was open icici dirict a/c in 20 days before but I didn't got atm card cheque book and welcome kit please help me

A/C BALANCE DEDUCTED BUT DTH RECHARGE NOT DONE.

Account Balance Deducted But Tata Sky DTH Recharge not Done of Rs 301.

Dear Sir/Mam,
I recharged my Tata Sky DTH Connection with RS. 301 from Net Banking Facility by ICICI Bank on 4th Dec. 2012. my account has deducted by RS 301 and recharge not done also.
Here are some Information regarding to the transaction.-
My Mobile No [protected]
tata Sky DTH Customer ID -[protected]
Amount - Rs. 301
Tata Sky Transaction Id : TY[protected]
Billdesk Transaction Id : MICI[protected]
Bank Transaction Id :.[protected]
Reason for failure : Invalid transaction
Kindly do the needful.

Thanks & Regards
Shiva Gundagi
Mob [protected]

From:

S.Ramesh,
Mobile:[protected]
Email: [protected]@gmail.com

To,

The ICICI Bank
Head Office
BKC
Mumbai


SUBJECT: HARRASMENT FROM ICICI BANK OFFICIALS REGARDING ALLEGED DUES OF CREDIT CARD


Dear Madam / Sir,


I need immediate action and justice from your end. I need to be
answered to the below logical questions which have been raised. I
need to be paid compensation for all my frustrations, mental agony and
loss of work life balance caused by bank’s error.

Based upon your revert and action, It will be decided to take the
matter up with RBI Ombudsman and court of Justice.

This is to bring to your notice and to your immediate action. I am
Ramesh S. Once, I was your credit card customer. I did not use your
credit card services after I had a terrible and miserable experience
with your service and operations.

Please be informed that so far, I have responded to your good bank’s
collection agent’s call regarding the outstanding amount for the card
no [protected] (which I did not swipe) to be paid. So far, I
have been responding so responsively since I have taken Banking as my
bread and butter and also I am a good human being.

Please be informed that I am in great shock and frustrated about your
good bank’s attitude and way of treating the customers and their
confidential data.

Before I explain further, this should be noted that at no point my
credit rating should not affect due to the above dispute. Since I did
not do any credit default and the credit fraud is under investigation.

Could you please explain why this innocent customer should fall prey
to your good bank’s error and irresponsiveness?

Could your good bank provide me the explanations for the below,

Who raised a request to your good bank to give a additional card.

How my confidential data was stolen from your end (Which is supposed
to be confidential). Please be informed that not keeping my data
confidentially is eligible to get your Banking license cancelled.

On what basis add on card (duplicate card) was issued from your good
bank? Who did verify the KYC norms and who did approve the card to be
dispatched?

Who did receive add on card.

Already, one Credit fraud has been acknowledged by your good bank to
rectify the fraud, reversals has been posted. It shows your banks
lack of controls in process. Root cause analysis was not done properly
to rectify the issue.

Could any of your bank representatives, who are so keen to recover
money which was not swiped or used by me, explain why your good bank
not initiated the investigation so far. If initiated, what is the
result? What is the root cause of the problem? Since my data was
stolen, I lost both physically and mentally. Why should I suffer for
your mistakes? On What basis, I have been receiving the call from the
collection agent continuously.

Please find above attached consolidated statements and analyze
yourself. The spending pattern itself shows that the card has been
misused and spent with an intention to cheat. All the transactions
are pertaining to the year 2008. I cannot be a victim for your lack of
control in your operational procedures. So why should I bear and pay
the dues which is not at all pertained to me.

Why should I take responsible for the error happened from your end?
What is the assurance that your bank itself not forged the documents?
Instead of finding the root cause, your good bank wanted the customer
should suffer.

In a nutshell, I was your credit card customer during 2007-08 and the
card number is [protected]. During the same period a new
add-on card was issued in my name without my knowledge. How it
happened (This will be answered by your good bank). The same card was
dispatched to my old address and it was received by some other person
with some other card no: [protected] and the card was used by
some other person.

The same fraudulent activity by someone in my card was accepted by
your bank after I raised a concern to your good bank and all the
fraudulent transactions on that card were reversed on[protected] as a
token of the acceptance and solution for the problem. I believe, your
bank would have done some investigations about that the fraudulent
card otherwise; there is no need of reversing the fraudulent
transactions. It clearly shows your bank’s operational control and in
efficiency towards handling the customer’s confidential data.

I have the proofs for all these reversals happened.

By deeply hurt and after a heavy mental torture I paid the entire
outstanding dues on my Original card for Rs.35760 on 19May2008 further
I paid Rs.4708 on 01July2008, which were the additional charges
(finance charges). After that, I never used the ICICI credit cards as
i am more dissatisfied with the operational efficiency.

After the above mentioned incidence, the same card has been misused
again by somebody else and a lot of transactions have been done
through that card from[protected] to 5-9-2008. Please investigate from
your end since already the same error happened and your good bank
reversed the transactions. It shows me there is huge control lapse in
every aspect of the credit card services.

After a long gap I have received a mail from some collection
department of ICICI Bank and I was told that there was some amount
Rs.77000 is outstanding in my credit card.

I have clearly explained your good bank’s collection agent that I
didn't use the card. It is your good bank’s responsibility to resolve
this dispute and provide me the reasons for all the blunders happened
right from 2008.

Please be informed, I have been working for a reputed and one of your
great competitor Banks for more than 5 Years. I have been using the
credit card services from AXIS as well as HDFC. Your good bank can
have a check and see my credit behavior.

I never showed arrogance towards any of your collection agent’s
telephone calls. I always answered the calls promptly. It is
disheartening that I am suffering for your good banks error. Why
should I?

I need immediate action and justice from your end. I need to be
answered all the above logical questions I have raised. I need to be
paid compensation for all my frustrations caused by bank’s error, loss
of work life balance and personal life.

Based upon your revert and action, It will be decided to take the
matter up with RBI Ombudsman and court of Justice.



Regards,

S.Ramesh,
Mobile:[protected]
Email: [protected]@gmail.com

ICICI Bank is sending bill for a Credit Card No 4443 xxxx xxxx 0003 which is never being used by us.

It is very pain full to pay for which we have never used moreover it effects reputation & Cibil Status ,

Despite several reminders / requests to Bank nothing has been done so far.

Pl. suggest how to get rid of this.

I had opened a RD account in ICICI bank on 31st oct 2011 for an year.
6000 had to be deposited for 12 months and maturity amount was supposed to be 75000.

The amount 6000 used to be debited from my account automatically on every 2 nd of the month.

In first week of october 2012 I called up ICICI executive asking that why my account has not been debited for this month and i was told that i have already been debited of my account the required number of installments and that the amount would mature and be available on 31st of Oct.

Now today I got the maturity amount on callin the bank which was 68,773 only. On inquiring that why instead of the maturity amount of 75000 i have got only this much, I was told that an installement in the Nov month of 2011 was missed to which I asked who is responsible as it has to be debited automatically and i was having balance which the executive also confirmed.
So why did i got less amount if it was not my fault, and why a penalty was charged for that missing installment.
Pls. advice how to proceed with my case.

Zeya Rahman
zeya.[protected]@gmail.com

NON RECEIPT/ NON REPLY OF COMMUNICATIONS

FUND NAME ICICI MUTUAL FUND
SCHEME ICICI-PREMIER
REGD FOLIO PG10087105
CERTIFICATE NO. 00303506 DATED 7th FEBRUARY 1994
100 UNITS OF rS. 10/-EACH...

Dear Customer, Your Ac XXXXXXXX3485 is debited with INR6,221.00 on 03 Dec. Info.BIL*[protected]*VISA#HSB. Your Total Avbl. Bal is INR4,85,985.05.

Above type of msg I getting from last two week.but problem is I dont have any account in icici.

So I request you kindly do the needful asap.

Hi,

I deposited a cheque (HDFC Bank cheque no. 415988 dated[protected] on 05th November 2012 at ICICI bank - Begumpet branch. I called to customer care[protected] on 08th November 2012 for finding the status of cheque. To my surprise I got the revert saying that cheque is been bounced back. There is no SMS or intimation to me till I called the customer service. Service representative confirmed me that the message been sent. I told him that I have not received so he checked in the records and he reconfirmed that message not been sent. (Telephonic conversation on 8th November 2012 may be checked). They told me they will find the cheque dispatch status and call back. It was not done.
My name is Subose Chandra Bose Kunta where as cheque is mentioned as Subose chandra Kunta. I would have given the proof if required and wanted.
On 09th November again I called to customer service on same number and executive could not assist me, hence call been transferred to supervisor. I explained him that the cheque deposit I am doing for a credit card payment. If not done, I need to pay approx. Rs. 3000/- as interest charges. Requested him to find out the status and he confirmed that he will call back after taking the status from back end team. But there was no call back.
On 15th November I received a message by 10:51 AM that cheque been couriered through first flight airway bill no. A15887096. When I was checking online status showing is returned to HUB because of wrong / insufficient address. There was no call received on finding out the address. The address updated in the records is very much correct. Courier agency was not given the call if they have the confusion. When the cheque delivered on 10th November, bank failed to send any intimation through phone or SMS. If initiation would have been given, I would have followed for delivery. But bank team failed to this also.
Again to find out the status I called to customer service again. They don’t have any clear picture on where is the cheque. As per the discussion with Mr. Girish – Supervisor, he will check with backend team and revert back. He arranged call back and told me that cheque can be delivered to base branch immediately, if to be delivered to communication address will be delayed.
On 16th November 2012 evening, I received a call from bank representative that the cheque been delivered to my base branch i.e. ICICI bank – Jubilee hills branch.
I visited the branch on 17th November 2012 and re-deposited the same by showing my PAN Card copy. While updating the PAN card in my account, I submitted a copy of the same. Before rejecting the same, Bank failed to check the records properly. Because of the same I was forced to pay Rs. 2041/- + Rs. 252/- (service tax) to the bank and wasted lot of time communicating for your poor service.
As the problem is from bank end, please help to get the above amount + travelling expenses + telephone expenses and time waste expenses from the bank.

Regards,

Subhash K
[protected]

To, ICICI Bank
Sir/mam, I hold salary account and home loan account with icici bank, due to some overdue charges the entire amount got deducted from my salary account and my account is left with zero balance that too without any prior notice to me. i had issued chqs of electricity (Reliance Energy) and my SBI credit card etc.... My concern is this can be done with easy instalments every month hence the amount of overdue is not more then 32k. But the way they deducte it like m running away or m a big blacklisted customer....Please guide me to escalate this i will also inform to RBI about the same.

Please find my details as Below :

Name : Nilesh Akhiyania
M-[protected]
Salary Account No :[protected]icici bank ltd - vikroli mumbai)
Home Loan No.: LBMUM[protected]

I made a payment for vadodara municipal tax on 4/6/2012 but it is not success done due to server error accured on internet
so i made a payment after few days 9/6/2012.
i generate complait in icici bank on 6/6/2012 but till date not positive responding bank. yesterday i got email from icici senior management thet told to me money had been already credited in biller account and biller told to me money is not credited in vmc account.
please do the needful for refund my money.
my cell no: [protected]
email id: [protected]@yahoo.co.in

please find attached municipal paid details.

From:

Rakesh K. S.
[protected]

November 28, 2012

To,

The ICICI Bank
Head Office
BKC
Mumbai


SUBJECT: HARRASMENT FROM ICICI BANK OFFICIALS REGARDING ALLEGED DUES OF CREDIT CARD


Dear Madam / Sir,

This is to bring to your notice, the harassment, me and my wife have been facing from your ICICI bank officials asking us to pay an amount which as per the bank is unpaid but as a matter of fact had been paid, followed upon and the case duly settled with the bank 6-7 years ago. With respect to the subject matter we would like to put on record the following facts:



(1) My wife, Abhilasha Bajpai, was the customer of your reputed Bank since 2003 and was using the Credit Card issued by your Bank to her somewhere between 2005-06.

(2) In 2006 the last outstanding amount of approx Rupees 15,000/- was paid in cash by us as a regular monthly payment process at your branch situated at Samarth Vaibhav, Andheri (W). We had also asked the officials at your bank that we wanted to discontinue the card for which we were advised that we should inform the ICICI credit card department. Accordingly, we duly informed to the credit card department and also as per the instructions of your officials we had destroyed the card. After a period of 2-3 months we again received a statement from the bank containing the old due with interest aggregating approx. to Rs.33,000/- . We were shocked receive such statement after clearing all the dues. The card was in fact supposed to be deactivated but on the contrary we received a statement after three months of deactivation from our end. We complained about the issue to the credit card department. After several phone calls to the credit card department based out of your Andheri East office, we were asked to get the cash deposit confirmed form your Samarth Vaibhav Bank Branch. We visited your Samarth Vaibhav branch and enquired with your officials about it. After conducting enquiring with us about the approx date of deposit, the branch officers checked and informed us that the amount is reflecting in the suspense account of bank and the same will be adjusted against the payment shown pending in our card and will be taken care of. The officials then also coordinated with the Andheri east branch and the emails were also exchanged and thus the case was settled.

(3) A few months after the settlement of the issue, when there was a cash deposit in my wife, Abhilasha Bajpai’s ICICI Bank savings account (Parent Branch - Raipur) I got to know that the bank has held back Rs.33,000/- (approx) and upon enquiry we were told that it has been held against our credit card outstanding payment. We again coordinated with your credit card department and forwarded them the mails exchanged by the Samarth Vaibhav Branch & the Andheri (E) credit card dept. branch, upon which the held back amount was released.

(4) After all effort from our end to sort out the issue, which is in fact an accounting error at your end, 4-5 years later we again started getting calls from ICICI bank officers asking for the same payment. We once again repeated the entire past history to make them understand the fact of the matter but all in vain.

(5) Needless to say that we have tried explaining to so many different people numerous times and then the next time there is some different person calling us again asking for the payment. The standard statements that we get form these people are that it’s not updated in our system so it does not matter if it was sorted out back then. Then they ask for proofs of the settlement, which were few emails and a slip given from the bank that we obviously did not keep for us after 5 years considering the issue sorted (which it was).

(6) The harassment from these people (so called ICICI representatives) is extreme. They are abusive while talking to us and specially with Abhilasha, they make statements like:

(a) ‘You are a defaulter and elusive case because you have changed your phone numbers’ – We assume it is a free country and we can change our contact number as many times as we like…


(b) ‘We know where you work and where you live’ – what does this kind of threats mean?

(c) ICICI representatives have shown up on Abhilasha’s reception while she was in a meeting. They had come to our residence and spoke to our neighbors while we were not at home.

(d) A lady once called Abhilasha and said ‘I am calling from Nagpur High Court and that a case has been registered against you with respect to the ICICI Credit Card payment, you need to come here immediately for the hearing’ and mind you even this talking was done in a goon like manner.

(e) A guy once called up saying I am a cop calling on behalf of ICICI and you better pay up the money.

(f) Then again whenever the ICICI representatives have called up and we tried to explain the situation to them nicely…they insisted that we pay up ‘something’ a sort of settlement amount and asked us what was the amount that we would be ready to pay? To which we said nothing because we didn’t owe the bank anything.

(g) Abhilasha has been threatened several times, your representatives have also given statements like ‘we will not leave you alone and we will come visit you, we know all your details. We need to close this case as it is the year end for us, it’s better that you settle.’

(h) The harassment has gone to the level of your people calling 70-100 times during the day (from this number [protected]) on our cell phones, home and office landlines and talking in unacceptable manners lot of times.

(i) On 25th November 2012, Sunday, my co-worker based at Delhi got a call from the same number and was told false fiction that Mr. Rakesh & Mrs. Abhilasha are disconnecting our calls after abusing us and then not making payments. Today again while my Delhi colleague was in a meeting he was called 16 times from the same number when he was unable to pick and then harassed again. Also the receptionist at my office got call and threatened by the person from same number and asked her to give him the number of the MD & CFO of my company. The person did call 2 more of my co-workers here at my office and told them similar things.

(j) Similar calls went to Abhilasha’s Delhi office today and the person is telling them that Abhilasha is a fraudster and the company should take action against her and he wants to speak to their CFO and VP-HR here at Mumbai office. Some other female colleagues of her were also called up and spoken to extremely rudely and threatened that they better ask Abhilasha to pay up her loan amount that she had taken 7 years ago. (the story that is told to people is also changed quite often) Besides which the Delhi and Mumbai office is continuously getting harassing calls from the same number.


ARE WE EVEN LIVING IN A CIVILIZED WORLD???


(7) Funny enough this kind of persistent follow-up has been done only this year after almost 7-8 years of the incident which itself is questionable. It seems that this late follow-up on a resolved case is being done intentionally, knowing that we will not have any proof on us and we can be extorted with some kind of money by the agency representing ICICI.

(8) The most shocking thing is that your officials are calling people known to us in our family and workplace and trying to tarnish & destroy our image & reputation by telling them that we are not paying back the money to ICICI which we don’t OWE in the first place!!! And also harassing them. This kind of harassment is a form of Psychological Harassment which aims to humiliate or weaken our morale. We are now in serious trauma and this Psychological Harassment has a demoralizing effect on our mental peace. We are shocked and surprised by the illegal, unauthorized, malafide and dishonest attitude taken by your officers and your agents. All this is very unprofessional and highly unacceptable from a reputable organization such as yours and the entire process of asking someone to revert on a matter as old as this is completely uncalled for.

(9) The aforesaid facts were brought to the notice of your officials/employees/representatives and time and again we requested your officials/employees/representatives to look into the matter and make necessary rectification of the past accounting error that occurred at your end. However we have not yet received any positive response or reaction from the Bank in this behalf. Hence I am lead to believe that we are left with no choice but to file a criminal complain on the ground of harassment against certain officials of the Bank and also knock the doors of the consumer court for the defective services provided by your Bank. Moreover, the Bank shall also be responsible and liable to pay compensation on account of the loss caused to our mental health.

(10) You are well aware of the R.B.I. Guidelines laid down in respect of collection/repayment of dues/loans. Further you are also aware that you are liable for the acts of your agents. Being a Banking institution of immense repute, I, further call upon you to take the strictest action against your officers and agents for their conduct towards me and my wife.

(11) I thus call upon you to restrain your officers and agents from harassing me and my wife, for payment of alleged dues and to stop calling us and also to people known to us in our family or work place. If this conduct towards me and wife continues, I shall be left with no other alternative but to adopt appropriate proceedings against the Bank and its officers at their risks as to costs and consequences, which please note.





(Rakesh K.S.)



CC to:
(1) The Nodal Officer
ICICI Bank Ltd
Bandra Kurla Complex
Mumbai 400051

(2) Senior Officer of Police
Economic Offences Wing
Crime Branch
Mumbai

(3) Senior Officer of Police
Charkop Police Station
Kandiwali (W)
Mumbai 400 067

Dear Sir,

I am having ICICI CR card with I have used for long time in the middle I lost my job because of some personal challenges Now I want to settle down the card dues can assist me for that

Respected Sir / Mam,
I am Sandeep Sharma and have an account in your bank, was also using Credit Card No.[protected].

Some seven years back I was receiving a call from your ICICI Lombard Ahmadabad branch regularly for a mediclaim policy, I was not interested and tried to avoid but the concern person( A lady ) asked me to just listen to what she was saying as it’s her duty to give a report as to many people she calls daily, she also said listening won’t activate the policy, it will be activated only when you will send signed documents, I listened to what she said but never said YES to the policy.

It was somewhere around Nov – Dec 2006, I was transferred to Udaipur in January 2007 and I don’t know how they started debiting installments to my credit card, I was not a frequent user of Credit Card and didn’t came to know about it BUT since the statements were delivered on my previous address 18E / 549 CHB, Jodhpur my brother unknowingly paid the debit amount for 2 months, he was not aware what was it for, he tried to clear his brother’s bill.

I changed my address later and came to know about it then, I went down to one of my friend working with ICICI Prudential Life insurance at Udaipur and he suggested to shoot a mail to customer care to stop the policy if you didn’t agree to it and are not interested BUT you won’t get the refund of the premiums you have already paid, immediately shot a mail from there itself to discontinue the policy.

The premium kept on reflecting in my Credit Card statement BUT I stopped paying, frustrated by the response I stopped using Credit Card. I kept on getting statements of Credit Card and started approaching your ICICI Lombard Udaipur branch to get to know when did I confirmed the policy since they said as per rules you verbal acknowledgement is enough for us…I started going there and they kept on saying we are waiting for some CD from Hyderabad which has your acknowledgement, I visited 5-6 times AND one fine day they said that the CD is there BUT your voice is not clear.

I discussed it with one of my neighbour who is working with ICICI Credit Card, he suggested me to settle some amount else it will spoil your record in “CIBIL”,I agreed and paid an amount of Rs.5500 on 18th Dec 2010 to avoid further HARRASMENT.

Although I have a ZERO debit statement,I AM SORRY TO SAY AFTER ALL EFFORTS MY CASE STILL APPEARS AS A DEFAULTER IN “CIBIL”,my loan applications get rejected based on that and I feel HARRASSED every time.

Please tell me what my fault is, I trusted a BIG name and now feel cheated.

Request you to please do the needful and GIVE ME A CLEAN CHIT IN YOUR “CIBIL”.

Expecting a quick response to RESOLVE MY ISSUE,

Regards

Sandeep Sharma
18 E – 549
CHB, Jodhpur

Dear Sir,

My father lost his ATM pin number, please provide us the new number it will be helpful for us.

A/c no [protected]
mail id [protected]@gmail.com

thank you