ICICI Bank Complaints & Reviews

I am holding Miracle Card from Centurion Bank of Punjab, (Now transferred to ICICI Credit Card) I did not make any transaction using this credit card & didn't receive the monthly statement for last many years consecutively.

Now suddenly, I have received statement from ICICI Bank stating there is outstanding amount of Rs. 101.73 on this particular card (I am not sure for what this transaction was made for?). The statement shows late fees of around Rs. 500 in the month of Nov'12.
Again, I have received next statement from ICICI bank in Dec'12 stating the total amount due is more than Rs. 1000 (Including additional Rs 500 as late fee for Nov'12.)

Can someone help me understanding, what is going on??? I do not want this card any more and want to close it ASAP.

I am not going to pay a single paisa for this card anyways.....

Dear Sir/Madam,
I have taken a Home loan from ICICI BANK Floating Base they hiked the interest rate day by day they have charged the Interest up to 16.5% P.A.
currently they are charging 16.25% while they are giving the loan to new customers @10.25% to 10.50%.

on what basis they charging such a higher rate from me (existing customer).

I want my All money Back with interest, which they have charged extra from me during my tenure of loan.

I will furnish the loan statement when you required in further communication.

Regards,
Ravindra Bahadur C. Singh
Mob. No. +91 [protected]
Loan A/c No. LBMUM[protected]

To,
Lokpal Officer,

I bought Maruti 800 by borrowing loan from ICICI Bank. I fully paid, received NOC and transfered to the name of buyer. I have all receipts. I migrated to Canada after one month of car transfer to buyer.

Still I am receiving notice with penalties from ICICI Bank.

I contacted to ICICI bank by emails, phones and provided all payment details with copy of NOC but still getting notices.I am getting this notices because I asked for remaining check back but they didn't gave me back until today and issuing notices.



Please found following details of my previous loan account.

Loan Account No: LAHNR[protected]

Vehicle Registration No: GJ 9M 1799 Maruti

Loan Amount: INR 100000.00 (One Lacs only)

Installment Amount: INR 2300.00 (Two thousand three hundred only)

Start Date: Dec 07, 2002

Installment Frequency : Monthly

Mode of Payment : By pre-signed cheque

Bank Name: Sabarkantha DIstrict Co-Operative Bank Ltd.Sabar Dairy Branch, Boria SUB PO , Himatnagar, Dist. Sabarkantha, Gujarat

Final amount paid : 39103.00
Paid On: May 10, 2006
Paid At : ICICI Bank Ltd, Ahmedabad
Receipt No: CL02060P116265

Loan Termination Certificate issued on : June 02, 2006.

ALso I am attaching here with following docs.

1. Loan termination letter
2. Final Payment Receipt
3. Forclosure payment notice
4. Loan Installment schedule

My Home address as below:
Jitendra Patel
216-Shantinagar Society
Gokulnagar, Himatnagar,
Dist. Sabarkantha, Gujarat
ICICI Loan File No: D3/P/138336/15937/LAHNR[protected]
Vehicle on loan was : Maruti 800

My request to take necessary action and keep me worry free from this issue.

Thanks.






Jitendra Patel
512-1915 Martin Grove Road
Etobicoke, ON, Canada M9V3T2
Phone :[protected]
[protected]@gmail.com

The cheque Book sent by ICICI is not delivered to me. Some one phoned me from your office and asked. The address has a wrong digit.
My address is 17-1-260/3 whereas the courier shows 17-1-260/1. I have explained to the lady to deliver at my address. She promised but it is a week now neither the CHQ book is delivered to my address nor it is reached to the bank.
Alternatively You can deposit at ICICI Bank, Santoshnagar Branch. It is nearest branch. I can collect from there.

A call in this regard is highly appreciated.

Respected Sir/Madam,

I am Nikhilesh Ray staying at Vashi, Navi Mumbai. I would like to register a complaint/dispute against missuse of my ICICI credit card.

There were three fraudulent transactions made from my ICICI credit card account number [protected] on dated 26.12.2012. The details are as mentioned below:

1. Transaction of GBP 233.93 is made at www.SPORTSDIRECT on 26-dec-2012 (5:22:53 pm)
2. Transaction o[censored]SD 115.44 is made at ENTROPAY on 26-dec-2012 (4:47:50 pm)
3. Transaction o[censored]SD 188.91 is made at ENTROPAY on 26-dec-2-12 (4:43:40 pm)

As soon as I got message on mobile number [protected] about the transactions, I have contacted ICICI bank customer care and informed about the fraud incident. The ICICI bank employee (Emp number: 218314) has blocked my credit card against service request (SR[protected]. This ICICI employee has informed to file FIR and register complaint to Cyber cell Department.

Hence, I have registered my complaint to the cyber cell department.

Now the transactions are also appearing in the statement. On further raising concern against service request (SR[protected], the customer care says that they cannot help me in this matter as the transaction was done through 3-D authentication, but I have already informed that i have not shared these information anywhere. I want ICICI Bank to take necessary steps to reverse the transaction immediately as I am not liable to pay this amount and the bank is equally responsible for this loss.

Also I have seen in this consumer forum that many of other customers had also faced the same problem.

Attaching herewith the submitted copy of complaint submitted to the cyber cell department.

Please update me on the status of the same.

Thanks for your cooperation.

Regards,
Nikhilesh Ray
+91-[protected]

Dear ICICI Executive,

My name is Bala Gangadhar Naraharisetty,

In March 2008, I was diagnosed with TB and fell behind on my payments on my ICICI loans. I did have a few credit cards at the time and when I was ill, my parents have settled the loans and credit cards.

Today, I have received calls from the Cell # +[protected] claiming to be a Sub Inspector by name Arun Chowdary from Mumbai and that an arrest warrant has been issued against me for failure to appear before court and I would be arrested tonight (28.12.2012) and presented to court tomorrow (29.12.2012).

He gave me the contact number of an Advocate by name Rahul Bharadwaj ( Contact # +[protected].

When contacted, Rahul Bharadwaj informed me that court summons had been sent to an address (Sai Poorna Guest House) in Madhapur. It is not an address where I had stayed ever.

He read out my current address and has my contact details.

I am trying to understand why were the summons sent to a wrong address when you have my current address and contact details.

I am given a credit card # [protected].

In the past I had received calls from ICICI collections claiming that payment is pending on the card since 2008. Since I did not recognize the card number or the contact details registered for the card, I had requested for the details of purchases and transactions, fully intent on settling the charges the card off in case the purchases were mine.

I had never received any details as on today and today I started receiving the harrassing calls that I have to make a payment of Rs. 29,500 /- within an hour or I will be arrested.

I have also received calls about another card ending with number 0005. I am intending to settling the balances rather than have any legal hassles.

All I requested and still request ICICI Bank is to provide the purchase details, so that I can verify and pay them off if they are indeed my cards.

I did have cards from Barclays, ABN AMRO, Kotak Mahindra and I have not had any problems since the settlement. However ICICI seems to be the only one that is giving me this trouble.

Please provide me the details of the purchases to verify and I will settle the balances ASAP if the charges are mine.

You can reach me on my email [protected]@live.com or my cell +[protected]

Thanks and regards,
Bala Gangadhar Naraharisetty.

I went into shock yesterday morning when I realized that my ICICI AMEX Credit Card was fraudulently used in online transaction for over SEK 14300 (Rs 1,20,000) which I have not authorized. They were 5 transactions on websites STRAWBERRYNET.com and www.TOYS R US.SE from 25th December 2012 to 27th December 2012. Most surprising thing is I have not removed that card from my locker since last 1.5 years and definitely nobody has accessed it. I only used that card on ICICI bill pay and once for recharging prepaid mobile that too from ICICI bank website.
Most surprising thing to note is ICICI did not send me email alert for the transactions for first 2 transactions; the first being of largest amount of SEK6095!!!

I have informed ICICI customer care to block the card and raised a dispute charges service request. Hope ICICI do not make me pay for these fradulent charges.

Thanks,
Ganesh

To,
Chairman ICICI

Sub: Fraud done by ICICI bank employee in my account

This is in regard to the fraud done by your employee, Neha, in my account ICICIDirect.com. I had gone to ICICI bank in phase- to get my account updated which was not working properly. Your employee Neha updated the account online. After she updated the account, it still did not work. The password was not working. Then I gave her my account’s password and ID in order to get the account restored. After taking my ID and password she started working from my account without my knowledge. She sold all the shares from my account.

I am an old customer of your bank and as I trust your bank I was not aware of such frauds by your very own employee. As I used to work once in a while from that account so I did not used to check it regularly.

I did not receive any statement ever since I got my account updated by your employee, Neha. She has done a fraud of 70,000 from my account. She has done trainings from my account of Rs 48,780. All the details are attached with this letter. I did not receive any statement about all these transactions as your employee, Neha, had somehow stopped all the statements from reaching.

I came to know about these frauds later when ICICI bank had taken some action against her. She came to my house and told me that if I receive any call from the Bombay bank regarding her then I should just confirm to everything done by myself. She asked me to take the whole blame on me even though the fraud was done by her from my account without my knowledge. At that moment, I went to Chandigarh branch of your bank and got my statements out myself from there. Then I checked all the statements and saw that the frauds as trainings and share transactions were done by her from my own account.

I had just 5 policies. She had done 10 more policies from my account without my knowledge. She took the cheques for these policies by manipulating that a cheque is having some mistake or installments need to be deposited or on the name of my son or daughter and on wife’s name by saying that there needs to be a transfer. As she was your bank’s employee I did not question the bank proceedings. She used these cheques to make new policies without my knowledge. She even stopped the policies and bank papers from reaching my home. The policies never reached me till date in fact.

After enquiring myself, I asked her about the policies. I still did not receive any information about the policies from her. After regularly going to the Chandigarh and Mohali branches of your bank and trying to contact your bank official, Mr. Piyush , who has not given any time to even talk to me about this matter which a very unprofessional and careless attitude as the fraud has been done by your own employee.

I am hopeful you will understand the problems I have been through by your bank and you will return the money I have lost due to this fraud as soon as possible. Otherwise the only option I have is to move to the court or to contact the media regarding this fraud done by the employee of your bank.

Thanking you,

Mr. Satya Pratap Singh
Email Id:- [protected]@gmail.com
Note:- If asked for, i have the soft copy as well as hard copy of the details of policy, trainings and transactions.

Email I'd [protected]@gmail.com

Hello,

I am having account with ICICI for more than 8 years. It was salary account and 0 balance. Till 2009 I never got any deduction from account for any such charges. For last 3 years they have been deducting 827/- every quarter without any notice. This money been deducted even though I maintain minimum balance of 5000/-.

I need all my money back as its never been mentioned to me about such charges and need justification for such step. I am putting this complain in consumer court as well.

Account Number :[protected]

Thanks
Ramesh Rao

I hold a ICICI Bank credit card in 2007-08 and it was closed in 2008 by paying complete outstanding due amount on the card.
In Nov 2012 i got my CIBIL report and still i could see some outstanding amount over due on this card.Then i contacted ICICI customer care executives they confirmed me that there was no outstading due on this card and they are going to update in the CIBIL report.Everyday i am calling them they were saying the same answer to me "It is in process".Due to this wrong entry my Credit score got damaged huge and i don't know whom we have to escalate these kind of issues.

Note:If customer having any dues with the bank they will take it very seriouly and every month they will update the CIBIL without any fail

I want to submit a complaint against a number[protected]/11). We are getting calls from this number in our office and our office employee mobile numbers. They people are using abusive language and disturbing the office atmosphere. They are calling more than 50 times a day for the same. They are discussing the matter on which company have no concern.

Please look into the matter ASAP.

Thanks
Mahesh
[protected]

We are inordinately delayed by the negligence of icici bank in crediting our account for a large payment from Qatar which is already delayed over 15 days ref no Reference :[protected]
this has caused us embarrassment and pain due to liquidity issues

We are planning to file a suit with concerned authorities for covering our loss and to ensure that this does not happen again

MP DOMINIC CO
Linson M DOMINIC

I have been an ICICI Bank Customer from 5 years, so when the time came to choose a Credit Card, ICICI Bank was first choice. Bad Choice I must say!

Since I do freelancing, I searched for Credit Card options suited to my needs. Came across various banks which offered Credit Card against Fixed Deposit, chose ICICI. Made a request to ICICI Bank by opening a fixed deposit on 7th December (SR[protected]. Though it said "Instant Credit Card", i expected a week time to reach it to me(I live in Delhi). Didn’t get it by 17th so made a complaint on Twitter. Finally after a lot of mails and calls(they couldn’t locate Service Request number), got it on 19th(email conversation was with Vinodhini V). Very bad experience, but it was only starting.

Used it for Verification purpose on PayPal and Facebook Ads, which deducted $1.95 and $1.00 respectively. Both amount were refunded within minutes. But when I tried using it on 21st to make payment to Facebook, I got Transaction declined by Bank error. Since I didn’t get any notification from ICICI Bank(which otherwise keeps me spamming on SMS & Email with various services), I tried different variation of address thinking it might be the cause.

My Facebook Ad account got suspended because I kept on trying same card, PayPal too need Credit Card statement for further verification(regular practice from their side).

Finally after unable to even use it on PayTm(Indian company, which doesn’t require address details), I made a call to Customer Care on 24th night. There only I got to know that my card was blocked on suspicion of fraud, by Mr. Vikram Shareef. On asking why I was not informed about the blocked status, he told me that they didn’t have my email address. I asked him to transfer to supervisor. It was then answered by some Ms. Raisa. She couldn’t answer either as to why no notification was sent, but asked me to call next day because they can’t afford a Risk team between 8PM-8AM. Poor bank you know.

So finally I did make a call today(Dec 25) and was picked by Ms. Ruchi. I asked her to redirect my call to Fraud(risk) team. She didn’t, so I asked her to redirect to some supervisor. Came in Ms. Priya Gupta. She said today is corporate holiday and fraud (risk) team is unavailable. On asking why Raisa didn’t mentioned it yesterday, Priya said that she might have forgotten it ( any suprise? ). I asked her if ICICI Bank can’t afford Risk team on holiday but can afford to have them available, She said "no comments"(Well trained, not very helpful to customers though). I believe ICICI Bank thinks anyone below rank of Manager is a machine & doesn’t need off for holiday. Only Manager+ need to celebrate festivals.

So I requested a card on 7th, and on 25th I am yet to start using it. There is almost a certain chance of them offering a replacement card(after reading this maybe), which would mean I would lose my PayPal account (they need statement for Same credit card, I can’t add another card now). The new card would mean another 2 weeks wait(given I complain again) and they might block it again. Cycle continues.

As you might have guessed by now, I want to cancel my card. But even for that I need to wait 48 hours. Poor ICICI Bank, i told you.

So my suggestion is to avoid getting a credit card from ICICI Bank. Go for better options & other banks. ICICI Bank is so poor and given their service, you might lose important time and important accounts, all thanks to fail service by them.

ICICI Bank Credit Card Team is a fraud waiting to happen!

Jatin Sapra
(Twitter - @jatinsapra)

More details:

Tweet after not getting card: https://twitter.com/jatinsapra/status/[protected]

Tweet bringing Credit Card issue: https://twitter.com/jatinsapra/status/[protected]

My suggestion on Facebook: https:// http://www.facebook.com/jatinsapra/posts/[protected]

Hi,
ICICI bank is unnecessarily debiting the sur charges. Kindly look in to the issue and resolve it asap.
Here are my Transaction details:
Sr.No Date Description* Cr/Dr Amount
1 24/12/2012 mps_surcharges_1141_14.12.12 DR INR 11.24
2 21/12/2012 MDU DT _12.12.12 DR INR 11.24

Here are my details:
Email: [protected]@gmail.com

Dear Sir,

With regards it is to bring under your notice that I am getting nuisance calls from ICICI Bank.My name is Mr.Nitin & I am getting calls for Mr.Suhas Joshi who was our Ex-colleague.We always tell the caller that it's a wrong no but in spite of that they continue to call.We normally get a call from below mentioned Nos.
[protected]
[protected]
Every day we get 5 to 7 calls from this No.It's quite annoying.We humbly request you to do the needful immediately.

With regards
Nitin

Subject: (ICICI Bank Ltd, Savings A/C No.[protected],Loan A/c No.[protected],
Demat Details: Client ID:302902,Beneficiary A/C:[protected]

Dear Sir/Madam,
With reference to your letter dated 09.02.2011, our letters and the above, I have to say that your reply is inadequate and attached ‘Exhibits’ are not relevant since:
1) Telegram was not sent but it was said to be sent and that is clearly evident as sent from “ANDHERI (EAST)” to ‘ANDHERI (EAST) whereas all other telegrams are sent to Vashi, Navi Mumbai which you know as you are also, located in Vashi.
2) No such letter as shown and attached as “EXHIBITS” are sent to the sales. Please clarify why these were not done.
In case, you have been given “POWER OF ATTORNEY”, why do you need to send letters and telegrams to inform me under which law.
Hence, you are requested to clarify the above.
Yours faithfully

I have taken personal loan from ICICI bank and loan agreement no. is LPDEL[protected]. I have already paid loan, I have their No Due certificate and my bank statement from where I have repaid loans. After all this I am getting threatening calls from ICICI and at any time they call and asking to pay due amount. When we ask told them that we have paid already and have a proofs which we can show you they told us to visit Videocon tower office and when we went their nobody was there who knows our case and they don't know who is calling us. They don't attend us also when we try calling back from the number which we receive threat calls the number is not available. This is a mental harassment and I request you to take action against ICICI bank on my behalf. My contact no.is [protected]

I have submitted application in month of sept2012 for credit card to ICICI Bank.
without information to me they stopped processing the application.
Then i have sent mail to customer care . Then i came to know they stopped processing because address verification had not been done, this
things did not inform to me.after that they started processing but without genuine reasons given to me they stopped completely processing of my application.
they are not telling anything why they stopped.

This bank has worst customer satisfaction. I don't to Higher official are aware or not but i want that they should aware of this and
this is my rights to know reasons for cancellation.
I want firm actions towards people who handled my request and they are taking things very lightly.

I have all mail chains whenever required i will sent to required authority.

Dear Sir/Madam

I have been ex-employee of ICICI Bank with my employee number 154948. I left my job on 2008. As the recission period the bank didn't gave my no dues certificated. Since then I had been fighting to get a suitable job,but it wasn't there. But in ad mist of this I have been clearing all my dues that were with ICICI Bank. Right now I had been settling my Personal Loan with ICICI bank with number LPCTK[protected] for which I have been paying Rs 25,000 every month.
But to my surprise last week some call came from delhi regarding my some credit card due for which they were not able to tell any credit card number.
Today on 22.12.2012 I got call from a delhi number [protected] which person named Mr.Dalajit Singh claim to be of delhi police. He was rude and he said case has been filed on u/s 409 case number DLA2965/12 on behalf of some State Financial Corporation for ICICI Bank credit card due with last four digit 4003. He gave me lawyer number Mr. H.K. Agarwal [protected] , the lawyer told me to deposit Rs 40,000 today itself or will I will be arrested. I fail to understand why all these when I tried to contact Bhubaneswar Credit Crad manager Mr. Pranay Patra as the card was from Bhubaneswar he was not able to tell or respond to anything.

Hence I request you to please look into this matter as the above mention person are repeatably calling me and threatening me for my arrest and and Mr. Daljit Singh abusing me I have recording of both the person.
As I want to pay regarding the due of my credit card by no one able to give picture about my due or credit card number b ut people are treating and abusing me on your bank behalf.
If this continue I have no other option that to file human right and RBI Ombudsmen cell regarding this.
I once again request you that I am ready to pay provide I am given clear picture about the creit card number and my dues.

Regards
Anup Kumar Singh
[protected]