[Resolved]  ICICI Bank — fake commitment and did forgery by icici bank home loan sales person

Address:

Thane, Maharashtra, 421201

This is to inform you that, your sales person mr. Santosh shintre emp id - 176908 has given me false commitments and false promises during my home loan process.

Let me first explain the whole situation step by step so that you all get better idea. I hopeyou already aware of this whole matter because this was done in your presence. Because, you are the branch credit manager you might had discussed all the matter with your sales guy.

The things goes like that, the moment when icici bank thakurli branch came to know that i am planning to purchased home as i already discussed with ms nilima jagtap (Cash counter operator) regarding my home loan. She gave me a reference of so called mr. Santosh shintre and also gave his phone no.

Same day i had a conversation with mr. Satosh shintre regarding my home loan but the processing fee and other charges which was told by your sales guy was too high.

But, when i started my payment transaction with seller as i have my salary account in icici bank (My whole family have individual icici silver account in thakurli east branch). The branch had come to know that, i had finalized the property. Therefore, again, i got a call from mr. Santosh and he told me that will be giving you concession in processing fee andwill charge in between (0.25% to 0.31%). Also, he told me that, you have to only pay rs 2500/- of admin fee which should be paid at the time of loan disbursement. On the day of raksha bandhan[protected] he called me and told that i am taking approval for admin fee waiver hopefully you don't have to pay that as well.

As i have privilege account where i should not be charged processing fee but, still i agreed for processing fee.

On 4th of august 2018, mr. Santosh had come to my house and again explain me above rate and interest rate, he clearly mentioned in front of my whole family that there is a scheme going on for 3 days if you applied within this 3 days you will get the interest rate @ 8.55%. I trust him and applied on the same day in evening submitted all the document and signed application form. The documentation part has been done from my side on the same day.

Later, verification process got started, all the things gone smoothly. Here, i want to mentioned one thing, icici bank always talks about digitization always forced us to use mobile app and net banking.

But, during my whole home loan process apart from a single message on my wife mobile i never got any communication regarding my home loan. Not even my sanction letter got release on my email id everything was done offline because you people have an intention of manipulation and the same thing was happened at the end.

My loan was got sanction on 10th of august 2018. But, it was not got release to me. After some days around date 20th-aug - 2018. Again, i got a call from mr santosh stating that your loan has been sanction but, there is a 2 condition mentioned on your sanction letter as follows below,

If you need loan @ 8.55% then your processing fee will be charged @ 0.31%second, if you want to get charged processing fee @0.25% then your interest rate will be @8.65%

But, there is nothing like that, he just convinced me by his # methodology. As i know no bank sanctions such # thing with conditions. Still, he only convinced me to go for 1st option and i did the same. Till, that moment also i did not got my sanction letter. He had kept with him.

After that, i have sent him rs 7700/- for my loan stamp duty and franking charges wherein rs 6000/- is for stamp duty and rs 1700/- is for franking. But he had did the franking of rs 1200/- only.

He had also taken our whole family member signature on disbursement and facility booklet which was not filled (Not even single form is filled inside). I worried what he will write inside that. Because, we trust him and did the entire signature.

Finally, i received my loan the sanction letter on 30th aug 2018. This sanction letter was containing the rate of interest @8.55% but, loan amount was rs 2997313/- which was less by rs 2687/-. I told him i am fine with this amount as well please go ahead with that and also i asked mr. Santosh this latter contains the different processing fee but you have committed me something else. He said this is formal letter. We will not going to charge that we will only charge what i have committed to you. I trust him and said ok.

Later, mr. Santosh told me that he will make new sanction letter of rs 3000000/- and also will add my mother, father and brother name in sanction letter because earlier letter does not contains these details. But, he never mentioned that he will changed the interest rate as well. The very next day he again came in my home in afternoon but forgot to bringsanction letter. Later, again he came in night around 10:30 pm at that time our whole family was busy in janamastmi pooja and the same moment he asked for signature on the sanction letter my whole family did the signature and i was in my bedroom was busy on call my brother called me for signature in the trust i also did the signature. The moment mr santosh step down from my home i referred the sanction letter i realized some forge have been happened because till that time this guys didn't told me anything aboutinterest rate his intention was to take signature anyhow. Within a second i called him regarding this issue but, i was very much surprised that, this guy mr. Santosh is completely changed his behavior he started saying he never committed any interest rate and bla bla things his voice tone suddenly got changed. He was at down stair only but not acted like responsible person he left the premises very soon because his job was done. I never saw a person like this. What kind of person got hired by icici bank?

Today, when i again called him for cheque and asked him why you were stepping back from your words. Again, he is like i never committed anything i asked him to take an oath of his child but he was so ruthless he had not even left his child. I was surprised what people do just for some commission.

I was associated with icici bank for almost more than 10 years as a loyal customer and you people only forge me just for sake of some money. Is that the culture of so much reputed bank? Many of my friend advise me not to go to icici bank for home loan they are worst in that but still i believed in icici and applied for home loan now after this incident i feel they were absolutely correct.

Mrs. Pratibha you are also culprit for the same because sanction letter contains your stamp and signature. You are also involved in this manipulation. What more i can accept from this bank who’s ceo has done a forge with his own bank then forget about his employee.

Last but not the least, request you kindly improve your mistake and issue me revised sanction letter with @ 8.55% interest rate with my committed processing fee which is follows below.

Processing fee nil for previlage account.

If not then 0.31% of loan amount

No admin fee as waiver has been committed from your sales person.

Stamp duty and franking rs 7700/- already paid.

I need this issue should be resolved at the earliest and without intimating me you will not deposit my processing fee cheque otherwise there will be a big consequences.

Just for your information if it doesn't get resolved within a time span i will be escalating this issue to managing directors. If required will approach bank ombudsman and rbi as well.

For your ref, i am attaching my earlier both sanction letter.