ICICI Bank — home loan malpractices

Address: PAN India

Deceptive illegal unethical unfair malpractice ICICI bank has executed in my home loan since 2015 a few as listed below:*) Changing home loan of 2015 to personal loan as interest rate is double in personal loan.*) Sanction of New Home loan as RESALE to grab high interest.*) Excess market rate for property to sanction in higher interest slab above thirty five lakhs intentionally deceptive.*) Cheating with SPECIAL offers at time of loan sanction and grabbing deceptive high interest for decades.*) Evaluating high market rate for property which is only worth the down payment amount made by me. Entire loan is excess amount.*) Interest rate is always higher especially during the CORONA where variance by ICICI is 110% to steal money cruelly even during crisis.*) Sanctioning loan in 2015 for defective property without occupancy certificate and claiming from me on 8 Apr 2025.*) Making wrong calculation in amortization schedule with accumulation of excess amount in outstanding liability making loss cumulative.*) Changing maturity date of Fixed deposit to cause insufficient balance on EMI date intentionally deceptive cheap unethical practice.*) Deducting excess amount as part payment by delaying more than six months on part payment adjustment for intentional loss to me.*) Excess interest rate over and above the ICICI interest rate published in media and much above than RBI Repo rate either.*) Intentional degradation of my credit score by knowing the high score from NeSL intentionally in unethical manner causing defamation.*) Cashback offer declared by ICICI in 2017 is not enforced in my loan till date deceptive and unfair.*) No communication in email or post was shared to hide the updates intentionally causing loss.*) For any complaint I am redirected to branch in person for literal harassment to torcher cruelly to the core by calling police to the branch for their faults with clear proof as they have strong political support by contributing in crores to PM cares and are authorized to cause huge mental agony with no solution till date for any request made in branch or in email as they are intentionally deceptive unethically made by relationship manager to cause loss and agony.*) Delayed adjustment of part payment despite consistent request by more than six months causing loss and mental agony.*) Cheating as computerized processing but several offences are intentionally manually made by each relationship manager expertise in many offences causing huge monetary loss and mental agony.*) Dedicated relationship manager will be assigned and when their expertise offence is completed they will be changed with new manager who is expert in another loss making offence and they can never be communicated again as they will be blocked by ICICI deceptive.*) Property unfit for human living is paid EMI for decades by residing in rental home causing indefinite monetary loss and mental agony.*) Additional charges without receipt are being collected for interest rate reduction but variance spread is increased making interest rate higher causing huge monetary loss and severe mental agony for trap in voluntary payment trusting interest reduction in vain with loss to me in the name of processing charge, switch fees, administration charge etc hidden and never revealed in any statement of accounts.*) ICICI bank cheats the RBI Ombudsman by closing the complaint as internal processes which are all deceptive mal practices that any layman with common sense can understand as illegal.*) ICICI join hands with illegal builder with political influence especially the binamies, to sanction loan only for such property by hiding the legal valuation report from the customer against the transparency that they are entitled to follow. The technical valuation report is fully deceptive illegal and unethical demonstrating unfair trade practices and hence the report is never shared with customer against their capacity of being financial institution acting as corrupted brokers to illegal builders eligible to be penalized and punished for criminal conspiracy and corruption.*) When RBI Ombudsman complaint is made I am penalized with harsh interest and other charges with additional offences illegally and intentionally by ICICI bank even if RBI closes the complaint without any action despite illegal deceptive trade practices proved upfront.*) Tenure is increased without any intimation which can never be identified by any of their loan statements as EMI remains the same.*) The loan sanction team never reveal the charges in written, their oral communication and the charges collected will never have any document proof to steal money illegally and unethically, making me believe that everything is as per RBI and government regulation which is fraud amount collection in lakhs.*) ICICI intentionally never accepts the EMI amount paid in the branch on EMI date to cause insufficient balance and bounce charges to degrade the credit score which is unethical and intentional loss caused by unfair practice.