[Resolved]  ICICI Bank — personal loan preclosure

Address:Salt Lake Sector 1 Branch (ICICI Bank Ltd, Ad59, Sector 1, Salt Lake City, Bidhannagar, Kolkata, West Bengal, 700064

I had a personal loan account#lpcal[protected] with icici bank of amount 420000. I have authorized my wife to foreclose my loan account. On 17/01/19 my wife was visited the icici bank ltd. Ifsc code: icic0006950. I also signed a check of icici bank of account no#xxxxx1546144 for using foreclosure purpose. The bank official denied the icici bank check which was signed by me saying signature is not matching.

Then my wife used her united bank of india check#090389 account#xxxxxxx293068 for the same. After 6 - 7 days later after enquiring got to know that the check has not been cleared by ubi. Please note the account#xxxxxxx293068 has been maintained with sufficient balance. Moreover the united bank of india bank also charged an amount inr 260 for check return.

Next day my wife was visited her ubi bank to investigate the matter and the bank official said that they need the check to provide a reason like why the check has not been cleared. So my wife requested the icici bank to return the check so that she can investigate with ubi bank. The icici bank official said they cannot return the check as per the bank policy.

Finally my wife carried cash as instructed by icici bank and on 29/01/19, after depositing the loan closer amount by cash and the penalty amount of inr 472 for the check return they accepted the application.

Next day 30/01/19 the bank agent again called my wife and said she needs to visit the bank because there is a miscalculation happened and they forgot to add the interest amount of inr 1049 from 17/01/19 to 29/01/19. On 30/01/19, my wife visited the bank for depositing the interest amount of inr 1049 and finally the loan account has been closed.

1. I want the ubi bank check#090389 account no#xxxxxxx293068 currently with icici bank possession to find out root cause.
2. I have been charged inr 472 for check return then why not icici bank would be charged for their mistake as well?

I have already complaint with [protected]@icicibank.com and followed up multiple times but still did not get response on #sr[protected]

Thanks & regards,
Anup
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Apr 1, 2019
Complaint marked as Resolved 
ICICI Bank customer support has been notified about the posted complaint.
Verified Support
Feb 22, 2019
ICICI Bank Customer Care's response
Dear Anup,

We regret the inconvenience caused. Our official will get in touch with you. We appreciate your patience.

Regards,
ICICI Bank Customer Service Team
Feb 23, 2019
Updated by [email protected]
Hi - Please note I am a customer of ICICI bank since 2008. Since then I have no issues with the bank but the recent instance is completely "unethical" and "unreputable" practice that's what I need a resolution for this.

Please cross check my issues again

1) I need the check back which has been given for precloser of the loan. I need to investigate with UBI bank why the check has been bounced. The UBI official said they need the check to tell us why the check has been bounced.

Because of the check bounce, I have been charged by both the banks, ICICI bank as well as UBI bank.

There are many reason, the check can be bounced
a) ICICI bank has been tampered the check.
b) We made a mistake while writing the check.
c) It may be an error from UBI bank.

As a customer it's my RIGHT to find out the root cause of the check bounce and you should cooperate on this. Please take this matter seriously I have been charged for a check bounce and I don't know the reason why it bounce.

2) On 29th Jan 2019 my wife went to ICICI bank branch with cash and paid the loan amount in full and also she got an acknowledgement receipt of payment. Next day on 30th Jan, the bank official called and asked to visit the branch because they FORGOT to add the interest amount from period 17th Jan to 29th Jan.

Here is my concerns, your bank official does not know how to calculate the pre closer amount of a loan? How come he forgot to add the interest amount on 29th Jan when he re-calculated the pre closer amount again. If your bank official is "under performer" I can't help here.

Because of your bank official mistake my wife has to visit the branch again to pay the interest amount on 30th Jan. That day she has to spent INR 500 for transportation. I need that INR 500 back from ICICI bank because it is ICICI bank fault and my wife has to visit the branch again on 30th Jan.

Hope you understand my concerns and provide an explanation on this.
Feb 27, 2019
Updated by [email protected]
I reached out the level 1 and level 2 support and no one trying to understand my concerns and always keep saying the same pre-formatted reply. What king of messy customer service.
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