ICICI Bank — Useless Bank- Harassment only

Address:	Chennai, Tamil Nadu, 600064
Website:	icicibank.com

Case-1-Attracted by your dubious advertisements in your website, I decided to open Family Accounts with privilege banking feature. I walked into your chitlapakkam branch on 20th March 2016 for this purpose and my problems started here.While I opened a family savings account for my wife (Ranjini Kannan) with an initial deposit of Rs.60000/-, I requested the branch to combine the following accounts for Family account purpose.

My Savings account no[protected]Primary account- which has average balance of not less than Rs.1/- lakh for the last one year!!!
My another Savings Bank Account with chitlpakkam branch.My wife's account.My son's account

Panner Selvam, the executive/ officer-(at Chitlapakkam)- who attended to me, gave some forms which I submitted with photos and proof. He promised that all the accounts have been linked with my primary account as Family accounts and all the accounts have now become Privilege Banking accounts as well, as the cumulative balances as well as individual balances in all the accounts qualify for the purpose. Deceived by his pep talk, I also placed a fixed deposit for Rs.2 lakhs with the branch immediately.However my son's account was not upgraded . Panner advised that my son should apply for Privilege banking through his net banking facility which he did twice. Both the occasions, he got a prompt auto mail of rejection - Not eligible. No body bothered to do anything. At this age ( I am a senior citizen) in this hot climate I had to visit branch almost every week and each time Panner was giving different reasons.During my last visit on 15th April, Panner gave another excuse that my son's account was classified as Salary Account and hence it could not be made privilege banking. He handed out a form to us to be filled, signed, proof attached by my son. He specifically informed that he would collect the filled form from my residence (in Chitlapakkam) on 16th April and would do the needful for making my son's account as Privilege banking.Alas, till now neither the form was collected nor any communication was sent/ no calls were made to me by Panner. The account is yet to be made Privilege Banking account.The Assistant Manager-Vidhya of the branch was not even involving for resolution and after lot of follow up through phone banking, initially she was once connected to inform that the account has become operational. Then a total waning on her side- never intervened at any stage probably it is a walk-in business without any efforts from the branch. The apathetic attitude and approach of the bank is clearly established.Panner was quite happy to respond to my irritated remarks (due to the branch behavior) that I would like to close the accounts, to go ahead with the penalty that would be charged by the bank ( I was prepared to incur the loss )

Case-2-On the same day (20th March 16), i inquired for a credit card for my son. One Peter the executive handling the CC handed out a form which was filled and submitted. He promised that having regard to my credit status, the CC will not be an issue and he would personally take up with the recommendations of the branch for consideration.My son got a mail from the CC department, advising him to confirm a mail from his official id? nevertheless he sent the confirmation from his official mail id. Alas the same mails were repeated from the bank three times and he responded repeatedly. Another mail was sent marking copy to his employer!!! Is this the process when the application was submitted from independent capacity and not as an employee.After keeping the application pending for about a month, a rejection mail was received on 21st April 2016 as not eligible without assigning any reasons. I spoke to Shobhana the officer CC department, who informed that the rejection was on account of duplicity of application and that she would revive this application for process. She also confirmed that she would call me within three days to appraise the status. As usual she did not bother to call back.I called her on 2nd May 2016, when she introduced a new element that due an over due in his educational loan in another bank, the CC application was rejected. That education loan with Bank of Baroda is running in advance payment (before the due date more than the due installments, even lump sum amounts have been paid and the account has no overdue as per the bank confirmation ). Even assuming the reason to be true ( not accepting), why she did not inform this (false) reason earlier? She also made an audacious statement that only if we close the education loan CC application will be considered. We do not need any credit card from your bank as we are not at your service and needing a card at your imaginary terms. There are lots of bank which are eager to issue CCs.

Case -3-One Mr. SUNIL chavria ( sunil.[protected]@icicisecurities.com) was torturing me for almost three months till January 16, for canvassing prepaid brokerage plan, which I eventually switched over. Then onwards neither there is any communication from him (for that matter from any one from ICICI direct) about my portfolio or guidance. Your Chennai branch manager too (who was brought by Sales assistant SANOFAR KANAM ) has not done anything till now for optimising my investments. The advisor guy- KANNAN R[protected]Advisor's Mobile[protected] telephoned me only twice to request me some favour to link his name so that he could some commission?

From the foregoing it is evident that all are cheats in ICICI bank and do not have concern for customer service at any point of time. There are more banks which extend better facilities and customer service. I am forced to think in these lines. I will decide on this shortly.

I am also confident that this lengthy complaint will never get responded nor any action will be taken to resolve my problems.I have to go only to social web sites to give vent to my feelings.