Reserve Bank of India [RBI] Complaints & Reviews

I received a mail on 2june 2016 it will wrote has customer services,
The reserve bank of india
Electronic transfer dept, 6, sansad marg, janpath, h. O. 110001-new delhi

Dear beneficiary:

This is to bring to your notice over the latter which we the reserve bank of india have been received from united nation’s insurance life assistance offers, that your name has been short listed as job seekers and retired pension, who have not been working for more than 5 years now, the united nation life insurance if offering you this golden opportunity prize award fund amount of {500, 000.00 pounds} to help your family’s financial problems, which indicated that your name and your email id has been attached with the reserve bank of india, to receive the total sum amount of rs. 4, crore 75, lac, 40, 330.48 indian rupees} and you are now permit to proceed for the claims of the fund by sending your full details below for the release of your fund to your personal bank account with immediate effect.

However a momentous achievement of (United nation’s history is part of the financial empowerment program offers world-wide it's is a struggle to alleviate poverty world-wide mostly for { job seekers and retired pension} we congratulate you and your family in this note of fund rs. 4, crore 75 lac 40, 330.48 indian rupees. That has been approved by the (Un) president mr. Ban ki-moon (Un) secretary-general. And as the reserve bank of india governor, mr. Raghuram govind rajan., i hereby assigned you this notice on your behalf to proceed immediately you receive this mail to claim this sum amount of rs. 4, crore 75, lac 40, 330.48 indian rupees, that was deposited with us by (Un) president mr. Ban ki-moon (Un) secretary-general. This is to notify you and your families that this notice is 100% confirm with the reserve bank of india, ready to be release to you once we receive your full banking details and your data for the immediate remittance of the fund to you without any delay in process.

Please make sure you provide us your bank account below without any mistake.
Beneficiary's name :
Beneficiary's branch name:
Beneficiary's bank name :
Beneficiary's account type :
Beneficiary's account no. :
Beneficiary's branch ifsc code
Beneficiary's mobile number:
Beneficiary's home address:
Beneficiary's sex... Age...
Beneficiary's occupation...
Beneficiary's identity proof:
Make sure you send this detail to this email id: rbi. Service. [protected]@gmail.com


The management director
Dr. Raghuram govind rajan
Rbi governor.
Contact e-mail id: rbi. Service. [protected]@gmail.com
Acceptance
I. _ residing at _,
Have read and understood the above terms and conditions of probation set out herein and i hereby agree to abide by them.

If this real please inform me soon my contract number is.[protected]

Reserve bank of india
Central office,
Shaheed bhagat singh road,
Mumbai - 400 001.
E-mail: foreignn. [protected]@accountant.com
Monday to saturday: 8:30 am-6: 30pm {processing time}.


Re: processing/logistic fee for the transfer of your fund rs 3.35.000.000.00 required urgently.

Dear valued...

Respected Sir/Madam


My ICICI personal loan account number is - LPBNG[protected]

This is regarding ICICI personal loan dispute


I got a call from ICICI bank tele-caller (later came to know that they are ICICI agency Finance budda; but they
introduced themself as calling from ICICI) for any personal loan requirement.

I was in need of 2 lach rupees personal loan. They said that if I go for my other personal loans balance transfer, I shall get
all amount at the rate of 11.99%. I was not aware of balance transfer procedure; they explained it is hassle free, no need
to visit any banks. they only will do the balance transfer internally and there will not be any additional charge from any of the
banks. Since this deal is good for me as rate of interest is getting reduced from other banks interest 14.5% to 11.99% and
I am getting 2 lach rupees cash. I requested 36 months tenure as my other loans are pending for another 24 months.

After the papers process, I got a mail from ICICI to confirm my official address. While replying to that mail, I had
provided my details and asked ICICI to provide the loan details including total loan amount, rate of interest, EMI details
and balance transfer procedure. Also I written a mail to Finance budda asking the above details and specifically mentioned
them not sanction the loan until provide all my required details. Nobody listened my request, but ICICI sanctioned the loan
and send a mail stating tenure is 60 mmonths (instead of 36 months) and rate of interest is 12.99% instead of 11.99%.
They did not mentioned about balance transfer. After a week or so, I got a call from finance budda saying my
bajaj finance loan got balance transferred but for HDFC and HBD loan balance transfer I have to visit the branch.

After that I did not get any more details from them, no responce to my phone calls also.

Then, I visited to ICICI branch at Bommananhalli, Bangalore and identified Mr.Rakesh who is incharge of taking care of
finance budda agency.

He said, that I need to meet Harish in finance budda. Then I contact him, he asked me to talk to Dharmesh in his office.

After several followup I was able to get their responce and appointment and visited to their office.
They said that I need to visit HDFC and HDB to close the personal loans (balance transfer) and there will be pre-closure charge
is applicable at those banks. I was totally shock, initially I several times asked finance budda tele-marketing person
there should not be any charges for this balance transfer from any of the banks, she assured that. Now Dharmesh said
we can not do anything. By the time, the cheques he had at his office was expired. Rakesh told to DHarmesh to come to ICICI
to collect new cheque next week. Meanwhile I raised complaint to ICICI customer care. They asked me to wait for a week.
I did not get proper responce then I started followup ICICI customer care escalation matrix ; they had 3 or 4 level escalations
I sent many mails to each level of escalations, they used to asked me to wait for 10 days, and finally they will reply
saying contact Rakesh for further discussion; I had already met Mr.Rakesh, he always says, we can not do anything.
you have to pay pre-closure charge to other banks; we can not reduce rate of interest; we can not change tenure to 36 months.
He is not accepting ICICI, finance budda side mistakes instead he is forcing me to continue the loan whatever they decided.

If they responded me back at the beginning itself with the details, I could cancel the loan within 15 days time; but they did
not responded in time as well as properly.

Now I am paying EMI to ICICI, HDFC and HDB; but still HDFC and HDB loans are not closed.

And there will be heavy interest I am paying to all the banks and the money is not at all used properly; it is there with ICICI


SO I am helpless from ICICI side; at all level of escalation at ICICI, everybody keep ask me to wait for 10 days, then they
will ask me to contact Rakesh; he does not have any resolution or not ready to listen actual problem.


As per ICICI site, if ICICJ escalation team is not able to solve the issue, I can take the matter to RBI

SO, I got this details and sending this complaint against ICICI.

KIndly do the needful.

My ICICI personal loan account number is - LPBNG[protected]


Thank you
Vadivel
[protected]@cisco.com
[protected]@hotmail.com

My replies in red
On mon, may 30, 2016 at 6:07 pm, shreya khithani wrote:
Dear ms. Puri,

We refer to your e-mail dated may 23, 2016.

At the outset, we sincerely apologize for the inconvenience caused to you.

As discussed today and as informed in our previous e-mail dated april 15, 2016, your complaint has been referred to the chief customer service officer (Ccso) and internal ombudsman of the bank (Appointed on the directive of rbi to look into the complaints) whose opinion is given below:

We find that the bank has levied interest and other charges as per the terms and conditions on which the card was issued.

Since you did not have the card number, it was provided to you on january 4, 2016 so that you can make the payment. As a gesture of goodwill, the bank had reversed the financial charges and given a confirmation to you on january 22, 2016.- no reversal was made

However, there has been a delay in making payment of the subsequent statements at our end. For your convenience, the bank had also arranged to send a representative to collect the payment. - after regular reminders representative came in may to collect the payment (Earlier no response from any representative and made delay in resolution)

We also wish to inform you that we have been sending the statements on your registered e-mail id every month. To change the mailing address, we request you to call our customer care from your registered mobile number and place the request for address change. - not getting regularly on my mail & have been calling your customer service since last year to change the address/go confirmation calls as well but no change in address/then started mailing with reminders from 17th dec 2015 but still pending

In view of the above, it is therefore, clear that the complaint has no merit and is required to be rejected. - kudos to your services!

In case you are not satisfied with our response and wish to further pursue the matter, you may write to the office of the banking ombudsman, reserve bank of india of your region for redressal of your grievances whose services are offered "free of cost". The scheme of banking ombudsman promoted by reserve bank of india is prominently displayed at all branches of icici bank and their website.

Please access the below mentioned link to view the address:

http://www.icicibank.com/online-safe-banking/ces/banking-ombudsman.Page.

As on may 30, 2016, the total outstanding on your credit card account is rs. 2, 115.81 for which the due date is on june 2, 2016. Apart from this, 4 more emi's are pending to be billed in your credit card statement. - as per total outstanding (Actual amount) is 7500 which you can pick anytime

We wish to inform you that, you may make the payment through cash or cheque or through online options like neft, click to pay or through internet banking using icici bank account (If any).

For collection of outstanding dues on your credit card you need to get in touch with our debt manager, mr. Sudhakar kumar on his mobile number [protected]. He will make arrangements to collect the dues from you.

We look forward to your co-operation.

Sincerely,

Shreya khithani
Manager
Senior management desk

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


From: rakhi puri [mailto:rakhi.[protected]@gmail.com]
Sent: monday, may 23, 2016 12:21 pm
To: senior management desk /rcsg/ibank/bkc; chanda kochhar /corp/ibank/bkc; kamath k. V. /corporate/ibank/bkc
Subject: re: 'icicicare=[protected]' icici bank ltd reminder 25

How many times you guys want me to explain below:

I have been telling you to change the address from last year - still not done

Irregular bills from last year end

You have transferred to emi to closed card without informing me

I have closed that old account through which i was making payment (Last year)

I got one time assisted with payment in han hence did but since feb asking for payment assistance which i got this month after the due date (I have been sending you reminders to resolve it earliest to avoid charges since you are making me pay for your team's response delay

You call this service???

I have been almost charged 5000 extra (Late fees due to your delay in payment pickup - check my reminders/mails), is it justified??? You made delay and asking me to pay???

Again i know you guys would not close my card and keep dragging to harass me more and ask me to pay extra...This is new way of increasing icici collection iguess.

Please waive off all extra charges and close my card as per me the total amount is left 7500 which i can pay now/any moment your person can come and collect

Again requesting you to resolve/close this in this month to avoid problems for you and me both!

Stop harassing ppl like this


On fri, may 20, 2016 at 6:17 pm, shreya khithani wrote:
Dear ms. Puri,

We refer to our e-mail dated may 12, 2016.

At the outset, we sincerely apologize for the inconvenience caused to you.

We wish to confirm that the outstanding as per april 2016 statement was rs. 13, 438.89 for which the due date wa son may 3, 2016. We received the payment of rs. 15, 000.00 on may 11, 216.

As we received the payment after the due date, the applicable late payment charge of rs. 600.00 and interest charge of rs. 403.25 + service tax is levied in your credit card statement.

Also, 4 more emi's are pending to be billed in your credit card statement. As per may 2016 statement, the total outstanding is rs. 2, 115.81 for which the due date is on june 2, 2016.

We wish to inform you that, you may make the payment through cash or cheque or through online options like neft, click to pay or through internet banking using icici bank account (If any).

Further, as per our findings, our official tried calling you. However, they were unable to establish contact with you. Later, we understand that you had called our official and sent an sms of your address to collect the payment. Nevertheless, we apologize for the inconvenience caused to you in this matter.

We hope we have clarified the matter.

We look forward to your co-operation.

Sincerely,

Shreya khithani
Manager
Senior management desk

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


From: rakhi puri [mailto:rakhi.[protected]@gmail.com]
Sent: 20 may 2016 11:59
To: senior management desk /rcsg/ibank/bkc; kamath k. V. /corporate/ibank/bkc; chanda kochhar /corp/ibank/bkc
Subject: re: 'icicicare=[protected]' always delay and no resolution again charged but no resolution - reminder 24

How many more days you would take to close this???

Or again planned to send me bill or your inefficiency/delay???

Got the below mail today - i don't know still you guys updated the address or not:

Dear customer,

Greetings from icici bank.

We wish to inform you that credit card statement for your icici bank account xx2018 has been sent through post on 19-may-16.

You will receive it within 12 working days.

Sincerely,

Customer service team
Icici bank limited.

This is an auto generated e-mail. Please do not reply.


On tue, may 17, 2016 at 12:12 pm, rakhi puri wrote:
Inline image 1

Again you have kept those charged levied due to your delays and inefficiency, almost 5000 extra on your delay... Why you want me to pay on your team's inefficiency of handling their jobs well???

3 more installment amount left as per me 7500 to be in total, take it and close the card at the earliest before i get another email statement instead hard copy as i am sure you guys would have still not updated my address.

You don't send the bills on time, change card as per your convinience and ask customer to pay due to that...Kudos to the new way/era of services from icici credit cards...

Thanks god i don't use icici card for my regular purchase. I would have ended up paying 20000 avg extra every 3rd month to you ppl this way...Citi is best ! Using from 2006 without such hassels, smooth services... They manage my avg 80000 bill monthly without issues, you guys don't even seem to do that for such a small amount!

On tue, may 17, 2016 at 12:03 pm, rakhi puri wrote:
I paid the thing from [protected] which i still have how you have transferred on your own to other card which i don't have?

Still nothing sorted.

Close the card i want to get rid of you guys!

On wed, may 11, 2016 at 1:36 pm, rakhi puri wrote:
Yesterday night paid 15000 to one of your executive and as per me another 7500 left on the card

Close the card and get the money collected

I will not pay extra charged due to late resolution offered from your team (Last bill was also received only in march)

Really tired of your services/i can't even call that services.

I paid the flipkart emi with my rubyx card given and i don't know how come you have transferred the amount to the oldest card which i told you guys to close before this was issues and you ppl expect to keep any card information from customers to harass them your way.

We will not spend our hard earned money due to your inefficient system to service/irritate ppl. If you can't manage stop issuing cards and banking

After following up from feb i got person yesterday to collect the payment, it could have been done in feb and things would have settled.

Worst experience


On thu, may 5, 2016 at 1:28 pm, rakhi puri wrote:
How much more you want me to be looted for your delay/incompetency???

As still no resolution

On tue, may 3, 2016 at 5:27 pm, rakhi puri wrote:


On mon, may 2, 2016 at 6:05 pm, rakhi puri wrote:
First of all i did call that person on 28th and still waiting his call back to collect the payment

You guys delay in resolution and ask customers to pay for your delays

Close my card and let me get rid of decoits like icici

On mon, may 2, 2016 at 5:43 pm, manasi mohare wrote:
Dear ms. Puri,

For collection of outstanding dues on your credit card you need to get in touch with our official, mr. Anish gupta on +91 [protected]. He will make arrangements to collect the dues from you.

Charges will continue to accrue if no payment is made towards the outstanding amount.

Sincerely,
Manasi mohare
Chief manager
Senior management desk


From: rakhi puri [mailto:rakhi.[protected]@gmail.com]
Sent: 28 april 2016 10:12
To: senior management desk /rcsg/ibank/bkc; kamath k. V. /corporate/ibank/bkc; chanda kochhar /corp/ibank/bkc
Subject: re: 'icicicare=[protected]' always delay and no resolution - reminder 20

Still no resolution

One more month passed

Got another sms and below mail on your delay and asked me to pay for your team's inefficiency:

Dear customer,
Apr 28, 2016


Payment on your icici bank credit card account no 5241 xxxx xxxx 2018 is due on 03/05/2016. You may choose to pay the total bill amount of rs. 13438.89 or the minimum amount of rs. 10360.

Please ignore the communication in case if you have already made the payment through any other mode.

Looking forward to your co-operation in helping us serve you better.

Sincerely,
Icici bank credit cards team.
This is a system generated mail. Please do not reply to this e-mail


I don't get any bills as on date since the day i shifted from mumbai and closed my account with you

I don't have your credit card with me asking to close but you guys are not closing it - probabaly new way to earn extra (Is icici going cash trouble? It seems collecting money from ppl like this to pay salary to inefficient ppl hired who are not even doing their jobs to assist customers)

It's been three months asking credit card details to make the payment but instead assisting in payment you guys are delaying and asking me to pay for your delay in resolution/assistance in payment

Is this the way icici is operating now????

I regret the day i took the credit card from the fraudlent person who called and forcefully gave this card (I never used but one transaction wasted so much of my time and energy, i should not have used this even once)

Called your debit officer but to my surprise he didn't have any details and aksed me that he would call back, let's see how many days he would take...

No bills yet at my home and no resolution on payment but you guys are asking on late payment & extra charges levied on card due to your delay in sending the person to collect payment


On fri, apr 8, 2016 at 2:28 pm, sandhya amin wrote:
Dear ms. Puri,

We refer to your e-mail of april 6, 2016.

We are examining your complaint once again.

We will respond to you by april 18, 2016. Kindly note that the offices of the bank are closed for business on april 8, 2016, april 14, 2016 and april 15, 2016 due to bank holidays. Hence, there will be a delay in reverting to you.

We request your co-operation in the interim.

Thank you for writing to us.

Sincerely,

Sandhya amin

Senior manager
Senior management desk

Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


From: rakhi puri [mailto:rakhi.[protected]@gmail.com]
Sent: 06 april 2016 11:47
To: kamath k. V. /corporate/ibank/bkc; chanda kochhar /corp/ibank/bkc
Subject: fwd: 'icicicare=[protected]' icici bank ltd reminder - 15

Hi mr. Kamath/ms. Kochhar,

I have been shifted from mumbai last year and closed my account end of the year with you guys where my credit card was saved for payments.

I had one credit card issued from you in 2014 which i told them to close when they send me rubyx which was committed to me is free lifetime hence i took else i was happy with my current credit cards i have.

They later after wasting my 2-3 months fights waived off those 3000 charged which i was happy with service as you ppl could justity that.

I hardly used that card. I had one emi on that card and after shifting to delhi i had to close bombay account so i did and then requested to close my card but i don't know why and how your team shifted my emi to my old card which i don't have from last alsmost 2 years.

January some of your executive helped me with the card no to make the payment which i was able to do but from feb i have been asking your team to help me on payment about 15 reminders and 2 months frustration of making them understand that i have not been getting physical copy of the bills also from last one year. Told them to change the address on mail/phone but still they arranged someone to call from mumbai to come at my mumbai address for payment which more frustrated me and wasted my time.

Every time i put reminder and literally plead to share the details on time as it could be situation later when you guys will force me to pay extra charged which automatically you would put due to your delayed response and not to my surprise you team mailed i have to bare those 2 month payment delay charges which is actually due to delay in assistance from your team.

I have got a debt manager no from your team which i have still not called and even i don't know whether that person is from delhi but i am surprised the way icici is behaving with the customers as after telling your team that i am pregnant and can't go to any branch to make the payment, you need to help me doing it online but they took two months to give me resolution on this.

Just tell me if this is the way you guys are building your repo in the market and i doubt how this service would function globally.

People do credit card frauds but being a good citizen i hate such things and i want to close my credit card with you as every month this problem would come towards payment as i am paying a card which i don't have and i can't afford to take pressure on things at my medical situation.

I am really angry on your system and team.

Please get my card closed and be genuine. Rater asking a customer pay their hard earned money on you team's in-efficiency of resolving the issue on time assisting their customers.

Kudos to such guts!

Irate customer
Rakhi puri
[protected]


[protected] forwarded message[protected]
From: rakhi puri
Date: fri, apr 1, 2016 at 9:11 am
Subject: re: 'icicicare=[protected]' icici bank ltd reminder - 14
To: chanda.[protected]@icicibank.com, neha manjrekar

On 30 mar 2016 15:37, "rakhi puri" wrote:


On mon, mar 28, 2016 at 3:10 pm, rakhi puri wrote:
As written by me you guys took 3 months to share contact details for the payment why should i pay for your delay????

And why should i wait for another month so that you can charge me more for your inefficiency of handling your operations???

I am ready to pay the principal amount not the extra charges which you put every month due to your delay in resolution

On mon, mar 28, 2016 at 2:00 pm, shreya khithani wrote:
Dear ms. Puri,

We refer to your e-mail dated march 23, 2016 addressed to ms. Chanda kochhar.

As informed in our previous e-mail dated march 23, 2016, we request you to make the total payment of rs. 9, 904.16 and write back to us to close the credit card account.

We request you to contact our area debt manager, mr anish gupta on his mobile number [protected] for further assistance.

We look forward to your co-operation.

Sincerely,

Shreya khithani
Senior management desk
Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


-----original message-----
From: rakhi puri (Rakhi.[protected]@gmail.com)
Date: wednesday, march 23, 2016 08:55 pm
To: neha manjrekar (Senior.[protected]@icicibank.com)
Cc: chanda.[protected]@icicibank.com (Chanda.[protected]@icicibank.com)
Subject: re:'icicicare=[protected]' icici bank ltd


Why you want me to pay for your delay????

I can't keep any relationship with icici bank

I don't understand how many times i have to explain same thing

I am ready to pay the amout liable but not which is caused due to your team's casual behaviour

Close the the card and confirm the total so i can get rid of you

On 23 mar 2016 19:22, "shreya khithani" wrote:
Dear ms. Puri,

We refer to your e-mail dated march 23, 2016 addressed to the senior management.

At the outset, we sincerely apologize for the inconvenience caused to you due to the delay in responding to you.

As on march 23, 2016 the total outstanding on your credit card account is rs. 9, 904.16 for which the due date is on april 3, 2016. We request you to make the complete payment and write back to us to close the credit card account.

We will be glad if you reconsider your decision.

We request you to contact our area debt manager, mr anish gupta on his mobile number [protected] for further assistance.

We look forward to your co-operation.

Sincerely,

Shreya khithani
Senior management desk
Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer:
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender. You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects. The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank.


-----original message-----
From: rakhi puri (Rakhi.[protected]@gmail.com)
Date: wednesday, march 23, 2016 11:44 am
To: neha manjrekar (Senior.[protected]@icicibank.com)
Subject: re: 'icicicare=[protected]' always delay and no resolution - reminder 12


On sat, mar 19, 2016 at 2:48 pm, pooja tenguria wrote:
Dear ms. Puri,
We refer to your e-mail dated march 18, 2016 addressed to ms. Chanda kochhar.

We acknowledge the receipt of your communication. We will initiate investigation of your concern/s and our official will confirm to you the date of resolution on march 22, 2015.

We look forward to your co-operation in the interim.

Sincerely,

Pooja tenguria
Senior management desk
Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer
"this e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank."


-----original message-----
From: rakhi puri (Rakhi.[protected]@gmail.com)
Date: friday, march 18, 2016 01:21 pm
To: neha manjrekar (Senior.[protected]@icicibank.com); chanda.[protected]@icicibank.com (Chanda.[protected]@icicibank.com)
Subject: always delay and no resolution -


Hi pooja,

Can you close my card and send the final amount so i can call him pay off and get rid of this mess?

I am pregnant and not willing to take further stress.

Only one request that don't make me pay for your delays in resolving the issue.

I gave my new address long ago but got call from your team last month that they updated my new address and i was surprised again got call from the mumbai office day before yesterday instead delhi.

How much communication gap and delays your system give?


Below was the mail send yesterday from me:

It should be 5000/7500 not 9900.

Almost 2400/4900 extra you have sent me the bill of your leniency of not resolving the issue

How many months more you would take to resolve this.

Why don't you let me go??? As asked many times.

Close my card - not interested to keep any relation with icici bank

Absolute lazy bank

I was asked to wait till 17th still no resolution


[protected] forwarded message[protected]
From:
Date: thu, mar 17, 2016 at 12:21 am
Subject: your credit card statement for the period 16-feb-2016 to 15-mar-2016
To: rakhi.[protected]@gmail.com

On thu, mar 17, 2016 at 8:03 pm, pooja tenguria wrote:
Dear ms. Puri,

We refer to your e-mail dated march 11, 2016 addressed to ms.
Chanda kochhar.

At the outset, we regret the inconvenience caused to you.

We understand that our debt manager, mr. Pravinn desai called you today to discuss the matter. However, we understand that you are in delhi. Hence, our delhi area debt manager, mr anish gupta tried reaching you, to discuss the matter. However, is unable to reach you.

We request you to contact our
Area debt manager, mr anish gupta on +91 [protected], for further assistance.

We look forward to your co-operation in the interim.

Sincerely,

Pooja tenguria
Senior management desk
Never share your otp, cvv, urn, user id, password with anyone, even if the caller claims to be from icici bank, bank employees will never ask you for these details. Please safeguard these account details as sharing it can lead to unauthorised access to your account.

Confidentiality information and disclaimer
"this e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of icici bank."


-----original message-----
From: rakhi puri (Rakhi.[protected]@gmail.com)
Date: friday, march 11, 2016 01:06 pm
To: neha manjrekar (Senior.[protected]@icicibank.com); chanda.[protected]@icicibank.com (Chanda.[protected]@icicibank.com)
Subject: re: reminder 10 : 'icicicare=[protected]' newsletter mail re: issue in credit card payments - reminder 8


Can you simply close everything?????


I don't want any relations with icici at all


On thu, mar 10, 2016 at 5:02 pm, rakhi puri wrote:


On thu, mar 10, 2016 at 9:52 am, rakhi puri wrote:
After 8 reminders still no one came to collect money or i have received my card details to make the payment and you guys want me to pay for your delays. ..Is this the icici standards or they have started new ways to collect donation?

I don't get this.

I want to get rid of you and with all my current accounts. Will initiate the process for all braslm media entertainment and braslm drug care both llp accounts and close this card once and for all.

You guys are not less then dacoits in a way to take hard earned money from ppl from different ways...Almost 2 month delay in assisting in payment and you asked a pregnant lady to go to your worst branches where i need to stand for no reason explaining things to 10 ppl...You lazy team calls up and still coming to collect the money. ...I don't know if they are coming from moon.

It's really irritating...I think i should speak with my lawyer once for such harassment ...It's mental, non ethical...Absolute from services.

I can't believe the way you guys are working.

Learn something from citi kotak

On 9 mar 2016 22:24, "prachi bhogle" wrote:
Dear ms. Puri,

We refer to your e-mail dated march 6, 2016 addressed to the senior management.

At the outset, we sincerely regret the inconvenience caused to you.

We wish to reiterate that we had shared the card details with you dated january 7, 2016 and had informed you to place a request for a new card to avoid the delay in making the payment.

We had also informed you in one of our communication to make the payment by visiting any of the nearest branch as you had the card number with you. However, as you were unable to visit the branch nor were able to send on your behalf, we have arranged to send our executive to visit your communication address to collect the payment.

In view of above, we regret our inability to reverse any financial levied on your account.

We request you to make the payment of rs. 9, 626.23 to avoid any further charges on your account.

We have already reversed the charges amounting to rs. 726.18 on january 11, 2016 as a one time service gesture.

We look forward to your co-operation.

Sincerely,

Prachi bhogle
Senior management


-----

I am using icici bank credit card no [protected] (Mastercard) since march2016 here thing is that icici had not communicate me to pay my first due amount rs1995 on april but later they sent message to me about it but that time they mention my old card no on message that card was closed by me since 4 years ago so i checked it in my pocket to get surety that i doesn't have this no of card so i ignored it but in may month i got message to pay dues on june with penalty of may so i asked about penalty so they told me that you didn't pay on time so i told them that i didn't get any alert or message from your side and later you messages me with my old card no so how i can pay because i am not aware that you people send message with old closed card no with dues so here was not my mistakes, i am using credit card since 2007 but i never try to pay it so please as an regulatory please take action against icici bank and give solution to me as a good civilian and give as such result that can make us proud on rbi

Re: 0006HaBGDYEC3DC0:Fwd: Stop imeediate transaction
Bank
x

customer.[protected]@icicibank.com
Dear Mr. Patil, We understand your concern. We called you on xxxxxx1036 at 02...
Apr 10

Lalji Patil
May 27 (1 day ago)

to customersupport, customer.care
dEAR aLL,

Please unblock my card.


Lalji Patil
10:49 AM (1 hour ago)

to customer.care, customersupport
Dear All,

My card still blocked. Yesterday the phone from [protected] came that your card is unblocked but still it is blocked. I am facing transaction problem as this is my salary account. I have emailed to my company also regarding this problem.


customer.[protected]@icicibank.com, [protected]@icicibank.com
Dear All,

No response

Lalji Patil

Send

I have a icici bank saving account in Gurgaon sector 33 branch, but there should put minimum balance ₹10000 compulsory. But same branch some womens have a 0 balance saving account. So my questions is why is this partiality?. Why not 0 balance account for us? 0 balance account provide to Sector areas women. And ₹10000 minimum balance account provide to non sector areas women. I think this is not RBI policy. So please help us.
Thank you

Respected sir we want information abaut mudra karj yojana and HDFC Bank will provide mudra karj yojana or not at present. Because HDFC BANK (pimpri branch pune18) Asked me they dont have circuler abaute Mudra karj yojana Frome RBI and they dont have cota of mudra karj yojana so please Give me clearification abaut that queries Thanks And Regard. Vinod Shankar Bhise (Yash Refrigetion and Air Conditioning ) Mo.[protected]

Dear Sir,

In the month of March my mother Mrs. Saramma Eappen aged 75, holding pension A/c with Central Bank Of India, Bilhari Branch, Jabalpur gave me a cheque in my name to withdraw money for her medical expenses as she was hospitalized, I presented the cheque for withdrawal putting my signature and a/c No I hold with this branch but was returned to me by the lady in the counter saying that the signature differs whereas this employee very well knows that I too hold an account in this branch, has she done it deliberately I do not know, as earlier I had several arguments because of her working.

Sir, it is obvious, with the passage of time and as one grows older the writing and the signature of individual differs, so it should be left with scanners to decide the percentage of similarity of the signature in cheque with the computer, in other words the bank should decide the minimum percentage of similarity to be accepted, moreover why should a customer believe the vision, of that particular employee dealing with this kind of job, is perfect or not, therefore it should not be the prerogative of an employee to decide regarding the signature of a customer.

In order, to avoid unwanted fracas, the bank should resort to computers than individuals.

Thanking You,

Jabalpur Yours Sincerely,
Dt.26.05.2016.

Saji Eappen
H.No.48 APR Colony-1
Mandla Road PO Bilhari
Jabalpur (MP) – 482020

While filling the form no. Sl1a for nominating my daughter in respect of locker held jointly with my wife (Eos), i found very strange and uncalled for lines "may give access to locker and liberty to remove the contents of locker, particulars whereof are given below jointly with survivor o[censored]s". These lines lead me to believe that in case one o[censored]s dies, the survivor shall lose the right to operate the locker independently and shall have to operate the locker in presence of the nominee. I feel such wording therein is more humiliating for both of the joint holders (Eos). My request is to kindly change these lines with the meaning that the nominee shall have right to operate the locker only when both the joint holders die.In case one of the joint holders die, the right to operate the locker should automatically be for the survivor. (Eos). Kindly act early. (Tej krishan kaul)

Good morning sir/madam
Here i informed you that i am cheated by the fake mails by the samsung company o[censored]k and they send the mails as like from rbi also that's way i committed it is true and we pay 19, 700 rs to him in his account of
Account name: sanasam memobi d
Account number : [protected]
Ifsc : sbin0004562
In sbi bank in delhi account
Later on rbi messaged me for 3 times and they warned me. So please take action of this and refund my money
His name is :bishop jeff
Ph no:[protected]
Mail id:[protected]@hotmail.com
Please take into consideration and reply me.

Respected all,


As per the trailing mail today is 10days has done but still i did't get my money back or any kind of revert.


Complaint no. With sbi[protected]


Thanks & regards,
Renu chauhan


From: "renu khubchandani"
Sent: wed, 18 may 2016 10:15:57
To: "sbi.[protected]@sbi.Co.In"
Cc: "complaints", "cgmcepd"
Subject: fw: cash not reicieve from amt khirki ext. But debit from my sbi account
Respected sir/mam,


As per the trailing mail i would like to inform you i have account in sbi bank (Account no. - [protected]) and on 15th may 2016 at 8pm i have try to withdrawal 5000 rs from central bank atm which is located in khirki ext but amt has not come out from the machine and its debit from my sbi account from at the same time their is no guard available who his solve my problem and i am try to log complaint against this issue to sbi customer care and central bank customer care (Executive - kavita) since 15th may 2016 @ 8:15pm but both are not ready to log my complaint till yesterday evening.

Kindly help me how i get my money back which debited from my sbi account (A/c no.- [protected]) due to your atm machine problem.

Remarks of customer care executive:-

1. Central bank customer care told me — this issue is not related his bank account so i have log the complaint in sbi customer care.

2. Sbi customer care — till yesterday my transaction details not update in their system so their are unable to log my complaint and they told dear customer pls call after two days then their system is updated and they able to log my complaint.

My account in - sbi bank uttam nagar (A/c no.- [protected])
Cash try to withdrawal - central bank atm (Khirki ext.)
Time :- 8:03pm
Date :- 15.05.2016
Atm slip terminal no - f30n031202
Amt - 5000 rs


Hopefully my problem will be resolve.


Thanks & regards,
Renu chauhan


From: [protected]@centralbank.Co.In
Sent: tue, 17 may 2016 16:37:20
To: "renu khubchandani"
Subject: re: cash not reicieve from amt khirki ext. But debit from my sbi account
Dear customer,
Plz visit any sbi branch which is near to you and there you can lodge the complaint.

Operations
Central bank of india, mmo bldg. 2nd floor,
55, m g road, mumbai — 400 023


— [protected]@rediffmail.com wrote: —
To: "[protected]@centralbank.Co.In"
From: "renu khubchandani"
Sent by: [protected]@rediffmail.com
Date: 05/17/2016 02:44pm
Subject: re: cash not reicieve from amt khirki ext. But debit from my sbi account

Sir,


Do not have account with central bank and i am working women i have use your atm in south delhi, i lived in west delhi and i am working in gurgaon this is a triangle how communicate pls advise the simple way because its not my fault this is your atm machine technical issue so why should i suffer...


Hopefully central bank cooperate with me.


Thanks & regards,
Renu chauhan


From: [protected]@centralbank.Co.In
Sent: tue, 17 may 2016 14:20:13
To: "renu khubchandani"
Subject: re: cash not reicieve from amt khirki ext. But debit from my sbi account
Dear customer,
Plz visit to your home branch or you can lodge the complaint at any branch of your bank.

Operations
Central bank of india, mmo bldg. 2nd floor,
55, m g road, mumbai — 400 023


— [protected]@rediffmail.com wrote: —
To: "[protected]@centralbank.Co.In"
From: "renu khubchandani"
Sent by: [protected]@rediffmail.com
Date: 05/16/2016 06:49pm
Cc: "[protected]@rbi.Org.In"
Subject: re: cash not reicieve from amt khirki ext. But debit from my sbi account

Sir,


Thanks for your revert but i am lived in delhi how i go to mumbai in to log the complaint.


Thanks & regards,
Renu chauhan
[protected]


From: [protected]@centralbank.Co.In
Sent: mon, 16 may 2016 16:00:05
To: "renu khubchandani"
Subject: re: cash not reicieve from amt khirki ext. Bu1t debit from my sbi account
Dear customer,
Please visit to your home branch and lodge a complain.


Operations
Central bank of india, mmo bldg. 2nd floor,
55, m g road, mumbai — 400 023


— [protected]@rediffmail.com wrote: —
To: "[protected]@centralbank.Co.In"
From: "renu khubchandani"
Sent by: [protected]@rediffmail.com
Date: 05/16/2016 11:01am
Cc: "[protected]@rbi.Org.In"
Subject: cash not reicieve from amt khirki ext. But debit from my sbi account

Sir/mam,


I have account in sbi bank and yesterday at 8pm i have try to withdrawal 5000 rs from your central bank atm which is located in khirki ext but amt has not come out from the machine but its debit from my sbi account from yesterday i am try to log complaint against this issue to my sbi customer care and your central bank customer care (Executive - kavita) but both are not ready to log my complaint.

Kindly help me how i get my money back which debited in your account due to your atm machine problem.


My account in - sbi
Cash try to withdrawal - central bank atm (Khirki ext.)
Time :- 8:03pm
Date :- 15.05.2016
Atm slip terminal no - f30n031202
Amt - 5000 rs


Thanks & regards,
Renu chauhan

L sandeep s% jagat ram r% vpo-thua, th & distt - jind (Haryana). My account is already open in punjab national bank chhattar, distt - jind (Haryana) my account no: [protected]. Yestrday gone in bank. I want to verify e. C. S (Electronic clearing service) form. But branch manager dont verify my e. C. S form. Branch manager behavior is very rude. Branch manager language is very wrong. I am not satisfy pnb branch. I feel same guilty. Please take in action


Branch code - punb0143600
Punjab national bank chhattar jind (Haryana)
Costmer no:-cdf012344
Manager name - sh gulab singh

Thanks/regards

Sandeep s% jagat ram r%
Thua jind (Haryana)
[protected]

Dear sir,
I, col (Retd) raghbir singh is having saving account number [protected] 1n sbi, mg road branch bangalore. Ihave been issued debit card number[protected]. On 27/03/16 some one has withdrawn rs 10000each four times from axis bank atm at bombay where as the card was with me and i am stationed at bangalore. The refference of withdrawl are:
[protected] at 12:20;53
[protected] at12:21:29
[protected] at12:22:03
[protected] at12:22:35
I have reported the matter to branch manager and they have stated that axis bank has not provided the video footage therefore they cant not handle it further and advised me to approach rbi for refund.
Therefore i request for refund of rs 40000 at theearliest.
Regards
Col (Retd) raghbir singh

I received a mail from sonalsinha claiming that I have registered a complain against HDFC bank, but the complain form was not dully filled so she shared one link to click and one attachment to fill and resend it.

I have grudge against HDFC and I really want to involve RBI into it. I already have an email communication going on with them. But I am doubtful on this mail.

Although I never clicked any attachment received from anonymous user, so I am doubtful on this case. below is the detail I received from this person from a mail id [protected]@rbi.org.in

हमें उक्त बैंक के विरुद्ध आपकी शिकायत प्राप्त हुई है।
2. आपकी शिकायत की जांच करने पर यह पाया गया कि शिकायत में बैंकिंग लोकपाल योजना के खण्ड 9(2) के अनुसार उस पर कार्रवाई करने के लिए अनिवार्य निम्नलिखित विवरण निहित नहीं हैः-
“ 9. शिकायत दर्ज करने की प्रक्रिया
(2)(ए) शिकायत, लिखित रूप में यथासंभव अनुबंध 'ए' में विनिर्दिष्ट फार्म अथवा परिस्थिति के अनुसार उससे मिलते –जुलते रूप में शिकायतकर्ता अथवा उसके प्राधिकृत प्रतिनिधि द्वारा विधिवत रूप से हस्ताक्षरित होना चाहिए तथा उसमें निम्नलिखित विवरणों का स्पष्ट उल्लेख होना चाहिएः-
(i) शिकायतकर्ता का नाम और पताः
(ii) बैंक के जिस शाखा अथवा कार्यालय के खिलाफ शिकायत की गई है उसका नाम और पताः
(iii) वे तथ्य जिनके कारण शिकायत करनी पड़ी
(iv) शिकायतकर्ता को हुई हानि का स्वरूप और सीमा तथा
(v) मांगी गई राहत
(बी) शिकायतकर्ता, शिकायत के साथ प्रलेखों, यदि हों, की प्रतिलिपि, जिन पर वह विश्वास कर सकता है तथा इस आशय की घोषणा कि शिकायत इस खण्ड के उप खण्ड (3) के अधीन पोषणीय ( मैनटेनेबल) है, संलग्न करेगा।
3. तदनुसार हमारी तरफ से शिकायत बंद कर दी गई है। आप शिकायत कर सकें इसके लिए हम शिकायत के फार्म की एक प्रति इसके साथ संलग्न कर रहे हैं। आप चाहें तो शिकायत ऑनलाईन तथा सभी विवरण भर कर नीचे दिये गये लिंक https://secweb.rbi.org.in/BO/compltindex.htm को क्लिक करके कर सकते हैं ।
इसे बैंकिग लोकपाल के अनुमोदन से भेजा जा रहा है।

On 05/14/16 at 3:12:37 am i was trying to withdraw 3000 rs from hdfc bank jhandelwalan branch new delhi.. I am a kotak bank debit card holder.. However i cudnt received the money as the transaction time was out.. The money got deducted from my account but i didnt received the money.. I complained to my kotak bank and they registered my request.. But they are just giving me run around.. And till date i havent received the money.. Kindly help me asap..

To
1. Banking ombudsman, reserve bank of india, sector-17, central vista, chandigarh.
2. Governor, reserve bank of india, central office building, 18th floor, shahid bhagat singh road, mumbai-400 001.
3. The a. G. M. (Issue department), reserve bank of india, sector-17, central vista, chandigarh.
Sub: - unwarranted harassment at the hands of k. S. Sandhu, chest manager, for flatly refusing to exchange torn and mutilated currency notes & for speaking rudely, misbehaving, harassing and humiliating by nitin cashier, punjab and sind bank, kailash cinema chowk, civil lines, ludhiana
Sir/s
Respectfully shweth:-
1. That i am having account no. Customer id[protected], ledge no.[protected], ifsc code: ps[protected] and is regular customer of the punjab and sind bank, kailash cinema chowk, civil lines, ludhiana.
2. That i have visited the punjab and sind bank several times regarding exchange of mutilated currency notes but the officers/officials of the bank ludhiana have flatly refused to do so.
3. That k. S. Sandhu, chest manager is not depositing mutilated currency notes in my bank account and has not exchanged mutilated notes.
4. That k. S. Sandhu, chest manager asked to me that he is general secretary of the union, so higher officer is neither cause harm to him as higher officer has not taken any action against him. So k. S. Sandhu, chest manager has flately refused to exchange mutilated currency notes and k. S. Sandhu, chest manager has neither deposited mutilated currency notes in my bank account nor he is ready to exchange mutilated notes by way of other mode. The record of the bank will be checked as to which person he has exchanged currency notes.
5. That k. S. Sandhu, chest manager told me that he has no duty to do work of exchange mutilated notes & has flately refused to exchange soiled/mutilated notes intentionally, deliberately, willfully and purposely and he asked that it is the duty of reserve bank of india to exchange mutilated/soiled notes. Nitin cashier is speaking rudely, misbehaving, harassing and humiliating to the applicant deliberately, intentionally, willfully & purposely reason best known to him.
6. That i have run pillar to post in order to get exchange of soiled/mutilated currency notes but k. S. Sandhu, chest manager has flately refused to exchange mutilated notes again and again in order to harass and humiliate to me for some extraneous reasons best known to them. There is violation of instructions/ circulars of the r b i by k. S. Sandhu, chest manager & nitin cashier.
It is, therefore, prayed that order may kindly be passed to direct k. S. Sandhu, chest manager, punjab and sind bank, kailash cinema chowk, civil lines, ludhiana to exchange torn, defective, mutilated and soiled notes in view of circulars of reserve bank of india.
It is, therefore, further prayed that departmental legal action may kindly be taken against k. S. Sandhu, chest manager & nitin cashier of punjab and sind bank, civil lines, ludhiana and be booked under the various provisions of law.
Dated[protected] complainant
Mukesh chaudhary s/o sh. Kewal krishan, r/o house no. 1114/1 near damoria pul, chhowni mohalla, ludhiana. Mobile no.[protected]

Respected sir,

i am hemalatha.G from india, i already submit one complaint to you on morning, now i am complaint about another fraud, his native place is london, but now he is present in india and collect money from innocent peoples by using fake id card, in few days ago the a/c officer ( dr.Philip mark ) in reserve bank of india was contact me through my mail, he told to pay rs 11, 500 for claim my winning fund but i dont hope him, then he send my lottery document and him id card, so i was hope him and paying rs11, 500 money to him

i also attach all the proof for your verification, but after
receive my money again he ask rs 97800 from me, then only i find he is fraud, but he is a foreigner, finally i find him he is a delivery officer in london

the money of rs 11, 500 is very high for me and my parents
because i am in poor family, my parents are already told as we not give the money to you, but i force them and they give the money to me, due to loss my parents fund now my parents are try to suicide, because the money is collected from our relations and we should return their money


i attach all the documents to take action against him, sir i
request you to please freeze that account legally and return my money of rs 11, 500 as soon as possible, also please understand my situation sir

fraud mobile number : [protected]
fraud e - mail id : [protected]@yahoo.Com

i hope your positive reply


with regards
hemalatha.G

Respected sir,

I am hemalatha. G from india, i already submit one complaint to you but there is no response from you, now i am complaint about another fraud, his native place is london, but now he is present in india and collect money from innocent peoples by using fake id card, in few days ago the a/c officer (Dr. Philip mark) in reserve bank of india was contact me through my mail, he told to pay rs 11, 500 for claim my...

Cent bank home finance limited
103-104, first floor,
2e/23, jhandewalan extension,
New delhi-110055

Dear sir/madam
My cent bank was charging home loan 11% rate of interest, start of the day april-2012 to till date. But at that time rate of interest was reduced, my bank was not reduce my home loan please help.

Otherwise close my account without any charge.

Regards
Dr. Reeta singh
Mobile no. +91 [protected],