ICICI Bank Complaints & Reviews

To,
The ICICI Credit Card Manager
Subject: Regarding fraudulent transactions on my card. (Service Request Number: 51671054dt 11-1-08)
Dear Sir/Madam,
I am holding ICICI Amex Card[protected] in 2006. I have not used this card either online or at any swipe machine or in any ATM. The card was safe in a locker. Nobody else has access to the card. I have never used this card for any internet transaction till date. I have never provided card details to anyone on phone or internet. Thus there are no chances of getting the card details such as card number, CVV number, and expiry date etc.
On 8 -1-08 I got SMS alert for following transaction
Transaction 1: of Rs 48048-00 on 8/1/2008
We came to know for more transactions when we reported the matter to Customer care.
Transaction 2: Rs 956.00 on 8-1-08 ………NO SMS
Transaction 3: Rs 449.00 on 8-1-08 ………NO SMS
None of the above transactions were done by me or authorized by me.
I called up the CUSTOMER CARE as soon as I realized about the fraud and requested for blocking of the card.
I called up call center to track that person right away but it was not done by your department. If this would have been, the IP address of the computer where all the transactions were attempted from could have been obtained. And this could have helped in getting the unauthorized user caught.
As we have to report the matter to POLICE & MEDIA, we request you investigate & provide me the establishment from where debit transaction has originated.
I was going thru the ICICI bank eseva – epayment website, I am surprised to know that a similar complaint has been filed by the card holder of xxxx xxxx xxxx 8002, which has a numerical connection to the last four digits of my card .This is not a coincidence .
This clearly shows that the some data from your credit card department has been shared with unauthorized persons. This is a serious lapse on your behalf.
This has resulted an unnecessary trouble & metal stress to me.
I would like you to take necessary steps to investigate the matter & credit my account with immededite effect.
Yours truly,
SUKHJINDER SINGH
[protected]
[protected]@yahoo.com

General Manager Dated:24.10.08
Credit Cards Division
ICICI Bank (India)

Sir,
I like to bring the following to your kind notice for taking appropriate step so that a bonafide customer of your bank like me do not suffer for no fault of his own.
I have been intimated of my payment dispute only on 8th August, 08. Before that neither any documents nor any SMS was sent to me giving me information that I have a pending of Rs.10, 200/- and Rs. 8, 624/- has been deposited to another account (Future Bazar). I have made payment of Rs.8624/- in March, 08 but you have remained silent for the next 4 months (upto july, 08) about the fact that in my card (..6004) there is due of Rs. 10, 200/-. Thereafter I have repeatedly contacted your office at 2A Upper Wood St, Kol but they have unnecessarily delayed about clarifying my queries and suddenly pending of Rs. 10, 2000/- has been shown to be due from August, 08. If you would have informed me about this due in April, 08 I could have easily sent you the dispute form confirming details of transaction within 90 days. So in this regard there is no fault on my part?
It is beyond my comprehention and belies rationality how on the same date payment is made from my card both at Chennai (Sabari Classic) and Mumbai (Future Bazar). That I was in Chennai on that particular day can be authentificate by the ‘Conference Certificate’ and Government permission order in favour of me.
I strongly and honestly believe there is a gross mistake on your part for which you are making one of your genuine customers helpless victims. But don’t forget in this even-increasing trend of high competitiveness in financial sector you will not be able to go far being hostile to customers instead of being customer-friendly. However, today I am paying Rs.2100/- (minimum Amount due till Oct, 08, Cheque No.430126 of Bank of Baroda, Jodhpur Park) and also blocked my Credit Card.
Awaiting you prompt and positive reply.
Thanking you.
Dr S. Chakraborty
Scientist
(Gazetted Officer)
CGCRI, Kolkata
Council Of Scientific & Industrial Research
(Govt. of India)

I don't agree with what ever u people are trying to convey about ICICI Bank because. My father has a account and I operate the account till today we have't over drawn or even bounced even single cheque. They give utmost importance for a customer who takes loan and promptly repays it back. The most important aspect people misjudge about a bank like ICICI is that they are fraudulent banks but they aren't, a bank who follows, its policies strictly unlike other banks.I would give full marks to a bank like ICICI Bank it is always the consumers who are at fault and not the banks, till today I have't heard of ICICI bank being compensated to any customers for wrong activities it is the customers who perceives it wrongly because one should't take loans beyond their loan disposable capacities, so a bank like ICICI lends loan without taking much care on the credit worthiness of the person and considers salary as a prime securitization tool for lending loans which is absolutely a wrong method of running a financial institutions. so care as to be a taken by customers before taking loans

Please update status of my complaint. No one can support of my complaint.[protected] i hope consumer complaint team doing needful on issue

I have today seen a similar error in my credit card statement



14/06/2009 1/3 EMI Principal - INDIAN RAILWAYS CATERING Rs. 1, 322.43(DR)
14/06/2009 Orig Amt: 3, 967 on 14-05-09 Bal: 2, 645 Rs. 0.00(CR)
14/07/2009 2/3 EMI Principal - Rs 1322.43

I never made such transactions. I would request consumer complaint team should take stringent measures to stop such misuse of credit card info by indian railways catering. seems some one is accessing info from irctc database and misusing credit cards and should also take action so that the money should be returned to us. After all why should we suffer?

Hi,

whatever you have done is right... I myself harresed by these recovery agents. Don't bother abpout poilce as non payment of emi is not criminal offence. Have guts & ask police why the hell he is there... keep all telephonic recording with agents, file complaint iin local police station . If any recovery agent comes give teach him in his own language (hope u understand). recovery agents are [censored] bull hit them harder you can...

I myself not paid their PL & Credit card payment due to there this attitude...

Take care

Vivek

Personal — extra charges impose on me

i am your coustmer since last two year at the time of opening account i have been misguided by sales agent that no hiden charge will charge after openig the a/c now bank manager has impose of Rs 3550 on me .that harassment of coustmer kindly help to waved of above ammont .
thanking you
a/c no. is [protected]

first of all peoples mistake is calling to ph banking, visiting bank etc. just talk in mail so that every thing will be in recorded communication and then tell to the bank if it will not be reversed in week then i will stop paying EMI and bank is responsible for any consequences etc. then bank comes to your leg. (i am too arrogant with this private banks. ECS bounced due to nil balance in icici and next month before due date i paid extra emi as balance is nil in icici ac. 2 times abn amro bank presented emi even though i paid advance. i stopped paying credit card dues (different to ecs) for ecs presentation finally Abn amro came for credit card settlement with 8k less. so happily i paid)

simple Rule: ph communication is difficult to prove for your favour. Mail is too simple to prove you had informed.

icici bank is worst and idiotic bank in the world i paid 5 installments from one bank and my 6th installment check is in another bank but those had sent this check which is in another bank to first bank since it has bounced, then the recovery agents came and warned 3 to 4 times and finally the came to seze the vheicle then i had made a clash with them and finally i went to hit them like hero afterwards they went saying we will come tomaro then we all about 5 to6members went to icici bank barked like any thing and manager apolises but i wanted to recovery agents to tell me sorry so i went to my uncle a police officer and explained all the thinks and he called those recovery agents and banged them finally those recovery agents came to my home like a dead dog and appolises, after all the things had done and payed all the installment till now i had not recived noc, if we ask them they are giving customercare no and that is intractive voice service these are not available at that time,
tomaro i am going to call them again, WHY THE TERRORISTS ARE GOING TO PUT THE BOMBS IN INOCENT PEOPLES PLACE LET THEM PUT IN ICICI BANK

they r treating the customers like prisoners the thing is crime done by them and imprisonment is for customers


so friends dont go for icici bank for investments, let it liquidify

Praveen you have done a very right thing.
I had face the same situation and also I have taken a personal loan on a fixed reducing rate in January 2008 but when the market fails they automatically put my loan into the floating interest so for 70000 I was paying interest of 2376 and it was for 3 yrs not tenure has increased for 4 yrs and I didnt get any intimation from the ICICI bank that your tenure has increased by one year.

I came to know when I been to bank to close my loan so they tell me to pay more and I refused to do so and I had put a written complaint and they took around 2 months to resolve them and unnecessary they have charged the late fees

I think Consumer court should take action against such things and due to such harrasement done on us they should be strictly punished and should give us our money back

I dont trust ICICI bank and I dont recommend any one to get anything from it and I would say this bank should be Banned for doing such things to client

Dear Mr.Praveen,

This is a normal thing with many ICICI Personal Loan customer's ...its just that people let go off these issues considering this as a small amount, its good that you raised your voice.

I myself have encountered these sort of problems, am also fighting a similar issues wherein my 2EMI's got dedcuted in the same month.

Do check my complaint too.

Best Regards
Santosh Namboodiri.

i closed my personal loan on 2008, my pl no. is LPHY[protected]. i didnt get any response from the bank for my clearance of loan. and i didnt get back my checks also. i want that confirmation along with my checks as soon as possible.

raghuram

Dear sir,

Let us know the status of opening trading account against my application no.[protected] DPIDNo.IN302679.

Please revert back on above e-mail id- [protected]@rediffmail.com.

Thanks,
Sanjay Salunke.

This is to bring to your notice that we had applied for a demant account at the launch of reliance power ipo. we were given a plain demant account number where we could not sale or buy any shares. after that your bank has taken necessary documents and then applied for the trading and demant account. we are just getting fooled by u all people and when we call up the customer care they say us that your account has been approved and then they tell us u will get your necessary documents within two to three days. but after two to three days there is no documents received and then we call up the customer care again and ask them the status about it thery tell us it is rejected. wht is the reason of telling two things at different times. looks like your management has lots of communictaion gap. and it is near about 1 and half months we have applied for a demant account. if we could had applied in other companies we could have bought shares at the time when market condition is not good. but we were left heart broken by your bank and this is shameful to u all people to do this type of fooling with us. i can assure u no one will again have faith in you all people i[censored] keep on doing this things again and again. we had lots of faith on u and u had left us heart broken at this stage. i don't think so i will have any trust on your people again in coming days or near future. i[censored] could reply to my mail it will be thank full to u or otherwise its up to u all people.
my demant number is 35168009
application number: [protected]

Respected Sir/Madam,
I Parag N. Sulakhe applied for Demat A/C. I got msg on my mobile no that my A/C is opened and 300 Rs also deducted from my caving A/C. but
I still dont got my Welcome kit, login ID, password frm you.

Please consider this complaint possitivelty and take nessesary action
My Mobile No is [protected].

Thanking you

Yours Faithfully
Parag N. Sulakhe
[protected]

Hero Honda — Non Receipt of Two Wheeler NOC from ICIC Bank

I have taken a Two Wheeler loan from ICICI Bank, which was started from 07th. June'2005, Loan Account no- LTBBL[protected], mode of payment is PDC and Tenor is for 24 months. The payment of the said Loan has been completed on Dtd. 7th May'2007 but till now there was nither I haven't receive the NOC Certificate nor any reply from ICICI Bank and also doesn't return one PDC Cheque keeping for a long period near about one year. As without the NOC from ICICI Bank I am unable to cancel the hypothecation in my registration book. As ICICI Bank have publicity that ICICI Bank is the best one in the field of LOAN but on my such type of past experience i this ICICI doesn't care the customers motto or satisfaction.

Please take care the statement furnished to you and take action on this matter

Sub: NOC of LAN number LVPRU[protected]

I live in Purulia WB and took a loan no. LVPRU[protected] of Rs.350000/-from ICICI bank
Asansol branch against purchase of TATA 207 pickup van in the month of March 2006. The bank representative came to my office at Purulia and I signed all the papers required for loan and post dated cheques are isuued against the installments. Everything was done at Purulia.I was very happy with the services and behaviour of the bank representative. I was happy that everything is done at my office and I donot have to move anywhere.

Now all my cheques are encashed in due time and the loan is fully paid on 22nd. February 2008. When I asked them to send me the NOC/clearance certificate, to my utter surprise, they asked
me to appear and apply personaly or through an authorised person at Asansol Branch with photo identity.

I wrote a letter on 20th. March 2008 to Asansol Branch but no response received till date. Not even a reply to my letter.

Now I am getting confused. Is it the Banking for which I was Happy?
I even dont required to leave my chair for getting the loan but will
have to move to Asansol (80 KM from Purulia) for taking the clearance
certificate?

I dont know the procedure of issue of clearance but if this is the system it needs to be amended.

my father died due to heart attack in a month before He had taken a loan of one lakh.did i have pay the installement left by him ? what should i do?

please give me two wheeler loun noc LT SAA[protected].


















































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































please give me two wheeler loun noc lt saa[protected]
name rajendra kumar solanki new address = rajendra kumar solanki co manish rathore 350 shivaji chouk sadar sagar M.P. mobile no.[protected], [protected]

Dear sir/madam, My two wheeler loan is complete. my last installment dt was 10th september 2008.my LAN NO. IS LTDEL[protected] but still i have not received NOC from ur good bank.pls tell me how can i recived my noc.my contact no.is [protected] and email id is [protected]@gmail.com

Thanks
vinit kumar singh

Can you give me details for your NOC. How the NOC will remove hypothetication

Dear sir/madam, My two wheeler loan is complete. my last installment dt was 21th july 2008.my LAN NO. IS LTpts[protected] but still i have not received NOC from ur good bank.pls tell me how can i recived my noc.my contact no.is [protected] and email id [protected]@yahoo.com

ICICI — non delivery

ExpressIT Couriers are one of the worst service providers I have seen till now
Couriers are delivered at wrong address.
No value and respect is given for the customer.
In appropriate action taken in spite of complaints from the customers.
Extra burden on customers to follow up with you guys.
The cost of following up is more compare to the actual price charged for delivering the courier.
You are not the deserving service providers, either improve your process or stay out from this field.

HELLO Mr Hameed Khan

Regret for the inconvenicence caused
please can I have the awb no for your query the same will be investigated and handle from our end .


Thanks and regds
CRM TEAM

ICICI — non delivary

sir
my AB; [protected], has not raceived, so pls help me if hyd branch has acknowldge or not .
thanks
murali
[protected]

On 01may08, my friend Aarvi Arrutchander made a cash Rs 5000 deposited in jamnagar branch but erronouesly it deposited in [protected] (ATM Card) instead of my savings account no[protected]. The staff at the counter who was reckless while depositing the money even didnt check the whether the name and account number matched. After depositing the money my friend proceeded on leave to Tamil Nadu. He comes to know the money didnt receive by me after three days. Then he visit to nearest ICICI branch in Arcut city Tamil nadu. and then contact the customer care even though the money didnt reversed to my account. The branch demanded for the deposit slips counter foil which was the only proof and assured to be forwarded to the jamnagar branch on 26 may 08. but still no action has been taken now when i visited the jamnagar branch the agaiun demanded for the counter foil and they are spoken to us very casually. They accept the money has been received in 01 may 08 but they donot take any step to solve the problem. They again said to follow the same procedure on 20 Jun 08. Iam very much depressed towards this kind of casual attiude. nowadays iam very much in requiirement of money so make the process quikly.

The worst service you can ever receive in your life.Without even any information, they start deducting and blocking your savings account, and when you call the customer care for enquiry, they behave in a very bad manner, and this happens right from the start and all the way to the entire department, i do not know about other banks, but trust me, NEVER GO FOR ANY SERVICE FROM ICICI BANK!!!

Join ICICI Home Loan Customers http://finance.groups.yahoo.com/group/ICICIHomeLoanCustomers/

I am also loyal customer and also suffer lot from housing for ICICI bank in term of service as well process.
Also currently they are charging 11.5 % ROI for existing customer and it is higher than other banks.

Thanks
Rajendra

I request RBI to please take some action on GE Money home loan interest rates. They are charging the highest and moreover they are not reducing anything for the existing customers apart from various steps taken by the RBI and reducing RR and CRR. Dear RBI governer sir kindly take some action, because it is only middle class who takes home loans not rich class.apart from this they are sending the information to the customer from time to time and treat me as culprits

With banks Like ICICI bank unilaterally increasing rates often without any notice the costs often exceed the agreed to cost at the time of taking a loan.

A smart way to get out and ..

...stay out of high interest rates of banks is by using NBFC and private institutions which offer lower rates of 6.5 - 7.5%.

I changed from citibank ripoff rate of 12.5% to 7.5% from private finance company, saving 5% every year
as the rate is fixed for entire tenure of the loan.

If interested contact
Sujith [protected]


I'll be saving over 16.4 lacs over the next 15 years by changing over to private finance company.

RBI must act tough on ICICI bank. This is the bank which has much bigger customer base for home loan, any of the recent rate cut (repo/reverse repo) by RBI for easing interrest rates are not passed to the existing customer.
My in general suggestion to all home load seekers is that, they should go to public sector banks for home laons, you may land up spending more time in getting loan sanctioned but after that you would not feel any kind of descrimination old/new customer.

Dear Sirs -

I am having ICICI Bank credit card No.[protected] which is expiring shortly.

Could you please let me know the procredure for its renewal, per return email and
oblige.

Or else could you please depute your executive to my office address given below
for doing the needful -

Asian Tiles
No.85, III Floor
Commerce House
(Above Olympic Sports)
K. H. Road, Bangalore
mob: [protected]

Mohd. Asadulla

This has reference to above card no, In this regard I wish to bring in to your notice following points-

1. That above card was closed after making all due payments in the month of sep-2004 after which no transition was done as card was returned to you.
2. My reason for closing the card was fraudulent billing in terms of late presentations of the payments made to you, and due to this you are being charging late payment charges/Interest.
3. That approximately after 3.5years one fine day you blocked Rs.5732.80, from my savings account of ICICI Bank ( ac[protected]and later on deducted the same from my SB account held with ICICI, which is a fraud on part of customers.
4. That when card was closed after making all the payments how you have arrived at the amount of Rs5732.80, its your internal mistake that you did not corrected the status and due to this late payment and interest charges were made.
5. That I was one of the customer who use to pay all his dues in time and due to this you had Issued me another card and that too Gold Card in Lieu of this card ([protected])
6. On this card also you had done unauthorized transactions details of which are as under-

Dated23.07.2007 in favor of reliance for Rs 5550/-for which I never ever authorized you.
Dated01.10.2007 in favor of reliance for Rs 207/-for which I never ever authorized you.
For above transactions I informed you through mail but all in vein.
Also, I had cancelled my above card along with all add on cards and got the conformation of the same on8.03.2008 through SR57906757.
Than how come you had authorized any transaction of Rs550/- on the card, this is a true story of fraud on customer part and to add on this, You had sent Platinum card.

My Credit Card Bill is about 30, 000.00 and in this situation the ICICI bank is how much rate of interest has been takne on this amount. What is the rate of interest ? Please suggest me.

VERY BAD SERVICE OF ICICI BANK . MANY FRAUD CASE DOING THESE DAYS. I AM UNSATISFIED UR SERVICE.

My name is vineet ahuja and I was the employee of
your bank. My employee id is 517884. I Want to know that why my salary
of November month was not drawn in my account .My total salary is 6920
Rs. but you drawn only 923 Rs on 29 December. And I also want to ask
you that for some reason my S.M Mr. Puneet mathur has terminate me. In
the employment letter given to me by you said that if the bank
terminate me then he have to given me 15 days notice or 15 days salary
but both of these things are not don with me . I want to say you that
please take an action about the both two things and please give me the
salary of November month and 15 days notice salary. If this is not
possible by you then please tell me where I should request. Please do
some action otherwise I have to go to the consumer court for my
salary. And I want to say you that please take an action against
puneet mathur and enquiry about him. His behavior is suspeciable. One
of my culige given the false documents of his education. And he knows
about it but he didn't take an action against him. Ex. Assistant
Branch manager Mr. Abhishek Verma also inform puneet mathur on 10
October but he didn't take an against him. All the banks employees
know about that he given the fake educational certificates. I asked
puneet mathur why he didn't take an action against him then he said me
mind your own business and said it's depend upon me that I take or not
take an action against him. That's the reason why he terminates me
from the job. I didn't want the job in that's organization where I get
that rewards saying truth. But the salary is my rights and I get it.
Please enquiry to puneet mathur that why he didn't taken an action
against him. I have the proof also that his certificates are fake and
puneet has known about it. So if I went to the court I saw that's
documents in the court. Please inform me as soon as possible that you
are giving me the salary or not.

Thanks

With regards.
Vineet Ahuja
[protected].

Dear sir,
i am ashish sethi from indore and i have one serious problem regarding your services
and faults done by your department.the whole matter is that i have one saving account and
one credit card of your bank. I am client of your bank from last 6 years.I was also having a
personal loan of 45000 on bahalf of my credit card.
my icici credit card
no. is [protected] and i am using it from last 3 years.ther was a call to me from your
icici lombard regarding health insaurance policy. i agreed for taking one policy of having
premium amount rs.9370 which was to be paid through an emi of 780.83 to my icici credit card.
after these so many reprentatives contacted me for similar schemes, but i told them that i
have already taken one policy. but icici lombard representatives isssued me 3 policies at same
time details of all the three issued policies are as follows:

1).issued on 02/11/2006 of a premium amount of rs. 21334
2).issued on 06/11/2006 of a premium amount of rs. 9108
3).issued on 05/12/2006 of a premium amount of rs. 9370

when i got my credit card statement i was shocked by seeing that emi's of three policies were
charged on my account. i contact to icici lombard and requsted them to cancel all the policies
issued to me. they agreed and cancelled all my 3 policies on
14/01/2007
13/01/2007
04/12/2006 respectively
after the cancellation icici lombard returned the amount of all 3 policies to my credit card
My problem had started from here.
WHAT YOUR CREDIT CARD DEPT. HAS DONE- THAT THEY ADJUSTED AMOUNT OF 2 POLICIES 21334, 9108 AND
THEY CLEARED MY ACCOUNT REGARD THIS 2 POLICIES.BUT THEY DIDN'T ADJUST THE THIRD POLICY'S AMT.
THEY TURNED THIS AMT. INTO EMI WHICH WAS BEING CHARGED ON MY CREDIT CARD NEITHER PROVIDING ME
ANY KIND OF INFORMATION REGARDING THIS NOR TAKING MY PERMISSION.
AFTER THAT WHEN I GOT MY NEXT CREDIT
CARD STATEMENT I WAS SUPRISED AGAIN BY SEEING THAT AFTER CANCELLATION OF ALL POLICIES
"WHY EMI OF RS.780.83 WAS CHARGED ON MY ACCOUNT?"

I MADE A COMPLAINT TO ICICI LOMBARD ASKING ABOUT THE EMI. THEY TOLD ME THAT ALL MY POLICIES
WERE CANCELLED. SO I WAS AMAZED THAT AFTER CANCELLATION OF THE POLICIES HOW COULD THIS EMI
WAS CHARGED ON MY ACCOUNT.WHEN I REQUESTED THEM TO REFUND THOSE EMI AMT. WHICH WAS CHARGED
ON MY CREDIT CARD. THEY PROVIDED ME SERVICE REQUEST NO. OR COMPLAINT NO'S WHICH ARE
AS FOLLOWS:
` 1692201
1749477
1784061
MY CREDIT CARD IS ATTACHED WITH MY ICICI BANK SAVING ACCOUNT WITH AUTO DEBIT FACILITY.
SO THIS EMI AMT. WAS AUTOMATICALLY PAID BY MY SAVING ACCOUNT TILL "APRIL, 2007". AFTER COMPLAINING
SO MANY TIMES WHEN I DIDN'T GET ANY CLEARIFICATION OR ANY SOLUTION TO THIS MATTER. I MYSELF
WENT TO ICICI CREDIT CARD DEPARTMENT AND ASKED ABOUT THIS MATTER .THEY TOLD ME THAT IT WAS
A MATTER OF LOMBARD AND ASKED ME TO CONTACT LOMBARD INDORE BRANCH AT INDRAPRASTHA TOWER, INORE.
I WENT THERE ALSO AND THEY PEOPLE CONNECTED ME TO THEIR CALL CENTER. THE CALL CENTER PERSON
WERE ALSO UNABLE TO PROVIDE ME ANY SATISFACTORY ANSWER.
AFTER SUCH AN UNRESPONSIBLE BEHAVIOUR AGAIN
OF YOUR LOMBARD AND CREDIT CARD DEPT.I HAD ONLY ONE OPTION REMAINING WITH ME THAT WAS TO
STOP MY AUTO DEBIT FACILITY FROM MY SAVING ACCOUNT TO MY CREDIT CARD.
AFTER SOMETIME I RECIEVED SOME CALLS FROM YOUR CALL CENTER REGARDING OUTSTANDING PAYMENT
OF MY CREDIT CARD. I ASKED TO LOOK INTO THIS MATTER FIRST BUT I DIDN'T GET ANY ANSWER
FROM ANY PERSON.AFTER SOME TIME I GOT CALLS FROM YOUR RECOVERY AGENTS TOO, BUT ON TELLING
THEM ABOUT THE PROBLEM THEY WERE ALSO UNABLE TO PROVIDE ME ANY SUITABLE ANSWER.
ON 4 APRIL, 2008 I WAS SURPRISED WHEN IGOT MESSAGE ON MY MOBILE THAT 2
CHEQUES NO. 551464 OF AMT.25000 ISSUED BY ME TO MY STOCK BROKER AND A CHEQUE NO.551465 OF AMT.
RS.1700 ISSUED TO MY HDFC CREDIT CARD PAYMENT WERE DISHONOURED ALTHOUGH I WAS HAVING MORE THAN
70000 RS. IN MY ACCOUNT. I CONSULTED BANK CALL CENTER REGARDING 'WHY THEY DISHONOURED MY
CHEQUES ALTHOUGH I WAS HAVING SUFFICIENT AMT IN MY SAVING ACCOUNT. THEY REPLIED THAT MY
ACCOUNT WAS LEINED(FREEZED) BECAUSE OF OUTSTANDING PAYMENT OF MY CREDIT CARD.
I WENT TO BANK AND THEY ASKED ME TO CONTACT TO
COLLECTION OFFICER OF CREDIT CARD DEPT. THE OFFICER TOLD ME THAT OUTSTANDING PAYMENT OF
AROUND 75000. I WAS SURPRISED, BUT WHEN I TOLD HIM ABOUT MY PROBLEM HE TOLD ME THAT
THIS IS A PROBLEM OF LOMBARD AND YOU HAD TO TALK TO THEM. HE SEND ME TO LOMBARD OFFICE AT
COMMERCE HOUSE, NEW PALASIA INDORE. THE LOMBARD PEOPLE TOLD ME TO CONTACT ME AFTER 2 DAYS.
AFTER 2 DAYS THEY TOLD ME THAT THEY HAD CANCELLED THE
POLICIES ON THE ABOVE GIVEN DATES. AND IT WAS NOT THEIR PROBLEM AND IT WAS A PROBLEM OF ICICI
CREDIT CARD THAT WHY THEY DIDN'T ADJUSTED THAT AMT.THEN IAGAIN WENT TO CREDIT CARD
COLLECTION OFFICER. I SITTED WITH HIM AND CHCKED ALL THE STATEMENT.Then we get the fault
that they adjusted returned amt from lombard of 2 policies but they didn, t adjusted refund
amt. of third policy and they turned that amount into emi without my permission or without
informing me about such emi.IN BETWEEN THIS PROCESS MY 3 CHEQUES WERE ALSO DIS HONOURED

DUE TO SUCH IRRESPONSIBLE BEHAVIOUR OF YOUR CREDIT CARD DEPT.
I HAVE TO FACE MANY PROBLEMS, I AM IN A TOTAL DEPRESSION BY MENTAL HERRASMENT GIVEN BY YOUR
DEPT. TO ME. I HAD TO MOVE FROM ONE DEPT. TO ANOTHER SEVERAL TIMES, IT CAUSED A LOSS TO MY
BUSINESS. MY WHOLE CREDITIBILITY AMONG MY ASSOCIATES IS GONE. ITS A TOTAL LOSS AND A
BURDEN OF MONEY WHICH MY CREDITORS ARE IMPOSING ON ME. ALTHOUGH HAVING MONEY I AM UNABLE
TO MAKE MY PAYMENTS. I AM IN A COMPLETE SHOCK BY SUCH A SITUATION CREATED BY YOUR
IRRESPONSIBLE BEHAVIOUR.
"DOU YOU KNOW HOW BIG CRIME IS A CHEQUE BOUNCE?" IT COULD BE A
CRIMINAL OFFENCE AGAINST ME. I AM PRAYING TO MY CREDITORS TO NOT TO FILE A SUIT ON ME. THIS
SITUATION COULD LEAD ME TO SOME SEVERE PROBLEM OR DISEASE. TODAY I CAN'T SEE ANY WAY
TO SOLVE THIS PROBLEM."
I WANT AN STRICT ACTION TO BE DONE BY YOU IN THIS MATTER RIGHT
NOW. IF YOU DIDN'T GIVE ANY REPLY TO ME IN 2 DAYS, I WILL BE FORCED TO FILE CRIMINAL, CIVIL,
CHEATING, NEGLIATIVE SERVICES, LOSS OF GOODWILL AND MANY OTHERS. I WILL COMPLAINT
IN THIS MATTER TO BANK ORGANIZATION, RBI, AND WOULD RAISE THIS ISSUE IN PRINT AND
ELECTRONIC MEDIA. YOUR BANK WILL BE FULLY RESPONSIBLE FOR SUCH PROBLEMS.

HOPING FOR FAST REPLY AND AN APOLOGY WITH PROPER EXPLANATIONFROM YOU ALL.

ASHISH SETHI

i had taken a personal loan in the year 2006 may.From then i am getting deducted monthly 2995. No state of account has been sent to me till now.For how long this will be deducting that is also not known to me. PLease sent the same to my mail id ie [protected]@yahoo.co.in.My personal loan account no. is LDPEL000070.waiting for your early and fvorable responce thrugh mail.

ICICI service is absolutely terrible. I have a fixed deposit with them since many years, that was actually made with the erstwhile Bank of Madura and that bank was taken over by ICICI many many years back. I have been trying to prematurely close this deposit since a month, but no success. The ostensible reason is: they do not have my scanned specimen signature on their system because the deposit was from Bank of Madura. This is absolute nonsense, considering that this deposit has been automatically renewed every year at least half a dozen times since Bank of Madura was merged with ICICI. Why did they not bother to check these matters before?
Their 24-hour Customer Care is the biggest joke. You ring up any of those numbers, you are endlessly directed to press 1, 2, ..etc and ultimately it says that you are being timed out and hangs up. Their level-1, level-2, complaint system is another joke. All their responses are mere wordplay, most irritating thing being their counsel to customers to have "patience". Indeed, you need limitless patience to deal with this bank.
I have decided to pull-out of this bank and go to a smaller bank, where there is some one you can talk to and explain what you need from them

We are also the victims to ICICI and have the same complaint.

Dear Sir,

I hope you read this email and take some immediate action.

I am writing on behalf on my Husband Mr. Shams Ahmad Asghar Aii Parvaz his account details are mentioned in below mail.. I have been helping him in trading in his account since last month since he is a frequent traveller i have been following the query of wrong debit of an amount of Rs. Rs. 428,283.34 from our account.


My husband having ICICI Demat A/c no : 34180657 and savings a/c no :[protected] and ICICIDirect Account number [protected] have been following up with you ICICI Direct people from last 15 days when we found the difference in our net worth due to wrong debit from our account without making any transactions.

We would like to summarize the complete issue of last 15 days . It all started on Feb 27th morning at 9.0 am. When we checked our portfolio on 26th evening after trading hours it showed limit positive Rs. 200,000 and Net Worth Rs. 86,50,000/- . All of a sudden on 27th morning before trading hours the limit reduced to - 2,50,000/- ( negative Rs Two Lakh and Fifty Thousand ). We reported the matter to the customer service on the same day but without any results. We have come across Mr. Haresh - ICICI branch at Shoppers Stop, Ms. Meenakshi- ICICI Borivali, Mr. Balchandra Nayak ICICI Borivali, Ms. Amarpreet - Andheri (E) AKruti and now MR. Bidhu - New Bombay. Now Mr. Bidhu is unwell and we are talking to Mr. Brajesh.No work on SR nos are generated.result is zero.

We have always received weird replies fom your customer service who without taking the efforts have just reported that everything is fine. Also we have an email from Mr. Bidhu stating we found that there are no cash / share Pay out pending for your ICICIDirect Account number [protected] and the problem remained unsolved.We kept repeating that the reconciliation statement shows a difference please check there is some error but he refused to reconcile saying it was not his job.

Later we ourselves checked each and every trade transaction in conjunction with the bank statement and found the followingof the
trade for 21st FEb TRansaction[protected] and 2008038
21-Feb-2008 VIJSHA Buy 200 94.90 18,980.00 183.[protected]B[protected] Rolling IN[protected] BSE
21-Feb-2008 SUNPHA Buy 67 1,077.20 72,172.40 698.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 STABAN Buy 100 2,159.49 215,948.80 2,089.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 SANIND Buy 500 38.05 19,025.00 184.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 HUGTEL Buy 5000 35.80 179,000.00 1,732.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 STABAN Buy 50 2,142.90 107,145.00 1,036.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 JKCORP Buy 400 137.51 55,005.00 532.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 SANIND Buy 500 38.45 19,225.00 186.[protected]N[protected] Rolling IN[protected] NSE
21-Feb-2008 CELFAS Buy 500 48.30 24,150.00 233.[protected]N[protected] TT IN[protected] NSE
Total (710,651.20) 6,877.15

transaction
2008038 sell 0.00
dt 28th feb buy 691,671.20
brokerage 6,693.46
settlement dr-698,364.66

instead debitted 798748.58+303516.34+24383.74=Rs.1126648.66. In transaction 2008038 amount of Rs. 428,283.34 debitted extra on Feb 22,2008 from our bank account.

TRansaction[protected]
buy 18,980.00
brokerage 183.69
settlement -19,163.69

TRansaction[protected] was ok

We have saved the trade history on March 12 , 2008 and also March 13 , 2008. we have found error in the same.

I have attached herewith the working sheet , in which ICICI has taken an unjustified amount of 7850/- from our account , I have given the workings along with the settlement numbers


Macro Reconciliation from start till 31st january 2008

Total Amount Deposited 10011000
Add : Brokerage Refund: 85541.54

Less : Trade Book Debits 100496.80
Less : Brokerage Debited 388258.72
Less : Settlement nos
2008023 and 022 1393863
Less : Debit card fee 111
Closing Bank balance as
on 31/01/08 213813.54

205962.61 is shown in the bank account so theres a difference of 7850/-


Macro Reconciliation from start till 31st dec 2007

Total Amount Deposited 10011000
Less : Trade Book Debits 6884219.15
Less : Brokerage Debited 178702
Less : Debit card fee 111

Pict


Closing Bank balance as
on 31/01/08 2947968

2940079 is shown in the bank account so theres a continuing difference of 7889/-

There seems to be a problem in the month of november

1 SB6050955 16/11/2007 16/11/2007 EBA/NSE N 2007219/[protected] Dr 1,792.10
: - this debit in the bank account is not justified settlement number 219

2 SB8353639 21/11/2007 21/11/2007 EBA/NSE N 2007222/[protected] Dr 6,048.00
: - this debit in the bank account is not justified settlement number 222
7840

Mam I don’t understand these two debits , it seems to be a mistake by ICICI

Query from start till 31/01/2008 solved , Difference is of Rs 7840 /- and the settlement numbers are 219 and 222
with differences of Rs 1792 and 6048 respectively



Thus we have sent you by email the complete working of the same.

Later in the evening as per our telecon on mobile with Mr. Prajesh it has been informed to us on March 14th at 7.25 pm that from Feb 14th 2008 there has been a system error / technical flaws for Online Demat account due to technical problem. This has been informed to Mr. Prajesh verbally by the operations team. He has promised that he can give the same in writing to us.Due to your system error our account has been extra debitted.Also regarding the difference amount the same will be credtted to our account once it is confirmed by your office.

It is highly irresponsible for a big bank like ICICI where lakhs of people are doing online trading not to inform the customer of their systems technical problems,
Secondly you have refuted our claims and have always tried to defend that everything is ok without going to the depth of the problem and arguing on wrong basis and not trying to understand the clients grievances.
Trade history has been changed or datas recorded wrongly have been rectified. we have docmentary evidence of all what we are claiming.


Best Regards


Nilofer

ICICI Bank Credit Cards — Mishandling with Cheques

Hi sir,
Inspite of mine regular calls to to IVRS for one payment issues for month of April. I deposited mine cheque for Rs.6756 prior to 11 days befor mine due date. It sucessfully debited from mine account for mine credit card. But it has not credited for mine credit card account which even after regular calls i am unable to traced out. everytime i called ICICI bank credit card customer service centre but they bluffed me for various issues like i didnt pay the amount and even collection peoples started calling me inspite of solving the issues. Moreover, i have ample of documents to prove that it has been credited to mine account. Kindly take neccessary steps to overcome such issues.

ICICI Credit Card — Twice charges cheque return.

I have complaintedto customer care about the following, Due to change in signature my cheque no. 645869 was returned. Twices the chque was forwarded and due to it twice the charges was added for cheques return with service taxes & also late fees Rs. 400/- as I had deposited my cheque much before the due date.
My Credit card no. [protected].

Please revert my amount, and send me my confirmation on my e.mail.

Rutha Mudaliar

Credit Card — Balance Transfer Cheque Not Reqd.

Dear Sir/Madam,

I have been issued a ABN Amro Bank Titanium Card recently and before i receive the card i was sent a balance transfer cheque with 'Cheque no. 612795' of worth Rs. 10, 000.00. For your kind information i had not asked for it and on top of that i have been recently issued a statement with all the charges included with Rs. 10k.
I duely request you that kindly withdraw this cheque as i have not utilised this cheque and nor do i need it. This is very sad that since the first day i am facing difficulty with your bank. Your bank has really bad reputation in this regards as my brother also had cautioned me before i took the card.

Pls do the need ful and see that the cheque is cancelled and no charges are levied on that in my statement.

Regards
Sanjay BhattacharyA

ICICI Credit Card — Offer not send by the Bank

Sir,

There was a offer from ICICI Bank credit Card, if spend 30000/- through credit card with in the period from 1st Oct 08 to 31th Dec 08 for Reebok Carry Bag. But after one and half month go after offer finished there is no respose from any side and also when I call at customer care there is no satisfactory response from there. They always said there is no update till date please wait for some more time and when I ask to register my complain they asked we can't register your complaint on that. Please advice what I should do.

Thanks

In the last month bill the amount pending against my bill is Rs 80/-, Your people is charges Rs 500/- as late charges and Rs 500/- as interest against Rs 80/-. This is quite ridiculous. If this amount is not waived, I have no other option except to go to consumer court and also give a wide publicity in the media. this is nothing cheating people. Last month I have cleared the total bill by paying Rs 20, 000/-. By mere taking card from your bank, people are getting cheated. If the interest amount is not waived, I have no other option except to go to consumer court and also close my card from your bank and go to another bank. The late payment of Rs 500/- against the balance of Rs 780/- is quite ridiculous.


card No: [protected]

cell: [protected]


on hearing from you, i will initiate my action.

thanking you

s.v. sudhakara reddy

Sir,
I have surprise to see that, I have not redeemed my reward points but in my current statement it is showing that I have redeemed 4009 points. my contact no is [protected]

ICICI Bank Credit Card — non credit of cheque

Sir,
I dropped canara bank (sadar bazar agra) cheque no.846115 on 02.10.2009 at skypak dropbox location rajendra nagar shahibabad ghazibad (u.p)which is debited to my a/cno.KSCB[protected]BRANCH catonoment agra) against icici bank credit card no.[protected].

I personaly visited icici bank (branch sanjay place agra ) and met icici bank representative miss kavita . she advice to deposit the due amount of Rs. 735 again and your previous cheque will be credited for further use . so far the cheque amount is not credited to my credit card balance please check and credited the same.

ICICI Credit Card — Reason for cheque return

CREDIT CARD NO.[protected]

Please note vide your statement dated 02.04.2010, cheque no.194092 dated 21.03.2010 for Rs. 924/- was returned. Please inform me the reason for return of the above cheaue as well as send me the memo ( for returning the cheque) and the cheque.

Dear Sumit,
Sorry for the inconvenience caused to you. We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.