ICICI Bank Complaints & Reviews

my son M.E. PAARRI VANAN a/c no:[protected]. icici DEBIT card
has lost today i.e on 29.9.2008. kindly block the debit card transaction

1. Drop box was available at ATM situated in Sonagiri Bhopal but from today it is shifted to M.P. Nagar. It is far away from Sona giri and about 8 km from my residence. Bank provided drop box to facilitate the customer now why it is shifted. About 2 years back some collecting agencies collected the cheque/cash for credit card bill but it was also discontinued since long time.

2.I am unable to use petro card facility from March-08 because swaping m/c was stolen from Ashis Hp petrol pump on Holi Festiwal. Since Holi (March) petrol pump owner is trying to get swaping M/C but ICICI Bank is not providing it .

I am employ of Henkel Teroson India Ltd. - Gurgaon My current Salry Account wih ICICi is[protected].
Earlier I was working with Precision Pipes and Profiles(PPAP) - Noida. With name Vivek Kumar Gupta and Account No.[protected]
For Acc. No.[protected] I changed my address of PPAP to current Gurgaon company and i got regular Bank Statement on that address.
Now for reopening the account I had been submitted following duly signed document to ICICI nearest branch as per their Customer Care Excutive told.
1) Current Employee ID card with Name Vivek Kumar Gupta
2) Copy of bank Statement.
3) Employee Detail on Company Letter Head.
But still they were not opening my account from last one month of complain and conversation with Asst B.Manager- Gurgaon, CCE, Senior of CCE, and head CCE.
I mently harassed by ICICI team.

Account no:[protected]
contact no:[protected]

my internet banking user ID has been disabled and i have complained you and u have sent me the letter but unfortunatly i was not there n i didnt recive it.so kindely send me the new user ID to continue my internet banking and to use facilities given to me.please send the letter to the following address
R.S.KUMAR S/O. T. RENGANATHEN,
7/103, PAZHOOR VILAI VEEDU,
KILLIYOOR (P.O), KANYAKUMARI DISTRICT,
TAMILNADU-629187

Hello!

I am absolutely fed-up with ICICI bank.

Not only is their staf[censored]seless and do not take appropriate action in most cases, some of them are rude to the point of insolence.

I have written to this bank for necessary action, which request of course has fallen on deaf ears - at least so far. I am writing again today and will await their response before initiating legal action as appropriate.

I would like to know what class action can be taken against this bank, so that other customers do not have to go through the sort of harassment I went through.

Can I also get a copy of the 300 or so complaints received by you against this bank?

Naresh Sharma
C - 9/9442
Vasant Kunj
New Delhi - 110070
Phone: +91 [protected]

Regret to note that all my reward points, earned by transactions made, have been transfered to totally imint without any intimation also the billing cycle has been changed now the credit period offered is 48 days.It seems that the ICICI Bank can do all these without intimation there card holders.

It has been almost a month since i have put my request o[censored]nfreezing the account. even after giving everything they asked for
my account was not unfreezed. now these incompetent people have even stopped reverting back to me for my query
this bank is the worst bank in the industry

God !!! i hate this bank

Dear Sir,
I had paid last installment of my personal loan in August-2008. Still I have got one SMS to pay installment(Rs. 649 aprrox) by 29th Sept, 2008. I have not got any statement yet for the same.
My credit card no. is [protected].
According to the statements that I got at the time of taking loan, the last installment was to be paid in the month of August-2008.
Please look into the matter and reply me immediately.

Thanks.

Peeyush Vyas
Mobile:[protected]

Dear Sir / Madam,

I am unable to view my credit card statemnt online. Kindly send me a copy of statement thru e-mail without entering passwords.

Thanks

i have never recieved the statement from the last 9 to 11 months and after complaning no action have been taken, while the time of collection when the amount has increased so much that it is out of our reach to pay by charging so much interst, late fee charges and overdues that we are not in a condition to pay them, then the bank sent the boys to our place who misbehave and give so many calls by using bad languages and mentally threatenig to our family by making their best efforts they can.Now comes the main matter that why should we pay so much penalties when we are not responsible for it and the bank and recovering agencies both are doing it delibratrly ther are playing game with their clients to recover as much money as they can by using any means of wrong thingsand harming the clients mentally, physically, social.So my request to u is that please detuct my penalties from the month of when i have not recieved the statement till now because till yet i haven't recieved any statement and stop them by giving abuse calls to my family members because they r not resposible for it as u know credit cards are made...my card no is.[protected]
ITS MY REQUEST TO TAKE THE ACTION AS SOON AS POSSIBLE.

REGARDS
UPENDER SINGH VERMA

Hi, i am dinesh narwal. I am working in Bharti Airtel ltd & Have salary account in ICICI bank. My issue is that I made a req. of Rs. 10000 from NFC new delhi ATM on 29 july arr. 8 pm. I did not get any money .my req. was rejected by ATM. But after 10 min. later i got a SMS from bank that Rs.10000 has been debited from my. account. i log a complain for the same issue on 30th july & got the assurance that they have initiated a chargeback for the mentioned transaction on the acquiring bank on August 07, 2008. The time for the other bank to confirm the status is 45 days from the date the chargeback is intiated.But till date no response.
My Service Request(SR) No:SR74590784

DEAR SIR,
MY ICICI BANK CREDIT CARD NO.IS [protected] IN THE NAME OF SANJEEB BANERJEE.IN THE MONTH OF AUGUST 22ND 2007 ICICI BANK ISSUED A SETTLEMENT LETTER AGAINST ME AND THE LETTER HAS BEEN CARRIED BY THEIR DSA NAMED"QNS" AND BY THEIR COLLECTION AGENT NAMED ARSHAD.I BASICALLY BASED IN DURGAPUR(W.B.).
I HAVE RECEIVED THE SETTLEMENT LETTER SHOWING TOTAL OUTSTANDING OF RS/- 44, 000.AND THESE HAS TO CLEAR BY THREE INSTALMENT.
1ST INSTALMENT I HAVE PAID RS/-18, 000 AND NEXT 2ND AND THIRD INSTALMENT I HAVE PAID RS/- 13, 000 EACH.BY THIS WAY I HAVE CLEARED MY ENTIRE DUES OF MY CREDIT CARD ACCOUNT.
BUT, AFTER THAT IT IS ALMOST PASSED 1 YEAR AND EVERY TIME WHEN I ASKED THE QUESTION THAT WHERE IS MY 0 BALANCE STATEMENT THEY EVERYTIME TOLD ME THAT WITHIN NEXT MONTH YOU WILL RECEIVE EVERYTHING.
NOW, WHEN I HAVE APPLIED FOR A CAR LOAN THROUGH HDFC BANK AFTER THE CIVIL CHECK UP THEY TOLD ME THAT STILL RS/-86, 000 OUTSTANDING SHOWING FOR THIS CREDIT CARD ITSELF.AND FOR THAT THEY HAVE REJECTED MY APPLICATION ALTHOUGH I HAVE DIPOSITED THE SETTLEMENT LETTER AS WELL AS THE 44, 000 RS/-DEPOSITED CASH MEMO WHICH THE BANK HAS GIVEN TO ME.
SIR, HELP ME.

THANKING YOU, REGARDS,
SANJEEB BANERJEE.

ICICI Bank will always offer the lowest rate in the market for new customers and as such they gain the maximum market share since a lower interest rate easily attracts customers since its a life time investments for most and even a small difference in the interest rate makes a BIG difference.

The interest rate is pegged to a PLR (Prime Lending Rate) so they usually offer a higher discount to the PLR to new customers and therefore resulting into offering a lower interest rate than the market.

Once the customer has availed of the loan, thats when the real story unfolds. For a floating interest rate loan, the PLR only goes up and never goes down!!! At the slightest tightening of the CRR or SLR, the PLR is increased and as such your floating interest rates increase. Not much can be done by the customer since the PLR has gone up and discount %age from the PLR is constant or fixed as per the agreement.

But whenever the interest rates in the market go down in the market due to the liquidity increase or other factors, the PLR remains constant but the discount rate for ONLY the new customers is increased as such bringing the effective rate of interest for them lower than what the older customers are paying!!!

So many time you will find, as a old and loyal customer, you are paying almost 4% higher ROI than what a new customer is paying to teh same bank for the same loan.

Also, since there are penalties involved with prepayment and also, reluctance of customers to change banks due to the large sums of money involved with home loans, the customer keep losing Large Amounts of money due to this cunning strategy of the Bank!!!

NEVER TAKE A HOME LOAN FROM ICICI BANK LTD!!!

sir, ICICI BANK is the bank which gives miscomitment to coustomer. 1st of all they took my ac by saying zero balance mantanince and now they r charging amount for no balance in my account. plz solve my problem.

Dear Sir

ICICI bank is not listening to my proble. The details of my problem are mentioned below which are self explanatory. Pl help us to get the justice. The correspondance details which I made with ICICI Bank are as under.

Respectfully
Samit Panchal


eMail dated 11.05.08 followed by reminder dated 24.05.08
email dated 15.09.08
email dated 21.09.08

Dear Sir (dated 21.09.08)

Pl refer to our telephonic conversation 18.09.08 as under:

I am paying my installments of Rs 417/- regularly every month. I delayed to pay my installments for 5-7 days in three occasions out of which once I have paid the interest with late fee of Rs 350/- also. I have not paid the late fees for the two other occasions as I have felt that such charges are not genuine and had asked you waive off by my mail dated 11.05.08.

I was shocked to know that the installment of Rs 417/- which I am paying regularly every month is not adjusted toward my installment. The bank is adjusting my installment amount towards outstanding of late fees and showing in their records that I have not paid the installment. Due to this bank is again charging late fees and as of today they make the outstanding amount of Rs 3179 where as I have paid all my installment in time. Except in three occasions I have delayed for 7-10 days.

In back side of each of my cheque I have written "installment for the month of", how my installment amount can be adjusted toward late fees that too without my knowledge and also at the same time make me defaulter by not paying installments in time and charging more money towards late fee and interest. Also bank has never communicated in regard to adjusting installment amount in late fees.

More apart from that bank has not replied to my mail dated 11.05.08 followed by reminder dated 24.05.08. When I have written strong mail to customer care on dated 15.09.08, I received a standard reply on 15.09.08 that "We tried to contact you but could not establish the contact. We request you to confirm your mobile number for further assistance." The bank has my landline no. On every installment I am putting my mobile no in bank slip. How it is possible that they could not be able to make contact with us. Why they haven't has asked my mobile no in reference to my mail of 11.05.08 it self. More apart from that bank says monthly credit card statement is the reply of your complain letter.

Many times statements have not come though I am depositing my installment every month as I know my responsibility very well.

I had purchased the camera on 22.06.07, logically I have to pay installment every month before 22nd of every month but I am seeing that due date of installment gets reduced every month and now it has come from 22 to 21 to 20 to 19 to 18 to 17. What is this calculation? Because this reason I get delayed in giving my installment for 1-2 days.

I have asked to give me the statement mentioning cheque no, cheque date, cheque amount and deposited date but customer care refused to give me the same. As right for information act the bank should provide me such statement so that if require I can to talk to bank officials with reference to that.

Since bank has not answered my complain by mail dated 11.05.08, I requested customer care to settle my account by putting 11.05.08 as cut off date for settlement of dues. The customer care has refused to do the same.

I have asked customer care to give me the mail id of higher official to whom I can talk with in this matter, the customer care didn't provide the same to me.

The bank is forcing me to become an defaulter that too in the event where I am paying my installments regularly every month. If bank's stand is not going to change, then I have no option other than I pay my balance installment in one glance. As per my record I have paid installment up to sep'08. Also if bank feels they are free to spoil by credit history. I still expect that my bank will come with an amicable solution and the solution will be definately favorable to its gold card customer.

Pl reply asap.

Best Regards
Samit Panchal
M - [protected]

cc to Grahak Shuraksa


>>> "ICICI Bank Customer Care" <customer.[protected]@icicibank.com> 09/18/08 12:44 PM >>>
Dear Mr.Panchal,

According to our telephonic conversation today, we regret our inability to reverse the financial charges levied in your credit card statement.

The total balance outstanding of your statement dated August 28, 2008 is Rs.3179.42 and minimum amount due is Rs.1030.00.

The due date of the above statement is immediate.



Please Note : At ICICI Bank, we believe in providing the best of services to our customers. Our services model helps us resolve your concerns to your satisfaction.
Help us serve you better by using preferred channels: 24-hour Customer Care OR ‘E-mail Us’ option at our website, www.icicibank.com.


Sincerely,

Manoj Thomas
Customer Service Executive
ICICI Bank Limited.

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: Samit Panchal ([protected]@gear.elecon.com)
Date: Tuesday, September 16, 2008 08:53 AM
To: customer.[protected]@icicibank.com (customer.[protected]@icicibank.com)
Subject: RE: Fwd: Credit card grieavance

My mobile no is [protected]

rgds

>>> "ICICI Bank Customer Care" <customer.[protected]@icicibank.com> 09/15/08 4:23 PM >>>
Dear Mr.Panchal,

We tried to contact you but could not establish the contact.

We request you to confirm your mobile number for further assistance.



Please Note : At ICICI Bank, we believe in providing the best of services to our customers. Our services model helps us resolve your concerns to your satisfaction.
Help us serve you better by using preferred channels: 24-hour Customer Care OR ‘E-mail Us’ option at our website, www.icicibank.com.


Sincerely,

Manoj Thomas
Customer Service Executive
ICICI Bank Limited.

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: Samit Panchal ([protected]@gear.elecon.com)
Date: Monday, September 15, 2008 09:45 AM
To: [protected]@icicibank.com ([protected]@icicibank.com)
Subject: Fwd: Credit card grieavance

To 14.09.09
The ICICI Bank Ltd
P.O. Box No 10099
GPO, Mumbai * 4001 001

Reference:
1. Your letter no cc/28-05/23936 dated 08.04.08
2. My mail to customer care dated 11.05.08 followed by reminder on 24.05.08
3. Your Letter no cc/28-05/23936 dated 06.06.08

Subject: Outstanding amount in credit card no [protected] due to unethical practices.

Respected Sir,

Pl find the copy of my mail dated 11.05.08 to customer care in regard to outstanding amount against my credit card. I wish to inform that I am regular in paying my installments against the purchase of camera in 0% interest scheme. Three times I delayed to make payment for 7-10 days and once I had also paid the late fee of Rs 350/-. My ICICI Bank has now made outstanding of more than Rs 3000/- towards late fee. One side we are told that we are a gold customer for the bank by issuing a gold card and on the other hand we are forced to feel that the bank is robbing us. From the credit card services point of view the definition of customer in my eyes is now take cust and mar. More apart from that I even didn’t get the reply of my mail dated 11.05.08 from your customer care office. Your customer care call center is absolutely meaningless. He talks like a parrot. Your local banks did not entertain any credit card complains. Such infrastructure of customer care is been made by the bank intentionally so that customer can not do any thing by complaining locally with bank’s branch office resulting in increase in outstanding amount which is the sole purpose of the bank in order to earn more. In other terms the white paper method for robbing the customer. I have used the credit card for the first time for the purchasing of camera in 0% interest and it is unfortunate that bank’s mentions 0% interest in product leaflet if purchased through ICICI credit card but at same time never mentions about the late fee or rules or other hidden charges. I am very much disappointed as the camera, which I purchased in 0% interest scheme, do you feel that one will pay 36% more amount towards late fee or any hidden charges. Also while opening credit cards your representative never talks about the late fees nor negative points or rules about the credit card. They talk only positive points to increase their sales. In fact there is no transparency in the credit card business. More apart from that they just take signature on the blank form. Any way I am very much disappointed and therefore I am surrending my credit card in 4 pieces by dropping the same in drop box at Vallabh Vidyanagar branch. I have made up a mind to not to pay any extra charges, if required I will take this case to your Chairman or Director, Consumer Court, RBI, Finance Ministry and Media. I would also like to see what benefits does my bank give to a gold card customer or what is the mission and quality policy or objectives does my bank have from customer point of view. Is it justified that one side Government of India is waiving the loans of our “Kissan Bhai” and other side my bank ICICI are finding out the unethical ways, methods and means to earn money? Kindly settle my account immediately.

Respectfully

Samit Panchal
10, Saunharikunj Society
Near Ganesh Chowkdi
Anand * 388001

Cc to : ICICI Bank Ltd., Regd office: “Landmark”, Race Course Circle, Vadodara, India
ICICI Bank Ltd, Vallabh Vidynagar Branch, Vallabh Vidyanagar

Encl: Copy of my mail dated 11.05.08

=======================================================

Reminder pl
(24.05.08)

======
Dear Sir

My credi card no is [protected]. I have avail the facility of credit card for the purchase of kodak camera on o% finance sceme. The monthly installment was Rs 417/- for two years. I was not able to pay instalment in time for couple of days for which I had paid Rs 350/- towards the late fee once. Simultaneously again for two months I had delayed in payment for couple of days due to my out station trip and for which again I was charge late fees and I have not paid because when I had purchased the camera on o% finance sceme and also I was not made aware about this late fee transactions during the purchase either by bank throgh leaflets or by shopkeeper. I had delayed in payment of few days only i.e 7-10 days. Due to this little delay I had also given the instalment in advance in order to compensate this little delay on my account. Since it is a o% finance scheme, how late fee can be charged? If anything has to be charged is the interest for the delay period for Rs 417 only. Any how I have paid once and I am not willing to pay further.

I have received a letter from bank (ref no cc/28-03/35868 dated 08.04.08) stating oustanding amount of 1650.71 where as I have completely paid instalments upto April'08. Also your letter says that non-adherence of the same may impact your credit history and we may share this with credit bureaus. In this regard I would request you to kindly wave of my late payment fees and this is possible as it has been done to many cutomers against valid reason, as per the statement of banks represensative in counter. So I once again request you to do the needful.

Secondly I have gold privelage card with good money transactions through savings account, salary account demat account, mutual fund and life term pension policies. Hope looking to my substancial money transactions with your bank, hope my request will be considered.

In case my request is not considered, pl inform me I will pay the full balance amount but not the late fees. Also I have to close my credit card with all money transactions through my accounts like saving, salary, demat, mutual funds, pension plans etc. Also you are free to share this to credit bureaus.

Waiting for your reply pl.

Rgds
Samit Panchal
(11.05.08)





<<Credit card grieavance0.txt>>

Dear Sir,
>
>I am very sad to write this mail for customer service of ICICI bank, I am holding S/B account[protected] since last 10 years with ICICI but i never faced such big hurdles in account operation.
>
>Bank has also granted me the flexi Cash facility vide other account[protected] which is linked to this account.
>
>I am operating this Flexi cash account since one year.I received a letter from Bank for non renewal of account. I agreed to that and written a mail to customer care for clarification on repayment of outstanding since i am salaried person and cant pay single amount of Rs. 80000/- in 10 days notice.
>
>Customer care after two reminders reverted that i should visit the Branch i did that also twice but nobody helped me and asked me to contact personal loan account since they are not aware about the product.
>
>On last friday i got shocked when i was trying to withdraw Rs. 2000/-money from ATM from my account[protected]having a clear balance of Rs. 15000/- as on date)my transaction declined with a comment that insufficient fund in account. I have to go doctor and needed money badly that point of time i had no option how to manage the same.I faced this problem only because of irresponsiblity of ICICI bank officer.
>
>Worst part of the incident come when i contacted the customer care on[protected] on same day but my call avoided with comment that it is related to Loan department and now it is 8 0'Clock so nobody is there to look into your problem, why bank guarnatee for 24x 7 services.
>
>I called up next morning but i found that there are nobody in the call cneter who knows the product, they were transfering my call to Saving account---salary account---corporate salary a/c---perosnal loan account----saving account, some one told me to call 1153 and other one 1135.. why peoples are so irresponsible.
>
>I hold the call for 35 minutes and result was nil, i was very upset instead of having sufficient bal in account i am begging money from others.
>
>I am attaching herewith letter which i have received from ICICI on 8th Sept 08 with instruction of non issue of cheques from this account[protected].
>
>I am using my saving acount for all purposes, if account show the fund insufficient fund status instead of having sufficient fund will not be acceptable.
>
>If cheque from saving account got dishonoured, i will not be responsible for the same i will have to go one further step for resolve the problem.
>
>for your ready refrence i am attaching herewith Letter from ICICI, Screen print of my saving account, trailing mail from ur best customer care dept
>
>I request you to pls look into matter seriously and my account should be released today, if any cheque hit the account and got return it would be taken very seriously and i will take the suiatble action.
>
>
>Regards,
>Ramesh Mundra
>[protected]
>

From last one month I am requesting ICICI Bank Customer Care Serive to provide policy document for interest calculation mechanism based on part payment done by Home loan customer. But am deeply pain to state that they can't provide such basic policy document. I think they can’t provide policy document due to 3 reasons.

(1) ICICI Bank is not such mature bank, which have policy document for interest calculation mechanism based on part payment done by Home loan customer
(2) ICICI Bank follows unfair trade practices and unscrupulous exploitation of customer
(3) ICICI Bank customer care is useless who can’t provide the policy documents which ICICI Bank have already provided to them and willing spoiling brand name and goodwill of ICICI Bank in competitive market.


I hope to get fruitful response with policy document from Customer Care department of

Hi,

ICICi Defect’s person called me and says that :"
ICICI Direct is offering 3 in 1 account to anyone having Salary >20K (Online trading account, Demat and Zero balance Savings account) for just Re 1/- only. For details contact Omprakash Arya on [protected] / [protected]. " they also put same add on HSBC GLT INTRANET

But few day back i have get following mail from icici direct

ICICIdirect.com - Outstanding Account Opening Charges

Dear Customer,
We refer to your application no. [protected] for opening of integrated 3 in 1 Trading Account. We are glad to note that your application has been successfully processed.
As a part of the account opening formalities, you were required to pay account opening fees of Rs. 750 for processing your application. We observe that the said fees are still unpaid.
We request you to kindly fund your linked bank account with the said amount by 15/09/2008 to enable us to recover the outstanding charges.
We must inform you that if you fail to fund the account by the said date, we would be constrained to take such further action as may be deemed fit including deactivation of your ICICIDirect.com account.
We therefore urge you to act as requested at the earliest in order to avoid any disruption of services.
Kindly ignore this communication if you have already paid the fees.
We look forward to your co-operation in helping us serve you better.
Sincerely,
For ICICI Securities Limited


When I contacted to my relationship manager then come to know this offer only for HSBC Bank employees, and I m working with HSBC Software so I have to pay amount.

ICICI direct person gives me fake information. Where should complain for same.


Regards,
Vaquar khan
[protected]

Dear All,

I am facing some problems with ICICI Bank Personal Loan I have taken on my wife's name. I am providing my correspondence with so called "Genuine Bank" (or "Day light Robbers"??? you decide). I hope you will understand the issue and will not repeat the mistake I did. (of having any kind of relations with ICICI Bank)

Here is wht I wrote to ICICI Banks Customer Services
================================================================================...⇄
Title: Mr.
First Name: Ankur
Last Name: Khakhar
An ICICI Bank Customer: Yes
Product: Credit Card
Account No: [protected]
What would you like to say: Dear Sir/Madam,

I have Been using your Bank's Credit Card regularly for around last 7-8 months (Ac No.-[protected]). I received a call from some o[censored]r executive in the month of june 2008 regarding some pre approved loan of Rs.1 lac. where he mentioned that the said amount will be credited into my account No.[protected] if I take said loan, and the EMI of around Rs. 2900 will be debited from the same amount from July 2008 onwards. I agreed & taken the said "loan".

In the month of July I deposited around Rs. 3000 in my said Account No.[protected]. later on I came to know It has not been yet debited & the amount is still in my account only.

Next month I made a call at your call centre, regarding the same, and Now they tell me I have to activate some auto debit facility to do that.(where the hell is that guy, who said my EMI will be directly debited?).I thought that's fine, I will pay it through cheque this time, & asked about the account No. to be written on the cheque to an employee of the bank, who instructed tht the account no. is same one that is for the credit card([protected]).I use to travell a lot & so I dont see the statements regularly & I follow the messages you send to my mobile. So I deposited the cheqhe of EMI of Rs.4683 along with my regular credit card payment cheque of Rs.13318. You can find the details in my A/c No. [protected] as on 9th August, 2008. Where u will find that I m the only who paid advance of Rs.4683 for my credit card payment (the exact amount that was supposed to be paid in my loan A/c No.[protected]) before even puchasing anything though your credit card for the applicable period. Usually people enjoy credit & the pay on bill date, & surprisingly I paid in advance !!! thanks to the guy at your desk in the bank who makes us wait into the line till the token no. comes & without going into details gives solutions. Amazing !!!

Not over yet, Your people started to give us call for payment of EMI. Meanwhile My father died in Rajkot & I was busy with the issues relating to that. But leaving all those things I had to check with your bank & the credit card department regarding all this mess-up, as I am bound to do as a customer of your "esteemed" bank.(Eventhough I paid cheques of ICICI Bank only, Your departments can not solve this inter-departmental mess-up). Finally I found wht you wanted, when I went back to my place in Ahemedabad and seen your statements. Charges of Around Rs. 2400 in my tenure of 3 months of loan with an EMI of Rs. 2900 odd. Very Nominal !!! that too for the mistake the representatives of your bank made.

One more issue- I have noticed that there are some Interest charges you have levied in my A/c No.[protected] around Rs. 32 or so. I went to your regional office for all these issues. & they said the the charges in the form interest of Rs. 32 are levied because of late payment of partial amount. Do you know wht was the partial amount I could not pay as I was not in Ahmedabad & I instructed someone else to pay on my behalf? Rs. 0.36 !!! the bill amount was Rs. 13318.36 & I paid Rs. 13318. (also Rs. 4683 by mistake) I can not understand how it can still show an unpaid amount of Rs. 0.36 still. & even if it shows, how can u ask for an interst amount of Rs. 32.43 on the dues of Rs. 0.36 for a period of one month ??? I am a C.A. & MBA in Finance, but this calculation was far beyond my entire life's knowledge. Wht is the rate do you charege for interest.

No wondor as anything can happen with the name "ICICI" !!! regreat dealing with your bank-especially credit card (I want to surrender)

Finally I want to say that, I am ready (as I was ever) to pay all my EMIs "the way you want" (Auto Debit/Cheque/Cash) but please this time accept my EMI. And also revise all the chareges & interest which you have charged UNETHICALLY to all my accounts.(without reversal of charges I will not pay anything)

Regards,
Ankur Khakhar
(On behalf the Account holder who is my wife)
================================================================================...⇄

Their Reply
================================================================================...⇄
Dear Sir,

For quicker resolution of your query/request, please write to us through the "E-mail Us" option at our website, www.icicibank.com

We have reversed the interest charges of Rs. 32.43 and service tax of Rs.4.01. The credit of reversal will reflect in your subsequent statement.

We inform that you have to make the payment towards loan account by mentioning the loan account no 9401 XXXX XXXX 7007, then you the amount will be credited to the loan account and will be adjusted towards the EMI.

As per the statement of September 15, 2008, the total amount due is Rs.12990.17 and the due date is 03/10/2008. We request you to make the payment of the dues as per the statement to avoid any financial charges on your credit card.

Looking forward for your co-operation.

Sincerely,

Rajesh D
Customer Service Officer
ICICI Bank Limited
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If you can notice, they did not mention anything about the actual issue of around charges or Rs.2400 and resolved the issue of around Rs. 32 charges. Amazing !!! & when I asked them to send me the final settlement amount (because I dont want to continue any relationship with ICICI Bank any more) they did not reply till now. I am waiting for my next statement to come when they lay more charges for outstanding amount even though I am ready to pay their entire amount


Beware when you make any transactions with ICICI Bank Ltd.
Regards,
ANKUR KHAKHAR
[protected]

I submitted Account Opening Form in ICICI Bank, Shalimar Bagh Branch, New Delhi on 30.08.2008 regarding Zero-Balance Savings Account to be linked to my Demat Account held with DP-Religare Securities Limited. I was handed a Welcome kit containing ATM Card, Cheque Book etc. with the assurance the same will get activated in 3-4 days time.
I am following the branch and customer care for the same for last 10-15 days. In this regard, Customer Care advises to contact branch while branch executives daily gives the assurance to wait for one more day and the same will get activated. Nothing has changed for the last 10-15 days and I am feeling helpless and bearing losses as I am unable to trade. I am very much mentally disturbed by the poor services of ICICI Bank and false assurance given by their executives. May I request you to kindly do the needful in this regard at the earliest?
Thanking you in anticipation,
Regards,
Kavita Srivastava