ICICI Bank
Reviews and Complaints

Dear Sir,
My bike registration no is DL 8S AF 4303, Bajaj discover, i have paid all 36 installment, i request return my blank cheque lying with ICICI & issue NOC certificate
Please courier at
Sanjeev Saraswat
Envirotech Gensets Pvt. Ltd.
B-1A/19, Commercial Complex
Sect-51, Noida
Ph - [protected]

sir
maina aapke bank se two wheeler loan liya tha jiska ac no hai LTLUD00008384806 bike is bajaj pulsar mujha abhi tak iski rc nahi mili hai aur dealer ka kehna hai ki jis dma se aapka loan sec hua hai unhona hame payment short ki hai aur jis dealer se hamna bike li thi usna aapna mobile no [protected] change kar liya hai aur bank mai milta nahi hai bank wale kahta hai usna yaha se job chod di hai sir dealer ka name hai DINESH JIS BRANCH ME WOH BATHTA HAI WAHA KA ADDRESS HAI FEROZE GANDHI MKT FEROZE PUR ROAD LUDHIANA plz solve this metter sir an reply soon

sunita ([protected])
54 bachitar nagar near
jamalpur chowk ludhiana

hi
this anbu my account number021201556132 today iam 27.8.2008 around 10.30am to 11.30am i am deposite(quick cash deposite rs2000 on amount in valluvar kottam branch but they are told you amount deposiot on cover rs1500 and again i am paying rs500
the employe are doing frode work i am now deside i am ready to close my bank account i am realy very upset i am send this mail to rbi and my friends and all the bank id with in 5days
my family member 5 icici bank i am imdetly close my bank account

my contact number9962689247 in india tamilndau chennai

sir plz send all my card transactions bill in detail from first transaction to last transaction to this mail id korumilli_kris78@yahoo.com

I reciced statement of July 15, 2008 and my credit card no. is [protected]. in which Rs 112.36 charged for depositing cash payment. I usualy paid cash but no payment is charged for the cash payment. If there was change in your bank
You should have innformed me by sending message to mu mobile no. which is [protected].
I am an house wife and can not efford such payments Which is charged withot intimation.
So, kindly waieve off the said amount this time in future I will pay by cheque.
If you are unable to waieve these charges I have no option left to cancell my credit card as my husband is not allowing me to coninue my card to pay such charges
Jasbir kaur

MD ABDUL SATTAR

A/C NO : [protected]

I WANT AS EARLY AS POSSIBLE MY CREDIT CART STATEMENT IN DETAILS HOW MUCH AMOUNT TO PAY TOTALY

PLEASE SEND ON MAIL ID

gjs_sattar@yahoo.com

Please can u send me my credit card bill in detail,

A/c no is [protected] )

Please me as early as possible on my e mail id,

I have received an SMS regarding bill payment saying "Your credit card bill of Rs. 4128.31 for card No. 4477xxxx9000 with due date IMMESIAT has benn dispatched on 24-05-08 by AWB no. L5185242. Sir I have never applied credit card and I don't use any credit card of any bank. Please make sure that in future I won't recieve any such messages.

Vikram Goyal
[protected]

sir/ madam

from the last three month my wife talked with our customer care to give us waiver which they have charged without sending the bill/statement, they also comfirmed that deposite the normal we will proceed for the waiver, the march month they charged with interest 2100 approx, we cleared the minimum payment that was 475 we paid 500/- next month they charged Rs 2600approx, we didnt pay the minimum amount thought they will send the waiver statement, but again they charged interest now Rs 3000/- & THIS MONTH

WE ARE RECEIVED THE STATEMENT AFTER THE DUE DATE THIS MONTH

What going on? I am not in India.

i am holding a gold card. since 4 months i am not receiving any statements from icici. Eventhough i am paying regularly but they are charging interest late fees etc
I asked many times how they re telling calculating the amouts nothing is clear to anyone .
one person calls and tells that he is from collection department he will be having no information .
last month i have paid 22000
no statement and it seems they are charging interest latepayment etc.
how many emis are there
how much balance emis are there
how i have to pay
pl. send statements and dont charge interest.
thanks,
sridhar

I HAVE LOST MY FAITH AFTER HOLDING MY CREDIT CARD IN ICICI EVEN MY SALARY ACOUNT IS THERE AND I OWE 30K WHEN I CALLED FOR MY CREDIT CARD DETAILS ALL EVEN MY CARD NO., DOB WAS BEING TOLD WRONG..I DECIDE TO SETTEL MY CARD IN THAT ANS..

RANJAN
[protected]

SHAME ON THIS BANK WHOM I TRUST FOR MORE THAN 5 YRS..

Date 19-01-2008

To,

ICICI Bank Credit Cards

Sub: Application for Adjustment of Accounts
Ref: [protected]

Sir/Madam

I want to draw your kind attention toward outstanding amount of my Credit Card No. [protected] which was being used by me upto some time before. Due to some unnecessary Interest, I had sent request to write off the amount, but you did not give me any response. So I surrendered the card and sent the request to make full & final amount vide my request no.[protected] and many phone calls in your collection No. [protected],[protected] but I am sorry to say that I did not receive any response from your side till now where as my penalties are continuously increasing .

So I therefore request you please settle my accounts with in 15 days otherwise I will be forced to take legal coarse.

Thanking You

Yours truly,

Manish Jain
011-[protected]

I am experiencing the same with ICICI. Bunch of ### siting there.

my name is santosh srivastava and my card number is [protected] I used your abnamro gold card for last one year and I make all your payment timely and for this your bank give me lots of tension in july statement he put me a get set go offer without my permission and after requesting they can reverse but in aug statement for that get set fo offer they can put me finance charge and overlimit charge and also service tax & I already request at your Costumer care no. for 4 to 5 times and after that they can only reverse overlimit charge and I Sept statement they were charged me another time finance charged so I want to make sure that I am ur realiable costumer so u also realiable for me . Thanx

Please try to make my prblm solved fully.

Dear Sir,

Kindly refer my credit card # [protected] and your statement dated 30.07.2008, in which i have been charged Rs.200 for cash payment on 29.06.2008 and 22.07.2008 respectively. Though you have advertised that Rs.100 will attract to cash payment i am un happy with this kind of charges. And more over this happened all of sudden while the payment was made in the counter.

When i spoke to your phone banking Officer, he said such payment is must and further i can contact the management.

Please see that if such charges can be avoided.

Atleast do not charge any late payment charges for this Rs.200/-.

Another request is that i may be provided with the list of items can be raised for my accumulated Points.

Thanks & Regards,

M Lena
[protected]
91 - A, 4th Cross, Gokul Nagar, Rajakilpakkam, Chennai - 600073

mr. amrtipal singh has done a fraud with ur icici credit card aas well personal loans
addrss ta115/5 om vihar uttam nagar new delhi 110059
near abt 3lakh is the amount which he has owned by the benk throuhg card and personal loan service 2 yrs back but now he has changed his name identity and phone number
he is staying at the address till now with his wifes and kids
upto some extend his wife is supporting to hide his original identity
presetnly he is residing by the name rajan singh with the new driving license and pan card on this name
which he was ale to make anyhow
but whenever the court notice come over noone recevice that so that case do not get forwarded but u should do something to trap him if u ask a question to his wife thats what the proof that mr. rajan singh (the man staying with her) is her hubby she will b unable to give u any proof whatever documentation she can give u is mentioning mr amritpal singh
as well he was working in a compnay with the changed name as far i know when the last time one yr back the recovery agent visited mr amrit pal singh for recovery he said do u know that i m amrit or rajan how cna u proov that i m amrit
as the agent was not having the photo of him
so better if ur bank wanna recover ur money then u have to search out his pic in ur records and then u can trap him earlier he used to keep moustaches but now he is clean shaved
therefor i would request u to plz do the need full bcoz this man is a big fraud and fooled lot of peoples

thanx
ur well wisher

was looking for new credit card, went to creditcard lab, next millennium mastercard was the card for me, promised results in 60 seconds! Needed proccessing fee like most do gave them money, never heard from them again!

i am Anish P H from chennai. i applied axis bank credit card before one month. my application ref no is 1356529. my address and company verification is over, but still i didnt get the card. i would like to know my card status. so please inform me this through email or to my mob. my mob no: [protected]

after so many regorius efferts, still i am not getting sms alert on my mobile.

WILL LIKE MY REFUND BACK NOW DID NOT ORDER NO DAMN CREDIT CARD THE AMOUNT IS $131.74 NEED MY REFUND

We have not been properly informed about what the column indicating “minimum amount due” and if we keep unpaid the amount, the interest taxed on etc. So we were charged with interest abnormally in the month of December 2007 & January 2008 month bill. We also not properly informed of the Lombard. So we intended to discontinue, but you again and again charging in the account of Lombard. We do not intend to pay it because we have already discontinued 2 months back. We have already paid some amounts, which is again a loss to us, but still you want us to pay Rs.5995-30p. the head of “Lombard EMI Principal”. That we are not going to pay any way nor there is any agreement for such payment; therefore we are not bound by any contract. We also informed your office to cancel our card. We are not going to pay the interest, which you charge against the norms and guidelines of R.B.I. We are going to pay the amounts, which we used the card for any purchase of articles or commodities, but not other amounts, which not reasonable and amount borrowed from you.

Dear Sir/Madam,

As per my conversation with you I need to bring to your attention my experience as an ICICI Bank customer.

My name is Hukam Singh, Jaipur, representative from ICICI Bank Limited Jaipur called me for Personal Loan and I filled up an application for Rs. 50, 000/- as Personal Loan from ICICI Bank before 2 year, Bank representative collect all documents required for Personal Loan, and told me that a Bankers cheque / DD of Rs. 50, 000/- as personal loan will be given to you with in 7 days.

After 15 days representatives of Bank told me on telephone that you came to branch and collect your cheque, you also bring 8 blank check because bank keep 8 cheques as a security and will returned you after completion of your loan.

I reach at Raja Park Branch and give him 8 blank cheque, after two three hours the bank representative said Credit manager went to main branch by a urgent work so you collect your cheque tomorrow. Next day he told me that your cheque of loan will given in next week because approval is pending.

After one week bank representative Mr. Pankaj told me that your approval has cancelled and I will return your documents and cheques after two three days because I am out of station.

But bank representative Mr. Pankaj have not returned my documents and cheque, after 1 year, in the month of August 2008, he called me sir, my friend is credit manager and your apply this time for loan, This time definitely we will give you loan, you give copy of your driving license and pan card and one photo.

On 10th August he came my office and said sir I will collect documents tomorrow from residence, you sign on this application form, I have signed on application form for PL of Rs. 50, 000/- and given him copy of driving license, pan card and one photo and next day has not came at my residence and within 7 days without any information Bank credited my SB account by Rs. 4, 88, 764/-. I was very surprised and told to bank representative Mr. Pankaj that bank direct credit my SB account by Rs. 4, 88, 764 in place of 50, 000/- by mistake.

I asked him for this heavy amount, the bank representative told me that bank released this fund in your account on behalf of your credit and good relations, but I don’t know, without any sanction letter, terms and conditions, without any income proof, bank credited my account by a heavy amount. I told to representative of Bank that I want to return this amount to Bank because I am not capable to pay interest of this heavy amount.

Next day I went to Bank and meet to loan manager and explained this problem, and loan manager have also told that we can’t help you because loan sanctioned and disbursed from Mumbai, so you contact after six months (means in the month of February 2009)

I meet to the branch manager, ICICI Bank, Mansarovar, Jaipur, he also told me that our Personal Loan Officer told you about this, loan office also repeat same language, bank have released the amount in your account, now before six months can not settled, you have to pay atleast six installment of Rs. 16030/- per month, after that we can close your account.

In the month of February 2009 I went in the branch and I said for close my loan account but manager said you have to pay 4, 72, 000/- + 5% closing fee ( that means around 5 lacs) Bank already withdrawal 96, 180/- from my saving bank account with in six months.

I have write many letters from August 2008 to March 2009 to Bank Officers (chairman, PL Manager, Branch Manager, CEO, Collection Manager, Credit Manager at Mumbai, Delhi, Chennai, Jaipur etc.) to close my personal loan, I also went in lok adalat in Jaipur in the month of February 2009 to close this PL account but have not received any response.

I explained to the Manager of ICICI Bank that I am working in an NGO, my salary is 6500 per month, residing in a rental house, how will I pay 16030 per month, please cancel my loan immediately, but bank had not listen my request.

Till dated I have not received any sanctioned letter, any terms and conditions, I don’t know what is the procedure for return the loan.

I planned that why not this amount invest in business and earn more money so that we can pay this amount with interest to bank and I have invest 4 lacs in market and lost this money. This time I am in depression of losses.

Bank representatives alternate day came at my office and residence for recover the money, many time I requested to bank that my income is 6, 500 per month I will pay this money from my income but they are doing bad behave with me and my family.

Executive of ICICI Bank doing behave with me:

1.Use ugly language with my wife and gave her mental torture.
2.Used foul and raw languages
3.Gave threats and was very abusive.
4.Taunted and tried to humiliate.
5.He was adamant and said that he will come in the night time to disturb till the time we do not pay him.

Mentioned a few words that they used, have a glance at the following utterances of that person –

1. "Jab tumhari paise wapas karne ki aukaat nahi hai to fir loan kyun lete ho"
2. "Ya to payment kar de, warna bahut tarike hain bank ke paas paise lene ke"
3. "Ek to tu payment nahi kar raha hai, aur upar se pooch rahi hai ki bank ne kil aadhar par lon diya hai".
4. ”Ham paisa dena jante hai to lena bhi jante hai”.
5 ”Tumto Kya Tumhara Bap Bhi paisa dega”

These are not the only statements that the bank executive used, but were also accompanied by an offensive and abusive behaviour and language, which is legally and ethically against the Human Rights and Indian Penal Code.

I am filing a case in this Consumer Grievances Redressal Forum Jaipur and had appealed this court to make ICICI Bank and their recovery officer and agents involved compensating me for peace and happiness. I am also filing a case in Banking Ombudsman site www.bankingombudsman.rbi.org

I am attaching a said rules released from RBI so that consumers can get awareness where to go if they are facing same traumatic tensions or experiences due to financial institutes. An appeal is also be made to President of India and PIL should also be filed in Supreme Court about the Financial Institutes or Banks like ICICI bank and collection agency who misuses power of Section 138, 420, 406 on innocent clients. As because loans are taken by peoples to improve self quality of life and not to spoil own career. Circumstances at all time do never remain the same.

However during the course of loans, paying EMI - Business, health, and services can cease or pause, Natural disasters, casualties, diseases, accident, incidents, profit and losses are beyond human controls and bank should understand it. Wise bankers should not consider every client as cheat or slave. During such situation if the client fells, Bank should cooperate and not traumatize and humiliate their customers.

In all fairness, ICICI Bank should have at least checked our credit worthiness before going on this harassment and hounding 'rampage' till we had no option but to carry out our own investigation and point out the problem your Bank.

We hope that you take note of this experience and prevent the same from occurring again.

I am fully in depression, I don’t know what I have to do. I have lost my job presently I am jobless.

A copy of his letter is being sent to following people/email ID's –
info@aajtak.com - for necessary coverage
24x7live@indiatv.com - for necessary coverage
news@zeenews.com - for necessary coverage
dna@dnaindia.com
Thanking you,

Yours faithfully,

Hukam Singh
hukam1234@gmail.com
[protected]

I am Mr. Navinchandra V. Mehta and my Residence Phone No. is 079-[protected].

I have been getting a call 3-4 times a day in the name of Mr. Ratilal Patel from (022-[protected] and 022-[protected]). and I dont know anything about Mr. Ratilal Patel.

By making an inquiry of abovementioned two numbers, I come to know that the above two numbers belong to ICICI Bank Ltd.

In response of each and every call, we have told them that this no. is of Mr. Navinchandra V. Mehta and not of Mr. Ratilal Patel but again we receive the same call in the name of Mr. Ratilal Patel. and we have been getting lots of missed calls from these numbers since last 3-4 days. and when we are also unable to call back them and these numbers are found to be specifically made for outgoing calls.

We feel much disturbed while receeving calls from 022-[protected] and 022-[protected] and to some extent we also plan to file F.I.R. to the police station for harrasment against these two numbers.

can anybody advice us and guide us regarding this?

I think if so many people are complaining about the harrassing calls made by these agencies, why is there nobody taking heed of this. Is it because there is a lot more to look into in the system in our country and these are petty things to deal with? I think there are rules and regulations for everybody, and unless defined the collection agencies are taking things for granted, even though they know the guidelines. Somebody should look into this matter closely.

I've been getting a lot of calls from these two numbers (022-[protected] and 022-[protected]). I believe these numbers are from a collection center operating somewhere in District Thane, Mumbai. These people just don't give a chance to pick up the phone before disconnecting, and when I finally speak to them, I get the answer as, "Sir, you must have not picked up the phone, so obviously it's going to be a missed call." I think I should have at least the time to take the phone out of my pocket or from my table before it goes into a missed call log. Please, if somebody can help me, please do so. By the way, I'm visiting the loca ICICI branch here in Nagpur for my loan which is over, but still these calls are about 4-5 times per day. I've tried calling back, but it seems these numbers are alloted as only for outgoing calls.

Wants to talk with head of department in Lucknow Reasion.

Yes it is right this department is very bad.

my credit card no. [protected].
please discountinue my credit card immediatly
thanx

sandeep chopra
[protected]
email: sanjuchopra1981@yahoo.co.in

In 2005 I received ICICI lombard Policies one after one on my credit card no.[protected]. After registering complaint about this, I went thru a series of telephonic discussions with various representatives from ICICI credit Card and finally they told me that my account is clear and I don't have to pay for the policies sent without my consent.
But now, in2009, when I applied for a loan in Axis Bank, I came to know that they have WRITTEN OFF the amount and reported me in CIBIL AS DEFAULTER. Now I can't get any loan from any bank until ICICI give me a CLEAN chit.
THIS IS SO UNFORTUNATE THING THAT AN INSTITUTION LIKE ICICI CHEATS AND CREATE TROUBLE FOR IT'S CUSTOMERS.
I don't know how to get the clearence from ICICI and whom to talk. Could anybody help me ?

pl send me my bills detail on my mail & also intimate on my mobile whenever i swap the card the net payment due
Please call me on my mobile [protected]

DEAR SIR/MADAM

I RECEIVED SMS THAT YOU HAVE SEND MY MONTHLY CREDIT CARD STATEMENT ON 22/8/08. BUT TILL DATE NOT R'ED ON MAIL SO, PL. ARRANGE THIS AT EARLIEST.

RUPEN SHAH

Hi,

Credit Card holder no=[protected]
From Past 2 months am not getting the statement from the icici bank credit card. How should i know to pay the amount.

Pls do neeful as soon as possible, and send the statement regularly to my resi address.

Regards.
R. Venkateshwar rao
Cell: [protected]

I have been using ICICI Credit Card since 2005 & am inclined to pay the dues regularly but subject to receiving a monthly statement, which is mandatory. However despite the new technology by which the Bank can forward its statement, it has not heeded resulting in unnecessary harassment of credit card holders (SBI whose card also I am using for past 1.5 year & without any complaint, uses my E-mail, sends SMS on my mobile sufficiently in time with regard to my payment dues & regular statement reaching my doorsteps almost 15 days ahead of schedule payment). In contrast ICICI has a very poor delivery system to intimate its clients of payment dues.
I have been requesting the Bank since 2005 not to levy interest & other penalities in view of non obtention of statements at my residence at Ramprastha- Ghaziabad (from 9/05 to 3/06). I had given in writing to the executive who was sent by Bank to collect dues with xerox of statement that I shall not be making payment towards interest & other charges to the Bank & to reverse the entries but to no affect. Although I have been making payments sincerely on my actual usages, the Bank kept on charging exubirant charges at compounding rate resulting in enormous dues. Even the Bank cannot provide proof of delivery of statements for the aforesaid period & yet is charging interest & the call centers have now started giving daily calls (by differnt persons), in avery harsh & crude manner without listening to my pleas.
Since I have been a regukar payer of y dues, the interest levied during initial stage & compounded since then is not warranted & I therefore appeal to the ICICI bank to reverse the outstandings forthwith & restore my card for usage(which is now blocked but interest is still multipying), failing which I shall be left with no option but to reach out to Banking Ombudsman, Redressal committee & other means to justify my case, which may be the cause of anxiety for several other users.
I therefore implore upon you to take up my case with the Bank & arrive at an amicable decision in reversing the entire interest & charges levied till date (with which my balance should come to credit)
My Mobile No is [protected]

A. Mathur

Dear Sir/ Madam

I am using the ICICI bank credit card from last almost 2 years. Today I was making a payment of my train ticket through the my credit card but It got failed in getting processed at that time as the transaction with ref. No. [protected] was not authorised by my bankers.

Kindly let me know why you have done like this so that I should cover the distances. As per my knowledge there should not be any issue.

Regards

ANil Kumar

Dear sir,

I lost my credit card from 15 days back and i lodge complaint aganest to that so for i am not yet recieved new.

Kindly do the needful.

Regards

Ravikumar.H

sir,
this is to inform u that regarding my credit card bill.
till now i haved payed nearly 20,000 rupees allmost 80percent has
gone for interest. so icannot pay further ,i want to settle total amount due.kindly arrange it approaching honestly please arrange for settlement

Hi,

I am a very frustrated ICICI customer.
They have huge staff - quantity - no quality.
They donot understand or try to help customers.
They make so many blunders, if it was US based bank it would have been sued many times.
Fortunately in India - banks are scott-free always.

In India, no bank cares for its customer in reality.
So this is life and accept it.

Mera desh mahaan !

Agree yar

Its the worst. Not only in a specific section, the whole bank is worst, we should never have a relationship with this bank. They should not be allowed to run a stuid bank like this with this stupid people.

Hello my Tata phone has been lost.

Please aviod ICICI bank. They are practicing unfair business practice very aggressively. These guys showed me how I can save by migrating my home loan from SBI to ICICI. I was paying 10% to SBI in 2005, ICICI was giving loan at 7% the lowest at that time. I migrated from SBI to ICICI. Today, still SBI is maintaining at 10.25%, but ICICI rate has increased to 12%. ICICI is charging highest interest in the country for it existing customer. Think, what happens when the interest rate gone up by 5% from 7 to 12. NEVER NEVER go for this bank for loans.

really they are very aggressive in finishing the target

case of fraud

cheques returne nahi kiye .seven month ho gaye.

I am not getting a proper solution after reminding many times.

Please reactive my credit card no:[protected]

There happened below transaction without my knowledge of amount- 20, 476.53 on 15th July.

15/07/2014 15/07/2014 VPS_PREMIER INN4 dt.05/07
/14 Dr. 20, 476.53 16, 982.52

Card Number- [protected]
Account Number- [protected]

Below are the valid transactions done with merchant- Premier Inn.

On 5th and 7th I swiped card for amount 9832.00 and 21160.18 respectively. Later on 10th July 12, 235.85 was refunded because, I stayed 1 day less in the hotel.

13 10/07/2014 10/07/2014 REF PREMIER INN44018190 Cr. 12, 235.85 73, 076.91
--
16 06/07/2014 07/07/2014 VPS/PREMIER INN/[protected]
20913/1 Dr. 21, 160.18 62, 220.35
17 05/07/2014 05/07/2014 VPS/PREMIER INN/[protected]
22515/0 Dr. 9, 832.00 83, 380.53

There was no additional swipe done at the hotel. I verified with them about the fraudulent transaction but they were even not aware of it. They have shared the statement of transaction done with my card and it didn't include the amount deducted on 15th July.

Even I didn't receive any email form ICICI for the amount that was deducted on 15th July.

I am currently in UK and had only single International card of ICICI which I have to block due to this fraud. Neither I have enough funds to live here after this fraud.

Request you to look into this with topmost priority and do the needful to refund the amount sooner.

I can be reachable at +44 [protected]
No acknowledgement or response has been received yet from ICICI Bank yet. I am outside India now and will be here for few more months, hence needs this to be resolved ASAP.

gugihlo

Hi,

I am Nehal Bhandari. I went to an ATM Machine placed in sector 22, Gurgaon for money withdrawl. I swiped my atm card and tried entering the pin number.The ATM Machine got hanged.I tried cancelling the transaction number of times but nothing happend. Then, i took Rs 6000 from the ICICI ATM placed next to it.The transaction was successful without any hassle. When came out of the ATM i got two messages.One for Rs 6000(which was genuine) and another for Rs 20, 000(which was shocking). I have not made this transaction and it was due to the atm failure.It was a fraud transaction. I want my money back. It is not done by me and i should not suffer because of the ICICI ATM mistake.Please resolve my issue within 3 days otherwise i have to make some other choices to get it done.I aspect that you will help in the problem your customer faces. Let me know if any further details required from my side.Mobile No:-[protected].

Dear ICICI Bank,

I received one ICICI bank credit card three months back with 45000 credit card limit and used it for one month and received the statement with adding the yearly charges which was not intimated me while applied for the credit card. I called to customer care and informed the same and requested them to cancel the card. He was told me that they will reverse the yearly charges and asked me to use the card for one year and told me to go for the cancellation before completion of 1 year. I said okay, and still the next month statement contains the yearly charges and with extra penalty added. I called to customer care again and they have taken request and they said they will reverse all the amount which is there in my statement. They reversed the extra penalty amount but not the yearly charges. I called customer care again and told the same and they have taken the request and still they did not resolved my issue.
MOB: [protected]

Thanks and Regards,
______________________
Kishore babu G

hi im ashok r shah, my costmer id 3968639, im always time to time payment taken to you whay i m late fee, interest charges givan to me, this your branch folt not a my folt, your icici bank is not a perfect bank becuse not 1 or 2 time 5time i m always payment givan to you.

dear sir, i am gaurav parekh and my card number is [protected] and i am using this card from nearly 18th month and i have used nearly 80000/-rs in this and i am also a reguler payement making custmor that you can see my past payments but i am not gatting any reward point for my uses my statment always sawing o earning untill today i think this is not possible after 18 months and my request is that if i am earning or holding any rewad point than please transfer my point to reedemt it and send me all petrol voucher if i am holing any points.please looking to matter and please reply.thanku. gaurav parekh.

To,
The
Manager icici credit card
I bring to kind notice please send me my credit card statement my credit no is 477-----3005and my mobile no is [protected]

I had exactly the same experience. What's more I had got the invitation from the bank itself, not from some bank-agent, who may do such things for commissions.

Same thing, 4/5 verification calls, every call 15-20 minutes. Finally when I got pissed off and said that I have changed my mind and no longer wish to apply for the card, the executive coolly says sorry and says he'll do the honors not to dispatch the card. God knows, if they declared me unfit for their credit cards.

That was for gold credit card, now I get Titanium card offer.

Hi,

When I applied for personal loan, ICICI people told that ther eis no processiong fee for our company.But when they approved loan they deducted processing fee. At that time I asked them to take bank loan amt as i am not interested in loan if processing fee is there. At that time they told that they are going to adjust that amt in the last EMI.But they have not adjusted and when I called customer carethe response is also bad.
Currently I am in USA and if you need any clarification please call me @ [protected]

Regards,
Madan

Icici Bank is trying to cheat customers who are running personal loan with it.
I took a personal loan for 4 years term and the banking is trying to extend its term by one more year. it mens that bank is asking me to pay extra 12 EMIs. It is a clear cut cheat, cheat cheat...
Beware of it.

Dear Chanda Kochhar Madam,

This is with reference to the above subject.

I had the most harrowing experience from ICICI Home Loan Department in Borivali(W) from the customer service representative.

I went to the Borivali(W) branch around a month back to enquire about how to convert the existing home loan to the new rates and again went on 30th Jan 2010 and met with the same customer service representative but both the times she gave me different details on the schemes available for conversion and second time she even told me that there is no scheme available for conversion and she has never told me about any such scheme.She even failed to recognize me and told me that nothing can be done.

I had taken Home Loan in 2004 and my current rate is 12.75% floating, my FRR/PLR is 0.75%, so effective rate is 12%.

During my first visit, I asked the customer service representative on the process for conversion and she told me that I will have to pay 1.75%+service tax to convert my old home loan to new rates of 8.75%. I told her that this is not fair and there should be something for the existing home loans customers to convert their old rates to new ones without any charges.
She first made some faces and then told me that she can give me 8.25% fixed for 2 years and floating rate thereafter with no conversion charges if I make an Investment of INR 50, 000/- per year in ICICI Purdential's Retirement Plan with no entry and exit loads.She was very keen to sell the Investment Plan and was not bothered to listen to my problem. I told her I cannot make the investment, so she told me that I will have to pay the conversion charges.

I do not understand why ICICI Bank wants to penalize all its old customer's with such conditions and lack of transparency, why does the bank want to charge any conversion rates for customers who wish to increase their variance, why is ICICI Bank asking its representatives to sell ICICI Prudential Products to convert old home loan rates to new.

Such behavior from customer service representative of such a reputed bank baffles me completely.

I have the below requests to ICICI Bank:
1.Convert my existing Home Loan to New Home Loan rates and give me a Variance of 4% fixed for the entire tenure.
2.This conversion should be done without charging any fees.
3.I should not be asked to invest in any ICICI Prudential Plan.

I request for an early resolution to my problems.
My Home Loan Account No is:LBMUM00000842460

My Contact Details are
Hitesh K Soni
[protected] (M)

ICICI Bank hosted my current account for a small home based firm, I lost thousands and I did not realize that they keep taking my money till yesterday when I checked in the balance was Rs.250 ? So if you maintian a penny less than 10,000 they take your whole funds away ! I am extreamly disappointed in their fraudulent banking pactices. "Hum hai Na ?" What the heck is counting charges, if you put 10,00,000 and they take away 10,000 for counting counted fresh bank notes ? For every penny you put in their account whether it is Rs.100 to whatever they have a fixed service charge of equivalent proportions ? How did these cheats get so big ? I vow to quit ICICI forever !

There may be any understanding or communication gap or mis understanding. I have two joint account at Ahmadabad for last three years and availing other banking services regularly. I have experience much better than other bank. I have my one account with SBI and one another in a Co operative Bank, the services of the SBI and Co operative Bank are not bad but comparing to the ICICI, SBI's services have lower standard.

I fully agree with Mr. Prasad. ICICI's behavior is really very bad.

I am the seller of a property in Bangalore.

All property documents / details had been provided to buyer before loan sanction.

The buyer insisted that he would proceed with agreement only after he got it cleared through legal / technical team in ICICI. Valuation people came on Feb 25th or so. They apparently gave him the go ahead, after which we signed the sale agreement on March 1st.

The buyer has given EMI cheques and everything was supposedly ready for disbursement, with registration scheduled for April 3rd.

Now they are raising an objection due to horizontal deviation, deviation from plan and lack of setbacks

Mitigants
The property in existence for nearly 10 years now
Taxes up to date
All construction in the area is similar
ICICI Bank had funded the property in 2004 and loan closed only in Jan 2010.

The loan amount approved is about Rs.20 lakhs, when purchase price is Rs.36.9 lakhs. The buyer is contributing almost 46% (Rs.16.9 lakhs). Properties in the area are sellling for Rs.40-50 lakhs. Considering that, the risk to the bank seems low.

My parents have paid an advance for another home in RT Nagar and were supposed to sign the agreement today (25th) and move this weekend (27th and 28th)

I spent almost $750 to get the PoA attested by the Indian Embassy. They asked for several documents at different points of time, but we gave them everything. They even asked for my PAN Card details, saying it was required for disbursement.

After co-operating with them completely, why are they raising this issue now?

The buyer and his wife are both employed in good companies (Fidelity and Infosys) and their down payment is quite high. Its not as if they are going to default on the loan, even if someone raises an objection later on. I am sure they will deal with it and resolve it.

Did it take them ONE MONTH to realize that there are technical deviations?

If deal falls through, who is going to compensate for all the expenses, incurred by me as well as the buyer?

I fully intend to ensure that the buyer takes up this matter in Consumer Court for compensation, since I would be deducting all my expenses + penalty from the advance payment that he has made.
Facility vide application number : [protected]
Franchisee code : ADM-[protected]
Reference Number : [protected]