ICICI Bank
Reviews and Complaints

I have tried all I could but could not raise a relevant request to my query. The process to raise a complaint or service request(as ICICI likes to call everything) is complex. None of the options available match easily and if they match then sufficient details are not taken from customer

I have been fradulently charged INR449.44 by ICICI Bank Credit card department for no mistake of mine on 2nd April as a late payment fee for Jan 2013.

My ICICI Bank account shows that INR3168.54 was deducted on 10th Feb but the transaction was not reflected on ICICI Bank credit card until 14th Feb as ICICI bank systems were under upgrade. This is clearly a system problem and not a customer problem. I spoke to phone banking officer and he promised that the charges will be reversed but the charge has not been reversed yet.

I am not sure how people continue to bank with ICICI. I would never advise anybody to open an account as this bank is always ready to defraud customer the moment customer drops his hat.

Thanks and Regards,
KGM

I, Prasun Chatterjee one of a Credit Card applicant of your Bank (ICICI Bank) is writing this mail with a great sorrow and insult.

Please find the case history against the Credit Card that I have applied for.

21st Feb '13

I have received a call from one of a telecaller who has requested me to apply for a ICICI Credit Card. Since I was having a requirement of my 2nd Credit Card, so I have agreed to his proposal and also requested the concerned to send somebody to get the documents collected from my office. I have also verbally confirmed about the benefits, terms and conditions of holding the said card.

22nd Feb '13

Mr. Rocky Saha bearing Mobile No- [protected] has visited my office and verified all my original documents with the photocopies required to fulfill the criteria of holding your bank's card.

At no time I have provided him the photocopies of the following documents-

1) 1 Passport Size Photo
2) PAN Card photocopy
3) Voter's ID Card Photocopy
4) Last 3 Months Salary Slip
5) Last 3 months bank statement of my Salary Account
6) Office ID Card Photocopy
7) Front side photocopy of my existing SBI Credit Card

He has filled the application form in front of me and also asked to get them signed in the required field. I have also kept a photocopy of the filled form for future reference.

Before leaving he has assured me that I will receive the Credit Card within 10 days of post positive verification.

25th Feb '13

The verification against the applied card has happened at my office and as well as in my residence. The concern person has met me in the office and my father was met at the residence on the same day as I was in office. They have also called up in my office landline number to verify my presence.

14th Mar '13

Post the required verification from your bank, I have received a sms stating "Dear Customer, your ICICI Bank HPCL Platinum Chip Credit Card has been sent through BLUE DART Courier, AWB43512761154 on your registered mailing address.

18th Mar '13

I was not having any communication regarding the delivery status of the consignment, so I have tried to check the same online and absolutely astonished. The status of the delivery on 15th Mar '13 was "Consignee not found at the mailing address", and I was not having any update on the same, earlier.
At no time I have called up the Blue Dart helpline number [protected] to know this in details. The lady who has attended the call, instead of assisting, she has charged me with all irrelevant questions. I convince her to take another request for the delivery. Finally she has informed that there will be a second delivery which will happen on 19th Mar '13 at my office address within 2pm to 4pm.

19th Mar '13

When nobody has turned up, I again called up at [protected], and got a verbal confirmation that my office address could not be found/traced and thus the delivery could not happen. I have confirmed them that I have been in the present organisation for 4 Years 3 Months and I work in the same address since then, however, instead of listening to me, they were continuously accusing me as if I am a defaulter in your bank. I have finally requested them to get the same delivered to my residence address. After few hours I have received a call from the delivery supervisor and got another shocking comment that my residence address is also incorrect. I have got the address confirmed from them and got the exact address as to where I stay. I could not control my sentiment at that point of time, because I have got all my correspondence in the same address and I have been staying here since birth then why are they denying to send the consignment there. Most surprisingly, the delivery supervisor has also taken the security supervisor in conference without my notice who has threatened me that he will ensure that I should not receive any Credit Card from ICICI Bank. Everytime they have charged me as if I have done the greatest mistake of my life in applying a Credit Card of your company. Finally I have disconnect the call and thought of getting the issue raised to you.

Regards,
Prasun Chatterjee

I got coral credit card from ICICI bank, When they have provide me card, then their Representative told me I should pay 500 for joining fee and 500 annual charge becuase your company(in which I am working) in A catogary and i will get 3000 gift from ICICI . When I started use card, And i got first month bill, which have 1000 joining fee. for this issue I called to ICICI customer care, believe me ICICI customer care service is one of the worth service in india. they log my complaint, and told me they will call back me for my issue. But you believe me from last 2 month I have still not received any call from ICICI bank. I tried many times to ICICI customer care but they didn't my call and after 10 minutes my call is automatically dropped. Now they are sending me continue bill . I have told to them I can pay only bill, which I have used, but they are sending bill every month. with interest whenever my card is blocked from last 2 month. I have already paid bill which I have used, But didn't pay joining fee and anual charge because I don't want to use this card. before 4-5 days I have again raise a another ticket which number is 255742, Representative told me they will call me with in 24 hours, but I still have not received any call from ICICI bank. ICICI bank don't have any mail id for complaint. Please suggest me what should I do they are sending me unusual bill to every month. I have many credit card from other bank. But ICICI service is very very bad as my experience

Hi,
My mother approached ICICI bank to get a locker. They insisted to open an account and she did. She also deposited the required money for the Locker fee. And some amount to the account.
But Inspite of that the Bank manager insisted that she should take an Recurring Deposit (with recurring payment of 50000 Rs). And only then My mom would be able to get the locker facility.
So My mom thought it was necessary to take the Recurring payment and So she said she would take the RD to the manager.
But This manager has made her to sign documents for "ICICI Prudential Life Insurance" Guaranteed saving insurance plan. Without explaining her that this was an insurance and not a Recurring Deposit. He made her sign with false statements. The key part is she thinks this is an RD until we noticed no RD account created even after 6 months and that we received the Insurance Documents.
Please help us with this regard. We do not want to pay any insurance now and We have been mislead/cheated.
Please help or I am planning to take legal assistance.

Thank you
Rajaganesh

Since last more than six months I am not receiving the monthly statement from the icici bank credit card and tthe last time I received the statement on last day of payment I e on 22nd/feb /2013 than they charged late payment fee. When I am not getting any statement in time why should I pay this charge? For this I have talked on [protected] but result is zero. They told to deduct the charge of 400/- but the result is nil.

I received a call from them and they told that we are selected by a lottery for the car ...
They asked us to deposit 30000 rupees . So that they can give us a alto k10 my making some investment by them and few from our side ... We deposited the money and now we are looted by them...so plz contact as soon as possible on [protected].
Email id - [protected]@gmail.com

Dear Sirs I purchased a life insurance policy through icici bank Mumbai, Fort Branch when I visited india in February 201. The bank debited my account with 50000.00 Rupees and raised a draft in favour of ICICI Prudential Life insurance To date I have not received any policy documents. When I wanted to complain about this they would ask for an eight digit Policy number. The bank supplied this to me yesterday and when I gave the same to ICICI Prudential they could not recognise it. I was also recently coned into applying for another life insurance policy in January of this year for which I paid a Cheque of Rupees 100100.00 again no surprise as I have not yet received any policy documents.

Mansukhlal Shah
75 Princes Avenue
Palmers Green

London

N13 6HA

tel [protected]

Email:[protected]@yahoo.co.uk

1) Harassment for getting information for account related issues (inward remittance) by way of using RBI verbally and refusal to put the same on via email.
2) Outright denial of information with regards to preferential rates for my remittances, when asked to put the same on mail, i was told query has been forwarded
to concerned department, no word on the same yet.
3) Witholding remittance until the information was given and refusal to put on mail why the same was asked for. Repeatedly saying RBI has taken your account under scrutiny but not putting the same on mail by both Ms Jaya Kachhwaha and Mr Ravi Chandra
4) Constant calls and emails for marketing and promotional information, even though i have specifically asked not to be called for anything apart from account related issues and i am also registered with the Vodafone DND. Yet when there was a problem with my cheque issued for my insurance no call was made and had i not visited the branch for the same i would have lost my insurance.
5) At the time of account opening i had clarified and was informed that no charges whatsoever will be levied on my account for the remittances and yet i am continually charged.
6) At the time of account opening i was forced to agree to maintaining a balance of Rs. 50, 000/- to which i flatly refused as this is a savings account.
7) At the time of account opening i was informed that the Debit card is F.O.C. and if i opted for a credit card i would be charged annual fees. I have a debit card and i am being charged annual fees for the same.
8) Absolute refusal to put any of the information that i have been given on mail by Ms Jaya Kachhwaha and Mr Ravi Chandra and the person who aided in the account opening.
9) I had asked for information by way of mail from Ms Jaya Kachhwaha on whom i can take my issues to next, my mail was ignored and i was not provided with the information. I had to go to the bank and take a picture of the information on who to contact next in case of unsatisfactory resolution.
10) Further to this i have addressed their customer care a Ms. Preshetha Unmesh, who keeps going round and round and assuring me of a resolution, but none is forthcoming. After whom a Ms Rajni Nair took up the case, who is an absolute champ at making excuses for the Branch officials behaviour and asking for 3 more days please, 3 more days please. Again on asking for who to take my complaint to next so that I can get a resolution instead of a run around, no answer. She outright ignored the mail. KYC is useless, they call me by my dad's name and call me MR. Just how much more can they show their ignorance. This is AFTER correcting them twice!
11) I was asked to close my account and told to go elsewhere by Ms Nivedita Suvarana, who called herself Branch Manager a few years ago.
Their so called Branch Managers and CServ Cluster Branch Manager Mr. Anand Ganediwal know nothing but intimidation and how to speak nonsense and yell at the client. He calls me for a meeting post banking hours, even though I clearly mentioned that I can come during banking hours, to which his response is I have other things to do, I am very busy. Even though I specifically requested that henceforth all communication should be via email so that I have proof of what they are saying to me, he calls and yells and asks me to drop the complaint. “Aap ko samaj nai aata? Ek baar bola toh drop the complaint!” I am not going to drop the complaint.
It is supposed to be protocol that when these people take ANY documentation from you that you are to receive a copy of the same, dated, signed and stamped by the Bank official. Yet when I asked for the same, I was told “Oh, YOU want a copy? Is it?”
This is an ongoing issue and i am being harassed for no reason, even after providing information.

There is not one person that i have come across who can actually read and explain a SWIFT copy and its charges ... I tried calling Mr. Anand Wasker on 022 [protected] for 3 days continuously and got no answer. So i went on to the next step of meeting with Mr. Shiva Kumar Tadikonda as per the address below and the intimation by the Ombudsman. However, when i reached the BKC office i was kept waiting outside for almost 45 mins before a security pass was issued so that i could go in and register my complaint (Please note: A day prior to my visit for lodging a complaint with the BKC office i called - 022-[protected] which is routed to Hyderabad and i spoke with a Ms. Sandhya, who said please give us one more chance and someone will get back to you. I gave her one more day and NOTHING. I had called to ask about the BKC office timings. She did tell me 10-5, but she did not inform me that a prior appointment is necessary so that the security at the gate is informed with your name and time of arrival and you are duly issued a security pass for your visit.). I carried 2 copies of everything and had them receive and sign for it. – Ms Nessie and Ms Diana

Then too i was met by a Ms Nessie Athaide and Ms Diana Abey who assured me that they were meeting with me in lieu of Mr. Tadikonda. I was assured by Ms. Abey that i would recieve the minutes of the meeting, but i did not. After repeated calls to Ms Athaide, she says sorry that it was conveyed to you, and she did not mail me the minutes of the meeting. Again I was assured of 1 week, but nothing. I am looking to meet with Mr Tadikonda. Ms Nessie only informed me that the senior official is on leave for a week via phone, not mail. But who is this person, I do not know.
How do I meet with Mr. Tadikonda?
I could go on and on about their ineptitude and I have 43 pages of mail which have gone back and forth since September 2012, and similar harassment in the year prior. This time I am taking it up and I do not intend to let it go until i get a resolution.

Principal Nodal Officer
Sh. Shiva Kumar Tadikonda
Dy. General Manager
ICICI Bank Ltd.
South Tower Ground Floor,
West Wing, Bhandra Kurla Complex,
Bhandra -East, Mumbai-400051
022-26531377or call at 022-[protected]
E-mail : [protected]@icicibank.com

I have gone through a lot of trouble to finally get the meeting with Mr. Tadikonda and there has been no follow up or no desire shown to address the issues Again in the meeting Mr. Tadikonda, Mr Wasekar and Ms Diana all who were present had lots to say, but when it comes to action they are outright zero. There is no resolution power. Is there anyone who is capable of taking a decision? DIfferent branches of ICICI give different information for the same thing. When it comes to putting on mail what waws discussed, they do not know how to do so apparently. I had to mail them a sample of a minutes of the meeting format so that they know what it looks like and how to mail someone the minutes of a meeting. All thier staff that i had the misfortune to interact with only know how to behave badly and harass someone, especially if you ask them to stop harassing and repeatedly calling to DROP the complaint!

ICICI Bank seems to be taking advantage of its long-standing customers. I have had accounts with them over 12 years, and recently have noticed that they are taking undue advantage at customer's expense.
In both cases below, I understand they are a business and need to make money and I don't have a problem if they take advantage of the spread in exchange rates or wait for the best intra-day rate in order to convert USD to INR and vice-versa. However, I do have a problem if they take undue advantage by having a large margin above and beyond the highest and lowest exchange rates.

1. Money2India transfer service: They indicate that the E-Transfer service takes about 5 working days. However, I've sent out 2 e-transfers 1 week apart, and they both arrive on the same day, about 5 working days after the second one was scheduled. This is plain and simple taking advantage of the lowest rate with disregard to the customer who's waiting for their money.

2. NRE account repatriation: This is a bigger scam than the Money2India as well. In their defense, the online system is great and the money or Demand Draft is sent out within 12-14 hours. However, they seem to use an exchange rate that differs by more than 1 Rupee from the highest mid-market rate. I noticed it with 1 transfer, then did a second transfer a month later and saw the same pattern. I then sent them an email requesting an explanation but have not heard back (as expected). To prove my point, attached are 2 screenshots showing the same.
[a] XE.com screenshot -> Highest Mid-market rate for USD-INR on Feb 5, 2013 = Rs 53.35283 (lowest was Rs 53.03)
[b] On the same day, Money2India.com "indicative" exchange rate was Rs 52.58

The rate they used for my transfer was Rs. 54.3 i.e. 1 Rupee more than the highest mid-market rate for that day.

Now, I realize that the xe.com highest midmarket rate is going to be a little off from the highest "buy" rate for the day, and also that there is a difference between "buy" and "sell" rates. I also realize that ICICI bank needs to make money. What I don't get is why there is such a LARGE difference between the published rates and what ICICI uses. This seems like a classic example of them taking advantage of NRI customers who generally don't review the rate in detail and compare it with the market rates prevalent for that day.

And don't even get me started on their customer service and how quickly they respond (first initial "standard template" response is that we will get back to you in "5 business days"). If they screw something up, then they just start ignoring your emails. :)

To wrap up, I am generally a satisfied ICICI bank customer for 12+ years, and have recommended them to many friends and family. Last 3 months, I am finally getting disgruntled at their service and at the realization that I am being taken advantage of.

Thanks,
Chandan

I, P Kalyan Rao Naidu holding ICICI Bank credit card no. [protected] since 10 yrs. I have paid the amount Rs.27123 through SBI bank cheque no. 749609 on 13 jan 2013. as per latest information from you stating that you have collected Rs. 1581 as interest charges and rs.408 as late payment fee and service charges of rs.195 collected on [protected] and one more service charges of rs.50 collected on [protected]. since these 10 yrs i was very punctual in paying the bill amount. so i request you to remove the interest charges, late payment fee charges otherwise I am forced to discontinue the usage of this credit card anymore. You are requested to reply me soon through any means.
email id- [protected]@yahoo.co.in
phno. - [protected]

Hi,

I would like to bring to your kind attension about the pathetic operations at ICICI Bank. I have an ICICI savings account in Monunt road branch, Chennai, Tamilnadu. I came to Canada on a professional assignment.

My mobile number (India) registered with ICICI is currently not in use and there is no means for me to receive the URN or OTP! It is quite strange to learn that, the phone banking officer says URN through phone when we provide the account number, PIN, security password and other details to authenticate myself.

But, the same does not hold good for URN to confirm a payee! I was asked to send a postal courier to ICICI bank requesting the change in mobile number with proof of identity (Hard Copies). The entire process can take upto 3- 4 weeks.

Spoke with N Number of phone banking officers and all they could say is sorry for not being able to provide URN/ confirm payee even after I authenticate myself with all the necessary details. What is the point of having phone banking service, when you cannot provide a simple service to confirm a payee?

I was totally fed up of this irrational process and the customer service officers were not giving answers to the questions as they are not even trainned to give valid reasons.
One time icici site open-up change personal detail screen. Then I did update my canada mobile number on icici site. But for URN still the old india mobile number is showing
ICICI should either provide a feature to change the mobile number online or improve their phone banking services to help us better.

I want to transfer my money to my family immediately. Please some responsible people contact me immediately to my email ([protected]@hotmail.com) or mobile or I may take other possible measure.
Thanks,
Ponnusamy S

I had secured a loan of about 1 Lakh in 2008 and paid back in total about 1lakh 42 thousand against loan and interest. Now in Jan 2013 ICICI bank alleges that there were bounce charges accrued for a pending installment for last several years and harasses my relatives for payment of the bounce charges and pending amount of about another 30, 000. The payment is being cleared out now because I do not want to get into any more mental agony. But I would like to fight till the end to Sue and file a law suit against ICICI bank with the help of a Government agency to pull all the records from last several years where ICICI bank has been collecting those several 100s of criers fo rupees though these illegitimate and tricking practices of over draft fees or bouncing charges. I would like to bring justice to all those who are victims of thisractice from ICICI. I seek help of a right consumer protection agency to take this forward. Please help.

I applied for a NRE account in October. The officer who coordinated told me to send all the documents by scan so that it can be verified.
After his satisfaction, I agreed to send the documents and a cheque of 250 by post. The same was sent by me from my residence in Brussels and received in Mumbai office.
For address proof I had provided the rental agreement and rental receipts. I had also provided a copy of my resident card in Brussels which is the visa. However it was due to expire.
I had sent a bank cheque of 250 Euros from my bank account in Brussels, Belgium.

I was later told that the rental agreement and the resident card are not proper. I had got the renewed resident card by then so I sent it by scan to them.
But the officer insisted that the documents are not proper. As I had no other choice I requested to cancel my application and send my documents and the cheque of 250 Euros to me.

Upon my request I got an email stating the same things that my application is pending due to the invalidity of the above said documents. I again requested them to return my documents and
cheque and cancel my application. As a response I got the same email.
Frustrated I called the NRI customer care but they told me that they can not do anything and asked me to send an email.

I have been stuck in an infinite loop since them. I send the mail to cancel my application and send my documents and cheque to me and I get an email that my applicaiton is pending due to
invalidity of my documents. I clearly see that the mail has been sent by an officer and are not automated but I wonder if they read my mails.
I call customer care only to be told that they can not do anything and I have to send a mail.

It has been more than a month that I requested cancellation of my application and return of my cheque. I clearly see that amount of 250 Euros has been deducted from my BELGIAN account.
It has been causing mental harassment to me and resulting in loss of time and mental peace.

I have been banking with ICICI bank since 2001, having my NRE Account ( [protected] ), NRO ( [protected] ).

In the year 2009, when I approached ICICI Bank for opening DEMAT ACCOUNT, I was suggested to open SB Account, instead of linking DEMAT Account with NRE/NRO. The bank also took me the Voter ID, as the proof of residency, as my Passport copy was being used against NRO.

I had NRE FD and RD, along with few MUTUAL FUND investments.

I reported this to ICICI Bank BUND GARDEN branch (Pune) and requested for the change of bank account numbers for these Mutual Funds, and accordingly to close my NRE Account.

Though they have closed my FD and RD on the 31 October 2012, my NRE Account is still not closed.

I have been constantly following up with various bank personnel. Sending SMS, Sending Emails, and seeking desperate help to get my Mutual Fund account numbers changed and also get my NRE account closed.

Despite of my several follow-ups and reminders, its been months. But I dont see any action happening from ICICI Bank.

I reminded/followed up with Ms.Sneha Mutot (Bund Garden Branch), Ms.Asavari Patankar (Bund Garden Branch) - On several occasions. But they neither have will nor any Accountability.

Then I wrote to Customer Care, Marking Mrs.Chanda Kochar. Sadly - I dont see any difference as well.

Despite of me following up with ICICI Bank several times, and see no action from ICICI Bank, I will opt to close the below services;

1. Closure of my Banking with ICICI Bank (Includes my Salary Account).
2. Closure of my Bank Loacker
3. Closure of my DEMAT Account with ICICI Bank
4. Closure of my CREDIT CARD with ICICI Bank
5. Closure of all my Investments with ICICI Bank
6. Closure of my Home Loan with ICICI Bank

NOTE: All these are caused due to the DISGUSTING/PATHETIC SERVICE Standard of ICICI Bank BUND GARDEN branch and NO ACCOUNTABLE APPROACH BY Mrs.Asavari Patankar.

Below is my Email - I have been sending contastly;

Pending Issue 1.
Subject: Closure of NRI account
Details: I had visited ICICI Bund Garden Branch on 31 Oct 2012 and signed the required documents for the closure of NRI account [protected] (Mira Road Branch)
Action by ICICI: They closed my FD and RD promptly without any interest.
Pending: Closure of NRI account
Last update/status: Unknown/Uncertain as usual
Reasons for pending: Only God knows

Pending Issue 2.
Subject: Closure of NRO account
Details: I had visited ICICI Bund Garden Branch on 31 Oct 2012 and signed the required documents for the closure of NRO account [protected] (Mira Road Branch)
Action by ICICI: Transfer of the fund to my SB account (After 4 SMS/Calls and follow-ups) on the 7th Nov 2012
Pending: Closure of NRO account
Last update/status: Unknown/Uncertain as usual
Reasons for pending: Only God knows

Pending Issue 3.
Subject: I still dont know who is the person I can rely (If there is anyone)
Details: No ownership in home-loan disbursement (This Dept makes me feel like HEADLESS CHICKEN). Each time a new person is assigned to me as the SPOC, but when I truly need help, he/she has list of excuses NOT to comply. Making me in the same 'Helpless' situation.
Last update/status: I was taken into a conference call by Mr.Anand Dharmadhikari and Mr.Prateik. After a long telephonic conversation, I was assured few things;
a. I was told that I would be getting the discussed action points - This never happened sofar.
b. I was to communicate to Mr.Dharmadhikari/Ms.Patankar once I get any communication from the builder, so that ICICI Bank can arrange collect the Demand Letter and they ensure to make the payment, followed by a prompt communication is being sent. [In reality - this is miles away, I am sure people have forgotten about it already]
Reasons for pending: Only God knows

I wonder if I can expect a solution to address the above issues? If someone could reply to me with realistic dates? (Non-moving).

Neha Manjrekar did follow up, but sadly (Like Indian Counrt dates) - all she could do was to give a fresh date, (She did this 4 times since Nov 3), but the current status is - Other than DATE, I didnt see any CHANGE.

Resent: 30 november 2012.
Friday.

(foul play} unauthorized/threated internet transaction disputes/refunds.

Copy to:

Cyber crime investigation cell is located at :

Cyber crime investigation cell,
Annex iii, 1st floor, office of the commissioner of police,
D. n. road,
Mumbai - 40001

Email: cybercell. [protected]@mahapolice.gov.in

Tel: +91-022-[protected]

—
By icici bank —
—

Dear mr. bobade,

We acknowledge receipt of your e-mail of august 19, 2010 addressed to head

Service quality regarding your icici bank credit card.

We reiterate that the 3 disputed transactions as confirmed from our records,

Has been effected on your subject card. we would like to clarify, that the

Above transactions have undergone a 3d secure authentication, which is a

Second level authentication specifically built in for online transactions

Done through merchant websites. it may be noted, that apart from the card

Verification value (cvv) and expiry date on your credit card, your personal 6

Digit 3d secure pin was also required for effecting the said transactions.

The 3d secure pin is purely personal and privacy to the customer and would

Not be known to anybody, unless compromised otherwise. the card holder is

Responsible for the security of his/her card along with his/her personal 3d

Secure pin and should therefore take all possible steps towards ensuring the

Safe-keeping thereof. the bank does not incur any financial liability arising

Out of the misuse thereof by unauthorized persons.

We confirm, that the transactions were allowed as the system is cvv, expiry

Date and 3d pin specific and not person specific. we reiterate, that as the

Transactions were qualified by information strictly personal to you, the bank

Is therefore precluded as per industry guidelines to repudiate the

Transaction with the merchant on the basis of your dispute.

We therefore regret to inform you, that the bank will not be able to accede

To your claims with regard to the disputed transaction.

We request you to take up the issue with the merchant and if no resolution is

Given, please take assistance of cyber crime police for further verification

And recovery of the disputed amount.

In view of the reasons cited above, we advise you to meet this explanation

With reason and acceptance.

We affirm that icici bank at all times acts with diligence, in good faith,

And in no manner prejudicial to the interests of its customers.

We have attached the supporting documents for your reference.
The outstanding balance due on your icici bank credit card 5176 xxxx xxxx

6003 is rs. 38, 346.46 as on august 20, 2010.

We request you to make the payment of the outstanding balance on your credit

Card account to avoid levy of financial charges.

We hope you would meet the above explanation with understanding and

Acceptance.

Sincerely,

Arunjyothi e
Office of head service quality

Confidentiality information and disclaimer

Subject: (foul play} unauthorized internet transaction disputes/refunds. at

Your door for help, resolutions and revocations (modified).[ launch of fir ].

—

To,
Cbi mumbai, cid mumbai, rti (india).
Date:21/04/2010.

Dear sir/madam,

Since the issue/dispute is hot suspicious and highly doubt/dangerous, it is

Forwarded to competitive authority for instant information, record and urgent

Desired action in this regard for further solution.

Thanking you.
Nice to write you.

Yours faithfully,
Ramesh k bobade.

Copy attached below.

—

Note: set 4, item no 10 modified.

-

To,
Icici bank ltd, india.
Icici credit cards,
Customer care.
Mumbai-india

Date:
08/07/2010.

Subject: your letter dated 5/07/10, sent through blue dart courier received

On 07/07/10. awb no [protected], ref:[protected].

Reference: queried transaction pertains to card no: [protected].

Dear sir /madam, (customer care officer)

—
Name of merchant: m/s paypal *people ntk
Date: 20/04/10.
Amount: rs 37.26

The above transaction is declared as dispute./the above transaction is

Still disputed by me.

—

This is for your kind information, records.
This is forwarded for solutions and revocations.

Thanking you.

Yours faithfully,
Ramesh k bobade.

—
Set:4

To,
Icici bank ltd. mumbai, india.
Icici credit card department.
Customer care executive, customer relation manager,
Customer. [protected]@icicibank.com, [protected]@icicibank.com, headcustomer. [protected]@icic

Ibank.com.
Copy to:[protected]@icicibank.com

Date: 20/04/2010, (tuesday) 7.30pm onwards.

Subject: dispute letter.

Dear sir/madam,

(1) card holder name: ramesh kashinath bobade.
(2) icici credit card no:[protected]. (master card) (hp logo)
Add on card: [protected].
(3) please block my card. (you are already blocked my cr card)
(4) please restore my existing relationship with bill pay with (i) mtnl garuda

And
(ii) mahadiscom electricity.
(5) suspicious call attended/reported by 2.52pm 20th april2010 regarding

Register for
3dsecure. this faulty mobile phone no was
O9579056784.
(6) and same was reported to icici customer care by 2.58pm. and asked them to

Change
Tpin.
(7) call was received again from o9579056784 by 3.08pm inquiring whether i

Received sms.
(7) sms received by rm-icicibnk by 2.44pm informing one time password.
(8) call was received again from o9579056784 by 3.08pm inquiring whether i

Received sms.
And asked to confirm for further process of request.
(9) by 7.36pm I told the customer care executive regarding non log in to 3d

Secure, so
The executive told some transaction were reported. asked them to block the
Card. executive asked to write dispute letter.
(10) launch police/compliant-competitive authority/agent complaint on behalf

Of (i) me, (ii) icici bank, and (iii) merchant involved (iv) mastercard.
(11) call reported to icici bank is available to its record.
(12) by 3.18pm rm-icicibnk reported sms if this was not requested by you to

Call customer
Care for assistance.
(13) till 7.30pm no transaction reflected on internet banking user id-linking

Credit
Card.
(14) stop payment, stop delivery, report merchant, issue arrest warrant for miss

Use of my
Card dada.
(15) icici fax no received - 022 [protected]
(16) maximum help by your behalf is requested to solve the dispute.
(17) my mobile phone was disconnected since low battery and collecting info to

Report to
Executive.

(note: person tried call by mobile phone no:o9579056784 was talking in fast

Hindi-english not clear voice.
She told she was icici bank officer and call was service issue for confirming

Card

Detail, she insisted limit increased by and
Add on card blocked)

This is for your information and further necessary action and records.

Nice to write you/thanking you for having me opportunity to write you.

Yours faithfully,
Ramesh k bobade.
(icici bank customer)
Mobile phone :[protected]. residence: 022 [protected]. alternate mobile

Phone:

—
Copy to:
Status-sent separately.
—

[protected]@icicibank.com,
—
[protected]@mastercard.com, [protected]@mastercard.com,

[protected]@mastercardadvisors.com, [protected]@mastercard.com,

[protected]@mastercard.com, [protected]@mastercard.com,

[protected]@mastercard.com, [protected]@mastercard.com,

Cybercell. [protected]@mahapolice.gov.in, [protected]@cbi.gov.in, [protected]@bol.net.in,

[protected]@rediffmail.com, [protected]@core. nic.in, [protected]@core. nic.in,

[protected]@del3. vsnl.net.in, [protected]@core. nic.in,
—
[protected]@myoxigen.com, [protected]@travelboutiqueonline.com,

[protected]@travelboutiqueonline.com

—
To,
(1) card care,
Icici bank ltd.
(2) oxycash - merchant.
(3) travel boutique online - merchant.

Date:22 august 2010 (sunday).

Dear sir/madam,

Please process refunds and settlement.
I had non receipt of delivery.
Somebody used my card account in fraudulent way (foul play).
[please process recovery of payment from default client to whom actually

Service delivered by merchant.]

Please help.

Yours sincerely,
Ramesh k. b.

—

Set:3

To,
Icici bank ltd. mumbai, india.
Icici credit card department.
Customer care executive, customer relation manager,
Customer. [protected]@icicibank.com, [protected]@icicibank.com, headcustomer. [protected]@icic

Ibank.com,
[protected]@icicibank.com.
Copy to:[protected]@icicibank.com
Date:24april2010.

Dear sir/madam,

Please see copy attached previous email.

(1) by credit card company following entry reflected, read on 24april2010

1.06pm by

Email:
20/04/2010 5000 oxicash-billdesk,
20/04/2010 8461 travelboutique online-
20/04/[protected] travelboutique online
20/04/2010 $1 paypal,
20/04/2010 1657.51 paypal *people ntk

In detail:
20/04/2010 $1 paypal
20/04/2010 85326960110015362834739 paypal *people ntk 1, 657.51
20/04/2010 75425310110650107800139 oxigen infovision pvt 5, 000.00
20/04/2010 75425310116690140900029 travelboutique online - 16, 148.00
20/04/2010 75425310116690140900011 travelboutique online - 8, 461.00

(2) please bill the amount compulsory for the above entry to whom service

Delivered.
All this dues should be recovered from their account identified for delivery,

Available
By merchant, they miss-used my card data
And purchased above services.

(3) all merchant involved should be notified.

(4) maximum help by your behalf is requested to solve the dispute.

This is for your kind information and further necessary/desired action.

Nice to write you.

Yours faithfully,
Ramesh k bobade.
—

harassment by telecallers, (involved) merchants/shops, icici bank-india, icici cards-india, unknown subordinates.
Banty at 12:39 p. m. on 26 march 11

—
Subject: harassment by telecallers, (involved) merchants/shops, icici bank-india, icici cards-india, unknown subordinates.

—
To,
President of india,
Government of india,
New delhi, india.

Date-24/03/2011.
—
Copy - public commissioner, mumbai, india.
—
Economic offences wing, head quarter, india.
Economic offences wing, mumbai, india.
—

Economic offences wing (complaint/issue forwarded) case of complainant-ramesh k bobade.
Subject:
Harassment by telecallers, (involved) merchants/shops, icici bank-india, icici cards-india, unknown subordinates.
(1) case of password sharing with unknown-unfamiliar person insisting bank official,
No risk factor identified since card is in possession.
(2) with the medium of internet, they made online purchases with merchants (shops).
(3) bank deducted all credit card dues with interest from my salary account with icici bank, maratha mandir branch.
—

To,
1)
Magistrate,
Bombay (mumbai) high court,
105 high court (pwd) building, dr kane rd, kalaghoda, fort, bombay.

2)
Magistrate,
National consumer dispute redressal commission new delhi,
5th floor, ‘a’ wing, & 7th floor, ‘b’ wing, janpath bhavan, janpath, new delhi 110 001
Fax no: [protected]
Pbx no : [protected], [protected].

Date - 24/03/2011.
13/03/2011.

Subject: (1) case of password sharing with unknown-unfamiliar person insisting bank official,
No risk factor identified since card is in possession.
(2) with the medium of internet, they made online purchases with merchants (shops).
(3) bank deducted all credit card dues with interest from my salary account with icici bank, maratha mandir branch.

R-sir/madam,

(1) on 20 april 2010, they sent me master card 3d secure pin on my mobile, before they registered my account on mastercard 3d secure service/icici bank. they forced me over phone to repeat the pin/password.
(2) mastercard 3d secure service is newly launched and I dont know about and its process of registration, usage, necessity and all about.
(3) when I come to know the entire issue, instructed bank (email/phone banking) for stop payment, stop delivery, refund slips, launch complaint, report merchant, raise disputes.
(4) dispute raised and after period of 90 days, bank declined under the heads of industrial norms and informed that, it was legal case to be filed.
(5) this issue has been reported to cyber police station, bkc, bandra, mumbai and navghar police station, mulund east, mumbai and submitted relevant copies of paper availabe personally.
Fir copy is still not issued. matter is under investigation.
(6) the said issue is forwarding to you for true judgement.
(7) I hope, god will help you to recovery of my lost money (unnecessary used credit card limit) from criminal with interest. I hope court will note my fight. compensation if. (nuksan bharpayee and man hani
Dava-claims process).
(8) I became sad and upset and realized they targeted me and made me victim of foul play.
(9) criminals suspicious mobile no-[protected] (displayed on clip and immediately noted.)
(9a) forwarded to commissioner of police, mumbai by cbi, delhi-case no: misc/sp/eou. ix/comp/2010 dated 14/09/2010.
(10) bank account detail - no [protected], icici bank maratha mandir branch, mumbai central, mumbai 400008.

Credit card details are as under-
Icici card no - [protected].
In detail:
20/04/2010 $1 paypal
20/04/2010 85326960110015362834739 paypal *people ntk 1, 657.51
20/04/2010 75425310110650107800139 oxigen infovision pvt 5, 000.00
20/04/2010 75425310116690140900029 travelboutique online - 16, 148.00
20/04/2010 75425310116690140900011 travelboutique online - 8, 461.00

This is for your information, n/a and further disposal please.

Dhanyawad.
Yours faithfully,
Ramesh k bobade.
274, azad nagar, hc bandhu marg, mulund east, mumbai 400081. maharastra,
India.
Ramesh. [protected]@live.com, [protected]@rediffmail.com, landline - 022 [protected], 022 [protected].

Copy-
(i) magistrate-consumer coordination council (ccc)
Core centre, nits complex, a 20-21, sector 62,
Noida - 201 307 (up)
Tel: [protected], 2404273
(ii)
(a)
Shri shiva kumar tadikonda
Dy. general manager & nodal officer
Icici bank towers, bandra kurla complex
Bandra (east)
Mumbai - 400051
Tel. no.:022-[protected]
Fax no.:
Email1:shiva. [protected]@icicibank.com
(a1)
Ms nelssie alheida.
Service manager, icici bank towers, bandra kurla complex
Bandra (east)
Mumbai - 400051.
Phone - 022 [protected].

(b)
Ms. anita pai, senior general manager, service quality, icici bank ltd, icici bank towers, bandra kurla
Complex (bkc), bandra east, mumbai 400051.
Mumbai, 400051.
Email1:customer. [protected]@icicibank.com, [protected]@icicibank.com, [protected]@icicibank.com.

(1) banking ombudsman and rbi, india. (2) commissioner of police, cyber crime and economic offence wing. (3)

Card operation, icici bank. (4) master card, india. (5) court cell under sr dpo-bct 'for information'.

—

From-
Ramesh k bobade,

Drms office,
Western railway,
Commercial branch, ground floor,
Mumbai central, mumbai 400008.
Dr al nair marg, maharashtra
Opposite maratha mandir cinema

—

The cyber crime investigation cell, crime branch, c. i. d., mumbai (ccic) was inaugurated on 18th december 2000 and it works under the direct control of following superiors.

dr. satyapal singh, commissioner of police, brihan mumbai.
(+91)-022-[protected]
(+91)-022-[protected]
(+91)-022- [protected] (fax)
mr. himanshu roy, jt. commissioner of police (crime), mumbai.
(+91)-[protected]
(+91)-022- [protected] (fax)
mr. niket kaushik, addl. c. p (crime)
(+91)-022-[protected]
mr. anand mandya, d. c. p (preventive) c. b., c. i. d., mumbai
(+91)-022-[protected]
mr. sanjay jadhav, a. c. p. (cyber division), c. b., c. i. d., mumbai
mr. liyakat nadaf, a. c. p. (cyber division), c. b., c. i. d., mumbai
(+91)-022-[protected], (+91)-022-[protected]
mr. mukund pawar, inspector of police, cyber crime investigation cell, c. b., c. i. d., mumbai
(+91)-022-[protected]
mr. ravi sardesai, pi
mr. ganesh pawar, api
mr. sachin puranik, psi

Location:
Cyber crime investigation cell is located at :

Cyber crime investigation cell,
Annex iii, 1st floor, office of the commissioner of police,
D. n. road,
Mumbai - 40001

Email: cybercell. [protected]@mahapolice.gov.in

Tel: +91-022-[protected]

I had taken two Life insurance policies from ICICI Prudential(Life Stage Assure) in the name of my wife and myself at an annual premium of Rs30, 000.00 each(Policy no-[protected] and [protected].Till date three premiums were paid by me (10/09-10/10-and 10/11).
Today i received a call from one Megha Arora-from IRDA UP(Mob No.+91-[protected]), stating that i am entitled for a bonus of Rs1, 25, 000.00 against each of the above policies.As per her the agent for my policies has given his code no.and got the bonus credited to himself.
For claiming this bonus i was asked to generate my own code by sending a cheque for Rs30, 000.00 against each of the above policies along with Passport Photos, address proof and photo ID proof to one Mr.P K Raheja c/o Shriram Life Insurance co. Ltd Plot no-B-51, Sector-6, Noida, Gautam Budh Nagar-201301 UP.After doing this i am supposed to get Rs1, 25, 000 against each of my policies besides refund of Rs, 30, 000.00 as well.
Since i have already been deceived by various agents, i would not like to trust any more.I as such request for help, ie whether the claim of Megha Arora is genuine or not.

With Regards
Deepak Dhar

I don't even know where to start with my complains against ICICI NRI banking. First of all we have to do everything online and if you get stuck we call their phone # and person who picks up the phone is in a hurry to hang up instead of assisting you all the way. And if you punch in something wrong the the system locks you down and you Will not have access to your funds or transfers no matter how emergency your need is for the money. They tell you they can't do anything for 3 full business days. Their customer service sucks. They don't have the capacity to handle NRI accounts. Recently I had to transfer money to India and till today I was unable to do it. They asked me to wait till they send me a transaction password via courier. I am stuck with ICICI till I visit India to open another Bank account and then close this ICICI account. Another thing that annoys me is if I don't use my account they make my account INACTIVE so that I can't write checks till i send them a written signed request. Anyways all I have to advice to every one about ICICI BANK is open an account only to save your money and forget that it exists because accessing your account or transferring money for medical or any other emergencies from this ICICI BANK ACCOUNT WILL BE IMPOSSIBLE OR CHAOTIC. There are No Supervisor's or Managers who come forward to help you . This Bank is only for people who live in India, Its not equipped to help NRI customers.

Hi,
I have used the ICICI Bank Money2India to transfer the money with the amount of 19500/- using 2day power transfer mode . At the time when i transfer the money they show me the exchange rate of 52.19 as indicative. and When they deposit the money to the bank, they sent the money with the exchange rate of 51.44. And i checked the graph of exchange rates on these two days, it never went down to 51.44rs. it at least stopped at 51.77. This is real fraud and they stole almost 20000RS from me. They attract us with good rates and free of transfer cost, but they eat money during the transfer.

CUSTOMER SERVICE IS VERY BAD. WHEN WE ASK THEM ANYTHING OVER THE PHONE THEY WILL KEEP ON HOLD FOR 2MINS AND SAYS THE SAME THING AND ASK US TO SEND THE EMAIL. THEY DON'T GIVE PROMPT RESPONSE OVER THE EMAIL AND IT GETS DELAYED...

I DON'T RECOMMEND ANYONE TO USE ICICI MONEY2INDIA. IT IS FRAUD BUSINESS. THEY ARE STEALING THE MONEY DIRECTLY. WHAT WE SEND IS NOT EASY MONEY, WE EARN WITH HARD WORK, BUT THEY EAT IT VERY EASILY.

KEEP AWAY FROM MONEY2INDIA...

Thanks.

My father Mustafa contact information 91-[protected], and he holds policy number 1229732. he owns this policy for last three years. He was fraudulently sold a policy and I am writing this complain on his behalf.

In Aug 2012, I got a call from ICICI Prudential life Insurance manager Mr. Vishal Agrawal from number [protected] and his supervisor Divya Agrawal phone number [protected]. He said he is a manager with ICICI prudential in Delhi and told me asked me if my agent is providing with desired service. When I said no, he said the agent has claimed Rs 1, 50, 000 on my policy as commission and benefits and he can remove the agent code from my policy and pass on the benefits to my policy provided I directly establish a relation with ICICI prudential by taking a new policy. He called me multiple times and also his supervisor Ms. Divya Agrawal. Vishal spoke and convinced me that as per IRDA regulations it is sensitive to remove agent code and I should not divulge any details to anyone other than Divya. They gave me a customer Code and told me to confirm the same with anyone who calls me from ICICI Prudential before providing any details. I was convinced and agreed to make a new policy for Guareented Savings Insurance Plan # [protected] with a premium of Rs 72000 for one year term. They told me that one of our Indore agent will come and ask to fill the new policy and they will confirm that the policy will be 15 years maturity and premium has to be paid for 7 years but since they are agent don't divulge the information regarding the agent commission and anything related to 1 year which the actual policy will be. Once we receive the documents we will change the policy and make it one year and will send you the documents in 40 days which will confirm the one year new policy.

I got the policy documents on 27th Aug 2012 and to our shock we found the policy to be 7 years premium and 15 years matuiry. When I called Mr. Visahl and Ms. Divya to find out why this policy is 7 years they keep saying that your policy is still one year and you will get another set of documents in 40 days. He said to ignore this documents as this documents are provided by agent services like sending statements etc. As I got suspicious, I told him to send me an email from his official ICICI prudential email id which he did not do saying he is not allowed to do so due to company regulations. I searched on the internet and found out many people have been cheated like that and then called customer service who confirmed that it was fradulently sold to me. I went to the branch on 17th Sept. 2012 and gave a written complaint and hope that my policy will be cancelled and mymoney will be refunded to me. I strongly urge ICICI prudential to take action against the concerned people who are running this fraud. I have a long standing relationship with ICICI (Bank, DMAT, Loans, Insurance) and all of this is at stake due to the unethical practices followed to agressively sell products. Anyway, I will never ever consider a policy from ICICI prudential even if it is offered to me for FREE.
Thanks
Mustafa

I want bring to your notice about the pathetic operations at ICICI Bank. I have an ICICI savings account in Kamnahalli Branch, Bangalore. I came to USA on a professional assignment for a long term. The only mistake I did was that I did not update my mobile number in ICICI Bank and how would I? When I don't have any in USA while travelling?

My mobile number (India) registered with ICICI is de-activated and there is no means for me to receive the URN or OTP! It is quite strange to learn that, the phone banking officer says 'OTP' through phone when we provide the account number, PIN, security password and other details to authenticate myself.

But, the same does not hold good for URN to confirm a payee! I was asked to send a postal courier to ICICI bank requesting the change in mobile number with proof of identity (Hard Copies). The entire process can take upto 3- 4 weeks.

Spoke with N Number of phone banking officers and all they could say is sorry for not being able to provide URN/ confirm payee even after I authenticate myself with all the necessary details. What is the point of having phone banking service, when you cannot provide a simple service to confirm a payee?

ICICI should either provide a feature to change the mobile number online or improve their phone banking services to help us better.