ICICI Bank review: money2india: read this before you use the service! 84

I cancelled my ICICI Lombard Loan Care Policy for my home loan. The policy (4043/0000002/ICICI/HL/0000605) got canceled on 30th Oct 2006 but I haven’t received the cheque till now. I called ICICI Phone Banking more than 20 times since then. Every time they ask me to wait for 2 more working days. Sometimes I get a different & more promising reply – ‘this time we are forwarding to customer care on priority’. One officer tells me cheque has been dispatched to my address. Another officer tells me it’s dispatched to Hyderabad’s office. The address they have is correct & I’m receiving my ICICI Lombard vehicle insurance related documents & others. I don’t understand why only the cheque is not deliverable. I appreciate if a higher official of ICICI Lombard looks into the matter for faster resolution.

I have credit card of ICICI bank, which i was using for almost 2years. Once i got a call from ICICI Lombard and explained very nicely and attractively presented about their accident policy and was saying that you don't have to pay anything for this... etc. Me also was feeling good and asked them to send the policy documents. They started charging the EMI without sending any documents. Then i started calling ICICI helpline and they for few months i remember it was not reflecting in the bills and it skipped from my mind. But after sometime they have started charging again. Again i made call to customer care credit card and ICICI Lombard for the same. They assured that will cancel but next month they have stopped deducting the EMI and deducted some 7500 straight away from my account. Then i started writing mails they have agreed to reverse some but it was only some hundreds, and refused to pay. Which comes a huge amount now in my account. They have automatically debiting from my bank account, then i had no choice to stop keeping any money in that but i have lost some money cause i had some other insurance policies which was going well. I had to stop all this cause i feel cant trust them anymore and don't know how to get out of this. If somebody can advise please. Thanks.

ICICI lombard is nothing but a legal thief!

My father in law had taken home loan from ICICI BANK . One of the clause in the Loan Policy was " WITH THE FINAL DISBURSEMENT OF THIS LOAN FREE PERSONAL ACCIDENTAL INSURANCE COVER will be given to the first applicant of this loan to the extent of Principal Amount. Unfortunately My Father in Law died in an accident.

I log the claim of insurance in ICICI LOMBARD as guided by Official of ICICI BANK.

I have already submitted all documents duly certified and notarized required by the ICICI LOMBARD norms on 27/02/2003, but still settlement of claim is pending. I can't understand the reason of UNUSUAL DELAY IN SETTLEMENT OF CLAIM. I resorted to phone banking service and contacted your call centre but i feel sorry to say that ICICI LOMBARD customer call centre is REALLY USELESS. None contacted me from ICICI LOMBARD customer care.

I too had an ICICI credit card. They promised me a free insurance cover. Then after settling all the dues january 2006. I cancelled the card, cutting it to pieces and sending to them. But they kept on sending statements. Finally they cancelled the policy but now they chase me to my home to get some payment. They showed me that they have cancelled my policy but not my wife and son who were nominees. Therefore they want to settle the case with Rs. 3500/- instead of 10,415/-. Is this joke? or a process of extracting money like a money lender.

I gave a cheque dated 29/06/07 for Rs. 3860/-(vide cheque no.000007)drawn on Bank of India payable to ICICI Lombard General Insurance co. Ltd. for renewal of my Private Car Vehicle policy no.3001/1523496/00/000 to their executive Ashwani k sharma(Mobile: [protected])) but till date I haven't even received the cover note for the same. My policy expires on 10 July,2007(i.e. Today) and my vehicle is still not insured for the current year. when I called up Ashwani he told me that he's left the job and gave me his bosses contact details. I also spoke with his boss, Saurabh Goswami(Mobile No: [protected])who assured me that he'll get the policy delivered at the earliest but I have yet to get the policy. I need to know as to who will be held reponsible if my vehicle gets stolen tomorrow. Does ICICI Lombard give a damn to check if the policy/cover note has been delivered to the customer after their executive collect the cheque. Why make such tall claims in the co. ads when you can't deliver.

I would like to caution the gullible customers against such fraudulent practices by company's like ICICI Lombard. Pl do think twice before buying any kind of policies from them.

First my complaint " Sent: Monday, July 16, 2007 5:59 PM"
To,
Manager
Customer Service ICICI

Sub:- Irritating marketing calls from your Tele callers.

I am Vipan Deep Singh Chowdhury, one of the customers with ICICI Banking section, Credit Card and Direct.com. I purchased a new connection with TATA INDICOM on Saturday 14th July 2007, and around 5pm in the evening the connection got active. And the worst part of the story is on Monday Noon at 12:18 pm I get a Marketing call from ICICI Personal Loan rep from [protected].

My Account No:- [protected]
Credit Card No:- [protected]
D Mat Account No:- [protected]

Can u imagine it is not even 48hrs in complete that u people started giving marketing calls. So Sick Yaar, I get marketing calls on my other Airtel number [protected] that is fine I understand you use it for business, but again it is not correct, But it is my mistake that I have used the number in my banking records with you people, but this brand new number never ever in service earlier, and a marketing call within 48hrs of activation.

Hardly 3-4 STD calls have been done so far, and no local call at all, so that no one can get this number at least for marketing purposes. But still a sick marketing call again. The number from which I got call is [protected]. I have formally launched a complaint with TATA INDICOM with a complaint number [protected] on 07/16/2007 at 12:59. If you can initiate an inquiry that is fine, I am still going to approach TRAI for a formal complaint against this. If you can respond in 48 hrs of this mail, I can still consider my decision.

Hope to read soon from you, before things go worse.

From A Irate Customer
Vipan Deep Singh Chowdhury
_________________________________
Reply received on " Sent: Monday, July 16, 2007 5:59 PM "

Dear Sir,

Your name and contact number have been updated in DNC(16/07/2007). TAT of 15 days required for dnc to get active.

Thanks & Regards,
DNCR Team
_________________________________
Next again " Sat, 4 Aug 2007 17:17:18 -0700 (PDT) " another mail sent reply still expected... Really don't know what they have to say this time...

To,
Manager
Customer Service ICICI

Sub:- Irritating marketing calls from your Tele callers.

After the E- Mail sent by me below, I soon got a call from you people assuring that I will not be getting any more call from your callers. That was really appreciated and expected from ICICI. The rep promised that ICICI needs 15 day as Turn Around Time for removing me from any of the calling lists(Banking, Credit Card, Loans,Insurance etc).

I said fine I can bear this inconvenience for another couple of days(15 days) and assured that after that no more calls. But I know that was a FALSE PROMISE/ COMMITMENT he is making. And after 15 day was over by 01 Aug 2007, soon I got another marketing call from your Personal Loan Dept. again, asking for my requirement in terms of Personal Loan. And that is sick again.

This time call was made from [protected] at my number [protected] on 3rd Aug 2007 at 1.31pm. NOW DO YOU HAVE ANY THING TO SAY ...? Any more Promises or Any more Commitments to be given ...?

Do you realize I soon started reducing my services with you people. Instantly I have have closed my D-Mat Account Services with ICICI Bank. And if this is not taken seriously then I do not mind closing my Banking & Credit Card services with you people. Do not think me as a helpless customer. Definition of Customer has changed now. It is you people who need us for your business, we are not at mercy of you people for services. There are many other Banking Institutes ready to offer better services Minus harassments. But I know that ICICI values customers and their problems, so

EXPECTING A REASONABLE ANSWER

I work in Night Shift with a leading BPO for US services. It means that is very important for me to sleep in the day time, when these sick Tele-marketing people call. If you check the time time difference between US and India you would find a difference of whooping 10.30 Hrs, means a core night shift for me. I am not asking any sympathy from your people as this is my job, but on the other hand I do not want any harassment from you people as this is your responsibility, as they use your brand when they call. Now that is why I have mentioned number they call from so that I have some base to talk about, because this is what you people need first to investigate the problem.

I will be waiting for your call before any formal complaint with concerned Authorities and ask for compensation and Breach in service (Do Not Disturb service) is made against you people. As you people you clearly this is against the guideline of Honorable Supreme Court. Please that this a Serious Warning.

(Reps do not Reply to this E- Mail, want a Responsible Senior Manager)

From
Vipan Deep Singh Chowdhury

type business location and detailed complaint

Type : The disputed account with ICICI Bank Credit Cards.

I am Ashwani Malhotra. R/O A -43 Asha Park, Jail Road, New Delhi - 18. I was using a card with ICICI Credit Card which was issued to me on the 1st August 2005, I registered a complaint in their Call Center for 03 Transaction (Disputed Amount Rs.45000) which i was not aware of, But instead of helping me to get rid of the problem they started adding Late fees and finance charges to it. I again called up the Customer care to get help regarding the same and they simply refused me by saying that you have exceeded the dispute time so now you cannot dispute regarding the same now and you will have to pay the amount. I have been making all the payments in time and the intentions are very clear to pay but i will not be able to pay the disputed amount and charges leaved on the same if any purchases left can be paid .I am now looking for a solution or you can say a help from you to resolve this issue in the presence of Honorable Ombudsman as they are harassing me now everyday by sending their executives who simply ask for money and not ready to listen and are abusive.

Also i want my name to be removed from the Negative database as i am not a defaulter its the bank who has declared the same and because of their fault i dont want to suffer.

On 25th April 2006 they sent their executive to my place who simply collected the amount which i owed to them for the transactions that i made which was a sum of 11300/-

In 26th July 2006 they again sent their executive with a new dispute form a collected a sum of Rs. 11310/-. What the executive told me that the dispute has been taken care of don't worry as soon as you fill up the dispute form we will investigate and take care of it.

Now they have started giving me threatening calls and harassing me while work. Beware!

It is ridiculous and unbelievable that reputed banks such as ICICI has worst service.

Firstly, I fail to understand the kind of staff they recruit whose communication skills are worse to the core. Secondly, I am surprised if they not undergone any customer service trainings. It is now for 15 days that I have submitted my documents to ICICI bank for purchasing a two wheeler. As of now the first of all even the telephonic verification is not yet done. Every time I contact the ICICI personnel, it is the simplest answer I get "I shall call you madam" you wait for that call, I need to wait for ever. 15 days have passed no status update on the loan at all. You call the icici bank directly, he puts the blame on another person and again the answer is simple, give me two more days time. HOW LONG IS IT GOING TO CONTINUE, I DONT UNDERSTAND.

TODAY'S TECHNOLOGY IS SO FAST AND THE ONLY REASON FOR OUR COUNTRY TO FALL BACK ON THE GROWTH IS BECAUSE OF SERVICE INDUSTRIES LIKE THIS ONE

I am a credit card holder of ICICI Bank also get the same under life time free offer. But ever month i got some charges of insurance premium which i have never applied. I don't know about Insurance Charges and all. At the time when I apply this card your Sales Executive told me this is life time free credit card he do not told me any other policy which automatic attach this card. So why should i pay to this Insurance Charges why?... Why?... Why?..

I called to your customer care several times to correct the billing amount and all the times they promised me to do that, but again there were no results. So, last time I called again to your customer care with the same request on 12.01.2008 and they took a new request no.[protected] and promised me to correct the billing amount.

So I request you please refund all the balance amount and please close this Insurance Policy as soon as Possible.

Credit Card No. : [protected])

with kind regards,
MAHABIR SINGH BISHT

Sir,

Your problem with ICICI Bank, solved or not, if not, please send your written details to me by email, so that I can advice you, that how you can solve this problem.

Pl treat this most urgent, and as a human being.

Thanks,

Rameshwar Rai

i see in my jan. statement you charged interest & service tax Rs.159.66. why it is charged? please explain me. **************telecaller executive not responding*********

Resp.Sir
I am having your petro card since last four years approx.and no. of card is [protected] and custo. ID No.1745726.Usually I got banks statement in the first week of the month. But in the last month I did not got any statement so I could not deposit the required amount in time. After long waiting I deposited a cheque of Rs.2000/-.without knowing any exact amount. Today I got last months statement and surprise that a latefees of Rs.350/- + Rs.43.26 as service tax has been charged while I am not at fault. A number of times I have requesated and worte the bank that MY MOBILE NUMBER IS NOW [protected] but bank never intimate on this phone.Since I bacame a petro card member of your bank I deposited the required amount before due date. Kindly confirm from your office that when you send the statement in the last month, and also confirm about the receipt of the statement.
I am not in habit the pay after due date by late fees. I am requesting you to kindly waiveoff the latefees + service tax charges and intimate as earliest possible otherwise I would not be in position to contiue your petro card.Regards, S.L.Jain

ICICI is preying on the NRI's to make some quick money from their accounts.
First they require you to have a Debit card for online access and then charge you yearly fee for the debit card. Generally the debit card is useless for NRI's as you visit home once a while and in most places it cannot be used as a credit card (i.e. airline ticket etc).
The second way of making money is to cancel your online banking password if you did not access it for 6-months. Most NRI's do not look into the online banking account until a trip to India is planned. Once the password is reset then you cannot get it back by email or other ways except direct mail. They charge you Rs450+ for sending the new password to your US address (claiming as shipping cost).
BTW if you did not access your account for two years then your account is probably frozen as it was dorment for two years. ICICI Bank will send you all kind of junk emails for all the other products and services but will not send you reminder email before the account is frozen or the password is reset. Why will they send as they end up making money on top of the low interest they pay for your account.

Shame on them. Even i am facing similar problem.

dear
sir/madam,
i mr.janak p shah is not satisfied with your phone banking service because problem are not solved for last two to three months so please help me.you can check my transaction record of my payments i have not paid any of my due payments partly.
my credit card number is [protected] issue in 11/4 and my birthdate is 16/08/40 this is my veryfication
now i request you to solve this problem. in month of may transaction date 29/05/08 payment done for mtnl mobile (bill desk) mumbai ind amount rs.1198.00 was done by me online as i did not get clear reply by mistake i had entered the enter key 4 times and same was debited from my account.for this i had concerned the respected officers mr.gagan and mr.kaupin they said that your all entries will b reversed.confirming that we recieved bill amount of 5, 228.70.after receiving the bill we concerned with the above phone banking people, they said that your amount of rs2396 was by mistake printed, so ignore it and pay rest of the amount.so v paid rs2850.now v have received the new next transaction bill of rs4545.24 in which the above amount of rs 2396 has been included with interest charges rs312.64 & service tax 38.64, which v are not liable to pay.the same mater was talked on phone with the above mentioned two people & in reply they said that two transactions of your r in u r favour & two transactions r in banks favour so u will have to pay the full amount .please solve the mater because for this we went at andheri branch & they said that u mail this mater to customercare they will surely solve u r problem.so please solve the mater &if needed to whom should v meet for the same. please do the needful & oblidge.

thanking you,
janak p shah

my credit card a|c no.[protected].

reg. this transection iam sending cheque amount Rs-11378/- ch.no.050793 dt.27.5.08 in indian bank cheque chennai 58. this cheque has been recived in your anna nagar br.dt.27.5.08.but this cheque has not been presented ur account. i got this messege on next month only.but ur bank is sending statment with late payment fee and all aditionel charges with out any reson.mean time i met ur anna nagar branch manager and discus with this matter .they want a request letter and iam sending this same .but the next month ur statment also the same problum continued and till date this problum has not been solved.hence i request u to revice all the aditionel charges and sent to me the correct statment.otherwise i will stop the payment from this month on wards.
sincerly .k. sasikumar

I am facing lot of problems with my money transfer through money2india. No body seems to be responsible or helpful at the customer care. Each time it is a different person who responds to my mail and they have no idea what has happened before. Each person keeps asking the same information that I have already provided earlier. I do not recommend this service to anyone. Just keep away from ICICI.

ICICI Money2India is one of the most unprofessional service offered by any bank in UK. ICICI's customer service is known to be the MOST APPALLING and i have already had a number of such incidents where they have shown 'i dont give a damn, it will be done whenever we want it to' attitude! In fact, they are the most obnoxious when it comes to transfer as they hoard the sender's money and then wait for a few days before deciding the lowest rate within those days to do the transfer.

When it comes to customer service, you definitely cannot get anything done unless you know someone who works in ICICI. On one previous occassion, i had my funds blocked with them for 15 days without getting transferred. I could only manage to get them back, through a friend's friend who works at ICICI. That was about a year ago. And now again for some reason my funds have been blocked with them for over 8 days. I have already crossed across number of agents, n number of service request and ICICI care numbers, and nothing has happened. I just wonder how such organisations are able to exist in today's world! This is probably going to be the last time i will deal with ICICI, after which its long good bye to the ###ing idiots!

I usually dont post comments on random sites but on this case, I've to agree with the popular opinion about ICICI's customer service. They are abysmal! I've had a lot of disputes with this bank both on my Savings account and Credit card transactions. While I agree that disputes and security breaches can happen to any bank, I'd rate ICICI as 1 on a scale from 1-5 for the way these issues are being handled. The bank has no accountability and the grievance addressing process is ineffective with no one taking ownership... I'm not talking about call center executives or bank representative officers but Account managers and Zonal Managers.

To summarize, Please refrain from trusting this bank with your hard earned money and go with some other bank with a good track record.

Infact I signed up today and I was about to send money, thanks god I read this news on this site. I have dropped the idea to send money thru ICICI.Seems they are using our money in the international market, I am fully agreeing with the fraudulent way they are adopting.
One must not see Sharukh Khan movies because of him I got attracted but soon no one will send money thru icici.

Sir,

Mrs.Umma Salma has sent money from saudi arabia to her son in india (date 06-09-2008) the beneficiary
Noor Basha,
a/c. no 11035,
(payment bank in India)National co-operative bank,
e 12-14, Nerul railway station, cum commercial complex, Nerul,
navi mumbai-400706,

DD no.905870

After around 2 months even the money has still not reached the concerned a/c. no. I request you to pls. do the needful and forward the money to the account at the earliest.

Thanks and regards

Dear Sir,

I have been settled in gujarat for 6months. my account no is [protected].my commission on polyholders isnot put to my account till this date.please conform me how many balance in my account.

Yours faithfully,
suragakumary.

Dear Sir,
I have been settled in gujarat for 6months. i worked in icici prudencial advisor for 6 months.i had only get the commissio on half year.but the remainaing amount of half year commission is not put to my account till this account.please conform me how may balance remained in my account.

Yours faithfully,
Suragakumary

Dear Sir,
I have been settled in gujarat for sixmonth.i worked in kerala as a advisor of iciciprudencial in pala, kerala. i had get only one year commssion only. second year commission not put to my account till this date.my account no is [protected]. please comform me how many balance in my account.

Yours faithfully,
suragakumary,

Dears Sir,
SAME AS ABOVE.

JHKJKJK

Dear Sir,
same as above.

hjhjj

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ffffdffdffddfdf

Thank God I have seen all your comments and now I am dropping my idea of transferring money through the services provided by ICICI. I dont want to be one of the sufferer of this bank.
I thank everyone who are involved in enlightening the people with their experiences.

Cheers,
Swathi.

Try TransferMate.com for sending money to India. They generally handle corporate payments worldwide but also handle private clients too

Rgds

Dear Manager
ICICI Credit Card

My Card no [protected]

ICICI LOMBARD has deposited Rs. 17, 549.00 to credit card account on 10-oct-08. But From credit Card divisin informed me that my outstanding balance is Rs. 9075.14 in this mont. Here is that amout of Rs. 17, 549.00 which diposited by ICICI LOMBARD to my accouton 10-oct-08. ICCIC LOMBARD again confermed me the same over mail. In stade of Due amout of Rs. 9075.14 there shuld have excess amout in account. I am enclosing the copy 3 mail of mail sent to me Castomer care of ICCIC LOMBARD.
...
Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
With reference to Your mail we would like to inform you that, your policy has been cancelled and refund has been processed as per your request.
Please find the refund details below
Refund Date : 10-Oct-2008
Refund Amount: Rs.17549/-
Refund Mode : Credit card
Credit Card Number:[protected]
For any further assistance, please feel free to write to us.
We thank you for your patience and co-operation.
Regards,
Sudha Rani.M
...
Customer Support Team
Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.
With reference to Your mail we would like to inform you that, your policy has been cancelled and refund has been processed as per your request.
Please find the refund details below
Refund Date : 10-Oct-2008
Refund Amount: Rs.17549/-
Refund Mode : Credit card
Credit Card Number:[protected]
For any further assistance, please feel free to write to us.
We thank you for your patience and co-operation.
Regards,
Sudha Rani.M
...
Customer Support Team
CustomerSupport to me
Dear Customer,
Please do not change the above subject line while replying to this mail or for marking us any mail related to this case.

your policy has been cancelled and refund has been processed, we request you to please check your october 2008 statement, so that you can find the refund details.

Please find the refund details below

Refund Date : 10-Oct-08

Refund Amount: Rs-17549/-
Refund Mode : Credit card
Credit Card Number :[protected]
For any further assistance, please feel free to write to us.
We thank you for your patience and co-operation.

- Show quoted text -
Regards,
Sudha Rani.M
Customer Support Team

Stated above

I M HAVING ICICI MIRACLE CARD NO. [protected] LAST YEAR I HAVE USED THIS CARD BUT MY PAYMENT IS DUE TILL DATE NOW I HAVE SUBMITTED THE CHQ OF HDFC BANK RS 8000/- FOR FINAL SETTLEMENT . IN THIS LAST YEAR I WANT COLLECTION MANAGERS BUT NOBODY COMES TO ME FOR COLLECTION. SOMETIME I HAVE PAID MINIMUM AMT BUT WHEN I GOT MY STATEMENT LATE FEES CHRGS LEVIED TO ME EVERYTIME. NOW I WANT TO PAY FUL AND FINAL PAYMENT RS 8000/- KINDLY WAIVE ON MY LATE FEES CHRGS AND EXTRA CHRGS WHICH I HAVE BEEN LEIVED IN MY CREDIT CARD.YOU CAN CONTECT ME ON MY CELL [protected] OR ON MY EMAIL
rdgrover4ever@yahoo.co.in

I am also facing the same problem from icici bank.My tranjection ref no is M2N11296037. i have sent money to india from Australia before on 5/7/2009. it is near to 3 month but still haven't got my money in my indian account. i have called up atleast more than a 10 agents, couple of supervisors (puja, lokesh shah, and Kirankumar) and spoken to a manager in hyderabad (wahab). they all are reply me we dont know where your money is. when i call them more then once in a day they transfer my call to each-other. can anybody help me for this tranjection? my email id is tmrupareliya@yahoo.com

Please naver ever send money from money2india.com

Thanks,
Twinkal

I have had a BRILLIANT experience with M2I, my money was transferred within 3 days from USA and got the best rate. I have had multiple txns thru M2I so far and everytime its been a gr8 experience. I would strongly recommend people to use M2I, atleast 10 notches ahead of fraudulent competitors like Remit2India, R2I promises lot of stuff, but gives nothing.

To,
General Manager,
Credit Card Division,
ICICI Bank, Delhi.

Dear Sir,

Subject: Credit Card No. [protected]

This is in reference to above mentioned online credit card issued to me, Ankush Gulati, Proprietor- Pearl Impex, In 2006-07 i was issued a gold credit card by the bank and later on was issued another online credit card for making purchases on the internet. This complaint is in relation to the online credit card which bear the no. mentioned in the subject.

At the time of usage of the credit card, I was informed by the representative of the company through telephone about insurance policy which was available for zero premium for gold card customers. He stated that sir, you are our prestigious customer and our bank has offered a scheme specially for u against your gold card. He said our bank is providing an insurance policy, for which you don’t have to pay anything! I said no to him and said call me tomorrow. Day after, he called again and offered me same, and then I said ok if its for free then I’ll take it! As I don’t have to pay any money, a free insurance will no one refuse!

The card was used regularly by me and payments for the same were made to bank within due date. Later as the details of the gold card was leaked, I requested for the discontinuation of the same. At the time of the discontinuation of the credit card, I cleared the entire dues of the bank by visiting the Jhandewalan branch of the bank. The dues were cleared and the card was discontinued.

Within few months of the discontinuation, I was shocked to receive a statement of the said credit card indicating there was huge outstanding balance on the online credit card. I enquired the details from the phone banker, I was told it was towards the dues of online card which I hardly used amounting to Rs. 32, 000 approx. I further enquired about the details of the transactions, I was told that an insurance premium has been charged on the card for the policy which was issued to me stating that there would be no insurance premium for the same and is free! I informed the bank several times, even when I received a phone call from your recovery departments, I told them my problem, about the same, but no one paid concern to my complaint and the bank insisted of the payment of the entire dues. I informed the bank officials several times the issue but the bank did not consider my complaint genuine. Without any mistake from myside, my name was listed in negative credit history list in consumer credit information Bureau report, (CIBIL), which I received when I applied for another credit card with anther bank.

As a gesture from side, I approached the bank, and offered them my willingness to pay the dues of the bank to improve the credit history. The bank gave me a letter dated 20th October, 2008, stating that if I clear all the dues of the bank, my card would be re-activated and I will continue to enjoy the services of the bank. Trusting on the words of the bank, I clear the entire dues of the bank with total interest amount even after I was told that you can settle the amount and pay minimum amount to solve the issue! But instead I paid the full due amount and request for the re-activation of the card. But the bank did not consider my request and it went against its own commitment.

I don’t have any more dues with the bank. I have even made the payment of the charges by the bank which were illegally charged from my account along with full interest amount. The bank has even gone on to damage my credit history without any fault from my side and wrong commitment from the bank representatives.

Initially I have made all other payments to the bank. I now request you to issue me a new credit card as committed by the bank to me. Also remove my name from CIBIL black or negative history list!

I hope the bank will seriously look into the matter and give me another chance to enjoy the privileges of the credit card services by the bank.

Hope for a positive feedback from your side. .

Thanking you,

Yours faithfully,

Ankush gulati.

Email: ishaan_gulati@live.co.uk

Dear ICICI Management,
Through to this complaint, i want to move your mind on ICICI Bank ATM Branch "Kharar" near Chandigarh. The ATM of Branch Kharar not working from long time. I am facing problem from last three months. Every time when i reached for drawing money, returned disappointed. Reason is ATM not working. More over sad because their are no any complaint box and complaint no or notice for public complaint. Even mostly no Security Guard seen their who can mention the problem. Kindly do something, So public can get the benefit of ICICI BANK ATM.
I am not using others bank ATM due to some reasons. Once i have used others bank ATM and try to draw money 2200, but ATM give me 1700, but reduce my balance 2200. Now facing the problem due to using other bank ATM. If i use same bank means ICICI, possible problem not may occur. If come then it can be solve easy for the same using ATM and bank account. So this reason i am avoiding others bank ATM usability

Warm regards
Disappointed customer.
Branch kharar (Near Chandigarh)