LIST OF COMPLAINTS AGAINST ICICI BANK RECEIVED RECENTLY

(Specially prepared in response to Ms. Satinder Kaur’s letter dated 3-7-2006 to ICRPC requesting to remove the ICICI name from the list of companies listed in BEAWARE list on www.icrpc.org. This list is to inform Ms. Satinder Kaur the sorry state of affairs in her banking institution). ICRPC WILL NOT REMOVE ICICI BANK FROM BEWARE LIST TILL THEY IMPROVE THEIR SERVICES.

We can keep on adding the complaints, the number of ICICI complaints being lodged with us are ENDLESS…..

THESE COMPLAINTS RECEIVED WITHIN ONE MONTH

COMPLAINT 1

I have lost the credit card on May30th. When I found that my card had been stolen, I had asked the ICICIBank to block my card on June1st. My credit card has a limit of 25,500Rs. I have done the transaction worth of 25,000 on 15th of May. When My credit card had been stolen by someone, The bank had allowed the thief to do a transaction worth of around 39,000.

I have several times asked the Bank to check the details. But they are saying, it has been done in favour of the bank and I ahve to pay the excess money. First let me know ,why should I pay the excess money(for which transactions I haven't done). Actul credit limit for my card is 25,500. As I had done a worth of 25,001 Rs. Even after losing the card, the card has to allow the transactions worth of 25,500. But it has allowed the thief to do a transaction worth of 15,000Rs extra than the credit limit given on the card . And the card has my photo and signature also.

When I requested them, they have send me two transactions slips, where my signature won't match at all. How come the bank allows the person to do a transaction which is exceeding the limit. How come the shopkeeper allows the thief allowed to do transactions which ahs exceeded limit, as it has my photo on it and signature also. Let me know , why should I take the liability? I ccan take the liability of upto 25,500RS as it is the card limit.

Please help me to do file a cheating case and charging the excess amount. Please guide me to go through it and let me know as it hasn't cross the 60 days , how should I file the case in consumer forum or banking ombudsmen? Please do the needful things.

COMPLAINT 2

Dear Sir,
I, am Balaji B, have taken homeloan from ICICI Bank.
It was agreed that the final interest rate is average
ROI of the various disbursements.
There is a special offer to corporates and there was
0.25% discount for my company employess. With that
rate, I am supposed to get weighted average of 8.25%
and 8.75%. But ICICI bank has taken 9% as ROI for
second disbursement and taken weighted average.
I gave a complaint 9 months ago to modify the same.
But there were no reply for 8 months. I again went and
gave a complaint 1 month ago and there were no reply
since month and today they replied saying they sent a
request to Chennai and processing. As soon as I raise
a complaint, they sent SMS message saying they will
get back to in 10 days. But they didn't get back to me
in 10 days. More than that they did not close my
complaint yet.

There are basically 2 issues :

1> Time to respond customer and closing the complaint
2> Wrong Interest rate (but I dont have any agreed
interest rate for the second disbursement). There is a
agent between customer and ICICI bank who also
mentioned that it was 8.75%.

I am majorly disturbed through first issue. ie turn
around time to customer. I have a proof for 2
complaints I have given them.

Requesting to provide information whether I have all
the capabilities to issue a notice to ICICI Bank. Also
how do I proceed further for serious step on ICICI
Bank.

Regards,
Balaji.

From:   prashantp (prashantp@videoconmail.com)
Date:   Wednesday, July 19, 2006 04:54 PM
To:   ICICI Bank Customer Care (customer.care@icicibank.com)
Subject: Re: RE: ICICI Bank Credit Card Transaction for Membership in HighlandHolidayHomes

I am not a professional writer, so i don't know how to start. but i will like to register a complaint against ICICI bank.

I have loan from ICICI bank & the installments goes automatically from my salary's a/c through the eds system. each month i get collection call & collection mail that they haven't received my payment.when i do have money available in my a/c sufficintly in good amount.i have contacted my personal bank which is citi bank they say that there is no problem from their side. but ICICI says that they have the problem with their eds system with the bank.

i have taken a car loan & i have received a collection notice also from ICICI that they will pick up my car.

Although i am paying them by cash each month i do have the receipts with me availabe & collection notice is also there with me.

May be in future when my loan will be about to end ICICI can come up with the formula of cheating with the customer, that they haven't received the installments. or there money.

Dear Sir,

I received one call from ICICI bank offering the loan.
The loan was provide to me in may 2006. The loan
instalment was to be deducted from my credit card.
When I received my Credit Card Statement I came to
know that service tax is levied on interest part. As
the same was provided as loan How can a bank levy
Service tax on interest.

I would like to know What sould be my course of action
in this case.

Thanking You,

Yours faithfully

Anil Shankar Pawar
Email: anilpawars@yahoo.com

MY SELF PANKAJ SINGHAL IS A CUSTOMER OF ICICI BANK HAVING SAVING A/C NO. 628601034965 AND ALSO THE PERSONAL LOAN ACCOUNT WITH YOU. I HAD PURCHASED A TVS-STAR CITY BIKE ON 2.7.06 FROM G.S. MOTORS, MEERUT ROAD, GHAZAIABD, WHICH WAS FINANCED BY YOU.

BUT I AM TO INFORM YOU THAT AFTER PASSING 17 DAYS, I AM MAKING BY BIKE AS A SHOW PIECE, DUE TO NOT MAKING THE PAYMENT BY ICICI TO G.S. MOTORS.

I AM NOT ABLE TO MOVE MY BIKE WITHOUT REGISTRATION. I AM VERY MUCH AFRAID BY YOUR SYSTEM AND ITS GIVING TOO MUCH LOSS TO ME .

YOU ARE DIRECTED TO IMMEDIATELY MAKE ME A PAYMENT OF RS. 34000/- TOWARDS LOSSES DUE TO YOU WITHIN 24 HRS. AND TAKE YOUR BIKE RETURN, OTHERWISE I HAVE TO TAKE LEGAL ACTION AGAINST YOU.

We are the largest, sharpest, most united, most excited, most diversified, fastest growing team, breaking 100s of Eagles, Double Eagles, Platinums, Emeralds, Diamonds and CAMs.
Pankaj Singhal.
www.mutualinfotech.com

Ms. Satinder Kaur
Head-Customer Service Quality
ICICI Bank Ltd
South Tower
Ground Floor, West Wing
Bandra Kurla Complex
Bandra (East)
Mumbai - 400051
Email: headservicequality@icicibank.com

Dear Ms Satinder Kaur

Ref. ICICI Credit Card No 5176370120486000

I was issued the card under reference in the month of November 2003. Since then
I have been using it and making the payment (though initially I couldn't make
the payment due to shifting of my residence and I was intimated the same to
ICICI Bank) due to non availability of the statement. But I am making the
payments since then.

In the month of June / July 2004, I have made a request to the customer care
service of ICICI bank for final settlement of credit card, they said they will
get back to me in a couple of days time for the settlement amount. Since then
am requesting them with regard to the settlement. Every month the call comes
from ICICI bank for making the payment (infact they all say that "Sir you make
the payment for Rs.2000/- this time and we will get back to you in a couple of
days time. But neither have they contacted me nor I, because each time I call
them they are not in the office or never attend my calls!!!!) the last payment
i made to ICICI was OBC Cheque No 311722 dated 12 Jun 2006 for Rs.3000/- hoping
that they will do the needful!!! I believe this is because they want to only
get the money from the customers and in case if they settle any cases, they
will not be able to make the revenue to the bank!!!!! It's a great strategy!!!
I really appreciate that!! At the same time you may kindly appreciate that I am
also an employee of a reputed organisation, but I never harass our customers,
who come to us with any problem. It is quite amazing that a bank like ICICI
doesn't take care their customers). Some of the People who used to call (from
Delhi / Noida) me and made fool of me are :-

Gaurav Singh -41558466
Satyajit - 9818860934 / 4322807-10 (Nos seem t o be not working)
Komal Bhandari
Aditi KumarNarender Singh - 9911198762
Nitin Gupta - 9891689509
Anil Kawatra - 9911198752
Deepa - 52433546
And many more to name!!!

The so called Executives of ICICI Bank are very prompt to make the calls
shamelessly, inspite of the request that they have a request pending for
settlement!!! Very shameless people. And I am quite sure that the management
people do not know anything about the conversation, which, the so called
executives do with their customers!!!! It's a sad state of affair and am very
sorry to say that am really fed up with these people with whom I have to
interact every month (because am always ashamed of myself to talk to them!)
Who ever calls me and take the payment says that my settlement case will be
done in a couple of days time, once they get approval from Mumbai. I don't know
with whom they are taking the approval for the last 2 years!!!

I am sorry to say that I wont be paying a single penny in this situation and you
may kindly instruct your people not to call me unless a suitable reply is sent
from your side. I really don't know who much is my total due to the bank,
infact in my life i have never received any statement from your bank!!but I can
only pay the amount, which I had conveyed a couple of years back, that too
after deducting my previous payments and the balance if any!!!!

I hope you will understand my present position and help me in this regard to get
rid of this situation and resolve the problem at the earliest!

Thanking you

Yours sincerely

Krishna Kumar O P
Amity University
Noida

I have taken a personal loan from ICICI bank, Delhi. Initially i signed an agreement with them at a loan interest of 13% for loan amount of 3.36 lac.

But when i received my loan money, it was less than what was written in the agreement. To check this, i requested a copy of agreement from bank.

When i got the copy, i found there there is some cuting in it. The loan rate of 13% is changed to 16%. With that they reduced the total loan amout.

i got the loan in month of May. From that time i have given so many phone calls to bank but they have not given any solution for this.

I am attaching the copy of agreement with this mail. Please have look into it(specially on page 2 ).

So please help me in this regard and give some advise how can i get the justice th' Consumer Forum.

Siemens Power Engineering (P) Ltd.
6A, Sector 18, Maruti Industrial Area
Gurgaon - 122001, Haryana, India
) Fon:+91 - 124 - 284 2653
4 Fax: +91 - 124 - 2347512
? E-Mail tejindersingh.grewal@siemens.com

SUB: Account Charges

This is with regards to the Current Account held by us with ICICI Bank at Mapusa Branch-Goa. A/c No. 003005000273

I had issued a Cheque of Rs.14,00,000/- (Fourteen Lacks only) Crossed Cheque. To M/s Ace Brain Systems, Pune. On 6/3/06 and there was sufficient balance to get the Cheque cleared.

The said Cheque was cleared but on 26/4/06 my account was debited with Rs.3085.60 as RCA charges for March.

When I called up on Mr. Vivek (Branch Manager – ICICI Bank Mapusa) he informed me that the party to whom I had issued the Cheque deposited the said Cheque in Mapusa Branch, when actually they held a account with Pune branch of ICICI Bank.

Due to this it was treated as Account Transfer and hence my account was debited.

1. At no point of time have I requested or authorised the bank for the above said account transfer.

2. Incase the second party has availed the facility wherein they can deposit the Cheque anywhere (Mapusa) in the ICICI network, the bank should have charged the same to that party for having availed this facility.

3. Incase I had issued the same Cheque to that party and had the party deposited the same Cheque to their UTI account I would not have been charged. So why have I been penalized now that both hold account with the same bank at two different location. Does this mean that I should deal only with people not having account with ICICI Bank

4. When I spoke to Mr. Vivek he BM he suggested that I should have stopped payments for that Cheque. Now I really don’t know where he got that logic. I had issued a Cheque with balance in my account in the intention of making payments to the party now why should the payments be stopped.

I applied for an credit card from ABN Amro Bank in June 2004. At the time of applying for card I was told about a product , a health policy for my family. Premium for which I had to pay through monthly installments of credit card. Since the scheme was attractive I signed on the application for same thing also. In first three months I did not receive any policy papers. Since I had not paid any premium from my pocket I was not very much concerned too and forgot to check the statement of credit card also. And I was in the impression that there had been no policy issued against my application. And during this time the marketing team of ABN Amro bank credit card again contacted and since the health policy I found very attractive I agreed to meet this marketing lady and signed the application for health policy again. This time I received I documents for my policy within 15 days of my application . Later when I checked the statement of my credit card I was shocked to see that two policies have been issued in my name but only papers of one policy have been delivered to me. And then I started following up on helpline nos. ( call center no. ) of ABN AMRO Bank for cancellation of one policy but after repeated calls , nothing fruitful happened and I kept on paying the installments for two policies. **Please note that a healthy family of only 3 people only, will never need two mediclaim policies at the same time ( in reality which are of no use at all ). When I got fed up of calling up help line nos. of ABN Amro Bank I somehow managed to have the contact no. ABN Amro Bank in Noida. By this time I had already paid 8 installments of Rs. 327-00. Their reoply was that they were helpless in this case and they had paid the premium to ICICI Lombard and I must contact the ICICI Lombard now to get my one of policies cancelled and for refund too. After that I started my follow up with ICICI Lombard. But from their help line no. too nothing concrete came out. And then I got a contact no. of one office of Mumbai. They told me to write an e mail to the address abnamrosupport@icicilomard.com . when I wrote them an e mail giving all details and requested them to cancel my one policy ; they asked me to send them a letter in this regard. Soon I sent them a letter through courier but the credit card statement never changed. I waited them for three months and again wrote them an email and again the reply came to send them a letter on this matter. So I replied that I had already sent them a letter and gave them the courier details and at the same time I checked with courier company too but report of courier company showed that this was letter was delivered at ICICI Lombard office after two days of dispatch. And again I sent them a letter through courier and sent through e mail a scanned copy , for cancellation of my extra policy . After this also I kept of sending them mails but nothing happened and finally gave up because it was a small amount Rs. 327-00 only per month for single policy , not a big deal.

In the month of May end / June 2006, my 5 years old son got a very severe infection in his stomach because of constipation which he had developed recently. He stopped eating and vomited everything whatever he ate. He was taken to the doctor. Doctor told us that his hospitalization was must because the infection was severe. I informed the insurance company immediately and asked them also if they wanted to check the hospitalization. On 2 ^nd June 2006 he was admitted to a private hospital and he remained in hospital till 9^th June 2006 . By 16^th June when came back to his routine I sent my claim attaching all the required of hospitalization documents , doctor's certificate and all bills. On 17th JUle 2006 I sent all all the claim documets through courier

Since while selling this policy to me the company had made very tall claims about delivery of services , so I was just waiting for reimbursement of my claim. When till 12 ^th of July 2006 I did not hear anything from them. I called up the help line no. and I was told that the claim had been rejected saying that the patient had a pre existing disease. When I told to this call center person that my son was only 5 years old and my policy was one and half years old and asked him about the next step should be taken for this claim; so the person said I should call him up next day again and he would tell me in detail. Next day I called up again and got the another person on phone but without any answer for my querry and this time the lady told me that I should send a certificate from the same doctor saying that this disease was not pre existing. When I told her that I had already attached the certificate , saying the same thing. Then she said she had no further idea and told me to call up next day again. When on 14 ^th I called up again this lady noted down my contact no. and told me that they would revert back next day. When on 15^th I did not receive any reply of my emails to them and no phone also. I called up again and this time the call center lady said they have nothing to tell me since the case has been rejected the letter would be sent to me. On 17 ^th July 2006 I again wrote them an email and sent a copy to consumer grievance cell and then within 3 hours I received an email from them with an attachment of rejection letter which is dated 3^rd July 2006. Rejection Letter which is dated 3 ^rd July 2006 , they sent me on 17^th July 2006 by e mail , on itt has been shown that this was registered AD post . But in 14 days of its dispatch I have not received it.

I have paid Rs. 15696-00 ( Rs. 7848-00 for one policy ) to ICICI Lombard for this policy and my claim is only for Rs. 20 760-00. I am failing to understand if the TTK Health Services ( Third Party Administrator to ICICI Lombard ) can reject a claim for a simple stomach infection ; Would they pay my claim if I happen to get an heart attack in future. They will simply say that disease was pre existing , blockage was pre existing there were symptoms of High Blood Pressures , that's why patient applied for a policy , and after one and half years of taking policy managed to get an heart attack so it is not coveredunder policy. If the company does not want to refund the claim then they should clearly tell to marketing people so they do not make any fake claim to the customer and clearly tell that Medi Claim policy covers only Accidental Injuries because they are never pre existing.

I have asked TTK Health Services to tell me the name of the doctor or any hospital for verification my claim and for verification of the disease that it was not pre existing. Am I a fool that I would just sit with my ailing 5 years old son and wait for one and half years or two years for his treatment; will the doctors of TTK who have rejected this claim can wait for treatment of their children .

This is Nimit Sheth and am from Mumbai working for an US MNC. I have grievance against ICICI Lombard. In November, 2005, I had taken a 2year joint medical policy with me as the 1^st policy holder (age 29 years then) and my mother as the 2^nd policy holder (age 54 years then). On the policy certificate, they have published both ages as 54 years and I have been following up with them vide their call centers and talking to a scores of operators, but they have failed to provide me with a certificate mentioning my age that can be used in case of any casualties. I have been following up with them but each support person makes vague promises saying that you will receive a note (certificate from ICICI Lombard in X working days. I have so far not received anything and have also stopped following with them.

Can you please guide me what can be done about it? Should I register a case against ICICI Lombard with the consumer court?

_____________________________________________
Nimit Sheth
Quality Team

Lionbridge
Spectra, 6th Floor,
Hiranandani Business Park, Powai, Mumbai.
DID # 022 40007888
Cell # +91 98204 33578
www.lionbridge.com

I am Bulu Pattanaik from Hyderabad, well before 5 months ago My bike had been roobbed away from me, well that was a financed bike from ICICI bank, I went to the Insurance ppls, they asked me for such types of documents which had eaten almost 4 months of my time, they needed a Document from ICICI ppls that is a NOC from ICICI bank, and when I went to ICICI bank these ppls said me that you need to bring a Final Report from the Court, and for this particular report I have to wait for 4 months, now the ICICI ppls are harshing me to pay the amount of the bike whereas they are never trying to help me out in providing me the NOC which would make the Insurance ppls work easier to have the research to confirm the loos of the bike so that they can pay them amount by which me as well as ICICI bank could get the amount.

In my life I have never been truobled so much which I am being now by the ICICI bank, no one shows me the correct way to get the money soon from the insurance ppls, whereas these ICICI bank ppls they need their money immedeatly, they dont understand my problem.

I am writing this mail regarding a problem that I had with ICICI Bank regarding the conversion of my Car Loan Account into a Car Overdraft. This all happened around 8 months back, and despite of constant reminders to the most senior people of the bank no action has been taken against my complaint.

I had a car loan with the bank in which 14 installments were pending. Later a person from Bank DSA contacted me and told me about a tempting scheme (a complete bluff which landed me in all the problems) which will save a lot of money on changing my Car Loan to Car Overdraft. Initially I was not interested, but later I said yes for the conversion.

When the conversion actually happened I came to know about all those false commitments and bluffs, for which I lodged a complaint to the bank customer care (SR10131976137). No action was taken on this complaint, due to which I complained to the senior bank officials in the Bank’s Head Branch at Videocon Tower - Delhi.

They promised to take action against the involved culprits, but later on they also took no action. These false commitments landed me in financial loss which I was not at all supposed to bear. At the time of complaining, I used to receive calls from the bank that we will compensate your losses, which actually never happened. When despite of around 5 month’s of repetitive complaints to those officials, I moved to headservicequality@icicibank.com which is said to be the highest place to report any such consumer grievance.

But, they also used to make some promises which were never fulfilled. It has been 3 months since I have complained about my problem to them, and still no action has been taken. Despite of paying my entire loan amount 14 months prior to my supposed loan closure, I had paid the bank around 5 – 8 thousand Rupees more (still my car is on their name).

Please suggest me what should I do to resolve this problem? I do have around 8-10 complaints being logged through the emails (as there is no other mean of lodging a complaint).

I have names, telephone numbers and email ids of some of the involved senior people (who have taken no action for the lodged complaints). I don’t have the bluffed scheme in written, but the bank officials have confessed about the false commitment made by the person were incorrect which had to be corrected by the bank.

I can tell you my problem in detail on your request. I hope you can help me in this matter and wish for a positive reply from your side.

WNS Global Services Pvt. Ltd
Infinity Towers, 6th Floor
DLF Phase - II, DLF Cyber City
Gurgaon - 122002, Haryana

Dear Mr Siddharth,

I am in receipt of my credit card statement which I am forwarding to you with a request to ask the concerned to give me the details of Rs 4,333/= towards purchase and other charges.

Once you have confirmed that my credit card account for the payment of my utility bills has already been de- activated I don't understand as to how are we going to regularise this credit amount of Rs 2253/= in my account.

In this regard your reply ,in responce to my last mail, is still awaited.

Can you kindly suggest me as how to get rid of your credit card services ? I would also like to cancell my Primary and add on cards availed. Kindly guide me as to what am I supposed to do for that ?I shall be sincerely grateful for your kind help.

Pleading for help to relieve me of the mistake I committed associating myself with ICICI.

Soliciting reply per return mail.

Regards,

Lt IP Dikshit

Sir, Last month i have deposited rs.6300 throuh ATM of ICICI bank by two Covers(Since, each cover is permitted to keep 30 notes max). one cover contains rs 3300 is credited on my account which i maintained in the same bank with different branches. i have struggled for recovering my money for the last 2 months. but i am not. i need a help regarding this such as how to approach the bank, how to complaints etc.
thanking you
kannan ganesan

Respected sir,

I am satish annavarapu from kolkata. I have my salary account with
ICICI Bank Salt Lake brnach, kolkata.

I have got a problem recently with ICICI bank as I havent withdrawn
amount of 100 rupees on a date of 1st of June and I made only 1000
rupees. The records of them are showing that I have made two
transactions of with drawels and one is for 1000/- and the second is
for 100 rupees. But the thing is that here in salt lake you cant
withdrawn less than 500 rupees. The minimum amount should be allowed
to withdraw from an ATM counter is 500. So I have requested them to
verify the transaction once and came to the end result as saying that
I have my self withdrawn the amount.

Can you please suggest me what is the best way to approach ICICI now
in getting my money back.

Thanks &

--
Satish A

Dear Sir/ Ma'am,

I used to posess a ICICI Bank Credt card In the name of Ranjan Ghosh haveing
card No. 4477470056130009. In the year 2004, due to my purchases, the bill
was Rs.1,50,000/-. I paid the cheque to them with the said amount for which
i have a copy too. The bank did not debit this amount from my account and
when enquired by the customerservice department they just clarified that
there was insufficient balance in my bank account. I have a copy of the
bank statement as well as a bank manager declaration that the amount was
present in my bank account at that time. This went on for 3 months and
subsequently interest was charged for the same inspite of our paying the
cheque on time. We registered the complant for the same but there was no
listening. Ultimately we had no other option but to stop the card by
September'05. The balance at that time was 23,000/- for which we intended
to pay after we got a full breakup. In the meantime we have been
continuously interacting with the bank to send an executive to have the same
done but no avail. Today I got an sms on my cell that a fig of Rs. 43730/-
has been deducted from my account n this regard. i would like to go the the
customer court as this is a hardearned money from my PF account and I want
this back. this is total foul play and I expect consumercourt to take up my
case and help me in getting back the money immediately.

Thanking you

Warm Regards

Indrani

I wanted to deposit a sum of Rs.1950 in to the ICICI account of "Magical Methods Enterprises" (Account No:006505000874) for a course material . So I approached the ICICI bank at Beasent Nagar (Chennai) and filled the relevant details in the Pay-in-slip. Since I did not have the exact sum of Rs.1950, I gave 2 thousand rupee notes to the lady at the counter. In the denominations column of the slip I wrote 1000x2 nos = 2000 as that was the denomination I had but I had written clearly in words "One thousand nine hundred and fifty" in both the counterfoil and the bank slip.I have made a look alike pay-in-slip-please see attachments. But the lady at the desk transacted a sum of 2000 by mistake to the account of "Magical Methods Enterprise" and said that nothing can be done.

Everybody does mistakes and everybody have their own pressures. Fifty Rupees is not a big deal for me but to deposit money I travelled for 45 minutes and came to them but the way she replied made me lose my temper and spoilt my mood that day.She said they are busy and they don't have time to read through the slip or the counterfoil and that I should have informed them that the amount was not 2000. How can I write 1950 in the denominations column when I don't have the exact change? Whose work is this? How can they say that I should inform? For what are they paid for-to reply they are busy?

I approached a senior person in the bank and asked him how to fill a slip if you don't have the exact change. Won't it lead to confusion when I fill the denomination column. He said that mistakes of this sort did happen previously. Then I showed him my pay-in-slip and asked him what I should do now as the amount had been transacted. The minute he knew that his colleague has done a mistake even he started complaining that I should have informed the lady at the counter when nowhere in the slip it is written so. I want some action taken on this lady.I am not bothered about money but i want some action against her (depromotion etc). What is possible from my side? Please help.

Details
ICICI Chennai (Beasent Nagar Branch)
Counter No 2
Transaction Date:6th July '06
Transaction Time: Between 6.30 and 8.00 P.M.
Money Deposited to:Magical Methods Enterprises
Account No:006505000874

I recharge my cell through ICICI internet banking on 20/06/2006 which was unsuccessful, I got a message from Airtel saying “Recharge is unsuccessful please try again”, but the money got deducted from my account.

When I contacted ICICI bank they said “Bill payment processed successfully and forwarded to Airtel”.

I lodged complaint with Airtel customer care for more than 5 times, but till there is no response form you.

I request you to add currency to my cell or return the money with in a week of time,

I have not received any response on this issue till date and am totally dissatisfied with the way the issue has been handled by ICICI bank officials.

I am still not aware of the whereabouts of my cheque and the IPO application form, leave aside the compensation for the loss off opportunity due to not allotment of shares.

Can you inform me the top most authority on this matter in your organisation who can give me a responsible response to my plea ?

Hi!

I have just a quick question. Can a banking institution change the rate of
interest for hoem loan thrice in a span of an year?

I had taken a home loan in the month of March 2005 at 7.25% which was
revised to 8.25% and now 9.25%. Is that legal, please let me know.

Thanks and regards
Murali
Manager HR

· hi
My name is Adarsh Daniel Soans.I am facing problem with my ICICI credit card . When i did my cc i was IN "serviceable area" according to the bank. But now i a have shifted my house to "none Serviceable " according to the Bank.Which is only 25 km from my previous house.Before they where sending my monthly statements to my house once i shifted my house they stopped sending statement saying that i was in none serviceable area even though i am doing my payments correctly. Then i gave my friends address to receive the statement then they started sending there. i wrote a email to the customer care of the bank saying that i will pay the mailing charges pl send me the monthly statements to the address where i stay which according to them is in non serviceable area as i don't want to receive my statements to friends place but send to the house where i stay but they have said they cannot do that instead they have asked me to cancel the card . pl any one can give me solution for this . how can a credit card company ask a customer who is doing is payments promptly to cancel the card.IS this the correct way of giving service to the customer can any one give me solution for this

Hi Arun

This is murugesh perumal here from bombay. i had taken loan of 36200 on icici bank cerdit card on 9% rate of interest for 18 months on redcuing balance . Against which i had made a payment of rs 20000 to my credit card on 05/04/06 . Instead of adjutsting towrads my loan amount they gave credit to my credit card and deducting the EMI principal amount & EMI interest Amount every month . BY doing so they are charging interest on rs 36000 and not 16000 . And the rate of interest they have charged is also high. They have charge me rate of interest at 13.5% i.e 9% for 12 months & 4.5 for 6 months . they have add boths rate of interest .

U can call me at 9821050863

Thanking you

Murugesh

Please note my point-wise details as below :

   I received a phone call from some lady Executive based at ICICI Bank,
   Videocn tower, New Delhi for activation of Utility bill payment through
   ICICI Bank Credit card. After my confirmation, She sent courier boy to
   my office with a Form and I filled up the same and submitted my
   Insurance details for activation of the facility.   I do not have her
   visiting card because she discussed with me on phones.
   I have salary account with ICICI Bank. The address of the branch is :
         - ICICI Bank Limited, G-1, Padma Place, 86, Nehru Place, New
Delhi - 110019.

3.     ICICI Bank DSA approached me through phone and they offered me ICICI
bank Gold card based on my salary and salary account with ICICI Bank. DSA
sent through representative with a Form & I filled up the Form and gave my
salary slip for the new Credit Card. I do not have their visiting card
because DSA discussed with me on phones.

Please let me know if above details is sufficient or any more information
is required.

Best regards

Amrendra Pratap Singh

Dear Sir / Madam,
I had got ICICI CREDIT CARD in 2004 with clear commitment that there
won’t be any annual fees as such and auto debit will not be greater than
0.5% of actual purchase amount outstanding...

Everything was fine till march 2005 … ….however ICICI all of sudden sent
extra charges of around Rs. 750 towards their annual fees and then onwards
they started charging LATE FEES / Intrest fees Unnecesserily even before
credit time period of 50 days for other purchases also…

I immediately informed ICICI Customer service through their general Nos.
for Deactivation / stoppage / cancellation of CREDIT Card …..which has not
happened till date…

I had made actual purchase of rs 12,000/- and which I do agree always to
pay …

Regarding same , there was 1 executive Sh. Simon arrived at our residence
on 8/9/2005 He even had arranged my telecom with his senior Sh Rajeev .

As per this telecom, Sh. Rajeev agreed to send FULL & FINAL SETTLEMENT
STATEMENT for rs 12,000/- within 3 days and requested to hand over 1
advance cheque of Rs 2800/- to get necessary approvals for issuing FULL &
FINAL SETTLEMENT STATEMENT for Rs 12,000/- ( Minus Rs 2800 )

Accordingly I handed over them ICICI BANK Cheque .They also had assured
that above said cheque will not be deposited and will be returned back as
it Is along with FULL & FINAL SETTLEMENT STATEMENT for Rs 12,000/-

I WAITED LONG BUT No response as such till now from ICICI BANK CREDIT CARD
Division and they continued to send monthly statement with wrong charges
Piling up wrongly to huge like Rs 40,000/- ++…

Meanwhile on 3rd OCT 2005 , I sent them registered letter stating all above
facts and request to send me the FINAL statement of rs.12000/- .I had even
warned tthem to treat it like NOTICE but No response again till now....

Request your help for LODGING case against ICICI Bank Credit card division
in Consumer court ....

Regards,
Rajendra Gaikwad
022-30378643

hello my name is mnajunatha am an NRI working in signapore.

am holding an NRI account with ICICI bank bangalore branch.

i had tranfered RS 1000 to mt sisiter bank account through ICICI internet
banking MAY 2006.

the ICICI bank has deducted my money but it haven't reach my sister bank.

i had complained so many times in ICICI bank but so far they are not settled
the matter.advice me what to do next.

thx manju

This is to inform you that despite of several request and reminder since 05/06/2006 for the foreclosure statement,the bank has unable to provide it till date although committing so many times vide sms and mail that it will be dispatched in next 6-7 days(deatils correspondence attached hereunder).This is the worst banking experinece i have with ICICI and I have already decided to discontinue all my relationship with this bank.

As far as the treatment to this account(LPDEL00005002050) is concerned,due to default on many occassion and even after my follow ups for almost one month,the bank has not informed me the balance amount to close this account, therefore i have decided to stop paying EMI or any amount accrued on this account till this matter get resolved in the competent court of consumer grievances.

I would also like to inform that the bank will be liable to pay all the legal expenses,compensation for the harrasment and other expenses if any,to be done by me related to this case.The formal letter will be issued to you in due course of time.

Suruchi Srivastava
9811420635

Dear sir/ma'am,

I have gone through your website and quite attracted after reviewing
some of the successive stories as well as your great job, Hats off for
that!!!!!!!!!!!. I infact would like to become a member and would send you
my details as well as payment by this weekend.

First of all, let me introduce myself. My name is Venkatesh.Y, I have
done my graduation in B.com and persuing MBA through distance education.
I am located in Bangalore.

My case is as follows : -

I had taken a personal loan with ICICI Bank during November 2004 and
repaid 11 months EMI without any cheque bounces. And, I wanted to pre-close
this loan for which, I took a personal loan with HDFC Bank Chennai for
an amount of Rs.70000 during October 2005. HDFC Bank issued me 2 Pay
orders one in my name for Rs.39809.00 and another one in the name of
ICICI Bank for Rs.28791.00 for Balance Transfer.

I issued the pay order ( which was in the name of ICICI Bank) to ICICI
Bank to pre-close my loan a/c during the month of November 2005. The
bank had instructed me that i would get NOC only after 2 months. I did
not get NOC even after 2 months, so i went personally to ICICI Bank -
Bangalore to collect the same. But, Bank did not gave the NOC and told
me that my loan is still activated and THE PAY ORDER WHICH WAS GIVEN TO
PRE-CLOSE THE LOAN HAS GOT BOUNCED.

I enquired the same with HDFC Bank and HDFC asked me to give the proof
( PO and Cheque return memo). And, I followed up for these documents
with ICICI Bank for more than 3 months but was unable to provide me
instead they kept dragging the days instead of solving the problem.

So, I finally went back to HDFC Bank Chennai and got a letter from the
bank. The Bank has stated in a letter that, THE PAY ORDER OF RS.28791.00 WAS NOT PRESENTED AT ALL BY THE ICICI & THE AMOUNT OF RS.28791 IS STILL WITH THE BANK UNDER CREDIT.

I came back to bangalore and sent the copy of the letter to ICICI Bank
and awaited for the solution. Finally, after 20 days, ICICI bank gave
me a " PHOTOCOPY OF THE PAY ORDER & THE CHEQUE RETURN MEMO, IN WHICH THE REASON FOR DISHONOUR IS MENTIONED AS : NOT PAYABLE THROUGH BANGALORE CLEARANCE.

And, I spoke to HDFC Bank Chennai regarding this and asked them to pay
WHAT EVER THE CHARGES THAT ARE LEVIED BY ICICI BANK for the period of
November 2005 to till date. The bank has asked me send the details as
well as the documents but are not ready to pay me the compensation. ( as per conversation had with HDFC bank personal loans manager - chennai)

And, I have requested the ICICI Bank to wait until I get the PO back from
HDFC Bank, so that i can pay them the same. But, the ICICI bank people
are not listening to my words and keep calling me for the payment and
also threatening me that incase if i dont pay within 3 days, they are
going to send a LEGAL NOTICE and ALSO DAMAGE MY CREDIBILITY so that I
would not be able to get anymore loans from any other banks in future.

I just want to conclude this in a simple sentences as follows : -

PROBLEM FACED WITH ICICI BANK : -

1. The bank did not informed me nor sent me any communication regarding
the cheque bounce even after 4 months of occurance.
2. The bank did not provide me the proof of documents i.e CHEQUE RETURN
MEMO & ORIGINAL PAY ORDER even after following up for the same for
about 3 months.
3. The bank has levied heavy charges for CHEQUE BOUNCES FOR 7 MONTHS,
PENALTY CHARGE, LATE PAYMENTS CHARGES AND INTEREST CHARGES.
4. The bank is threatening of LEGAL NOTICE and DAMAGING THE
CREDIBILITY.

PROBLEM FACED WITH HDFC BANK : -

1. Giving a Pay Order which is not valid in bangalore even though after
taking my ICICI Bank loan details and documents before processing the loan.
2. DISHONOURING THE PAY ORDER, which has damaged my credibility very
badly.
3. Not solving the problem and not ready to pay the compensation.

So, this is my case and facing problems to get solved. Please guide me in this regard and help me to get solved out of these problems.

Please send me a line of reply so that i would understand that you have
seen my mail . Looking forward to hear from you at the earliest.

Hi,
I have had a similar issue with ICICI bank. I had applied for a Personal Loan from them and it was promised to me at 16% reducing balance.
I then recieved the draft and posted it to my account and later I recieved a letter from ICICI saying the Rate of Interest is 21%. I have tried following up ICICI and the DSA guys through whom this loan was sought. But it has had no resolution whatsoever. I am a little confused as to what I can and I'm supposed to do. Seeking your guidance on the same.

Thnx and Regards,
Arun M
__________________________________________
Training Officer
Ventura India Pvt. Ltd.
Pune,India.
Mobile # +91 9860821214
Email # arun.madhavan@ventura-india.com
URL : www.ventura-india.com

Title: Mr.

First Name: SANJEEV

Last Name: KHATTAR

ICICI Bank Customer: Yes

You would like to: Suggest

Product: Credit Card

Account No: 4477463518145004

What would you like to say: I HAVE BEEN HARASSED AND CHEATED BY YOUR BANK. IN YOUR INTENTION TO EARN FAST AND EASY MONEY, BANK HAS RESORTED TO DOINGS FRAUDS WITH CUSTOMER AND SURPRISINGLY THE LEVEL IS GONE DOWN SO LOW FOR A MERE 8100 RUPEES.

YOU PEOPLE REALLY HAVE FALLEN BACK ON YOUR CLAIMS NOW I FEAR HOLDING ACCOUNTS OF MY FAMILY MEMBERS WITH YOUR BANK WHEN YOU SAY " HUM HAI NA"

BEING LARGEST PRIVATE INDIAN BANK I FEEL SHAMEFUL IF THESE THINGS GET EXPOSED THE WORLD, AS YOU WOULD BRING BAD NAME TO ALL INDIANS.

E-mail address: vpsinc@indiatimes.com

Telephone no: +91-98100-14829

Correspondence address: AS PER YOUR RECORDS

City: N.DELHI

Country: India

Pin Code: 110028

I was over charged on my ICICI Credit Card in the month of July 05.Imade a complaint in the month of Aug 05 through telecom,through Email and sending letters to their branch at Hyderabad,Mumbai.No satisfactory explanation was given till date but the credit card division continued to send statement adding interest for the unpaid over charging.I approached the bank Ombudsman at Chennai who directed me to approach Hyderabad which was done promptly.So for no settlement has been established.

All in a sudden the Bank(branch ICICI at Gurgaon) blocked Rs 13600/=of my money and they say it is for credit card payment.

I will be pleased if you give your guidance in this matter and help me to settle this case through consumer court.I have an account with ICICI bank branch Sector14 Gurgaon.

Sir
I would intially appreciate for the intiative taken by you in fightng
for consumer rights.
I have a problem against ICICI bank and would like to brief you in this regard:

I have availed a Housing Loan from the bank and have been paying my
EMI regularly. In the month of may, 2006 they have started calling on
me and using uncouth language have been telling me that the payment
has not been made, where as my documents clearly indicate that the
payment i made and my bankers acknowledge the honouring of the cheque.

Even after my frequent visits just to air my grievance, none of them
is agreeing to acknoweldge the receiptof my written grievance and have
been pushing me fromone office to the other.
They have issued a apology letter, but I am irirtated by their
behaviour. Please let me what to do?
I have attached a copy of the sequence of happennings forur perusal"

Regards
Nelson Almeida

Thanx for your mail informing us of the fraudulent practices adopted by some organizations.

I too had a very bad experience with ICICI Bank credit card. They had promised to give "Life Time Free" card but slapped Rs. 1653/- on account of Annual Charges. After a lot of correspondence they refunded the charges and I cancelled the Card as I did not want to deal with such organizations. I did not expect this from ICICI Bank. It was a very painful experience indeed.

To,
Health Cops
ICICI Lombard General Insurance Co Ltd.
Zenith House, Keshavrao Khade Marg
Mahalakshmi, Mumbai-400034

Re: POLICY NO-4034/FPA/00488921/00/000 Dated: 18.02.06

Sub: Non settlement of claim of Mrs. Polly
choudhury,age-46 yrs against TTK ID
NO;BLC-IL-OOOO-O1-37121-A ,dated. 10.04.06 even after
the expiry of 60
days from the date of submission of claim dully
filled in allrespect with attached
original documents. TPA Address:202/204 Mehta estate
, Andheri(e)
Mumbai-400093

Respected Sir,
I would like to invite your kind attention that I,Mrs.
Polly Choudhury of
(Flat no-8, Block no-6, W2C ,PHASE=II, Golf green,
kolkata-95), am covered
under your health insurance policy ,had fallen sick
during her stay at Mumbai at
my daughter,s residence,under such circumstances on
31st march. I was
admitted to BELLE-VIEW NURSING HOME on the said night
with
complain of severe epigastric distress associated with
nausea and vomiting.
Unfortunately the cashless service was denied on
account of clause C-3
partening to pancreatic cyst.

In the column of provisional diagnosis of your
pre-authorisation request
form no(7) dated 31.03.06 the doctor had wrongly
suspected a pancreatic
cyst / acute pancreatitis with a hint of doubt (
clear from the interrogation mark
present in the prescription of the diagnosis column).
I was advised
to undergo for a plain and contrast enhanced CT of
the abdomen and the
pelvis and it has been rectified by the same physician
( DR. V.N. LULLA) in
his letter dated on -04.04.06 addressed to the TTK
HEALTHCARE
SERVICES (P) Ltd on the basis of the detailed report
of CT ABDOMEN/
PELVIS SCAN that the ‘ both adrenals are
normal and both kidneys show
good excretory functions. uterus and uinary bladder
are normal and other
pelvic tissues are also normal. cyst is in the left
lobe of liver and there is no
calcification, nodule or septa is seen, no ascites or
abenopathy is seen
and the bowel loops are normal, gall bladder biliary
tree and pancreas are
normal. the portal vein , spelenic vein and spleen
are normal and no other
significant abnormality is seen’.

Dr. V.N. LULLA has declared very specifically that,
primary diagnosis was
pancreatitis and the treatment given to me was on the
basis of pancreatitis
and the cyst was an incidental findings on C.T. scan
for which no treatment
was given. By ignoring the said doctor certificate in
his letter pad & other
documentary evidences, you have disrespected the
medical consultant &
illegally harassed me . Even after obtaining discharge
cum fitness
certificate from the nursing home, I was asked
unnecessarily to stay at
Mumbai for another 20 days with an expectation of
“ some more documents
could have been required for the process of the said
claim, as stated by the
customer care executives of your TPA.

Dr. V.N. lulla has very specifically clarified in his
letter-pad of BELLE VIEW
NURSING HOME (original submitted) on 05.04.06.
Further neither a single
drug has been advocated for the treatment of cyst nor
I was advised for
any surgical intervention(refer : clinical findings
and drugs administered).
Moreover , I have never suffered from any of these
pre-existing diseases mentioned in clause no C-3
because I have been
covered by another mediclaim policy of NATIONAL INSUR
ANCE CO
( 101900/48/05/8500006223) for a long time and I use
to get no-claim
bonus while paying my premium annually (current year
premium receipt
is furnished). I have enough proof to establish the
facts that I have
never suffered from any chronic diseases related to
cyst or deseases
caused by the presence of cyst. Non settlement
of health insurance claim beyond sixtydays without
valid reason has
afflicted with gross negligence which tantamount to
malefic intension and
violation of consumer rights . Under such
circumstances we request you
to look into the matter and take appropriate action
for settlement of the
med claim amount Rs.32558.00 only of receipt no 1914
(date of
admission. 31.08.06 and date of discharge 05.05.06) of
BELLE VIEW
NURSING HOME ( SEJAL, LINK EXTENSION ROAD OFFF. VEERA
DESAI RD.ANDHERI (W). MUMBAI-58. PH NO
-2673-6120/6097.
THANKING YOU.

......................................................................................
POLLY CHOWDHURY (CLAIMANT OF THE POLICY)

ALOK CHOUDHURY ( POLICY NO-4034/FPA/00488921/00/000)
E-MAIL: choudhuryalok2006@yahoo.co.in
ph: 09830309689/09883190602
033-24724501

Dear Sirs:

I need your assistance to find out if these two issues
can be forwarded to the consumer court.

1. I received a collection call from ICICI bank even
though my account was current. I was travelling and I
was called on my mobile phone. Can this be taken as
harassment.

2. I recently settled and closed my SBI credit card
(April 06), since June15th, I am constantly getting
about 3 calls a day seeking minimum due payment,
though i have given SBI more than once my settlement
details.

Look forward to hearing from you.

Thanks and regard

Josh

Dear Sir,

I have been holding ICICI credit card statement since May 2005 and in one of the statments, its showing an amount of Rs.8900 as cash withdrawl which was not done by me.

I am attaching my statements as forwarded by ICICI bank. Kindly advise how do i resolve issue.

Thanking you,

Regards

Zoheb Jamadar

I have lost my ICICI credit card. I reported the loss to the bank after two days. But in the mean time someone had made transactions on my card.

Please let me know whose liability is it to pay for the transactions I did not approve?

I was troubled by ICICI person to take BIG Bazaar life time free credit card and hence decided to take one

i gave my details and finally got one ICICI BIG Bazaar credit card, but every alternative day they are sending me again and again thorugh courier and i am refusing it back, i surely know they will nicely charge for it even though i have not applied for the same, its harassing me itself, kindly do help me out to stop them from doing this on an ordinary working lady inBangalore.

I have a ICICI credit card from past 4 years and I have stopped using this card from past several months.

Title	Mr.
FirstName	Krishan L.
LastName	Nath
Email	klnath@gmail.com
Phone	9815016008
Message	From my credit card the amount has been deducted for two health policies.But the documents recieved for one policy only. I tried to get one policy cancelled . but it was not done. Recently when my son fell ill and was hospitalised. MY claim has been ejected saying that it was a pre existing disease. No rejection letter has been gien to me so far. I learnt about rejection when I called up the call centre . The females sitting at call centre are so rude. Since I have not received any rejection letter. I have planned to go to court.I have been cheated by your compnay. I am going to launch a compaign amont internet fraternity.