bad behaviour to customer bank worker

I am a student and had a savings account with icici bank. As a student i always kept track of the small amount of funds i had in savings. One fine day i noticed i was charged Rs 111/- as a debit card fee and when i asked the manager of icici bank Margao, Goa he informed me that the fee was valid and could not be reversed even if i wished to close my account the next day itself.
I wish to express disatisfaction with icici as for me even the Rs 100/- make a huge difference.

I am delibrately harrassed by phone banking officer with false promises & fraudulant attempt for unauthorised charges on my credit card.

First their courrier service deliver the statement very lates, say 20 days after the statement date (payment due date is 23 days). secondly, not to show their fault, the courrier boy signs on his own on POD. Then bank charges late fee.

When called to customer service, telling them detailed situation, we are assured that charges will be reveresed, that means they agree fault on their part. But when statement comes, they levy another late fee for non payment of previose late fee.

I had called bank many times & talked to alomst 5 banking officers, all assured me that fees will be revered, but everytime, new late fee has been levied over tha past non payment of late fee, eventhough all the payment for purchases & expenses are done.

At some instance, when given reference of last call, we are told that no such calls are registered by phone banking officer.

This is going on for more than 3 months now.

In non of their branches, they have a counter to submit the complain for credit card issues, we have to drop in cheque drop box, that means staff can easily destroy those complains, since we dont have ackonwledgement on our complain. That's what i call fool proof method to loot customers.

What to say, No words for their Efficiency.

Lastly, i had sked to cancel my card, but again they informed me to cut it & drop it in drop box, so you dont have any confirmation of cancellation, again their staff can misuse your card details to do online transection & you might get payment statement for generations.

I am totally fed up with worlds most pathatic & inefficient bank.

I strongly recommand people to look for alternative bank, who are much efficient & honest in dealing, before signing up with this bank.

I am an Indian living in the USA.My ICICI account is in India with Maratha Mandir Branch, Mumbai.Due my inability to operate this account while abroad it became dormant.I treid to get this activated and called up ICICI call centre.My old father went to their branch in Patna too to find out how to get it activated.I was told to submit documents to maratha m. branch, which i did by post and sent an e-mail too containing scanned documents.however it's almost 6 months but not even a single word from them.I have tried calling again and again and my father visited their patna branch again, but now we are running in circles, while ICICI bank is enjoying my money rotting in their bank.I would recommend all NRIs to be very careful of this branch.Their service is the poorest of all banks I have ever dealt with.

I have complained about my e fund transfer, (It delayed for 3 weeks, Until today it is not credited), I don’t get fruitful answer and guidance on what to do if not received. I can here that it is transferred from ICICI bank. But it never reached in the beneficiary’s bank. Still fight with bank to trace it out, god only know when it is going to get it.