I paid Rs.4630 against the statement for the month of Oct 06 on 1st Nov 06 Vide cheque no 337547 which got credited to your banks account on 6th Nov 06 as per my saving bank statement. Even after this I got statement for the month of Nov 06 stating this amount as balance. To add to the insult you have charged Rs.1630.31 as interest on this amount and late payment fee+service tax as 536. I have send so many mails to the customer care dept on this anomaly & requested to correct the accounts but to my surprise there was no response from them & the same continued till date. Getting no response from you, I decided to stop all transactions on these credit cards from April 07. Ultimately I lodged complaint in this month about non credit of the amount.On 17th July 07 I got reply from you that the amount is credited to your bank account on 17th July 07. How this can happen? The same cheque can not be deposited twice.Even after this your people are asking me to pay Rs.11492.12 instead of correcting account/statements from the month of Nov 06.I called them to send their representative to check the documents available with me. But instead of doing this they just call me for undue payment. This is a mental torture. If the things are not settled within 7 days, I do not have any other option but to approach consumer court to settle the issue.

An ICICI Lombard policy was attached on my credit card 4477 XXXX XXXX 8004 without my consent. I was charged 150Rs per month for 3 months which I was not aware of. When I asked for cancellation for this they told they will cancel the same. But this fraud people charged me Rs 3500 as cancellation fee. This is clearly a cheating case and when i ask them why they didn't told me earlier they said the representative might have told me or he must have forgot the same.
I haven't yet payed anything and now the due amount has reached 6.5k with all the late fees and interests.

I already raised a complaint at customer service still no use. They are not even ready to cancel my credit card.

Re: ICICI Bank

There are issues that I am facing through your bank, due to which it is causing me mentally disturbance. Here I am giving the issues as follows:

1. Credit Card Balance Transfer Problem (BT Ref No. 1505077331829)

May Month I asked the balance transfer from Credit Card No.4477 4636 4429 4007 for Rs.50, 000/- (Rupees Fifty thousand only) and the credit limit for this card is Rs.56, 300/- but when I received the next month statement there is no entry regarding this balance transfer amount. I am holding one more credit card no. 377 0403 8414 8004 and the credit limit for this card is Rs.10,000/- only and when I received this month statement I was shocked to see that the balance transfer amount entry is given in this credit card statement with all your banking charges. As per your banking rules no one can get more than 80% of the credit limit as balance transfer but in the statement it is showing 5 times more balance transfer of the credit limit. How can that be possible? In this regard I had talk with your customer care help line, but they are not giving me the solution in regard this problem, every one takes the note of the problem and tells that they will have a talk with their higher authority and get back to me taking my contact number, but still I have not received any call from u r banking persons. I have a note of the persons too whom I had a talk and told them the issue and they noted and told that they will call but no response here I am giving you the details of few persons with whom I had talk are as follows: DEEPAK-BOMBAY on 13th June 2007 at 12.15 PM, SOWPNA-HYDERABAD on 13th June 2007 at 4.00 PM, GANESH- BOMBAY on 18th June 2007 at 12.00 Noon.

2. PERSONAL LOAN Problem (PL Ref No.LPCHE00010564363)

I got a preapproved personal loan call from your bank in reference of my Credit Card No.4477 4636 4429 4007 for Rs.5,00,000/- (Rupees Five Lakhs only) with 1% as Service Charge Plus Service Tax Extra, but when I received the loan amount I got only Rs.4,88,764/- with 2% Service Charge Plus Service Tax less the amount. In regards to this issue when I had a talk with u r customer care help line number no body is giving response in this regard. Even after this I have not received any documents in regards to loan repayment date and schedule. I have a track of persons who were behind this forgery of 1% Service Charge plus service taxes are as follows: SRIKANTH- SALES MANAGER LOANS from ALWARPET BRANCH - IVCH, CHENNAI. HIS CONTACT NUMBER 9940097469, RAMESH – TEAM LEADER CONTACT NUMBER 9841174024, N.SEBASTIAN - SALES EXECUTIVE CONTACT NUMBER 9841291513.

I am very surprised with the way ICICI bank works. A year back I was approved for a Home loan (after a lot of miscommunication) and the first amount was disbursed to the Builder about 6 months back. When the second disbursement amount came, the Bank said they need my latest Paystubs and Bank Statement as there is a lapse of 6 month period. I sent all my salary statements and very much to my surprise they ran my Credit History and found that I have a home loan here that was not on their account, as I bought the house only 3 months back here in US. I asked them a simple question why and How did they run my credit history with out my consent - and I asked the Bank Manager an explanation for this act and inspite of 5-6 emails I received no response from Sales Agent or the Bank Manager, and my Loan is on Hold now - the service sucks, the privacy laws are totally taken for granted. I am still waiting for a reply from the Branch.

ICICI – THE WORST BANK IN THE HISTORY OF INDIA

I would request you to read right through till the end because this is one long email about the atrocities suffered by me from ICICI Bank over the last 2 and a half years.

Being rude is the biggest principle on which ICICI Bank survives. It all started with a credit card being sent to my Home address by ICICI without my consent. The biggest mistake I did ever in my life was to open the envelope and use the card. On further investigation I found out that such credit cards were sent very often to 3G employees because a 3rd Party agent named Kamal used to roam around 3G (Spectrum Towers – Malad). Nevertheless, it was my fault because I used the card.

ICICI’s mistake started somewhere I May 2005 or later when I called an ICICI BANK REPRESENTATIVE by the name of Kalpesh/Kailash (didn’t capture the last name at all) to blacklist my CC since I had lost the card).

The guy seemed helped but to my plight did not do anything but provide me with incorrect information. DID not suspend my card. Did not blacklist my credit card account. He also advised me that I had Rs 10000 outstanding on the a/c which I could pay anytime and there would be no further charges apart from the ones already there. I was a fool to believe him. I went to Delhi for business purposes and lost complete count of the matter (again my Fault) but when I came back I made all of the necessary payments as advised by an extremely rude person from ADVENTITY(the worst outsourcing process ever). Since it was a call from a collection agency I was scared and did exactly what was required because they ABUSED me over the phone. I wasn’t ever aware of any outstanding amount because it was a card sent fraudulently by ICICI and they never had my billing address so all the info and prints went to my office address which I wasn’t aware of. Anyways now that the payment was settled, and the advisors confirmed that on 28307777 I was a little relieved and then the ICICI non-sense started.

I started getting calls from ICICI bank and adventity advisors threatening me to make more payments stating that I had used the card more and paid less and there was supposedly phenomenal INTEREST RATES TO THE CARD they had sent me. All this kept happening and in November hell broke lose when my PARENTS (who are both Senior Citizens) were exposed to profanity over my landline. They contacted me and advised me to settle this dispute once and for all. At that point in time I did not even realize that this was happening from a Bank which is endorsed by people with such high dignity. I was contacted yet again by a lady advisor called Jyoti (pseudo name) who said that If I don’t pay Rs 2000 to them then they will take me to court. I didn’t have that kind of Money so what I told her was that I would give some cash in advance and the remaining by PDCs of 5000 each from April and just put forward one condition that it should be debited on 1st of each month beginning 01/04/2006. She immediately agreed and sent a man from ICICI to collect the details and cheques. All done and dusted, I thought that was the end of my miseries but ICICI (the worst bank ever) decided against that. In the beginning of June I faced the same problem but this time around I decided to get the issue resolved over the phone by speaking to customer services (Customer services is supposed to help the customer but ICICI customer services tortures the customer).

In December, I spoke to a so called Manager Priyanka Kokitkar (02267034180) who further escalated my matter to Nirav Parekh (02266430549)and then later to Navin Jain. All of them useless Manager and should be sacked because of the way they work. Disgusting to the core and no manners whatsoever (forget helping customer they kept promising call backs which never happened on time and just kept passing me from one department to the other.) I was extremely frustrated but I needed the matter resolved. Finally I man from ICICI (Mr. Pandey) came to my house one fine day in Jan and started demanding more Payments. When I refused stating that my total purchases from that card were a mere Rs 40000 odd and I had already paid ICICI more than Rs 55,000, he stated that I had to meet his Boss Mr Rakesh Sharma ( 02266493469 and mobile no -9867567608). The worst person I have met at any level in any organization. I went to the Andheri Branch Office of ICICI in JB Nagar on the 1st floor and waited for almost 25 minutes before Rakesh sharma could show up. He listened to me very patiently but after repeating myself over a million times by then I am sure he did not agree with me but promised to sort it out. I had already overpaid this Bank by a huge Margin but it never occurred to me that they were cheating me. Finally, Rakesh Sharma promised me a callback with a certain settlement amount. I was going to pay one more time but that was the only way out. I said fine. No callback came but in April Mr Harish (9892315659) who is representative of ICICI came to my doorstep threatening my parents and me for the money (which I never owed them). I blasted out of sleep and said thing to him in such a tone that he immediately called his Boss Mr. Ravi Bhosle (02266493649) who apologized to my Father for everything that had happened ad also confirmed that his SON Vineet Bhupendra Yadav (that I me) DID NOT OWE ICICI BANK A SINGLE PENNY and if there was something then ICICI SHOULD REVERSE ALL THE CHARGE AND PROVIDE ME WITH COMPENSATION FOR THE PROFANE LANGUAGE THAT MY FATHER WAS EXPOSED TO. Mr. Harish was still there and said that this was the last time that anyone was bothering me at home or on phone. They confirmed that they would send out a final zero balanced statement to confirm that I was finally relieved from the BANK. BOTH OF THOSE AGED MEN LIED BLATANTLY TO GET OUT OF THE SITUATION THEY WERE IN. LIES, RUDE BEHAVIOR, PROFANITY etc etc … this is what ICICI is all about. Don’t trust me…read on

In April 2007, ICICI debited my account by 14000 Rs towards this credit card which I lost 2 years back, when I called to complain and advise that this had happened everyone was EXTREMELY RUDE AND INANE to what was happening. As usual they kept referring me to this Rajesh Malviya (02266493495) person who apparently was the HEAD of these decisions at ICICI credit cards department. I spoke to that gentleman for quite some time in the evening. Initially he was very helpful in listening me out but as soon as it was 19:45 hrs he started to be rude and naïve to my problems and very categorically hinted that his office hours were getting over and he wanted to go home. At that time I even mentioned that I would take this to the newspapers and he replied stating that it was fine as no one could do anything to HIM and that was the time when I decided to escalate it to him Superiors there but he kept stating that he was the only one in ICICI at that post and he did not report into anyone (A BIG BLATANT LIE accompanied with a lot of rude character which is in the BLOOD of ICICI STAFF)

Rs 14000 gone from my account and no one seemed to do anything about it at all. Useless Customer services guided me to Credit Card department. Rajesh Malviya kept saying he will callback but he never did and it eventually died out.

But what happened yesterday has now shaken me to a level where not only will i take this matter wherever i have to but also get so many people looped on to this mail that one cannot imagine.it will start at 17;00 hrs today when i send it to 7000 employees in my company and ask each one of them who has an icici account or credit card to call up and cancel their accounts at the earliest so one can imagine what the call flow wioll be for the next 3-4 day in there baseles,useless and good for nothing call centre.

Yesterday i called on 02228307777 to check my available balance since my salary comes on 31st each month and i saw that icici had put a bar and debited rs 46472 on my account. I immediated called and spoke to someone called shrikant who did not even hear me carefully and said that managers at icici only callback after 24 hrs for issues like these and not only that he stated that this was something not extremely important. All the managers at icici were on calls because of the heavy call flow. I was irate so i yelled at shrikant and in less than 2 mins i had a manager named raja (extn – 4652) came online. I asked raja for his surname and he refused me the same. He said i will make it simple for you –there is only one service manager called raja (extn – 4652). We spoke and agreed on a few things, i asked him which manager is working last nite and he said phanindar (and refused to give me his/her extn no. Stating that no one in icici had that no.). Then a few minutes later he called me back last night and said that he had organized a callback from the credit team to call me back at sharp 08:30 am. A call which never came until i write this email.

My aim in life has now changed – i will ensure that everyone at icici bank who has interacted with me with regards to this one issue is dealt with in any way possible. I will bring as much bad name to this bank as never before. I will distribute a copy of my pamphlets in buildings, shops, offices and wherever it takes to ensure that people do not choose icici bank as an option.

I will be calling them right now and going to the malad branch opposite paradign building and starting my activity and take this up further in any way possible, unless they decide to refund all my money.

The names mentioned on the email are absolutely correct and i have also mentioned their mobile nos., landline nos, or office extensions as far as possible and as far as i remember because this has been a long issue.

I requested all the people marked on this mail to take this up further and join hands with me and taking action against icici in whichever way possible. Please also forward this mail to as many people as you can so that they are aware what icici is all about.

Thanks & regards,

An extremely pissed of customer who will now live only to make ICICI suffer.

Vineet Yadav
3globalservices Pvt. Ltd.