Mr. shalinder sharma rcm icici bank jammu send some gunda elements to my office and threating me for installment without taking due course of law.

I have been dealing with ICICI bank for the last 8-9 months with my salary account in HCL Technologies Limited, and credit card account (). So far I was very happy with ICICI bank. But today you people shattered all of my myths. If you see my credit card statements then, you will be able to find that how much I do transect on my card. I had cash back on my card before the month of December, when I purchased a product online (From Times Internet). This was never informed to me that you are drawing this offer back for internet transaction after December. You people keep on sending me a millions of e-mails and messages on my cell, about various offers and all other things, but you never did told this thing, also when I have availed this facility before. This is all your fault and lack of communication. If you talk about the monthly statements via normal mail, then I don’t check them as I do all the transactions on the internet.

Now my concern is that I did make two transaction last month which were very big one, one was the Air Deccan and the other was Dell Computers India Pvt. Limited. I had a choice from other banks which were providing me a very good cash back about Rs. 1000.00 against the dell transaction and Rs. 500.00 against the air Deccan, but I did not opted for the same and said that ICICI bank is going to offer me 2% cash back at least on the same. But to my surprise, you neither offered me any cash back and the rewards points was so bad, that one cannot imagine. I was not expecting this thing from you, that you are going to withdraw this offer without informing to the customers. This is not at all my fault, this is all your fault that you never informed this to me via e-mail, not via sms and nor any call. Else you people keep on sending thousands of messages and all that stuff to me.

So please tell me who is at all effected, ICICI bank?? I am sure and I have make up my mind not to use the ICICI bank card in future for even a single transaction. You will be very soon listening from me to close this ICICI bank credit card and I am going to publish it on the intranet site of my office, so that all 30,000 people in HCL Family should see it and never use ICICI bank Credit card again. This is the worst experience any bank has shown...

Re: To the Manager,

This is Hasmat Reza and I have an Account with ICICI Bank for the past 2 years and its a salary account (004201509432) with 0 balance and I have received the shock of my life today.

Your bank has debited all the money from my account and it shows a balance of Rs:31,940/- without any intimation and I would like to bring to your notice that I had called up your customer Care department to ask them and they said that its against your credit card bill.

Well Did I authorize you to access my account???? Why was it done without my authorization??... Does your Bank know what discrepancies I am having with the Credit Card department?? I had gone down to the bank to discuss the credit bills I was receiving and they told me to complain to the Phone Banking department as they are a different ENTITY..!! So, how could ICICI give the credit card department the authority to access my account?? I am hereby serving this as a notice that I would not like to be a part of such unprofessional Bank or have anything to do with them.

I will further make no payments at all and assure you that I will take legal actions against ICICI under Human rights.

My Uncle is the Editor of Statesman and I assure you that it wouldn’t take very long to mark a copy to him so that he can put it up in the Grievance column for all other ICICI customer’s and the public to know how ICICI is duping the very same people who think that ICICI is there for them and their money as u say “Hum Hai Na”!!

I had made several complains to the Credit card department for the wrong bills and corrected them but there was no action taken from their end for which I had stopped the payments and was waiting to settle with the Credit Card Department and finish off but with this having happened I will NOT MAKE PAYMENTS.

I also have loan going on with your bank why don’t you go and check if there ever has been a delay in the EMI? Code of the Loan is LPCAL000073 and I was expecting the cheque of my EMI coming in today until your Bank could do this to me.

Please take this as a Notice from my side that I do not wish to be a part of this Bank anymore. My account number ********9432 close the account and DO NOT EXPECT any payments.

Here is the interesting story.

- I applied for housing loan (Fixed interest rate) and got an approval for 7.75% (Year 2004). Bank asked me to send the documents that I did. ICICI guy delayed sending the form (that I was suppose to fill for disbursement).
- Bank said as there is already 31 days between approval and disbursal so you need to renegotiate the loan. New interest rate: 8.25%.
- I got the first disbursal (against construction) on 8.25%
- time came for second disbursal and I wanted an additional loan for 2 lacs. I asked the marketing guy whether you can increase the amount. He said yes he can and would be approved on the same interest rate (8.25%)
- Forget the additional amount when I got the disbursement of second installment (Remember fixed interest rate and not the floating); I got a letter from ICICI that new amount is disbursed at 9.5%
- When I called Marketing Guy; he passed my call to their operations guy and he just refused that Fixed rates are on fixed interest rate and did show any inclination of honoring commitment given by his marketing guy.
- My Experience: Last time I tried Corporation bank for my Car loan. Considering my experience I can safely say; Public sector banks are most under rated banks and are not that bad as we think. Private banks: I am not sure about others but ICICI - Sucks- Most aggressive, unreliable, no-commitment bank in India. Their "Hum Hain Na" advertising campaign looks joke to me.
- My Resolution: Close all the relationship I have with ICICI - ASAP.

ICICI Bank does not pay my salary yet 4 months.