I have been going through the nightmare from ICICI Bank. Though I have been sending them mails and following up regularly. The only prompt action from them is - they send me a classical message saying 'We understand your concernns, your service request is so and so and we will get back to you in 2/3 days". But after few days the service request gets closed automatically without any action.
I have sent mails to customer care, NRI manager, NRI helpdesk, plus to the Branch Manager through online message. But the result is the same - no action; Here are my difficulties in the past couple of months;

1. I had opened a DEMAT account on 16th July 2010. A representative named Nishant had come to Fort branch to collect the copies of the documents and my application. He assured me the process takes few days, but he would get in touch with me. As there was no updates from him, I called him several times on his mobile (9833713830), he was not answering the call at all. On 2nd August he answered my call, in which I reminded him about my Demat account. He said in few days he would ensure I get the updates. But sofar nothing happened.
I called him on 4th September several times and reminded him about it, he said the officers delayed the process to verify my documents (Hope he says the truth), and he took my address, promissing me to deliver the welcome kit at my residence at Masjid Bunder. But as usual - nothing happened. Next day I sent him an SMS saying you havent sent the person with the welcome kit. No response from him sofar.

2. I had called Mr.Praful to speak about Salary account and I thought he might be able to help me on the demat account issues and other concerns I have with ICICI Bank. He gave me a reference of Sheetal Gadkari, I spoke to her and she asked me to put all my concerns by email, which I did. She neither acknowledged the receipt of my email, nor she actioned. I called her after two days to check if she received the email, she is suggesting me to call someone else as she was on leave. I requested her if she can forward my number to the right person and make me speak with them. She said she would, but again - nothing happened. I wrote email after few days to ICICI Bank, NRI Manager, Helpdesk with cc to Sheetal Gadkari - but no action sofar. I guess incompetant team of ICICI Bank doesnt care customer.

3. I had gone on a project to Saudi, as the payment is US$ and sent directly into our bank account (NRI). I called NRI Personnel (Mr.Chaitanya of Mira Road branch), asking if there are any steps I need to follow; He said nothing, just note the swift code and they can do the tt (wire transfer) into my account. I also wrote to ICICI Bank, they replied me the same. But when the wire transfer happened, they were prompt in deducting the amount from the sender bank but never credited into my account. After almost 10-12 days when I am following up, Mr.Chaitanya is telling me stories, saying due to RBI guidelines, we are unable to accept the amount. When I asked why it was not mentioned earlier? He said he started telling stories, saying he doesnt have access to emails, he is not allowed to mail me. I wrote to Customer care, they finally replied to me saying they have instructed the Mira Road branch to credit into my account. But when I contacted Mira Road branch through mails, there is still no action. This is 16th day and both my invoices (US$ 3600 and US$ 6800 are not credited into my account sofar). I called Mr.Chaitanya, he rejected my call and sent me SMS, saying he is in a training and he would call me back. He neither called me back, nor accepted my call next day.

4. I had opened an account with Fort branch ICICI, I was given online login/password. When I tried to login, the passwords given were not working. I raised this concerns couple of times, but there is no proper response from ICICI Bank.

5. I had a call from ICICI Lombard in 2009 about its full package insurance. The representative clearly mentioned that all the sicknesses will be covered as part of the policy. I took a policy by paying 15000 through credit card. But after 6 months when someone else saying a different story, he says, for the first year they dont cover all tests, only after 1 year or 2 years I can avail all tests. Now looking at the way ICICI bank staff treating its customers, I opted to close my insurance. I was given call by someone, asking me to renew the policy. I asked him I have few medicine bills of Rs.500 can I claime? He says yes I can claim if I renew. Meaning I need to pay 15000 to get 500 refund. Sounds like the person either came from Andaman Nicobar or he considers me I came from Andaman Nicobar. Just wondering what kind of cartoons ICICI Bank is hiring.

ICICI Bank has become truly unprofessional and careless. I have all the communication prints which I want to send to Mrs.Chanda Kochar. Hope she cares the grievances of customers. This is really getting ridiculous to see such a bad service from ICICI Bank.

V Quadras
9773004102

Hello,

I am Dr. Digambar More, From Dighanchi, Tal- Atapadi, Sangali. I have Account in ICICI Bank, Dighanchi Branch, and I have complain against branch Manager and Cashier.

I have Deposited Rs. 2 Lac on 20 Aug, 2010. At time of depositing money, cashier counted full amount and checked all notes.
On 28 Aug, 2010, Bank told me that there are some duplicate notes found in amount I deposited and they debited Rs. 3500 as 7 notes were Duplicate(as per bank office).
I am not agree to this statement and your action against me as I am reputed doctor here, your cashier checked all notes, if there were some duplicate notes he found then he has to intimate on counter only. As all process happened behind the wall, I think, your Manager and Cashier have done this with mutual understanding.
There 3 more case happen in this branch before also and they are with me and ready to report a case against Manager of Diganchi branch.

Here is snap of issue -

Dr. Digambar More

A/C - 637501000282

Branch - A/p Dighanchi, Tal - Atapadi, Dist - Sangali, 415315

Manager Name - Pandit Shinde
Cashier Name - Vikas Goaaka

Date of Maney Deposite - 20 Aug, 2010
Date of intimation - 28 Aug, 2010
Date of Debit - 30 Aug 2010


I just want my money back. I not deposited any duplicate notes and how come you know after week that those notes were deposited by me? This is straight forward fraud with us.

You can contact me on +91 9766807919. I am thinking to take legal action against this matter.

Thanks,

Dr. Digambar More,
Diganchi.

I withdraw cash of rs 3400 from ICICI ATM at dwarka on 11 May 2010. when i checked mini statement rs 110.30 deducted as transaction charges. as per RBI guidelines no fee will be deducted on third party transaction. My account is with HDFC bank. please tell me how i can get my 110.30 back from ICICI.

I have serious complaint to make at ICICI's desk regarding my credit card. The card had an outstanding of around Rs. 25000 long back and it was continued to be delivered at my old office's address. No one called me for any collection for almost one year. For the first time, I have been contacted now for a payment of Rs. 56000 that includes finance charges, late payment penalty and overlimit charges for all this time when the statement was not delivered at the right place and neither was I contacted to make any payments. If I had been given only one call, I could have cleared everything long back and saved on penalties and interest. Now, just within 10 days after their first contact, they have already raised the issue up with some lawyer and are telling me that they would take it further legally.

The funniest part is the credit card limit itself is Rs. 45000 and look at the outstanding. Since there has been a mistake on bank's end as well, this case has to be given a special consideration.

This is to bring to your notice the struggle and inconveyance which the customers are facing in getting delivery of their alloted TATA Nano Car.

I had booked Nano online through ICICI with great enthusiasm. I was lucky enogh to get an allotment in the first lot, July-Sep09.

When i processed my documents with ICICI bank well withing the time frame.Since then, i have not got any response from them on my application status, even though i have been chassing them them on daily basis. Now after 10 days when i finally got hold of their guy over phone, he says they will not convert booking loan into auto loan.

I really doubt if they were actually interested in converting this loan into auto loan in the first place. They asked me documents as if i was asking for a 1 crore loan. Anyway, i still provided them whatever they demanded for. But since then they never got back to me after that, proved that their intentions were not right.

I would say that i have been literally harassed by them. I wonder why they actually agreed for booking amount. May be they thought of earning a huge interest amount on the basis on just paying booking ammount.Now that they have filled their pockets, they want to get out this.

This has been a very bad experience and you definitely need to escalate this matter for the sake of customers and customer satisfaction.