ICICI Bank
reviews and complaints

05 October 2022

Below is our less than satisfactory experience working with ICICI staff in Sigra, Varanasi Branch in India.

We (my husband and I) opened a joint NRI savings account at the Sigra, Varanasi branch of the ACICI Bank a few years ago.

Due to the pandemic, we had not visited India since February 2020. We did not set up internet banking, hence were unable to do any transaction for the last 2+ years. This resulted, understandably, in a dormant account.

When we started to plan our trip to India, we also started the proceedings to set up internet banking and unfreeze our dormant account. Working with phone and internet support staff, we were able to gain internet banking and start the procedures to unfreeze our account. This process took about 2 weeks of our time, consequently, the trip date arrived and we traveled to India.

On September 12, 2022, we visited the Sigra, Varanasi branch and met with Mr. Rajesh Mishra, the Branch Manager. He instructed that we work with Ms. Puja Shrivastava, Deputy Branch Manager to unfreeze the account. We followed all instructions Mr. Mishra and Ms. Shrivastava gave in the name of meeting KYC (know your customer) requirements - which consisted of filling out a new reactivation form, along with copies of the passports, copies of the visas and passport size photographs. (Please note that we had already done so while we were in US and submitted these forms via e-mail). When we left the branch office, Ms. Shrivastava told us that she will submit the papers that afternoon and we will be able to unfreeze the account within a day’s time and we will get notification via phone or email. Meanwhile throughout our visit to the branch, Mr. Mishra kept pushing up: (1) to transfer NRI funds from other bank accounts we may have in India and (2) open an FD since the rates were so attractive, etc. We were more concerned about unfreezing our account at the time. He gave us his business card and said that we should call him anytime if there were questions.

We did not get any notification from ICICI in the next 2 days - September 13 or 14, 2022. Needless to say, we called Mr. Rajesh Mishra. He did nor pick up the call for the first few attempts; picked at 4th attempt and rudely told me “I am in a meeting and you keep calling…that he is not in front of a computer and to call the branch”. Well, the branch, in this case Ms. Puja Shrivastava did not pick the phone either.

Fast ward to September 15, 2022. No notification from ICICI about unfreezing the account. We traveled from Varanasi to Mau Nath Bhanjan, MAU, UP. On September 15, 2022, my husband, Dr. Triveni Upadhyay approached the Mau branch of ICICI bank to inquire about the unfreezing the account. He talked to Mr. Mohammad Asif at the Mau branch who immediately called the Sigra, Varanasi branch and found out that the papers to activate the dormant account were NOT submitted by Ms. Srivastava as of September 15, 2022, contrary to the promise made by her and Mr. Mishra, the Varanasi Sigra branch manager. This is a major dereliction of duty by the Sigra branch office management. Mr. Mishra and Ms. Srivastava are directly responsible for this failure to perform their jobs that created major disappointment and our inability to use our funds at ICICI while in India.

On the other hand, Mr Asif at the Mau branch extended a great deal of effort in this direction, made numerous phone calls to the Sigra branch and finally on September 20, 2022 our account became active. On September 24, 2022 we departed India.

Our overall assessment of the performance of three (3) ICICI management staff we interacted while in India – on a scale of 1 (very poor) to 10 (excellent) - is as follows.

Mr. Rajesh Mishra, Branch Manager, Sigra Varanasi Branch: 3

Ms. Puja Srivastava, Deputy Branch Mnage5r, Sigra Varanasi Branch – 5

Mr. Mohammad Asif, Mau Branch - 8

We provide this customer feedback in the hope that it will help you train your staff and help overall improve the services provided by ICICI management staff to its customers and thereby improve the image of the ICICI Bank.

Submitted by:

/signed/

Sadhana M. Upadhyay, Ph D

Concord, MA

USA

@icici rigi.[protected]@icici is accepting money for people those are running fraud telegram groups.Real stock™Admin @kartiksaran . Pl look in to this matter. reported to telegram,and youtube too.after taking money removed me. clear cheating

HIS NAME: KARTIK SARAN.TELEGRAM GROUP.::: REAL STOCKS.MODUS OPERANDI:: Gives free useless stock tips cleverly adds people in his paid group . paid group is bit useful( sells subscription for month/ two months / yearly) in case some one could not send screen shot then in middle he removes. which is purely un ethical. That to in TELEGRAM we can not see the face . we can see the mobile number. Not only this upon asking the reason behind this . he never replies rather removes from all groups and scold with abusive words like ""CHAL BE CHUTIYE""". This moderate qualified arrogant fellow himself thinks like god of stocks market. because he earns from people so he deals people like dogs. so this matter has been reported to cyber crime tamilnadu.

He does with many. Normally people are not aware to whom they need to approach. as most of the people either forget/ tolerate the cheating / or remain silence so that this @kartiksarn does with many. So i request [protected]@icici to make an enquiry in the ground level and take strict action with such unsocial people. Seeing the market level and predict it and earn money is it a very big thing? we do not have any personal value? i am senior professor and artist . am I a dog? because i do not predict NIFTY and BANK NIFTY?

Recently one of my FD's got matured and I have used the account online facility to put in a "Service Request" for its closure stating that upon the maturity of the FD, the amount be deposited into my ICICI bank account.

2 days passed after the maturity date and on the 3rd day I am receiving an email stating that the FD is closed and the amount has been outward remitted to my bank in Canada! I do not know who the heck have instructed ICICI to do the outward remittance and that too without my written instructions.

Have contacted the ICICI NRI Customer care officer and she had nothing to say and told me that after one hour she will call me back. 5 hours have gone by and I have not heard any thing back from her nor ICICI bank. First of all I had to hold the line for more than half an hour to get through as banking officers were attending other customers.

Never expected such a worst experience from ICICI bank. I am serious about closing down my NRI account with this bank and walk away for good. If the people in charge cannot understand plain simple English instructions then they should be better off in finding a job somewhere else!

NRI's a word of caution for you all...

Hi,

I am one of NRI and wanted to open NRI account with ICICI Bank Ltd, Even though its more than a month now and providing all the soft copied as well as physical copies in 2-3 days I am still waiting to get account created. Whenever I email them and ask for updates I get a standard reply that as per our telephonic conversation we have resolved your issues. The representative never called me to resolve any issues and don't have any decency to atleast cross-check what is the reply they are sending.

It was an painful experience till now and total waste of time. I don't want to recommend anything whether you should go with ICICI or other branches but please think wisely and then decide atleast for me NO ICICI.

I used my spouses money to India account and transferred money. It got deducted from US bank but was never credited. I spoke to 4 people in customer who gave me different answers. Finally they told that I should create an account in money2India with the same name. I did create an account but, that also did not transfer my money although it is deducted from my us bank. I have called them 4 times but, they dont help . One time, they told that - their system is down, it is midnight in India, there is no manager, they tell that they will call back but, they never call back. Extreme pain and wastage of time and of no use..

Foreign Currency Travel Card debit for undelivered product:

Trn Dt: 17/4/2022

Val Dt: [protected]:29:32

Trn ID: [protected]

Trn Description: E-commerce Payment/Ediscount/[protected]/860920 US$113.98 Debited, SETTLED

The vendor has accepted the order cancellation on Apr 27, 2020 and advised that the amount would be credited back to the card used for payment within 5-10 business days.

This has not happened as on dt (22 May, 2022) despite reminders - for which I have received no response

Card No:(last 4 digits) xx 2457

Action Requested: PLEASE REFUND the amount from the vendor/vendor's banking agent who received the amount od US$ 113.98 when order was booked

Merchant Name Original Amount Tenure EMI Amt With Interest Pending EMI EMI Creation Date End Date Status Of EMI Transaction

AMAZON PAY BALANCE LOA

10000 6 1745.30 1 02-12-2021 02-05-2022 Active

Samsung

16993.16 9 1991.87 6 24-01-2022 24-09-2022 Active

NOBROKER TECHNOLOGIES

30100 12 2731 7 05-12-2021 05-11-2022 Active

3 EMI AMAZON

21516.50 3 7328 0 09-01-2022 07-03-2022 Foreclosed

6 EMI AMAZON

14765.68 6 2564.29 0 31-10-2021 29-03-2022 Paid

Observe serious conspiracy with credit card statement ending xxxx0006

Please refer my table above as in my credit card statement.

(a) Amazon Pay Balance Loa-Rs.10000 for 6 EMIs 1745.30 remaining 01 EMI pending.

(b) SAMSUNG ESTORE SAVEX T MUMBAI IN - Rs. 16993.16 for 9 EMI 1991.87 remaining 6 EMI pending.

(c) NOBROKER TECHNOLOGIES 30100 for 12 EMI 2731.00 remaining 7 EMI Pending.

(d) AMAZON 21516.50 for 3 EMI Rs.7328.00 each foreclosed with complete refunding of Rs. 21,516.50 dated 04-FEB-22 ref: 74766512035204106315815 by Amazon on paid completion on instalment by Me vide dated 10-JAN-22 reference [protected] INFINITY PAYMENT with total concluded amount of Rs.14,000.00.

(e) 6 EMI Amazon Rs.14765.68 for 6 EMI 2564.29 is completely paid on [protected].

(f) Earlier monthly entire EMI was 9227. Now my remains total Monthly EMI as per detail furnished in above is 6468.87. How could increase 8227 for Due EMI in May 22 instead of reducing the total amount to 6468.87. You are honestly requested to give complete breakdown about due EMI on 01.05.2022 be 8224.00.

(g) drawn amount 5188 on 14/04/2022 with ref [protected] from lens kart LENSKART COM, GURGAON Piad on 14/04/2022 ref: [protected] UPI Payment amount of Rs. 5300.

(i) I have paid outstanding dues amount 11241.56 on 30/04/2022 vide [protected] via ICICI Bank as it was displayed in my account online.

I honestly request you to thorough pin point check-up of my all transactions.

After paid everything last as on 05 May 2022 statement shows dues Rs. 1749.46 on 02 May 2022. It shows some clear conspiracy of cheating me. It is displaying whatever banks want to make me show without following any norms in statement. Every time you are changing or modifying statement to get paid more money from me.

Entire annual and monthly Statement are being modified by you without following any norm. Previous the due date was 15th of every month but now it is advance by 13 days.

I opened my NRI premium account online that requires a minimum deposit of 2 lakhs. I duly transferred 3.2 lakhs into my account, hoping to have access to my funds immediately.

I get an email on Apr 4th that debit card and checkbook are delivered to my mailbox. I checked immediately and let them know that I did not receive debit card or checkbook. After 6 emails, 4 phone calls and 2 weeks later, I still don't have a debit card and I also don't have access to the funds in my bank account.

I needed to transfer funds to another account in India. I added a payee but I could not transfer funds because the process requires me to add grid values from debit card that I did not receive. I called into their call center for assistance. The customer care rep, could not help.

There should be someway to help get through this transfer without debit card. I requested to speak to his supervisor and he was not available. I was asked to call back after 2 hours.

The whole experience from opening the back account to still not having access to funds after 15 days is frustrating at best. Requested call backs multiple times, without any success.

It took nearly an year for me to close additional account because ICICI bank employees wanted to open multiple accounts saying different reasons. I spent hours calling/emailing to fix this issue.

Now the next issue. I am sending multiple mails for more than 2 weeks, since I couldn't upload the documents needed for money2India. I am uploading all the documents needed, It throws an error not accepting documents.

I am following the requirements suggested - size of the file and type of the file.

Nobody is taking effort to read my email or not even checking the screenshot attached.

Simply they are replying back with their copy paste email. That email says how much important are these documents and I should upload.

I am getting mad in reading these copy paste emails.

I am just asking to fix the issue on their side, so I could upload documents on money2India site. I am not okay in emailing my sensitive documents.

Now they deactivated my bank account saying, it is not operated. They are not even letting to operate.

Very very very bad NRI service from ICICI bank.

On 5th March 2020, the two transactions of Rs. 2000 (total 4000) were made in UBI Lokhandwala. The first transaction was for Rs. 10000 which went on hold due to security reasons at 7:32pm. The 2nd transaction of Rs. 2000 was successful at same time, the 3rd transaction was again for Rs. 2000 which was successful at 7:35pm and after that the amount of Rs. 5000, 2000 and 9000 went on hold due to security reasons. The last transaction was for Rs. 9000 at 7:52pm.

I've also sent you my proof of presence at customer.[protected]@icicibank.com. However, no one is responding for the same. Due to covid 19, the police station is not allowing me to come to their police station. Hence, accept my proof of presence and credit 4000 rupees into my saving account as I've blocked my credit card ending with 8004.

At the time of this fraud activity, I was in my office which is in Vikhroli Location.

It's a fraud activity. Hence, I've this much information only. So please don't put more burden on me as it's not my fault. Why your system and security is very poor? Why people hacked your Credit Card easily? Please get back to me at the earliest and resolve this long term matter.

I have closed my credit by paid the default amount completely and informed to the customer care and i'm still seeing the message of Rs ****** due amount every month. I have told to the customer care executive several times but still they continuosly calling and giving trouble if it continues i'll file a complaint againt the Bank

I need this to be immediately addressed and clear by debts

ICICI BANK has deducted Rs 1899 on 28.02.2020 (Friday) for OneAssist without my consent vide SR670049304 dated 28-FEB-20.
Bank staff are unable to resolve the issue as they are not interested in taking complaint from me.
Tried customer contact service several times but to no avail.

Please refund the amount immediately as I did not opt for any such service else I will proceed legally.

Thanks,
A.Srinivas
Email id :[protected]@yahoo.com

Dear Sir/Madam,

My name is Jatin Jain and I am a privileged customer of ICICI BANK FROM MORE THAN 7 years and from 2 months I am facing issues regarding the payment of the card bill due to which I am charged with Rs 4000 late payment fees which is wrong due to technical issues while making the payment and even i called ICICI bank customer care previous month and this month and informed them about the charges and they told me that that we will waive off the charges so kindly pay Rs 20000 this month and remaining late fees we will waived off but now ICICI bank is not helping a Privilege customer and supporting the customer to resolve this issue. I have a salary account in ICICI bank and one more thing, that auto debit automatically activated by ICICI bank without informing to the customer. Need your help and support in this to resolve this issue.

Regards,
Jatin Jain
[protected]

I am mohit ahlawat, my firm nobel 91 enterprises has current account in icici bank, city jhajjar. Haryana. Firm ac number is [protected], my phone number is [protected], [protected], two weeks ago I depositited a cheque in my firm account number, untill today cheque has not been cleared, even I dont have any known status about the cheque, when I talked to concerned person (mrs ruchika bvm) and informed her about the matter she replied ' you have to come here (bank), I said madam right now I am in delhi for my work and it is not possible to come to bank daily for every cheque then she replied very rudely I have lots of things to do when I said madam I have given all the information u need now u have to find out the solution then she said very rudely sorry I cant help it and dropped my call, I am really shoked what kind of employee these are, icici bank known for its good hospitality and relation with its customers but the response I got today is totally apposite.

This is regarding complaint no SR620077155, I have written an email to ICICI. I have been cheated by the Vasanthapura branch Bangalore, No one is responding to my problem. They made me transfer all the money before 31st march 2019 assuring that I will not be charged for DD, and now they are changing words and have charged me at the last moment, i have tried to connect to them and they are not even lifting my calls. I hope ICICI bank will look into this and will not cheat its customers.

Hi,
I have icici bank nri account in india and I am working in singapore. I have activated my singapore registered number with me for icici bank use only. I have to transfer some amount to india and its very very very urgent for me. I am trying to add a payee around 15 times but every time I am not getting urn for adding the payee. When I called customer care they are saying that they are sending every time. One guy tought me that I have to send a message as urn nickname to [protected] and I will get urn for that payee. I tried 10 times but didn't get urn number. Instead of that I am getting sms from icici bank is urn has been expired. How come urn can expire within 20 seconds? Will I get some help here? This is very urgent for me.

Hi team

Pls support

Regards
Arun

Sent Items
Re: 000H2aEEADBR6Q3R: Your Amazon.in order [protected] has been cancelled
"arun" to you & others
Sat, 25 May 2019 21:59:24 GMT+0530

Hi Team

Why u talking non sense, y including the latest emi with Amazon which starts by June?

Read the below facts carefully before sending templated responses:

Talk only about the Flip kart total valued INR 17999, monthly average emi will be 1616

1. March month emi bounced I agree, for which u placed lien for INR 4600 + INCLUDING THE BOUNCE CHARGE AND LATE PAYMENT CHARGE.

2. May month Emi u have debited the emi well within the due date. Why debiting 2900+, which is more than the emi value

I once again request u to not to send empty minded templates to complete your target

Also share your CEO's contact details for me to explore your incompetency.

Any illogical replies would lead this case to relevant forums and to the attention of honourable Banking ombudsman

Regards
Arun
[protected]

Sent from RediffmailNG on Android

From: customer.care@icicibank.com
Sent: Sat, 25 May 2019 09:50:23 GMT+0530
To: [protected]@rediffmail.com
Subject: Re: 000H2aEEADBR6Q3R: Your Amazon.in order [protected] has been cancelled

Dear Mr. Kumar,

We regret the inconvenience caused to you.

With reference to your e-mail, we inform you that your request regarding your concern with vide SR612286487 has been closed stating that " EMI loan booked for amount of Rs-17999 with 12 months tenure and EMI amount is Rs-1616.08. 2nd EMI loan booked for amount of Rs-12131.10 with 12 months tenure and EMI amount is Rs-1089.22. you did not maintain sufficient balance, hence LPC charges was levied to his account and the same cannot be reversed. Please maintain sufficient fund from 3rd onward to 7th every month for EMI deduction ".

We thank you for giving us an opportunity to be of service to you.

Sincerely,

Spandhana Bandari
Customer Service Officer
ICICI Bank Limited

NEVER SHARE your Card number, CVV, PIN, OTP, Internet Banking User ID, Password or URN with anyone, even if the caller claims to be a bank employee. Sharing these details can lead to unauthorised access to your account.

/

On 23-05-2019 12:58, Arun M wrote:

Hi Team

Pls ensure

Regards

Arun

[protected]

Sent from RediffmailNG on Android

From: "Amazon.in Marketplace"
Sent: Thu, 23 May 2019 12:28:54 GMT+0530
To: [protected]@rediffmail.com
Subject: Your Amazon.in order [protected] has been cancelled

Greetings from Amazon.in,

We're writing to inform you that your order [protected] from Amazon.in has been cancelled.

If you paid using net banking or credit/debit card, your refund will be initiated with your bank shortly. Your bank may take 2-4 business days for net banking purchases and 3-5 business days for credit/debit card purchases to credit the refund amount to your account.

If you paid by Gift Card, your gift card balance will be credited to your Amazon account within one working day.
Note: If the order contains other items that were not cancelled, a refund will be initiated after the other items in the purchase are fulfilled.

For more information on refunds, visit the following help page:
www.amazon.in/gp/help/customer/display.html/?nodeId=200701460

If you're still interested in this item, search for it again on www.amazon.in.

We've included your order details below for reference.

==================================================
ORDER DETAILS AND URL OF ITEM
==================================================
Order #[protected]
Placed on 22-May-2019

1 of TheGiftKart Luxurious Toughened Glass Back Case with Shockproof TPU Bumper Back Case Cover for Honor Play (Red & Black)
(www.amazon.in/dp/B07H96NPRV)

You can leave feedback for the seller from the following link:
https://www.amazon.in/gp/feedback/leave-consolidated-feedback.html?ie=UTF8&orderID=404-1122571-8046727

Thank you for choosing Amazon.

***********************************************************************************************************************
Got questions? We've got answers. Visit our online Help department, available 24 hours a day: http://www.amazon.in/help
***********************************************************************************************************************

Amazon.in
http://www.amazon.in

Please note: this e-mail was sent from a notification-only address that cannot accept incoming e-mail. Please do not reply to this message.

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I have submitted the requested documents for account closure 4 TIMES and my account has yet to be closed. Their customer service is the worst I have ever seen and the people who work for them are completely clueless. I HATE this bank and will NEVER do business with them. STAY AWAY from this company! They only want to hassle you and never want to offer any help or guidance.

This is to draw your attention that my ICICI debit card [[protected]] has been unauthorizedly charged by Microsoft for inr 6252.82. Transaction ID is O/[protected]/[protected]
My pin is secure with me and I have not entered any details for any transaction as per my knowledge. Please undo this transaction as it is ilegal as per RBI guidelines in India to charge a debit card without authentication such as pin or OTP from the owner. Please refund or charge back the amount deducted.

I received an information on March 26, 2019 at 06:48 pm from ICICI Bank as under:
Dear Customer,

"Greetings from ICICI Bank.
The Credit Card -Renewal for your Account XX9004 sent through Blue Dart Courier, AWB [protected] could not be delivered due to the reason mentioned below:
Consignee Shifted
To request for re-dispatch, please call our Customer Care."

I called the customer care several times in the last few days but the series of computerized instructions did not allow me to speak to the customer care executive to inform that our new address is Flat No.2202, Block 1-D, Skardi Greens, Golf Links, NH-24, Behind Columbia Asia Hospital, Ghaziabad; and our new phone nos. are [protected] and [protected] respectively. Will you please do the needful to ensure that we are able to get our credit card at our new address given herein above.