India - 400051
ICICI Bank has troubled me to the core...this is the worst experience that could have happened to me.
1. I placed a dispute for online transactions that happened on my credit card one after the another on 29 Dec 2007, summing up to Rs 25000/-...
2. Customer service mentioned that they wold take 60 days to resolve dispute but it is over 6 months and they have not been able to resolve the dispute in favor of neither of us.
3. I have a documented email from the lawyer from ICICI bank that the investigation is in process and initiated on 7th May 2008 and it will take 60 days to charge back that amount.
4. After all of this; they end up debiting all the disputed transactions with interest from my savings account with ICICI bank...
Ridiculous... It has been 6 months they could not prove that I made those transactions which I did not anyways and they will never be able to prove me wrong...
How do I go about getting my hard earned money back?
Date : July 4, 2008
Cyber Crime Investigation cell,
Annex III, 1st floor, Office of the Commissioner of Police,
Mumbai - 400001
My name is Shanti Maiti. I live in USA - California for the past 11 yrs. I visit India often. I have an account with ICICI Bank Ghatkoper Branch. (Contact details :
Chandrashekhar Salian Regional Sales Manager [protected]
Umang Shah Investigating Officer [protected] Umang.[protected]@icicibank.com
Jigar Anandpara Area Sales Manager [protected] Jigar.[protected]@icicibank.com
Rupa Chanda Assistant Manager [protected] Rupa.[protected]@icicibank.com
Customer service [protected] [protected]@icicibank.com
My NRE A/C No.[protected] GhatKoper Branch India which was debited fraudulently.
MR. SHAKEEL AHMED A/C NO. [protected] : Which was credited.(FRAUD)
Transaction Code by which the money was debited from my and several other accounts.
BIL/[protected]/RAVI/NSP - 96000/-
On 6/21/08. some one hacked their website (or ICICI bank has glitch in their program)and debited my account : [protected] for 196000/-.
On 6/23/08 I received a mail from Mr. Umang Shah asking me or my relative in India to contact him regarding Internet Fund Transfer .
On 6/24/08 As I was not sure if the mail was genuine and from ICICI bank, I replied to his email “What Fund Transfer are you talking about.?” Please contact me at USA no.
On 6/28/08 as I did not hear from him I had some doubts about the mail. So I tried to log on to my account through Internet but I could not log on as it was stating that my UserID is disabled. So I contact customer service at [protected]. Just to assure I asked the balance and was shocked to hear the balance. Then I contacted the Mr. Umang Shah - Investigating officer of ICICI bank, Rupa Chanda - Assistant Manager -they confirmed that my account as well as several others accounts were debited fraudulently.
I tried to talk to the Branch manager but she was not willing to talk to me.
Same night Rupa Chanda called me to assure that it was a fraud and my money will be returned.
From customer servise also they assured the same that I will get my money back.
Now they do not want to take any responsibility and do not even want to talk to me because they know its ICICI bank fault. Either ICICI bank has glitch in their Internet Banking or their internal IT employees are involved.
Since then I have been trying to get in touch with a responsible authority of ICICI bank as these customer care banking officers and the Branch Officer do not want to talk to us and disconnect my phone.
I want to lodge a complain against ICICI bank – Ghatkoper Branch as NO ONE CAN HACK A SECURED WEB SITE OF A BANK LIKE ICICI WITHOUT THE HELP OF ICICI BANK INFORMATION TECHNOLOGY DEPARTMENT.
Also please note that they came to know about the fraud on 6/23/08 and did not even bother to call me and confirm if I did that transaction. On 6/28/08 Mr. Umang Shah told me that when Mr. Shakeel Amed’s account [protected] was credited with lots of money from my account and several other account holder they were alert and kept a watch on his account.
I want to point out ICICI bank irresponsibility (On purpose as employees are involved in this) here is :-
1. Why they waited and did not freeze his account or questioned him immediately.
2. Why they waited till MR. Shakeel Ahmed took out all the money from his account.
3. In banking system whenever there are suspicious transaction like this an Alert Flag is raised and respective Team is informed about this so that they can keep a watch on it.
4. ICICI does not allow to withdraw more than 25000/ per day from ATM. In banking system there is a limit restriction to transfer money via Internet Banking. How cum my account was debited for 196000/.
5. Here again when his account was credited with tons of money why the team did not contact us immediately.
How cum these hackers do not hack our national banks. If these are hacker then they will hack any web site even the national banks.
Now ICICI bank does not want to take any responsibility. It seems there are lots of complain against ICICI bank with cyber police of Bombay . I spoke to the Inspector of Cyber Police and they confimed that they get lots of complain about ICICI bank.
Working as a systems analyst in IT of Bank of America we know that this kind of hacking is not possible without the help of ICICI bank employees.
These private banks like ICICI hire morally cheap employees who do this kind of hacking with partnership of outsider and get away clean.
I am also contacting the Finance Ministry and all possible authorities
2710 cimmaron ave,
Simi Valley California 93065 USA contact : [protected]
Bombay contact : Ms. Manju Sharma – [protected]
Jagdeesh Society, Rn. 22,
Jadusa Nagar, Ghatkoper West
1. Manju Sharma – Ghatkoper.
2. Darshit Chokshi - ICICI bank – New York Branch -
3. Indian Consulate – USA
4. USA Embassy – India
5. Aaj tak news
6. India Live News
7. Consumer Grievance forum of India
8. Ministry of Overseas Indian Affairs
Dear sir, As against my last month stmt. of card no.[protected] I put Rs.8650/- for the total amt.due...
To The Manager
Personal Loan Dept
I am Nischal Diwakar, I contacted one your staff Mr. Atul Cell #: [protected], from ICICI BANK Personal loan greater Noida U P.
I applied with complet document on 4/06/08 for loan of Rs. 51000/- my loan approved on 16/06/08, I gave two cheques to Mr Atul on 17/06/08 but I haven't got money till date.
Greater Noida UP
I paid 10, 000 Rs from my Axis Bank debit card to ICICI bank credit card on 4th of April. But till now the amount has not been credited. I contacted ICICI bank regarding this and they asked me to give the details. I have given them all the details including the print outs. I mailed them 7 times and after every mail they called me and said that my request will be processed in 2days. I waited for 3 months. But no response. Then i mailed them that I will lodge a complaint. Even then no response. But they are sending me the credit card bills with huge interests. It is worse on their part. For every mail i sent they replied me. Last saturday one representative called me from HYD and said that she wants some ARN number, with out which they cannot proceed. They could have asked me this before 3 months. But even now they are not responding.
I agree with article about ICICI bank home loan to the fullest and it has provoked me to raise my house and file the formal complaint with this site. I took the ICICI loan and now the interest rate is 11.5 (even after twice in the loan tenure i have paid 5000 to reduce the interest rate, without that it would have been 12.75). I have therefore never ever recommended anyone ICICI bank. I do believe ICICI is the most unethical bank i have ever banked with. they will show the carrot and then once hooked will exploit to the fullest. I am about to take the second home loan and this time i have even bothered to ask/inquire about the ICICI offer, simple reason I am more than confident that they will cheat their customers again and again. Now i will be there new customer but after year or two i will the "unfortunate Loyal Customer".
Take any example, remittance they are the the one who offered the least exchange rate but their advert is the most beautiful especially with Shahrukh, and of course shahrukh won't bother to check the authenticity of the products unless he is getting paid hefty to lying "Take my word for it!!". Some one who is sincere fan of shahrukh will go for his word and will get cheat with the exchange rate.
I had transferred some amount from my salary account in CIMB bank, Sungai Petani, Malaysia to my sister's account in State bank of India, Nagaland, India via TT( telegraphic transfer) on April 24th 2008. The fund from CIMB bank will be routed through ICICI bank Chennai into my sister's account in SBI. Till date ICICI has not credited the amount into my sister's account even though it was transferred to them on 24th April.
Telegraphic transfers take maximum 2-3 days. However ICICI has not transferred the amount even after nearly 8 weeks.
Dear Sir, Please confirm me my balance of loan against loan sr no [protected]. please mail the...
I have closed my credit card on 5th September 2007 vide receipt no.C08070 3669257 for an amount of Rs.90, 500/- against my icici bank credit card. However till date the bank is still sending me SMS, mails and statements to pay the interest accrued and service tax amount against the above credit card. Because the bank has not updated their system / records on the above closure and they keep sending reminders calling and sending letters to residence, creating more problems and pain to customers. Inspite of my several requests to customercare/ call centers and credit card depts regarding this closure has just got drained and went all in vain.
I am Sukhchain Singh from Ludhiana Punjab & having saving a/c [protected] in ICICI Bank Frz. Gandhi Market Br. Ludhiana. ICICI Bank alloted me a credit card [protected] with credit limit of Rs. 20000/- & then proposed a health insurance policy debiting Rs. 12000/- to
my credit card a/c on 13-10-2006 in a self styled manner without my any request for credit card as well as insurance policy. On receiving insurance proposal I immediately back-referred for cancellation of insurance policy as well as credit card.ICICI cancelled this policy vide
its letters dated 31-10-2006, 13-11-2006 & [protected](copies in attachment).I also received an e-mail dated 9-2-2008 from ICICI that my policy had been cancelled w.e.f. 27-10-2006 & full refund of Rs.12000/-
had been credited to my credit card a/c (copy of e-mail in in attachments).
But ICICI Bank has been showing Rs.15081/63P debit in my credit card a/c & marked lien on my saving a/c for Rs.17192/63 w.e.f. Nov.2007.
Inspite of repeated requests & representations till today ICICI has not removed lien from my saving a/c. ICICI has harrasing me since last two years by raising unjustified debit to my credit card & freezing my hard earned money in my saving a/c. Kindly help me. Thanks.
SUKHCHAIN SINGH #12446 STREET 9 VISHAVKARMA COLONY LUDHIANA-141003. MOBILE-[protected]
I work for Infosys and has the salary account in icici bank#[protected]. On 31st December 2007, an amount of RS.3000/- got debited from my account saying "TP ICICI PRULIFE". But till now I never had an ICICI Prudential policy. Since then I have been calling customer care numbers of both ICICI BANK and ICICI PRUDENTIAL. Neither of them responded in a proper way and tried escaping guiding me to the each other, saying that the issue doesn't belong to them. What a joke??? Both of them are a part of icici group and none will take the responsibility :(
Then I started mailing [protected]@iciciprulife.com and [protected]@iciciprulife.com but they ask me for the details of the transaction and will say "we will revert in a week" but they never came back with a response. Till now I have mailed them around 30-35 times.
I got vexed up following up with them for the last 6 months. Is there any way to get away from these kind of situations.
I am an NRI customer of this pathetic bank for last few years. The service used to be about right 2 years ago...
I am suffering from very bad experience through ICICI Lombard Peoples, i had taken one policy "Family Floater Health Insurance" from ICICI Lombard, on 13th May-08 at 5.15 p.m., as under the guidance of icici lombard executive Mr. Pravin Shinde i have wrote "preexisting desease" in the policy..bcoz of that my policy showing Waiting approval status..again i have got the call at 6.00 pm and he said u have fell wrong form and again he taken the fresh policy from me..two times my money debited for the same policy due to the icici lombard executive..and now they people sayin that for cancellation we will deduct 25% of ur policy amount..please guide me for this
ICICI Bank has debited and transferred all the Reward points from my Credit Card account to a new iMint account without my permission/authorization/approval or even intimation. On top of that they say that this has been done by the bank as a corporate decision and in the interest of all its customers, and as such the transaction cannot be reversed. Once credited into my account, my contention is that the reward points are my property and the bank has no authority over the same. By their logic, someday they can transfer all the money from my account to another account stating the same reasons as above. Till date, despite several calls and discussions with the customer care managers, the transaction has not been reversed.
I have since stopped using my ICICI Bank credit card since the offers and reward point redemption gifts for other banks are much better that ICIC Bank's!
Whom to believe when banks like ICICI is diverting your money in their account.
Beware!!! Even the country's one of the biggest banks like ICICI can sweep your money in their account without your knowledge. Unbelievable but it's true.
Suppose you have deposited a cheque in ICICI bank thinking that it would get credited in your account, as you have full faith on your bank. Think twice. That money may not come to your account……in fact it can go directly in a suspense account. You will not be informed even. You will not even find mention of that cheque in your statement as well as in your internet banking portal. Bank has made procedure so cumbersome that you might find it difficult to get that money credited to your account as you cannot do so with your internet banking and also you cannot do so with phone banking.
ICICI Banks justify their action saying that they are keeping public money in their account "AS PER RBI GUIDELINES". How can one believe this.
ICICI bank is fully aware that in this busy modern world people do not have time to go to banks and cheque if the cheque that they have deposited is credited in their account or not hence they have devised this unique method to dupe you of your money.
THE STORY GOES LIKE THIS
"I deposited a two cheques on dated 5/11/2007 in Delhi
1. Cheque No. 416471 for Rs. 23299=00
2. Cheque No. 206991 for Rs 1382=00
The first one of Rs. 23299 got credited in my account but my other cheque i.e. Cheque No. 206991 for Rs. 1382=00 is not yet credited in my account inspite of the fact that I have written so many mails to bank confirming that it's my money. Reason for not crediting the cheque in my account was that my full name was not mentioned in the cheque. Although the cheque was crossed and I was depositing the same to my saving account.
And the most frustrating is the fact that I am not given any information by the bank where my cheque is? Bank is keeping that money without my knowledge. I fail to understand why bank is collecting money like this from the customers. ICICI Gurgaon Branch is notorious for this kind of cheque problems. They keep cheques in suspense account for months together, Thats what I hear about this branch.
I really have to fight with their Operation Manager to get my cheque credited to my account earlier also. Detail of that cheque was as mentioned below;
Cheque No. 315502 Deposited on 12/10/07 for Amount Rs. 140000/-. This amount was also sent to Suspense account and that too without giving any information to me. Reason was very small my name was spelled as "Parveen Kumar Bhardwaj" in place of Praveen Kumar Bhardwaj.
Questions that are yet to be answered by ICICI Bank against various mails that I had written to them are as mentioned below;
1. Why this information that my cheque is sent to suspense account is not passed on to me by ICICI bank? ICICI bank and their call center spend a huge amount of money calling us night and day asking us if we want loan, or insurance or similar kind of services and when it comes to our money going to ICICI bank's suspense account no-one even cared to call me once. Why?
2. Surprisingly this information is not even there on my online personal banking page (internet banking) since bank do not want to tell customers that bank is keeping their money without their knowledge. Bank purposefully want to hide this information so that customer forget to claim there money??
3. Since I may not be the only person whose money has goes in bank's suspense account. There might be thousands of people. No-one can guess how much public money bank is keeping in their suspense account.
4. Why ICICI bank do not want to give this money back to owners even after knowing the full detail of the owners.
5. Why bank has made procedure of claiming this money so complicated and cumbersome. Why one has to go to ICICI branch to claim the money?? Why cann't one claim it filling a form online or through Phone Banking?? When everything could be done online, why this small thing can't be settled online. Anyone can doubt banks intensions on this issue.
6. I am requesting bank to update this information in my statement and internet banking but inspite of so many days ICICI bank has not done this. Becaues do not want to do this as they might be getting lot of money credited in their account under this pretext.
7. I even do not know what bank's policy is if customers forget to claim their money which you might have kept in suspense account. Since people are busy these days and many a times forget to see whether the cheque that they have deposited is credited in their account or not?
8. I have lodged complaints to all levels that is Level IV but now bank is not even replying my mails.
Is there any agency in India who can help me? Or we have no other option but live at the mercy of ICICI bank? I have all the mails kept safely with me that I have received from the bank for my records.
With Kind Regards,
Phone No. +[protected]
Customer Service has done everything in their power to resolve the complaint. All attempts to contact the customer have failed. Therefore, the complaint has been annulled and must not be considered where image of the company in question and its services are concerned.
I took loan amounting to Rs. 2, 00, 000/- from ICICI for purchasing a plot in Ghaziabad. I paid the outstanding amount on 06.02.2008vide ICICI receipt no. [protected]. My loan Account No. was LBNOD00000656066. NOC only has been given to me. Despite many request Original documents is still in the custody of ICICI Bank. On making request, the Customer Care Executive assured me that all documents would be provided on 09.05.2008. When I reached the ICICI Sector-50, Noida Home loan office, they told me that the papers still in Mumbai. I request the ICICI Higher Executive to handover all my original papers related to my house (5/1590, Vasundhara, Gzb.)i.e. Original sale deed/allotment letter and other papers without any delay. My Mobile No. is [protected]. Thanks.
To date 09 may 08
Icici cr cards
sub: - non receipt of monthly statements
I am (s lekha) holding icici cr card no [protected], since aug 07 I have not received any statements pertaining to my cr card account. whenever I received a call from your cc, I used to inform about my non receipt of statements, even after several requests there is no proper response from concerned department. I request your high office to kindly arrange the above said non receipt statements and forward the same to my mail id [protected]@rediffmail.com, as I was unable to keep track on my cr card account due to non receipt statements on many occasions, I failed to make my payments in time therefore I request the concern office to look in to the above subject and initiate immediate action failing which I should not be responsible for late payment deposits, it is not possible every month calling /verifying with cc about my dues, even I made my payments regularly according to my mobile alerts. kindly send all my future statements to my mail id to make my payments before the due date.
Thanking you s lekha
i am really very fed up with collection persons call from icicibank videocon tower branch.bank gave a car loan to a person Mr dilip marwah for santro car and the bank have my mobile number in their records. i am receiving these call by last one year. severel times i request to the callers to change this mobile number from thier records, i am using this number from 2002 and this is not a dilip marwah's number but they can't hear and there is no action taken by bank till today.
I went to the R.N Mukherjee Road branch on 7/5/2008 to surrender a share certificate for dmat. But due to system down the guy at the counter (Counter No 9) refuse to take the papers. He misbehaved with me saying that wait until the system recovers. I requested him to recieve the docs and give me a reciept and the contact number or email id of that person that i could make an enquiry later whether the shares are dematerialised or not or any entry made. He not only refused to give me a reciept, telephone number, email id but also threw my docs over the desk and ask me to wait until the system recovers. Then i asked his name and he shouted on me. He said " My name is Sourav-Dmat desk-Counter No 9- R.N Mukherjee road branch. Do u want any other information?".
Please tell me how to submit those documents and how to lodge a complaint against that Mr Sourav.
After subscribing ICICI credit Card i have received call from them saying that they will deduct my Reliance Phone bill directly through my credit card but before that i will receive Confirmation call from their side. I havent recive any Confirmation call from their side and after 2 months i have recived SMS that amount of RS.4200/- deducted from my credit card on account of bill Payment. Immidetly i call them and ask to reverse the payment and they have confirm that they have deleted the same from my account and they will reverse the payment next day again i have receive SMS that your request of Address change have been processed and now after 15 days i received bill of 4200/- from ICICI bank.