India - 400051
Be careful when you go for icici travel card, on the following things:
1. Anything happens to the card or
2. You are overcharged
3. You return item you bought oversees and money is not credited back to your card
Bank will not take any responsibility to resolve the issue. Bank will ask you to settle with merchant.
By then you will be in India and no way you can communicate with merchant
My wife for the past two months she did not pay minimum balance as she was requesting to waive interest part...
I deposited my salary cheque in my ICICI Bank savings account on 8th December 2006 at Nagpur Branch. My account was freezed and restricted me from accessing my account then.my credit card account no.[protected].
After repeated followups at their Icici call center I came to know that my account is been seized ,for the want of credit card payment. I had already setteled my credit card account on dt 28 september 2006 and have got acknowledgment receipt duely signed and with icici seal on it from them.
Few facts in this connection:
1. Mr. Shukla of write off section of ICICI,NAGPUR had come to my place for settlement of credit card payment prior to that i have contacted their office and the call center number of times to inform them that the charges are exorbitant ,irrational and illogical.
2. I have cleared my credit card account in full in april 2005, then after i made a purchase of Rs.15000 (fifteen thousand) against which i paid around Rs. 55000 (fifty five thousand).
3.they charged overlimit charges 650 plus late payment 350and other charges where overall penalty charges came to 1500 per month.
I was leaving Nagpur for job purpose so i was interested in settling the account and make the reasonable payment which i have made.
I was working in bangalore then, now I am working in cheenai. My job is a transferable one and my family resides at Nagpur. I am the only earning member of my family and suffering from cardiac problem since 1999.
I get phone calls every single day from call centers asking me for a home loan. This is total harassment!!! Please STOP Forwarding my number to call centers. I want to take strict legal action against all these unsolicited phone callers who keep calling every day for home loans or credit cards.
The call i got today was from this number. [protected]
Is there an authority that takes strict action against them? I heard from a friend that Supreme court has passed the order to block such numbers and make them pay compensation for such harassment.
Sincerely, Pallavi Pinge
On 2nd April, 2007 I applied for a 10K tax saver health plan (Policy No: W-013316) for my Parents using the online facility at www.icicilombard.com. I stay in Bangalore and my parents are near to Warangal-Andhra Pradesh. As my father's age is above 45 he has to undergo a medical test to get enrolled in the policy. The website states that within two day's from the receipt of the premium my parents will get a call for the medical test, though it is 27th April today (25 days since i applied for the policy and paid the premium) my parents have not received any call for the medical test.
I have sent numerous mails and have also called them 6 times, they seem to have no clue about the medical test. They were not even able to confirm when they will be calling my parents.
I feel that I have taken a wrong decision in applying for a policy from ICICI Lombard.
I am registering this complaint out here for ICICI lombard. I met with an accident on 15 feb round about at 01:15 hr. I called these guys and my claim ID is 289750. My car was in swastik motors, Indirapuram, owner - Mahesh Gaur. The total damage bill was for about 35000 which mahesh gaur provided to ICICI lombard. After following up with these guys they have given me a cheque of 25,300 which doesn't make sense to me. I agree that there is 50% deduction on plastic & glass material and 5% depreciation on metallic parts even after calculating it they have provided me approx 6000 less. Beware ICICI Lombard, they are cheating customers.
I am a salary a/c holder and home loan customer of ICICI Bank for last three year Loan A/c no. LBMUM00000905023 . Now for investment, I have selected another flat at Badlapur -- Dist Thane.
For which I had submitted all the documents required for pre-approval of the property i.e what you call as APF or APH 2 months back. I have got sanction letter from your bank for my new home loan application, but waiting for disbursement as the APH number is not alloted to the property. I have submitted the papers through Unique Finance -- Dombivli Ph. no. [protected], Even after daily follow-up with this office and Mr. Boban Jype of your ICICI office at Kalyan, they say that all paper work are OK of the property every thing is done and I will get the APH number in 2 -3 days. every time i get this reply, but sorry to say that it is taking too much time for allotting the number. No one gives the correct picture when the APH number will be alloted. Due to this delay, I have been pressured by the builder to cancel my agreement.
I have an RRSP GIC account with ICICI bank. This year I wanted to add $2,000 to it upon maturity. I sent in my cheque with instructions.
It has been two months and the cheque still is not processed. No one can tell me if they have it or not.
I kept calling and getting put on hold with no explanation ever resulting.
I ended up having to borrow another $2,000 from my credit card to make my RRSP contribution in time for the March 31st deadline. While of course still leaving the $2,000 in my bank account if and when ICICI bank ever decides to complete the transaction.
I have been waiting two months now with this $2,000 in my bank account not getting any interest on it. Still waiting. No response to my email. And the 5 or 6 phone conversations resulted in no progress.
It seems their is no notes left from the last time I talked to someone because I have to keep saying the same thing over and over.
I really give up. I think I will put a stop payment on the cheque and get my GIC out of their when it comes due next year.
For goodness sake I am trying to make a deposit and their administration is so poor they can't even figure out how to take my money.
Ok, I better stop now... my eye is beginning to twitch.
I had foreclosed my ICICI Home loan LBTRI00001165829 and LBTRI00000650151 and I had given an application to cancel the ICICI Lombard Loan Care Insurance Policy, attached to the same, on 25th August 2006. The premium charged on this policy was Rs. 30105. I have received a payment of only Rs.1887.00, for the cancellation of the policy and I believe that, this amount is calculated based on only the top-up Loan - LBTRI0000116582. I request you make the necessary arrangements for cancellation of the Policy attached to the Base Loan - LBTRI00000650151. I have already given the proof of the foreclosure of both these loan.
I believe that arrangements will be made at the earliest. This issue is pending for the past 8 months.
I have been calling the concerned person in the ICIC Lombard office at Trichy, and I have not got any solution for the issue till now. Very poor service!
COMPLAINT: Unnecessary Policy cancellation Charges charged to me by ICICI Lombard.
CAUSE : My name and address was wrongly spelt on the policy certificate. I returned the policy immediately. I requested to correct the same. I sent 19 mails to ICICI lombard and ABN AMBRO. They did not bother. Ultimately I cancelled the policy. This they accepted and charged me heavy cancellation charges.
BRIEF HISTORY AND FACTS:
1. In the month of Mar06 I applied for ABN AMBRO credit card.
2. They accepted and offered me credit card. They also offered me a health insurance policy from ICICI Lombard, on monthly payment basis. I accepted
3. 20 Apr 06 I received the credit card and insurance policy. But my name and address on card as well as policy was wrongly spelt.
4. 24APR 06 I returned the policy to ICICI Lombard, Mahalaxmi office, through courier. I have the POD. I requested for necessary correction. Similarly I requested ABN AMBRO for correction.
5. 29.04.06 ABN asked me additional documents. This letter I received on 24.05.06 and I submitted the documents immediately.
6. ICICI Lombard asked me to reconfirm the changes (MODIFICATION TO ENDORSEMENT) on 15.5.06, I have replied on 24.5.06.
7. I received corrected card on 22.06.06 acknowledged on 6.07.06.
8. 3.07.06 I received mail from ICICI Lombard that the new policy is under printing and you will receive soon.
9. I received the document again on 7.07.06 with wrong name and address.
10. During this period I had sent more than 19 mails to ICICI and ABN, I have spoken many times to their customer care cell/ 24 hrs banking service etc.
11. So ultimately I thoroughly convinced that ICICI Lombard can not correct my name and hence I can not get policy with correct name and address.
12. On 13 .07.06 I requested to cancel the proposal.
13. This they accepted immediately and charged me heavy cancellation Charges, stating some rules.
14. In the month of September I have paid full amount to ABN AMBRO approx. Rs. 10,800/- for NO REASON
THEY FAILED TO WRITE MY NAME CORRECTLY. THEY FAILED TO CORRECT IT. I HAVE NO POLICY. BUT I HAD TO PAY OVER RS. 10,800/-. I HAVE BEEN PENALIZED FOR NO REASON.
FAULTS: AT ICICI:
1. They have received the policy back within 15 days hence they have no right to charge me any cancellation charges.
1. They should not charge any late payment charges when the card was under correction.
2. They should have ensured that their associate company is providing the proper service to customer.
1. REIMBURSEMENT OF RS.10,800/- CHARGED BY ABN AMRO
WITH RESPECT TO THIS ISSUE.
2. COMPENSATION FOR MENTAL TORTURER FOR 5 MONTHS
3. INTEREST at 10% TILL THE PAYMENT IS MADE
I have been dealing with ICICI bank for the last 8-9 months with my salary account in HCL Technologie...
The way this bank treats customers is very bad. I used ICICI to send money to India. Here is my experience...
My settlement was done in july 2005, verbally by the credit card division executives. Immediately i paid 20%...
I have heard from many but when I personally get experienced I am really shocked..!! yes, I am talking about ICICI credit cards. There are lots of hidden charges, interest rates, and other fess, which they dont tell us before getting the card. I was forced to take the card from the ICICI credit card executive. When I used that card I got a call from the customer service from Mubai stating that my purchase will be converted to EMI and interest rate is very low as 0.8%, that was a Dewali offer. I agreed for that adn my monthly EMI was Rs. 1650/- but later after two months it went to 2000, then later 4000, when I asked there was no proper response from them and I said I wont pay any more EMI better preclose my payment. I ready to pay the remaining amount, but the manager was so cruel that he imposed all the fines and tax that my actually balance was only 8,000 odd but he asked me to pay 14,000/- I said I cant pay that amount and I didnt pay any more EMI. That amount multiplied after 7 months and now the outstanding shows Rs. 35,000/-. Can you imagine?? My actual credit limit was Rs. 21,000/-. The people who are willing to pay promptly they feel its waste to continue with ICICI. The service is very poor. I had Rs. 8700/- in my account and I had applied for personal loan in CITI finance and the amount was sanctioned and was credited in my account. The amount was Rs. 17,650/-, which I kept for my parents medical allowance. Before I could take teh amount, my balance was zero '0' Rs.17650 + Rs.8700/- was auto debited from my account. Do they have hearts?? Why do people like us from middle class apply for loans. ICICI bank didnt have a courtesy to inform or ask before autodebiting. They took as if its their own money. This has to be taken as an serious issue.
They also send me an ICICI lombard insurance which I didnt apply for and asked to cancel, they to agreed but no steps taken instead my amount was debited each and every time.
I don't no why this is happening. Without my consent how they have deducted and charged from my credit card.
I wrote several letters and emails to them, but i think, if this is the way to run ICICI bank credit card division than this is one of worse experience i have. I also emailed to ICICI customer care regarding the same and urge them to stop the credit card from immediate effect.
Its not great to grow big but WHAT MATTERS IS to show consumers that they really mean to service in spite of growing big. I only hope ICICI wakes up sometime to deliver service PROMISED to people for them to really rely on their motto " hum hein na.."
WILL I GET MY MONEY BACK??? OR IT SHOULD BE CONSIDERED AS THEFT???
Beware of ICICI Auto Debit!
ICICI Lombard executives from Chennai are disturbing me in all ways, recently I received 5 to 6 calls from...
We at ISE Cards India Limited is opened a current account at ICICI Bank Limited, Hazratganj Branch, Lucknow India since many years. We have opened account with the request of a branch manager mr. shahnawaz, he was told that time that after three month ICICI Gomti Nagar branch will open than automatically your account will be transfered, many years has been gone, several personal request and many representatives came and taken our request and requested us to send us a fax, which we sent on dated. 1st march-2005, requested again to transfer it or closed down our account, but they are sending statement of account regularly and with add on charges, ICICI bank is cheating us and moral harassment.
I have a salary account with ICICI Bank. I would like to inform that my salary or funds transfer on the 7th or 8th day of every month and requisition of the same is sent by our company on 5th or 6th day of the month.
Also, there are some ECS transactions which held through my salary account on the 7th, 8th or 9th day of the month.
In Feb 2007, our company sent salary transfer request to bank on 6th Feb, 2007 as it normally does. But due to some technical problems in banks system the funds could not be transferred by the morning of Feb 08, 2007. I had been checking my funds transfer status during whole night of Feb 07 in the office.
On Feb 11, when I checked my account statement on net I found there were to penalties of Rs. 224/- due to ECS return as the funds were not transferred by the morning of Feb 08.
I mean to say the bank had funds transfer request with it but they did not transfer it due to system error or whatever, they had ECS transaction request also, but they preferred ESC transaction first.
Due to insufficient funds they levied ESC return charges to my account that too without my information (please note this is a salary account with a so called largest pvt bank in India).
If the funds transfer request was pending with them and they were not able to transfer funds due to their system error they can not levy charges on ECS return. Because it's their fault.
I hope my complaint will be listened by authorities.
I had purchased ICICI Lombard Car Insurance thru their Andheri; Mumbai (India) office in December'06 and had paid Rs.16250.00 as annual premium. On buying this policy from ICICI Lombard, I was assured of a complimentary Free Redemption Coupons of 3M of worth Rs.12000.00 and was told by ICICI Lombard's sales executive - Ms. Swati, that on availing the services, i don't have to pay any charges at all.
I was around to see that when I received the coupons (which they didn't deliver until 3 reminders were given); they were at 50% redemption only and NOT 100% redemption! When i took up this matter with Ms. Swati and her senior female officers; they flatly refused that such false commitment was given by Ms. Swati!
since there is no written assurance from her, now she & her colleagues are taking undue advantage and are jeopardizing my benefit of 100% redeeming the 3M coupons!
Two days back, when i told them that i wish to cancel the policy now due to this episode; I was told by Ms. Simaran that she will refund entire amount and today i.e. after 2 days, her senior Ms. Supriya is singing a different song by saying that if the policy is canceled; ICICI Lombard will deduct a sum of Rs.3000.00 as penalty!!!
This is an absolute breach of trust.
ICICI bank without my knowledge and for no reason debited Rs 19000/- and no one is responding to my complaint.
Worst Bank to bank with... Experienced by most of the customers!
Besides the malpractices... the bank will force you maintain a 'said minimum balance' - quoting which they would deduct huge sums every quarter... to explain ( FACTUAL DATA - as it stand now - February 2007 ) - if you keep Rs 4999 in your account ( ie..., less than Rs 5000 , the said minimum balance ) and leave it for 1 year - they would deduct Rs 842 per three months - so by the end of 1 year your 4999 would have got reduced to about 1500 and by 18 months - your account would show negative balance ----- Its a fact which one experiences post opening the account with ICICI Bank...
So here is a bank where your money does not grow but rather diminishes over time. I am putting this on blog / sites for others to read and be cautious while dealing with this ICICI Bank... The ads shown on television are just an eye wash and they do not mean any such thing as "Hum Hain Na"... Wish they soon become "Hum Thae Na"
In nutshell -
1. ICICI bank is the worst bank to bank with
2. ICICI bank has pathetic customer service and
3. They have enough and more "tricky fine prints in their documentation " - which by design would never be told / explained to the customers - and which are used to fool customers and make easy money..
I have Opened my ICICI Bank Account / DMAT Account with ICICI Bank and ICICI Direct Account vide Form No. [protected] and Opened same time and given same instruction for all the accounts i.e., I have opted for that all statements etc will be sent to my domestic address and through email and yearly charges for the same is Rs. 450/-. But wrongly I have received one invoice for high amount for my DMAT Account No IN302902-[protected] and for the wrong Invoicing I have informed ICICI Bank immediately on receipt of Invoice but more than two months has passed and writing several emails to ICICI Bank but they did not responded nor credited my account with the wrong charges deducted. Beware of ICICI Bank Limited!