ICICI bank Consumer Reviews - Page 3

CHENNAI, TENNESSEE -- ICICI Bank is interested only in making money from its customers, without providing actual service for the money earned. Customer service is non-existent. The only person who can make any decisions is probably their Chairman at Mumbai. Bank Managers are nothing but dumbos occupying the chair, chatting with friends and relatives. The few active staff are so overworked they have no time to sort customer's problems.

Your complaint letters are mostly used as tissue papers for cleaning their tables. They have standard replies for email queries, "we are looking into the matter" or occasionally you might be asked for info which will take weeks to collect and after submission they will have the same fate as your complaint letter. I can only summarize my experience with ICICI as follows: inconsiderate, inhuman, callous, couldn't care, income first - customer last, indifferent bank.

TIRUPPUR -- Here is another customer, Nature Neem Product, Tiruppur, who regret to have opened an account with ICICI. Our foreign buyer from Italy has transferred money to us and we are struggling for the past 15 days to get this account.
If we call by telephone, they say our card number is invalid and reset the PIN quit the call. After several tries contact to customer services is unsuccessful. Sending an email to corporatecare@icicibank.com, nri@icicibank.com, nodalofficer@icicibank.com - no email has been replied for the past 4 days (I have the proof).

Contacting the local bank - they confirm that money has reached (!!!) some 10 days before and they can't remit the money to our account for X reasons (as if it's their money). They asked the invoice, then asked a 100 rupees bond, then they asked a letter this was going like this for the past 15 days and our buyer has lost patience and now he cancelled the order.

ICICI should realize how small companies like us struggle to take an international order. Now we has lost the order because of the worst services of ICICI. Even today the money is not transferred and we have incurred a loss due to them. The next wise decision I have to take is to close the account with them. We are frustrated and we can provide the proof for the all that we have explained above. I advice all of you kindly not to open the account with ICICI.

ICICI bank system is poor ever I see on my life. I need to reset my password and I call ICICI bank customer service. Someone verify all security question and finally told me, "your ID will re-activated within 24 hours so try after 24 hours." Now here is story I found after calling ICICI bank 3 or 4 time to enable my ID.

I found very good answer from one of the customer service person. He told me, "when you call first time for problem, we send your password to your home address and nobody was on home so we destroyed the envelope." Is this makes sense? Since this happen to me, I decided to withdraw all my money from ICICI bank by debit card because I am NRI, and I was using this account to donate money to people in India.

Do you know that we have to explicitly request to close a short-term deposit account? If it is a joint account, you need to send the same request duly signed by both account holders. If you are sending this after so much of online life where you have never signed, better check your old passport signature or send a updated signature duly notarized. If you have NRE SB account if your deposit is NRO account, when it is closed, it cannot go to NRE account, so you need to open a new NRO account. It took nearly 4 months to learn all these. That is the sad part of this information.

I have an existing ICICI bank account with their JP Nagar branch in Bangalore. The bank has deducted an amount of Rs112 twice for a single statement availed by me. When the customer support was contacted, they gave a false reason saying that the statement was taken twice once on 12/08/08 and on 20/08/08, when in fact I had taken only one statement on 12/08/08. The bank did not revert the amount. Subsequently I decided to close the account.

After paying 281 rupees towards the same and handing over my ICICI cheque leaves and the ATM debit card, I observed that the account has not been closed even after a month. At the time of closure request (06/09/08), they acknowledged the closure (after payment of 281 rupees towards closure) with an acknowledgment receipt and assured me that the account would be closed in 2-3 weeks.

Since the account was not closed by the bank even after a month, I registered a complaint regarding the same. After lodging a complaint with customer support and through my net banking support, the customer support contacted me saying that 500 Rs more would be required towards the same.

When questioned why wasn't this intimated when I had earlier visited the branch in person on 06/09/08 for closure request, they reverted back saying that I would be required to coordinate with the Bangalore JP Nagar branch. I have been harassed too long by this ICICI branch at 75/A, 100 FEET ROAD, 6TH PHASE, JP NAGAR, BANGALORE, 560 078 KARNATAKA. My patience has been really tested by this fraudulent bank.

COPENHAGEN -- I would like to share with you one of the worst banking experience I have had. It is with ICICI Bank. I am an NRI working in Denmark and as per the ICICI Bank website, I transferred 10,000 Danish Kroners to an account in Danske Bank, Denmark. This account is supposedly operated by ICICI who collect the money and transfer them into the Indian accounts of the respective people. It is nearly 2 months and I am yet to get the money into my Indian account (**).

Because I too have a local bank account with Danske Bank, I did a normal account-to-account transfer. Now ICICI Bank asked me to ask my local bank to send a SWIFT message. When I approached the local bank, they said that SWIFT messages are only for wire-transfers and not for account-to-account transfers within the same bank. But ICICI refuses to acknowledge this simple fact. They acknowledge that they have received the money and know it is from me, but still won't transfer the money. They just keep on insisting on this SWIFT message which I repeatedly told them that the local bank won't give.

This message is to warn all people who remit money through ICICI Bank. They must realize that when they transfer money into an account operated by ICICI, they are at the mercy of the ICICI. Even if they want to get back the money, they cannot unless ICICI decides to give it back because they have willingly given the money through online transfer. I hope you will carry this incident on your website. I think the only hope I have is the Banking Ombudsman Scheme started on 1st January 2006 by the RBI. **