Below is the complaint mail I have sent to bank fo addressing the unjustified amount of qtb charges for non-active account.
-------------------------------------------------------------------------
Dear Sir,

With regret and VERY MUCH disappointed I am write a letter to you in the hope may be you will do needful.

First, I am regular customer of your esteemed bank and I normally doing all day to day transactions through your bank such as RD account, Credit card, loan etc. I, you can check too, never failed to pay the any justify amount of your bank. Further, I plan to take the ICICI Prudential plan for me and my ward and also I was supposed to open the RD account. But, really now I am too much upset and frustrated your bank that I and my family have decided to not use your any product entire my life. This is incidence which is as eye-opener for me, hence I kind request to close my credit card. I have paid full amount today. One more EMI will come next month that too I will pay. This is the summary of my credit card today.

Previous Balance
Rs. 28,256.97
Total Credit Limit
Rs. 46,000.00

Purchase and other Charges
Rs. 7,086.67
Available Credit Limit
Rs. 39,333.33

Cash Advances
Rs. 0.00
Total Cash Limit
Rs. 0.00

Payments and other credits
Rs. 35,343.64
Available Cash limit
Rs. 0.00

Total Amount Due
Rs. 0.00


This also I am going to call the customer to close this card.

As, being loyal customer of your bank, I have requested to bank that I have two account of ICICI one in Chennai and another one in New Delhi, the Delhi account is not using by me and further it was not opened by me, I have several time requested to the bank please close this account but they are wai ting to put the some charges, hence they have not listening my request. This is the summary of the account yesterday for which I am talking.

Account ID
:
004601023944

Status as on
:
31/08/2009

Available Balance
:
INR -1,815.00




First they have fined me Rs. 850.00 and I already paid the amount, further again they greediness is not stopped, hence they again charges of Rs. 1800.00(approx), this also I paid too. Now, I am going to bank to close that account. And, further I am thinking about another options to handle this.

This is the summary of account today.

1
02/09/2009
INF/000008185304/Chor bank ke naam/0
CR
INR 13,000.00

2
29/05/2009
004601023944:Int.Coll:30-04-2009 to 29-0
DR
INR 29.00

3
28/05/2009
DCARDFEE46059860APR09-MAR10+ST
DR
INR 109.00

4
29/04/2009
004601023944:Int.Coll:31-03-2009 to 29-0
DR
INR 19.00

5
20/04/2009
QABChgs,Jan-Mar09+ST77
DR
INR 827.00

6
30/03/2009
004601023944:Int.Coll:28-02-2009 to 30-0
DR
INR 15.00

7
27/02/2009
004601023944:Int.Coll:30-01-2009 to 27-0
DR
INR 13.00

8
29/01/2009
004601023944:Int.Coll:30-12-2008 to 29-0
DR
INR 5.00

9
19/01/2009
QABChgs,Oct-Dec08+ST93
DR
INR 843.00

10
14/01/2009
INF/000006821038/Taken back for some pup
DR
INR 11,100.00

Kindly let me know, whether I have a money tree in my home from where I can pluck the money and give to your bank. I am in Bangalore and it is really difficult to maintain the Delhi account. This simple logic bank has not able to understand. Hence, being frustrated and disappointed customer I can only say if still there is some goodness in your bank kindly reverse the amount. Hence, my relationship with bank not going to end.

THIS CHEENAI ACCOUNT I AM NOT ABLE TO CLOSE AS THIS IS THE CURRENT SALARY ACCOUNT. IF I CAN DEFINATELY I WILL.

Best,

NAVAL KUKRET


----- Original Message -----
From: ICICI Bank Customer Care
To: hkukreti@indiatimes.com
Sent: Tue, 1 Sep 2009 20:05:14 +0530 (IST)
Subject: RE:'ICICICARE=035-459-417' Serious concerns!!! (Please Help)


Dear Sir,

We refer to your e mail dated August 31,2009 to regarding Non Maintainance of Average Quaterly Balance .
Please note that the service gesture is provided once in the life time of the account. As a gesture of service, we have already reverse the charges twice on April 17, 2008 and December 16, 2008. We have already informed you to maintain the QAB of Rs.10,000 in order to avoid charges in future.
We regret to inform you that we are unable to reverse the charges. Hence we request you to maintain the required balance to avoid further charges.
We regret to inform you that we are unable to close the account through
this channel. We request you to submit the application in the nearest branch for closure of the account along with your debit card and unused cheque leaves.

Any outstanding amount has to be cleared from your account before closing it. .

Sincerely,

Dinesh Mishra
Customer Service Executive

-----Original Message-----
Subject: Serious concerns!!! (Please Help)


Dear Sir,

Greeting for the day!!!


Myself Naval Kishor Kukreti having two account of ICICI, the first no. xxx615, Shanthome Branch and another one is in New Delhi. The first is my current salary saving account and I am dealing all the transactions through that account. And for this Chennai account, I have no issue.

The later is New Friends Clooney Account given below which was opened by earlier employer in the year 2001 and I have resigned the job in 2005 and since then I am normally not using this account, but I have seen the balance is in the negative.


Account ID : 004601023944


Status as on : 31/08/2009


Available Balance :INR -1,815.00


I have several times requested to close this account or put it on non-active, but my requested has been turn down. One time I had already paid Rs. 857.00 (approximate) as a QTB charges.

Now, with regret and disappointing, I want to say kindly reverse the amount so called QTB charges. As, this is really painful to see the one regular customer who always paid the regularly EMI’s of loan, credit card payment and keep the amount in you RD account, has been fined for the causes for which he had already requested several time you to close the account.

Being regular and faithful customer of your esteemed bank, now I am again requesting kindly do needful.





Best,





Naval Kukreti


9742331474

Originally Posted by naval1974

Below is the complaint mail I have sent to bank fo addressing the unjustified amount of qtb charges for non-active account.
-------------------------------------------------------------------------
Dear Sir,

With regret and VERY MUCH disappointed I am write a letter to you in the hope may be you will do needful.

First, I am regular customer of your esteemed bank and I normally doing all day to day transactions through your bank such as RD account, Credit card, loan etc. I, you can check too, never failed to pay the any justify amount of your bank. Further, I plan to take the ICICI Prudential plan for me and my ward and also I was supposed to open the RD account. But, really now I am too much upset and frustrated your bank that I and my family have decided to not use your any product entire my life. This is incidence which is as eye-opener for me, hence I kind request to close my credit card. I have paid full amount today. One more EMI will come next month that too I will pay. This is the summary of my credit card today.

Previous Balance
Rs. 28,256.97
Total Credit Limit
Rs. 46,000.00

Purchase and other Charges
Rs. 7,086.67
Available Credit Limit
Rs. 39,333.33

Cash Advances
Rs. 0.00
Total Cash Limit
Rs. 0.00

Payments and other credits
Rs. 35,343.64
Available Cash limit
Rs. 0.00

Total Amount Due
Rs. 0.00


This also I am going to call the customer to close this card.

As, being loyal customer of your bank, I have requested to bank that I have two account of ICICI one in Chennai and another one in New Delhi, the Delhi account is not using by me and further it was not opened by me, I have several time requested to the bank please close this account but they are wai ting to put the some charges, hence they have not listening my request. This is the summary of the account yesterday for which I am talking.

Account ID
:
004601023944

Status as on
:
31/08/2009

Available Balance
:
INR -1,815.00




First they have fined me Rs. 850.00 and I already paid the amount, further again they greediness is not stopped, hence they again charges of Rs. 1800.00(approx), this also I paid too. Now, I am going to bank to close that account. And, further I am thinking about another options to handle this.

This is the summary of account today.

1
02/09/2009
INF/000008185304/Chor bank ke naam/0
CR
INR 13,000.00

2
29/05/2009
004601023944:Int.Coll:30-04-2009 to 29-0
DR
INR 29.00

3
28/05/2009
DCARDFEE46059860APR09-MAR10+ST
DR
INR 109.00

4
29/04/2009
004601023944:Int.Coll:31-03-2009 to 29-0
DR
INR 19.00

5
20/04/2009
QABChgs,Jan-Mar09+ST77
DR
INR 827.00

6
30/03/2009
004601023944:Int.Coll:28-02-2009 to 30-0
DR
INR 15.00

7
27/02/2009
004601023944:Int.Coll:30-01-2009 to 27-0
DR
INR 13.00

8
29/01/2009
004601023944:Int.Coll:30-12-2008 to 29-0
DR
INR 5.00

9
19/01/2009
QABChgs,Oct-Dec08+ST93
DR
INR 843.00

10
14/01/2009
INF/000006821038/Taken back for some pup
DR
INR 11,100.00

Kindly let me know, whether I have a money tree in my home from where I can pluck the money and give to your bank. I am in Bangalore and it is really difficult to maintain the Delhi account. This simple logic bank has not able to understand. Hence, being frustrated and disappointed customer I can only say if still there is some goodness in your bank kindly reverse the amount. Hence, my relationship with bank not going to end.

THIS CHEENAI ACCOUNT I AM NOT ABLE TO CLOSE AS THIS IS THE CURRENT SALARY ACCOUNT. IF I CAN DEFINATELY I WILL.

Best,

NAVAL KUKRET


----- Original Message -----
From: ICICI Bank Customer Care
To: hkukreti@indiatimes.com
Sent: Tue, 1 Sep 2009 20:05:14 +0530 (IST)
Subject: RE:'ICICICARE=035-459-417' Serious concerns!!! (Please Help)


Dear Sir,

We refer to your e mail dated August 31,2009 to regarding Non Maintainance of Average Quaterly Balance .
Please note that the service gesture is provided once in the life time of the account. As a gesture of service, we have already reverse the charges twice on April 17, 2008 and December 16, 2008. We have already informed you to maintain the QAB of Rs.10,000 in order to avoid charges in future.
We regret to inform you that we are unable to reverse the charges. Hence we request you to maintain the required balance to avoid further charges.
We regret to inform you that we are unable to close the account through
this channel. We request you to submit the application in the nearest branch for closure of the account along with your debit card and unused cheque leaves.

Any outstanding amount has to be cleared from your account before closing it. .

Sincerely,

Dinesh Mishra
Customer Service Executive

-----Original Message-----
Subject: Serious concerns!!! (Please Help)


Dear Sir,

Greeting for the day!!!


Myself Naval Kishor Kukreti having two account of ICICI, the first no. xxx615, Shanthome Branch and another one is in New Delhi. The first is my current salary saving account and I am dealing all the transactions through that account. And for this Chennai account, I have no issue.

The later is New Friends Clooney Account given below which was opened by earlier employer in the year 2001 and I have resigned the job in 2005 and since then I am normally not using this account, but I have seen the balance is in the negative.


Account ID : 004601023944


Status as on : 31/08/2009


Available Balance :INR -1,815.00


I have several times requested to close this account or put it on non-active, but my requested has been turn down. One time I had already paid Rs. 857.00 (approximate) as a QTB charges.

Now, with regret and disappointing, I want to say kindly reverse the amount so called QTB charges. As, this is really painful to see the one regular customer who always paid the regularly EMI’s of loan, credit card payment and keep the amount in you RD account, has been fined for the causes for which he had already requested several time you to close the account.

Being regular and faithful customer of your esteemed bank, now I am again requesting kindly do needful.





Best,





Naval Kukreti


9742331474

Hi, we are from ICICI and sorry to hear about your experience. We will call you and work to address your issues at the earliest.

Respected Sir/Madam,

My name is Sandhya Chinchpure.I have an Debit Account in ICICI bank,
Acc no - 170148013201
which was opened by my First Company Greaves Cotton Ltd.

As my job was for one year training after that they extended
my period for 3 months.But after that i got another job
where that company also used ICICI Bank for monthly payment , but unfortune
I did left that job .

Now i am working in finolex where HDFC Banl is the payment
source bank. As my ICICI bank account had no transaction for near about 2 years.
But I was using ICICI bank Account for Online payment of
Electticity.

This was the only transaction which i was doing but recently
i have received letter from ICICI bank that you have to put Rs.10000
in your account or you have to pay Fine of Rs.750

Is this my fault that my current company is not using ICICI bank.
For what i have to pay fine ??
I request you to please guide me for this.
As i was thinking of to close the account.Is this solution for my case.

Please do reply me as soon as possible.

Thank You.
Sandhya.

Hi,

I am a business journalist by profession and have a ICICI Bank account and ICICI Securities trading account.
I am now a financial advisor and have a wealth management firm.

I have serious issues with the ICICI group. First of all I had lodged a complaint that I lost my card in 2008. Few days later an inflated bill was sent in my name. When I called up the customer care they said that they will settle the amount for 11,000 or something. An executive was sent I handed him the cheque on promise that the settlement letter will be sent by evening. After 5 days passed and no reply came (the collection guy stopped taking my calls) I had to forcibly stop the payment of my cheque. Few days later I started getting abusive calls from their call centre.
After few months I got shifted to Delhi. I again approached ICICI Bank for settlement of the amount in Oct 2009. I was told that amount will be "settled" in Rs 35,000....! to which I refused.

I recently applied for an IPO and the shares were not allotted to me. The amount went into the savings account which was inoperative from last 2 years. Suddenly the ICICI bank deducted 12,800 of the refund amount and adjusted this against my credit card outstanding. I wasnt informed, no email sent; no communication at all. I called up customer care and the lady was rude to the core.

Now I have decided to teach them a lesson or two. I am filing a case in consumer court, a criminal case of mental harrassment and use of abusive language. I am also through my network of agents throughout India launching a campaign against ICICI Banks/Securities advising them not to have any relations with them. Already I am closing ICICI Sec Demat accounts of my clients.

Also I am in process of having a small conference of personal finance experts and expose the functioning of ICICI group companies. Also I am starting a blog against the poor services of ICICI Bank.

These private banks have a misguided feeling that they can do anything to the customers. I am in touch with all stakeholders to file a consolidated PIL against ICICI Bank. It seeems that RBI is too busy with monetary policy and ICICI Bank is too arrogant to listen to its cutomers. Now a court order will only restore right senses.
Having worked in business channels and knowing how these banks work, I know that only after few jobs gone, loss of prestige and heavy expenses on media management will the bank understand.

My credit card number is -ICICI Gold/VISA: 4477 4744 5646 4000
I can be contacted on +91 9953718384

Thanks and regards,
RK