Sub. : Complaint of harassment against ICICI Bank
ICICI Credit Card No.*********** 5528 007
ICICI Bank A/c No. : 039901509599

I am law abiding citizen and doing job with Convergys.

As a member of public, I am thankful to the Reserve Bank of India for issuing guidelines to the financial institutions i.e. HDFC, ICICI, Citibank, Standard Chartered Bank etc. in the matter of recovery of amount from credit card holders, who were being manhandled, harassed and humiliated in the past by the recovery agents resulting in suicidal steps by the sufferers as per news items appeared in the newspapers from time to time. In fact the consumer courts have also imposed fines on such financial institutions in its several judgments for harassing and torturing the innocent credit card holders.

I have now become a victim in the hands of ICICI Bank. In 2007, I got a Credit Card from ICICI Bank. After few days ICICI offered me an Insurance Plan which I refused to take. I never agreed to take that and I never got any papers for the same, not even the Medi Care Card or Lombard Card. After a month I requested them to stop my credit card account and take the card back as I have not used it (NOT EVEN ONCE). ICICI customer care advised me that in case you don’t use the card for the first three months it gets de-active automatically and if you don’t want it cut the card in two pieces and drop it in the ICICI drop box. I did what the customer care advised me as that was my first & last credit card; I have never used any credit card. This incidence happened in the year of 2007.

I thought the case was closed and I was satisfied because I never wanted to use the card and never got any statement for the same. To my surprise, on 2nd of February 2009, my account got debited with an amount of Rs.15,000/-, I raised a complaint and the ICICI Customer Care explained to me that it was an error and they will credit the amount back within 8 days. I got the money back. But when I got my monthly Bank Statement for the period 7th Feb to 2nd March they have deducted Rs.17,958 on 28th of February 2009 for credit card no.3770 4151 5528 007. I contacted ICICI Bank to clarify the charges, (call reference No. SR99012436). They informed me that they won’t be able to do anything in this case, you have to contact the Credit Card Department as these charges are for ICICI Lombard Insurance for which I never agreed and I never got any statement or correspondence. I have never received any intimation regarding the payment. To my surprise they have directly debited the charges from my bank account without my permission. I have never asked for auto debit.

I would like to inform you that prior to this no communication in the form of letter, e-mail has been sent by ICICI for payment of Rs.17,958/- and I never agreed for this Credit card or Insurance.

I request you to kindly help me in getting my money back.

I am sure justice is possible with your kind intervention as victimization on the part of ICICI Bank is apparently there.

Thanking you,

Yours faithfully,


Rajdeep Saan

Exactly same story with me.
I really don't know what to do now..
consumer forum/legal thing/settlement..

Hello,

We have gone through your complaint, just provide us some details:

1) Your full contact details ( Address, E-Mail, Contact No.)
2) Complaint nos.

Thanks

ICICI Bank is no doubt the biggest private sector bank of the country but the work culture at the ground level is very poor. Today you visit any retail branch you will findeach and every branch has 2-3 resigned employee in that branch. I worked there, gave my 100% but got only disrespect. I was in santoshpur branch & our group left the company all together including BM because of our CBM.

Take loan from icici bank , mental torture guaraneed .they will give you loan very easily but then will make your lif miserable. Icici bank is bank with no values ,no ethics. Personal experience ask any loan customer of icici bank and then only take a decision weather to deal with this bank or not . Personal experience is best experience but, we can learn from others mistakes also. Think , validate and act.

Hi,

I have been harassed and threatended by CUB Senior Management and also from the local branch, Ameerpet Branch, Hyderabad as the manager and one of the other staff had barged into my house on Feb. 6, 2012 late in the evening in my absence, when my wife was alone at home and asked her to collect the papers for closing my accounts. Just 15 mins before barging into my residence, the manager had in fact called me and asked as to where I was and when I told him that I am still at work, he didn't even mention that he was going to visit my residence.

As the entire episode started on Feb. 1, 2012 on the day when I was unable to login into the internet banking service provided by CUB and even after following up with the senior management they are yet to send an official email even though the local branch had provided me with the user id 2 days later, after I had to go through a lot of ill-treatment and harassment. On Saturday Feb. 4, 2012 when I went to the local branch where I have my accounts, I had to waste more than 3 hours without any action plan from the bank side and even though I wanted to close my accounts, I was more or less (they say it was a request but I call it as a threat/harassment as it sounded that way), a threat by not allowing me to close any of my accounts. I have sent several emails so far to the senior management (including the MD of the bank) and yet to receive even a simple Courtesy email so far. Also, they have cheated us in various junctions including when we closed some of our FCNR accounts and have never provided us with any official letter stating at what rate they had sold the dollars in the market and when we checked in all the occasions, the rate they paid us was about Re. 0.80 less than the actual market selling price. This we feel is a case of both crime and fraudulent and so far none of the senior management have got back with us in this regard. Please let me know as to how I could proceed further on to file a CRIMINAL/HARASSMENT case against this bank personnel along with the names of the people who have indulged in these kinds of act with the HARASSMENT department, even though I am already in the verge of filing an FIR and a legal case against these personnel in a day or so.

1. Mr. Panchapakesan (panchapakesan@cityunionbank.com)
2. Mr. R.K.Viswanathan (r.k.viswanathan@cityunionbank.in)
3. Mr. Sekar (sekar@cityunionbank.com)
4. Mr. Ashok Rao, Chief Manager, Ameerpet Branch, Hyderabad
5. Mr. Vinod, Manager, Ameerpet Branch, Hyderabad
6. Mr. Reddy, Staff, Ameerpet Branch, Hyderabad


Regards,
Chandrashekar Sethuraman