Hello,

Please go through the e-mail's below and suggest me if you can help in any means. The 1st e-mail is the latest one.

Rgds,
Pavan.
Mob: 9886659536

Dear Mr.Kumar,

We have initiated a request for dispute with the Service Request number SR57486142 . but we have not received dispute letter.So we have closed the dispute request.
We regret our inability to process your request for re- dispute on your account .

We inform you that the your credit card account has been permanently deactivated due to the non receipt of payment Rs. 7355.58 towards the credit card dues.
We request you to confirm whether you wish to settlement of your credit card account dues.

Sincerely,

Ravi Kumar
Account Manager
ICICI Bank Limited

-----Original Message-----
From: 508154459@infinity.icicibank.co.in (508154459@infinity.icicibank.co.in)
Date: Wednesday, December 23, 2009 01:37 PM
To: infinity_am@icicibank.com (infinity_am@icicibank.com)
Subject: RE: Credit Card

Hello Abdul,

Thank you for the response, but i've to let you know that i've sent the documents 3 times, Ist and 2nd time i received a call to inform that you didn't receive any letter, 3rd time i didn't get any response. I was under an impression that you have received it, I had also paid the amount even after that. But icici took its own time ( more than a year ) to get back to me and tell me that they didn't get the letter. Please try to resolve this issue as it is very old and has already started to affect me in other ways. Also consider the fact that i'm facing issues with out any mistake from my end.
Looking forward for a valid and positive solution.

Rgds,
Pavan

-----Reply Separator-------

Dear Mr. Kumar,

We inform you that your request SR57486142 regarding the dispute was not processed, as the dispute letter was not not received at our end.

Note: The dispute process can be initiated only after the receipt of the dispute letter at our end.
Further we have forwarded to your query regarding the ' LEIN ' to the collection department.
The collection department will be assisting you shortly.
Looking forward to your co-operation in helping us to serve you better.

Sincerely,

Abdul Khaliq
Account Manager
ICICI Bank Limited

-----Original Message-----
From: 508154459@infinity.icicibank.co.in (508154459@infinity.icicibank.co.in)
Date: Wednesday, December 16, 2009 12:25 PM
To: infinity_am@icicibank.com (infinity_am@icicibank.com)
Subject: Credit Card

Branch Id : 0297 Account Id : 029701508050
Hello,

Please go through the below e-mail and let me know if you have any update. Also if you could let me know, how can ICICI send a letter and put lien/charge over my saving bank A/C with out resolving the issues reported by me.
Please call me for clarifications @ 9886659536

Rgds,
Pavan

Hello Vinayak Prasad,,

I've already sent these e-mails several times, for example check the below.
Please some one from ICICI should take responsibility of responding to those e-mails.

Expecting a response at least this time.

Rgds,
Pavan.


RE: We Miss You‏
From: pavan dm (pavan_dm@hotmail.com)
Sent: 23 December 2008 14:02PM
To: epromotions@icicibank.com; customer.care@icicibank.com
Hello Krishnan Govindan,

Even after providing all details i've not heard any thing from your end. Please update me ASAP.

Rgds,
Pavan.

From: pavan_dm@hotmail.com
To: epromotions@icicibank.com; customer.care@icicibank.com
Subject: RE: We Miss You
Date: Thu, 23 Oct 2008 11:03:36 +0000

Hello Krishnan Govindan,

The reason for me not using the card is related to the Ref number. SR:57486142. Which was initially logged by me before 7 months. Nothing has been done by ICICI. I did not wanted to stop using it, but may be ICICI is not addressing the issues effectively. Please try to address the issue and allow me to start using the card again.

Expecting the positive response,

Rgds,
Pavan.

Date: Tue, 23 Sep 2008 22:33:38 +0530
From: epromotions@icicibank.com
Subject: We Miss You
To: PAVAN_DM@HOTMAIL.COM

ICICI Bank Credit Cards
We miss you!
Dear Mr.D M PAVAN KUMAR , feedback
We hope you have had many memorable moments using your ICICI Bank Credit Card.
However, we have observed that you have not used your ICICI Bank Credit Card xxxx xxxx xxxx 7003 for the last one month. We miss you and would love to see you using our card. Regular use of your ICICI Bank Credit card will not only ensure that you get the maximum benefits but also earn reward points that can be redeemed for attractive gifts.
We would like to know about your overall experience of ICICI Bank Credit Card usage. Please send us your feedback to customer.care@icicibank.com, with the subject line, "Feedback mail".
Here's wishing you many more happy moments with ICICI Bank Credit Card.
Sincerely,
Anup Saha
Krishnan Govindan
Head Marketing- Consumer Credit Cards.

Date: Fri, 20 Mar 2009 17:12:47 +0530
From: epromotions@icicibank.com
Subject: We Miss You
To: PAVAN_DM@HOTMAIL.COM

ICICI Bank Credit Cards
We miss you!
Dear D M PAVAN KUMAR, feedback
We hope you have had many memorable moments using your ICICI Bank Credit Card.
However, we have observed that you are not using your ICICI Bank Credit Card XXXX XXXX XXXX 7003 for the last two months. We miss you and would love to see you using our Card. Regular use of your ICICI Bank Credit Card will not only ensure that you get the maximum benefits but also earn reward points that can be redeemed for attractive gifts.
We would like to know about your overall experience of using ICICI Bank Credit Card. Please send us your feedback to customer.care@icicibank.com, with the subject line, "Feedback mail".
Here's wishing you many more happy moments with ICICI Bank Credit Card.
Sincerely,
Vinayak Prasad
Business Head- Credit Cards.

Dear Pavan,

We're sorry to hear about your experience.
We'll contact you and work to address your issue at the earliest.

Regards,
ICICI Customer Service Team.

After this they have come up with this explanation. I'm very disappointed. Please suggest

PLEASE GO THROUGH THE BELOW RESPONSE


Dear Mr. Nayak,

We refer to our earlier e-mail of January 13, 2010 regarding your Credit Card Number 4477 xxxx xxxx 7003.

In case a dispute on a credit card transaction we follow the process laid down by VISA / MASTERCARD universally.

We clarify that any transaction dispute should be initiated within 90 days from the date transaction and we have to receive a written confirmation from you confirming the details of the dispute within 90 days.

In this case we have not received the customer dispute form confirming details of transaction dispute within 90 days from the date of transaction.

Due to this reason the dispute of the transaction stated by you is off time as per Mastercard regulations and request you to clear amount outstanding to avoid any further financial charges.

Hence considering the mentioned details, we regret to offtime dispute initiated towards the transaction with INDIA IDEAS 6 EMI on 22/12/2007 for Rs. 5815.00 is resolved in bank's favor.

As on February 15, 2010, the amount outstanding on your credit card account is Rs. 8,786.61.
We request you to make payment to avoid further levy of financial charges.

We request you to treat this as our final response pertaining to your concerns about your ICICI Bank Credit Card.

Sincerely,

Ratheesh Achath
Office of Head Service Quality





Date: Wed, 13 Jan 2010 15:03:53 +0530
From: care@icicibank.com
Subject: RE:'ICICICARE=036-695-625' ICICI Bank Credit Card
To: pavan_dm@hotmail.com

Dear Mr. Nayak,

We acknowledge receipt of your complaint regarding your ICICI Bank Credit Card.

We have initiated dispute on your credit card account and we will keep you updated in this regards as the dispute process will take 45 working days.

Sincerely,

Sheetal Thakur
Office Of Head Service Quality

CONFIDENTIALITY INFORMATION AND DISCLAIMER
This e-mail message may contain confidential, proprietary or legally privileged information. It should not be accessed by anyone who is not the original intended recipient. If you have erroneously received this message, please delete it immediately and notify the sender.You will appreciate that e-mail transmission cannot be guaranteed to be secure or error-free as its contents are susceptible to loss, damage, interception, destruction, etc. Before opening any attachments please check them for viruses and defects.The notice appended to the e-mails is not intended to prejudice the interests of our customers in any manner or to evade responsibility for any act of done with the endorsement of ICICI Bank.


Dear Mr. Nayak,

We acknowledge receipt of your complaint regarding your ICICI Bank Credit Card.

We regret for the delay and inconvenience caused to you.

However, the issue on your credit card account is being attended to.

We request you to give us some more time to address your query. We will keep you updated in this regard by January 15, 2010.

Looking forward to your co-operation in helping us serve you better.

Sincerely,

Sheetal Thakur
Office Of Head Service Quality
------------------------------------------------------------------------------------------------------------------------------

Dear Mr. Nayak,

We acknowledge receipt of your complaint regarding your ICICI Bank Credit Card.

The issue on your credit card account is being attended to.

We request you to give us some more time to address your query. We will keep you updated in this regard by January 8, 2010.

Sincerely,

Sheetal Thakur
Office Of Head Service Quality
------------------------------------------------------------------------------------------------------------------------------

Dear Mr. Nayak,

We acknowledge receipt of your complaint regarding your ICICI Bank Credit Card.

Further to our telephonic conversation on December 28, 2009, the complaint has been registered vide Service Reference Number SR128149691.

We understand that you have the following complaint:
a. Regarding dispute on your credit card account.
We are looking into the complaint and will revert to you on or before by January 4, 2010.
Sincerely,

Sheetal Thakur
Office Of Head Service Quality

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