Dear Anuradha.M,
I am surprised by your mail,it again shows what attitude you carry towards your
customers.If it has taken 10 days to write what your colleagues have written number
of times if this what you had taken time to give reply by 4th May i donot know what
to say about it as this shows that you have not read throgh the mails ,that shows
you carry any regard for the authorities concerned.Would one last time request you
to go through all tha mails below and give me point wise reply,i am not asking only
for reward points there are several issues raised and want to know why you should
not be responsible for the same and what should be the penalty for it.The most
important why have you not marked the reply to all the authorities as i had done in
my mails.i think there is some thing fishy about this.

Best Regards,

J.P.Singh

PS Concerned authorities at consumer court and national consumer redresal forum; I
am putting hereunder the replies i ahve recieved from ICICI Bank.it clearly shows
no that they are not really scared/have scant regard for the legal authorities.The
reply recieved has shocked me and i hope that through your intervention i will get
justice and for all other people whom these banks harsas everyday.I am herunder
also putting the replies i have recieved from ICICI,for which not surprisingly they
have not marked the copy to you.

REPLY RECIEVED FROM ICICI ON 5TH MAY

Dear Mr. Singh,

We refer to our earlier e-mail of April 27, 2009 regarding your ICICI Bank Credit Card.

We regret to compensate for the reward points transferred to i-mint rewards program.

The communication has been sent regarding the transferring of reward points to
i-mint account through statement inserts along with your monthly credit card
statement and also the details are updated in our website icicibank.com.

Your i-mint card number is 9401151035295002.

For any query regarding to your i-mint card, you can visit imintpoints.com or
you can write to membercare@imintpoints.com.

There will be no credit back of the reward points from i-mint account to your credit
card account.

We hope you would meet the above explanation with understanding and acceptance.

Sincerely,

Anuradha M
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


REPLY RECIEVED FROM ICICI ON 27TH APRIL


Dear Mr. Singh,

We refer to your e-mail of April 23, 2009 addressed to Head Service Quality.

We have registered your complaint under Service Reference Number SR104505688, which
will be responded by May 4, 2009.

Sincerely,

Anuradha M
Office of Head Service Quality



----- Original Message -----

From: J.P.Singh
To: ICICI Bank Customer Care
Cc: headservicequality@icicibank.com ; admin@consumercourt.in ; ncdrc@nic.in
Sent: Thursday, April 23, 2009 12:21 PM
Subject: Re: RE:'ICICICARE=032-999-149' Redemption of reward points.


Dear Mr Rama,

As i was travelling and was not able to access my mails ,icouldnot reply you.You
reply was as expected by me smartly you are not replying to the poits i have
asked,and for your information i can understand english you neednot reply the same
thing again and again.Please reply to the issues i have raised and how do you
compensate me for your mistakes.Further you take buisness decisions which gives
you profit and makes loss to the consumer is not acceptable and totally against
the consumer interest,this blatant misuse of your authority.Would like to seek you
clarification.

One more thing happened as expected,i had dropped my cheque for my last payment
well in time but i get message you have recieved the same on 17th,it clearly shows
you are unnecessarlly to make some point that i have done mistake,THIS WAS ALWAYS
EXPECTED OF YOUR ORGANISATION BASED ON THE PAST EXPERIENCE.

WOULD ONCE AGAIN REQUEST YOU TO REPLY ALL MY QERIES POINTWISE WITH THE
REMEDIES/COMPENSATION OFFERED.

Best Regards,

J.P.Singh

Concerned authorities at consumer court and national consumer redresal forum:i
approach with lot of hope as the Bank is taking consumer to ride at their on will
and wish.Inspite of my repeated requests no direct reply is being given but mails
are being answred round and round.Bank should be penalised for their mastakes as
tyey do to thier customers.I think they were replying like this either they
thought i will not approach any authority and will get fed up and leave the matter
or they have scant regard for power of conumer rights and authorities.This all is
clear form mails ihave echanged with them below.

----- Original Message -----
From: ICICI Bank Customer Care
To: J.P.Singh
Sent: Monday, April 20, 2009 4:15 PM
Subject: RE:'ICICICARE=032-999-149' Redemption of reward points.


Dear Mr. Singh,

We clarify that reward points of all the customers has been migrated to I-mint
as per business decision. Hence the points can be redeemed through I-mint
department hereafter.

Your I-mint account number is 9401151035295002.

For further details about this program, we request you to write to I-Mint
department on imintpoints.com or e-mail ID membercare@imintpoints.com or
contactus@imintpoints.com or contact on below numbers:

City Number
Bangalore 40146468
Delhi 40146468
Chennai 40146468
Hyderabad 40146468
Mumbai 40796468
Kolkata 033-40146468

For any query or redemption related to reward points kindly contact I-mint.

Note that I-mint customer care working between 10 am to 7 pm.

We request you to treat our response of April 20, 2009 as our final response
pertaining to your concerns about your ICICI bank credit card

We hope you will meet the above explanation with understanding.

For any further grievance with respect to your query, please write to STEP 3
through the "Complaints" option at our website icicibank.com or to
headservicequality@icicibank.com.

Sincerely,

Rama K A
Customer Service Manager
ICICI Bank Limited


-----Original Message-----
From: J.P.Singh (jpsingh@gerbindia.in)
Date: Friday, April 17, 2009 05:13 PM
To: ICICI Bank Customer Care (customer.care@icicibank.com)
Subject: Re: RE: Redemption of reward points.

Dear Mr K.A.Rama,

From your reply one thing is clear that you are very smart people and
answer the queries not directly but you go round and round.I am very clear
since you donot leave your customers for any mistake done by them and
charge them I should also be compensated for the number of mistakes you
have done you just cant get out by regretting or saying sorry.Please reply
issues raised by me point wise.Further regarding shifting reward points to
someother agency without even informing in advance shows your bad
intention as the value which iget through I mint is less than as compared
to your list which you can see yourself or I will prove in front of the
competent authorities One more wring feedback in your last Emails which I
didn't point out last time is you have informed that the points get double
when transferred to imint where as per information its 1.5 times don't say
sorry once again and plea it was by mistake because your attitude is clear
to mislead your customers.Would like to bring to authorities whether banks
can act arbitrarily and cause loss to customer by changing the policies at
their free will.

Would request for point wise immediate reply without regretting for anything.

Best Regards,

J.P.Singh

----- Original Message -----
From: ICICI Bank Customer Care
To: J.P.Singh
Sent: Tuesday, April 14, 2009 12:57 PM
Subject: RE:'ICICICARE=032-999-149' Redemption of reward points.


Dear Mr. Singh,

We sincerely regret the inconvenience caused to you.

We clarify that Big Bazar vouchers will be available for only Big Bazar
Credit Card as you are holding HPCL Credit card these vouchers were not
available for the redemption.

We are deeply concerned with the issues raised by you in your e-mail. We
regret that our service couldn't live up to your expectations.


We make considerable efforts to train our staff to ensure high levels of
service and we will now strengthen our initiatives in this direction,
based on your feedback. We earnestly hope that the unpleasant experience
you had remains an exception.



Having said that, we apologise for the inconvenience caused to you. We
assure you that such lapses will not recur.

For any query or redemption related to reward points kindly contact I-mint.

Sincerely,

Rama K A
Customer Service Manager
ICICI Bank Limited

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

-----Original Message-----
From: J.P.Singh (jpsingh@gerbindia.in)
Date: Monday, April 13, 2009 02:18 PM
To: ICICI Bank Customer Care (customer.care@icicibank.com)
Subject: Re: RE: Redemption of reward points.

Dear Mr K A Rama,
The reply you have given is what earlier your colleague had
replied,and i had asked to reply other questions which i have
asked i donot know for the reasons best known to you are avoiding
delibrately to avoid answeing those,there aws simple query i ahd
raised in my last mail,you have not even bothered to reply
that.Since after my repeated requestsyou are not replying to my
queries ,though ihad clearly written to you i will not make my
present payments due till you answer all my queries,as you have
not done the same after my repeated replies,i have the right to
hold your payment,but not to give you any chance of playing with
any issue i have sent my payment on 11th.I would once again
request you to please go through my mail and try to reply me
point wise.

Best Regards,

J.P.Singh


CC National consumer Dispute Redressal Commission 5th Floor A wing
Janpath Bhavan Delhi By Registered post with copies of the mail i
have had with M/s ICICI Bank since last two years.

CC To MRTPC Seeking your intervention and help to end this mental
harasment as this is a gross case of acting at their will without
informing the customer.By Registerd Post.




----- Original Message -----
From: ICICI Bank Customer Care
To: J.P.Singh
Sent: Friday, April 10, 2009 12:31 PM
Subject: RE:'ICICICARE=032-999-149' Redemption of reward points.


Dear Mr. Singh,

We clarify that reward points of all the customers has been
migrated to I-mint as per business decision. Hence the points
can be redeemed through I-mint department hereafter.

Your I-mint account number is 9401151035295002.

For further details about this program, we request you to write
to I-Mint department on imintpoints.com or e-mail ID
membercare@imintpoints.com or contactus@imintpoints.com or
contact on below numbers:

City Number
Bangalore 40146468
Delhi 40146468
Chennai 40146468
Hyderabad 40146468
Mumbai 40796468
Kolkata 033-40146468

For any query or redemption related to reward points kindly
contact I-mint.

Note that I-mint customer care working between 10 am to 7 pm.

Sincerely,

Rama K A
Customer Service Manager
ICICI Bank Limited

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

-----Original Message-----
From: J.P.Singh (jpsingh@gerbindia.in)
Date: Monday, April 06, 2009 11:02 AM
To: ICICI Bank Customer Care (customer.care@icicibank.com)
Subject: Re: RE: Redemption of reward points.

Dear Mr. Sails,

Don't explain me what is better ,reply what has been
asked for as you have done nothing then mislead the
customers, You have not replied to issues I had
raised,that means you are agreeing to those facts and I
should be compensated for lack of services by you.Further
you have informed that you have migrated our reward
points to some other agency without even informing me,you
have not even taken care to reply to this query that you
can act at your will ,one day you may say we have deleted
your reward points.You write double the points are
transferred to I mint but as per latest statement same
number of points are shown again wrong feed back.please
confirm.

Your detailed point wise reply is immediately solicited
in failure of the same I will be forced to take the matter
legally through relevant agencies.

Best Regards,

I.UP.Singh

----- Original Message -----
From: ICICI Bank Customer Care
To: J.P.Singh
Sent: Friday, April 03, 2009 1:16 PM
Subject: RE:'ICICICARE=032-999-149' Redemption of reward
points.


Dear Sir,

According to your request number SR101782106 the letter
will be receive with in 7 working days.

We wish to inform you that your points has been transfer
to I-Mint card and request you contact I-Mint customer
care for the redemption.

We inform that ICICI Bank has decided to migrate Credit
Card Rewards Redemption to Imint.

i-mint is a coalition loyalty programme that lets its
customers earn i-mint points at merchant outlets across
categories, apart from the preferred partners,
regardless of whether the customers pay by cash, credit
card or cheque. With an aim to help customers
consolidate the rewards of spends.

We request you to call I-mint Customer Care the contact
numbers are 080-40146468 and 99800 06468. The e-mail ID
is membercare@imintpoints.com.

Following are the benefits of using an I-mint Card
a.. I-mint is a life time membership program without
any fees.
b.. I-mint Card has validity of 10 years.
c.. Customer gets extra reward points for every
transaction.
d.. There are more gifts available for redemption at
I-mint than the gift list available in Credit Cards.
e.. Points can be redeemed against Gift Vouchers of
participating merchants.
f.. Can earn reward points for transactions done
through ICICI Bank Debit Card and also if cash payment
is made at participating merchants.
g.. Can merge the reward points earned using two
credit card accounts to a single I-mint Account.
h.. The reward points earned by using credit card are
doubled when transferred to I-mint.
i.. No minimum points are required for redemption.
Sincerely,

Shailesh
Customer Service Officer
ICICI Bank Limited

ICICI Bank now offers 8.75% p.a. for fixed deposits.
Choose from tenures of 390 days, 590 days and 890 days.
Please contact any ICICI Bank branch.

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.

-----Original Message-----
From: J.P.Singh (jpsingh@gerbindia.in)
Date: Wednesday, April 01, 2009 05:23 PM
To: ICICI Bank Customer Care
(customer.care@icicibank.com)
Subject: Re: RE: Redemption of reward points.

Dear Sir,

After 4 years of my using your card,and numerous
times I have written to you the way you deal with
your customer,and no difference it makes to you for
the complaints your customer makes and highhanded
attitude you have towards your customers has been
once again proved today which I am writing below.I
have been all along reading the way you threaten
your customers and for which numerous times
authorities have reprimanded you ,but looks like it
doesn't effect you and you will not listen till some
body really take you to the authorities which I can
prove I have total record of the mails I have
exchanged with you where in you have acted only when
I complained to the authorities and your attitude
changed within days.Here I would like to inform you
which I have earlier raised you do mistakes you and
you want to get away by simply regretting and saying
sorry,where as when your customer does mistake you
simply penalize and threaten.This time I am asking
for the compensation for the mistake you have done
which is highlighted in below mail I would like the
compensation for the time I have spend and the
number of telephone calls I have made and the
harassment I have gone through,the amount for which
I will raise when you agree to this or the concerned
authorities ask me if you donor respond.

Now my interaction I had with you today through your
executive Mr Michel Dsoza.I had called for
redemption of my rewards points which I have earned
over the years by using your card b=which I had done
because I had some good rewards which of were use to
me (I could have used other available cards also)for
which you had sent me the list also when I finalized
my decision I called you and now get the reply that
I can not redeem the same with you and you have
transferred my points some bullshit programme I
Mint.When is asked how can you do this reply was we
can take any decision.let me inform you that I was
using the card in view of certain benefits ,I agree
you can do some changes but you have to inform the
customer and would have used my points till that
date anf further I would have taken decision whether
I want to continue or not and there would have been
no faults of your.for your information very reputed
bank and done this type of change recently and they
informed the customer to reddm the points with lot
of time given in between to take decision for which
I have total documentary proof which can be provided
once it is required.your executive once again was
showing that you have given card free to me let me
tell you and you are already aware that you earn lot
of money when we use your card I.e you are not doing
any charity further more you have been upgrading my
cards without even my asking since you saw my usage
and you were earning more for which you have some
special rewards for higher cards.that's the e reason
I was using your card.

Would request you to immediately respond to all my
queries and also I ask for compensation for the time
and effort I am putting once again this time in
addition to my last complaint and other past
complaints for which you have accepted the
mistakes.Further I am mot making this as reason to
hold your payment,but for speedy redressal of my
complaints I would like to inform you that I will
not be making my outstanding payment of around Rs
45000 till you resolve all my queries with suitable
reply and you will be solely responsible for any
delay as we still have time till 15th April that is
the due date.So would request you to please respond
well in time.Once i hear from you iwll take the
further couse and involve the authrities/agencies
who can help me.

Here I would like to tell you that your attitude
towards the customers have forced me to take up
this case and also the harassment you put your
customers through as many of them donot have time or
our chalta hai attitude of which you take advantage
and you earn millions and your good balance sheets
and also you get your hefty salaries,here I would
like to warn the person who reads this and replies
you can also be victim one day of these type of
organizations.

Best Regards,

J.P.Singh
09313976682
CARD NUMBER 4477473734608008
----- Original Message -----
From: ICICI Bank Customer Care
To: J.P.Singh
Sent: Thursday, February 19, 2009 11:10 PM
Subject: RE:'ICICICARE=032-999-149' Redemption of
reward points.


Dear Sir,

For quicker resolution of your query/request, please
write to us through the "E-mail Us" option at our icicibank.com

We sincerely sorry for the inconvenience caused to you.

We are deeply concerned with the issues raised by
you in your e-mail. We regret that our service
couldn't live up to your expectations.


We make considerable efforts to train our staff to
ensure high levels of service and we will now
strengthen our initiatives in this direction, based
on your feedback. We earnestly hope that the
unpleasant experience you had remains an exception.



Having said that, we apologise for the inconvenience
caused to you. We assure you that such lapses will
not recur.

We have attached the reward points catalog for your
reference

We request you to please select the gift form the
catalog and provide the gift code, quantity and
number of reward points to be redeemed to redeem
along with your mailing and non-mailing address to
redeemed.

alternatively :

You can redeem the reward points on your credit card
online. Please follow these steps:



1.. Go to icicibank.com. Login with your user ID
and password.
2.. Click on 'Credit Card'.
3.. Place the cursor on the option 'Reward Point' on
the left hand side menu. You will now see two
options:
a.. Rewards Catalogue
b.. Redeem Online
Select your option.

We request you to calling up to our 24 hours
customer care and place a request for redemption.

Sincerely,

Sampath Kumar
Customer Service Officer
ICICI Bank Limited

Season's Greetings! Hope the New Year brings you and
your family joy & prosperity and make our
relationship stronger than ever

ICICI Bank now offers 8.75% p.a. on fixed deposits
for 390 days and 590 days, 9.00% p.a. for 890 days.
Please contact any ICICI Bank branch.

Now get your credit card statements whenever you
feel like, simply visit the cards section on
icicibank.com and click on Personal
Banking>Cards>>Credit Card>>View credit card
e-statement. This facility will not be available for
Add-on Card holders and ICICI Bank Amex Card
holders.

Stay connected for communication by updating your
contact details through "Forms Center" at
icicibank.com

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.




-----Original Message-----
From: J.P.Singh (jpsingh@gerbindia.in)
Date: Thursday, February 19, 2009 08:26 PM
To: customer.care@icicibank.com
(customer.care@icicibank.com)
Subject: Redemption of reward points.

Dear Sir,

Would request you to inform you that i have been
asking to redeem my points for Big Bazar vouchers
since December 08, and have been told repeatedly
that they are out of stock.Even Last sunday i talked
to Mr Arun he said he has taken the request ,and
since the system sare not working i will get the
request number by SMS by evening which as usual with
ICICI never came.Today when i called again ,Mr
Ashish informed that i cant get the Big Bazar
Vouchers against this card,thsi aws a big rude
shock.It means for last two months the people i
taled were not aware about it or they were casually
giving some reply which is again a very standard
thing with ICICI or Mr Ashish is the onle
intelligent person you have with you.Here i would
like to inform you that the same situation i had
faced earlier also for HPCL,Voucher for which i have
all the record available with me today also.Your Mr
Ashish when asked what should be penalty for giving
the wrong feed back/mistake he said i am sorry.I
remember if we pay you late by even by 2 days you
apply all those haevy interest cahrges you donot
agree with the sorry we tell you.Wolud request to
let me know what should be penalty to you.

FUTHER YOU PUBLISH SUCH A LONG LIST OF ITEMS HALF OF
WHICH ARE NOT AVVAILABLE,WOULD LIKE TO NO IS THIS
NOT GIMMICK OR FRAUD BY YOU.

Would request you to please provide me with a
detailed reply for me to decide on my further cause
of action as it looks like you take your customers
for granted.



Best Regards,

J.P.Singh