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	<title>Comments on: ICICI &#8211; The Worst Bank Ever&#8230;</title>
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	<description>Deep inside........ Deep !!!!!!!</description>
	<lastBuildDate>Wed, 10 Mar 2010 07:33:13 +0000</lastBuildDate>
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		<title>By: Mridul</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-307811</link>
		<dc:creator>Mridul</dc:creator>
		<pubDate>Wed, 10 Mar 2010 07:33:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-307811</guid>
		<description>Hi All,

I don&#039;t know if this is correct place, however I would still post my issue since &#039;ICICI&#039; plays 

a role.

I applied for a Car (Chevrolet) Loan via ICICI. The loan amount was a mere 3.2L. I submitted 

over 100 xerox copies of documents, my past 2.5 years of employment papers, this n that. 

Where am I stuck? The person from ICICI (or the agency ICICI hires) went to the WRONG address 

for my verification. Now, I&#039;m single and I stay alone. Where I live, it has been over 2.5 years 

and everyone knows me in the building for obvious reasons. The verification guy went to the 

wrong address and marked my FI as negative. I re-requested it and this time he entered the 

wrong address again! I assisted him in going to the correct address, and again he marked me as 

negative! I verified from every neighbor in my building, all of them were away to work. And the 

comments that this guy put in his notes everytime was
&quot;The guy has left the building 2 days ago&quot;

Now,
1) When first time, he entered the wrong place, how could he write &quot;I left 2 days ago&quot;? (even 

if I did leave)!!
2) Howcome he wrote the same damn comment AGAIN when he entered the same address

My question to ICICI persons:
1) Are these persons your own? These so called uneducated and absolutely lunatic people
2) If not, then they are from some agency that you hire. What is your criteria for making a 

contract with an agency for the verification process? Or do you have none at all?
3) On what basis, are these persons given information for verification?

or is this just some &quot;layman&#039;s work&quot; or some &quot;jugaad&quot; thing keeping which in mind does ICICI 

hire/employ agency/persons for the verification process?

I have taken a leave today, in spite of urgent work, sitting back home like a stupid person, 

and finding EVERY SITE on which I can tell people, what ICICI does! 

No matter what comes to this country, the service is as bad as a road-side dhaba. And its 

painful to see, ICICI BANK is no damn different!

Thanks ICICI, these are the reasons why people from outside laugh at India and its services.

Forget them, I am laughing myself to be a part of the country where a bank like ICICI truly 

harasses people and kills their time n money for nothing at all!

ICICI ..... YOU ROCK LIKE SHIT!</description>
		<content:encoded><![CDATA[<p>Hi All,</p>
<p>I don&#8217;t know if this is correct place, however I would still post my issue since &#8216;ICICI&#8217; plays </p>
<p>a role.</p>
<p>I applied for a Car (Chevrolet) Loan via ICICI. The loan amount was a mere 3.2L. I submitted </p>
<p>over 100 xerox copies of documents, my past 2.5 years of employment papers, this n that. </p>
<p>Where am I stuck? The person from ICICI (or the agency ICICI hires) went to the WRONG address </p>
<p>for my verification. Now, I&#8217;m single and I stay alone. Where I live, it has been over 2.5 years </p>
<p>and everyone knows me in the building for obvious reasons. The verification guy went to the </p>
<p>wrong address and marked my FI as negative. I re-requested it and this time he entered the </p>
<p>wrong address again! I assisted him in going to the correct address, and again he marked me as </p>
<p>negative! I verified from every neighbor in my building, all of them were away to work. And the </p>
<p>comments that this guy put in his notes everytime was<br />
&#8220;The guy has left the building 2 days ago&#8221;</p>
<p>Now,<br />
1) When first time, he entered the wrong place, how could he write &#8220;I left 2 days ago&#8221;? (even </p>
<p>if I did leave)!!<br />
2) Howcome he wrote the same damn comment AGAIN when he entered the same address</p>
<p>My question to ICICI persons:<br />
1) Are these persons your own? These so called uneducated and absolutely lunatic people<br />
2) If not, then they are from some agency that you hire. What is your criteria for making a </p>
<p>contract with an agency for the verification process? Or do you have none at all?<br />
3) On what basis, are these persons given information for verification?</p>
<p>or is this just some &#8220;layman&#8217;s work&#8221; or some &#8220;jugaad&#8221; thing keeping which in mind does ICICI </p>
<p>hire/employ agency/persons for the verification process?</p>
<p>I have taken a leave today, in spite of urgent work, sitting back home like a stupid person, </p>
<p>and finding EVERY SITE on which I can tell people, what ICICI does! </p>
<p>No matter what comes to this country, the service is as bad as a road-side dhaba. And its </p>
<p>painful to see, ICICI BANK is no damn different!</p>
<p>Thanks ICICI, these are the reasons why people from outside laugh at India and its services.</p>
<p>Forget them, I am laughing myself to be a part of the country where a bank like ICICI truly </p>
<p>harasses people and kills their time n money for nothing at all!</p>
<p>ICICI &#8230;.. YOU ROCK LIKE SHIT!</p>
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		<title>By: Prashanth M</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-307232</link>
		<dc:creator>Prashanth M</dc:creator>
		<pubDate>Tue, 02 Mar 2010 20:18:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-307232</guid>
		<description>Hello, ICICI is a bank that is doomed to fail eventually because of its corrupt business practices. I just closed my account with ICICI after they sucked up my NRI account dry levying all sorts of charges. This bank seems to think that Customers money deposited in its accounts is its own and can do whatever it wants with it.

ICICI is one of the WORST banks that I have ever banked with and Iam looking forward to the day when this bank crumbles. Lets not forget that even GM has come to its knees today for they became Complacent.</description>
		<content:encoded><![CDATA[<p>Hello, ICICI is a bank that is doomed to fail eventually because of its corrupt business practices. I just closed my account with ICICI after they sucked up my NRI account dry levying all sorts of charges. This bank seems to think that Customers money deposited in its accounts is its own and can do whatever it wants with it.</p>
<p>ICICI is one of the WORST banks that I have ever banked with and Iam looking forward to the day when this bank crumbles. Lets not forget that even GM has come to its knees today for they became Complacent.</p>
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		<title>By: Ashok Sundaram</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-307193</link>
		<dc:creator>Ashok Sundaram</dc:creator>
		<pubDate>Mon, 01 Mar 2010 19:37:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-307193</guid>
		<description>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.

Ashok Sundaram
Manager Marketing, Nature Neem products</description>
		<content:encoded><![CDATA[<p>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.<br />
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.<br />
Sending an email to <a href="mailto:corporatecare@icicibank.com">corporatecare@icicibank.com</a>, <a href="mailto:nri@icicibank.com">nri@icicibank.com</a>, <a href="mailto:nodalofficer@icicibank.com">nodalofficer@icicibank.com</a> &#8211; no email has been replied for the past 4 days. (I have the proof)<br />
Contacting the local bank &#8211; 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.<br />
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<br />
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.</p>
<p>Ashok Sundaram<br />
Manager Marketing, Nature Neem products</p>
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		<title>By: Donal Thompson</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-293566</link>
		<dc:creator>Donal Thompson</dc:creator>
		<pubDate>Sat, 26 Sep 2009 07:01:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-293566</guid>
		<description>Ketan, I know just where you&#039;re coming from, but possibly in reverse.

A man had his account phished. He was wrong in giving his personal account information of his account and his password, etc., to the phisherman. His Rs.80,000 had been deposited in my account for further credit and transfer to the vendor which the phisherman wanted the money in. The Phisherman immediately got his Rs.80,000 out of his foreign personal debit card, went to the ATM and withdrew the whole Rs.80,000. 

I got stuck for the Rs.80,000 even though ICICI knew it was not my account that got phished. When I asked them to repay me for their other customer&#039;s error after they also errored by giving the Rs.80,000 back to the phished customer, they demanded so much information from me that I was unable to get, so that they just stole the money from me and that was the end of it. 

In my opinion and all the opinions of friends I have conversed with about ICICI Banksters, they are THE most untrustworthy banking institution in the world. Their personnel are liars and dishonest to the core. This goes from the highest level of management to the lowest floor sweeper as they are all instructed to say things to the customer that are simply untrue -- lies. 

They think it&#039;s a good practice to tell customers what the customer wants to hear, without acknowledging that the customer relying upon their lie will be in a worse position after having relied upon the lying information.

Donal Thompson</description>
		<content:encoded><![CDATA[<p>Ketan, I know just where you&#8217;re coming from, but possibly in reverse.</p>
<p>A man had his account phished. He was wrong in giving his personal account information of his account and his password, etc., to the phisherman. His Rs.80,000 had been deposited in my account for further credit and transfer to the vendor which the phisherman wanted the money in. The Phisherman immediately got his Rs.80,000 out of his foreign personal debit card, went to the ATM and withdrew the whole Rs.80,000. </p>
<p>I got stuck for the Rs.80,000 even though ICICI knew it was not my account that got phished. When I asked them to repay me for their other customer&#8217;s error after they also errored by giving the Rs.80,000 back to the phished customer, they demanded so much information from me that I was unable to get, so that they just stole the money from me and that was the end of it. </p>
<p>In my opinion and all the opinions of friends I have conversed with about ICICI Banksters, they are THE most untrustworthy banking institution in the world. Their personnel are liars and dishonest to the core. This goes from the highest level of management to the lowest floor sweeper as they are all instructed to say things to the customer that are simply untrue &#8212; lies. </p>
<p>They think it&#8217;s a good practice to tell customers what the customer wants to hear, without acknowledging that the customer relying upon their lie will be in a worse position after having relied upon the lying information.</p>
<p>Donal Thompson</p>
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		<title>By: Ketan Kulkarni</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-293542</link>
		<dc:creator>Ketan Kulkarni</dc:creator>
		<pubDate>Sat, 26 Sep 2009 03:03:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-293542</guid>
		<description>That is ICICI bank in a nutshell !
 
I also have a really bad experience of ICICI. Their customer care is pathetic. Sometimes it gives a feeling like you are talking to a badly programmed machine that throws out the same error message without understanding the matter. Deep, you are right.

In our case, in which we lost Rs. 41640/- through a net banking fraud, the investigation department contacted us after about 35 days to fill up something known as a &quot;dispute form&quot;. Even the branch manager did not talk about such a thing as a dispute form before that. Looks like they need butting from the police to start their investigation. They won&#039;t help you in such cases unless they have an FIR. It&#039;s ridiculous to see that a matter of account to account transfer takes so many days for investigation. I have started feeling that these guys must be having a lot of fake accounts specially made for such purposes.

Be aware guys.

Ketan</description>
		<content:encoded><![CDATA[<p>That is ICICI bank in a nutshell !</p>
<p>I also have a really bad experience of ICICI. Their customer care is pathetic. Sometimes it gives a feeling like you are talking to a badly programmed machine that throws out the same error message without understanding the matter. Deep, you are right.</p>
<p>In our case, in which we lost Rs. 41640/- through a net banking fraud, the investigation department contacted us after about 35 days to fill up something known as a &#8220;dispute form&#8221;. Even the branch manager did not talk about such a thing as a dispute form before that. Looks like they need butting from the police to start their investigation. They won&#8217;t help you in such cases unless they have an FIR. It&#8217;s ridiculous to see that a matter of account to account transfer takes so many days for investigation. I have started feeling that these guys must be having a lot of fake accounts specially made for such purposes.</p>
<p>Be aware guys.</p>
<p>Ketan</p>
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		<title>By: ICICI Bank Customer Care</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-290336</link>
		<dc:creator>ICICI Bank Customer Care</dc:creator>
		<pubDate>Tue, 25 Aug 2009 09:06:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-290336</guid>
		<description>Hi, 

We&#039;re from ICICI and are sorry to hear of your experiences. Mail in your phone and email contact details at care@icicibank.com and we&#039;ll get our Customer Care team to call and work to address your issue. 

Warm regards,
ICICI Bank Customer Care.</description>
		<content:encoded><![CDATA[<p>Hi, </p>
<p>We&#8217;re from ICICI and are sorry to hear of your experiences. Mail in your phone and email contact details at <a href="mailto:care@icicibank.com">care@icicibank.com</a> and we&#8217;ll get our Customer Care team to call and work to address your issue. </p>
<p>Warm regards,<br />
ICICI Bank Customer Care.</p>
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		<title>By: VIC</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-286714</link>
		<dc:creator>VIC</dc:creator>
		<pubDate>Tue, 21 Jul 2009 04:58:58 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-286714</guid>
		<description>Hi Friends
Last but not the least, i am a dis satisfied customer of ICICI bank.
they have lots of hidden charges,
and charges they sometimes themselves dont know and are confused about,
for certain transactions they did not charge me and for the same transactions a week later they charged me and said that the rule existed from years.
This bank is full of thugs and i am going to close my account with them, i have a account with HDFC and will only deal with them.</description>
		<content:encoded><![CDATA[<p>Hi Friends<br />
Last but not the least, i am a dis satisfied customer of ICICI bank.<br />
they have lots of hidden charges,<br />
and charges they sometimes themselves dont know and are confused about,<br />
for certain transactions they did not charge me and for the same transactions a week later they charged me and said that the rule existed from years.<br />
This bank is full of thugs and i am going to close my account with them, i have a account with HDFC and will only deal with them.</p>
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		<title>By: facts</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-267169</link>
		<dc:creator>facts</dc:creator>
		<pubDate>Tue, 13 Jan 2009 22:04:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-267169</guid>
		<description>Corruption is killing India. 
Join the drive to weed out the mostly corrupt lot of administration in India which is more than 98%.

http://www.petitiononline.com/Facts/petition.html</description>
		<content:encoded><![CDATA[<p>Corruption is killing India.<br />
Join the drive to weed out the mostly corrupt lot of administration in India which is more than 98%.</p>
<p><a href="http://www.petitiononline.com/Facts/petition.html" rel="nofollow">http://www.petitiononline.com/Facts/petition.html</a></p>
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		<title>By: Subrahmanyam</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-263941</link>
		<dc:creator>Subrahmanyam</dc:creator>
		<pubDate>Tue, 23 Dec 2008 11:25:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-263941</guid>
		<description>Wanted to add this info as well. These suckers call me even though I am subscribed to National Do Not Disturb registry. I wish I have time to take these guys to court, but then who wants fight with these assholes.. they stink. These guys have specialized in harassing people.

By the way to start DND just send an SMS &quot;START DND&quot; to 1909.

Except the ICICI suckers (worst bank on earth) everyone else honours the registry.</description>
		<content:encoded><![CDATA[<p>Wanted to add this info as well. These suckers call me even though I am subscribed to National Do Not Disturb registry. I wish I have time to take these guys to court, but then who wants fight with these assholes.. they stink. These guys have specialized in harassing people.</p>
<p>By the way to start DND just send an SMS &#8220;START DND&#8221; to 1909.</p>
<p>Except the ICICI suckers (worst bank on earth) everyone else honours the registry.</p>
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		<title>By: Subrahmanyam</title>
		<link>http://www.whoisdeep.com/2005/07/13/icici-the-worst-bank-ever/comment-page-4/#comment-263908</link>
		<dc:creator>Subrahmanyam</dc:creator>
		<pubDate>Tue, 23 Dec 2008 04:10:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.whoisdeep.com/?p=161#comment-263908</guid>
		<description>I too agree ICICI bank sucks.. My experience is with the pre-approved loan on my credit card. Ever since I switched to ICICI bank Credit card from my good old HSBC card, I kept getting numerous calls that I have a pre-approved loan and I just need to say yes to get the money in my account in 3 days. I kept denying their offer as I didnt have any need for that money.

Recently I purchased a plot and I needed some cash, I could have raised it from my friends, but then I got a call from this lady named &quot;Sonia&quot; from ICICI chennai, who told me that I can get a pre-approved loan for 4.5 lacs. I said yes and they did some cross checks like my DOB ICICI a/c number etc. After 3 days I was told that the loan is approved and a form detailing the schedule will be dispatched next day and the money will be credited day after. That&#039;s the last I heard from them. After two days when the money didnot get credited I made calls to their customer care.

They told me that due to a &quot;policy check&quot; the loan is denied. I asked them several times to explain what that &quot;policy&quot; is. They don&#039;t have a clue.

Finally I closed my Credit card with them. Time to go back to my good old HSBC, who are very friendly at the branch, I get personal attention and royal treatment ... :)
I repent, I did a mistake switching from my HSBC CC which I held for almost 7 yrs.</description>
		<content:encoded><![CDATA[<p>I too agree ICICI bank sucks.. My experience is with the pre-approved loan on my credit card. Ever since I switched to ICICI bank Credit card from my good old HSBC card, I kept getting numerous calls that I have a pre-approved loan and I just need to say yes to get the money in my account in 3 days. I kept denying their offer as I didnt have any need for that money.</p>
<p>Recently I purchased a plot and I needed some cash, I could have raised it from my friends, but then I got a call from this lady named &#8220;Sonia&#8221; from ICICI chennai, who told me that I can get a pre-approved loan for 4.5 lacs. I said yes and they did some cross checks like my DOB ICICI a/c number etc. After 3 days I was told that the loan is approved and a form detailing the schedule will be dispatched next day and the money will be credited day after. That&#8217;s the last I heard from them. After two days when the money didnot get credited I made calls to their customer care.</p>
<p>They told me that due to a &#8220;policy check&#8221; the loan is denied. I asked them several times to explain what that &#8220;policy&#8221; is. They don&#8217;t have a clue.</p>
<p>Finally I closed my Credit card with them. Time to go back to my good old HSBC, who are very friendly at the branch, I get personal attention and royal treatment &#8230; <img src='http://www.whoisdeep.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /><br />
I repent, I did a mistake switching from my HSBC CC which I held for almost 7 yrs.</p>
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