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Worst Behaviour from ICICI Bank

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Deal Lieutenant
longlivesonu...

My friend went to open Regular Savings Account with ICICI Bank with 10000 Rs Minimum Account Balance in a Small City named Vijayawada.But,the ICICI Branch Staff & the Manager are telling that they will open 50000 Rs Minimum Account Balance Account Privilege Savings Account Only.My friend told the Manager that he will open 1 Lakh Rs ICICI Fixed Deposit & Credit Card also from their ICICI branch if they agree to give Savings account with 10000 Rs Minimum Account Balance,but the Branch staff & the Manager are Very Stubborn & NOT Caring at all.My friend asked them that it is clearly mentioned in ICICI Official Website that a person can open 10000 Rs Savings account from ICICI Bank from any City,but they are coming up with Silly Excuses like the information in the ICICI website is Old and it will be updated later.


The Manager is also claiming that the Lower ICICI Savings Account variants are stopped PAN India wide also since the past two months.Is this true?


Further,the Manager is asking for Minimum 4 Lakhs Credit Limit in Other Bank Credit Card in order to apply ICICI Platinum Chip Credit Card on Card to Card basis.My friend is Self Employed & he does not have ITR,so Card to Card basis the Only way for him to get an Unsecured Credit Card.My friend has only around 1 Lakh Limit in his HDFC Credit Card.Demanding 4 Lakhs Credit Limit on Other Bank Credit Card to apply Basic Platinum Card on Card to Card basis,looks like ICICI is living in a different Universe.


My friend aims to get Amazonpay Credit Card on the basis of using ICICI Platinum Chip Credit Card in the future.My friend is interested in adding ICICI Credit Card to his Cards Portfolio and he already has Credit cards from all other Top banks except ICICI.

The Manager is telling that it is his discretion & only upon his invitation only the accounts will get opened & that too only 50000 MAB accounts only get opened in his branch.Since the Manager is Egoistic & showing his Careless Attitude.My friend wrote the matter to ICICI Bank Social Media team,but the Useless ICICI Social Media are connecting Conference Call with that same Branch manager just to Support the Manager on Call & Reconfirm whatever the Manager is already telling.ICICI Social Media Team also told it is the Branch Manager decision to keep whatever rules he want & also denied to give the details of the Zonal/Head Office located in the city.My friend sent Email to the Manager to confirm whatever he is telling as reply email,but the Manager is not sending reply email & instead telling that their Corporate team will send email in Couple of Days.My friend escalated the matter to Nodal officer of ICICI,but the Nodal office are just delaying the reply.These issues were also raised with National Consumer helpline and PG Portal.

The same branch gave 10000 Rs Savings account to many other Customers.But,they are denying to give the same account to my friend.After speaking with ICICI Social Media team,my friend is telling that that it looks like the ICICI Bank branch is not working for ICICI brand,but the ICICI is working at the Mercy of their Bank branch.

My friend already has Savings accounts from all other Major banks.So,Give your Valuable Suggestions to help my friend to open 10000 MAB account with ICICI rather than asking to open account with another bank.

Top Comments
The PostMighty The PostMighty
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Not sure about initial funding but last week and a week before that I visited icici branch to open a savings account for my mother but they clearly denied they have received instructions from top not to open any new account..even digital account opening is not working, it is asking to visit branch

Something phisy going on

Generous Generous
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It looks like they are undergoing some major changes due to which new account opening is on hold.

Better wait for some time and try again later. 

Benevolent Benevolent
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ICICI is gradually consolidating it's business unlike other smaller private banks who are focusing on increasing customer base by giving attractive offers which are with after few years.

ICICI has passed through that initial phase of increasing customer base and now focuses on maximizing returns.

ITR is the only recognised income proof of non salaried individuals. Banks normally do not issue credit cards to individuals without an ITR or a document indicating regular source of income. Only under special campaigns to increase customer base, they issue credit cards without ITR or salary slip 

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Deal Lieutenant Deal Lieutenant
Finance Ninja Finance Ninja
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Just ask your friend to visit Another ICICI Branch or Try "X"/Twitter Support!
Helpful Helpful
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this story is  happening in all icici bank branches entire nation.

Helpful Helpful
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Firstly they should stop asking minimum average balance.

It should be 0 balance account. 

And tell your friend to go to other bank like kotak. 

Deal Subedar Deal Subedar
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ICICI is well known for this.

Helpful Helpful
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It seems they do this in all branches..3 months ago I have visited ICICI branch in semi urban City..to open regular savings account.. after the process executive asked me to transfer 50k..to the account to activate it..

I have transferred the same and got a message that some  privilege banking account opened..i would have beat the s*hit out of executive..but didn't because anyway i wanted to open a premium account for pre approved ICICI credit card..

*Executive told me 12k cheque first..but after the documentation asked me to transfer 50k or else account will not be activated..

My suggestion is to write to RBI BANKING OMBUDSMAN..add supporting documents for your complaint...

The PostMighty The PostMighty
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Not sure about initial funding but last week and a week before that I visited icici branch to open a savings account for my mother but they clearly denied they have received instructions from top not to open any new account..even digital account opening is not working, it is asking to visit branch

Something phisy going on

Comrade Comrade
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When there is an option to open account online... Why someone wants to go to branch..... And amazon card days are gone long... Nothing fancy in it to take the metal harassment.... I have itand its lying somewhere in yhe drawer....

There are much better banks available in the market

Deal Lieutenant Deal Lieutenant
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Accounts opened online are not being properly opened and also getting blocked if big amounts are deposited.


My friend already has Savings accounts from all other Major banks.He is interested in adding ICICI Credit Card to his Cards Portfolio and he already has Credit cards from all other Top banks except ICICI.









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Generous Generous
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It looks like they are undergoing some major changes due to which new account opening is on hold.

Better wait for some time and try again later. 

Generous Generous
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How can 50k MAB accounts be opened, but NO for 10K MAB ones?

Maybe changes are ongoing, but this kind of foolery is happening for some time now because of the branch incharge wanting to please their bosses / meet some targets!!

It's time to report them to their escalation path and then to RBI Ombudsman!

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Benevolent Benevolent
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same happened with me in AU bank. when i asked them to open zero bal account, banker told me it not possible 50k bal account is there.
eventually i opened online, now same banker calls me sir u have pre approved cc under your name.
so in a nut shell just try to open thru online mode.
Helpful Helpful
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AU Bank Employees' daily work list.

1. Call customer by saying it's a service call in the morning and then offer pre approved Personal Loan.

2. Call customer by saying it's a service call in the morning and then offer pre approved Credit Card.

See the audacity of those guys,

Sir, you have good banking relation with us.

- Not even 2 months since I opened the account.

- Bank balance 2k-3k.

Why they're offering personal loan and credit card, I don't know.

Plus, they say, sir ye offer ab hai toh lelo baad mein pata nahi offer rahega ya nahi 😵‍💫

Every day they call 🤣


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Generous Generous
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here is my short essay 

-applied for amazon ICICI card ,got rejected

-asked reason ..Sir u dont have banking relation with us

-applied online a/c , some icici fat guy came to home for finger aadhar and etc

-told me to deposit 10K by evening , i said okok

-applied ICICI amaozon , got it coz now i have banking relation

-never touched that ICICI saving a/c , they repeatedy send me mail for this and that , i dont give a F

-now the a/c is dormant and i dont care , apprantly thre is some RBI rule that they cant charge over a dormant a/c

-take credit LTF and saving a/c zero balance , anybody doin otherwise is a fool and promoting follishness to greedy corporates


Commentator Commentator
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that's what i did and they trying to lure me over to reactivate my account, lmao.
Generous Generous
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RBI waiting for ur friend complaint..  maine lagaya hai ek baar L ICICI ka.. acc freedege kar 4 month tarkaya.. baad RBi complain ke baad manager phone Kiya unka staff Ghar aaya sign karane complain solve ho Gaya Aisa sign karane

Benevolent Benevolent
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Bhai nehi deraha toh q pichey pade ho. . waise v icici ka koi card / savings account worth nehi hey. Yea apay card v kuch khas nehi. To get 5% cashback you neeed 1500 prime membership. Look for other cards 

Deal Subedar Deal Subedar
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Icici cc is not supportive.

Deal Major Deal Major
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ICICI online account opening not showing as before

Community Angel Community Angel
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It has been like for over an year now. I have a very old salary account. I went to open an account for my 1 year old daughter around a year ago and was told the same thing. I didn't matter to me as could park 50K in her account. Even in net banking the MAB shows 50k so the branch people were not lying. I prefer ICICI as the service is very good as compared to any other banks. Its like take it or leave it. You can inquire about downgrading the account or changing the MAB with customer care after opening it. I haven't tried it yet though. 

Edit - i needed an account for my infant so that i can link a SSY account to it. Not all banks offer SSY and going to SBI or post office was out of the question due to their terrible service. This was sorted out by visiting nearest ICICI just once. 

Benevolent Benevolent
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ICICI is gradually consolidating it's business unlike other smaller private banks who are focusing on increasing customer base by giving attractive offers which are with after few years.

ICICI has passed through that initial phase of increasing customer base and now focuses on maximizing returns.

ITR is the only recognised income proof of non salaried individuals. Banks normally do not issue credit cards to individuals without an ITR or a document indicating regular source of income. Only under special campaigns to increase customer base, they issue credit cards without ITR or salary slip 

Community Angel Community Angel
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Absolutely true. People are expecting to get credit cards without proving their credit worthiness like its their right to have one. If a self employed person doesn't earn enough to file an ITR, why should a bank extend credit to him? What if he runs away after spending? Credit card offers an unsecured credit and the bank has every right to deny someone.

@longlivesonusood advice your friend to go to a smaller bank like AU which is hungry for customers and allow 0 MAB accounts. 
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Helpful Helpful
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solution is open the account in a branch where the manger agrees to your account variant, then transfer that account to your choice branch.

Generous Generous
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Well, you just wrote that ICICI manager and the staff on that branch is 💩 and all then why is your friend hellbent on choosing that particular bank branch? All for an Amazon credit card??

Deal Lieutenant Deal Lieutenant
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It is the only ICICI branch near to my friend house.Point is to add atleast one ICICI Credit Card to use for ICICI merchant offers.Amazonpay card is desirable as it is LTF.
Commentator Commentator
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Take revenge. Go to the same ICICI Bank and ask the manager for BSBDA account. It's a Zero balance account. Have a request letter on paper written for the same addressing the manager. If he says his branch doesn't provide it, give him the letter and ask him to respond in writing. Banks don't like to offer BSBDA so he may give ₹10k acc instead. If he agrees to open BSBDA account then ask for passbook also. It is provided free. Make some transactions and get the passbook printed every few days.

Regarding credit card - you can't dictate terms. You are entitled to your opinion but you are applying through the branch.

Deal Lieutenant Deal Lieutenant
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Bump

Critic Critic
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Ask your friend to get instant platinum card against FD of 50k/1 lakh & be done with this.
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Deal Captain Deal Captain
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They are just completing their targets.

Same happened with me once. I Twitted it to ICICI and they called back and took manager at conference and asked him to confirm if he told this to open account but he denied.

Manager politely told me to visit branch and meet him directly for account opening. He was straight like a pole in a second. stuck_out_tongue_winking_eye

Next day my account was opened with a one time 50k cheque from other bank account of mine and opened account easily

Deal Lieutenant Deal Lieutenant
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My friend suspected the same that ICICI branch employees are just completing their targets and so he complained to ICICI twitter.

The ICICI twitter team connected to the concerned branch manager,but the manager still demanded for 50000 RS MAB account opening from my friend and the ICICI twitter team also blindly took the side of the manager and just repeated what the manager is telling already.The manager also spoke disrespectfully on call with my friend even when the ICICI twitter team is on conference in the same call due to the lenience the manager was given.
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Blaze Blaze
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Any update ? Tried in other branches of ICICI @longlivesonusood

Comrade Comrade
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pno@ icicibank.com solved my problem

services@ custcomm.icicibank.com
Problem was with pockets account

Benevolent Benevolent
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What exactly was the problem? I have not been able to link my father's old Pockets account with his ICICI Savings account opened last year despite multiple attempts since June. Even got CC to  delete the account but even afterwards the new Pockets account couldn't be linked. 

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Brand Enthusiast Brand Enthusiast
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@op

There are too many things your friend is asking at a time.

If the purpose is account opening pls ask him stick to it. ICICI is not allowing account that won’t generate revenue for them. So a min of 4L cheque during account opening helps

If aim is to get icici Amazon pay card, he would end up spending unnecessary amounts unless his intension is reselling. 

There are many local markets with lesser price and ask him to explore.
Even if he goes rbi ombudsman it will not help him
hope it’s clear

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