ICICI Bank Limited - Harassment from Recovery Agents
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Complaint by: Rakesh Jaiswal on June 4, 2009, 4:54 pm in Credit Cards

I am holding a Credit Card of ICICI Bank from last 2 years. I have being trying to pay the charges every month but many times due to unfavorable monetary condition I was not able to pay the amount or did a partial payment for the outstanding. Now my monetary condition has gone worst & wanted to get the payment settled for which I had requested to the bank officials many time but there was no positive reply from their side. It was twice that I was being told by the collection department of the ICICI Bank that if I pay a certain amount of money against my outstanding for that particular month, they will get the settlement letter arranged for me & which will be received by me in next few working days.
So on believing on this statement of the ICICI Bank personal I made the payment but after 2 months I came to know that there is no application that is being given for any settlement for my Credit Card & I am still at the same place where I was. I stopped making the payment & from them I was continuously got harassed by the recovery agencies & many time even they threatened me on phone. I do have few of the conversation recorded & can provide to if needed.
I have never denied paying money to bank but again not in this condition.

i will like to know how to come out of this mess.....

Complainant's Goal: Settelment of the Credit Card at Minimum amount
Complainant's Target: ICICI Bank Limited
Complaint Location: IndiaDelhiNew Delhi
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Recent Comments
8.
Mon, 07 Aug 2023  RATNESH KUMAR SHARMA

Sir please meri madad karein main jald hi paise bhar dunga harshment wale bahut pareshan kar rahe hai lagta hai sucide kar loo please meri madad karein ?

7.
Thu, 30 Nov 2017  Radhakrishnan

All respected sirs,

Consider this as an criminal case, where I have been hurt a lot by the bad network. Where they are disturbing my task, giving the constant tortures, giving lot depression too.

I have been tortured by SBICARDS through calls more than 30 numbers more than 200 calls,though my complaint with their additional charges in the bill by sbi credit card and my complaint is under rbi ombudsman too, they have sent rowdies to my home, out of three persons only one person is showed me he is SBI employee and his card, They were shouted like anything in front of many peoples around my house & they pretend to say that I have looted lot of money that I was not paid till date, and i was absconded, they are intentionally doing this with to collect the money without my complaint resolved properly.I never ever said I am not going to pay, they asked me pay the payment right a way or ask me come to the police station or asked me come to the bank within that morning time, I was just woke up that time. They were scolded me like anything, not even trying to listen to me what I have been telling for the issue, they not even allowed me take water or going to the bathroom, they said they cannot wait for anything, I have called up uncle and told the issue, he adviced me not go with them, instead you call the police, that also I didn't do because I am afraid those who come to my house places, I was about to close the door but they didn't allow me to close the door by just standing in front of the door. and knocking the door like anything. they started taking video started using lot of abusing words until they leave from their,


What can I do, I don't like to go to the bank to beg for them to close this issue, since it's their mistake to added a addional charges against their application process. This issue is been created by them by created the bogus card processing and they kept asked me pay the annual fee , interest, tax etc... They only took more than two months without even they resolved the issue they came to my house many times, its really a big mental blocker for me where I couldn't work, or have my food, no one in my life scolded like this for others mistakes.

One person came to my house and told me that he is from SBI and called to someone and gave it me, he was listening to me for all the issues I have faced, and then he started using all abusing words then he pretended like he couldn;t hear me, and that recovery person left from my house.

after few days later he came with group of other two fellows claiming that they are all from SBICARD's and working for recovery team, that time I have asked for their ID, only one fellow shown his ID others didnt do. I am not sure fist of all all them from SBI or Employees of SBI .

One tall gui who came with them typically doing the like typical rowdy, the moment they took the video from their mobile they pretended like they are so politly asking me to pay, after some time they got call from somebody and they stopped doing the abusing words.

This group must be punished, the trigger of these group must be punished. These groups are looting public money through SBI cards and with their illegal partners and they are doing this kind of illegal, unprofessional way of doings with normal citizen like me.

I told them clearly I will not come with you now, even then they didn't leave me to do my task. Same peoples threatened me they will come and torture in the office space and everywhere while leaving from home, also he warned me that this torture is just a beginning & you may face a lot of torture here after. also my phone is shared by them to many networks it seems, I have been getting lot of marketing calls though my no is been registered under DND.

The way they have done the overall card verification process, tortured given to me is totally suspicious,it will not happen normally to a other persons in this country. so far they have blocked my sbicard online site many times by showing the technical issues, they themself changed my email ID(against registered email id) , changed my mobile no where the OTP will goes to different phone numbers, this clearly shows these are all the act by the hackers and biggest network they gave me enough torture by car accidents, hacked all my accounts, giving the slow poisons etc...


I hope someone will be save me, as I am telling right from the begining I am ready to pay whatever I have used it, but SBIcard must be answering to all troubles they given so far . This is the highest torture emotinally you can give it to the peoples. I couldn't tolerate.


First of all I was not even interested in credit cards, these SBICards ajents were sitting in the supermarkets and were pulling the shirt too to get these cards, they were called me from the different numbers, day and night, eve on sundays to get such cards, after many request to my at moremega store in mahadevpura I was getting this card for they were saying that its a annual fee card, they will do any addinal charges and all these promises.

Thanks,
Radhakrishnan Velchamy.
lives in Mahadevoura, Bangalore,
Working in HPE ( I don't know I will be allowed to work here)
********36 ( definitely I will not attend the calls, since I have tortured through no too, please text me if you are not part of this torture group).

6.
Mon, 26 Jul 2010  K L SHARMA

I support this complaint.

5.
Thu, 18 Mar 2010  Ashwini Kudianawala

Harassment, Terrorised and mental torture from ICICI BANK Recovery Goondas asking me to sell my body organs to pay up the loan amount for Personal Loan Account Number LPSUR00009889296 and LPSUR00012373328,

Your Highness,

My sincere PRANAM and NAMASKAR to you and your office. I am Ashwini Rajnikant Kudianawala, aged 35, residing at Surat, State Gujarat, hereby state as under,

The ICICI Bank, based on my banking transactions of my Savings Bank Account 005201506581, offered me a PRE APPRIVED PERSONAL LOAN of Rs. 1, 69,081.00, on 20/03/2007, who?s ICICI. Loan Account Number is LPSUR00009889296. My first installment of Rs 6268/ was debited on 05/05/2007. Again after a period of some months, based on my past payment transactions and credibility, the Bank provided me one more PRE APPROVED PERSONAL LOAN, on 14/01/2008 of Rs 3, 49,955.00, which was again credited to my ICICI Savings Bank Account 005201506581, whose Loan Account Number LPSUR00012373328. My first installment of Rs 10,330/ was presented in the month of Feb 5, 2008. Since then, on every 05th of each month, the monthly installments were being debited. But, since Feb 5th, 2009, I am unable to pay, due to the financial melt down which had severely affected my income. I am running tuition classes and Drawing classes. Due to the economic meltdown, prevailing, the students are unable to pay the fees on time, and that has had a cascading effect on my income, too. I had bought this to the notice of the banking officers and at the corporate office of the ICICI Bank, and other various departments of the bank from time to time in my earlier mail and fax since the month of February, 2009. Ever since then, RECOVERY GOONDAS from ICICI Bank, deliberately keep on visiting my premises and keep on harassing me and my husband, for the outstanding amount. I and my family are being threatened by unsolicited calls made at the office landline number. The caller does not introduce himself and uses abusive language which can be termed as below the belt language. I have asked the company officials visiting my premises to send me a communication in writing rather then keep on visiting my premises at unwanted times and events. I am being coerced and threatened by informing me that the company has several ways of collecting its dues and that a well known Anti social, anti national element will be visiting my premises to collect my due, failing which my family will be physically assaulted, and publicly humiliated. I feel threatened and mentally disturbed by the turn of events taken place since last some days, wherein I am subjected to humiliation. The ICICI Bank so called recovery Goondas are deliberately informing my loan / financial status to my neighbours and to persons known to me. They visit my residence at unwanted time before informing me and make a tamasha by speaking out loudly and by using below the belt language. I was threatened that in any case I will have to cough up the amount even if that means by selling any parts and organs of my body. The bank will not mind stooping to its lowest level in recovering the dues. The last instance of threatening took place on 10th February, 2010, where in some six persons visited my residence in my absence, where in my guests were present at my residence. The visitors were rude and uncivilized in their language and threatened my guests with all the possible filth language they could. They left a message that I should call some one Rakesh DADA on ********48. Yesterday, on Feb 18, 2010, some five persons visited my residence in the evening in my absence, where in my son who is 13 years old and my daughter who is 10 years old were alone at my residence. These people literally manhandled my son and physically assaulted my son and pushed him by forcibly entering my premises. They physically searched my residence for my presence, where in I was not available and my son informed these goondas that my parents are not available at home at that moment. They abused my son and threatened my son that they would be coming late night with some more persons and pick his parents that is me and my husband and publicly assault. My son was made to cry and he is now terrorised by those goondas who claimed that they were from the bank and the bank is authorised to take illegal steps to recover the amount in any case and any circumstances. On my return I called up the number these so called bank officials had left with my son. I was threatened on the phone that he was not from recovery agency but from the bank itself and that he had come with the blessings of some very big person who was not afraid and who cared the least for any law of the land. My son is now literally terrorised and under depression. He has his school exams and he is not in position to eat not speak. Every time they leave some new numbers and some new names to call. I wrote a mail to the bank on 19th Feb 2010 mentioning the tamasha made by none other but that of the banking officers who had then claimed that they can do everything illegal even to the extent of recovering the dues by selling my kidneys. By the time I reached home, on 19th Feb 2010, I was again informed that again some 4 persons had come to my residence and again had made some new tamasha. I WISH TO ASK THE BANK AND ITS OFFICERS SITTING IN AC CHAMBERS, DO THEY WANT TO KILL ME AND MY FAMILY??
IF YES, PLEASE COME AND KILL ME AT ONCE AND FOREVER..
INSTEAD OF COMING AND KILLING ME MENTALLY AND DAY BY DAY, EVERYDAY.
I AM TIRED AND WISH TO STATE THAT I AM PUSHED TO THE CORNER, THINKING THAT BECAUSE OF ME, MY FAMILY IS BEING TROUBLED AND INSULTED EVERY NOW AND THEN, WHEN EVER THE BANKING STAFF AND PERSONS OF OFFICER LEVEL COME AND ABUSE AND THREATEN ME AND MY FAMILY IN MY RESIDENTIAL PREMISES. I AM NOT ABLE TO SHOW MY FACE TO ALL AND EVERY ONE OF MY NEIGHBOURS AND SURROUNDINGS. I AM HUMILIATED, INSULTED, ABUSED, THREATENED, INSHORT, I AND MY FAMILY ARE TERRORISED BY THE ICICI BANK OFFICERS. THE PERSONS COMING TO MY RESIDENCE SAYS THAT THEY ARE NOT FROM ANY AGENCY AND THAT THEY ARE FROM THE BANK, AND NO RULES OF RBI OR SUPREME COURT IS APPLICABLE TO THEM. THE RULES OF RBI AND SUPREME COURT ARE APPLICABLE ONLY ON RECOVERY AGENCIES AND NOT TO BANKING STAFF.
PLEASE COME AND KILL ME AND MY FAMILY, IF THAT IS THE AIM AND MOTIVE. MY SON IS IN MENTALL TRAUMA. HE IS NOT ABLE TO CONCENTRATE EVER SINCE THESE ICIC BANK OFFICERS CAME AND THREATENED HIM ON THE DAY OF FEB 18, 2010. HOW AM I GOING TO LIVE IN THIS WAY. BETTER THE BANK SENT THEIR SENIOR OFFICERS TO MY RESIDENCE AND KILL ME OR IF THEY WANT ME TO KILL MYSELF, PLEASE TELL ME. I AM TIRED OF THIS TERRORISM BY THE ICICI BANK AND ITS BANKING SENIOR STAFF. THE BANK AND ITS STAFF ARE NO DIFFERENT FROM THOSE TERRORIST WHO COME AND KILL PEOPLE, UNINFORMED. THE SAME IS IN MY CASE. I WROTE TO THE BANK CORPORATE OFFICE on 18 Feb 2010, and again on 19th Feb 2010, again some other persons claiming from the bank officers come and again threaten my family. How am I going to live in this environment?? The copy of the banking correspondence is mentioned below for your kind referral.

Your Highness, on every visit of these recovery goondas and of the senior officers of the bank, I have asked these so called visitors to act as per the law of the land, but I was shocked to hear when the so called visitors informed me that it was they who had given me the money and not the courts, and that they shall keep on troubling me till I don?t cough up with the outstanding dues. I was informed that my case has been referred to the final basket wherein I must be ready to face retaliation from well known Anti national and anti social elements. These people keep on calling my work place, wherein the caller does not identify himself. He starts his conversion by using filthy language and begins threatening me. I was shocked where in at one occasion, he informed me that he does not care for the Judiciary, and that he will not let me live peacefully, as he has been instructed to extract the outstanding funds from me by hook or crook. These recovery goons often keeps on calling and states that they do not believe in the Courts and the law of the land, as it is not the courts who have funded me but it was them who funded me and that I will have to cough up the outstanding amount in any case even if that amounts to selling any parts and organs of my body. I am terribly scared at the security of my family.

your Highness, I had availed the loan from a banking institution. They ought to behave in accordance with the law of the land. It is highly deplorable and disturbing to note that they are referring such cases to well known fugitives and to anti social elements. I request you to kindly help me and ensure mine and my family?s safety, from these recovery Goondas of the ICICI Bank. My husband is a handicapped person and I fear they might hurt us. I hereby, wish to state that in case I or any of my members in the family are hurt or are physically assaulted resulting in also loss of lives, the complete blame and responsibility should be completely attributed to the recovery Goondas of the ICICI BANK. I conclude my letter with immense grief and pain, PLEASE GUIDE ME.


Thanking you
Ashwini Kudianawala
Surat
State Gujarat
INDIA

4.
Wed, 03 Mar 2010  Krupakaran

I support this complaint.

3.
Mon, 22 Feb 2010  kar

I support this complaint.

guys, seriously stop making payments. tat would be the only solution. The agents force us to take the credit cards. i joined in one MNC after my btech. took the card, forced by that idiotic agent. I was asked to pay 30k and my 43k outstanding would be waved off. they even convinced me that upon payment, i would be given eith a closure letter. i did the same and i didnt recieve an acknowledgement. this was a 6month old story. Now, i am getting calls to pay 89k.

2.
Fri, 05 Jun 2009  Message from iComplaints.in Helpdesk

An email communication has been sent to ICICI Bank Limited on June 5, 2009, 12:56 pm

1.
Thu, 04 Jun 2009   Message By Complainant Rakesh Jaiswal

I support this complaint.