icici: customer scare

I know I’ve bored you all with too much icici tales — but ALAS. I’ve closed the darned account. I can never crib about them again. Yay! Freedom, and peace of mind! So just this once more ๐Ÿ™‚

Gee! I’m on a roll! ๐Ÿ™‚ย  ICICI seems to be bent up on giving me fodder to rant on. After this and this, here’s some more ๐Ÿ™‚ Wow, ICICI sure knows how to make fools out of themselves!

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FODDER 1:

After all that drama, since we were in need to take out at least some of my money from my account (I have no cheque leave, and no ATM card, and they have no withdrawal slip, and I refuse to pay them even a single penny for their precious “instant” cheque leaves/cards), Suraj calls up ICICI Customer Care. He explains the situation and asks if its possible to transfer money from my account to his. He also says neither of us have Internet banking. “Of course Sir, it’s possible. You have to go to your home branch, and she also has to come there and give a written statement to theย  Manager, saying fund has to be transferred.” Suraj is overjoyed, but clarifies “My home branch or hers? And is there a limit, or can any amount be transferred?” “YOUR home branch, Sir. And you can transfer any amount, Sir. No limits.”

Suraj’s joy knew no bounds. He took an hour’s off from work, so did I. I knew some screw up would happen, but I kept quiet. At the Jayanagar 9th block branch (his home branch), of course, the first polite, all-smiles response to the query, in typical ICICI-style is “No, Sir…that’s not possible.” We had to tell her about 5 times that the Customer Care employee had confirmed it was possible.

“Ma’am, you can use your cheque leaf no?” I had sworn to myself I would be polite, so I said “I don’t have it; if I did, we wouldn’t be asking for this, right? (sweet smile)”

“How about your ATM card?” Before I lose my cool, Suraj says “I already told you she lost it, and we’ve blocked it.”

She: “Ma’am, in that case, you can buy loose cheque leaves from us.”
Suraj: “But that’ll be charged, right?”
She: “Yes, Sir. It’s Rs 28 a leaf, but we’ll give you 5 leaves together.”
Me: “Hmmm…so Rs 140 for 5 cheque leaves. It’s a lot cheaper here, Suraj. It was Rs 220 at Koramangala, remember?” (sweeter smile)

She gives us both a weird look before continuing, “Or if you go to the Jayanagar 3rd Block branch, you’ll get an instant card. Instantly, they’ll give it.”
Suraj: “But that’ll be charged, right?”
She: “Yes, Sir. It’s 221 a card.”
Me: “Wow. That’s so uncool. Koramangala was cheaper for this one…they had said Rs 150.” (much more sweeter smile)

The lady now is so bewildered, Suraj politely asks her to talk to the Manager. She’s gone a while and returns to tell us “You can transfer a maximum of Rs 5000. For more, you’ll have to go to her home branch.””I clarified and the Customer Care person said I’ve to come to MY home branch, and there was NO LIMIT.” “No Sir, sorry. We can’t do anything. We don’t have the authority. Go to her home branch. Or you can even request her home branch to be transferred to this branch, so it’ll be easier for you both.”

Before indescribable expletives come out of my mouth, Suraj ushers me out, looks at me, sighs and says, “Yes, pannnna stupid horrible ICICI.”

But in this case, I must admit, the lady was DAMN POLITE, and was quite apologetic when she said she can’t do anything to help. And I held on to my temper, since she had no clue what I’d gone through a couple of days back. But well, there’s NO COORDINATION BETWEEN WHAT THE EMPLOYEES AND THE CUSTOMER CARE SAYS!

Where ICICI is concerned, the customer is forever on a merry-go-round, which isn’t quite all that merry!

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FODDER 2:

For a change, this happened to Suraj, and not me! So, I think his “good spell” is waning too. I’mย  — not secretly at all — THRILLED!

He, after hearing all my stories and rants, decided that Internet banking HAS to be activated. So he goes to the bank and enquires how he must go about it. The officer there said that though they do have a form he can fill up there, it’ll be a quicker process if he can go about it via Customer Care. (When I tried for this once through Customer Care, they’d explicitly told me I HAVE to go to the bank and fill the form up, there was no other go ๐Ÿ™‚ ๐Ÿ™‚ ๐Ÿ™‚ Different people get different options. Nice!) He also said that the mobile number needs to be registered first in their server.

So Suraj registers the mobile number, and also gives a request to update his address to our current one. The officer said it’ll take a day for the mobile number to be registered, and that Suraj’d get a letter via post confirming the new address.

As promised, the next day dawns with an SMS from the bank stating that his mobile number has been registered. Suraj waits further, and on Day 4, a letter comes via post, stating the address has been changed to the current one, and registered in their server as well.

Suraj then calls Customer Care and requests to activate Internet Banking. So they say they’ll send him a new id and password through post. Recalling how, in my case, without even confirming the address they SENT an id and password to an old address, Suraj says he had changed his address two days back, and asks the Customer Care person to confirm it. But voila! After 6 days — and even AFTER getting a letter by post to the new address — the “server” still hangs on to the old address. “How’s that!? I changed it, and I even got a letter confirming it. If it’s still showing the old one, how did the letter reach me?” “I don’t know, Sir. It’s still showing the old one. We can send the password and id to that address only, unless you change it. If you change it, it’ll take 4 days, and you’ll get a letter. You can then call again and activate Internet banking.”

Dende kedakkunnu! There! So, singing “here we go round the mulberry bush”, Suraj starts all over again, requesting an address change. The guy says Suraj’d get a letter via post confirming the new address. On Day 4, the exact same letter arrives all over again, stating in the exact same words the exact same “new” address” has beenย  registered in their server as well.

EDITED TO ADD (after the latest address change letter):
ย  ย ย  Letter 1 said:ย ย ย  Old address: ABC… ย  ย  New address: DEF…ย  (which is exactly what Suraj wanted)
ย ย ย ย  Letter 2 says: ย  Old address: DEF… ย  ย  New address: XYZ… ย  (ROFL is all i can do!!)
The funniest part is, Suraj DID NOT give XYZ as his address at all! So, I wonder where they go it from. I wouldn’t be surpised if tomorrow they change his dad’s name, or even his very own name — and then shift all his funds to another account saying “That’s your real account number, SIR”! ๐Ÿ˜€

From the looks of it, the next time he calls, a third Customer Care employee will again say it’s still the old address they have, Suraj will again give the new address, they’ll again send the letter. I wonder how many Customer Care employees they have — just so I know how many calls Suraj will make ๐Ÿ˜€ย  And I wonder if there’ll be enough trees left in the world — considering how many letters they send via post for the same ****ing thing.

So much for getting his Internet baking activated “much more quickly” ๐Ÿ™‚

I think they need a new server that’s willing to accept new addresses and make sense of existing names and stuff. Especially after reading this experience of another customer unfortunate enough to have an ICICI account, I don’t just think, I’m SURE they need one.

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What I just can’t accept is the fact that they’re never inclide to “help”. No matter what the situation is, on whose side the fault lies and how simple it may be solve it, they JUST DONT SEEM INCLINED TO HELP. The first response I always get is a “No”, before they give options, that too, ONLY if we ask! THAT is what pisses me out. I seriously hope they fall out of business. Soooooon!

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12 thoughts on “icici: customer scare

  1. You have stated on a relevant topic and are helping in awareness about ICICI bank.

    In case you have time, kindly take copies of your blog pages and send them to their main Office, Reserve Bank of India( department of Banking Supervision) of the State, and also to the Banking Ombudsman. This will at least dent their claim of best private Bank in India.

  2. Wow.. you and ICICI sure dont go together but then on second thoughts you not the only one , i ma sure i have mentioend my problems in previous posts of yours…
    I cant understand why you have to go to Home branches for this , ANY branch should be able ot do anywhere well thats what happens here ooooh I am not showing off ๐Ÿ™‚ he he he he eh

    ICICI and me also go long way back , thankully I have slowly closed the accounts and taken most of the money…

    But each time i read indian news they do say ICICI is best I wonder what happens with other banks.. and Also so many news about ICICI being asked to refun this and that pay the fine .. I mean No wonder the current economic state is because of bankers, They are utterly USseless..

    Heres wishing you yet again ALL THE BEST ๐Ÿ™‚ and have more fun and please do post so we can have a laugh tooo …

  3. I for one am not bored with the ICICI saga. The adventures are fun to read and very convincing of their inherent evil. ๐Ÿ˜€
    A fun post, if you don’t mind me saying that. ๐Ÿ˜€

  4. I have not faced any problems with ICICI so far except once.. May be because I got my Internet banking enabled flawlessly(which is a rare case according to many of my friends) and I never lost my debit card… but thank god you managed to close your account. But now where will you go?

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