1. The bank (ICICI) was great in 04, everything was fast and reliable. great access to ATM and warmth of associates, Now since from 2007 onwards the charm went away. there is no proper response by your associates and they are not interested to deal with the customer
2. I went through lot of pain to get the house loan from ICICI in year 06. I spent at least one month follow-up with your people but finally I was denied even after great eligibility. Look at HDFC, within one week they processed my loan and everything is fine with the HDFC
3. I have salary account with ICICI, every month Rs.50, 000 salary deposited in it but still I am struggling to get the personal loan from ICICI. I was following your people for last one week, people are not good, I think good people left your organization
4. I think now to shift to AXIS bank, they are also advancing to internet operations and installing number of ATMs, I am sure all your customers will shift to this or other banks in coming year 10.
5. AXIS bank is providing loan at 15% interest to ITC Ltd employees and your bank is providing it at 18% (On internet instant loans / pre approved loans are at 20%),
6. There are lot of true facts posted about ICICI and it is not romourous (Your officials may say it as rumor for saving their own job, but this is the reality) check this on link : -
http://inconsumercomplaints.com/complaints/threatning-on-phone-c185860.html
7. There are no pins placed at ATM machine since last six months, most of the ATMs in India are without pins, I was searching pins to put cheque and slip together so that I can put this in the crop box. Your security guard says that our bank (ICICI) not providing pins ("Bhikh lag gayi hai bank ko"), all customers are in trouble since from last 6 months. Your officers will not report this problem to you as they may be in fear of being sacked, they will provide only goodi goodi picture to you on power point slides but will never tell the VOC.
8. Your bank maintains 5-S but now the situation is pathetic, most of the times there is no inventory (Payment packets, slips, system downs, hang-ups, no money in ATM, software bugs in ATM)
9. Loan processing to loyal customer like me is very dirty. Since from last 7 years I was not able to get any loan, where as other banks - SBI and HDFC have provided me the loan of Rs.7, 00, 000/- and which I have repaid it (You will get the proof in writing if needed), but the sad story with ICICI, even if I have all the Savings and Salary account with this bank and I am LOYAL to ICICI (Other policies are also from ICICI, I have never gone to other banks for policy) still I am not able to get the loan
This is the sad story
10. I suggest that you must look in to the LOYAL customers of your bank, otherwise the day is not far that your corporation will ruin due to web and personal feedbacks from your own customers. Others are gearing up, by the end 10 you will loose your market share by 34% to 38% this is guaranteed
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