How icici donated my gift and rewarded my loyalty. Review on ICICI Bank Visa Credit Card

Imagine having an identity crisis. Imagine telling people to address you by your full name(first and last name atleast) and not by your last name only. Imagine a bank like icici addressing a letter to a "Mr. Kumar" instead of "Mr. Jayant Kumar". And imagine gathering reward points for 2 years and then the icici guys misdeliver the gift to some one else. That's what happened with me.

Last month, I saw the option of redeeming the reward points as "Big Baazar gift vouchers" and opted for it. I ordered gift vouchers worth 1600 points. I suppose it might amount to around 1000/- INR.

When I did not get any response in 10 days time, I had the notion that again "Big Baazar Vouchers" might be out of stock and so I again mailed them. Their response was like - the voucher has been dispatched on 31st march and received in my office on 2st april. And today was 12th. I got the office address confirmed from the icici guys and asked for the airway bill no. I was given the blue dart airway bill no and I contacted them. The delivery boy came over next day and handed me the receiving of the package. There was only 1 stamp of my office on the receiving and the name in front of it was "Mr. Kumar".

I was like "WTF!". How could my name be "Mr. kumar". There are so many "Mr. Kumars'" - similar to so many "Mr. Patels'", Mr. Shahs'", "Mr. Agarwals'", "Mr. Jains'". How could you address a person by his last name only. Well, I contacted both Blue dart and icici to get clarification on my identity change. Then I got a call from the icici bank call center in chennai and some "Mr C.V.N.Bhoopal" called me up and told me that.

1. the packet was delivered to me at my office with stamp.

   
   




2. The name on the packet was "Mr. Kumar" which is a part of my name. I had a heated discussion with him on this, but this person was extremely rude and adamant. I would also say that he might be having a very low IQ. Since he was unable to understand the fact that unlike telephone numbers - names are not unique. And by taking away the first name, he could be addressing someone else than the person he wished to address.(I still remember, I had two "ankit shah"'s in my school and the only way to differentiate them was using their roll numbers or physical appreances).

   
   




3. And if I have not yet got the package, I should get in touch with the mailing room in my office.

   
   

And then I told him that they changed the name on the package to "Mr. Kumar" and I am not "Mr. Kumar". I am "Mr. jayant kumar". At this point, he bought the blue dart office into conference and asked the lady smita, I believe to read the name. When she told the name was "Mr. Kumar", he again told that it might be due to space constraints, and before I could confirm the same from the lady, he disconnected the lady. And then this highly trained "Mr C.V.N.Bhoopal" started forcing me to listen to him. He would not listen to any reason or logic. All he would say is that "We delivered the package to your office with stamp. Now it is your duty to collect it." He would not listen to the fact that the package was not addressed to me. Maybe that is how icici trains their call center guys - so that they "do not" listen to logic and reason and are always "in your service".

That was the point when I went through all the links on different sites which would tell me how to take care of this situation. And after lots of reading I realized that.

1. ICICI wont listen to you. "Hum hai na." means they would always be there - troubling you and reminding you that they are here. For them the client is nothing - cause they have so many - they dont care if a few go else where.

   
   




2. I came across cases where they have blocked bank accounts for some discrepency in credit card bills which was still to be resolved.

   
   




3. And cases where even after full payment of credit card, they entered the person's name as a defaulter - so that he could not avail further credit from any bank.

   
   




4. And ofcourse cases where rogues are sent to the peoples who have not paid "wrong" credit card bills.

   
   

Just do a google on "icici credit card complaints" and you would see lots of such issues.

I dont know which "code of ethics" do these icici guys follow. I believe there is one "Make money - dont give a damn for humanity" - the same that most thieves follow.

I again contacted the blue dart person and asked if they have changed my name on the package for space constraints. And they told me that they are not allowed to do that. And then it struck me - why would delivery guys tamper with the name on the package. What would they get out of it? - nothing

And I got a mail from blue dart regarding this.

=============================

Dear  Sir,

Thank you for writing to us.

The clarification on the name part has to be sought between "icici bank"

and "you".Bluedart has no role in making name changes/amendments.Please

speak with icici bank and clarify.

In case of any assistance feel free to write back to us.

With Regards

Sonal Srivastava

Sr. Executive - Customer Service

Blue Dart Express Ltd

centralized customer Service# 011-66111234

_

From: Jayant Kumar [mailto:jayant7k@gmail.com]

Sent: Saturday, April 19, 2008 1:02 PM

• Hide quoted text -

To: SONAL S /CS /DEL NRO/SR.EX

Subject: Re: non receipt of package

Hi Sonal,

the icici guys called me this morning and we had a telecon with the blue

dart personnel from where the package was sent(i think chennai).

The blue dart girl - I think smita said that they had changed the name

due to space constraints.

Please clarify the same. Icici bank refuses to accept that they have

changed my name from "jayant Kumar" to "Mr. Kumar"

Regards

Jayant

https://jayant7k.blogspot.com

=============================

And then "Mr. C.V.N.Bhoopal" forwarded me the "terms and conditions" document which stated that "They are not responsible for packages lost within office premices". Even if the package was wrongly addressed(i added that).

The moral of the story is that:

1. Dont trust banks. No matter how long and loyal have you been to them. They wont wait for a second in breaking your trust.

   
   




2. Never take loans and credit cards from the bank in which you have

   
   

your savings account. So that in case of any confusion with credit

bills and dues, your savings account is safe.

1. Dont expect

anything from the government. The rbi does lay down some rules and

regulations and also ensures that it is followed, but once you get

entangled in them, it is a very long process. Avoid getting entangled

unless you are in a bad situation.