Gift Tax in India 2025: Rules, Exemptions and Limits
13 Dec, 2025
By Online Legal India
Published On 20 Nov 2020
Updated On 29 Oct 2025
Category ODR
Facing issues with ICICI Bank services like unfair charges, delayed transactions, or poor customer support can be frustrating, especially when your hard-earned money is at stake. But the good news is, you have the right to speak up. Whether it’s related to savings accounts, loans, credit cards, or online banking, filing a complaint is simple and now easier than ever with ODR. It offers faster and stress-free resolutions from the comfort of your home. Read the blog to learn how to file a complaint against ICICI Bank.
ICICI Bank is one of the most trusted private banks in India. But like with any financial institution, customers sometimes face problems that need to be addressed. When your concerns go unresolved, whether it’s about banking services, hidden fees, or technical glitches, you have every right to file a formal complaint. Here are the most common and justified reasons why customers raise complaints against ICICI Bank:
Unexplained Deductions or Hidden Charges: Many customers report deductions from their savings or current accounts without a proper explanation. These could be for non-maintenance of minimum balance, SMS alerts, or annual debit card fees. If charges are made without prior notice or proper documentation, it’s valid to file a complaint.
Failed or Delayed Transactions: Online banking glitches, failed UPI payments, or delayed NEFT/IMPS/RTGS transactions can lead to stress, especially during emergencies. If your money is deducted but not credited or delayed beyond the allowed time, it’s a strong reason to escalate the issue.
Poor Customer Service or Ignored Grievances: Sometimes, ICICI’s customer care doesn’t respond quickly or effectively to customer queries. Whether it’s through call centres, emails, or branches, lack of support can be frustrating and justify a complaint.
Credit Card Billing Issues: Customers may face problems like wrong billing, double charges, non-reversal of cancelled transactions, or unapproved charges on their ICICI credit cards. If the bank fails to resolve it on time, you can complain through the bank’s grievance portal or further escalate it.
Loan-related Disputes and Hidden Conditions: Complaints often arise due to incorrect loan EMI deductions, foreclosure charges, or unclear loan terms. If ICICI Bank does not properly disclose loan-related fees or changes in interest rates, it is a breach of transparency.
Unresponsive NRI or Corporate Banking Services: NRI customers and corporate clients sometimes report delays in remittances, paperwork processing, or poor online support. In such cases, especially when large sums are involved, it’s critical to file a detailed complaint to the bank or the RBI Ombudsman.
Account Freezing or Blocking Without Intimation: If your account is frozen or blocked without prior notice due to suspicious activity or KYC issues, and the bank fails to inform or assist you on time, it’s considered unfair service. You can rightfully raise a complaint under banking consumer rights.
Technical Errors in Mobile App or Net Banking: Frequent downtimes, errors during login, or transaction failures on ICICI’s iMobile or net banking portal may lead to major inconvenience. If complaints go unresolved for long, filing a grievance ensures accountability.
ICICI Bank customers are entitled to fair and efficient service. But if you face issues like wrong deductions, delayed payments, or poor customer support, you have every right to raise your voice. However, before filing a formal complaint, it’s important to understand whether you’re eligible to do so. Here’s a simple guide explaining who can file a complaint against ICICI Bank and under what conditions:
1. You Must Be an Existing or Former Customer of ICICI Bank
To file a complaint, you should hold an account or financial product (loan, credit card, FD, etc.) with ICICI Bank. Even former customers can file a complaint if the issue happened during the time the relationship existed.
2. You Must Have Faced a Valid Grievance Related to ICICI Services
Whether it's incorrect billing, poor internet banking experience, fraud, failed UPI, or harassment through recovery calls, your complaint must relate to a service provided by ICICI Bank. Personal dissatisfaction alone isn't valid unless supported by a service breach.
3. You Should Try to Resolve the Issue Internally First
According to the RBI and ICICI’s internal grievance redressal policy, you should first raise your concern with the bank’s customer care team or branch officials. You can file the complaint via email, phone banking, or by submitting it through the ICICI grievance portal.
4. Allow the Bank Up to 30 Days to Respond
After you raise a formal complaint, ICICI Bank is legally allowed a response period of up to 30 days. If they fail to respond or give an unsatisfactory reply, only then can you escalate it to external bodies like the RBI’s Complaint Management System (CMS).
5. The Complaint Must Not Be Already Settled
You cannot file a complaint again for the same issue if it has already been addressed and resolved to your satisfaction by ICICI Bank. Reopening resolved cases without new proof may lead to rejection.
6. The Issue Should Not Be Pending in Court
If your dispute with ICICI Bank is already under consideration in a civil court, consumer court, or has been settled via arbitration, you cannot raise it again with the Banking Ombudsman or ODR platforms.
7. You Must Have Sufficient Evidence
Make sure you have supporting documents such as account statements, transaction records, complaint reference numbers, screenshots, email threads, or call recordings. Solid proof helps make your case stronger and ensures fair redressal.
8. NRIs and Joint Account Holders Are Also Eligible
Non-resident Indians (NRIs) holding NRE or NRO accounts with ICICI Bank can also file complaints, especially for issues like delayed remittances or account blocking. Similarly, any joint account holder is eligible if the complaint involves their shared account.
If you are facing issues like unauthorised transactions, delayed refunds, unresponsive customer support, loan mismanagement, or hidden charges with ICICI Bank, know that you’re protected under India’s Consumer Protection Act, 2019. You have every right to file a formal complaint and seek justice. Here is how to help you take the right action:
Step 1: Collect and Organise Solid Evidence
Before raising a complaint, make sure your case is supported with proper proof. Good documentation can make all the difference when dealing with the bank or approaching legal authorities.
What you need to collect:
Account statements showing wrong deductions, failed refunds, or delays.
Emails or chat logs with ICICI Bank’s customer support.
Loan or credit card documents, especially sanction letters, charges, and repayment terms.
Transaction receipts or UTR numbers related to disputed payments.
Screenshots of failed transactions on mobile banking or net banking platforms.
Copies of any previous complaint numbers, email follow-ups, or written responses.
Clear, organised evidence strengthens your complaint, shows you’ve tried to resolve it, and speeds up the response from ICICI Bank or legal forums.
Step 2: Raise an Official Complaint with ICICI Bank
Most issues are resolved directly if escalated properly within the bank. Here’s how to initiate that process:
Call Customer Care at 1800 1080 or use the official ICICI website or mobile app to file a complaint.
Provide full details like account number, complaint type, dates, and supporting proof.
Always ask for a complaint ID or reference number to track your case.
ICICI Bank usually responds within 7 to 10 working days.
If your complaint is resolved at this stage, then great. But if not, it’s time to escalate.
What is Online Dispute Resolution?
Online Dispute Resolution is an entirely digital system for resolving disputes, utilising technology-driven platforms to facilitate every stage from the initial filing and evidence submission to virtual hearings, negotiations, and final decisions. It incorporates traditional dispute resolution methods such as negotiation, mediation, and arbitration, all conducted online via tools like video conferencing, chat, and secure document sharing. This comprehensive online workflow enables parties to engage in dispute resolution without needing to meet in person, making the process more convenient and accessible while maintaining the structured framework of Alternative Dispute Resolution methods.
Why Choose Online Dispute Resolution?
Consumers prefer ODR for several reasons:
Cost-effective & Time-efficient
Online Dispute Resolution (ODR) significantly cuts down on expenses related to travel, legal representation, and court fees. Since the entire process takes place digitally, parties can save both time and money that would otherwise be spent attending physical hearings or waiting through lengthy legal procedures. Most disputes are resolved in a matter of days or weeks instead of the months—or even years—it often takes in traditional courts.
Accessible & Convenient
ODR platforms are designed to be user-friendly and available around the clock, allowing participants to engage in the process from anywhere in the world. This makes it especially beneficial for cross-border or interstate disputes where physical presence can be challenging. Whether you’re a consumer or a business, you can submit evidence, communicate with the other party, and attend virtual hearings—all from the comfort of your home or office.
Privacy & Security
Unlike traditional court proceedings that are often public, ODR ensures a higher degree of confidentiality. Sensitive documents, communications, and decisions are securely handled through encrypted digital platforms. This protects the privacy of both parties and provides a safe, confidential environment for resolving disputes without public exposure.
How to File a Complaint through ODR?
Filing a complaint through Online Dispute Resolution (ODR) is simple and follows a structured process. Here’s a step-by-step guide:
Step 1: Collect All Relevant Evidence
Before initiating your complaint, gather all documents and proofs that support your claim. These may include:
Having organized and clear evidence strengthens your case and speeds up the resolution process.
Step 2: Submit Your Dispute Through an ODR Platform
You can file your complaint either through an official Government ODR Portal or a private ODR platform, such as Online Legal India. Provide all necessary details, attach supporting documents, and describe your issue clearly. The platform will appoint a neutral mediator. The mediator will send the mediation notice to the other party.
Step 3: Participate in Mediation Proceedings
During the mediation, the mediator facilitates discussions between you and the other party via email, chat, or video call. Both parties present their viewpoints and approach for a resolution.
After the mediation process, the mediator will provide a mediation report summarizing the discussions and recommendations. Based on this report, a settlement is determined. Possible outcomes may include:
Step 4: Settlement
If mediation is successful, the agreement is documented, and both parties are expected to comply with the terms. If you need assistance in filling your dispute, get in touch with Online Legal India.
Conclusion
Filing a complaint against ICICI Bank is a straightforward process if you follow the right steps. The ODR platform allows you to raise complaints digitally, track their progress in real time, and receive quick resolutions without the need for physical visits or lengthy procedures. By choosing ODR, you not only save time but also ensure that your consumer rights are protected efficiently. If you require any assistance in filling your complaint through ODR, get in touch with Online Legal India.
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