ICICI Bank fetching wrong aadhaar address while opening Savings Account

[ak95]

A few days ago, I tried to open a new digital savings bank account with ICICI Bank. After entering my PAN details, I was informed that I was eligible for Wealth Banking. However, when the system fetched my address details, they were comically outdated.
(Back in 2018, when I got an Amazon Pay credit card, my Aadhaar card had that old address. Since then, I have changed my aadhaar address 4 times and even got other ICICI CCs ( in 2021 and 2023) using updated aadhaar addresses. )

Now the digital account opening form is not allowing me to edit the address stating that "this address is fetched from aadhaar". Moreover, for some reason, they have disabled to uncheck "Communication address will be same as Permanent address".

I complained to customer care and they are outright lying that address is fetched from Aadhaar (while it is clear that they are using my very old address from their own database). Also they are asking me to "visit the nearest ICICI Bank branch for opening a new account along with original Proof of ID, since your details already exists with ICICI bank". The reply is fairly stupid in this age of digital banking, they are saying that since I am an existing customer, I should visit the branch. This is opposite of what should normally happen.


Update on 19.06.2024

 

[Anupama_Jha]

A few days ago, I tried to open a new digital savings bank account with ICICI Bank. After entering my PAN details, I was informed that I was eligible for Wealth Banking. However, when the system fetched my address details, they were comically outdated.
(Back in 2018, when I got an Amazon Pay credit card, my Aadhaar card had that old address. Since then, I have changed my aadhaar address 4 times and even got other ICICI CCs ( in 2021 and 2023) using updated aadhaar addresses. )

Now the digital account opening form is not allowing me to edit the address stating that "this address is fetched from aadhaar". Moreover, for some reason, they have disabled to uncheck "Communication address will be same as Permanent address".

I complained to customer care and they are outright lying that address is fetched from Aadhaar (while it is clear that they are using my very old address from their own database). Also they are asking me to "visit the nearest ICICI Bank branch for opening a new account along with original Proof of ID, since your details already exists with ICICI bank". The reply is fairly stupid in this age of digital banking, they are saying that since I am an existing customer, I should visit the branch. This is opposite of what should normally happen.

ICICI online account opening has became trash now. Even worst than SBI or PNB.

Infact, while opening they put a cibil enquiry for personal loan also. F***king hellll

 

[Wealth is my birth right!]

ICICI online account opening has became trash now. Even worst than SBI or PNB.

Infact, while opening they put a cibil enquiry for personal loan also. F***king hellll

Savings account is asset and why they do CIBIL for a liability
Someone will fxcx them in consumer court sure

 

[Anupama_Jha]

Savings account is asset and why they do CIBIL for a liability
Someone will fxcx them in consumer court sure

I have tried atleast 5-6 times in past, and got everytime hard enquiry for personal loan.

And I didn't have time to email them, and later share whole credit report

 

[SSV]

ICICI online account opening has became trash now. Even worst than SBI or PNB.

Infact, while opening they put a cibil enquiry for personal loan also. F***king hellll

agreed ..

 

[ak95]

ICICI online account opening has became trash now. Even worst than SBI or PNB.

Infact, while opening they put a cibil enquiry for personal loan also. F***king hellll

Ohh yes.. right.. Completely forgot about that CIBIT hit part. Not sure why they do this and that too for a personal loan.
and even after pulling my cibil report, aadhaar/PAN details they are using some very very old address for opening the account.

I am 100% sure that branch people will ask me some random Initial Funding amount ... so there's no point of going to the branch.

 

[SSV]

Ohh yes.. right.. Completely forgot about that CIBIT hit part. Not sure why they do this and that too for a personal loan.
and even after pulling my cibil report, aadhaar/PAN details they are using some very very old address for opening the account.

I am 100% sure that branch people will ask me some random Initial Funding amount ... so there's no point of going to the branch.

This whole ICICI digital on-boarding saga is like a dogs breakfast...

 

[bigbyte]

This problem is on ICICI's end . They sent me the new card on my 14 year old address linked with credit card closed 15 years ago.

 

[Vasuki]

This whole digital on-boarding is like a a dogs breakfast in the case of ICICI...

Idfc

This problem is on ICICI's end . They sent me the new card on my 14 year old address linked with credit card closed 15 years ago.

That's idfc for me

 

[SSV]

This problem is on ICICI's end . They sent me the new card on my 14 year old address linked with credit card closed 15 years ago.

A classic art work of a fresh graduate doing programing in ICICI,
pulling the oldest address, instead of latest address..... just a guess from my side.

 

[ak95]

This problem is on ICICI's end . They sent me the new card on my 14 year old address linked with credit card closed 15 years ago.

It seems this problem is specifically linked to ICICI only.
In my case also, they are using the address that was used to get a Credit Card 6 years ago. I got more ICICI cards in 2021 (MMT which has another address) and 2022/2023 (sapphiro which has my latest address).

That very old address is now no longer present in my CIBIL report and my aadhaar.

 

[ak95]

This whole ICICI digital on-boarding is like a dogs breakfast...

ICICI has really messed up such a basic process.

I have opened HDFC, Axis (later closed), and IndusInd accounts completely online without ever facing such issues or needing to visit a branch. In all these banks, I already held a credit card, and in the case of HDFC and Axis, their records had my old address. But, after completing the Savings Account KYC, they updated my credit card address as well after linking.

 

[Anupama_Jha]

ICICI has really messed up such a basic process.

I have opened HDFC, Axis (later closed), and IndusInd accounts completely online without ever facing such issues or needing to visit a branch. In all these banks, I already held a credit card, and in the case of HDFC and Axis, their records had my old address. But, after completing the Savings Account KYC, they updated my credit card address as well after linking.

Yupp, the onboarding process of Axis and HDFC is much much better than ICICI

 

[varun__goel_]

Infact, while opening they put a cibil enquiry for personal loan also. F***king hellll

You must have give consent for enquiry while opening account

 

[Anupama_Jha]

You must have give consent for enquiry while opening account
View attachment 57852

Can we proceed ahead without checking it ?

 

[varun__goel_]

Can we proceed ahead without checking it ?

Obviously . .

 

[Wealth is my birth right!]

Unfortuanately until this someone comes... normal users are fcuked !!
We need INDIAN 2 to arrive soon !!

View attachment 57837

Soon on action…

 

[Anupama_Jha]

Obviously . .

Har jagah gyan pelne ki gandi aadat lag chuki hai. Gian hai aap

 

[varun__goel_]

Har jagah gyan pelne ki gandi aadat lag chuki hai. Gian hai aap
View attachment 57856View attachment 57857

Jara padh lo dono mein kya likha hai

Ye step funding option se phle aata hai

"Padhne se pehle gyan pelne ki gandi aadat lag chuki hai. Gian hai aap"

Jaake school mein admission lelo, zarurat lag rhi hai

 

[VISHESH_BANSAL]

Jara padh lo dono mein kya likha hai

Ye step funding option se phle aata hai

Jaake school mein admission lelo, zarurat lag rhi hai

Hmm sahi kha rahe ho, Without Tncs read kiye Checkbox tick karne ki Gandi aadat phir bina mtlab Bank ko kosna ki btaya nhi thha ki aur gandi aadat