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 However, when the system fetched my address details, they were comically outdated.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

 

[bigbyte]

Koi bhi Gyani saral bhasha mei explain karega ki screen shot se kya nishkarsh nikalta hai?

 

[Shubham Yadav]

Koi bhi Gyani saral bhasha mei explain karega ki screen shot se kya nishkarsh nikalta hai?

Yahi ki icici mai account khulwao hi mat

 

[Anupama_Jha]

Jara padh lo dono mein kya likha hai

Ye step funding option se phle aata hai😂

It's the first page for account opening.

Secondly, just after entering OTP a cibil hit is done.

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

Jaake school mein admission lelo, zarurat lag rhi hai😔

Vivad ho jayega 🥲

 

[varun__goel_]

It's the first page for account opening.

Secondly, just after entering OTP a cibil hit is done.


Viavd ho jayega 🥲

Jo sunne na usse samjhane mein apne samay vyarth nhi karna chahuga😁

 

[Anupama_Jha]

Jo sunne na usse samjhane mein apne samay vyarth nhi karna chahuga😁

Ha ha kyon nahi. Live with ur belief😜

 

[ak95]

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😔

Don't want to argue on what happened to others.
But in my case, CIBIL hit happened just after entering the OTP in the first page itself.
Like I said, there was some issue with address so reaching the page that you mentioned never even happened with me.

 

[Anupama_Jha]

Don't know or argue on what happened to others.
But in my case, CIBIL hit happened just after entering the OTP in the first page itself.
Like I said, there was some issue with address so reaching the page that you mentioned never even happened with me.

Shutttt up😤, we both are lying.

Varun is right, we needs to go school🎒

 

[ak95]

Yahi ki icici mai account khulwao hi mat

Ladai jhagda vivaad ...wo sab toh hota rahega ...



Lekin actual answer to yehi hai iss thread ka

icici mai account khulwao hi mat

 

[bigbyte]

Don't want to argue on what happened to others.
But in my case, CIBIL hit happened just after entering the OTP in the first page itself.

Account open karne ke liye CIBIL hit?
Did I miss something??

 

[SSV]

Account open karne ke liye CIBIL hit?
Did I miss something??

You miss geniusness of ICICI thinktank..

 

[bigbyte]

Sab samajhbmei aa gaya after carefully reading everything.
No one is wrong here.
Jha ji you are right that there was a CIBIL hit at first page but goel Saab is also right when he says that you provided your concurrence for it.

 

[ak95]

Account open karne ke liye CIBIL hit?
Did I miss something??

A CIBIL hit for "Personal Loan".
ICICI upper management thinking "Account mei paise kahan se aayenge ... account open karne ke baad personal loan toh lena hi padega na"

 

[ak95]

Sab samajhbmei aa gaya after carefully reading everything.
No one is wrong here.
Jha ji you are right that there was a CIBIL hit at first page but goel Saab is also right when he says that you provided your concurrence for it.

Yes.
Also you can't proceed without authorizing the CIBIL hit in the first page. So there's no way around.

 

[bigbyte]

Yes.
Also you can't proceed without authorizing the CIBIL hit in the first page. So there's no way around.

TnC waale pop details mei jaao and wahan star marked credit bureau consent mei NO karke dekho.
Haven't tried myself, just a guess looking at the screenshots.

 

[Anupama_Jha]

TnC waale pop details mei jaao and wahan star marked credit bureau consent mei NO karke dekho.
Haven't tried myself, just a guess looking at the screenshots.

There's a single tick, without which u can't proceed ahead.

 

[Anupama_Jha]

No one is wrong here.
Jha ji you are right that there was a CIBIL hit at first page but goel Saab is also right when he says that you provided your concurrence for it.

He's saying 💯 % wrong

Obviously . .

Can we proceed ahead without checking it ?

 

[bigbyte]

There's a single tick, without which u can't proceed ahead.

Abhi check Kiya, it seems you can NOT avoid a CIBIL hit while opening a Digital savings account because of two reasons:
1. You provided consent for it ( in Tnc it is mentioned).
2. This digital savings account is bundled with a pre approved personal loan. To arrive at your eligibility they make CIBIL hit.

 

[ak95]

TnC waale pop details mei jaao and wahan star marked credit bureau consent mei NO karke dekho.
Haven't tried myself, just a guess looking at the screenshots.

Ignore that screenshot ... that screenshot is from Step 6 ... I never even crossed Step 4.


Here's the screenshot of First page ... you cannot bypass this.

 

[Anupama_Jha]

Abhi check Kiya, it seems you can NOT avoid a CIBIL hit while opening a Digital savings account because of two reasons:
1. You provided consent for it ( in Tnc it is mentioned).
2. This digital savings account is bundled with a pre approved personal loan. To arrive at your eligibility they make CIBIL hit.

Ignore that screenshot ... that screenshot is from Step 6 ... I never even crossed Step 4.


Here's the screenshot of First page ... you cannot bypass this.

Just shut up 😤, varun ke kaha hai to kuch soch samajh ke hi kaha hoga.

We needs to go school🎒

 

[bigbyte]

Goel Saab ne tau bas itna hee kaha ki consent provide Kiya hai. Bina consent ke CIBIL hit nahin hua hai. Haan you can avoid it mei probably he was wrong.
Koi baat nahi. Jhai ji 1 Goel ji 1
Ladai ladai maaf Karo kutte ki ta**I saaf Karo.