Issue Resolved ICICI Duplicate Credit Enquiry Issue (Received Compensation ~65Days)

[CarbonLogic]

Hello Folks,

I was just checking my CIBIL report on onescore and it's showing there are 2 credit inquiries by ICICI. One on 15th August and other on 16th August.

I had applied for the AmazonPay ICICI card on 15th which was approved on 18th and I received it on 20th. I had also received 2 SMS on the same day stating that Credit Enquiry was done but I dismissed it thinking the SMS was sent twice by mistake or glitch but turns out I got 2 sms because of 2 enquiries.

As of this report (7th September), my AmazonPay ICICI card is not yet reported in the CIBIL or Experian account. It will probaly update on 15th or 30th September.

Should I dispute the second enquiry made on 16th August with CIBIL? Or message ICICI and ask them to remove the one on 16th?

 

[hender]

Hello Folks,

I was just checking my CIBIL report on onescore and it's showing there are 2 credit inquiries by ICICI. One on 15th August and other on 16th August.

I had applied for the AmazonPay ICICI card on 15th which was approved on 18th and I received it on 20th. I had also received 2 SMS on the same day stating that Credit Enquiry was done but I dismissed it thinking the SMS was sent twice by mistake or glitch but turns out I got 2 sms because of 2 enquiries.

As of this report (7th September), my AmazonPay ICICI card is not yet reported in the CIBIL or Experian account. It will probaly update on 15th or 30th September.

Should I dispute the second enquiry made on 16th August with CIBIL? Or message ICICI and ask them to remove the one on 16th?

View attachment 109240

Better is first take the route of ICICI.

 

[harsh_ujjwal]

Ask ICICI cc care to remove duplicate enquiry. There should be only one enquiry fr one credit product.

 

[hender]

Hello Folks,

I was just checking my CIBIL report on onescore and it's showing there are 2 credit inquiries by ICICI. One on 15th August and other on 16th August.

I had applied for the AmazonPay ICICI card on 15th which was approved on 18th and I received it on 20th. I had also received 2 SMS on the same day stating that Credit Enquiry was done but I dismissed it thinking the SMS was sent twice by mistake or glitch but turns out I got 2 sms because of 2 enquiries.

As of this report (7th September), my AmazonPay ICICI card is not yet reported in the CIBIL or Experian account. It will probaly update on 15th or 30th September.

Should I dispute the second enquiry made on 16th August with CIBIL? Or message ICICI and ask them to remove the one on 16th?

View attachment 109240

BTW, many congratulations 🎉 for new card , it's a good card and LTF as well.

 

[CarbonLogic]

Better is first take the route of ICICI.

Ask ICICI cc care to remove duplicate enquiry. There should be only one enquiry fr one credit product.

Alright, thank you!

I was trying to look on ICICI website for their customer support email but not able to find one. However I have found their Complaint section Shall I proceed on there? Additionally should I tag them on Twitter?

 

[hender]

Reply comes from - careamazonpaycc@icicibank.com

Alright, thank you!

I was trying to look on ICICI website for their customer support email but not able to find one. However I have found their Complaint section Shall I proceed on there? Additionally should I tag them on Twitter?

Yes , You can approach
+
help.amazonpaycc@icicibank.com
Customer Care on 1800 102 0123

Customer Feedback, Grievance Redressal & Criticism - ICICI Bank

Dear valued ICICI Bank customer, if you have any feedback or complaints, feel free to write to us and we will strive to perform to the best of your expectation

www.icicibank.com

 

[6ix9ine]

Send direct email to PNO, If not resolved, then go for RBIO.

pno@icicibank.com

 

[CarbonLogic]

Reply comes from - careamazonpaycc@icicibank.com

Yes , You can approach
+
help.amazonpaycc@icicibank.com
Customer Care on 1800 102 0123

Send direct email to PNO, If not resolved, then go for RBIO.

pno@icicibank.com

Thanks, I have sent them mail using their online complaint form:

"We have received your complaint through SR106945**** and will update you on your registered e-mail ID in 2 working days - ICICI Bank."

Will keep everyone updated.

 

[CarbonLogic]

Its now been 2 days already as per their message. However I have received no communication from them. Infact I did not even receive an Email acknowledgement of the complaint registered. So if you did not screenshot your SR number, there is no way to get back to it without calling up Customer care and manually asking them to provide details of the complaint registered in your account.

Tried to escalate to Level 2 and now it shows me that resolution time is upto 22nd September... like WTF?

 

[6ix9ine]

Its now been 2 days already as per their message. However I have received no communication from them. Infact I did not even receive an Email acknowledgement of the complaint registered. So if you did not screenshot your SR number, there is no way to get back to it without calling up Customer care and manually asking them to provide details of the complaint registered in your account.

Tried to escalate to Level 2 and now it shows me that resolution time is upto 22nd September... like WTF?

View attachment 109545

This is just one of the reasons why I mentioned sending it directly to PNO instead of going through the lower levels 😅

Anyway, time is money in your case. Let them take their time, you can request compensation for the delay. They will have to pay for it eventually.

 

[CarbonLogic]

This is just one of the reasons why I mentioned sending it directly to PNO instead of going through the lower levels 😅

Anyway, time is money in your case. Let them take their time, you can request compensation for the delay. They will have to pay for it eventually.

I realize that now, but if compensation is involved, then I am getting a little excited.
I have pulled up this thread for reference.

 

[CarbonLogic]

Hey folks!

So theres an update, finally today received email from ICICI that they have rectified and removed the unauthorized additional enquiry that was done on 16th August 2025

Timeline:

1. Had applied for AmazonPay ICICI on 15th August 2025 for which CIBIL enquiry was done
2. Next day another enquiry was made on my CIBIL account on 16th August 2025 for no apparent reason, thinking that it was probably a mistake and will resolve itself I let it go
3. Fast forward to 7th September, noticed that its still there, so made this post and registered complaint with ICICI
4. After passage of 30 days, registered complaint with RBI on 16th October 2025 demanding resolution with compensation of 15,000
5. Fast forward to today 12th Novemeber 2025, issue was resolved with removal of the additional query.

My question:
1. Should I withdraw the complaint on the RBI portal? No one from ICICI/RBI has yet contacted me regarding the situation.
2. Would it be a good idea to press for the compensation and will it be successful? Any important things I would have to keep in mind if proceeding with pushing forward? I have not asked ICICI to provide compensation in the emails, its only through RBI.

 

[Kabir_1112]

Icici bank is slow, but things will get done. After cibil complain send an email to customer care, head quality service mentioning the cibil dispute number.

 

[6ix9ine]

My question:
1. Should I withdraw the complaint on the RBI portal? No one from ICICI/RBI has yet contacted me regarding the situation.

Nope

2. Would it be a good idea to press for the compensation and will it be successful?

Yes

Any important things I would have to keep in mind if proceeding with pushing forward? I have not asked ICICI to provide compensation in the emails, its only through RBI.

I think there is a circular from RBI or CIBIL regarding this, any delay in removing inquiry or something like that results in 100/day compensation. Find that and ask them compensation as per this circular.

If they deny on email, let them know that you will be filling RBIO complaint and ask a hefty compensation instead.

 

[CarbonLogic]

I think there is a circular from RBI or CIBIL regarding this, any delay in removing inquiry or something like that results in 100/day compensation. Find that and ask them compensation as per this circular.

If they deny on email, let them know that you will be filling RBIO complaint and ask a hefty compensation instead.

Thanks!

Yes theres this: https://www.cibil.com/content/dam/cibil/consumer/compensation/Framework-for-Compensation.pdf

But since I approached bank directly not sure if they are going to compensate.
If I had gone through CIBIL then Cibil would have taken care of the timeline.
Already complaint is registered on RBI CMS in which I have provided the SR number of ICICI and email communications as well.

So do I wait for some response from RBI / ICICI regarding RBI complaint or do I send a separate Email to ICICI in which case they dont seem to have a separate email listed on website but I have been receiving the email communication from customersupport@icicibank.com, then regarding CIBIL correction I received 2 emails from customer.care@icicibank.com and CUSTOMERSERVICE@icicibank.com

Should I reply in the email chain that was already ongoing?

 

[6ix9ine]

Thanks!

Yes theres this: https://www.cibil.com/content/dam/cibil/consumer/compensation/Framework-for-Compensation.pdf

But since I approached bank directly not sure if they are going to compensate.
If I had gone through CIBIL then Cibil would have taken care of the timeline.
Already complaint is registered on RBI CMS in which I have provided the SR number of ICICI and email communications as well.

So do I wait for some response from RBI / ICICI regarding RBI complaint or do I send a separate Email to ICICI in which case they dont seem to have a separate email listed on website but I have been receiving the email communication from customersupport@icicibank.com, then regarding CIBIL correction I received 2 emails from customer.care@icicibank.com and CUSTOMERSERVICE@icicibank.com

Should I reply in the email chain that was already ongoing?

Personally, I have never faced any CIBIL issues, so I can’t say for sure. But I’ll tag @mailmenow since he recently faced a similar issue and might be able to help you out.

Sorry for the delayed response, I’ve been inactive lately.

 

[mailmenow]

Personally, I have never faced any CIBIL issues, so I can’t say for sure. But I’ll tag @mailmenow since he recently faced a similar issue and might be able to help you out.

Sorry for the delayed response, I’ve been inactive lately.

I faced agent threatening to close my card if I don't accept the saffiro upgrade. Regarding the double enquiry first you just raise a dispute with cibil only. If it's a case of axis Bank credit card I can give you 100% assurance that cibil will remove axis enquiry even the original one also. Because I applied for my axis credit card manually 3 times in total. But when I applied my Airtel card I got double enquiry. I raised it with cibil . Cibil removed the duplicate+original enquiry also. Regarding the rest of the two I again raised the dispute by stating that it's an unauthorised enquiry, actually not. They removed all axis enquiries. In my experience I removed almost 8-9 enquiries from cibil+experience which all are genuine like axis, bob ,kgb bank . But the thing is that sometimes the genuine enquiry may not be reflected in cibil internal system. That's our key. But about icic I raised earlier but failed. So my suggestion is to raise it with cibil. Then with bank. Bank will surely remove the duplicate enquiry

 

[CarbonLogic]

Update:

Received call on 18th November 2025 from ICICI Escalation Team. They referenced my RBI complaint regarding the Duplicate Enquiry and told me that they will be providing Rs 3500 compensation which checks out as they have delayed ~35 days beyond the first 30 days after I registered complaint on 7th September 2025. (35*100/day) (although I had demanded 15k in the complaint for mental agony xD)

Interestingly they said that they were not able to fetch the details for the CIBIL Enquiry that was made on 16th August 2025 which was the additional duplicate enquiry. And to this they said they are providing the compensation as a service gesture which sort of tells me that its not exactly penalty they are paying to me but rather hush hush money. The compensation was credited directly to my Credit Card

They have also sent me the updated CIR which shows the removal/suppression of the entry.

Today on 19th November 2025 I checked the iMobile app and it shows SERVICE CREDIT of 3500.
Prior to this I had spent Rs 463 out of the 50k limit I have, now the limit shows as -3037 used, 53037 available
Assuming bill is generated right now, my amount due is going to be 0 right?

I dont have the need to transfer this money out to a bank account so its fine to leave it as is.

@6ix9ine @mailmenow

Now back to chasing Axis for rejecting my Airtel Axis CC application without KYC because they asked me on phonecall for 2 years ITR but I had only 1 year ITR even though this fact is not mentioned anywhere on their website.

 

[mailmenow]

Update:

Received call on 18th November 2025 from ICICI Escalation Team. They referenced my RBI complaint regarding the Duplicate Enquiry and told me that they will be providing Rs 3500 compensation which checks out as they have delayed ~35 days beyond the first 30 days after I registered complaint on 7th September 2025. (35*100/day) (although I had demanded 15k in the complaint for mental agony xD)

Interestingly they said that they were not able to fetch the details for the CIBIL Enquiry that was made on 16th August 2025 which was the additional duplicate enquiry. And to this they said they are providing the compensation as a service gesture which sort of tells me that its not exactly penalty they are paying to me but rather hush hush money. The compensation was credited directly to my Credit Card

They have also sent me the updated CIR which shows the removal/suppression of the entry.

Today on 19th November 2025 I checked the iMobile app and it shows SERVICE CREDIT of 3500.
Prior to this I had spent Rs 463 out of the 50k limit I have, now the limit shows as -3037 used, 53037 available
Assuming bill is generated right now, my amount due is going to be 0 right?

I dont have the need to transfer this money out to a bank account so its fine to leave it as is.

@6ix9ine @mailmenow

Now back to chasing Axis for rejecting my Airtel Axis CC application without KYC because they asked me on phonecall for 2 years ITR but I had only 1 year ITR even though this fact is not mentioned anywhere on their website.

Good to hear ..!!! Actually raising the enquiry with itself will remove duplicate enquiry easily. You can raise the concern with axis also for the exact rejection reason.

 

[CarbonLogic]

Good to hear ..!!! Actually raising the enquiry with itself will remove duplicate enquiry easily. You can raise the concern with axis also for the exact rejection reason.

Yes I realized that much later that its better to go through CIBIL's dispute system because it then becomes their responsibility to get the resolution within 30 days otherwise either the bank or cibil or both will have to pay the compensation