icici made hard enquiry (without consent) in cibil for personal loan, when applied for credit card

[ltf4ever]

i had applied for my 2nd credit card from icici through their website. but due to 6 or 7 documents that they wanted me to submit, i let the application go stale.

i received an sms from icici that if i consent to icici doing a cibil enquiry, i should reply to a certain phone number, which I didn't do.

but i checked my cibil yesterday and found that icici made a hard enquiry for 150000 under personal loan.

1. I want to confirm if the enquiry seen in the report is hard or soft, as it does not mention the type there.

2. also, if i had not consented, how did icici make this enquiry?

i have already raised a dispute with cibil, but should I also escalate this to icici management?

 

[Digvijay]

My CIBIL report also shows ICICI enquiry as PL instead of CC that too mine was a pre approved offer from imobile app.
Hope they have user access for PL which seems less charged than CC query login not sure but.

My inquiry was random as I did not have any pre-approved card offers, and no question of applying to one.

 

[Wealth is my birth right!]

My inquiry was random as I did not have any pre-approved card offers, and no question of applying to one.

Then pls report in cibil itself options there for disputing

 

[ltf4ever]

Then pls report in cibil itself options there for disputing

that dispute form is useless. cibil replies to you saying contact bank and ask the bank to send a correction to cibil. i had tried that.

 

[Wealth is my birth right!]

that dispute form is useless. cibil replies to you saying contact bank and ask the bank to send a correction to cibil. i had tried that.

Looks like a ball game then how to get it solved

 

[ltf4ever]

Looks like a ball game then how to get it solved

rbi ombudsman. i am waiting till 30 days are over to complain to rbi.

 

[Wealth is my birth right!]

rbi ombudsman. i am waiting till 30 days are over to complain to rbi.

OK pls share ur final outcome which will help for those who're screwed by ICICI like this in irrelevant CIBIL enquiry

 

[kshitij_0]

rbi ombudsman. i am waiting till 30 days are over to complain to rbi.

Please share your experiences brother and other people as well. I also want to remove 3 enquiries for 1 LE and that too unsuccessful and now they want me to purchase CIBIL Subscription.
ICICI and HDFC and Axis and BOB have become so customer unfriendly banks. SBI Cards and IDFC are working way better than them
If they can learn 50% from Amex what is called the real service, then they will have much better customer base.

 

[Batmanbaba]

Complaint..... On headservicequality@icicibank.com
And headcreditcards@icicibank.com

Got my 3 enquiries removed like that.... Two for unsuccessful application and ine for successful application.... So In the end got a card without any cibil hit... All enquiries removed as they were for loan and I applied for credit card.... The whole process will take sweet 15-25 days.....

 

[Akashn]

got this reply from their normal escalation process:
"Dear Customer,

we inform you that we had sent the request to CIBIL for enquiry details and it will take 5 days time to response.
Hence, we request you to write us back after mentioned time period to assist you further"

did you receive any such kind of email?

cibil is asking me to contact Bank, bank is telling they have asked cibil. i dont know what's happening.

i even sent emails to their senior management but they have not responded at all even to my follow up emails.

I recieved same response after 15 days. What happened after this?

 

[ltf4ever]

I recieved same response after 15 days. What happened after this?

I kept following up, sending emails on the deadline that they had set (they forget).
in the end, they removed the enquiry.

 

[Akashn]

I kept following up, sending emails on the deadline that they had set (they forget).
in the end, they removed the enquiry.

Okay. I'll do the same

 

[hs23]

Following up with ICICI for past 2 months, now escalating to senior management.