Incorrect hard enquiry of loan by ICICI (for credit card)

[pjain2712]

Hello, I had received pre-approved ICICI Sapphiro card last year (Q1 of 2022) as I had salary account with them and it was unconditional LTF so had applied. Card is generated instantly as well but I see the same card limit amount is showing in my CIBIL as Personal Loan, is it expected?
Does it make sense to report this now to ICICI and get it removed or should I ignore as it is old enquiry? Please advise.

 

[Anil_Singh]

I dont have any tools to edit pdf

Take a scrolling screenshot from google chrome. Edit it. Attach edited image. If they specifically mentioned pdf then you have no choice but to upload un-edited report if you don't have any tools to edit pdf.

 

[pjain2712]

You can share your full unedited credit report with the Banks. They already have your full credit report when that enquiry had occurred in your CIBIL report. Banks ask for your credit report just to be sure that the original person to whom that credit report belongs is sharing his credit report and not someone else on his behalf. You are sharing your credit report directly to the bank and not to any 3rd party person so it is 100% safe to share full report.

okay, thanks

 

[pjain2712]

Received below response from ICICI:

Dear Customer,

With reference to your e-mail we inform you that we have initiated request for cibil suppression and this going to process within in a 7 working days and it is subject to approval. We request you to write us after 7 working days .

 

[pjain2712]

Received below response from ICICI:

Dear Customer,

With reference to your e-mail we inform you that we have initiated request for cibil suppression and this going to process within in a 7 working days and it is subject to approval. We request you to write us after 7 working days .

Will it be removed from all credit bureaus or not?

 

[Anil_Singh]

Will it be removed from all credit bureaus or not?

Only CIBIL.

 

[pjain2712]

Only CIBIL.

Should I mention to remove from other credit bureau also?

 

[Anil_Singh]

Should I mention to remove from other credit bureau also?

Yes. They will ask you to send those bureau reports.

 

[pjain2712]

Yes. They will ask you to send those bureau reports.

Oh I have only CIBIL subscription then

 

[amitalpha]

is it worth to complaint for an incorrect hard inquiry and ask the ICICI to reverse it?

 

[Patil007]

is it worth to complaint for an incorrect hard inquiry and ask the ICICI to reverse it?

Yes. do it.

 

[Akashn]

Received below response from ICICI:

Dear Customer,

With reference to your e-mail we inform you that we have initiated request for cibil suppression and this going to process within in a 7 working days and it is subject to approval. We request you to write us after 7 working days .

where did you complain and how did you get cibil report with cibil subscription? do they accept third party report?

 

[cryoengine]

how long does ICICI customer care take to reply? it's been a few days, also there is no receipt like an acknowledgment of my complaint. Is this normal?

 

[pjain2712]

where did you complain and how did you get cibil report with cibil subscription? do they accept third party report?

I have raised complaint thru email customersupport@icicibank.com and I have purchased CIBIL subscription so downloaded pdf report same from CIBIL website and shared it.

 

[SamPtnk]

ICICI is asking for credit report, is it fine to share?

Its fine to share they already have all our details
Just share via email

 

[Trust Me]

I have raised complaint thru email customersupport@icicibank.com

I've sent email complaint against false Personal Loan enquiries to customer.care@icicibank.com with cc to senior.management. Wasn't even aware of customersupport@icicibank.com. (Knew about pbsupport@icicibank.com, but that doesn't work anymore!)

I had attached the CRN + just the relevant parts of the CIBIL report.

After a couple of days received a template response from customer.care@icicibank.com asking for the CIBIL report plus a whole bunch of other info that the Bank should already have in their records! Evidently nobody even read my mail before shooting off a canned response!

I ignored it, because thankfully somebody had also forwarded my mail to customersupport@icicibank.com, and they responded concurrently asking for 5 working days. After 8 days they informed me that they had sent a removal request to CIBIL, and it should take another 10 - 15 days to reflect. They hadn't even asked for anything beyond whatever I had attached with my original complaint!

I don't know what purpose the address customer.care@icicibank.com serves!

 

[panu24]

I've sent email complaint against false Personal Loan enquiries to customer.care@icicibank.com with cc to senior.management. Wasn't even aware of customersupport@icicibank.com. (Knew about pbsupport@icicibank.com, but that doesn't work anymore!)

I had attached the CRN + just the relevant parts of the CIBIL report.

After a couple of days received a template response from customer.care@icicibank.com asking for the CIBIL report plus a whole bunch of other info that the Bank should already have in their records! Evidently nobody even read my mail before shooting off a canned response!

I ignored it, because thankfully somebody had also forwarded my mail to customersupport@icicibank.com, and they responded concurrently asking for 5 working days. After 8 days they informed me that they had sent a removal request to CIBIL, and it should take another 10 - 15 days to reflect. They hadn't even asked for anything beyond whatever I had attached with my original complaint!

I don't know what purpose the address customer.care@icicibank.com serves!

It depends on bank and the people working on your complaint. For some people partial report also worked in removal of cibil enquiry, some send it unedited that also works.
For icici first level support email id is customer.care@icicibank.com

 

[Trust Me]

For icici first level support email id is customer.care@icicibank.com

In my experience this address has been pretty much useless. The staff are usually not properly trained, and often seemingly unqualified, unable to comprehend the subject matter, providing irrelevant and nonsensical responses.

Of course, the silver lining may be that it could give hope to some people that no one is unemployable.

 

[SSV]

In my experience this address has been pretty much useless. The staff are usually not properly trained, and often seemingly unqualified, unable to comprehend the subject matter, providing irrelevant and nonsensical responses.

Of course, the silver lining may be that it could give hope to some people that no one is unemployable.

I second this opinion. They are basically first year graduates who can speak some language. It is even worse the situation is same with Wealth Banking Support also.
However I found calling Apay CC support number is preferable and the staff there are better. To my surprise he responded to me "Welcome to ICICI Wealth" even though I called Apay support. Means, Apay support team was selected with inputs from Amazon and they serve other CCs also based on customer relationship level...

 

[Trust Me]

However I found calling Apay CC support number and the staff there are better..

But they can't help with anything other than the Apay CC, can they?

 

[SSV]

But they can't help with anything other than the Apay CC, can they?

I too thought so, but they can help with other CCs also based on the relationship level... See my above post I have added my experience with them