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Wrong credit enquiries by ICICI bank. How do I remove them?

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suhailmz

TF Premier
Hello,
I can see 2 enquiries in my report by ICICI bank which doesn’t make sense. I tried to apply for a savings account online today & there was some technical issue with the website, hence I called their helpline & somehow it got transferred to their loan department. I told the executive very clearly that I’m not looking for any loan & he transferred my call to accounts department. I was shocked to see this loan enquiry on my report today. Also, there seems to be another enquiry for credit card, which am not aware of.
Please suggest how to remove these enquiries as I don’t want my credit score to decline unnecessarily.

@StanRoute66 @TechnoFino please help
 
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suhailmz said:
Hello,
I can see 2 enquiries in my report by ICICI bank which doesn’t make sense. I tried to apply for a savings account online today & there was some technical issue with the website, hence I called their helpline & somehow it got transferred to their loan department. I told the executive very clearly that I’m not looking for any loan & he transferred my call to accounts department. I was shocked to see this loan enquiry on my report today. Also, there seems to be another enquiry for credit card, which am not aware of.
Please suggest how to remove these enquiries as I don’t want my credit score to decline unnecessarily.
Click to expand...
+1
 
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suhailmz said:
I reached out to ICICI over call and they initially declined to help. After some pushback, they told me to send an email with the cibil report screenshot and their backend team will help and resolve this. Let's see.
Click to expand...
To me also, they said same thing. When I shared screenshot, they asked me to share full cibil report in pdf. I declined that, as it contains many credit card numbers as well.

Now raised to rbi ombudsman 😅.
 
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Harry1 said:
To me also, they said same thing. When I shared screenshot, they asked me to share full cibil report in pdf. I declined that, as it contains many credit card numbers as well.

Now raised to rbi ombudsman 😅.
Click to expand...
Oh man, looks like they might ask the same thing to me. What’s your progress on RBI complaint?
@TechnoFino Can you please make a video on this as lot people are seeking help on this topic?
 
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Harry1 said:
To me also, they said same thing. When I shared screenshot, they asked me to share full cibil report in pdf. I declined that, as it contains many credit card numbers as well.

Now raised to rbi ombudsman 😅.
Click to expand...
You are allowed to share the full Credit Card report. If it is any 3rd party, then they will not accept it. It will be written in mail.
Just tell them that you do not have a subscription and hence ICICI needs to fetch the CIBIL report on your behalf. There will not be a hard enquiry for this.

I had closed 2 Secured ICICI cards in Nov 2021, but it was still shown as active till 2022. In May 2022, I told them to close. At that time, I had not purchased the CIBIL subscription, so, I used to rely on HDFC & SBI free monthly CIBIL report. After that, ICICI denied. I simply wrote them that I haven't subscribed to CIBIL report, and that ICICI needs to fetch the report on my behalf. 1-2 days later, I got a call, and the agent pulled my report (no hard enquiry) and updated the CIBIL report with card closure within a few days.

If you have not applied for any loan or card, and there was an enquiry, tell them to remove the enquiries or you will escalate to RBI.

Email - customer.care@icicibank.com
 
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AsishB said:
You are allowed to share the full Credit Card report. If it is any 3rd party, then they will not accept it. It will be written in mail.
Just tell them that you do not have a subscription and hence ICICI needs to fetch the CIBIL report on your behalf. There will not be a hard enquiry for this.

I had closed 2 Secured ICICI cards in Nov 2021, but it was still shown as active till 2022. In May 2022, I told them to close. At that time, I had not purchased the CIBIL subscription, so, I used to rely on HDFC & SBI free monthly CIBIL report. After that, ICICI denied. I simply wrote them that I haven't subscribed to CIBIL report, and that ICICI needs to fetch the report on my behalf. 1-2 days later, I got a call, and the agent pulled my report (no hard enquiry) and updated the CIBIL report with card closure within a few days.

If you have not applied for any loan or card, and there was an enquiry, tell them to remove the enquiries or you will escalate to RBI.

Email - customer.care@icicibank.com
Click to expand...
Thanks Sir. This is very helpful. I am going to give it a try.
 
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AsishB said:
You are allowed to share the full Credit Card report. If it is any 3rd party, then they will not accept it. It will be written in mail.
Just tell them that you do not have a subscription and hence ICICI needs to fetch the CIBIL report on your behalf. There will not be a hard enquiry for this.

I had closed 2 Secured ICICI cards in Nov 2021, but it was still shown as active till 2022. In May 2022, I told them to close. At that time, I had not purchased the CIBIL subscription, so, I used to rely on HDFC & SBI free monthly CIBIL report. After that, ICICI denied. I simply wrote them that I haven't subscribed to CIBIL report, and that ICICI needs to fetch the report on my behalf. 1-2 days later, I got a call, and the agent pulled my report (no hard enquiry) and updated the CIBIL report with card closure within a few days.

If you have not applied for any loan or card, and there was an enquiry, tell them to remove the enquiries or you will escalate to RBI.

Email - customer.care@icicibank.com
Click to expand...
Escalation: headcreditcards@icicibank.com
 
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suhailmz said:
well, 'Sir' was just for sarcasm since you explained the issue in detail 😀
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But honestly, the ICICI folks suck. I was about to apply for SBI HPCL card & IDFC wealth and these guys messed up with the credit enquiries. Now I don't want my CIBIL to be flooded with enquiries so will have to hold on applying for new products till they remove the enquiries.
 
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Some years ago Amex did this to me , They had my city in serviceable list but after I applied, they removed it but my city was still showing on their website .
I simply took a screenshot of it told them either issue me the card or remove enquiry they removed enquiry in 7days .
 
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roshancc said:
Some years ago Amex did this to me , They had my city in serviceable list but after I applied, they removed it but my city was still showing on their website .
I simply took a screenshot of it told them either issue me the card or remove enquiry they removed enquiry in 7days .
Click to expand...
Lucky it was Amex. They have excellent Customer Support. Which is why they fixed it responded.
 
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