Case studies / ICICI Bank / 2025
Not maintainable
Re-filing a complaint already rejected on merits
Bank · Credit report · duplicate
- Complaint no.
- N202526023262997
- Against
- ICICI Bank
- Filed
- 19 Jul 2025
- Closed
- 31 Jul 2025
- Time taken
- 12 days
- Scheme
- RB-IOS 2021
- Closure clause
- 10(2)(b)(i)
- Did it help?
- My own mistake
- Compensation
- None
What happened
Three days after the add-on card complaint was rejected, I filed it again, this time with the credit report.
What the entity said
Not asked to respond.
What the Ombudsman decided
Closed at intake: the same cause of action had already been dealt with on merits.
My own mistake
Did the Ombudsman help?
My mistake, though it shows the trap: the first complaint was rejected for a missing document, and there is no way to supply it afterwards.
What I took from it
Once a matter is decided on merits you cannot re-file it, even with better evidence. Put your best evidence in the first time, and in the rebuttal round.
Related complaints
- Unused add-on card reported as an active account (ICICI Bank, 2025) Rejected
Summarised from the RBI closure letter and my own correspondence. Names of individuals, account numbers and reference numbers other than the complaint number have been removed.