Bank admits my email was linked to someone else's home loan

Bank · Credit enquiry · wrong-email compensation

Complaint no.: N202627016011873
Against: ICICI Bank
Filed: 7 Jul 2026
Closed: 3 Aug 2026
Time taken: 27 days
Scheme: RB-IOS 2026
Closure clause: 14(8)(e)
Did it help?: Helped
Compensation: ₹5,000

What happened

A home-loan enquiry alert for a loan I had not applied for.

What I asked the Ombudsman for

Remove the linkage, explain how it happened, and compensate.

What the entity said

The bank confirmed my email had been erroneously linked to a third party's account, fixed it on 27 July 2026, expressed regret for the "data privacy overlap" and offered ₹5,000. Its Internal Ombudsman reviewed and agreed.

My reply to the entity's response

I acknowledged the fix and asked how an unverified email came to be linked to a home-loan application.

Did the closure deal with it? No.

What the Ombudsman decided

Primary grievance resolved; the rest either outside the Scheme or not meriting further consideration. Closed in 27 days.

Helped

Did the Ombudsman help?

Yes on the outcome, which came from the bank's own admission. My reply was recorded as "reiterated his original complaint" and the remaining questions were closed in one sentence.

What I took from it

When the facts are simple and documented, banks often settle before the Ombudsman has to decide. Ask for a specific remedy: remove the linkage, confirm in writing, compensate.

Related complaints

Loan enquiry alerts for strangers arriving at my email (TransUnion CIBIL, 2026) 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.