[Resolved]  Citibank / Cash Back Credit Card — Faulty CIR from CIBIL because CitiBank didn't update CIBIL properly

Address:

Pune, Maharashtra

I am using CitiBank Cash Back credit card since 2008. Later my old credit card was replaced to CitiBank Titanium cash Back credit card as CitiBank was offering to get it replaced from my old cash back credit card without any extra cost or hidden charge. And if I have had any outstanding balance then all will be updated to my new credit card. Here I would like to mention here that I cleared all my outstanding balance before using my new credit card and i didn't default even for a single payment. Once replaced I was informed that my old credit card is closed and also on my CitiBank online account my old credit card is showing as closed.

All seems to be OK to me until 23-Feb-2012. But on 23-feb-2012 I received CIBIL report and to my utter surprise it's showing outstanding balance of Rs. 27005 under my old credit card although it's cleared fully anf finally.

Now I want CitiBank to provide me a proper and detailed justification as to why this is so and why they did a grave mistake to this. As we all know this CIBIl report has a great impact if I apply for any kind of loan. Coincidently I applied for Home Loan in some other bank and they raised this concern and I have no clue.

Is this the way to reward customer who never dafaulted in credit card payment. CitiBank will never be able to raise a single point about my credit card usage and payments.

Here is a portion of my CIBIL report(Control Number : 5X,XX,XX,X54):

ACCOUNT DATES AMOUNTS STATUS
MEMBER NAME: NOT DISCLOSED
ACCOUNT NUMBER: NOT DISCLOSED
TYPE: OTHER
OWNERSHIP: INDIVIDUAL
OPENED:[protected]
LAST PAYMENT:[protected]
REPORTED AND CERTIFIED:
[protected]
PMT HIST START:[protected]
PMT HIST END:[protected]
SANCTIONED: 35,000
CURRENT BALANCE: 27,005
DAYS PAST DUE/ASSET CLASSIFICATION (UP TO 36 MONTHS; LEFT TO RIGHT)
000
09-10

Thanks.
T. Karmakar