[Resolved]  Credit Information Bureau (India) Limited — Customer Name in CIBIL Defaulter List inspite of having settled all dues.

Myself & my husband had applied for a home loan recently.

We were shocked to hear from the Banks (Standard Chartered Bank, ICICI Bank, Reliance Finance, Barclays Bank & Citibank) that both of our names are listed in the Defaulter List of CIBIL.

We have paid and settled all our dues till date and have the settlement letters from the concerned financial Institutions & Bank on their letter head that the full & final settlement has been done and there are no dues pending from our end.

We do not know which Financial Institution has reported our name in the defaulter list.

This is utmost unfair for a customer who is sincere and has settled all the dues and has never defaulted in any way.

We have never received any information from CIBIL asking for a confirmation if the name of a customer is listed in defaulter list whether is it correct?

We seek justice to get our names removed from the defaulter list with an immediate effect.We are ready to give all the proof and settlement letters issued by the concerned Financial Institutions provioded we are given the details of the same.

Please help us.

Looking forward to a suitable action at the earliest form your end.

Regards
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Aug 14, 2020
Complaint marked as Resolved 
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I don not have any credit cards of ICICI Bank then also the agency are giving me threatening calls every for a wrong name which i do not know i need help to stop this nonsense calls. a lady calls and uses abusive languages with my family members and my mom got heat attack for this for all this i wanted to speak to Mrs. Chanda Kochar who is MD in Bandra Kurla complex ICICI Bank.

Need Suggestion.

to Sue this bank on mental harassment case.

Regards

Vishal Pandya
([protected])

All Banks in India and CIBIL — Credit Cards and All Loans

Banks rate loan borrowers and the ratings are tracked in CIBIL irrespective of whether you promptly replay or default. The question is when you have a closure letter from the Bank, how can one be a defaulter. All Banks mislead consumers here. They call as "Settlement Letter". A consumer's interpretation of settlement is "CLosure" but per the bank terminology it is not the case. This is defaulting.

CIBIL rating should be in favour of the consumer if you have closure letter or settlement letter from Banks. However this is not the case.

I have closure letters from all banks but now denied any further borrowing due to CIBIL guidelines.Who wil look into this? Ministry of Finance. This needs to be tightened as CIBIL protects only Banks and not consumers.

-Nireesh
I am R.Shanthi from chennai and am also facing the same problem with CITY BANK AND STANDARED & CHARTERED BANK. I have paid and settled full amount and received no due certificate and now I find my name in the defaultter list ..Please kindly guide me what is to be done.Thanking you.R.Shanthi
I have a credit card from almost all the banks and i can say for sure that there is no big FRAUD then HSBC bank.
They issued me a credit card in 2007. All went fine for some time while i was doing some small transactions. Then when once i did a big transaction of some 6, 000 INR I didnt got any monthly credit card statement. The bank neither send me an email not the hard copy of the statement.
After calling the customer care for 3-4 times they told me that i have defaulted on my payment and have not aid my dues and so will have to pay the fine. I argued with them but without any result. See the tragedy, I am myself asking the bank to collect the dues and they are charging me the fine. I made the payment to their agent. But GOD, they made the same mistake the very next month. This time they didnt even send the person on time to collect the money and kept on adding the interest. I really got frustrated and irritated and also because this was my first credit card i was not very sure with the procedure. But I again made the payment and called the customer care to close my credit card as I do not want their service any more. And so I did, i never used their card again.
Now after 2 years they are calling me and telling me that we cannot close the account over phone and I need to have collected the settlement letter from the bank on closing the credit card account. And to top this all they say that even at the time of making the last payment also I had a due of Rs. 562. I never understood why will someone who is making a payment of 10k will keep 500 still as due. And I would like to add here that the last payment was done after confirming with the bank the total amount to be made.
Now they are asking me to pay around 12k as over thi s2 years of time they have kept on adding the interest without being bothered to contact me and let me know that there is still some payment due on my part...which again is not correct because the payment was made only after confirming all the due amount on my part.
The way their agents call me is as if its my mistake and I have not made the payment intentionally. Someone should make them realise these so called banking genius that you cannot just wake up after 2 years and ask a customer to pay all the fine and interest which first he is not suppose to pay & second was never ever intimated about..
I am really very disappointed and would advice people not to take a credit card from such a FRAUD. At the end I would like to add that they did almost same mistake with my cousin also.
Sir please suggest me to check my name (removed or not) from the defaulter list CIBIL, please suggest the website or contact details to proceed further. Thanks in advance.
Gupta from Hyderabad
Sir,
I am very well setteled business man, from past 2-3 years my businees is not growing because of i have lost in my business that is bcos of in our business i should give credit to my customers suddenly the market down and my some customers cheated with me they are not releasing my payment my payment blocked up to 13 - 14 lakhs in market, even my customers is now not available in the city i have lodge the case on them and i have full proof and bills how much they have to return the amount to me on that reason i have holding lots of credit cards almost all financial institution and availing personal loans from the banks i have settled among 4 - 5 credit cards giving cash payment to them and i have settlement letters with me but in personal loans i am not able to pay them right now i will pay but i need some time now i request you to remove my name from cibil defaulter report i want to go for home loan now i am having property i want take loan on my property basis that is 1 crore value i want to take 30 lakhs loan but my name is in cibil plz remove my name from defaulter list so i should grow soon and clear all the financial institutions due plz help me in this thank you

Nihal - uz - Zaman
Cibil Is Right, Bank Will Check Cibil Report & DPD (Days Past Dues) does'nt matter if any customer satteled any payment credit card loan what ever, bank check cibil report in the base of DPD, DPD Is very important Part of Cibil

Regards
Amit Sharda
Dawnay Day
THE NAME OF THE PERSON WHOSE NAME APPEARS MUST HAVE THE RIGHT TO PUT HIS VIEWS AND THEN THEY MUST PUT HIS/HER NAME IN THE DEFAULTERS LIST
<<<<<<CRIMINALS ARE NOT BORN THEY ARE MADE >>>>>>>
I Appreciate the BANK for adding the Defaulters name in CIBIL when they dont make payments at the same time the BANK should show the same action in removing his/her name if not found guilty ...why is that action Missing ??????
Sir i would like to check the defaulter list CIBIL
i am holding icici bank credit card, i couldnt pay dues on time . the bank has send my name to cibil. i am ready to pay all my outstanding amount. i just want to know how many day will take cibil to delete my name from defalter list.
I have a applieda lone via DHFL Housing Finance and they denied the docs due to CIBIL they said that you 25000/-due. but I have settlement on 5-9-2007, Rs.25000/-in karnata Bank Hindupur.and i have receving receipt of settiement letter during sep 2007. so iwiill justice how manyday will take to delete my name from defalter list.

thanks
M.Shafiulla
D.No.5-8-12/2
Hindupur
Anatapur (district)

Credit Information Bureau (India) Ltd. — Name in the defaulter list

I am shocked to hear my name in the defaulter list of the CIBIL. I have no outstanding with any financial institutes and are my payments are upto date. I was rejected being guarantor for my brothers home loan. Please help me removing my name from the defaulters list
Sir I would like to My CIBIL Account Information. PAN CARD NO. - AGMPG4983G
Which is the name is GHADIYALI RAVINDRA BHANUBHAI.
B-6 PALIKANAGAR, B/H, NANDBHUMI, ANAND
GUJARAT 388001.
my name is chetan sahrawat d.o.b[protected]...i want to know all the dues against me anyway. please inform me at chetan.[protected]@gmail.com and sms or call me at [protected], delhi...plz let me know all dues against me.

Credit Information Bureau (India) Limited -CIBIL — CIBIL REPORT

Dear Team, I apply for CIBIL report on 14.07.2010 but till date I am not recived the CIBIL report.

Thanks & Regards
Gopal Malu
B/203, Priyanka Apts.,
Geeta Nagar Phase-II,
Mira Bhayandar Road,
Mira Road East
Mumbai-401107
M-[protected]

Credit Card — listed as defaulter in Credit Bureau of India Ltd

My name appers in the web site of Credit Bureau of India Ltd as a credit card defaulter, whereas such thing has never ever happened.
Please redress.
Thanks,
Y/f
Dr. Arabinda Tagore
P51A CIT Road (23D) Dr.Asutosh Sastri Road
Kolkata-700010
PH-[protected]
Kind Attention
To,
The Incharge.
Sub: My wife, her family ###, Please save me, and My Family. Please send the matter to the appropriate authorities, if necessary.
Respected Sir,
100% now I believe that if you have money then you can get anything, every thing is possible by you. If you are a poor then you can’t get anything, every thing is far and beyond possible to you, also you get poor judgment and poor comportment in all aspects of life, in our country INDIA. For example 1. I. I went to Police Station more than 100 times, made 5times entries (complaints) into G.D. but Not even a microscopic actions took place against the alleged bodies. On the contrary Sandip Samanta, S/O. Shankar Kumar Samanta (S.B.I. OFFICER Ph. No. [protected], Branch: 24B, Nimtala Ghat Street, Jorabagan, Kolkata- 700006, West Bengal, India‎, Bank Ph. No.[protected] he has much more and enough money so they purchase all police personnel's and some political leaders, some Dada. Etc. Only I used to get many letters and many phone calls which all seem to me needs to be thrown in the trash, as it all are valueless, toothless and only simply a solace to the poor. What an undone boy I am! Woe is to me! My wife and her family, Shankar Kumar Samanta and his family harassed me and my family, they are torcher me physically and mentally, and all time told that they kill me and my family. Dt. 06.08.2010 Case no.336 U/S: 147, 148, 448, 325, 379/34 Sandip Samanta, doing the case me and my family, and his evidence only his father, mother and his uncle, not a single man in my village for their evidence, it’s a 100% fabricated case.

We got married 05/03/2002, and have a daughter who took birth on 09/07/2005. My wife and her family lodged a case 498A/34 IPC, FIR NO.276, date 31/08/2009, P.S.: BAGUIATI, against me and some of my family members it’s a fabricated, baseless, legless, toothless and doesn’t have any commensurate to the fact. My wife is engaged and having an illicit affair with a boy (Sandip Samanta, S/O. Shankar Kumar Samanta S.B.I. Officer Ph. No. [protected], Branch: 24B, Nimtala Ghat Street, Jorabagan, Kolkata- 700006, West Bengal, India‎, Bank Ph. No.[protected] just opposite to my house, all the matters are known to every person in my village, and also they have certified me written about my fresh character and nature. When my wife left form my house with Sandip Samanta taking many vory gold and cash 1.20 lack Indian rupees. What a demon she is! She didn’t take our only daughter (only four years old) who is now in my house having severe asthma supported by inhaler. My wife filed the 498A case dated 31/08/2009 and I was arrested on 06/09/2009, how much money Taken Baguiati police form my father and others for 498A/34 I.P.C., fabricated Charge Sheeted, I don’t know, because then I’m in Jail. The Learn" ed court granted me on bail on 19/09/2009. Barasat court. And now I get only date and date…. I have lots of irrefutable evidences, (20 pcs. Adult S.M.S., Adult picture with the boy and a c.d.) with me where it is cleanly reveals which translates my wife and the boy that they are in illicit relations. Believe me I and my family would love very much (which is very rare seen in our society) to my wife and never any kind of love lost didn’t happen. They (My wife family) are very very poor and live in a bosti Address: 70/H/8 Manicktolla Main Road, Kolkata – 700054, Beside 5 Star Club, my mother saw 1st time and she arranged my marriage. Before marriage my family did not see the pedigree of my wife’s family, now we understood also realized that they hailed from a worst status. My wife, her family ### and (Sandip Samanta, S/O. Shankar Kumar Samanta) all they are misusing this law. Now my wife’s family knows all the affair-related matter. My wife left our only solitary daughter to me who is 4 years old having severe "Asthma Disease, depends on INHALER, here political Hide and seek, ducks and drakes and lots o[censored]nfair means are going on and the father of the parents (THE FATHER OF THE BOY WHO HAS ILLICIT RELATIONS WITH MY WIFE) are rich, so they are spending money to everywhere with a view to be escaped. Now I decided that in no way I can’t accept that demon wife. I hired a lawyer his name Mr. Kamelash Nandi. I don’t know what will be happened next? It’s an utterly a huge and a palpable offence subsequent to which the boy deserves severe and examplanary punishment so that no one can dare to abuse this law. My mother is a sugar present shies sugar is now 400. If possible please help me. Please investigate the matter thread barely and save me and my family. I leave here one question to every one that in this die-straits situation whom do I take care to myself (TRAGEDY), my daughter, or my mother (severe Diabetic)?. My wife filed another case me U/s. 125 Cr. P. C. Case NO.167/2009, (Smt. Nita Sarkar J.M. 1st Court Sealdah South 24 Parganas. Date 16/12/2009.) They take 4(four) Advocate at Sealdah Court. I have no any Advocate at Sealdah Court. J.M. 1st Court Sealdah not see my any papers related to my case, Order 1000/- P.M. And now I get only date and date…. I am millions miles away from the genuine and authentic investigation and inquiry. No inquiry, investigation were executed against the F.I.R lodged by my wife. It is very painful, lamentable as well as heart rendering, breath taking affair to me and my family. My heart bursts into guffaw when I see the nature of the inquiry and investigation. One thing is as clear as crystal to me that the law and the task of the law enforcing agencies vary from man to man. A new proverb is going to take birth very soon that "Justice for the rich and Injustice is for the poor" A rich reserves the right to indulge in any kind of heinous business but the poor is restricted to involve in any type of excellent deeds" To see all these my heart is about to come in the mouth and the ground under my feet gets shook. In a word all types of Law are for the poorest and the richest will enjoy the richest judgments from all quarters.

After coming form the DumDum Central Jail, I mat with the BAGUIATI POLICE O.C. Mr. Goutam Mitra, and asked him politely: “ SIR I FAILED TO UNDERSTAND THAT I MADE SO MANY ENTIRIES INTO YOUR G.D.E. BUT YET NO ACTION SO FAR HAS NOT BEEN TAKEN FORM YOURSELF” then BAGUIATI POLICE O.C. Mr. Goutam Mitra, went through all my papers (20 pcs. Adult S.M.S., Adult picture with the boy, G.D.E, MANY MANY OTHER PAPERS RELATED TO MY CASE and TWO c.d.). After seeing all my papers he told me that I cannot take any action until and unless you lodge a case against all of them.

Then I Prayed to the Ld. C.J.M at Barasat court to lodge the case, against the alleged person. (The payer to the Ld. C.J.M. is enclosed which is self-explanatory) after filing the case (The case is starting At Baguiati Police Station Case No-168 Date: 24.04.2010. CHARGE 323, 379, 406, 497, 498, 500, 504, 506 READ WITH 34/120B OF INDIAN PENAL CODE) the BAGUIATI POLICE O.C. Mr. Goutam Mitra, and I.O. Mr. Prasenta Kumar Das, Mr. Ajay Kumar Ghosh, in stead of taking not any take proper investigation/ not take any action/ not take any type of query to recover my Cash and Gold form the house of Shankar Kumar Samanta, The BAGUIATI POLICE O.C. Mr. Goutam Mitra, and I.O. Mr. Prasenta Kumar Das, Mr. Ajay Kumar Ghosh, took my case as a Golden Goose, and how much money BAGUIATI POLICE O.C. Mr. Goutam Mitra, and I.O. Mr. Prasenta Kumar Das, Mr. Ajay Kumar Ghosh, has taken is well known to them. Neither he took any take proper investigation/ not take any action/not take any type of query nor he did roundup them against my case.

When I saw that already near by 120-150 days went by “I went to the BAGUIATI P.S. to know the status of the case then BAGUIATI POLICE I.O. Mr. Prasenta Kumar Das, Mr. Ajay Kumar Ghosh, became outraged me and my mother that if you ask about Shankar Kumar Samanta and his family I will sentence you and your family in the Jail, all their languages is so much filthy dirty which I cannot express front of you.
As I’m 100 percent innocent so I screw up my courage to place my grievances to every body in order to get redress. So I want to let my matter informed all the Indian and others. I wrote my matter to our local P.S., Local Councilor, all M.P., M.L.A., Minister in W.B. and Other States, C.M. in W.B., CBI Department, CID Department, S.P. and Dy.S.P.(N.) 24 Parganas, DGP Bhupindar Singh, All the I.P.S. AND I.A.S. OFFICERS. Governor in W.B, and President in India. P.M. in India, P. Chidambaram Union Minister of Home Affairs, National/International Human rights department, AAP KI KACHEHRI – KIRAN KE SAATH, Kolkata Police, and all police officers in W.B. informed Kolkata Commissioner of Police, Manager S.B.I.-Branch: 24B, Nimtala Ghat Street, Jorabagan, Kolkata- 700006, West Bengal, India‎, Bank Ph. No.[protected]. My nation, all of the news channels, and all press, Ld. Chief Justice High court and Supreme court. Talking with some NGO’s: 1. Universal Right and Duty for Human to Abide URDHA, 2. Human Right Commission’s Mr. Ujjal Paul and Mr. Shibaji Dasgupta. 3. Bharat Bachao Sangathan BBS- DS Rao, Anwar H Danish, Vineet Ruia. 4. Forum for Social Justice and Development FSJD. 5. Ajjtak News Channel’s Miss Menogya. and many more, (anybody can’t help me/ fight for truth /don’t take proper investigation/do not take any action/don’t take any type of query/ Still Now, many department told does not comes under the purview of our department. Then my question is where I go now? I can’t get Judgment still now. I see they all are in sound asleep. The reason is best known to them.
I hope you would care to me, your prompt action shall be highly appreciated and deserves to be lauded.

With kindest regards,
Dipak Kumar Adhikari
Tegharia(Dhali Para), NandanKanan. P.S.: Baguiati.
P.O.: Hatiara. Dist.: North24Parganas.
Kolkata-700059 Email: [protected]@yahoo.com
W.B. India. PH. [protected]
I have recently paid all my dues till date and have made a full and final settlement with Syndicate Bank and have got the confirmation on their letter head that the full & final settlement has been done and there are no dues pending from my end.

I seel justice to get my name removed from the defaulter list with an immediate effect So that I can be granted my loan

Please help us.

Thanks regards

T.K. SHANMUGHASUNDARAM

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