HDFC Bank — Harassing me through CIBIL even after allowing penalty waiver

Address:

Chennai, Tamil Nadu

My name is Karthik Anbumani. I maintained a credit card 4346xxxxxxxx1707 with HDFC and they have charged a late payment penalty of Rs.486/- in Feb 2011. On my taking up with them, they have waived the same and I have not used the card further and paid all the dues. On the one side they have waived the penalty but on the other hand they have adverse remarks in CIBIL. Since then I am unable to get any finance from any other Bank. On taking up the matter through RBI OMBUDSMAN system, they have promised to make it as waiver and the column as blank. HDFC send a mail stating that they will abide by the set norms. But the remarks are still continuing and every bank approached by me for a loan or card have informed that there is a adverse remark in CIBIL report. Is it correct and eithical on the part of HDFC to do like this even after making a commitment to RBI. When I have taken up the matter again some 10 days back, they have given an ambiguous reply stating that they have updated the CIBIL remarks as per the guided norms. I don't understand the guided norms. If a bank like HDFC can do this type of harassment to a public for Rs.480/- even after given a commitment for waiver.