PNB — Grievance: Incorrect reporting of delayed EMI Payments impacting my CIBIL score

Address:

Medavakkam

I had a housing loan with PNB (Medavakkam Branch) from Aug 2018 to Apr 2022, repaid all my loan dues on time and closed my housing loan in Apr 2022 successfully.

For investment purposes, approached a financial institution recently, they came back and told that I had delayed payment records against my earlier housing loan with PNB and it's reflecting on my CIBIL report.

ECS payment is enabled for the monthly EMI Payments and it's executed 5th day of every month in the last 4 years without any delay from my end. Really shocked to see delayed payments reflecting on my CIBIL report.

I called up the bank and asked for the clarification there is no proper response. I sent an email to the bank but there is no reply. Hence am logging the complaint request here against PNB to get their attention to rectify this issue in CIBIL because of their mistake my credit score impacted.