[Resolved] Kotak Mahindra Bank — CIBIL Report
My name is Goutam Debnath and live in pune (Maharashtra) I have taken two wheeler loan from HDFC Bank i have cleared my loan and I gets a “NOC” from the Bank and I gets Credit cards from Kotak Bank and I using it last 6 month’s after using the card I have paid all dues payment… and after paying the amount the Bank put my name in to the CIBIL… why Bank put my name in the CIBIL……
I strongly feel All the Bank are fraud….. the banks to update CIBIL about the closure off the loans and credit cards when the customers pay all the balance and close their loans and credit card dues. The bank should give the customer "NOC" immediately after he clears all the dues and at the same time the customers name should be removed from deaulters list of CIBIL so that the person will not suffer in getting other loans like home loan. I feel that the cooling off period for the customer in CIBIL should be less. If the customer is clearing all the credit balance and making it zero then it is the duty of both the bank and CIBIL to remove his name from the defaulters list. I again request CIBIL to help such customers in removing their name from Defaulters list if the customer has paid all the credit amount and gets a NOC from bank.
It is my humble request to the Person who are working in CIBIL to update the status of such customers immediately as the customer has paid all his dues and got a "NOC" from the bank.
I did some study regarding CIBIL, form where i got the info that only financial institutions have got the access to this database.General Publics dont have the access to this restricted area.I want to know why.I must have the right to know what was my fault or is some one cheated me.
What to do now please suggest me...
Email id :- [protected]@gmail.com
Complaint marked as Resolved 2020-08-13 22:53:10