Credit Information Bureau India [CIBIL] Complaints & Reviews

To whom so ever its concerned,
I recently checked my credit score under pan: amhps9998q and learnt that my credit score is very low because of faulty records, and this has caused great trouble for me in pursuing any loans as loans are being rejected solely on the basis of the credit score. Emis of car loan (As a co-applicant) by corporation bank is being paid very regularly and yet the dpds are not updated regularly.
The above mentioned reasons are affecting my credit score and considering them by you will help me with better scores. Kindly do the needful asap. Have attached the required documents for your perusal and would like to declare that all the documents and information are original and authentic to the best of my knowledge.
Thank you

To whom so ever its concerned,
I recently checked my credit score under pan: amhps9998q and learnt that my credit score is very low because of faulty records, and this has caused great trouble for me in pursuing any loans as loans are being rejected solely on the basis of the credit score. Emis of car loan by corporation bank is being paid very regularly and yet the dpds are not updated regularly.
The above mentioned reasons are affecting my credit score and considering them by you will help me with better scores. Kindly do the needful asap. Have attached the required documents for your perusal and would like to declare that all the documents and information are original and authentic to the best of my knowledge.
Thank you

To whom so ever its concerned,
I recently checked my credit score under pan: akvps3918g and learnt that my credit score is very low because of faulty records, and this has caused great trouble for me in pursuing any loans as loans are being rejected solely on the basis of the credit score. Below are some of the observed faults in calculating the credit score:
1. Credit card issued by citi bank which has been closed in 2013 and all the outstanding amount has been settled during the same period, but the balance amount is still being reflected as outstanding.
2. Emis of car loan and property loan by corporation bank is being paid very regularly and yet the dpds are not updated regularly.
The above mentioned reasons are affecting my credit score and considering them by you will help me with better scores. Kindly do the needful asap. Have attached the required documents for your perusal and would like to declare that all the documents and information are original and authentic to the best of my knowledge.
Thank you

Greetings, I am A.SUNEEL RAJA KUMAR with PAN BWDPA7544R. I took CONSUMER LOANS from TATA CAPITAL, HDFC and paid all EMI s, but they are not updated in CIBIL. Because if these issues I'm loosing credit score. I'm attaching NOC issued by Tata capital and receipt paid to HDFC bank. Since long back they are not being updated. kindly go through it, please update my records. Kindly do the needful. Thank you

Dear user,
i had applied loan from Bank of Baroda and vijaya bank but my cibil score is down which is 610 in bank but in other site Wishfin my cibil score is 765 and i had raise th complain for folowing resions:
1) in bank my cibil score generated in low 610 but in wishfin site my cibil is 765
2)in cibil data base 1 another no. is mentioned [protected] which is not mine.
3)in cibil database 1 loan shown which one is not mine and not any overdue charges is applicable.
4)in cibil database 2 enquiry shown 1st dated 04/09/19 for amount rs. 2500000 and 2nd one 31/08/19 1000 both enquiry not created in my side.
for above mentioned reason my cibil score is very low and please resolve the issue and remove the another number and loan details.

Hi,

Hello sir

My name is patel dishant

M. N[protected]

Surat

Gujrat

Subject. My idfc first bank auto loans close but indiens application overdue amount 12000 active loans. Number 7613763 that effect my cibil report

My idfc first bank auto loans close but indiens application overdue amount 12, 000 andi emi pay amount 37, 860 active loans. But i alerdy pay amount 12aug 2019 2 months ago but that have been close my account 2 months after. I have complet to idfc first bank alerdy but no answer to me.

Idfc first bank custmer care said to complet cibil buryo. Then complent to me cibil buryo emil no answer me.

That prof me attechment my application overdue amount photos round me.

So can you help me that effect my cibil score report

Hi i am hitesh nimrani s/o manoj kumar nimrani r/o - s-22/a sunder block shakur pur delhi-110092. I have a compliant regarding a credit card of city bank.in my cibil it shows an overdue of rs. 8, 163/- & current balance of rs.22, 615/- for that i already paid an amount of rs.23, 000/- by neft on (21/09/2019). So plz correct my cibil and update it as soon as possible.

Hi i am hitesh nimrani s/o manoj kumar nimrani r/o - s-22/a sunder block shakur pur delhi-110092. I have a compliant regarding a credit card of city bank.in my cibil it shows an overdue of rs. 8, 163/- & current balance of rs.22, 615/- for that i already paid an amount of rs.22, 000/- by neft on (21/09/2019). So plz correct my cibil and update it as soon as possible.

Cibil has posted a indiabullshfc - xxxxxxx0956 account in my cibil account. I had opened a dispute with cibil, however they are saying to contact india bulls.
I had contacted india bulls however indiabulls are saying that they have not posted. They also said such a loan account does not exists.

Submitted cibil dispute id cds[protected].

Request to help in this regard

I Dr.Om Parkash Chaudhary S/O Sh.Kishan Chand r/o Sonipat have taken loan from SBI of rs.5, 00, 000 on 27.11.2014 and same was paid off and closed on 12.7.2017.
But status is still shown as active for PAN number AAIPC3972F. For reference pictures attached.
Pls check the status and rectify for the same and kindly update update.
Mail ID- [protected]@gmail.com
Phone no.- [protected]

One mr. G. Tamilmani working a pharmacist at railway hospital arakkonam and residing at no. 41/147 p. J. J. First street gets multiple loans from banks based on his salary. Actually have more private loans pledging his house documents and facing number of civil cases in arakkonam civil court.in one of such case, the court has ordered to attach his monthly salary to the court and now he is getting his salary through court after deducting ordered amount.in one more case where he pledged his house documents, the court ordered to repay the loan amount every month to the affected. It means he has no capacity to run even his family and hence he is doing some illegal business. Cibil is requested to collect information of said person and update his cibil score immediately to save the nation which gets troubles from fraud borrowers like said person. Thanking you

I complent to canara bank —
Resp/sir
This is to bring your kind notice that, myself ashok kumar is an employee of sail/bokaro steel plant. I have not taken loan from any bank so far. I went to maruti showroom on dated 12/09/2019 to purchase a new car by taking loan. The showroom searched my cibil score and appraised me that canara bank (Pentacoastal school branch bokaro-jharkhand) against my pan details. The truth is that i have not taken any loan from the said branch. I am not holding any account in the said branch. When i enquired branch chief, i informed them about the incident. They checked their records and informed me that none of my personal details except pan /documents/photo is available in the record. On checking records it was found that loan has been granted to a person namely ashok kumar (An employee of pentacoastal school). They had downloaded my pan from transunion cibil site and used the same for grant of loan to ashok kumar (An employee of pentacoastal school).
When i requested the branch manager to close and remove all loan details from my pan, he refused and threatened me of dire consequences.

This is a serious case of fraud initiated by canara bank staff in disbursing loan flouting rbi guidelines and downloading my pan details from transunion cibil site.
I am reporting this incidence to rbi ombudsmam cell for proper investigation

Waiting eagerly for your reply

With warm regards,

Name:-ashok kumar
S/o late ram nath prasad
Address:-sector -9b,
Qrt no-1393,
Street -16,
Bokaro steel city
Contact:-[protected]
Email:[protected]@gmail.com
Dated:-18/09/2019

Bank replies to me —

Dear sir,

Kindly go through the branch reply regarding your subject complain.

Regards

Customer service section
Co ranchi

From: e. C. Penta costal assembly school
Sent: wednesday, september 18, 2019 1:29 pm
To: csso
Subject: re: regarding grant of loan to another person using my pan avapk4295l

Dear sir,
Mr. Ashok kumar has availed loan from our branch pentacostal. He has given kyc as adhaar.
His adhaar no[protected]. His loan no[protected],[protected],[protected]
[protected] and[protected]. His saving a/c no[protected]. All above mentioned a/c
Have not updated any pan no.
At the time of cibil enquiries to be submitted only adhaar no. Cibil is automatic showing
Pan no - avapk4295l. It is the fault of cibil.
So, we request to customer to contact to cibil portal for correction of pan no.


Thanks and regards
Manager
Pentacostal branch.
From: csso
Sent: wednesday, september 18, 2019 12:49 pm
To: e. C. Penta costal assembly school ; mipd ro dhanbad
Cc: ajit kumar mishra ; mahamaya prasad roy ; mipd section ranchi c. O.
Subject: fw: regarding grant of loan to another person using my pan avapk4295l

Dear sir,

Kindly go through the trailing mail which is self explanatory. You are requested to look into the matter and reply at the earliest.

Regards

Customer service section
Co ranchi

From: mahamaya prasad roy
Sent: wednesday, september 18, 2019 12:25 pm
To: csso
Subject: fw: regarding grant of loan to another person using my pan avapk4295l


From: ashok kumar
Sent: 18 september 2019 11:02
To: mahamaya prasad roy
Subject: regarding grant of loan to another person using my pan avapk4295l

Disclaimer:this email may contain privileged information and is intended solely for the addressee, and any disclosure of this information is strictly prohibited, and may be unlawful. If you have received this mail by mistake, please inform the sender immediately and delete this mail. Any information expressed in this mail does not necessarily reflect the views of canara bank. Please note that any views or opinions presented in this email are solely those of the author and do not necessarily represent those of the bank. The recipient should check this email and any attachments for the presence of viruses. The sender declares that no liability can be cast upon the sender for any error or omissions in the contents of the message that arise, as a result of e-mail transmission and further declares that the sender cannot be made liable for any loss suffered by any person, on account of having acted upon any messages which is vitiated by error, omissions or interception.

Then i replied to him —

Dear sir
Regretfully i stay the reply sent by you is extremely fishy and needs further investigation
1. The loan was sanctioned as per documentary evidence of aadhar is not acceptable. The first was sanctioned on 18.12.2010 where as aadhar enrolment started in india in september 2010 and much later in jharkhand in april 2012.
2. At the time of cibil enquiries to be submitted only adhaar no. Cibil is automatic showing
Pan no - avapk4295l. It is the fault of cibil.
So, we request to customer to contact to cibil portal for correction of pan no.
The above reply is unsatisfactory because cibil takes information from credit institution and as stated in point no.1, during the period of non existence of aadhar, hard copy of pan must have been by the loan sanctioning bank as basis for granting loan.
3. Hence the reply has much more to hide than reveal.
4. Therefore i urge the canara bank management to issue me noc stating that no loan has been granted against me (Ashok kumar & pan no. Avapk4295l).
5. The outstanding loan may be corrected by using actual pan no. And aadhar no. Of the person namely ashok kumar (Employee of pentecostal assembly school at bokaro)

Regards

Ashok kumar
Mobile no - [protected]

From: "nodalofficer, principal"
Date: 12-sep-2019 12:14
Subject: your recent communication with us (Kmm31293421v75420l0km)
To: dinesh. [protected]@irmltd.co.in
Cc:

Ref : 09/19/030284/sp/crd

Dear mr chandak,

Thank you for writing to us and giving us an opportunity to help you.

This is with reference to your e-mail dated 10 september 2019 addressed to our grievance redressal cell with regard to your card account.

We take this opportunity to apprise you that your card account ending 0272 has been permanently invalidated in our records owing to the non-payment of the outstanding dues for a considerable period of time.

However, we note that the outstanding on your card account pertains to financial charges. As a service gesture, we had reversed the entire outstanding reflecting in your card account.

As on date, there is no outstanding balance payable by you towards your card account.

Further, we request you to kindly highlight your query and you can look forward to receive response thereafter.

Please feel free to write back to us for any further support. We will be happy to assist you.

We assure you of our best service at all times.

Yours sincerely,

On behalf of standard chartered bank

Nandhini n
From the office of principal nodal desk

Hi team,

I had tried paying for cibil login amount of 800 has been debited from my account but id not yet generated and its again asking me to do payment for it. Below is transaction details for reference.

[protected]:15:34 [protected] [protected] cibiltpslmumbaimhin-13/09/19 12:15:34/1133 33 800.00 1, 922.20

A/c xx1317 linked to card xx1133 debited rs 800.00 on 13/09/2019 pos txn.. Avl bal is rs 1, 922.20. To report fraud & stop further debit sms suspect to 56161

Please get this recrified at earliest and refund my amount.
It will be good if i get a call from your customer support team.
Mobile number - [protected]

Regards,
Aman rai

Name dhapu devi
aadhar no[protected]
ACCOUNT NO [protected] Bank of barda
mob [protected]

over due amount paid by me with bank of baroda but cibil not updated please update my cibil as soon as posibal
thanks

When my cibil chek by bank then overdue amount shows but overdue amount paid by me
so please udate my cibil score
please find a attecment aadhar copy pan copy and cibil print copy given by bank of baroda

Sir,

I have not taken any loan but showing in my cibil score. I went to icici bank and confirmed that one consumer loan is pending with (Camden town technologies pvt ltd) ghalla/zestmoney. I have never signed on any document for taking such a loan. I have not received any item/amount in my account. Even i have not received any mail/message communication. I think it happened by mistake from your side/galla/zestmoney.
br...

Sir,
I beg to state that mr a j deuri. I was sbi credit card which has been closed 4th weeks december 2018. As offer by sbi credit card department on 27/12/2018. Same day i deposited 22000/- for settled/closed.
Now, my cibil shown written off. So i requested you that kindly remove written off and update my cibil for i apply loan for treatment of my mother as possible as.
Settlment copy included.

Dear Sir/Madam,

As and when I am going to take any kind of loans from any bank I am getting disqualified due to my cibil record. Banks are rejecting my applications without providing any document from their end. Under this consequence I am requesting you to support me to get a clear cibil report from your end.
Most humble and respectfully I beg to state that, I have never taking a loan from SBI Bank, I am not using any guarantor. When i check the civil report at that time my Account Number [protected] is a guarantor to MD ZIYAUR RAHAMAN of A/c [protected]. So i request to take out from loan guarantor

Received a call from a number.. The guy on the call introduce himself as a bank manager and asked for my atm pin and my aadhar card he told me that my atm has been blocked and to restart i will have to share my atm details and tell him my otp.. I knew that it was a fraudulent call hence i didn't shared any of my bank information instead when i declined him sharing details he abused me very badly..!! Below i m sharing his mobile number so that an action can be taken against them..!!

His mobile number: [protected] (Fraud number)

A fraud person using my profile and take a loan on SBI credit card Rs. 500000 His name Sanjeev Kumar Ranjan. He is using my pancard no. With his Addresses which is totally different according to my pancard and I d. My pancard no. Is Ahtpk5948f.. This issues raised only from May 2019 in my CIBIL report. Now When I download my CIBIL report it raised with the name of Sanjeev Kumar Ranjan and with his Addresses. Which is totally wrong and different.
Secondly when I download CIBIL report every month it has different CIBIL CONTROL No.
Please help to resolve this issue

Thanks
[protected]