Credit Information Bureau India [CIBIL] Complaints & Reviews

This is regarding removal of my name from CIBIL as the case was settled 4 years ago with ABN Bank against credit card No.[protected]. All communication with ABN is attached below. From: AnilSharma [mailto:anil.[protected]@grazianotrasmissioni.it] Sent: Friday, October 08, 2010 5:19 PM To: '~ IN HeadCardServices' Subject: RE: Rreference number [protected] - scanned copy of letter & cash deposit slip of credit card no[protected] Dear Sir, Thank you very much for your reply. If there will be any problem, I will contact again. With Warm Regards, Anil sharma [protected] From: ~ IN HeadCardServices [mailto:[protected]@rbs.com] Sent: Friday, October 08, 2010 4:14 PM To: anil.sharma Subject: RE: Rreference number [protected] - scanned copy of letter & cash deposit slip of credit card no[protected] Dear Mr. Sharma, We refer to your email dated October 08, 2010 and your subsequent telephonic conversation with Ms. Geetika Sharma. We wish to confirm that the said credit card account has been closed as the outstanding dues has been settled as per the terms of settlement dated 18th March 2010 and that there is no further amount payable by you on the same. Please be advised that the details of all card members are shared with CIBIL as a standard procedure under RBI guidelines. The details once reported to CIBIL cannot be removed from the database. We can only refresh the outstanding reflecting in the database. Since your card account has been settled and hence the same has been reported to CIBIL. The current status on CIBIL that is reflecting as zeroised and settled. You may also quote the reference number [protected], in case you need any further clarification on the above resolution. Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you. Assuring you of our best services. Yours sincerely, Service Delivery - Credit Cards *********** QUICK TIP ********************************************************************************...⇄ RBS Bank's IFSC code remains ABNA0200001 for online NEFT payments towards RBS card. Access this URL to view payment options available on your RBS Credit Card. http://www.rbs.in/consumer/creditcard/make_payments.htm ********************************************************************************...⇄ From: AnilSharma [mailto:anil.[protected]@grazianotrasmissioni.it] Sent: Friday, October 08, 2010 9:55 AM To: Gupta, Sameer Subject: FW: Rreference number [protected] - scanned copy of letter & cash deposit slip of credit card no[protected] Dear Sir, Please look into the matter. Anil sharma From: AnilSharma [mailto:anil.[protected]@grazianotrasmissioni.it] Sent: Wednesday, October 06, 2010 3:24 PM To: 'in.[protected]@in.abnamro.com'; '[protected]@in.abnamro.com'; 'sameer.[protected]@in.abnamro.com' Cc: '[protected]@in.abnamro.com' Subject: FW: Rreference number [protected] - scanned copy of letter & cash deposit slip of credit card no[protected] Dear Sir Good Afternoon, This has reference to my previous mails, regarding the settlement of old dues against my credit no.[protected] vide your letter dated 18.03.2010. The settlement amount of Rs. 3000/- (Three thousand only) was deposited by me on dated 19th March-2010 by cash and the matter was closed. Now I came to know that my name is coming in CIVIL during the verification of my loan which I have applied with IDBI bank. So you are kindly requested to please remove my name from CIVIL so that the positive formalities may be done by IDBI. An early action in this regard shall be highly appreciated. Your reply is awaited. Thanks & Warm regards, Anil Sharma [protected] From: ~ Cardservices [mailto:in.[protected]@in.abnamro.com] Sent: Wednesday, March 24, 2010 9:40 AM To: anil.sharma Subject: RE: Scanned Settlement Letter of ACCT No[protected]_ANIL SHARMA Dear Mr. Sharma, This is with reference to your email dated March 22, 2010. We have referred the matter to our concerned department and will revert to you within the next 7 working days. You may also quote the reference number [protected], in case you need any further clarification on the above resolution. Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you. Assuring you of our best services. Yours Sincerely, Service Delivery - Credit Cards **************** QUICK TIP ********************************************************************************...⇄ Wef March 2010, the Minimum amount due on your credit card account will be revised from existing 5% of your Total Amount Due to 7%. This amount will continue to reflect under the Minimum amount due in the statement ********************************************************************************...⇄ Why wait for a physical statement when it is also available just a click away! Enjoy Simple & Hassle free banking by just Registering on Cardsonline and view statements upto 6 months Get FREE statements on email by just registering your email ID with us Call 24 Hours Bank By Phone to subscribe for FREE SMS Alerts ********************************************************************************...⇄ You may also avail the NEFT (National Electronic Funds Transfer) Facility. For making payments through NEFT, access NetBanking of the bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds transferred. ********************************************************************************...⇄ Access this URL to view the Bank by Phone numbers in your city - http://www.abnamro.co.in/consumer/directbankingservices/phone_bank.html ********************************************************************************...⇄ From: Anil Sharma [mailto:anil.[protected]@grazianotrasmissioni.it] Sent: Monday, March 22, 2010 12:43 PM To: [protected]@in.abnamro.com Cc: "'Abhishek '"@mail01.abnamro.co.in Subject: FW: Scanned Settlement Letter of ACCT No [protected]_ANIL SHARMA Dear Sir, Please look into the matter. Thanks & Warm Regards, Anil Sharma From: Abhishek [mailto:[protected]@srmestates.com] Sent: Monday, March 22, 2010 11:25 AM To: anil.sharma Subject: FW: Scanned Settlement Letter of ACCT No [protected]_ANIL SHARMA Dear Sir Please route ur query to [protected]@in.abnamro.com for the same to entail resolution. Regards Abhishek From: Anil Sharma [mailto:anil.[protected]@grazianotrasmissioni.it] Sent: Monday, March 22, 2010 9:20 AM To: 'Abhishek' Cc: [protected]@rediffmail.com Subject: FW: Scanned Settlement Letter of ACCT No [protected]_ANIL SHARMA Dear Sir, Your reply is awaited. Thanks & Regards, Anil Sharma From: Anil Sharma [mailto:anil.[protected]@grazianotrasmissioni.it] Sent: Friday, March 19, 2010 5:20 PM To: 'Abhishek' Cc: 'anilsharma ' Subject: RE: Scanned Settlement Letter of ACCT No [protected]_ANIL SHARMA Dear Sir, This has reference to your mail and regarding the settlement of account of credit card no.[protected]. I am in receipt of your settlement letter dated 18.03.2010 in which you have mentioned that the settlement will be done on depositing an amount of Rs. 3000/- instead of 7932.25. In this regards this is for your kind information that I have deposited an amount of Rs. 3000/- in cash with your ABN Amro branch Sector-18 Noida by today. The scanned copy of receipt is being attached for your reference. You are kindly requested to please go thru the details and send me the closing letter on my mail Id and also send the hard copy at my residence address i.e F-387, MIG Flat, Pratap Vihar, Ghaziabad-201001. An early action like me will be highly appreciated. Thanks & warm Regards, Anil sharma Card No.[protected] For your information. Note: Forwarded message attached -- Original Message -- From: "Abhishek" [protected]@srmestates.com To: anil.[protected]@oerlikon.com, [protected]@rediffmail.com Subject: Scanned Settlement Letter of ACCT No[protected]_ANIL SHARMA Per favore, considerate l'ambiente prima di stampare questa e-mail. Please consider our environment before printing this e-mail. Please be aware that we are currently migrating from our current e mail domain [email protected] to our parent company domain [email protected]. This is purely an administrative exercise on our part and will not effect you in any way, and your current email address ([email protected]) is still valid. Per favore, considerate l'ambiente prima di stampare questa e-mail. Please consider our environment before printing this e-mail. Please be aware that we are currently migrating from our current e mail domain [email protected] to our parent company domain [email protected]. This is purely an administrative exercise on our part and will not effect you in any way, and your current email address ([email protected]) is still valid. [protected][protected][protected][protected]ABN AMRO Bank N.V. is an authorised agent of The Royal Bank of Scotland plc. This message (including any attachments) is confidential and may be privileged. If you have received it by mistake please notify the sender by return e-mail and delete this message from your system. Any unauthorised use or dissemination of this message in whole or in part is strictly prohibited. Please note that e-mails are susceptible to change. ABN AMRO Bank N.V, which has its seat at Amsterdam, the Netherlands, and is registered in the Commercial Register under number 33002587, including its group companies, shall not be liable for the improper or incomplete transmission of the information contained in this communication nor for any delay in its receipt or damage to your system. ABN AMRO Bank N.V. (or its group companies) does not guarantee that the integrity of this communication has been maintained nor that this communication is free of viruses, interceptions or interference.[protected][protected][protected][protected]

Dear Sir, I am a bank employee, I took my CIBIL report where it is showing lots of discrepancies. I have taken only two loans in which one of 25, 000/- is already closed and other is only for 30, 000/- is due with my bank only. After this I am having SBI credit card where 3, 000/- is due (approx). But in my cibil report it is showing lots of loan and many account as written off. Many loan are in running condition and many are closed after is also showing many enquiries regarding loan I have never gone through of such type of enquiries . It is showing my date of birth that is also wrong. I have never applied for passport but here it is showing passport no. also my voter card no is also wrong. My score it is showing 544 only. I am totally puzzled and wish to go in consumer court or file a case against the fraud. I wanted to take a loan very urgently but this cibil report has made me totally puzzled. Now one agency is asking 10, 000/- for the rectification in this. I would be grateful to you if you kindly look after the matter and do the needful as earlier as possible. my mob no. is [protected] PAN no . CCZPK4349F EMAIL. [protected]@gmail.com

Dear sir, I sri sanjaya kumar biswal, my PAN NO-AIXPB3288N, I have two 10 wheler truck vehicle number OR19F 9868 & OR19E 5668, these truck finance by tata motors finance ltd but I was clear all the outstanding amount then again I have finance by sreyi finance ltd both the truck now I have repayment to finance my instalment before the time and I had guarantor for two truck owner, they have clear all the debit amount before 8 month.his name is Dinesh Kumar Tripathy and Bijuli Sahoo. So why my CIBIL report now outstanding amount 40000/- of my auto loan purchase in 2008 and aprox 300000/- of amount in other 1st party truck .Please update as soon as possible I am not qualify for cash credit loan from ICICI bank, mail me at biswaltransport.[protected]@gmail.com, thanking you waiting for your positive response...

Hi, I have a car loan and the EMI will be deducted through cheques. Once two cheques were sent in a month and the second one got bounced and my cibil score got effected. Mistake has happened on bank side. So what I need to do regarding this issue. Please suggest.

Dear sir, M/s Doon Udyog had taken loan against property from Canara Bank Rajpur Road, Dehradun uttarakhan for Rs 50.00 Lacs and Rs. 35.00 Lacs in which i was co applicant or guarantor. In this connection i wish to submit that the both loans were repaid by the doon udyog private limited and no amount is outstanding as on date, but my CIBIL report still showing outstanding over dues. you are therefore requested to kindly update your record so that no amount is shown as out standing in the sai account. thanking you Natasha Jain

Hi Sir, My Pan number is AHQPG7167B. Recently i have checked my cibil wherers the below information is wrong given in cibil1. OD Amount is - Rs. 694/- which is never been sanctioned to me.2. Housing Loan of Rs. 20, 90092, which is showing settlement, but i have never taken this loan.3. One another loan is showing of Rupees 1, 47900, which is not taken by me.I have taken a single loan which is 1974415 rupees are pending, i am paying this loan, Except this i have never taken any loan.Request you to please remove wrong information of my cibil.Please take this action on immediate basis.RegardsKrishan Gogia

CIBIL, being a Banker's and NBFC's forum, they are registering reports from members without proper verification and the members are taking advantage of this as borrowers don't have access here. Banks and NBFC s have settled loan accounts but didn't update CIBIL report as result the borrowers are victimized.

My PAN number: ADQPG6165K
Name: Meghdut Guha
Date of birth :[protected]

Please verify following detail and initiate actions against banks and NBFCs.

Bajaj Finserv : Loan account number:[protected] No dues already settled
Bajaj Finserv : Loan account number:[protected] No dues already settled
Bajaj Finserv: Loan account number: 4020PC00008525 No dues already settled

GE countrywide: Loan account number: RDLR00619527 No dues already settled
GE countrywide: Loan account number: RPNR00173158 No dues already settled
GE countrywide: Loan account number: RPNR00142872 No dues already settled

HDFC Bank Ltd: Loan account number: 10134032 No dues already settled
American Express: Card account number: 3777009 No dues already settled

Please do contact me for necessary evidence, if required.

Thanks and regards,
Meghdut Guha
Contact number- [protected]

Pl arrange to deactivate my post paid connection immediately. There are two separates mail have been issued on 09.06.2014 & 03.05.2014 for disconnect of my post paid connection to vodafonecare.[protected]@vodafone.com. But they have not done this. Besides this they have made a bill on 15.05.2014 & 15.06.2014. After receiving mail message how could they charge a bill ?. Pl advice me what to do ?. I am not responsible for extra bill which were made after receiving e-mail message. Pl look in to matter and arrange to deactivate my post paid connection.

Dear Concern Have to inform IT department also as well as have to move to Legal since there are objectionable words in CIBIL which is not accepted not aware completely but it has been mentioned about the spelling of my wifes name “Emili Rakshit & Emily Rakshit” and they have updated unwanted remarks regarding the same. 1. Not aware about the control number as the bank has not disclosed it 2. Date of running the report:18/06/2014 3. Name-Emili Rakshit 4. Date of birth-13/11/1982 5. Address:105 Netaji Colony near Kali Mandir Kolkata-700090 6. Mob-[protected] 7. Phone number-[protected] 8. PAN-BBEPD0300A 9. Voter ID-KTF3466844 Regards Bishwajeet

Dear Concern My Home Loan request from Repco Bank got rejected just because there are several unwanted enquiries are there in my CIBIL. May I know the reason please? CIBIL should not be a place for updating anything to harm the salaried persons. Waiting for early reverts and needful. Name:Bishwajeet Rakshit DOB-18/01/1975 Address:105 Netaji Colony, Near Kali Mandir Kolkata-700090. PAN-AHVPR3881N.

Dear Sir,
Very recently I have applied for Home Loan in SBI Dhakuria Branch, Kolkata and the same is suspended due to subject CIBIL Report showing irrelevancies and unjustified demand of Rs.9435. Long back I had repeatedly communicated with them to lock my cards but all the effort went into vain. Now I am totally exasperated and hope you should give respite. There were other balances apart from the subject balance utterly to my astonishment because I have no knowledge of it. I had cancelled and destroyed all the cards in my possession long back and intimated the same in time. I am on the verge of despair and the due date for payment to the Developer was scheduled on[protected] and now every day is counted with huge penalties. Please help me to make all the balances put to zero so that my application for loan in the bank gets through.
I am giving you below my Member ID of CIBIL and PAN No. for your immediate action.
Member ID CIBIL:BN01030006
PAN No.AFGPM6441N

Regards,
Avijit Mandal
35, Paik Para Row,
Kolkata-700037
Mob.[protected]
Attachment: will be dispatched by courier to your address.

Dear sir, This is to inform you that i have applied for home loan for 50lacs.however as per your confirmation regarding my cibil generate by you.i have already closed car and home loan before time period and without settlement. My name is-ravendra kumar sharma My correct dob is-05/03/1963 My pan card no.is-AXRPS4924k My father name is-chandra prakash sharma My correct residence address is-MIG 155 swarn jyanti nagar ramghat road opp park aligarh(202001). Kindly arrange to correct my cibil. With regards Ravendra kumar sharma

This issue has not been fixed yet by the bank inspite of me writing, even raised this issue over the phone to them at their customer care. This DPT has put me in a stage where I could not avail any other loan even though am very much eligible, every time I apply for a loan and when gets rejected due to his my scores go down even lesser. As an organization CIBIL maintaining my financial credit history what measures have you taken to fix this, I have cleared my outstanding emi, missing an EMI is not a crime could happen to anyone for this I had suffered a lot. Please take this serious or I may need to take legal action against the bank who has not removed my Overdue even though after paying also against CIBIL for not taking any action. This has created a financial threat to me and creating hassle Now how is responsible for the score which has brought down without the fault of the customer. Thanks, Prasanna RG India: [protected] AIT Resource Group, Inc Email : [protected]@aitresourcegroup.com Website : www.aitrg.com -----Original Message----- From: CIBIL [mailto:[protected]@cibil.com] Sent: 05 May 2014 16:33 To: [protected]@aitresourcegroup.com Subject: On-Line Dispute Form Submission Confirmation Dear PRasanna RG, Thank you for raising an On-Line Dispute Request. Your On-Line Dispute id is DIS[protected]. We shall revert to you shortly. The dispute form has been attached as a PDF to this mail for your information. Best Regards CIBIL- Consumer Relations

calls from 5442001 I believe, keeps coming in and no one speaks and not able to call back. Keeps disturbing. No point in reporting to police...stopped for sometime a few weeks and started again. waiting to change my mobile number, hopefully for the last time.

I have applied for CIBIL score on[protected] and paid Rs.470. Still i have not received my CIBIL Report.
I contacts 100 times to [protected]@cibil.com. Some automated email saying i will get it in 3 days. I have sent around
40 emails regarding this. Same reply still. I called also. Same they are saying within 3 days i will get it.
I don't what problem for giving report already paid. Trying to cheat innocent people. Its fraud company don't believe.

CIBIL Registration ID: SCO[protected] Date:[protected]:06 PM
> > > Transaction ID:[protected]

Sir, I am using a creadit card last year i made a cellphone purchase of 40k approx and there was a cash back scheme of rupees 5600 approx. Bank didn't provided me cash back saying scheme was on 6 month emi not 9 month emi. but sir there was no such thing mentioned in the campaign i have been shown. I even ask citi to convert my emi to 6 or even 3 month but provide cash back but they refushed . i even asked them to provide alternate offer where i can spent 1lakh ruppees at max and can get similar cash back but they refushed. Now they are keep on adding late payment charges on this and not settling. I asked them to cancel the card but they didnot follow my continous request of card cancellation for 6 months. Now they are threatning me for cibil and other actions.

Dear Sir / Madam, I have applied for Personal Loan in HDFC Bank, during the process I received an information that due my CIBIL Rates it got rejected I could not understand why it got rejected, on Nov 13 I have applied HDFC Credit Card and got in Dec13 when I can get Credit Card why not Personal Loan, due to CIBIL rates the Loan was stopped. I request CIBIL to look into this and give me the Fresh report with the changes. Discrepancy Details as follows: 1) Took Personal Loan in Citibank. N. A. Cover ID : 60240 Loan Account No: ET[protected] Dated : 17 – 6 – 2009 Statues : Closed / updated in CIBIL by Bank Officer 2) Took Personal Loan in CitiFinancial Loan Account No: 8986162 Dated : 08 –03 – 2011 Statues : Closed / updated in CIBIL by Bank Officer 3) Took Credit Card in Deutsche Bank / Induslnd Bank. Ref : SB130046/14/Aug/13 Credit Card No: [protected] Dated : 14 – 8 – 2009 Statues : Closed / updated in CIBIL by Bank Credit Card Officer 4) Took Credit Card in HSBC Bank. Ref : CCONP/LS/[protected] Credit Card No: [protected] Dated : 24 – 5 – 2013 Statues : Closed / updated in CIBIL by Bank Credit Card Officer 5) Took Credit Card in ICICI Bank . Ref : 625213/691318C Credit Card No: [protected] Dated : 27 – 6 – 2013 Statues : Closed / updated in CIBIL by Bank Credit Card Officer I have sent mails to all the Respective Bank Managers and checked with them they said long Back they have updated in CIBIL No Due on above given Personal Loan and Credit Card details, Present Status in CBIL Rates are very Less, I am struggling to get Personal Loan and I need for my daughter marriage for this problem my daughter marriage got postponed for three months hope you can understand my need and feeling. One thing I cannot understand that when all the Banks agree and says no dues / no outstanding Due payable towards the card account, than why CIBIL department worried and giving less Rates and troubling us, it’s my humble request to CIBIL Dept to give good rates that I can take personal loan for my daughter marriage without any problem . My Personal details as follows: Name Diwakar.M DOB 28-Mar-63 Father Name M Mariappa Mother Name Jayalakshmi Ammal Address 107, Old Cement Lane Austin Town Bangalore-47 Mobile # [protected] Addar Card (GOI) [protected] Voter Id DKV1473628 Ration Card BLEI00214517 PAN Card ALHPM8905G

Hi,
I appliedd for CIBIL Report/Score on Jan 6, 2013 but the report was not sent for two months. I repeatedly emailed cibil and called them but nothing was done. I needed my report urgently and the service guarantee was 5 days. Even after a month report was not sent when i asked CIBIL to refund the money i had paid for my credit report as i no longer needed it.

I needed the report wrt home loan and the time had already passed. I has been three months now but still CIBIL has not refunded my money. CIBIL is cheating people blatantly, They cannot charge customers without
providing any service. I would file a consumer case against them if they dont refund my money

Priyanka Dang
dang.[protected]@gmail.com

Dear Sir

CIBIL site is working as a black mailing tool for the private banks & NBFCs to harass the honest customers and helping them to increase their profitability.

They do not have any concern with the customers they just update whatever these profit making Banks or NBFC's ask them to do.
Regards
Bishwajeet

I am credit card holder in the name of Manmohan Sharma, Chandigarh. My card no. is xxxx xxxx xxxx x407 Tel. No. [protected]. It has been more than a year that the bank sold an insurance against the card. I had never asked for that insurance and neither did the bank asked for my consent before charging its premium. Moreover, I never received the policy documents so I have no details about the said insurance. Since then I have been following up the matter with the bank but there has been no response from them. Every month I pay the minimum due amount as the insurance amount has not been settled as yet. Bank sends me the information about the chargeable amount through the SMS. It stopped sending statements for quite some time and does not even sends it through e-mail. Yesterday, I received a statement that is asking me to pay the entire amount immediately otherwise I would be declared a defaulter by them. I am ready to settle the account provided the bank reverses the insurance amount and the subsequent interest that is being charged on it. Please help me in this matter.