Credit Information Bureau India [CIBIL] Complaints & Reviews

From;Nirmal Kumar Pandey,

Pan no.ADFPP4074R

[protected]@yahoo.com

Sub;Understand that loans not availed by me personally,are reflecting in my CIBIL Report-reg.

Had applied for a housing loan,and was informed by the Bank that there are as many as 12 Automobile loans shown as outstanding in my name.

The fact is there is only loan for my car,with Kotak Mahindra,hence I am surprised to know as to how the other loan details has been wrongly reflected in my PERSONAL CIBIL REPORT due to which my application has been delayed and put on hold over a month.

Request you to clarify the same and rectify the mistake forthwith without any further delay and inform me immdly.

Nirmal Kumar Pandey

Legal Professional

[protected]

Dear Browsers,

Iam Vishal from Bangalore.I have used 3 credit cards about 4 years back.I called all 03 credit card banks and closed the cards through settlement after I received a written No-Dues Certificate from them.However I want to apply for a home loan and it got rejected.I applied for CIBIL report and got it.My name is listed on it.
How will I get my name out of CIBIL defaulters list?
Please help me on this subject.

Warm Regards,
Vishal

Dear Sir,
I am Deepak Bahal S/o Late Shri P.K Bahal resident of C-1/801 Neel Padam Kunj Vaishali Ghaziabad ,U.P. .I am having office at Bahal Stores 289, Fly Over Market Defence Colony New Delhi. My PAN no. is AAAPB2766J . I had applied for a loan from P.N.B. which they rrefused after getting report from CIBIL. On seeing the report I was shocked that my credits have been clubed with one Mr. Deepak Behal S/o Shri Dev Raj Behal whose date of birth is 20/09/76 where as my date of birth is 28/09/59. In this repot three auto loans of Rs 7.11 lakhs , 2 lakhs and 10 lakhs are not borrowed by me. Kindly make the necessary corrections and inform me at my postal address. Early reply will be highly appreciated.,
Thanks
Deepak Bahal

R/ Sir,
I have never obtained any housing loan till today but my name is listed in CIBIL report. I came to know this fact when I contacted corporation Bank for receiving Car loan. my name is wrongly shown in the CIBIL report.It is therefore requested that my name may kindly deleted from the the list of CIBIL report
Complainant
Gurdarshan singh
16/537, Shastry Colony Sirsa (HARYANA)
Ph. No. [protected]

I am writing here hoping that the problem on how banks function with respect to CIBIL and how genuine customers face hardships because of this half baked system in India finds voice.

If you google for CIBIL related problems faced by consumers you will understand the depth of problems faced by helpless individual consumers against this half baked system. I will highlight some of them and hope you will be able to give helpless consumers a voice to fight CIBIL and its members.

1. I had recently applied for personal loan and was rejected after week long process of documents collections, many verification phone calls at office, home, reference and physical verifications at office and home. The reason given by current day faceless banking phone executive is that my name appears in CIBIL. Any further questions goes unanswered and some times get imiganary replies. My point is if banks take CIBIL score/reports so seriously for processing loans, why not first ascertain this first before collecting documents and other procedures. This will surly save valuable time and efforts of every one involved.

2. Now with this kind of experience many cosumers are awakened that some thing is happening against their names with out their knowledge. So you google and start doing your research to find you are not alone. Now if we approach CIBIL to know your details, we need to pay a nominal amount(online or draft) but still have to send physical verification papers like PAN and address prooof to mumbai and wait for another 10-15days to know your own details. In developed countries like Singapore, we can get the same online in 5mins. Can't CIBIL and its members create proper systems before launching this, its very clear that neither the banks nor the CIBIL is concerned by consumer inconveniences.

3. The third problem i have come across is the accuracy of information updated by financial institutions to CIBIL. After my personal loan rejection i obtained my CIBIL report after waiting for 20days and found that it consisted of entries which i had never imagined. It showed two credit cards in my name from two different banks which i had never received. When i called these banks customer care call centers, both banks systems could not find my credit card numbers in there cal center systems and was advised to personally visit their debt management managers. From CIBIL i could find out that these cards were issued in 2006 and showed nill balance but was last reported to CIBIL some time in 2009. Now customers have to run behind these banks to get their records updated which will take furtehr 30-45 days by CIBIL. So effectively consumers will have to spend atleast 4-6months to get this updated for no fault of theirs. CIBIL claims that they have dispute resolution mechanism but puts onus on their members to update corrected information. So CIBIL is acting big brother with out any responsiblities.

4. The next draconain rule is that CIBIL will have entries in their system for a period of 7years from the date of last reporting. So in cases like i highlighted above where the account was opened in 2005 and closed some time later but reported to CIBIL couple of years later. The entry keeps showing on my report for next 7years. Such entries will be damaging and can easily last in your reports for 10-15 years on the basis of banks fancy on when ever they last report.

5. Now the bragging that goes on about advantagesof having CIBIL is that it will help consuemers to negociate better interest. Till now i am yet to come across any bank which is fixing interest rates based on your CIBIL score/reprot.

6. Now I had an instance where a bank issued me a credit card with limit of Rs. 10,000/- out of which Rs. 7800 as balance transfer from my another card. When the sales guy took application from me for this card, he promised me a gold card with limit of Rs. 1lakh. But eventually when i received the card i had a limit of Rs. 2,800 after duducting for my balance transfer limit. So i insisted on closing the card but the bank refused since they had already taken the balance transfer from another bank. This led to dispute and i eventually closed the account by paying only the banance transfer amount. This account was opened in 2004 and i eventually closed in 2008, but till date this entry shows in my account as "Posted with out settlement" meaning the bank has not bothered to update my records. Due to this one entry in my CIBIL i am not able to get any loans or credit cards.

7. My question is what is the option for people who have some negative entries in their CIBIL report for what ever reasons. Cant the banks lend them on higher interest ?. Barring the above mentioned single entry in my CIBIL report, my credit track record is clean for last five years. But banks still refuse to lend, what should people like me do.

My submission is that firstly this system should be fought in the interest of common man. CIBIL and its members should refine their systems to ensure that habitual defaulters and fraudesters are kept out of the lending system at the same time genuine consumers are not harressed. There should be a grading mechanisim considering the value of disputes, over all credit record, reason for disputed enties etc.

I am willing to share all the documents i have on my case and i am sure there will be many like me who can do the same if there is any forum who are already fighting such a common cause.

Sir,

I have applied for a personal loan of Rs 3,80,000 in HDFC Bank and I do have a similar loan in HDFC of 2,50,000. I have an ICICI Credit card which had a limit of 95,000. Current Outstanding amount for Credit Card in ICICI is 20,000. I have requested ICICI people to convert this total outstanding into EMI's. They had a feature "SMART EMI". They converted the total outstanding into EMI's. EMI's were not yet started. When I applied the personal loan in HDFC, they received CIBIL report saying "CREDIT WRITEOFF AGAINST THE CREDIT CARD". My question here is When I choose a feature of ICICI to repay the outstanding amount of CREDIT CARD, how can the CIBIL says that its a WRITEOFF amount and hence the HDFC Bank had rejected my personal loan. Even the ICICI Bank people didn't update me saying if I enable this option it will effect the future loan applications. Now I'm helpless, so approaching the blog for a solution.

Thanks in Advance

Ravi Kiran
[protected]
ravi.[protected]@gmail.com

I am frustrated since I had applied for a small education loan amount of 88000/- from Credila, Nasik. I have been offered for a good education program of 6 months called "Diploma in business consulting" from Aegis school of business, Mumbai. Initially I had borrowed, home loan of 2,97000 & small consumer loan of 50000 of which I am paying regularly. However, credila team cited that My CIBIL report is showing 6,11,591/- amount of outstanding loans. I cross-checked when I obtained copy of my report from CIBIL that it has added home loan twice which is utter mistake.
Because of this erroneaous job, my application or loan has been held from sanctioning. Please suggest me how I should take on to CIBIL.


Nitin Deole
Aurangabad
[protected]

Dear sir,

almost a year back I have lodged a complain in CIBIL towards various discrepancies in my CIBIL report. I made repeted reminder to them since then but without any solution for this problem. I am helpless and requesting your mediation to resolve the issue.

I would be ever thankful if I get a solution to this problem through you.

The complain letter what I send to CIBIL dept year ago is enclosed for your perusal and consideration.

Rgds

Rajib Banerjee


************************************detail Letter to CIBIL*****************************************************


Ref: RB/CIBIL/05/10 Through : Mail/Courier

Date : March 22, 2010

The Managing Director,
Credit Information Bureau of India Ltd.,
Hochst House,
6th Floor
193, Back Bay Reclaimnation,
Nariman Point
Mumbai -400021

Dear Sir,

Re: My CIBIL report having control number[protected]
Ref: 1. My email dated 21.02.2010
2. My email dated 23.02.2010
3. Your Response no 149221 dated 25.02.2010
4. My email dated 26.02.2010
5. Your Response no 149221 dated 26.02.2010

As informed to you vide my earlier correspondences, mentioned above, that there is some serious discrepancies in my CIBIL report having control number mentioned in the subject line.

As you can see that I am corresponding with you for more than a month now but no development is evident from your end in this regard. I think you can understand that the matter is now deep concern for me as it is not only harming my financial reputation but my social reputation too.

Considering this I would like to request you to look into the matter very urgently and ratify the discrepancies in the above report at the earliest. However for your ready reference I am once again giving you the detail so that you can take quick action to eradicate the discrepancies in my above report.

In the middle of February I approached SBI for a Housing Loan, They denied they same because of my poor CIBIL rating. From the hard copy of the CIBIL report collected from the SBI Authority, I understand that there are lots of discrepancies in it. The matter immediately brought to your notice vide my above mentioned mails.

Understanding from your customer care service that to identify the name of member bank I need to apply for my CIBIL report through proper channel, I did the same and get my CIBIL report on 18.03.2010.
Based on the same I am giving below the list for which data are not matching with mine.

Sl No Data Mentioned in your report My Observation
1 Tax identification no. mentioned as ADMPB 6074D====== If it is PAN no, it does not belongs to me
2 Date of Birth Mentioned as 12.02.1973 ============== it is not My date of Birth
3 Correspondences telephone no mentioned as 23370788/ 25482087 ====This are not my Phone numbers
4 Address mentioned as Geological suviy of India NA27 chorori Lane, Kolkata==This is never my communication address
5 Address mentioned as Bhubigan Bhaban, Karunamoyee, Salt Lake, west Bengal 700091 ====This is never my communication address
6 Account No XXXX2400 under CITI Bank=== This account does not belongs to me
7 Account No XXXX6806 under CITI Financial==This account does not belongs to me
8 Account No XXXX2010 under SCB====== This account does not belongs to me
9 Housing Loan account no XXXX1011 in Union Bank of India====This account does not belongs to me
10 Account No XXXX7288 under ICICI====This account does not belongs to me
11 Account No XXXX0183 under SBI Card===This account does not belongs to me


It is also observed that when first time I got the CIBIL report from SBI, my Voter card number was not mentioned there in the CIBIL report but when you have send me the report, you have included the same, as I have enclosed Xerox copy of my Voter ID card as a identity proof while requesting for CIBIL report from you.

So it appears that basic information for data base is under your control only not to your member bank. So my earnest request to you to correct the basic information of my data base, I believe other financial discrepancies will disappear automatically.

However I once again want to request you to look into the whole aspect Urgently and give solution at the earliest.

Thanking You

(Rajib Banerjee)
6/4 Hari Nath Naya Ratna Lane,
PO- Shibpur, Dist – Howrah
West Bengal – 711102
Mob – [protected]
Email – [protected]@rediffmail.com

Cc: Customer Care Officer, SBI Cards Sir, Please give your feed back for point no 11 mentioned above.
cc Union bank Through union Bank web Site, Grievance addressal page
Cc: Customer Care Officer, SCB Through web Site.
Sir, Please give your feed back for point no 08 mentioned above.
Cc: Shri. C. V. George
C/o Reserve Bank of India
15, Nethaji Subhas Road, Kolkata-700 001
Tel.No.[protected]/[protected]
Fax No.[protected] For Information
Cc: Citibank N.A.,
Mail Room
No.2, Club House Road
Chennai - 600 002
Sir, Please give your feed back for point no 06 & 07 mentioned above.
Cc: ICICI Bank, Through Web Site.

Dear Sir/Madam,

I have made three credit card settlements in the year 2006 & 2007 & also taken the settlement letter from the concerned bank for the same. Recently i have applied for PL but the same was rejected as per the status shown in CIBIL. Apart from the credit card all my other loans are upto date and i am paying them regulary.

If the settlement of accounts are counted as defaulter then these kind of services should me removed from the system which is noting but cheating.

Hence request you to do the needfull / Suggest.

DOB:01091979.
PAN : ACSPN3995M.

In their credit report dated 27th Sept. 2010 (member reference[protected] CIBIL indicates that an amount of Rs. 491948/- has been written of by a Credit card company called "SHAHA" . To the best of our knowledge no company by that name exists for issuing credit cards and further we are totally unaware of any loan outstanding either. Despite several written attempts CIBIL fails to respond. For several months we are unable to reach CIBIL on the only phone number +[protected] given in their website. We live in Chennai so handicapped . Can anyone help ?

Dear Sir,


I have approached to SBI ( RACPC-RAnchi) for loan to buy flat at Kolkata.
Have submitted all the document pertaining to this. SBI have shown keenness to disburse loan against my proposal.
But as per SBI my CIBIL report is not clean. And told that CIBIL report showing WRITTEN OFF against un named credit card.
Bur sir , best of my knowledge goes, I did not keep any thing pending / out standing to any party like bank, service provider for service like credit card etc.

So pl cite me the details or kindly put remarks accordingly so that my CIBIL report will be clean . Note my PAN : ADMPM4661N

Awaiting for your immediate reply.

I ha d applied for home loan from LIC housing finanace and they got my CIBIL report which shows loans which has been foreclosed as still pemnding and also loans taken against my fixed deposits which in no way affects my credit rating as I may pay back or allow it to be settled against my FD.this type of report spoils the impression financial institutes get about individuals.
I think they should have penalty clause for institutes which do not show loan closure reports so that inspite of loan closure we have to run around to clear our name.

dr anup kumar lahiry
[protected]@yahoo.com

Hi Sir’s,

Name : Ramamoorthy. R
Loan# : LAN LTCHE[protected]
Bank : ICICI 2 wheeler loan
Vehicle# : TN-22 AY1027 (Bajaj Discover 125)
Pan# : AYIPR3027L
Address : 3/98 B, Madurai Veeran Kovil street, Medavakam, Chennai – 100.

I had taken two wheeler loan at ICICI, and I made all payment,
But unfortunately my last EMI was bounced, but I haven’t received any intimation from your end
I thought my loan was closed.
Now I have applied loan with some other bank, but the same was rejected by CIBIL due to unpaid loan with ICICI
So I have checked with your customer care and they have confirmed that Rs.2800/- is not paid
I have made cash payment immediately at your Teynampet branch in Chennai ( Receipt copy enclosed)
And requested to them provide NOC and send request to remove my name from CIBIL
But they have confirmed that NOC will take 15 days and CIBIL process will take 1 month.
I’m in need to have loan, hence requesting to dispatch NOC immediately and send request to CIBIL to remove my name.

Hence requesting to do the needful on top severity.

Thanks in Advance.

cibil has classified me as a defaulter on the complaint of SBI which was settled long back in 2006. amount is just 29375. i have availed and closed lot of loans after that. i have not cheated any bank but only banks have dissapointed me by their inefficient service. i was informed that even if i paid not settle this amount with SBI, there is no surety that cibil will remove my name from defaulters list. i am a victim o[censored]njustified business practices of this bank for which cibil is a accomplice.what is the remedy iam having.

Respected Sir,

I am writing this complaint and expecting a positive response.I had applied for home loan and my application got rejected as my name is reflecting in CIBIL.I had already settled my dues with the credit card company long time back,but still my name is reflecting on that site.If CIBIL is functioning in alliance with other banking and financial organisations its there responsibilty to keep there data updated and not to wait for the respective bankers to update them.I mean checking credit history is justified,however the data should get updated timely.I am requesting please help me to get my name removed from CIBIL.


Ashish.Pagare

May I know who has given rights to CIBIL to publish credit reports for the individuals seeking loan. Especially showing them as defaulters from the data received from their members, without sorting explaination from the individuals whose credit note they are publishing. Is it not their duty to give a chace to other parties to clear their position before giving their final report.

RE:Credit report dated 27th Nov,09, control number-41,35,45,290.

I hv applied for Home loan to and as per them the Credit report they hv recd from CIBIL is showing
some overdue payment of SOME Credit card Amt Rs 35,176/- as on dated 2nd July 2010 which was originated on 8th Dec 2004 of Rs 50,000/-.
But in my Credit Report provided by CIBIL there is NO mention of this.
Even after my several follow up & reminder by email CIBIL is not reverting with clarification & default details & I am unnecssaryliy sufering due to this.

I hv been trying to call CIBIL to seek clarification but it’s impossible to reach them thorugh phone…

What to do ??

I maild this mail to then near by 10 times then they reply me to submit detail tose details also i submitted near by 15 times stll they r not picking up nay call and not replying any mail
its a pig problem for my further oanl if they r ging to to do like this i case a file in court against then .
m mailing u the concer mails n converstion wat held between us

Fri, 19 November, 2010 12:28:30 PM
query for my over due payment

From:
rohit micheal <[protected]@yahoo.co.in>
View Contact
To: [protected]@cibil.com

Dear Sir,
m mailing you on behalf of Mr.Moemudeen S/o Hanif Khan Mehar had purchase a refrigerator on 2007 on installments ( from satyam electronics !st Road sardarpura ,jodhpur,Rajasthan ) and financed from OITI FINANCE by mistake i miss my last installment of Rs 725/- now It swowning in my overdue . i want to make it clear but now OITI finance company is already resolved and shop is also closed.

Pls resolve our problem we will be thankful to you
Pls Do needfull


Owner info
Mr.Moemudeen S/o Hanif Khan Mehar
Add. 81 sakina colony,Behind Geeta bhavan,jodhpur rajasthan
D.O.B -28.03.1961
MOB -[protected]
L.L[protected]


Thanks & Regards
Rohit Micheal
ALST / Dive Medic
[protected]@yahoo.co.in
MOB +91-[protected]
LP +91-[protected]
P Please do not print this email unless it is absolutely necessary. Spread environmental awareness. This e-mail contains PRIVILEGED AND CONFIDENTIAL INFORMATION intended solely for the use of the addressee(s). If you are not the intended recipient, please notify the sender and delete the original message. Further, you are not to copy, disclose, or distribute this e-mail or its contents to any other person without prior intimation and any such actions are unlawful. While InfocusRx has taken every reasonable precaution to minimize risk against viruses, we are not liable for any damage you may sustain as a result of any virus in this e-mail. InfocusRx reserves the right to monitor and review the content of all messages sent to or from this e-mail address. Views and/or opinions expressed in this e-mail are solely those of the author and do not necessarily represent those of the company

My name is Sunil Kumar. I have applied for car loan , but all banks refused to sanction loan based on CIBIL report. In my CIBIL report , it shows overdue of amount RS. 2,63,282.00 on a citi bank credit card (xxxxx7013). I never have this card.I also talk to Citibank regarding this and they say that this is wrong information in your CIBIL report. They also give me the full number of this card ([protected]).


I have sent mail 3 times regarding this to Cibil , but i dont get any response from CIBIL dept.


My Detail is

Name : Sunil Kumar
CIBIL Control No. : 44,99,16,002
CIBIL Member ID : BF99981013
Phone :[protected]
Mobile : [protected]

Cibil and ICICI bank people are making fool to the people by putting their name on defaulter list which is affecting our credit history. In my case I had no outstanding due for ICICI bank company, while applying for loan Today I came to know that my name is appearing in CIBIL which is quite questionable. When I tried to speak ICICI employees they said they don have my name in their database access which is not possible cos I have been using ICICI credit card and current account from last 7 years.

I am requesting all of you to check your name on CIBIL and take action again those who provide these kind of information to them.