Credit Information Bureau India [CIBIL] Complaints & Reviews

Sir,
I , Ashok Kumar Koul S/O Sh Janki Nath Koul R/o 360,Lower Laxmi-Nagar,Sarwal Jammu(J&K) having PAN CARD No. ADKPK3206H have applied for the housing loan to Punjab National Bank but same was rejected on the gorunds that I have been declared as defaulter on the reports of CIBIL. The CIBIL has told them that the official as mentioned herein has already taken personal loan and housing loan in 2001 & 2003 respectively which is quite surprising as I have not taken any loan. More over CIBIL has mentioned that the said person is defaulter in credit card also. It is worth to be mentioned that I have not taken any Credit card till date. As such it is quite surprising as what type of information is being provided by CIBIL.
It is therefore , informed that the detailed information in respect of the Loans and from which Bank they have been drawn with all relevant details be provided through the email only so that appropriate action can be taken and the matter can be solved at the earliest.
Regards,
Ashok Kumar Koul

Dear Sir,

I am working as teacher in Govt. school; I have applied for loan with SBI badli branch. They rejected my case due to some cibil problem, according to them there is one loan is running with one of the financier but that loan doesn't belong to me. For confirmation of that loan I have approach to the cibil by mail, they demand some charges accordingly I have made the DD and courier that DD to them. They confirmed me that they will give me the details within 3-5 days. But it's been more than two months I haven't received any mail or call from them, when I had mailed them they even doesn’t bothered to response to that. Finally I have to come to this step, for your knowledge I have paste the sent mail below.
Dear Sir/Madam,

With reference to your mail, we would like to inform you that it takes 4-5 business days inorder to process your request and you shall receive the copy of your credit information report within 5-7 business days post clearance of your demand draft.

Thank you.

Regards
Consumer Relations

Ps: Effective September 01, 2009 our consumer relations assistance number has been changed to[protected].

This document is classified as : (-) Public (-) Internal (X) Private (-) Departmental (-) Confidential

>[protected] Original Message[protected]
> From: bala.[protected]@gmail.com
> Sent: 30-Nov-09
> To: [protected]@cibil.com
> CC:
> Subject: information about loan

I have already requested to give my loan status nd also i have send my
documents nd demand draft in the favour of credit information bureau p.o.
box 17, mumbai on 10/09/09.
but their is no response from your side, because of this problem i'm unable
to avail personal loan from S.B.I,badli, delhi-110042.
i'm suffering from this problem from september..
plz do needful




This document is classified as : Private
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geeta balapls tel me ur no. so that i can clear my queries nd i hav send all my informa...
12/1/09

geeta balaLoading...12/1/09


Reply |geeta bala to info
show details 12/1/09

pls tel me ur no. so that i can clear my queries nd i hav send all my information 2 mnths ago including demand draft.. nd i hav got no results from ur side...


Reply Forward


Reply |geeta bala to info
show details Feb 1 (4 days ago)




On Tue, Dec 1, 2009 at 9:39 PM, geeta bala <bala.[protected]@gmail.com> wrote:

pls tel me ur no. so that i can clear my queries nd i hav send all my information 2 mnths ago including demand draft.. nd i hav got no results from ur side...



Dear sir,

It's been more than a month that i had send you the required documents along with the DD as required by you. But i have not received any further comunication.
Now it is not the matter of loan it is about my credibility. I have not taken any loan which is showing into my credit history with you, if you have any details which was given to me by SBI that a loan reflecting into my cibil which is not belongs to me, please give me the details otherwise remove that loan from my cibil.

Looking for a fast resolution from your side within a stipulated time, because previously you had given me 5 days time but i have not received any mail or call from your side. I think you are into service industry and you people are representing a good company.

Please look into the matter.

Thanks & Regards,

Geeta Bala

SIR.
I MR. WAMAN MAHADEV SANGLE HAVING PAN NO. ADRPS7954F AND HAVING MEMBER ID HF63071057. HAD APPLIED FOR HOME LOAN AT HDFC BANK AND HAVE GOT THE CIBIL REPORT OF MINE FROM THEM SHOWING SOME INFORMATION THAT IS INCORRECT AND UNKNOWN TO ME.

1. GUARANTOR FOR LOAN OF 50000/- TAKEN ON[protected], AND SHOWING OVERDUE IN THE SAME. OF RS 34058/-

2. GUARANTOR FOR ANOTHER LOAN OF RS 50000/- TAKEN ON 31.03.2003. SHOWING OVERDUE RS 12736/-.

3. GUARANTOR FOR CONSUMER LOAN AMOUNTING TO RS100000/-. OUTSTANDING RS 89322/-.

4. GUARANTOR FOR HOUSING AMOUNTING TO RS 125000/- TAKEN ON 24.02.2004.

THESE ARE THE ENTRIES IN MY ACCOUNT WHICH ARE UNKNOWN TO ME, THE OTHERS ARE ACCEPTED LIKE THE CREDIT CARD OUTSTANDING AND HOUSING LOAN OF CITIBANK.
WOULD WANT YOU TO LOOK INTO THE MATTER AND EXPECT THE FEEDBACK AT THE EARLIEST, AND IF THE INFORMATION STANDS ACCURATE WOULD WANT THE DETAILS OF THOSE WHICH STAND CORRECT, ...
THIS IS FOR YOUR INFORMATION.

REGARDS.
WAMAN MAHADEV SANGLE
PAN NO. ADRPS7954F
AD. A-304 ARCHIS CHS,
OAK BAUG NEW STATION ROAD,
KALYAN WEST. DIST- THANE.421301.
MOB- [protected].

RESPECTED SIR,
THIS IS WITH REFERENCE TO MY PAN NO AAUPS9002L DOB 12.04.1952.

IN THE CIBIL REPORT GENERATED BY YOU IT IS COMING UNDER THE HEADING SCORING FACTORS THERE IS WRITTEN PRESENCE OF A TRADE LINE WITH WORST STATUS IN THE PAST 6 MONTH, LOW PROPORTION OF SATISFACTORY TRADERS,OVER DUE AMOUNT TOO HIGH.

PLEASE LET ME KNOW THAT WHICH SERVICE PROVIDER/BANK/CREDIT CARD ACCOUNT HAS PUBLISHED THESE STATEMENTS. I HAD NEVER TAKEN ANY PERSONAL LOAN FROM ANY BANK.

PLEASE LET ME KNOW THAT IN WHICH BANK PERSONAL LOAN ACCOUNT I HAVE OVER DUE AMOUNT TO HIGH, NOT ENOUGH AVAILABLE CREDIT, LOW AVERAGE TRADE AGE,TOO FEW SATISFACTORY BANK CARD ACCOUNT, PRESENCE OF DELINQUENCY.

PLEASE GUIDE ME WITH THE SAME.

Dear Sir,

I applied for a Home Loan in State Bank of India. SBI did a CIBIL report enquiry, and they said that there an overdue of Rs. 4,293 shown in my account and hence the loan cannot be processed.

When I checked the report, the Date of Birth, Phone numbers, Pan card and Passport details are mentioned wrong in that. So, I told SBI that the report is not mine but they asked me to contact CIBIL.

Then, I contacted CIBIL, they asked me to buy a copy of the CIBIL report.
I send them a DD of Rs.142/- and bought the report. The report again had the same wrong information. When enquired, they said that the details are updated by Bank and they do not have any control over it and I have to get it rectified with the banks who updated it.

I can contact the bank to correct the balance details or the account details. But, which bank can correct my date of birth and pan card details in my CIBIL report ?

This is a clear negligence by CIBIL personnel.

My CIBIL Control number is[protected] and Member id shown in the report is ZZ99981004.

Looking forward for an immediate response from you, as my home loan process has been halted because of this.

Thanks and Regards,
Senthil Kumar

Dear Sir/Ma'am,
I came to know about you when I was going thru consumercomplaints.com.

My problem is related to CIBIL. 10 days before i have applied for home loan. During processing, bank verified my CIBIL report.My CIBIL report mentioned Rs.16000 due on my name. I enquired and came to know that this due is on ICICI credit card which is not related to me and issued on Apr 2007 but i got my PAN card on May 2007. I talked to ICICI bank and came to know that my name and date of birth are same with that person to whome that card was issued. An that credit card was issued at Delhi location but i stay in from last 5 year Pune.

I raised a request to ICICI bank to resolve the problem. ICICI bank told me that it will take 2 days but after 2 days they said it will take 7 days. After 7 days they said after their investigation is over and report has been sent to CIBIL that my other details are not matching (except name and date of birth) and it will take 3 days more because CIBIL is going to clear you.But ICICI bank is not ready to send me clearance report according to their investigations

Here i am suffering due to bankCIBIL mistake. Now what should i do because Builder wants money and my loan lender(HDFC BANK) is going to increase after 31st JAN 2010.

Shuls i file any case or should i send a notice to ICICI bank .I am going through mental tension.
Please guide me.Please mail me the resolution also.

My details are:
Amit Modi
contact no . [protected]
City: Pune



Regards,
Amit Modi

Hello Sir,

I had few disputes earlier as I took Personal Loans but I have settled all of them and also have the settlement letters from the banks. Recently I applied for Car Loan but it has been rejected because of my bad credit score. Please let me know that how will I get out of this CIBIL and when can I apply for the car loan next.

Thanks,
Raktim Sengupta

I was shocked to hear from the bank that my name is in the defaulters list of CBIL. I hv paid and settled all my dues till date with concern financial institutions and bank.
On top of that I do not hv any clu to know which bank has put my name in this list and why

Pls advice the way to solve this issue.......................

Do not be surprised if your loan application is rejected even after you have paid off your much due credit card outstanding balance. The bank might have called you and given you an option where you could just pay a specified sum, in return for a settlement letter. Once you do that and get the settlement letter, it doesn’t for a moment mean that the slate has been wiped clean. You apply for a personal loan or a home loan and the lender will simply let you know that it isn’t interested in lending to you because your name comes up in the Defaulters list on the Satyam or CIBIL list.

When you go in for a settlement, banks can and will legally report you as a defaulter - to the extent of the dues foregone by them - at the credit bureau. All details concerning your default stay at the credit bureau for 7 years. You must understand that you CANNOT remove your name from this defaulters’ list. It will be removed from the list only after seven years, provided you do not default on any subsequent loans (if you manage to get it, that is). What you COULD do is to try applying for a secured credit card - a card that is offered against your term deposits at the bank. This type of card is available at many banks. Build a good credit record with it. This will not remove your name from CIBIL defaulter list but it will improve your credibility in your credit report. This would also increase your chances of getting credit facility from various banks at decent terms in future

I have availed a personal loan from HDFC Bank and I also have their credit card. I have been paying them properly. then an executive from their personal loan department called me and offered a top up of the loan and collected application and other documents from them. then they informed me that they cannot sanction the same due to bad CIBIL Report. So I applied for the cibil report along with the fee payable to them for the report. I found no credit score of mine in it. I have read somewhere about it. Then on one particular date four different addresses supposed to be mine are reported to cibil by HDFC Bank. 2 of them are not known to me and I never heard such a place. On that particular month HDFC bank made enquiry of my credit report for 6 times and I have only one application submitted to them. I have asked them who such addresses came to their database? Why six reports generated? No proper answer either from cibil or from HDFC Bank. Cibil advises to meet hdfc and they in turn advise to meet cibil. When i gave a notice to hdfc they now says you can approach banking ombudsman. Earlier my credit card was upgraded by them and the report still shows the old cancelled card balance still outstanding from 2005 onwards. their credit card department so far not replied to my complaint. it seems that i can live the rest of my life for sorting out the errors of my credit report. JAI NEW GENERATION BANKS AND NEW CREDIT REPORTING AGENCIES AND OUR ADMINISTRATORS.

Sir/ Madam,


HSBC has charged More then Rs.1000/ - on non payment of Pertrol surcharges Rs.50/- later on this matter sorted out (as per mail with me ) but after some on my request they have cancelled my card but after 2 years now I know that some Rs.5053/- will imposed as written off in my credit card account.

Now HSBC replying my mail by saying that nothing is due on me but they don't have any procedure for issuing NOC certifcate and also not updating CIBIL reocrds.

I have no way to how remove my "Red Marked" remark on my creditbility report.

This system showning us that in INDIA such institution (MNC's) playing bad roles with citizen of india and we don't have option to protect themselves from such harrshment.,

My small home loan stucked and my life dream to purchase a small house also go down due to that and no body (CIBIL / HSBC / Banks) ready to listen my request and Bank and CIBIL also not acknowledging the HSBC recent mails to me in which they have mentioned clearly nothing is pedning on my account.



with thanks,
Sundeep Gupta
[protected]

Sir,
I applied for a home loan to a financial institution, they found all of my submissions is OK, but my CIBIL report is not satisfactory, and the said loan not only held but also in question. As per CIBIL report noting from the said financial institution the observations writing here under with my opinion in this respect.

1. My passport no. AIYPA5016G

2. There is my another postal / residential address, 34/1, Dr. Gangadhar Mukherjee road, Ramkrishnapur, Howrah 711101,

3. There are two credit cards has been settled by me with current balance Rs. 24,906/- & 36,492/-

4. One personal lone sanctioned amount is Rs. 21,700/- as per reported current balance Rs. 14,444/-

5. One consumer loan sanctioned amount Rs. 67,000/- As per report current balance Rs, 39,105/-

6. There are nos. of enquires 8 nos. year 2007. In the year 2008, Personal loan 2 nos. and housing loan 1 no. total 3 nos. In the year 2009, personal loan 3 nos. from 2007 to Mar, 2009, total 14 nos.

My opinion as per Sl. of observations:

1. I am not bearing any passport.

2. I am residing and my postal address is 15A, Narasingh Av. Kol - 74, since 1975, I never used or put any other address so far, It might be some body or others done this saying to deafen me or in some ill motive.

3. I belongs two nos. credit cards one ICICI bank & other AXIS bank, due to non availability of accounts statement i could not pay any money for last few months, but i am sure i did not make any settlement with the said two banks.

4. My personal loan ( GE money ) loan amount Rs, 21,700/- I am paying regular EMI from 7th. April 2008 to Dec, 2009. The remaining balance does not tally with the actual account.

5. It is not a consumer loan but a personnel loan of Rs, 67,000/- to HSBC. I am paying regular EMI from 10th Jan 2008, to Dec, 2009. Remaining balance does not tally with the actual account shown.

6. I do not remember so many applications for loans credit card etc. ( 14 nos. ) it might be done by some body or others with ill motive & use my documents at the address of Howrah-71101, mention in observation Sl. no. 2.

I am putting here all the facts to clear the clouds of the said observations raised by concern financial institutions.

If I will not get any answer within 15 working days, then I will consider I am not victim of all the reports will ever has been shown in CIBIL will not be valid.

Thanking You,
Your's Sincerely,

Shyamal Aich
15A, Narasingh Av.
Kolkata 700074,
Email add. shyamal.[protected]@yahoo.in

Sir,
I have applied for a Home Loan. I am surprised and shocked to learn from the said Credit Authority that there are two PL s and Credit Cards overdue in the Cibil Records. My knowledge regarding this is very clear and transparent that I have two Personal Loans and they are running very smoothly without any defaults till date in paying the EMI s. I agree this fact regarding the Credit Card issue. Hence I need clear information regarding the Personal Loan, which is being recorded as overdue. I want this issue to be resolved right away because it is badly affecting my proposed Home Loan, for the said discrepancy in the Data uploaded in The Cibil Record

Thanking you
Shyamal Aich
Contact no-[protected],[protected]
Email-shyamal.[protected]@yahoo.in

Sir
CIBIL is nowhere helpful in solving the finance default cases.Instead of blocking once account under the pretext of bad credit.The financial institute must verify the genuiness of coustomer well in advace.It is not necessary that a defaulter at one Bank will loot the other Bank also.RBI should at once desolve this CIBIL and give the Bank more teeth in collecting the dues .

Hi,

Pls help me in finding these details asap.

I had a credit card of your bank in my name long back in[protected] or[protected]. I had helped one of my friend in his rough time with that card. Unfortunately, he was unable to pay on time and latter on the card payment was settled in 5 0r 6 instalments by him. By this time I had shifted from this place (C-3/15, Janak Puri, New Delhi-110058).

I am a preferred customer of my bank.

I want to know the details of that account against this Credit Card, as I have came to know through my banker only that their is some negative report in CIBIL. To my surprise I have availed loan (Car Loan) only twice in my life out of which First was prepaid in 2003 (One and a half year before the tenure ends) and Second is successfully being paid and in this also I have paid extra one lac over and above my regular EMI's.

I do not remember my Credit Card Number.

My details required are
Name Vishal Vaid
DOB 18th June 1971
Place New Delhi (Janakpuri) C-3/15, Janak Puri, New Delhi-110058
Mobile +[protected]



I would like to settle this account,



Pls help me in this regard,


Thanking you in anticipation,

Regards......


Vishal Vaid
[protected]@yahoo.co.in
+[protected]

Hi,

I applied for a car loan and surprised to find that there is credit card due shown on my name in cibil for the year[protected]. I don't have any idea about the same. I used many 2-3 credit cards during that period and made all the payments.

I would like to know who is going to check the sanctity of the data uploaded in the cibil. As it is open to misuse by bank. At times the bank make mistekes for which a person with good credit record may have to undergo the harassment.

Please suggest what to do.

Pankaj

CIBIL is a bottle neck in smooth functioning of sanctioning loans to sincere customers.
Actually, I am credit card of standard charted bank since 2000, I am paying all the dues in time to the bank.

Due to information given by standard charted bank to CIBIL, my housing loan is not sanctioned,

For instance,

[1] CIBIL Request # 38643 is pending from September 29, 2009 for a decision to me. Actually, I applied a housing loan in the month of September 2009 with Axis Bank. Axis Bank told me there is an outstanding EMIs are showing unpaid by me to Personal Loan Account: 46820744 of standard charted bank. However, I paid all outstanding to this personal loan account in the month of May 2009.

[2] I sent an Email on November 18, 2009 to CIBIL for clarification of CIBIL control number[protected] which was generated by HDFC Bank. not only this, CIBIL is also not responding my query.

Now days, No bank will sanction Housing Loan to me unless my CIBIL credit report is not clear.

Question arises, are all banks working in a good manner always? Sir, I my view, CIBIL is a full proof drama of Banks to harsh any sincere customers like me. It can be a monopoly of banks to harsh some one deliberately, if proved, what are the punishment for banks, and what are benefits for harassed one.

My humble submission with Related Authorities is that-

[1] CIBIL forced to reply within 24 hours to the customers

OR

[2] Close CIBIL drama to harsh of the customers.

Related authorities are requested look seriously in this matter.

VED PRAKASH
[protected]

This is what happening to me that I requested for CIR( Credit Information Report) firstly two months back with all the documents duly filled and a demand draft of 142 Rupees, but all gone in vain as I asked after facing long holding on customer care on phone they have not received the documents and more suprisingly to know that they have no acknowledgement system for any document they receive. Then again I sent duly documents with new demand draft of Rs 142 SECOND TIME and got it confirmed that it was received. And since a month I am waiting again for CIR but it is not received yet. Their customer care do not pick the phone even you hold for an hour. Nobody can insist CIBIL to give the report. They do not answer to your emails. They keep repeatidly saying that you will get your CIR after 10days from it receive. They do not listen and nobody can compel them because "CIBIL is not a PUBLIC AUTHORITY under section 2 of Indian constitution" what they say!

Hi All

Recently i applied for home loan which got rejected because they told in CIBIL report my name is reflecting as a defaulter.So after struggling a lot finally i managed to get the CIBIL report by paying Rs.142/- towards CIBIL,i was surprised to see because the report says i am holding aa Axis Bank credit card but in the borrower information there it was mentioned some other name.Same thing i discussed with CIBIL which they refused that they are not bothered about all this information and asked me to consult AXIS bank for the clearence letter.So now my headache started with AXIS bank i used to drive 4 to 5 mails daily in order to get reply from them.After 1 month i got a call from AXIS bank and they told your sal slips were frauded and so the credit card is in your name and again after some days i got one more call and they told that you are not the owner of the credit card.So i asked them to drop same thing in the mail so that i can proceed with my home loan because we need to produce this clearence bank to the respective loan bank in order to proceed our loan further but after that there is no reponse at all from the AXIS bank and i even complined to the CIBIL also i used to put CIBIL mail id whenever i used to drop mail to AXIS bank but there is no response from both of them.
In course of this time i lost lot of money and underwent lot of pressure from the builder to pay the amount as he is least botherd about the delay of the loan.Only GOD knows how i managed and stood hard and still fighting for the clearence letter.
Because of this type of misleading rules and iliterate people it makes to loose faith in India.

Sir / Madam ,



This is extremely astonishing that I have not received the NOC till the date. I have been chasing Barclays from last one month but nothing seems to be working out. Will you plz tell me how it was sent to me? Was it a courier or through speed post? You guys have been fooling me around from last 1 month and now all because of you people my application for loan from SBI has been rejected & simultaneously I have been deprived of all benefits of discounts because o[censored]nnecessary delay at your end. Why the hell the record in CIBIL has not been updated by you people till now when all dues were cleared? Why the hell am I to face all the problems because of your fault? Now the water has gone above my head, I’ am forced to take a legal action against the Barclays. Contact me immediately or face the court.

I have the details of every mail to track my request for NOC.

On a very displeasing note,

RVN
[protected]