Credit Information Bureau India [CIBIL] Complaints & Reviews

It looks like nowadays banks are taking customers for a ride and using CIBIL as a method
of torture. we should all unite to fight against this. do keep our mails in store and we can discuss how we can fight them

best regards
rajen v nair
[protected]@hotmail.com

Hi,

I recently applied for a car loan and to my surprise i was blacklisted by CIBIL. I just want to make the following points sound and clear to the banks as well as CIBIL as well as to our government which first needs to act upon such organisations....

1) what has CIBIL done to educate the masses of determining each individuals credit rating? There is no way that CIBIL can blindly believe banks ( especially Credit cards) since the amount of agony a credit card creates its not worth ever looking at a persons history in repaying them.

2) CIBIL does not consider any loan repayment record and blindly only goes by credit card repayment. Credit card is not a gift from anyone that we are bound to pay whatever the bank charges. If they charge exorbitant rates of interest, it does not mean that a foolish indian citizen has to pay it. It works for fools of other countries that only live on credit cards.

3) Banks like ICICI are creating a blunder just by going into CIBIL records cause I am a customer of ICICI for the past 10 years and have cleared 3 loans without any hassles but recently when i applied for another loan i was surprised they do not go by my track record on loans but only CIBIL report. No wonder they are running under loss but do not want to show it. I am sure they are heading to another Leahman Brothers. Dont be surprised if you hear that this bank is closed down!!!!! so investors start removing your funds if you have invested here......

4) Lastly i was sufferer of Credit cards and i made it a point not to own any credit cards in future. But the irony is that our country has started depending on Credit Cards which is bad sign to our economy. Is our government promoting such things...... what a shame!!!!!

An apeal to the government is to stop such organisations which are promoting credit cards ..... very soon we will start hearing news that people commit sucide due to wrong credit ratings in CIBIL which would be the worst to happen to a country like ours.

Regards
Vijay

In regard my name lisited in cibil

Dear Sir,

This is your kind information that i took only one credit card but now cibil list show more than one
please give me proper record

NAME : N.BABU
PANCARD NO : AKYPB9428R
D.O.B. : 24.12.1971
Thanking you
(N.BABU)

Dear Sir

This is for your kind information that i was really shocked to know that my name was mentioned in the Cibil list as i have not taken any loan or i do not have any credit card pendings to be paid.

This is causing me a great problem as my company is refusing to give me an I.D card which will result in loss of my Job .

I really do not know how to proceed in this regard
My details are as below

Name - K.G Maneesh
Pan card no - ANPPM5610G
D.O.B[protected]
control no[protected]

Awaiting a Justice
Thanking you
K.G Maneesh

Sir

I am one of the consumer badly affected by the dubioely us minded authorities housed in CIBIL.

I have sent dd for Rs.142/- to CIBIL a month back to get the CIR from them. Utusnfortunatrly, till today I hv neither received the CIR nor I was able to speak to them over phone to know the status.
I hv been trying to contact them since morning but only lgetting a voicemail and my telephone bill goes up because of this waste of time.

When CIBIL authoriities are very particular to harass the customers by not allowing them to get a loan or credit card in case if they are in the defaulters list, why not we customers take up this issue to whomsoever concerned. The Info.@ cibil.com mail never gives any response. It is equal to the voice mail in a telephone. We have never seen any Company not responding to customers continuously for even a week.

WHO WILL HELP NUMEROUS CUSTOMERS LIKE ME TO OVERCOME THIS CRISIS?



BEST REGARDS


SURESH

Is CIBIL authorised by RBI? Who checks the default before spoiling credit rating of an individual? Why should CIBIL not try to settle the issue or intimate the borrower and ask for borrower's clarification before spoiling his credit rating publically? How can the Credit Card providers force the consumers to default first and charge any amount on account of defaults thereafter from the consumers.

Credit Card is a business of the bank, who is CIBIL rate my credit worthyness? Are we living in a democratic country?

Some one should take strict action and help close CIBIL or formulate some way to address consumers' response to evaluate the sustainablity default reported by the banks/financial institutions.

Best regards
Sandeep Aggarwal

I applied for an Education Loan for my Son for BE Engineering at SBI, Near LIC Bldg, Mount Road, Chennai on 17.08.2009. The loan was rejected due to a nagative report from CIBIL. As per CIBIL report I am a defaulter for Credit Card. As per my knowledge I have settled all my Credit Card Account. I am not a defaulter to any bank. Kindly send my Credit Inforformation Report by Email. I am from poor family. I could not remit fee for engineering for my son so that he cannot join for BE Engineering for this year. A nagative report from CIBIL or Bank spoiled my Son' s future even he scored good marks in +2. As per press news Government sanctioning Education Loan easily but it is not getting to poor people

Kindly send Credit Information Report

M.Radhakrishnan
DOB 01.04.1957
Pan Card NO AHAPR5177L
10/567 Mughapair East, Chennai 37
Email. [protected]@gmail.com

Myself had applied for a car loan recently.

i was shocked to hear from the Banks (state bank of india, tata finance) that i had overdue in the CIBIL.

i have paid and settled all my dues till date and have the settlement letters from the concerned financial Institutions & Bank on their letter head that the full & final settlement has been done and there are no dues pending from my end.

i do not know which Financial Institution has reported my name in the defaulter list with overdue.

This is utmost unfair for a customer who is sincere and has settled all the dues and has never defaulted in any way.this has given me a shock and my blood pressure has got effected !! i want corrections and action against this i want legal action aand want to file comaplin case against this !!

i have never received any information from CIBIL asking for a confirmation if the name of a customer is listed in defaulter list whether is it correct?

i seek justice to get my names removed from the defaulter list and as such no overdue are present with an immediate effect.I'm ready to give all the proof and settlement letters issued by the concerned Financial Institutions provided we are given the details of the same.

Please help me.

Looking forward to a suitable action at the earliest form your end.

Regards
Sujata singh

Hi All,

I recently applied for a Standard Chartered credit card and they rejected it saying that, according to CIBIL, I dont meet credit card requirement norms. How can I check whether my name is there in CIBIL or not? I need some help in this

-Shreejith

I had applied for a car loan of Rs.2, 25, 000 to SBI SPL housing finance branch Gurgaon. The bank has reported that my PAN card survey was showing a business loan guarranty against my name whereas, as far as my knowledge goes there should be no such guarranty against my name. The bank has reported that CIBIL India is showing this figure against my control no.[protected]. Your intervention is immediately needed in regard.

Hello,
My Name is Saurabh Saxena, a Mumbai resident. I had applied to a salary account with HSBC Bank in Sep 2008 which was rejected saying that I have a defaulter record in CIBIL. When I tried to check with CIBIL, they asked me for a Control number. I requested HSBC for the control number but they never gave that to me. I kept on going back and forth between HSBC and CIBIL but in vain.
I applied for an education loan 2 months back with SBI and my loan got rejected on the same account(cibil). Today, I am struggling to fund my higher education and my career is surely at stake. If I had been given the control number in time, I may have been able to clear my name in CIBIL and have got the education loan approved which now, no bank is ready to approve.
Kindly look into the matter as I would want a compensation from the guilt party (CIBIL/HSBC) who has kept me from "Right to Information".
I have also attached some of the communication between CIBIL, HSBC Bank and me for your reference.
Thanks & Regards,
Saurabh Saxena
[protected]

Respected Sir/Madam,


I had applied for a personal loan at Barclays finance about 3-4 weeks ago. The Loan got rejected due to reasons based on the CIBIL report. I spoke with the branch manager (Hritika) and requested for a copy of my CIBIL report. However, accoring to her Barclays Finance has a policy of not issuing any such document to it's customers.

I had gone through the CIBIL site and what I learnt was that; If a customer requires his CIBIL information he can request it from the bank that his/her loan got rejected from, if that was based on CIBIL.

Apart from the pathetic customer service displayed by every employee that I interacted from this Bank they also fail to adhere to the rules and regulation laid down by the RBI.

This is the Trimulgiri branch in Hyderabad (AP) and the people I interacted with were Feroz (executive) - who aks for money to get things done illegally, Poornima (Co-ordinator - i guess) who is very unprofessional with the customer and Hritika - Branch Manager (who hesitates to disclose her name to the customer and expect them to believer her, has no clue of how to manage a branch and is not aware of the terms and conditions laid down by the RBI in relation to the CIBIL).

I request you to please look into this matter. All I ask for is a copy of my CIBIL report since I got different answers for the rejection of my loan from the executive and the branch manager. I can trust neither of them as they seemed to be adiment on not giving me a loan.


Regards,


Syed Ghouse
[protected]

Dear Sir,

I have applied for a personal loan in Axis bank. They denied the loan due to low credit rating (756 points) in CIBIL report. They also informed me that there is an overdue on a credit card.

On 14-Jul-2009m I requested CIBIL to provide me the details of the report (control no:[protected]. Then CIBIL replied with the following:

AccountNum: [protected]
Reported By: SCB
Account Type: CREDITCARD
Ownership: INDIVIDUAL
Date Reported:[protected]
Open Date:[protected]
Amount Overdue: 4, 397
Account Status: Written Off

Actually I made the payment of Rs.4, 436 (including Rs.39 towards charges) on 12-Feb-2008. But the Standard Chartered Bank did not update these details in CIBIL.

When I contacted SCB call center, they told that there is Rs.25 outstanding towards some charges on my credit card. I do not know why they charged it even i paid Rs.39 already.

Then I asked them about CIBIL. I made number of calls and sent many mails to the bank on updating the CIBIL. After 2 weeks or so, they said they reversed the charges and arranged the CIBIL update.

Expecting an increased credit score, I applied for the loan again in Axis bank.

The loan request is again denied due to low score in CIBIL. The Axis bank people said that SCB credit card now shows Rs.25 as overdue (not 4, 397) and also shows as the payment is pending for more than 150 days.

This time, to my shock, the credit score is just 642 only (112 points less than previous score).

When SCB updated my last payment in CIBIL, why the credit score has lowered?

I have requested CIBIL to provide me the details of the new report. Waiting for their reply.

Can somebody help to let me know how CIBIL calculates the score and why my score has been lowered?

From,
Abhishek S. Mate,
2 / 47, sagargeet nagar
B.P.T. colony,
Worli willage,
Mumbai-400030
Date: 31/07/09




To,
Barclay Card
Ms.Meera Rawat,
Head Service Governance-Retail Banking & card (India)
Barclays Bank PLC, Retail Banking Division,
601/603 ceejay house, Shivsagar Eatate,
Dr, Anni Besant Road, Worli, Mumbai-400018.

Sub: Requesting to delete my Profile from defaulter list in CBIL or update the status about my Payment. Because of I have been settle amount to your (Barclay PLC) bank. Here I am sending the attach copy of settlement latter and CC this email to CIBIL.

Respected Sir/ Madam,

I the under signed person Abhishek S. Mate, was holding the Barclay credit card (card no [protected]).But due to some misunderstanding between me and the Barclay bank, I caught in defaulter in CBIL records. But I have been settle my amount to the bank on dated 06/01/2009
I am writing this letter requesting you to please informed about our settlement to CIBIL.

Please do the corrective action & reply as soon as possible to avoid any wrong consideration about my Profile in present as well as future.
My Personal details are Bellow:-

Name:- Abhishek S. Mate.
Permanent address- Same as above
Temporary Address:- Bldg No-66, B-Wing, Flat no-503, Dhananjay Co-op Housing Society. Behind Muncipal School, Tilaknagar, Mumbai-400089
Phone- (o) [protected]
Barclay card num- [protected].

Regards, Abhishek S. Mate.

Dear Sir/Madam,

Please revert on your contact details and address to dicuss this issue. During Housing loan verification with one of the reputed bank they forward me my cibil report in which there are 6 credit cards shown either closed or written off and want me to give justfication for the same.

As per best of my knowledge I have closed all these cards and written communication from banks are still awaited. Please find attached report for your ready reference. you are requested to provide me all the credit cards nos which is not reflected in this report and guide me to clear all these cases from my cibil report.

Thanks n regards

Vinayak desai

CIBIL report from the Bank :-

These cases are as follows.

1)...
Payment History Start Date[protected] Payment History End Date[protected]

Member Name ICICI BANK Opened[protected] High Credit 63186
Account Number [protected] Last Payment[protected] Current Balance 10107
Type of Account Individual Closed Overdue
Type CREDIT CARD Suit Filed Written Off(WO) Reported[protected]
DAYS PAST DUE / ASSSET CLASSIFICATION
[protected] XXX 171 004 XXX 003 003 XXX XXX 000 XXX XXX XXX
2...
Payment History Start Date[protected] Payment History End Date[protected]

Member Name NOT DISCLOSED Opened[protected] High Credit 41407
Account Number Last Payment[protected] Current Balance 41407
Type of Account Individual Closed[protected] Overdue 41407
Type CREDIT CARD Suit Filed Written Off(WO) Reported[protected]
DAYS PAST DUE / ASSSET CLASSIFICATION
[protected] 060

3...
Payment History Start Date[protected] Payment History End Date[protected]

Member Name ICICI BANK Opened[protected] High Credit 19157
Account Number [protected] Last Payment[protected] Current Balance 9157
Type of Account Individual Closed Overdue 4000
Type CREDIT CARD Suit Filed Written Off(WO) Reported[protected]
DAYS PAST DUE / ASSSET CLASSIFICATION
[protected] SUB SUB SUB STD STD STD SUB

4...
Payment History Start Date[protected] Payment History End Date[protected]

Member Name NOT DISCLOSED Opened[protected] High Credit 30588
Account Number Last Payment[protected] Current Balance 19901
Type of Account Individual Closed Overdue 7045
Type CREDIT CARD Suit Filed NA Reported[protected]
DAYS PAST DUE / ASSSET CLASSIFICATION
180 XXX[protected] [protected] [protected]

5...
Payment History Start Date[protected] Payment History End Date[protected]

Member Name NOT DISCLOSED Opened[protected] High Credit 493
Account Number Last Payment Current Balance 321
Type of Account Individual Closed[protected] Overdue 88
Type CREDIT CARD Suit Filed NA Reported[protected]
DAYS PAST DUE / ASSSET CLASSIFICATION
[protected]

6...
Payment History Start Date[protected] Payment History End Date[protected]

Member Name NOT DISCLOSED Opened[protected] High Credit 9139
Account Number Last Payment[protected] Current Balance 9139
Type of Account Individual Closed[protected] Overdue 600
Type CREDIT CARD Suit Filed NA Reported[protected]
DAYS PAST DUE / ASSSET CLASSIFICATION
XXX

I am really worried on the ratings given by CIBIL for Personal Loan Consumers like me as it is CIBIL which adds difficulty to any person like me who has defaulted even a Single EMI towards Personal Loan (or) Any other loan. The reason being, I am paying Rs. 8, 659 towards 3 Personal Loans every month. For the last 2 to 3 months, I am facing difficulty in paying the same amount due to some personal commitments. I thought of taking a single personal loan that covers the total outstanding repayments of my 3 loans. If I do this way, I can write off all my three loans at a time and pay around Rs. 3000 (Approx) for the loan I thought of taking. Paying Rs. 3000 Per Month is more easy for me than paying Rs. 8, 659 Every Month.

I could not take a loan as I planned as all these EMI bounces are recorded in CIBIL and Financial Institutions are very much keen on the repayment history in CIBIL, and does not think about the benefit of Personal Loan customers like me.

CIBIL and Financial Institutions must think of this problem and must do something. I hope, All loan defaulters will agree to what I am writing here.

My name is Venkateswara Rao GORTI working as Project Manager in Mobily Infotech. When I am in Accenture I taken this Credit Card No [protected] and I got 400/- rupees as extra charge as Interest including the late payment fee. I called up the customer care they told me that they can not do anything. I sent out mail at that point of time. Remaining amount I paid and I scrapped the card with out paying this 400/- rupees. Then I went to US and come back and planning to purchase a New Car and I applied for SBI CAR loan then I got to know that I am defaulter of the SBI. which is not actually right. Please help me what is the exact status and how to over come on this.Because SBI is not provided the loan to me then I took it form HDFC.

Hi,

My Member ID is BS00011016, Control Number : 39, 70, 34, 564

I applied for home loan transfer from ICICI to SBI however as per CIBIL report one of the accounts shows around 48, 394 written off on some Credit Card.

I have no information regarding the same and want to know which Bank Cr. Card we are reporting here and what are the details around it so that I could get clarity from the required bank referring CIBIL report.

As far as my u'standing ...there is no cr. card balance due or pending with me.

Could you please help me with the required information regarding the reason for written off and more details as soon as possible.

Appreciate early response.

regards,
Pankaj Dobhal

I am a business man and I have applied for a Maruti VAN Cargo Loan to HDFC Bank Ltd. one

week ago but somehow it is not sanctioned due to CIBIL Information as per Banker.
As per Banker I am not paying Rs.2, 00, 000/-, Rs.70, 000/-, Rs.10, 000/- and did a default.
But as a reputed Social Business Man till today I am not involved in any kind of settlement

and there is no due is pending on me by any Bank.

Infact, these people are not updating the complete details

Please request you to please kindly intervene and do the needful.

Alim Ahmad
[protected]

My report on CIBIL is incorrect, due to which many of my loan and credit card requests are rejected. This is happening since last 4 years and I am really suprised why this is against my entry. I duly accept my credit transaction in the period of 2002-03 was not appropriate but now i pay all my previousl loans on time. There should be some time period to impact the credit rating of a person. Please take duly action and delete enteries which is no longer valid for me from CIBIL.