HDFC Bank — Cibil issue after clearing all the dues (credit card and personal loan)

rabindra_p

from Bengaluru, Karnataka

Address:	New Delhi, Delhi, 110076
Website:	www.hdfcbank.com

Hello there,

This is rabindra kumar paltasingh. I want to mention that i was checking my cibil score after clearing all my credit dues two months back. But still my credit score is showing less than 750. For your reference i am giving the credit account details.

Account type account number date closed
Credit card xxxxxxxxxxxxxxx[protected]
Personal loan[protected]

After clearing the dues i got the assurance that my credit score will be updated within 45-60 days. You can check that this is been already more than 60 days. But still my credit score is showing the old score. I think from your end no one has initiated or communicated with cibil regarding my credit score. So i request you please initiate to update my credit score asap.

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HDFC Bank customer support has been notified about the posted complaint.

Aug 11, 2016

Updated by rabindra_p on 6th Aug 2016 at 3:19 PM, I got a call from Miss Monika Khanna, of New Delhi branch, one of your executive in credit card quality team. She just told me there is nothing wrong from their side and they cannot do anything for this. I asked her to suggest me how can I get rid of this problem, but she was very rude and said this is my problem and I have to deal with it, but they cannot help anything on this regard.

My concern is very simple. My CIBIL score got decreased as per my payment history from a certain descent score. Now I cleared all my dues. So should not it get updated to the previous existing score? If its not like that how can I get back my previous score to avail any credit in future? Please help or suggest in this regard. This same question I was asking to that lady. but she was not in a mood to explain anything.

The personal loan dept is saying that the status of my captioned loan account in CIBIL is correctly updated as “BLANK”

I have mailed to CIBIL customer care regarding this. They are saying this depends upon credit institutions. So I can't understand what should I do?

Another thing I wanted to request you that I have not received my NOC after clearing the credit card dues. I have been requesting Mr Ashish Sharma of New Delhi branch, one of the credit card executive, but he is not giving any response.
So please send my NOC at the earliest to my mail id.

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HDFC Bank Customer Care

from Mumbai, Maharashtra

Verified Support

Dear Customer,

Kindly mail us at [protected]@hdfcbank.com from your registered email id along with your credit card number., your latest contact number and copy of CIBIL report available with you for further assistance, mentioning reference Id TTU[protected] in the subject line.

-Natasha
HDFC Bank Customer Assistance

rabindra_p's [Complaint's author] reply, Aug 10, 2016

on 6th Aug 2016 at 3:19 PM, I got a call from Miss Monika Khanna, of New Delhi branch, one of your executive in credit card quality team. She just told me there is nothing wrong from their side and they cannot do anything for this. I asked her to suggest me how can I get rid of this problem, but she was very rude and said this is my problem and I have to deal with it, but they cannot help anything on this regard.

My concern is very simple. My CIBIL score got decreased as per my payment history from a certain descent score. Now I cleared all my dues. So should not it get updated to the previous existing score? If its not like that how can I get back my previous score to avail any credit in future? Please help or suggest in this regard. This same question I was asking to that lady. but she was not in a mood to explain anything.

The personal loan dept is saying that the status of my captioned loan account in CIBIL is correctly updated as “BLANK”

I have mailed to CIBIL customer care regarding this. They are saying this depends upon credit institutions. So I can't understand what should I do?

Another thing I wanted to request you that I have not received my NOC after clearing the credit card dues. I have been requesting Mr Ashish Sharma of New Delhi branch, one of the credit card executive, but he is not giving any response.
So please send my NOC at the earliest to my mail id.