[Resolved]  ICICI Bank — ICICI updated wrong data in the CIBIL and rejected my loan application based on that wrong data

Address:

Hyderabad

Dear Team,

New Public Griveinace DEABD/E/2021/35773
New Ombudsman : [protected]
Consumer Court complaint : 2760490

I had the emergenacy but you played with my emotions .

First of all thanks for showing me your incapability for last 30 days which gives me more confidence to discontinue the salary account with you and I have already opened the new salary account with HDFC and only video KYC is pending which is also will be completed soon.

1) I have to clarify one thing about my loan application EP[protected] which you have rejected by saying the reason cheque bounces .

- I do not have any bounces after January but you intentionally updated my CIBIL with late payment by 55 days, even though auto debit is successful due to this I'm not getting the loans from other banks as well . Are you calling this a bounce ?

- Overdue amount 14, 386 ahowing in the CIBIL, at least you never sent me a single intimation that I do have the overdue amount for my loan account but instead you updated my CIBIL, recently when I ask you for the auto debit shift process one of your person reverted that I do have the overdue amount and immediately I have cleared the overdue amount. As a bank don't you have that responsibility to intimate the customers ?otherwise I would have been paid this very much before updating my CIBIL. Do you think it's my fault?
- Regarding the bounces before January, again it's due to your negligence because as per the guidelines from RBI I requested for the moratorium for August month due to my family financial criticality. Also I raised the request through your website 1 week before the EMI date even though you debited the EMI for August month and after that I raised many requests to refund the August EMI in order to avoid the cheque bounce for subsequent months . But you never considered any of my requests and after that in the month of September you adjusted the August month EMI for September month by saying it is Moratorium for August Month. Same situation continued till December. Is this my fault or your negligence ? Even though I want to ensure the ontime emi payment, you pushed me into that situation by not following standard rules. Are you calling these are the Bounces ?

I never had an intention to bounce your EMI but you made me like that, at least if you should called me before rejecting the application I would have been explaining these things . Ultimately you blamed me for cheque bounces even though those were happened due to ICICI bank negligence.

2) I have already opened a new salary account *******9253 with HDFC bank immediately after you rejected my application. But still I do have the below things have to resolve from your end.

a) Remove the overdue amount in my CIBIL for the loan account LPB******8409 and late payment days for the months Feb, March, April, May as I paid the EMI on time.
b) Remove the Paylater account entry ********2753 in my CIBIL report which I have closed already
c) Remove the debit card EMI account entry *********5808 in my CIBIL I'm not using it since a long, it's not active and more importantly I don't want it.
d) Correct the credit limit of my credit card entry in my CIBIL. I have a 20000 limit then How is it showing the highest credit limit as 31.226?
e) Send your executive to collect the relevant documents to shift the auto debit for your loan LPBN*******8409 to the above-mentioned HDFC account, again don't say that I need to visit the branch .
f) June month EMI you will receive as usual from the same account but no more salary will be credited to your account now onwards.Ensure that to complete this process before July EMI which you will only receive from my new salary account.
g) As soon as you send the executive and after that I will initiate the steps to closure of yoursalary account .

Due to all bove false information from ICICI bank in my CIBIL, no lender is listening even though I explainig them it was ICICI bank fault .I though atleast ICICI bank will consider it as you very well know about those entries, but you rejected my application wihtout even having single word with me, that itself saying that how you are hiding from the facts.

Hence please find the attached credit report and update the above mentioned records, so that I can easily get the loan from other lenders .