Re: Now have Access to your CIBIL Credit report Quote:
Originally Posted by Mr. Nobody I had closed the standard chartered credit card 12 months ago and it still is shown as active in my report. |
I am facing a similar issue after I checked my CIBIL report last month.
Like you, my credit card that I had closed 4 years ago was still being shown as active in my CIBIL report. It was a Vijaya Bank Credit Card that was closed in 2017. Not only that, I was shocked to find that the bank had reported "Payment Default for 116 days" in July 2016 (which I hadn't and the credit card statements & bank account statements prove this). I still have had the acknowledged credit card closure letter & and e-mail confirmation from the Vijaya Bank Credit Card Division.
As everyone would aware, Vijaya Bank was merged into Bank of Baroda, so I went the the branch and reported this. A couple of weeks went by and no action was taken, instead I was asked to speak to some credit card guy in Bank of Baroda. I called him & explained the situation - His curt & arrogant answer was "I am from Bank of Baroda, I can't help on Vijaya Bank issues. You should contact CIBIL". Being a Vijaya customer and having car & housing loans in the same Vijaya Bank branch that was taken over by Bank of Baroda, that reply was irritating to say the least.
Over the next few days, I escalated the complaint to Bank of Baroda credit division , whose reply was - "Your mentioned card details cannot be found". If so, how my was my card still being shown as active? There was no further reply from them. I tried to get it corrected through Experian - from where the report was generated. Their website was having some glitch and the files could not be uploaded. A couple of other fellows I spoke to in Bank of Baroda- whose response was similar - it is a Vijaya Bank issue and they cannot help & that I should contact CIBIL!!!!
Having tried to connect with DGMs and AGMs in Bank of Baroda RO in Mangalore, I received no proper response. I then escalated the complaint to the GM in BOB Mangalore Zonal Office(which used to be Vijaya Bank Regional RO). I tried calling the GM's number listed on BoB website and on dialing it , the number belonged to a DGM in the SBI Vigilance Cell in Mumbai!!!! This is the pathetic state of affairs in Bank of Baroda - no accountability, no response that used to exist earlier in Vijaya Bank!!!! Useless buggers, I thought!!!!
After the complaint to the GM, a new guy called, but again there wasn't any concrete response. Extremely irritated I wrote to the Nodal Officer(a DGM) under the Banking Ombudsman in Bank of Baroda(Bangalore) with a clear threat that I am tired of dealing with Bank of Baroda over this issue and that I will be escalating the complaint to the Banking Ombudsman and seek adequate compensation for my troubles.
Almost immediately(the next day), wheels started rolling and they escalated the complaint to CIBIL with an email confirmation to me. Timeline for resolution of the complaint is 30 days and I expect teh issue to be resolved finally. |