My Name Is Under Cibil Defaulter List?

Question

Dear sir, My name is MR.Qamruddin Badruddin Shaikh,  I was holding  your bank credit card - I have forgotton my credit card number and i have no records of the credit card.
i have cleared all dues and settled my credit card. but still my name is been listed in cibil records which several times, i have emailed your customer care complaint site, but no revert as I want to clear this name from cibil records. & though i have contacted bank too about this but they informed me, that details are not been updated from bank, it shall be updated and name shall be cleared automatically, but hence since one year i haved followed my best with the bank and still no revert .I long term i have waited for response .

Answer 1

Dear Qamruddin

At the outset, let me clarify that this site is designed and managed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

If your home branch is not assisting in getting your CIBIL score / record corrected, you may email your grievance to their Nodal Officer.  The process is given hereunder.

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online.  Do furnish full details of your grievance / issue / problem.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email).  For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access their website https://bankingombudsman.rbi.org.in/.

RAJA