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BOB ABNORMAL Enquiry!

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kuchbhi

kuchbhi

TF Premier
okay in short
In AUGUST 2024 BOB did an enquiry in my CIBIL account,
I asked customer care about reason they said they've just checked (reviewed wrt the loan taken years ago) and hence generated cibil report
they neither took any permission from me nor did I apply for any loan or bob card in August 2024!

I've already complained them twice about it and got same response that the enquiry was just for checking!

Loan was taken in 2019 October!

Please, Guide me the next steps!

@sjmajumder @Aniket @Ram1 @6ix9ine @SSV @doraemon


First complaint Date : 15/11/2024
 
Last edited:
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kuchbhi said:
okay in short
In AUGUST 2024 BOB did an enquiry in my CIBIL account,
I asked customer care about reason they said they've just checked and hence generated cibil report
they neither took any permission from me nor did I apply for any load or bob card in August 2024!

I've already complained them twice about it and got same response that the enquiry was just for checking!

Please, Guide me the next steps!

@sjmajumder @Aniket @Ram1 @6ix9ine @SSV @doraemon
Click to expand...
@sjmajumder already answered your questions on his HSBC's thread, follow it and update us further.

Update your thread by incorporating essential facts like not limited to application date, approved date of loan...
 
Upvote 0 Downvote
kuchbhi said:
okay in short
In AUGUST 2024 BOB did an enquiry in my CIBIL account,
I asked customer care about reason they said they've just checked (wrt the loan taken years ago) and hence generated cibil report
they neither took any permission from me nor did I apply for any loan or bob card in August 2024!

I've already complained them twice about it and got same response that the enquiry was just for checking!

Please, Guide me the next steps!

@sjmajumder @Aniket @Ram1 @6ix9ine @SSV @doraemon
Click to expand...
Wait 30days and complain to rbi, it will be removed
 
Upvote 0 Downvote
Aniket said:
@sjmajumder already answered your questions on his HSBC's thread, follow it and update us further.

Update your thread by incorporating essential facts like not limited to application date, approved date of loan...
Click to expand...
i've complained them 3rd time yesterday but I doubt the response will change so I want to know wut to do next! wait for 15 th dec then RBIO?
 
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kuchbhi said:
okay in short
In AUGUST 2024 BOB did an enquiry in my CIBIL account,
I asked customer care about reason they said they've just checked (reviewed wrt the loan taken years ago) and hence generated cibil report
they neither took any permission from me nor did I apply for any loan or bob card in August 2024!

I've already complained them twice about it and got same response that the enquiry was just for checking!

Loan was taken in 2019 October!

Please, Guide me the next steps!

@sjmajumder @Aniket @Ram1 @6ix9ine @SSV @doraemon
First complaint Date : 15/11/2024
Click to expand...
Escalate your concern to BOB via e-mail that's enquiry made on .... date is unauthorised one as you haven't filed any application for any loan or CC, so, you're asking them to suppress the enquiry or file a dispute with CIBIL, with all necessary details.

If it's not getting corrected within 30 days, then you're entitled a compensation of ₹100/ day for delay.

And it's calendar days not banking/ business days.

Note: No need to wait for 30 days, directly mail to PNO and see if they reply within the timeframe with an unsatisfactory reply you are free to raise the complaint instantly to RBI's BO.

Keep us posted...🙂

Mark it as the solution.
 
Upvote 2 Downvote
Aniket said:
Escalate your concern to BOB via e-mail that's enquiry made on .... date is unauthorised one as you haven't filed any application for any loan or CC, so, you're asking them to suppress the enquiry or file a dispute with CIBIL, with all necessary details.

If it's not getting corrected within 30 days, then you're entitled a compensation of ₹100/ day for delay.

And it's calendar days not banking/ business days.
Click to expand...
can't go to cibil it says generate report since your report is old and I will have to buy subscription
i've checked enquiry through gpay!
 
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kuchbhi said:
can't go to cibil it says generate report since your report is old and I will have to buy subscription
i've checked enquiry through gpay!
Click to expand...
Here you go:
Aniket said:
Escalate your concern to BOB via e-mail that's enquiry made on .... date is unauthorised one as you haven't filed any application for any loan or CC, so, you're asking them to suppress the enquiry or file a dispute with CIBIL, with all necessary details.

If it's not getting corrected within 30 days, then you're entitled a compensation of ₹100/ day for delay.

And it's calendar days not banking/ business days.

Note: No need to wait for 30 days, directly mail to PNO and see if they reply within the timeframe with an unsatisfactory reply you are free to raise the complaint instantly to RBI's BO.

Keep us posted...🙂

Mark it as the solution.
Click to expand...
 
Upvote 0 Downvote
kuchbhi said:
wait i just wrote to cibil again and got a service id generated this time
lets see!!
Click to expand...
Are bhaiya jee sab kuch apne man ke mutabik hi karna tha toh ham log se kyu puche?😐


Jada behatar rehta Bank ko escalate karne pe, kyu ki CIBIL modify nahi kar sakta without the authorisation/ intimation of concerned bank, just wo forward kar dega... let's see kya hota hai

Likhe kya hai wo bhi bata hi dijye
 
Upvote 1 Downvote
Aniket said:
Are bhaiya jee sab kuch apne man ke mutabik hi karna tha toh ham log se kyu puche?😐


Jada behatar rehta Bank ko escalate karne pe, kyu ki CIBIL modify nahi kar sakta without the authorisation/ intimation of concerned bank, just wo forward kar dega... let's see kya hota hai

Likhe kya hai wo bhi bata hi dijye
Click to expand...
arey apne hi to bola tha cibil ko likho to try kiya abhi to ho gya
kaisi baat karte ho aap SHORT TERM MEMORY LOSS CHALU??

filhal ye likha
"
I am writing to bring to your attention an unauthorized credit enquiry conducted by BANK OF BARODA on my CIBIL report in August 2024. I did not request or authorize a loan application during this period, so I am concerned about this unrequested inquiry and its impact on my credit score. For your reference, the latest CIBIL report number is **********.

I kindly request you to investigate this matter and initiate the necessary steps to reverse this credit enquiry from my CIBIL report at the earliest. This unwarranted enquiry has the potential to adversely affect my credit profile, and I expect swift action to rectify this.

"
 
Upvote 0 Downvote
Aniket said:
Are bhaiya jee sab kuch apne man ke mutabik hi karna tha toh ham log se kyu puche?😐


Jada behatar rehta Bank ko escalate karne pe, kyu ki CIBIL modify nahi kar sakta without the authorisation/ intimation of concerned bank, just wo forward kar dega... let's see kya hota hai

Likhe kya hai wo bhi bata hi dijye
Click to expand...
is bank ka emailing system hi nahi hai sab kuch kachra hai
bas vo online site pe hoti hai vo maine karke dekhli!
 
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kuchbhi said:
arey apne hi to bola tha cibil ko likho to try kiya abhi to ho gya
kaisi baat karte ho aap SHORT TERM MEMORY LOSS CHALU??
Click to expand...
Waah bhai waah!👏
Jada hi akad aaya hai sabdo mein,
bhaut khub.
1732263647146.webp
kuchbhi said:
filhal ye likha
"
I am writing to bring to your attention an unauthorized credit enquiry conducted by BANK OF BARODA on my CIBIL report in August 2024. I did not request or authorize a loan application during this period, so I am concerned about this unrequested inquiry and its impact on my credit score. For your reference, the latest CIBIL report number is **********.

I kindly request you to investigate this matter and initiate the necessary steps to reverse this credit enquiry from my CIBIL report at the earliest. This unwarranted enquiry has the potential to adversely affect my credit profile, and I expect swift action to rectify this.

"
Click to expand...
 
Last edited:
Upvote 0 Downvote
kuchbhi said:
okay in short
In AUGUST 2024 BOB did an enquiry in my CIBIL account,
I asked customer care about reason they said they've just checked (reviewed wrt the loan taken years ago) and hence generated cibil report
they neither took any permission from me nor did I apply for any loan or bob card in August 2024!

I've already complained them twice about it and got same response that the enquiry was just for checking!

Loan was taken in 2019 October!

Please, Guide me the next steps!

@sjmajumder @Aniket @Ram1 @6ix9ine @SSV @doraemon


First complaint Date : 15/11/2024
Click to expand...
Arey bhai you just passed class 11. How are you applying for cards at this age?
 
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