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IDFC BANK A misplaced soul

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Vasuki

Vasuki

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I closed my Flipkart pay later when my limit was
Like 1k, 2k, 30k ,50k,70,k 80k(when closed)
But due to cibil reporting is 1-2 month behind .
It was 70k in cibil
So my Flipkart pay later closed at 70k .

This week I saw 50 k Flipkart pay later loan added to cibil & active

I wrote then nicely to remove it on x/ Twitter but their usual response was
Contact us at idfc email & share your report

Then I bombed them good words on X .

An executive called - on call he feachted my cibil ( from his end )
Accepted bank mistake and said happened due to glitch
Took Application for removal/ closer ..
Two day ago the application was processed ( as he mentioned)
Yesterday I received SMS saying it will be reported in 10 days

To my surprise.
I refreshed today and Account is showing closed.. ( I wish they would have removed it )
 

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DocFixIt said:
I closed my Flipkart pay later when my limit was
Like 1k, 2k, 30k ,50k,70,k 80k(when closed)
But due to cibil reporting is 1-2 month behind .
It was 70k in cibil
So my Flipkart pay later closed at 70k .

This week I saw 50 k Flipkart pay later loan added to cibil & active

I wrote then nicely to remove it on x/ Twitter but their usual response was
Contact us at idfc email & share your report

Then I bombed them good words on X .

An executive called - on call he feachted my cibil ( from his end )
Accepted bank mistake and said happened due to glitch
Took Application for removal/ closer ..
Two day ago the application was processed ( as he mentioned)
Yesterday I received SMS saying it will be reported in 10 days

To my surprise.
I refreshed today and Account is showing closed.. ( I wish they would have removed it )
Click to expand...
I also have to close it. Thanks for reminding 👍👍👍
 
Upvote 0 Downvote
DocFixIt said:
I closed my Flipkart pay later when my limit was
Like 1k, 2k, 30k ,50k,70,k 80k(when closed)
But due to cibil reporting is 1-2 month behind .
It was 70k in cibil
So my Flipkart pay later closed at 70k .

This week I saw 50 k Flipkart pay later loan added to cibil & active

I wrote then nicely to remove it on x/ Twitter but their usual response was
Contact us at idfc email & share your report

Then I bombed them good words on X .

An executive called - on call he feachted my cibil ( from his end )
Accepted bank mistake and said happened due to glitch
Took Application for removal/ closer ..
Two day ago the application was processed ( as he mentioned)
Yesterday I received SMS saying it will be reported in 10 days

To my surprise.
I refreshed today and Account is showing closed.. ( I wish they would have removed it )
Click to expand...
Why didn't you ask compensation bro?😂

Tab line pe aata thoda bhuat, compensation mangiye ya RBI ke pass leke jaiye 6 months tak account closed nahi huwa...dher sara compensation milega 😂
 
Upvote 0 Downvote
DocFixIt said:
I closed my Flipkart pay later when my limit was
Like 1k, 2k, 30k ,50k,70,k 80k(when closed)
But due to cibil reporting is 1-2 month behind .
It was 70k in cibil
So my Flipkart pay later closed at 70k .

This week I saw 50 k Flipkart pay later loan added to cibil & active

I wrote then nicely to remove it on x/ Twitter but their usual response was
Contact us at idfc email & share your report

Then I bombed them good words on X .

An executive called - on call he feachted my cibil ( from his end )
Accepted bank mistake and said happened due to glitch
Took Application for removal/ closer ..
Two day ago the application was processed ( as he mentioned)
Yesterday I received SMS saying it will be reported in 10 days

To my surprise.
I refreshed today and Account is showing closed.. ( I wish they would have removed it )
Click to expand...
Almost similar incidence happened with me last month. I had an Ola Postpaid account (15k postpaid limit showed as 30k loan on credit bureaus), for which I had requested closure on Sep 2023. By Dec 2023, it showed as closed on Experian, but on CIBIL still showed as active. Since the reported date wasn't updated on CIBIL so I waited.
When I refreshed my scores in March 1st week, my CIBIL was down by 113 points and Experian by 80 points. I checked the reports and IDFC had reported on 31st Jan 2024 for this closed loan account, the following:
  • Amount overdue of ~ INR 1.86 L (on a 30 k postpaid loan account, lol)
  • DPD for the month of Jan 2024 as 517
I raised a dispute on CIBIL & Experian immediately (of no use since there's no update on the status) and raised 4 tickets with IDFC team for correction on 8th Mar, 13th Mar, 15th Mar and 19th Mar. They always said the correction has been made by them and should reflect in 10 working days. So I waited for 10 working days to be over, but even after that on 25th Mar, no correction made. Then I reached out to PNO and next day I got a call that they will work on it and update within 2 days. Post their updation, it will take 10 working days to reflect. Day after that I got a message that update has been done from their side, I checked the reports the very next day and the correction was visible on Experian and my score was also restored. But CIBIL is still same, I'm waiting for 10 working days to be over now and I'm hoping it should get corrected on CIBIL too.
 
Upvote 0 Downvote
p0tat0 said:
Almost similar incidence happened with me last month. I had an Ola Postpaid account (15k postpaid limit showed as 30k loan on credit bureaus), for which I had requested closure on Sep 2023. By Dec 2023, it showed as closed on Experian, but on CIBIL still showed as active. Since the reported date wasn't updated on CIBIL so I waited.
When I refreshed my scores in March 1st week, my CIBIL was down by 113 points and Experian by 80 points. I checked the reports and IDFC had reported on 31st Jan 2024 for this closed loan account, the following:
  • Amount overdue of ~ INR 1.86 L (on a 30 k postpaid loan account, lol)
  • DPD for the month of Jan 2024 as 517
I raised a dispute on CIBIL & Experian immediately (of no use since there's no update on the status) and raised 4 tickets with IDFC team for correction on 8th Mar, 13th Mar, 15th Mar and 19th Mar. They always said the correction has been made by them and should reflect in 10 working days. So I waited for 10 working days to be over, but even after that on 25th Mar, no correction made. Then I reached out to PNO and next day I got a call that they will work on it and update within 2 days. Post their updation, it will take 10 working days to reflect. Day after that I got a message that update has been done from their side, I checked the reports the very next day and the correction was visible on Experian and my score was also restored. But CIBIL is still same, I'm waiting for 10 working days to be over now and I'm hoping it should get corrected on CIBIL too.
Click to expand...
My CIBIL score also got dropped by 12 points. I wasn't able to understand, everything being constant.

Now, I doubt, the reason might be IDFC service request ticket made recently.😒
 
Upvote 0 Downvote
#aniket said:
My CIBIL score also got dropped by 12 points. I wasn't able to understand, everything being constant.

Now, I doubt, the reason might be IDFC service request ticket made recently.😒
Click to expand...
I was puzzled initially. I had applied for Amex in Feb 24, so I was expecting 1 new account and 1 new enquiry in my reports (only change in last 6 months), which was the case. I just couldn't make any sense how applying for Amex tanked my scores!! 🤣
I mean, honestly, who even checks closed accounts for any discrepancy? Four days later once my OneScore app refreshed my scores, I got to know that IDFC was the culprit. Dispute raise krne k liye bhi I had to purchase CIBIL subscription as CIBIL doesn't allow disputes on old reports. 😑
 
Upvote 0 Downvote
p0tat0 said:
I was puzzled initially. I had applied for Amex in Feb 24, so I was expecting 1 new account and 1 new enquiry in my reports (only change in last 6 months), which was the case. I just couldn't make any sense how applying for Amex tanked my scores!! 🤣
I mean, honestly, who even checks closed accounts for any discrepancy? Four days later once my OneScore app refreshed my scores, I got to know that IDFC was the culprit. Dispute raise krne k liye bhi I had to purchase CIBIL subscription as CIBIL doesn't allow disputes on old reports. 😑
Click to expand...
Don't forget to make them to restore your CIBIL position.

Ask compensation from the bank or else report the same to RBI BO and get it.

Don't leave it easily.
 
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