RBI OMBUDSMAN-sbi gave compensation of 15000 for double cibil enquiry

[Anil_Singh]

Cherry on the cake. I had a dispute for a closed loan account that was still reflecting as active in CRIF. They resolved that dispute and sent me an updated official CRIF report few mins ago. Will use this report to file an RBI complaint tomorrow.

 

[Anil_Singh]

Cherry on the cake. I had a dispute for a closed loan account that was still reflecting as active in CRIF. They resolved that dispute and sent me an updated official CRIF report few mins ago. Will use this report to file an RBI complaint tomorrow.

View attachment 50782

BC.. CRIF wale lo*u hai kya.. disputed closed loan account is still reflecting as active in latest report

 

[Quantum]

BC.. CRIF wale lo*u hai kya.. disputed closed loan account is still reflecting as active in latest report

CRIF wale actually hain.
CRIF is worst of all.

RBI complaint iska bhi daal hi do. RBI ka danda hi samajh me aata hai in sabko. No need to follow up with CRIF anymore.

 

[Anil_Singh]

CRIF wale actually hain.
CRIF is worst of all.

RBI complaint iska bhi daal hi do. RBI ka danda hi samajh me aata hai in sabko. No need to follow up with CRIF anymore.

Yeah. You are right. Bhains ke aage been bajane ka kuch fayda nahi hai. Inko inki nani yaad dilane ka samay aa gaya hai.

 

[Quantum]

Yeah. You are right. Bhains ke aage been bajane ka kuch fayda nahi hai. Inko inki nani yaad dilane ka samay aa gaya hai.

Ha, thoda time lagta hai RBI complaint resolve hone me (1-3 months on avg, or more than that) but worth the wait.
CIBIL score/report sahi hai agar, aur usme koi issue nahi hai to phir new credit card/loan k liye koi tension nahi hai. Sirf CRIF ka resolve karana hai.

 

[techhdate]

gonna do it tomorrow against postpe . not closing my account from cibil. card was closed 9 months back

 

[Anil_Singh]

Ha, thoda time lagta hai RBI complaint resolve hone me (1-3 months on avg, or more than that) but worth the wait.
CIBIL score/report sahi hai agar, aur usme koi issue nahi hai to phir new credit card/loan k liye koi tension nahi hai. Sirf CRIF ka resolve karana hai.

Yeah. My CIBIL is stain-free 😁

 

[Quantum]

gonna do it tomorrow against postpe . not closing my account from cibil. card was closed 9 months back

Do ask for compensation of 1L 😄

 

[techhdate]

Do ask for compensation of 1L 😄

haha ill ask for 1L since you mentioned..saying banks denied me new loan because postpe card is mentioned as active personal loan and i got emotional damages because of that..

 

[Ak Singh]

Do ask for compensation of 1L 😄

I have complaint to sbi pno for removing double enquiry for sbi card, then said to me sharing cibil report, so I shared cibil report but they are saying that we need only official cibil report not partner bank cibil report. I downloaded my cibil report from axis website. So what to do now?

 

[Quantum]

I have complaint to sbi pno for removing double enquiry for sbi card, then said to me sharing cibil report, so I shared cibil report but they are saying that we need only official cibil report not partner bank cibil report. I downloaded my cibil report from axis website. So what to do now?

Download it from CIBIL website.

Btw, is this the first time you are writing to SBI PNO for the double enquiry for SBI card in question or it is a follow up of an ongoing request from your side?
If it is a follow up to PNO for an ongoing request from your side, and it is more than 30 days, then you should have complained to RBI Ombudsman.

 

[vine]

Can some one plz share link where Rbi mentioned that it is mandatory provide rejection reason to customer. Somewhere I seen it in forum last time.

I want this too. I want to give a big bamboo to standard chu bank.

 

[Quantum]

I want this too. I want to give a big bamboo to standard chu bank.

• Reserve Bank of India - Notifications

5. On a review, it has been decided that in case of all categories of loans irrespective of any threshold limits, including credit card applications, banks / FIs should convey in writing the main reason / reasons which, in the opinion of the bank / FI have led to rejection of the loan applications.

• Reserve Bank of India

2.5 In terms of the instructions contained in the circular DBOD.No.Leg.BC.65/09.07.005/2006-07 dated March 6, 2007, banks have been advised that in case of all categories of loans irrespective of any threshold limits, including credit card applications, banks should convey in writing the main reason/reasons which in the opinion of the bank have led to the rejection of the loan applications. It is reiterated that banks should convey in writing the main reason/reasons which have led to the rejection of the credit card applications.

 

[Ak Singh]

Download it from CIBIL website.

Btw, is this the first time you are writing to SBI PNO for the double enquiry for SBI card in question or it is a follow up of an ongoing request from your side?
If it is a follow up to PNO for an ongoing request from your side, and it is more than 30 days, then you should have complained to RBI Ombudsman.

I don't have cibil subscription that's the problem.
It is follow up mail, I have emailed them 5-6 times but they were replying without reading my mail. Then I warned about RBI ombudsman then they are saying it is not official cibil report. Please provide official cibil report.
It is more than 10 days not now more than 30.

 

[Quantum]

I don't have cibil subscription that's the problem.
It is follow up mail, I have emailed them 5-6 times but they were replying without reading my mail. Then I warned about RBI ombudsman then they are saying it is not official cibil report. Please provide official cibil report.
It is more than 10 days not now more than 30.

Ok, please search this forum for the ways to get a free cibil report. You would get the list of apps/websites and tricks/hacks.

 

[Ak Singh]

Ok, please search this forum for the ways to get a free cibil report. You would get the list of apps/websites and tricks/hacks.

As I mentioned earlier I have cibil report from other website but not from official cibil site.
I downloaded cibil report from axis bank website and it is 100% correct, but they are asking only official cibil report.

 

[Aniket]

As I mentioned earlier I have cibil report from other website but not from official cibil site.
I downloaded cibil report from axis bank website and it is 100% correct, but they are asking only official cibil report.

Aur inse parchar karwalooo IPL mein ...aap jante hai mera bank kaun hai 😂
S B I 🤡

 

[Odugu Narasimha Rao]

gonna do it tomorrow against postpe . not closing my account from cibil. card was closed 9 months back

Same like u closed 16 months before till now not removed from cibil report

 

[Quantum]

As I mentioned earlier I have cibil report from other website but not from official cibil site.
I downloaded cibil report from axis bank website and it is 100% correct, but they are asking only official cibil report.

This forum also contains a thread that talks about a trick to get free cibil report from cibil without any subscription.

 

[its_karan]

Aur inse parchar karwalooo IPL mein ...aap jante hai mera bank kaun hai 😂
S B I 🤡

As I mentioned earlier I have cibil report from other website but not from official cibil site

said to me sharing cibil report, so I shared cibil report but they are saying that we need only official cibil report not partner bank cibil report. I downloaded my cibil report from axis website.

There is no Concept of Unofficial Cibil Report

They are bluffing

This is my Cibil report extract downloaded from SBIHomeloans(not active now)

As you can see the left Header is marked X as SBIHomeloans couldn't add their partner Bank symbol

This does not makes the Report more/less authentic, there is a control Number on right which you can quote.

The partner Banks attach their logo. That's it.