Wrong reporting to CIBIL for a missed payment on my ICICI credit card

[Ishann]

I had a ICICI credit card which I had closed in Jan 2021 by reporting it as lost.
Now on 19 Jan 2024, I received a statement for that card with due amount as Rs. 59 and due date as 6 Feb, 2024.
There is one txn for 29.5 Rs for Reward redemption charges on 21 Dec 2023. Statement also shows Previous Balance as 29.5 for which I never received any alert.
Looks like these 2 are from some time when I had redeemed these reward points from Zillion(Payback) but these were never mentioned that these would be charged nor these charges were alerted.

Now when I checked my CIBIL report on 29 Jan, 2024, I see that ICICI has reported a missed payment for Jan 2024 for the same credit card for 30Rs.
Due date is 6 Feb, 2024 but I have still made the payment of 59Rs on 29 Jan, 2024.

Due to this mis reporting, my credit score has dropped by 107 points overnight to 670. I am not able to understand why this was done.

Someone please guide me to solve this, this is very serious.

Thank you

 

[helloworld]

Basics:

Reporting lost means "you no longer have that card but will get another card, meanwhile don't close my account permanently".

I had a ICICI credit card which I had closed in Jan 2021 by reporting it as lost.

which means your current card won't work anymore and new card will be sent as per your request. And account not closed.

Now on 19 Jan 2024, I received a statement for that card with due amount as Rs. 59 and due date as 6 Feb, 2024.
There is one txn for 29.5 Rs for Reward redemption charges on 21 Dec 2023. Statement also shows Previous Balance as 29.5 for which I never received any alert.
Looks like these 2 are from some time when I had redeemed these reward points from Zillion(Payback) but these were never mentioned that these would be charged nor these charges were alerted.

Reward redemption charges never alerted but informed you during redemption (and same for all banks who charges for redemption, afaik) which you have to pay current or next statement based on your transaction settlement time.

Now when I checked my CIBIL report on 29 Jan, 2024, I see that ICICI has reported a missed payment for Jan 2024 for the same credit card for 30Rs.
Due date is 6 Feb, 2024 but I have still made the payment of 59Rs on 29 Jan, 2024.

Payment date we made is never eligible for consideration but the date they received our payment considered for due date calculation.

Due to this mis reporting, my credit score has dropped by 107 points overnight to 670. I am not able to understand why this was done.

Someone please guide me to solve this, this is very serious.

Thank you

Checks:

Download ICICI statement and see when your payment date reflected

if it is before due date (

6 Feb, 2024

then start mails from L1 to L3 in proper way for 30 days and if not resolved, file ombudsman complaint.

it it is after due date, that mark will be there in your CIBIL for long time, be prepared.

 

[Ishann]

@helloworld I have confirmed with bank that my payment is received on 29 Jan 2024 only.

But anyways, due date is 6 Feb, 2024 which is yet to come but they have reported missed payment now itself. I have not received any statements or payment is due sms for this particular credit card in past 2 years. This is the only time I received an email of statement generation. That too says - ICICI Bank Credit Card Statement for the period July 21 2021 to January 19 2024

But yes, I have sent email to ICICI bank. Will wait for a reply.