Dear sir
In the month of April 2012, I have asked for my cibil report from cibil after paying them 470Rs.after submitting by pan card and bank statement as I'd and address proof, cibil sent me an letter saying that they are not able to generate by score so they are refunding me 269Rs, when I asked what is the reason the report can not be generated they said that " it might be possible that non of the credit institution has reported any credit history against my name".
In the month of June 2012, I applied for my life's first credit card from Hdfc bank and they rejected my application. The agent informed me that the rejection is due to bad credit history in cibil. I also received a letter from Hdfc bank where they have mentioned a generic and standard response which they sent to all there customer but there is no specific reason mentioned why the application has been rejected. I called Cibil and they said that they need the control number from the bank to check the details. I wrote to hdfc bank and after and it's being 30 days still I have not received the control number, then I have sent an application to hdfc bank for the cibil report against my credit card application and it's being 10 days no response. Everyday I am calling some one in bank and also I have spoken to there gravience cell but still they are only saying hey are investigating on it. Also when. I informed hdfc bank that the reason for rejection was cibil report they are shocked and informed that we do not disclose any reason to the customer, is it true? I am stuck and do not know what to do with this, I have not taken any loan and any card and this is my first job. Hdfc is just dragging the thing and not helping me to find out.
I would like to know Is I'd true that bank will not disclose the reason for rejection to the customer? If not do you have any RBI laid rule about it.
Also I have supplied same voters I'd card and pan to apply for loan and cibil report then how there is a mismatch. Please suggest what steps should I take as its really driving me crazy. I am not in position to apply for any loan as because of this. HDFC also is not helping me.
Pintu
