Getting recovery call without taking loan by bajaj finance

Sachin Kumar (Querist) 09 April 2022 This query is : Resolved
Last month i got 3-4 call to pay loan amount by bajaj finanace which i never taken. While checking my civil score report i found some one misused my pan card. What actually he did, he used my pan number and name. Rest details like father name and date of birth he morped in document.

As his first name and my first name was same. Bajaj finance didn't verified it carefully.

First i tried to contact cibil but they said it can be done only by bjaja finance.

I contacted bajaj finance by email. They asked my pancard and aadhar card scan copy. I sent them over email. After 3 days Bajaj fin has replied that "there is no fraud identified from our end as the loan belong to you and its an OTP based secured transaction"

Some points i tried to explain but they seems very unfriendly
1) My pan is linked to my aadhar card, also linked to digilocker.
2) I asked Bajaj fin to visit my office or i can visit their office with document but they didn't reply.
3) fraud person don't picking call and switched off his mobile, bajaj fin got my number from cibil score and calling for to pay loan.
4) How can fin companies easily proceeding loan without verifying other details

Tell me now what can i do? Its effecting my credit score. Can i go for defamation case against bajaj fin?

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Quick Summary

A user is receiving loan recovery calls from Bajaj Finance for a loan they never applied for, suspecting identity theft using their PAN card. Despite providing documentation, Bajaj Finance claims the transaction was OTP-based and secure. The user is seeking advice on how to proceed, as their credit score is being affected, and they are exploring options like a defamation case or complaining to the Banking Ombudsman.

kavksatyanarayana (Expert) 09 April 2022
Yes. I opine you shall go for a case by consulting a lawyer of your area.

Sachin Kumar (Querist) 09 April 2022
Only issue bothering me, i don't want all hassle of fir, case etc. It will cost me money and time.

Only solution is defamation case, as i might get all my expenses and time loss return.

Can you tell how much defamation should i go for?

P. Venu (Expert) 10 April 2022
Your posting suggested disputed questions of fact. A defamation would be too hasty an action.

krishna mohan (Expert) 11 April 2022
Defamation process you will waste time with no results and spending money. Better lodge a complaint to Banking Ombudsman and demand compensation with facts if Grievance mechanism of the company not yielding desired results.

Sachin Kumar (Querist) 11 April 2022
Hi Krishna mohan
Thanks for suggestion, can you help me how to complaint to banking ombudsman?

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