POSTED BY September 2, 2014 9:18 am NO COMMENTSON
Dear Sir, i have availed a current account form old sector private bank. Due to non maintenance of minimum balance , the account in debit balance.( kindly note i have never availed a credit facility form the bank).
On checking my CIBIL report the above current account no flagged as overdue in my CIR. However I closed the current account.
On making inquiry @ bank they said as I have sanctioned a temporary Overdraft facility for my current account . ( i have never requested for Overdraft facility)
I have requested to furnish the detail of limit and ROI etc till date they never furnished.( i have a acknowledge copy)
Due to Low CIBIL score my loan application is rejected from 4 banks. Current account is closed by paying the amount.
My query is :
1) Debit balance in current account can be disclosed in CIR ?
2) Can I escalate the matter to Ombudsman?
thanks in advance