Dear Sir/Madam
I applied a personal loan in ICICI bank but after a week bank refused to give personal loan & gave reason of unpaid amount of credit card of Rs.29582.They told me, in past i have used credit card of other bank & till date i have not cleared the amount & right now CIBIL is showing my name in record. I have also applied loan in other bank but no bank is ready to give me loan due to less CIBIL score.
But i have never applied or used credit card of any bank in my life & from past i am using only debit card.
In last i contacted to CIBIL office where i got some information related to this credit card. I find that any unknown person have used credit card of BARCLAYS BANK by using my name & pan card no. The record showing my name (Vipul Sharma) & Pan card, which is correct but other information related to address (residential & office), email-id.& contact no. was wrong.
How could any unknown person make the credit card by using the documents of other person & how bank can issue credit card on receiving wrong documents.
Credit card information-
Name of person-Vipul Sharma (Unknown)
Credit Card No.-4339480028697033
Amount due -Rs.29581.82
Bank - Barclays.
I am living in DELHI from last 7 yrs..But document submitted in record showing address of noida & andamans which i have never seen.
For discuss this issue of credit card i contacted at Barclays Bank, Nehru Palace branch where i could not get any satisfactory response. Bank told me to contact Kotak Mahindra Bank, Vikas puri where he will help me to sought out my problem as now Kotak bank has take over barclays bank & responsible for all communication. Now i don't know which bank will resolve this issue either barclays bank or kotak bank.
Kindly resolve this issue as soon as possible.
Regards
Vipul Sharma
Mob.-9899993910
New Delhi
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