Pearl Impex
RUINED CREDIT HISTORY

SIR/MADAM,

THIS IS A SERIOUS COMPLAINT!!

RECENTLY APPLIED FOR AMERICAN EXPRESS PLATINUM CARD AND WAS REJECTED ONTHE BASIS OF MY CREDIT REPORT THEY SENDED TO ME ALONG WITH THE REJECTION LETTER..IT KEEP HAPPENING TO ME EVERYTIME I APPLIED TO ANY CREDIT CARD FOR ANY BANK, BUT I ALWAYS ECIEVED THE SAME REJECTION WITHOUT KNOWING THE REASON, BUT THIS TIME AMEX SENDED THE REASONS AND REPORTS ALONG, SO I AM ABLE TO KNOW WOT THE MAIN THIS IS BEHIND...

LET ME KNOW YOU MY DETAILS FIRST

NAME: ANKUSH GULATI

ADDRESS: AK-8, SHALIMAR BAGH, DELHI

MOBILE: 91 9871575757

BIRTH DATE: 07/10/1981

knowing what the reason behind the rejection I WAS SO SHOCKED TO KNOW...

I WAS USING YOUR ICICI BANK CREDIT CARD LAST YEAR ..I HAD GOLD CARD AND AGAINST WHICH YOU GAVE ME ANOTHER ONLINE CREDIT CARD FOR ONLINE SHOPPING... LAST TO LAST DECEMBER I CLOSED MY A/C 4477473851726005 DUE TO SOME PERSONAL REASONS AND MY TOTAL OUTSTANDING WAS APPROX. 30 K ON THE GOLD CARD, I MADE THE COMPLETE PAYMENT AND ASKED THEM TO DEACTIVATE MY A/C . AFTER A FEW DAYS OR MONTHS I STARTED RECIEVING CALLS SAYING SIR APKA 2000 KA BALANCE HAI PLEASE CLEAR THEM ..I THOUGHT THERE MUST B SOME INTRESTS OR SOMETHING WHICH I MIGHT NOT HAD LOOKED AT OR MUST HAD BEEN LEFT WITH THE BANK..SO I ASKED THE EXECUTIVE TO COME TO MY PLACE AND COLLECT THE PAYMENTOFRS 2000... AFTER FEW MONTHS I RECIEVED A STATMENT SHOWING I HAVE AN OUTSTANDING OF AROUND 28000 RS WITH THEM..I WAS LIKE WHAT?? WHEN I HAD MADE THE COMPLET PAYMENT HOW CAN THEY ASK ME FOR FURTHER? I IMMIDIATELY CALLED THE CUSTOMER CARE AND TOLD THE SAME AND ASKED THEM HOW IS THIS PAYMENT LEFT WHEN I HAD ALREADY MADE THE CMPLETE PAYMENT AND HAD CLOSED MY A/C... THEY KEEP SAYIN U MUST HAD MADE PURCHASES..I SAID PURCHASE?? I HAVE NEVER PURCHASED ANYTHIN WHEN I ALREADY HAD CLOSED MY AC... AFTER A FEW DAYS I RECIEVED A CALL FROM COLLECTION DEPT. AND ASK FOR THE PAYMENT..I SAID WOT PAYMENT?? I ASKED THEM TO SEND ME THE DETAILS... THEY SAID OK...

THEY AGAIN CALLED ME AND TOLD ME THAT THESE 28K WERE BALANCE WID ME AS I HAD OPTED FOR INSURANCE POLICY..WHICH THEY GAVE MEFOR FREE AGAINST MY GOLD CARD... ONCE THERE EXECUTIVE CALLED ME UP AND I DIDNT EVEN EMEMBER WHEN..THEY SAID SIR APKO GOLD CARD KE AGAINST POLICY MIL RAI HAI ICICI LOMPARD SOMETHING... I SAID I ALREADY HAVE MANY POLICIES.SO HESAID SIR YE BILKUL FREE HAI... I SAID OK GIVE IT THEN IF ITS FOR FREE... N NOW LOOK AT THE THING WHAT WAS THOSE 28 THOUSAND THEY WERE ASKING FOR?? THEY CHARGED 28 K FOR INSURANCE POLICY WHICH I WAS GIVEN TO ME FREE AND THAT TOO THEY CHARGED THAT ON MY ONLINE CARD WHICH I NEVER USED... I MADE SEVERAL CPMPLAINTS BUT NEVER GOT A REVERT... THEY KEP SENDING ME PAYMENT REMINDERS... STATMENTS...

THIS RESULTED ME THEY RUINED MY CREDIT HISTORY..YOUR BANK DECLARED ME AS A DEFAULTER..NOW YOU TELL ME IF YOU PEOPLE WOULD HAD BEEN AT MY PLACE WOULD U HADMADE THE PAYMENT?? WHEN I MADE PAYMENT FOR 30K FOR MY PURCHASES Y CANT I DO THAT FOR REST?? I WANT YOU PEOPLE TO IMMIDIATELY TAKE THE REVIEW OF THIS MATTER AND HELP ME IMPROVE MY CREDIT HISTORY... IM FACING A HELL LOADS OF PROBLEM... IM NOT ABLE TOAPPLY FOR ANY CREDIT CARD...

ITS A REQUEST PLESE DONT SPOIL A CUSTOMERS HISTORY WITHOUT KNOWING THE GENUINE REASONS ..YOU SHOULD CONSULT BOTH THEBANK AND CUSTMER BEFORE CREATING A REPORT... YOU CAN CALL ME AT 91-9871575757 FOR THE SAME AND ASK ANYTHIN YOU WISH TO..LOOKING FORWARD TO RECIEVE A POSITIVE REVERT FROM YOUR SIDE...

I ALSO I HAD MADE THE COMPLAINTS TO CIBIL AND THEY ONLY TOLD ME THAT THIS OUTSTANDING IS LEFT ON YOUR CARD... NOW PLEASE TELL ME WHAT SHOULD I DO?? I HAVE RECEIVED A NOTICE FROM PATIALA HOUSE COURT TO SETTLE THE PAYMENTS... I RECIEVED IT ON 9TH SEPTEMBER AND THE DATE ON THAT WAS OF 7TH SEPTEMBER 08... WHICH WAS ALREADY PAST... NOW WHERE I STAND AT FAULT??

IF YOU PEOPE STILL WANT ME TO MAKE THE PAYMENT I WILL BUT YOU HAVE TO GURANTEE ME THAT YOU WILL SUBIT MY POSTIVE REPORT TO CIBIL SO THAT MY CREDIT HISTORY IS NOT AFFECTED... IF YOU WOULD HAD BEEN AT MY PLACE I'M SURE YOU WOULD HAD NEVER MADE THE PAYMENT, BUT JUST TO IMPROVE MY CREDIT HISTORY I CAN DO THE PAYEMNT IF YOU WANT ME TO..I DONT NEED ANY POLICY OR ANYTHING...

THANKING YOU,

YOURS TRUELY,

ANKUSH GULATI

PROP: PEARL IMPEX

Company: Pearl Impex
Country: India

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