What action can be taken against SBI
Hello,
On 25.06.2014 one executive from SBI Credit card department approached to me at my office at Guwahati for new credit card. I took the card as he was requesting me like anything. But i never used the card afterwards and even I had not broke the seal of the credit card envelope. In the month of Aug'16 i got call from the SBI customer care executive that overdue against my card is Rs. 4785/-. I asked him where i have spent that money, then he informed me that this is the cumulative of dues of annual charges. I tried to explain him and make him understand that i have not used that card yet but still why should i pay the amount. He told me that if i dont pay the amount my CIBIL score will be bad and i cant go for any loan in future. So i agreed to pay the amount in 2/3 installment and i finally paid all the due amount by 03.10.2016. Recently when i required loan and i checked by CIBIL score then i found that the CIBIL score is down due that card and the status that is written by SBI is "Willful defaulter and written off". So i want to go legal against SBI as they decleared me as willful defaulter and which ruined by credit score. I recently called them up for the same issue and they said they will update the CIBIL soon. But still i would like to go legal against threm. Please advise how to approach for that and can i lodge complaint to Consumer Court? Please advise further course of action. Thanks
Asked 8 years ago in Civil Law