Incorrect Inquiry by SBM Bank

[ayushnayyar]

I have a credit enquiry from SBMBKINDIA, but I have never availed a loan/BNPL from SBM Bank. I raised a dispute on CIBIL, but they asked me to contact the bank, which I did, to no avail. What should I do now?

 

[jyotimanb]

What's the email to complain to RBI ?

This was the email shared on June 24. I used the same email thread of the earlier conversations.

 

[ramirami]

I also have an enquiry on my CIBIL for 75000 from SBM Bank for a credit although I never applied for that. I have used IndMoney in the past but never applied for waitlist, also I have not ever downloaded any app from BharatPe as well. The only SBM platform I have used so far is TripMoney(MMT). Have mailed to the nodal officer in this regard

TripMoney / HAPPAY are probably the culprit. I know of other TripMoney pre-paid card users who had the same enquiry. Worse part is TripMoney advertise zero forex markup but that is a total lie, there is a 1% markup. Compared to that Niyo Global gives true VISA rates with no markup, and it is a proper SBM Bank Savings Account where they give interest on the balance, and a Visa Signature card with no annual charges. I have always been suspicious of MMT offerings and hearing about the 1% markup and the bogus CIBIL enquiries made me decide to avoid them completely.

 

[dav33]

TripMoney / HAPPAY are probably the culprit. I know of other TripMoney pre-paid card users who had the same enquiry. Worse part is TripMoney advertise zero forex markup but that is a total lie, there is a 1% markup. Compared to that Niyo Global gives true VISA rates with no markup, and it is a proper SBM Bank Savings Account where they give interest on the balance, and a Visa Signature card with no annual charges. I have always been suspicious of MMT offerings and hearing about the 1% markup and the bogus CIBIL enquiries made me decide to avoid them completely.

i also have tripmoney forex card and have 75k enquiry.

 

[Arcade]

Finally after chasing around and threatening legal action, they've removed the enquiry. Thanks to Jyotiman and this amazing community!

I would've never known who to contact in getting this resolved.

 

[Arcade]

Hey, I also got false enquiry by SBM bank, please tell us how you got it removed.

All I did was email them, First 2 emails were to the normal customer care team as I wasn't aware of the escalation matrix.

Then when I emailed to the nodal officer, I finally recieved a response on 17th June stating that "they were looking into it". So, a month had passed and still no reply so I forwarded the mail trail to the principal nodal officer and threatened them with legal action, as well as getting the RBI ombudsman involved.

A few days pass and I see this email, refreshed my credit score and the enquiry is indeed gone.

 

[mrclown]

Yes, all 3 enquiries removed today by SBM Bank. Thanks Jyotiman.

 

[Arcade]

I see
So when did you mail them first?

Around 30 May and then a follow up on 4th June.

 

[thunderbolt]

Thank you for the members in this thread, my SBM enquiry is removed 🙏

 

[thunderbolt]

How did you approach?

Now even I'll start

Sent this email to "nodal.officer@sbmbank.co.in"

 

[Arcade]

Sent this email to "nodal.officer@sbmbank.co.in"

View attachment 2742

Send the mail to both nodal.officer@sbmbank.co.in & principalnodalofficer@sbmbank.co.in

You'll get a quicker turnaround time.

 

[jyotimanb]

Good to see everyone getting their wrong enquiry removed by SBM Bank!
I have updated my CIBIL report today and the enquiry is gone! If anyone still needs support on this topic would be happy to help!🙂

Cheers!
Jyotiman

 

[jyotimanb]

Update:

They didn't reply anything but the enquiry now is gone after I provided my basic details

Cool! ✌️

 

[yolofino]

Just now I've also emailed them for enquiry removal.

 

[Manu624]

I too have a 75K enquiry for CC on 27th May, 10 days after I started using onescore app just to check credit score. I have IndMoney but haven't joined the waitlist.

By any chance clicked on onecard shown in app

 

[ashwinkashwink is verified member.]

Just now I've also emailed them for enquiry removal.

I have also sent let's see what's happen.

 

[apurba.d1]

Mine was also removed. But they didn't send me any mail.

 

[ashwinkashwink is verified member.]

Update:
Got this reply

 

[jyotimanb]

Update:
Got this reply
View attachment 3103

You'll get a human response followed by this.
Wait for that

 

[jyotimanb]

I didn't get any response but now the enquiry doesn't exist anymore.

They seem to be very reluctant about communicating over email. But mostly the work can be done for the sake of these complaints

 

[ashwinkashwink is verified member.]

Update:
Got this reply
View attachment 3103

Got positive response 👌