Hi I am Praneeth from Hyderabad. Yesterday, I recieved a call from Chennai and introduced themselves as Banking professionals from Standard Chartered bank. They have read through my CIBIL report and asked for confirmation, wheter all my details are correct. I said CORRECT.
Then they asked a person's name, whether I know him or Not. After few minutes, I got his name since I met him 12-13 years ago. I just knew him, he was not a close one. Since he was a Software Engineer in 2003 and I was an Engineering student. We used to meet at Food centers and at shops or at cinema malls. Thats all our relationship. I told bank guys that I knew him in 2003 and later we never met.
Bank guys revealed the matter that the so called person had given my name and number as reference for his Credit card with that bank. He mentioned my profession as a BPO/Customer Care employee. But the fact was, I was a college going person and awaiting for results. I was never contaced by any bank at that time. Bank was considered my reference and approved his Credit card and he used it. Bank people told me that the so called person has a due of 5 lacs and as per the bank recovery team, the person left india and settled in USA. That information also given by Bank people only, since I never met him in last 13 years after my studies. Here I raised few questions:
1.) In the evrfication call, banks generall ask for Employer details and EMployee ID. They do not have any of such details. How did they completed the verification in 2003 and considered fake information, a student had been mentioned as a BPO employee?
2.) They called me from Chennai and provided all my personal details received from CIBIL report. But surprsing fact, agent and his manager both spoke to me in pure Telugu.
They also threatened me that they will update my CIBIL report as a Fraud and also they threatning me that they will update my COmpany that I was involved in bank fraud. They have all my personal details and residence addresses. How come CIBIL repost is handed over to goons and ordinary employees.
Please help me, how to respond further on this.
