Phoenix Arc send a mail to my mail account (firstname.lastname@example.org)in 2013 for a credit card payment due stated below :
As per our records there is an outstanding balance of Rs.84/- towards your Barclays Credit card. We Phoenix ARC which is the sister concern of Kotak Mahindra Bank are sole authorized to issue the Closure Letter & No Due Certificate.
Please share your contact number you will be receiving a verification call and on your confirmation you will be provided closure letter.
Card No: ----
Total Outstanding: Rs.84/-
Contract no: B2C0368978
I was not able to see it and so they reduced my credit score. Recently when I was able to get the information and asked why is Rs 84 due in the mail there was no response. I called them multiple times and all the time they said that they will look into it but still no response. I find it sad that one can send a mail and assume that one will see it and reduce a person credit score for Rs 84 when first of all I don't know how that Rs 84 is outstanding. I am not able to apply for any loan or credit card and they are not replying to my mail and call. In the last 20 days I have sent 5 mails without reply. I hope it is looked into soon.