I settled my Citibank credit card *14 in 2006 and closed the account. In February 2009, I refinanced my home loan with a local bank. They told me my record appeared in a system called CTOS. So I called Citibank. They issued me a release letter and promised the change would be reflected in the following month's Credit Bureau Report.
Today, August 12th, while processing a new home loan with another local bank, they told me the same thing appeared in the BRIS Information System.
I called Citibank, and they told me it was cleared in April. The representative (named Zura) asked whether I was sure it was with Citibank. I said yes, that was what the bank told me. I asked them to issue me another letter stating the date they cleared the system, but she refused, saying it was not in their procedure.
I called Bank Negara, and they told me they only monitor CCRIS, not CTOS or BRIS. They gave me the BRIS contact number, and I called. Yes, it was in their system. I faxed them Citibank's February 09 release letter. I was doing the bank's job to save my credit credibility because Citibank does not bother at all. When it is marketing, anything is yes, yes, yes...
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