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Savvy›Complaint assist
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Complaint assist

Prepare a factual draft. You review and send it through the institution's channel.

Describe a suspected error

What each issue means
  • Enquiry: A credit enquiry you did not authorise. Lenders generally need your consent before checking your credit report; an unauthorised enquiry can be disputed.
  • Balance information: A balance or overdue amount that does not match your statements. Wrong balances can inflate utilisation or show arrears that do not exist.
  • Unrecognised account: An account that is not yours. This may be a reporting mix-up or identity misuse; ask for investigation and contact the institution about fraud if needed.
  • Default information: A default, write-off or late mark you believe is wrong. Accurate overdue debt is not an error; keep payment or settlement proof ready.
  • Other: Something else on your report looks inaccurate. Describe exactly what is wrong and what the correct information is.

Choose the right channel

Commercial bank

Complain to the bank first. Banking Mohtasib may be available for eligible unresolved complaints.

Official channel / source ↗

30 calendar days is the bank response period, not a guarantee of resolution. An unsatisfactory response can affect escalation timing. Check the further filing window and jurisdiction with the official channel.

Microfinance bank

Contact the microfinance bank first; use SBP/Sunwai where applicable. Banking Mohtasib excludes MFBs.

Official channel / source ↗

A specific statutory response deadline has not been verified for this workflow.

Lending NBFC

Contact the lender first. For an SECP-regulated NBFC, use the relevant SECP complaint channel.

Official channel / source ↗

Confirm the legal lender and regulator. A brand name alone does not prove authorisation.

Private credit bureau

Contact the private bureau and data-furnishing institution. SBP escalation may apply.

Official channel / source ↗

Bureau-specific response and record-retention periods need verification. No automatic two-year deletion promise.

Development finance institution

Contact the institution; consult SBP channels where applicable. Banking Mohtasib excludes DFIs.

Official channel / source ↗

Confirm scope and applicable deadlines before escalation.

Other

Identify the legal institution and competent regulator before escalation.

Official channel / source ↗

No verified automatic deadline or jurisdiction.