my cibil got impacted despite paying emi on time

Name of Complainant ashish jangra
Date of ComplaintMarch 19, 2023
Name(s) of companies complained against
Category of complaint Banking
Permanent link of complaint Right click to copy link
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Text of Complaint by ashish jangra:

My ICICI personal loan Emi get deducted on 5th of every month, but 2-3 months back, My account didn’t have money for emi till afternoon and I deposited money at 2:00pm for EMI, but surprisingly I was charged for late payment and extra amount was charged on me for EMI bounce despite I had money in my account. Due to this situation,my cibil score which was around 790+ has reduced to 730 and my all credit scores have reduced drastically. Please help me with the situation.

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my cibil got impacted despite paying emi on time

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