Good people of the republic.

I just learnt that I have been listed at one of the Credit Reference Bureaus by a local bank. Here's some history.

I opened a saving account with the said bank in 2010 but never operated it. I completely forgot about it until a week ago when I learnt about the CRB listing.

On looking at my CRB report, it turns out I was listed for that account - which had since fallen dormant - ostensibly because it had been overdrawn (on the basis of accrued bank charges).

As far as I know, and a customer care rep at the bank has verbally confirmed this, such a savings account is not supposed to attract any charges.

Anyway, I asked the bank for my statement so I could see the reason for the charges. They said they cannot generate one until I "regularized" the account, which involved paying the overdrawn amount (approx. KES 800), KES 200 for reopening the account and KES 500 in minimum balance. All this happened after several trips to the bank.

Eventually they cleared me, but even then my statement still doesn't show the source or circumstances of the overdrawn amount, and nobody at the bank has been able to explain it yet. On top of this, I was not given a notice before I was listed and my current bank has denied me credit on this basis. I want to sue. Is this case strong enough to be worth it?

Mhhhh can you tell us which bank this is? that is so wrong!

Is there a way you can check online if U listed on CRB?

Nah, it is not Barclays. It's a local bank. I will shame it in due course.

Sue, big money always pay to settle matters out of court!!!!