I paid full settlement my personal loan in 2010, before that my account status already Under Pemerhatian. So after kawtim the loan, bank give me a release letter saying that full amount has been made. Last year I went to Bank Negara just to check my CCRIS record and the status account still there Under Pemerhatian. I ask one of the customer service and they said, they will contact that bank. Last week I check again at Bank Negara but the status still there. Should I ask Bank Negara or the Bank?