BOB did hard CIBIL enquiry & processed & rejected half filled cc application without confirmation/consent

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some1anywher...

Since BOB Financial were giving some credit cards lifetime free till September, I was curious and had partially filled up their credit card application form. I had only reached until the stage where it asks me to select a credit card from the ones it thinks are best/suited for me.

I did not submit the final application, did not sign it with Aadhaar. In fact I got SMS on my phone saying "Dear Applicant , Thank you for filling in the Bank of Baroda credit card contactless application form. Kindly eSign the document using your aadhaar card click :https://infn.in/...JW . We shall then get back for your video KYC at the comfort of your home. Look forward to having you as our customer soon."

Also on the website I still get this message: "Your digital journey is incomplete. Request you to resume your journey by clicking at http://www.bobfinanci...om and completing the same at the earliest. Look forward to welcoming you as our esteemed customer."

https://cdn0.desidime.com/attachments/photos/807970/medium/ApplicationStatus.png?1663783432

But without so much as a phone call to confirm whether indeed I had submitted for a completed CC application and without my signing it, they went ahead anyway, processed it, did a hard CIBIL enquiry and then rejected it saying "Incomplete application."

What to do? I have raised a complaint with their level 1 grievance officer and will escalate to level 2 if they don't solve this mess.

Should I complain to RBI ombudsman if they don't issue me the credit card now? Didn't they violate RBI rules for cc application? Without explicit consent and fully completed application, no one can just go ahead and process a cc application or do a CIBIL hard enquiry.



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Should I complain to RBI ombudsman? YES

Deal Subedar Deal Subedar
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Either u shud have filled the application fully or not at all.... Why to do such daring stunts.... 

I u wanted some clarifications..... U could have asked here or seen tons of videos available on youtube.... 

Deal Cadet Deal Cadet
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batmanBABA wrote:

Either u shud have filled the application fully or not at all.... Why to do such daring stunts.... 

I u wanted some clarifications..... U could have asked here or seen tons of videos available on youtube.... 

"Daring stunts"? I already mentioned that I wanted to see which credit cards I was eligible for depending on the info we fill and then decide whether or not to submit the application. How was I supposed to know that BOB Financial would break RBI rules and consider it a submitted application unless I signed it and unless there was a confirmation phone call? These are all standard norms when applying for a credit card which they did not follow.


Well I can see some people on DD are very hostile and blame us only even if technically I didn't break any rules or do anything wrong.

Mobile Guru Mobile Guru
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some1anywhere964 wrote:
"Daring stunts"? I already mentioned that I wanted to see which credit cards I was eligible for depending on the info we fill and then decide whether or not to submit the application. How was I supposed to know that BOB Financial would break RBI rules and consider it a submitted application unless I signed it and unless there was a confirmation phone call? These are all standard norms when applying for a credit card which they did not follow.

Well I can see some people on DD at very hostile and blame us only even if technically I didn't break any rules or do anything wrong.

Chill bro...
Which ccs were showing up?


Deal Subedar Deal Subedar
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some1anywhere964 wrote:
"Daring stunts"? I already mentioned that I wanted to see which credit cards I was eligible for depending on the info we fill and then decide whether or not to submit the application. How was I supposed to know that BOB Financial would break RBI rules and consider it a submitted application unless I signed it and unless there was a confirmation phone call? These are all standard norms when applying for a credit card which they did not follow.

Well I can see some people on DD at very hostile and blame us only even if technically I didn't break any rules or do anything wrong.

Watch the you tube videos  before filling any application... Most of the banks do hard enquiry in 1st or 2nd step these days.... U fill the application or. Not... It dosent matter..... I am not being hostile.... Im just telling the facts.... U can ask here the process or see youtube video before going for any credit card application or even cards u are eligible for... 

Rbi is a sitting duck... It make rules.. It does not mean everyone will follow... So just be cautious from your side... Or run from pillar to post to get justice.... 

Deal Cadet Deal Cadet
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CIBIL CC enquires last for 6 months right?

replyuser
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