https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8709185
Should I complain to RBI ombudsman? YES
BOB did hard CIBIL enquiry & processed & rejected half filled cc application without confirmation/consent
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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."
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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https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8710549
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....
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8713315
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.
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8713338
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some1anywhere 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?
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8713395
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some1anywhere 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....
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8713686
CIBIL CC enquires last for 6 months right?
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8754290
gedotres483 wrote:They last forever. Impact on cibil score lasts for six months.CIBIL CC enquires last for 6 months right?
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8754323
Cibil hit is valid. You can't complaint on that. Only after the hit they will be able to provide you with choices of cards as per your eligibility. Rejection of half filled applications are common but with BoB you can ask for reconsideration citing the reason.
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8762249
Sent them ITRs since there was hard CIBIL enquiry done anyway. Card approved instantly after video KYC.
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8762266
So which card u got?
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8762484
Without CIBIL enquiry they could not have provided you the eligible CC list. Hence CIBIL enquiry is must even before filling the complete application.
Nothing wrong is done by Bank as no rules are broken. It's just that you are ill informed.
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8768329
neel648 wrote:
So which card u got?
BOB Select. How to confirm/verify that it is LTF or whether it is chargeable?
In the letter I received it says "Make Select LTF by spending ₹7500 in first 60 days and ₹70000 in second year for fee waiver.
Update: Customer care confirmed it is LTF.
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8768438
some1anywhere wrote:How you contacted them?Sent them ITRs since there was hard CIBIL enquiry done anyway. Card approved instantly after video KYC.
I applied last week, did the eSign using AADHAAR, but didnt get the vKYC link
Should I need to contact them for a vKYC?
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8768732
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some1anywhere wrote:Those spends are not needed. Confirmed with customer support.
BOB Select. How to confirm/verify that it is LTF or whether it is chargeable?
In the letter I received it says "Make Select LTF by spending ₹7500 in first 60 days and ₹70000 in second year for fee waiver.
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8768784
I wrote to them on email and Facebook. I will still get it in writing from them via email that it is lifetime free so it is official.
On phone call, BOBFin customer care did confirm that it is LTF because I got it during offer period and to ignore any document that says charges will apply. Have recorded that call too.
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8768887
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8773096
They confirmed via email that it is LTF and to ignore the letter that mentions charges. The BOB card app is terrible though. Probably the worst CC app I've ever used 
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8869063
some1anywhere wrote:Can you provide the e-mail id from which you asked LTF enquiry?They confirmed via email that it is LTF and to ignore the letter that mentions charges. The BOB card app is terrible though. Probably the worst CC app I've ever used
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8870067
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Collector_Sahab wrote:crm [at the rate] bobfinancial [dot][com]
Can you provide the e-mail id from which you asked LTF enquiry?
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8944140
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some1anywhere wrote:How did u resumed your application? i couldn't find any link to resume the application.
I went to BOB Financial's website and resumed the half-filled, rejected application. Got the VKYC link immediately on SMS.
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8944219
Isme Aisa kya bura ho gya cibil enquiry hi to ki hai BOB ne kaun si bhains khol li itna mat daro cibil enquiry se kuchh nahi hota, aap jab apply ki term and condition agreee karte ho tabhi cibil enquiry ka consent ho jata hai, their website is not meant for test
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8944313
drupal wrote:Isme Aisa kya bura ho gya cibil enquiry hi to ki hai BOB ne kaun si bhains khol li itna mat daro cibil enquiry se kuchh nahi hota, aap jab apply ki term and condition agreee karte ho tabhi cibil enquiry ka consent ho jata hai, their website is not meant for test
OK got it, my bad, as soon as you apply, even if you do partial application, CIBIL enquiry is done (although they did 3 enquiries in a short period). And anyway, it has a low impact on CIBIL score. Topic over and done, I got the card. Move on.
https://www.desidime.com/discussions/bob-did-hard-cibil-enquiry-processed-rejected-half-filled-cc-application-without-confirmation-consent?page=1#post_8944366
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fanahvivaan wrote:I think if your mobile number and PAN are same, it'll resume automatically.
How did u resumed your application? i couldn't find any link to resume the application.
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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....