https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282352
so much for just a card !!!
My experience with RBI ombudsman and a certain private bank!
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So I opened an account last October or November in a certain private bank. In March this year I got a pre-approved credit card offer by email. I clicked on the link and was given a option of 4 basic cards all LTF. I chose a debit cum credit card (You might have guessed the name of the bank now) since I just wanted a CC for bank offers as my main CC is of other bank. The application was instantly approved and virtual card was shared same day by email. In 1-2 days I got the card dispatched mail too.
One week passed and I didn't get the card. So I called customer care and they told me the debit card portion is not generated yet as my account was opened online and not eligible for this card. I asked them if my account is not eligible then why offer the card as LTF pre-approved but they had no answer. I escalated to nodal officer then PNO then MD/CEO but all gave same copy-paste answer that they need to cancel the generated card and I need to freshly apply if I want some other card. I asked to change the variant but that also they denied. All this after they themselves had offered the card pre-approved and CIBIL inquiry was done and new account was opened in CIBIL and I had started using virtual card. Now within a month of opening they were asking me to close card.
So after 2 months of escalating everywhere I wrote to RBI ombudman on 14th May 2023. On 17th May 2023 the bank called me and provided another card which is showing up in mobile and netbanking now. So if your case is genuine don't give up. Escalate everywhere and then finally complain to RBI.
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Top Comments
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282362
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282369
Why hide name of the bank?
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282397
HDFC
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282401
Indusind 🫢
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282415
Kotak 811
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282453
Rbl bank
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282461
Union Bank
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282481
urmila.contact wrote:That is a public sector bank I think not private!Union Bank
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282483
I hate this certain bank
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282523
Indus
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282532
I have no account in Certain bank .no headche.
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282617
jio payments bank
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282644
Did you sent any proofs to banking ombudsman..?
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282665
Harish.agarwal wrote:Aisa bhi koi bank hai ?jio payments bank
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282862
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282899
is this any contest to guess the bank??
if you are posting this info as a FYI for others and really want to help them if they are planning to open an account with that suspense bank then what is the use of not mentioning the bank name as if the bank or someone is going to sue you or the bank's share price is going to tumble down 😃
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9282939
arundass007378 wrote:The bank's name is easily known. It's the top comment. Why are you having your panties in a bunch over it ?is this any contest to guess the bank??
if you are posting this info as a FYI for others and really want to help them if they are planning to open an account with that suspense bank then what is the use of not mentioning the bank name as if the bank or someone is going to sue you or the bank's share price is going to tumble down 😃
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9283314
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romilq wrote:even I saw it in the top comment which was after 2hrs your original post and thought of not replying but seeing this useless way to garner comments (as for me it didn't really made sense to not to disclose the bank name if you really thought of helping folks here) so asked my question which was "why not to mention it in your post itself" rather than wasting fellow dimers's 2hrs time to comment the bank's name 😀
The bank's name is easily known. It's the top comment. Why are you having your panties in a bunch over it ?
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9283336
You are one of the lucky one. Working of banking Ombudsman s mostly sham (Personal Exp.). You had dealing with a pvt bank and thy might hv taken corrective measures just to close the complaint. Otherwise, banking ombudsman might have closed your complaint without communicating anything to you. You can check the statistics of resolution provided by Banking Ombudsman. You can also find several articles on that.
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9283390
anyways thanks for the post and what was the CC variant they offered? earlier for Legend they had 1RP = 1Re but it was reduced to 0.75Rs and Aura variant ones have it as 0.4Rs whereas Amazon ICICI LTF has CB at 1% minimum and yeah you had mentioned for bank offers during sale but not much in recent time in Amazon/Flipkart I guess... asking all these queries as I too have a IndusInd CC (Platinum)lying around without any use and thinking of closing it.. 😃😃
https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=1#post_9283452
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arundass007378 wrote:Are you a special kind of a nutcase ? Only one private bank issues debit cum credit card in India. If I wanted people to not know the bank's name I would not have given any clue. I just didn't want to name any bank directly.
even I saw it in the top comment which was after 2hrs your original post and thought of not replying but seeing this useless way to garner comments (as for me it didn't really made sense to not to disclose the bank name if you really thought of helping folks here) so asked my question which was "why not to mention it in your post itself" rather than wasting fellow dimers's 2hrs time to comment the bank's name 😀
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This is called Fight 4 Right. Why to give up, when one is not wrong at all.