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My experience with RBI ombudsman and a certain private bank!

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Benevolent
romilq

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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Generous Generous
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so much for just a card !!! 

Benevolent Benevolent
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Yes and ?
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Benevolent Benevolent
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Why hide name of the bank?
Benevolent Benevolent
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No reason. Though the bank can be easily identified. Only one private bank in India offers debit cum credit card.

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Beacon Beacon
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HDFC

Helpful Helpful
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Indusind 🫢
Generous Generous
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never trust indusind with your money , they r highly unprofessional top to bottom

thank me later

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Helpful Helpful
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Kotak 811
Deal Cadet Deal Cadet
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Rbl bank

Generous Generous
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Union Bank

Benevolent Benevolent
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That is a public sector bank I think not private!
Generous Generous
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I hate this certain bank

Generous Generous
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Indus

Generous Generous
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I have no account  in Certain bank .no headche.

Critic Critic
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jio payments bank

Benevolent Benevolent
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Aisa bhi koi bank hai ?
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Helpful Helpful
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Did you sent any proofs to banking ombudsman..?

Benevolent Benevolent
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Yes. Email proof and application screenshots.
Deal Subedar Deal Subedar
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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 😃

Benevolent Benevolent
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The bank's name is easily known. It's the top comment. Why are you having your panties in a bunch over it ?
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Deal Cadet Deal Cadet
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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.

Deal Subedar Deal Subedar
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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.. 😃😃

Like Magnet Like Magnet
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What is it op trying to achieve by not telling bank name directly.

What is he afraid of 🤣

Deal Detective Deal Detective
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OP is afraid of the IndusInd Bank Lawyer/Management that they will sue him,for defamation😝

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Deal Cadet Deal Cadet
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Patanjali Bank

replyuser
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