My experience with RBI ombudsman and a certain private bank!

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Last Comment 2023-05-28

2023-05-19

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=2#post_9282550

superdesi

2023-05-19

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Cool07 wrote:
so much for just a card !!!

This is called Fight 4 Right. Why to give up, when one is not wrong at all.

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9282401

rahulsoni0706846

2023-05-19

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Indusind 🫢

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9283314

arundass007378

2023-05-19

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

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 😀

39 Comments |

23 Dimers

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https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9283490

arundass007378

2023-05-20

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romilq 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.

I just didn't want to name any bank directly --- hehe 😜 this was the only reason why I had commented here initially and even now as wanted to know whether there is any harm to disclose the bank name here as that is the main reason we have this forum to share info and help others by creating awareness and this way we are not defaming any bank but only to make folks stay alert, so either you say the bank or don't say but rather you were giving clues as for sure not all would know which private bank does that and eventually have to google/spend more time to find it and this made me feel what incomplete (half info half crap) you are posting in the form of information here..
chill bro!!😝 and sorry if it didn't go well with you.. don't want to spoil your weekend mood on a Friday night !!😎

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9283496

romilq

2023-05-20

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arundass007378 wrote:
I just didn't want to name any bank directly --- hehe 😜 this was the only reason why I had commented here initially and even now as wanted to know whether there is any harm to disclose the bank name here as that is the main reason we have this forum to share info and help others by creating awareness and this way we are not defaming any bank but only to make folks stay alert, so either you say the bank or don't say but rather you were giving clues as for sure not all would know which private bank does that and eventually have to google/spend more time to find it and this made me feel what incomplete (half info half crap) you are posting in the form of information here..
chill bro!!😝 and sorry if it didn't go well with you.. don't want to spoil your weekend mood on a Friday night !!😎

I think its upto the user here what they want to mention and what not. You are not entitled to anything.

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9283989

sanketpero

2023-05-20

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

What is he afraid of 🤣

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9284020

shraaj

2023-05-20

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sanketpero wrote:
What is it op trying to achieve by not telling bank name directly.
What is he afraid of 🤣

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

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9284187

romilq

2023-05-20

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shraaj wrote:
OP is afraid of the IndusInd Bank Lawyer/Management that they will sue him,for defamation😝

No such fear. No reason to not mention the name. I just felt like it.

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9286977

demerius2020

2023-05-21

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rahulsoni0706846 wrote:
Indusind 🫢

never trust indusind with your money , they r highly unprofessional top to bottom

thank me later

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9286984

rahulsoni0706846

2023-05-21

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demerius2020 wrote:
never trust indusind with your money , they r highly unprofessional top to bottom

thank me later

👍

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9289643

sumanthbhe

2023-05-23

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Patanjali Bank

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9301896

rock_007

2023-05-28

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romilq wrote:
No reason. Though the bank can be easily identified. Only one private bank in India offers debit cum credit card.

Indusind?

https://www.desidime.com/discussions/my-experience-with-rbi-ombudsman-and-a-certain-private-bank?page=2#post_9302684

romilq

2023-05-28

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rock_007 wrote:
Indusind?

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