Paytm Opened a Bank Ac with them without My consent

148°
Deal Subedar
EkdamSastaRaju

Called CC and told them to close my account on 21st March . Till now nothing has been done
Any other way to get this POS account closed

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Deal Cadet Deal Cadet
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post on twitter

Critic Critic
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How can they open your acc without your aadhaar/video kyc, you must have given something to them.

Deal Subedar Deal Subedar
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guest_999 wrote:

How can they open your acc without your aadhaar/video kyc, you must have given something to them.

Full Kyc user

Critic Critic
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EkdamSastaRaju wrote:

Full Kyc user

Then you probably clicked on “open bank acc” option by mistake/didn’t notice as their latest app interface is really confusing.

Deal Subedar Deal Subedar
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guest_999 wrote:

Then you probably clicked on “open bank acc” option by mistake/didn’t notice as their latest app interface is really confusing.

I didnt click on open bank or anything I would have remembered that

Any ways need a solution to close this account

Should I involve RBI ?

Critic Critic
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EkdamSastaRaju wrote:
I didnt click on open bank or anything I would have remembered that

Any ways need a solution to close this account

Should I involve RBI ?

That’s the thing, you wouldn’t remember it if you didn’t even realize you clicked it. Also it seems like you will have to close your paytm account too along with bank account.
https://www.paytmbank.com/blog/2019/09/how-to-c...
Not sure if RBI would be able to help you with this as it is probably a system limitation of paytm that once an acc is closed then linked paytm account will also need to be closed.

Deal Newbie Deal Newbie
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you can separately close the savings bank account.

Deal Subedar Deal Subedar
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R_v wrote:

you can separately close the savings bank account.

I am hoping so

Elite Elite
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You can write to them telling that if you don’t hear back this time you will file a complaint with the banking ombudsman. I have seen it to work. You can also forward all your communication to the ombudsman as adequate time has passed since you first requested for closure. Anyways, the bank account has no charges, so nothing to worry if it takes time to close.

Deal Subedar Deal Subedar
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ontherocks wrote:

You can write to them telling that if you don’t hear back this time you will file a complaint with the banking ombudsman. I have seen it to work. You can also forward all your communication to the ombudsman as adequate time has passed since you first requested for closure. Anyways, the bank account has no charges, so nothing to worry if it takes time to close.

Hey the bank account do have charges
10 per quarter for sms
and some fee for debit card and that too the card is barred from rupay offers confused

Mobile Guru Mobile Guru
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I don’t think so theycan do it.
If you need more expert advise please contact @abhishek012 @Shahskm

Elite Elite
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EkdamSastaRaju wrote:

Hey the bank account do have charges
10 per quarter for sms
and some fee for debit card and that too the card is barred from rupay offers confused

For virtual debit card there are no charges.
Since you don’t remember opting for bank account then I am assuming that you never opted for physical debit card.

Analyst Analyst
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MrKool_JJ wrote:

I don’t think so theycan do it.
If you need more expert advise please contact @abhishek012 @Shahskm

Common practice from long time

Under the pretext of doing Full kyc …kyc executives are opening bank account as well w/o intimating customer (as they get commision per bank account opening). — 90% of the cases.

Or

Op may have selected bank account opening as well by mistake while scheduling kyc.

@sastaraju

Firestorm Firestorm
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Shahskm wrote:

Common practice from long time

Under the pretext of doing Full kyc …kyc executives are opening bank account as well w/o intimating customer (as they get commision per bank account opening). — 90% of the cases.

Or

Op may have selected bank account opening as well by mistake while scheduling kyc.

@sastaraju

1st one is correct same happened with me airtel payment bank

Deal Subedar Deal Subedar
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ontherocks wrote:

For virtual debit card there are no charges.
Since you don’t remember opting for bank account then I am assuming that you never opted for physical debit card.

Yep didnt even activate my card

Deal Subedar Deal Subedar
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Shahskm wrote:

Common practice from long time

Under the pretext of doing Full kyc …kyc executives are opening bank account as well w/o intimating customer (as they get commision per bank account opening). — 90% of the cases.

Or

Op may have selected bank account opening as well by mistake while scheduling kyc.

@sastaraju

1st one is true and my kyc was done 3 years back

Deal Subedar Deal Subedar
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Looking at this thread…I checked my Paytm..
I also have Paytm bank (don’t know when was it open ).
But it says Account Blocked .I am sure I have never made any transaction on this account..Full KYC was done 2 years back (this days I hardly use Paytm..1s in a while for CC to bank or some payments)

Blaze Blaze
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Generate a request through paytm app to close the payments bank account. Payments bank account can be closed while keeping wallet active @guest_999 . If any interest is there in the payments bank account, then they will ask for an alternate bank account cancelled cheque leaf/passbook front page depicting your details (interest transfer is mandatory, otherwise they will not agree to close account) to transfer interest and then will close it.
@Sudarshan61

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