OneCard Credit Card closed without my consent....!!!Seeking guidance to file RBI OMBUDSMAN CASE...

[Salman925492]

Hi Guy's, seeking advice from you guy's,

I have sent a mail to OneCard Helpdesk and nodal & Grievance on 20 Dec 2024, 9:51 pm.
This is what I written "Dear OneCard Help Team,
I am again writing to request a conversion of my secured OneCard Ending with 5710(issued on the basis of a fixed deposit Rs 10,000) to an unsecured OneCard.I've been a loyal OneCard user since January 26, 2022, and appreciate the opportunity you provided to build my credit history. As my first credit card, I've used it responsibly, consistently making all bill payments on time and in full. This responsible usage has significantly improved my CIBIL score, which currently stands above 770+.Through responsible credit card usage, I've also accumulated a good number of rewards points with OneCard. Additionally, my improved CIBIL score has qualified me for unsecured credit cards with credit limits exceeding ₹1 lakh from other leading banks:
1. SBM OneCard CC - ₹10,200
2. Kotak League RuPay CC - ₹20,000
3. HDFC TATA NEU RUPAY CC - ₹83,000
4. AMAZON PAY ICICI CC - ₹1,20,000
5. ICICI CORAL RUPAY CC - ₹1,20,000
6. SBI SIMPLY SAVE RUPAY - ₹1,09,000
7. RBL SHOPRITE RUPAY CC - ₹40,000
8. FLIPKART AXIS CC - ₹1,02,000
9. FEDERAL RUPAY SIGNET CC - ₹1,00,800
10. IDFC FIRST MILLENNIA CC - ₹1,00,000
11. AXIS NEO RUPAY CC - ₹1,02,000
12. SBI CASHBACK CC - ₹1,09,000
While I recognize the benefits of unsecured credit cards, I would prefer to continue using OneCard due to my positive experience and accumulated rewards. However, I would also appreciate the flexibility of having my fixed deposit returned.

This is the last time I'm requesting to you guy's otherwise im unfortunately i'm going to close the fd & end the relationship between the me and OneCard.Therefore, I kindly request you to consider converting my secured OneCard to an unsecured OneCard. I've attached a copy of my recent CIBIL report for your reference.

Then i got an replies from OneCard on
20 Dec 2024, 9:52 pm Ticket ID: 6945924
One of our CX associates is going through your email and will be in touch with you within 48 hours.

Then again I got an call from OneCard Representatives 22 Dec 2024, 12:24 pm
She said that we're not able to provide the upgrade offer (fd to non fd OneCard cc).
Then I clear asked, "WHAT IS THE PROCESS OF CLOSING THE ONECARD CREDIT CARD...? I WANT TO KNOW." that's it from side. Then again she replied "You'll get an call from our side regarding Closure process."

Then I waited for it but then I got an email stating that "my OneCard Credit Card has been closing in next 3-4 days."
I again sent mail Grievances then again I got an call from Grievances team said from your request only we closing the card. We tried to connecting but i didn't happen we think you said YES so we did the complete closure process.
I said "i have call recordings and evidence at no point did I request or authorize the closure of my account of the FD."

Then again got an email from OneCard Grievances team On 26 Dec 2024, 3:57 pm
Regarding your recent query with ticket ID: 6945924, we would like to clarify that the request for closing your OneCard account was initiated only after receiving your confirmation. As per our records, the account closure was processed following your explicit consent on 22 Dec 2024 at 12:24 PM.
If you believe there has been a misunderstanding or have any call recordings or other evidence that suggests otherwise, please share them with us. This will allow us to review the matter thoroughly and take appropriate action if necessary.
Then I replied with call recordings as evidence.
Yes i have proof,I attached call recording of that call.I clearly said "what is the process the close the one card" That's it
Why should i close OneCard for not getting upgrade offer on December 22 2024. I going to use till the Jan or March 2025 or continue To Mature the my 2-4 fd which is on onecard.
Your representative said you'll get an call regarding this.
I waited for that call but i didn't get any call.


Then I got an mail from grievances@fplabs.tech on 30 Dec 2024, 2:18 pm
As per our telephonic conversation, we sincerely apologise for the unexpected closure of your card account without your prior consent. We deeply regret any inconvenience or disruption this may have caused you.
We understand the importance of your card and the impact this situation may have had on your financial activities, please be assured that this was not our intention, and we are taking this matter very seriously.
As discussed during our phone conversation, we will be issuing an Amazon voucher worth INR 1,000, equivalent to the maturity amount of the fixed deposit.
We kindly request your confirmation to proceed, after which we will share the Amazon voucher code with you.
They clearly mentioned that "It's their fault,they closed my OneCard CC without my explicit consent"

Then I replied to them to
help@getonecard.app
grievances@fplabs.tech
nodalofficer@fplabs.tech
On 30 Dec 2024, 5:24 pm

Subject: Urgent Request for Reissuance of My OneCard and Rectification of Unsolicited Closure

Dear Escalation and Grievance Redressal Team,
I hope this email finds you well. I am writing to express my deep concern and dissatisfaction regarding the closure of my OneCard ending with 5710, which was done without my consent, prior notice, or a direct call from your team.

This card, issued on the basis of a fixed deposit, is crucial for maintaining my long credit history, and its sudden closure is not only unwarranted but also has serious implications for my CIBIL score and overall credit standing. It is the oldest card in my CIBIL report, and I do not wish to lose this valuable piece of my credit history due to what I believe was a mistake on your part.

To summarize:
1. I have been requesting for a conversion from secured to unsecured OneCard since September 2024 (with email correspondence and tweets regarding the same), as my credit score has improved significantly (above 770+), and I now qualify for multiple unsecured credit cards from other leading banks.
2. Despite these repeated requests, I was informed that no such offer would be made to me and that I should keep using my OneCard app to "attract" the upgrade offer, as per several responses from your team.
3. On December 22, 2024, I had a conversation with your representative, where I merely inquired about the process to close the card, and never requested for the closure. Despite this, my card was closed without my consent, and my FD was refunded prematurely, resulting in a loss of interest that was due to me.
4. I have raised this issue multiple times and attached call recordings as evidence of my intention. Your team has now admitted that the closure was made without my explicit consent, which has caused significant inconvenience, not to mention the potential damage to my credit history.
I would like to reiterate my request to reissue my OneCard, as I am still in possession of my FD and wish to continue benefiting from the long credit history associated with this card. I am willing to transfer the same FD amount again to reinstate the secured card.
I understand that mistakes can happen, but the impact this has had on my financial situation and emotional well-being is significant. I believe it is only fair that you rectify this error by reissuing my OneCard and ensuring that my CIBIL score remains unaffected.
Please let me know how we can proceed to resolve this issue as soon as possible. If the situation is not addressed satisfactorily, I will have no choice but to escalate this matter to the RBI Ombudsman and Consumer Forum, as I feel that my consumer rights have been violated.
No response from their end
Again same bla blah....

Again I sent an email on 2 Jan 2025, 12:43 pm
To Both the ONECARD AND SBM BANK
help@getonecard.app
grievances@fplabs.tech
nodalofficer@fplabs.tech
customercare@sbmbank.co.in
Nodal.officer@sbmbank.co.in
principalnodalofficer@sbmbank.co.in

OneCard Credit Card Closure Complaint - Legal Action Notice
Dear OneCard
Thank you for your response regarding my complaint (Ticket ID: 7020779) about the unauthorized closure of my OneCard Credit Card.
However, I am deeply disappointed with the proposed resolution of an INR 1,000 Amazon voucher. This does not address the serious issues surrounding the closure of my account, which fall under several provisions of the RBI Ombudsman Scheme.
Here's a breakdown of the concerns that violate the guidelines set forth by the RBI Ombudsman Scheme complaint portal:
Violations of the RBI Ombudsman Scheme:
* Credit Card Closed Without Consent (Regulation 5(2) of CoD Regulations, 2022): My OneCard Credit Card was closed without my explicit consent. This is a clear violation of RBI regulations.
* Unauthorized Account Closure (Regulation 5(2) of CoD Regulations, 2022): A representative made the decision to close my account without my authorization. This falls under unauthorized account closure.
* Lack of Communication (Regulation 6(1) of CoD Regulations, 2022): I was not informed before the closure through any form of communication, including calls (as per your claim that calls didn't connect). This is a violation of communication regulations.
* Misinterpretation of Conversation (Regulation 8 of CoD Regulations, 2022): During the call with the escalation team, I clarified that I never requested immediate closure. However, an email stating the opposite was sent. This is misinterpretation of conversation.
* Ignoring Evidence (Regulation 7(1) of CoD Regulations, 2022): Despite providing call recordings as proof, the closure proceeded. This is a disregard for presented evidence.
* Unsatisfactory Resolution (Regulation 13(6) of CoD Regulations, 2022): The escalation team's offer of a voucher is an unsatisfactory resolution to a serious issue.
* False Promises (Regulation 8 of CoD Regulations, 2022): Initially, the representative mentioned a call regarding the "closing process," which I interpreted as information gathering, not closure itself. This can be construed as a false promise.
* False Trade Practices (Section 2(a) of the Consumer Protection Act, 2019): The entire sequence of events, from the lack of communication to the unaddressed evidence, suggests potential false trade practices.
* No Response from Nodal Officer (Regulation 10 of CoD Regulations, 2022): My attempts to reach the nodal officer at nodalofficer@fplabs.tech have been unsuccessful. This is a violation of the regulation requiring a designated nodal officer for grievance redressal.
* Denial of Reopening (Regulation 11 of CoD Regulations, 2022): Despite providing evidence, the claim of not having the authority to reopen the account seems suspect. There should be a proper escalation process for such situations.
* Negative Impact on Credit Score (Regulation 8 of CoD Regulations, 2022): The closure of this FD-backed card negatively affects my creditworthiness, bill payment history, and credit history, especially considering it was my oldest credit line. This is a significant consequence.
Next Steps:
Given the seriousness of these violations and the lack of a satisfactory resolution, I am left with no choice but to explore further options. This includes:
* Filing a formal complaint with the RBI Ombudsman.
* Considering legal action against SBM Bank for the unauthorized closure and its consequences.
I urge you to reconsider the current offer and propose a solution that addresses the aforementioned issues. This could involve immediate reactivation of my account, a documented apology for the inconvenience caused, and compensation for the potential damage to my credit score.
Please respond within 7 business days with a revised resolution plan.

 

[Salman925492]

Can anyone help me to file a complaint with RBI?

What are the necessary steps to be taken before filing a complaint to ensure that the complaint is decided in our favor?

What should and should not be included in the redressal statement? How can I specifically cite the RBI laws or guidelines violated by SBM Bank under the RBI Ombudsman Scheme?

We need to file a complaint accordingly, and we request RBI to consider and resolve this complaint against SBM Bank.

Please help me guys...!!!

 

[Salman925492]

Update
I got an email from SBM BANK (31 Jan 2025, 11:46 am) AFTER i filed a RBI Ombudsman complaint yesterday(30 Jan 2025, 12:41 pm)

Again same things they're saying.
But no update from RBIO.

Greetings from SBM Bank India.

We refer to your RBI BO complaint- N20242xxxxxxx388. We observe that you had opted for a secured credit card backed by FD of ₹ 10,000.00 through our partner OneCard. You requested our bank representative to upgrade his card from secured to unsecured. However, due to oversight your card was erroneously closed by our bank representative on December 25, 2024, and FD closure proceeds of ₹ 11,231.00 credited to your Canara Bank account on December 27, 2024, via NEFT under UTR no’s STCBxxxxx257901, STCB27xxxxx57899, STCB2xxxxxx257905, STCB2xxxxxxx57903.

We apologize for the closure of your card without your consent, we would like to inform that we have offered as a goodwill gesture, Amazon vouchers worth ₹5,000.00 which is declined by you. As already advised to you vide our email dated January 24,2025, we have carefully considered your demand for compensation but beyond ₹5,000.00 worth of vouchers, the bank is not in a position to compensate further particularly as there is no negative financial impact on you.

While on the subject, we also confirm that we strictly adhere to the guidelines provided by the Reserve Bank of India (RBI) and recognize the significance of transparency and customer consent in all aspects not withstanding this one-off error.

As we have previously re-iterated in all our mails, our systems have no provision to restore / revalidate a closed SBM OneCard. For this very reason, as a goodwill gesture, we have provided you Amazon vouchers worth ₹5,000.00 which you have declined.

Hence, we request you to kindly acknowledge acceptance of the offer of ₹5000.00 Amazon vouchers.

We sincerely appreciate your co-operation in this regard so that similar situations do not re-occur in future.

Our bank’s internal Ombudsman appointed in terms of the extant RBI directions has reviewed the case.

What should I reply.?
Should I wait till to get any update from RBIO....?

 

[sjmajumder]

Update
I got an email from SBM BANK (31 Jan 2025, 11:46 am) AFTER i filed a RBI Ombudsman complaint yesterday(30 Jan 2025, 12:41 pm)

Again same things they're saying.
But no update from RBIO.

Greetings from SBM Bank India.

We refer to your RBI BO complaint- N20242xxxxxxx388. We observe that you had opted for a secured credit card backed by FD of ₹ 10,000.00 through our partner OneCard. You requested our bank representative to upgrade his card from secured to unsecured. However, due to oversight your card was erroneously closed by our bank representative on December 25, 2024, and FD closure proceeds of ₹ 11,231.00 credited to your Canara Bank account on December 27, 2024, via NEFT under UTR no’s STCBxxxxx257901, STCB27xxxxx57899, STCB2xxxxxx257905, STCB2xxxxxxx57903.

We apologize for the closure of your card without your consent, we would like to inform that we have offered as a goodwill gesture, Amazon vouchers worth ₹5,000.00 which is declined by you. As already advised to you vide our email dated January 24,2025, we have carefully considered your demand for compensation but beyond ₹5,000.00 worth of vouchers, the bank is not in a position to compensate further particularly as there is no negative financial impact on you.

While on the subject, we also confirm that we strictly adhere to the guidelines provided by the Reserve Bank of India (RBI) and recognize the significance of transparency and customer consent in all aspects not withstanding this one-off error.

As we have previously re-iterated in all our mails, our systems have no provision to restore / revalidate a closed SBM OneCard. For this very reason, as a goodwill gesture, we have provided you Amazon vouchers worth ₹5,000.00 which you have declined.

Hence, we request you to kindly acknowledge acceptance of the offer of ₹5000.00 Amazon vouchers.

We sincerely appreciate your co-operation in this regard so that similar situations do not re-occur in future.

Our bank’s internal Ombudsman appointed in terms of the extant RBI directions has reviewed the case.

What should I reply.?
Should I wait till to get any update from RBIO....?

Do not accept. Wait for RBIO decision.

How much compensation did you ask for in the RBIO complaint?

 

[Salman925492]

Do not accept. Wait for RBIO decision.

How much compensation did you ask for in the RBIO complaint?

Sir This is what i wrote in the section "Fact of complaint"
OneCard credit card closed without consent. Requested upgrade from secured to unsecured with SBM Bank. Instead card closed without explicit consent or prior notice. SBM denied fault initially claiming consent then citing failed call attempts. Escalation team and nodal officers also denied banks error. Provided call recordings as incontrovertible proof of initial agreement and lack of consent for closure. Despite this evidence they refuse to reopen. Offered Amazon voucher as goodwill denying responsibility. Nodal officer misrepresented that RBI Ombudsman couldnt resolve this claiming no one could provide 5000 compensation reinforcing the voucher offer. This was reiterated in email. Promised upgrade path September 2024 but delivered false promises and offers. Call recording proves expressed desire to keep card open with assurance of contact before closure which never happened. Premature closure of FD and associated loss of interest. Even nodal officer and grievance team admitted We sincerely apologize for the unexpected closure of your card account without your prior consent. We deeply regret any inconvenience or disruption this may have caused and truly empathize with the challenges this situation may have created in your financial activities. Please rest assured this was never our intention. Card closure caused significant distress preventing ecommerce purchases including during Republic Day sale and crucial train ticket bookings for almost three billing cycles. Request immediate card reinstatement compensation for distress misrepresentation FD interest loss expenses incurred harassment and mental anguish.


1.Disputed Amount (Rs.) 10200 ( CC LIMIT )
2.Compensation sought for dispute, if any
(in Rupees) 30000 ( for almost 2 billing cycles )
3.Compensation sought for expenses incurred, harassment and mental anguish, if any (in Rupees) 50000

 

[sjmajumder]

Sir This is what i wrote in the section "Fact of complaint"
OneCard credit card closed without consent. Requested upgrade from secured to unsecured with SBM Bank. Instead card closed without explicit consent or prior notice. SBM denied fault initially claiming consent then citing failed call attempts. Escalation team and nodal officers also denied banks error. Provided call recordings as incontrovertible proof of initial agreement and lack of consent for closure. Despite this evidence they refuse to reopen. Offered Amazon voucher as goodwill denying responsibility. Nodal officer misrepresented that RBI Ombudsman couldnt resolve this claiming no one could provide 5000 compensation reinforcing the voucher offer. This was reiterated in email. Promised upgrade path September 2024 but delivered false promises and offers. Call recording proves expressed desire to keep card open with assurance of contact before closure which never happened. Premature closure of FD and associated loss of interest. Even nodal officer and grievance team admitted We sincerely apologize for the unexpected closure of your card account without your prior consent. We deeply regret any inconvenience or disruption this may have caused and truly empathize with the challenges this situation may have created in your financial activities. Please rest assured this was never our intention. Card closure caused significant distress preventing ecommerce purchases including during Republic Day sale and crucial train ticket bookings for almost three billing cycles. Request immediate card reinstatement compensation for distress misrepresentation FD interest loss expenses incurred harassment and mental anguish.


1.Disputed Amount (Rs.) 10200 ( CC LIMIT )
2.Compensation sought for dispute, if any
(in Rupees) 30000 ( for almost 2 billing cycles )
3.Compensation sought for expenses incurred, harassment and mental anguish, if any (in Rupees) 50000

You should get more than 5K from RBIO. Don't accept bank's offer, wait for BO order.

 

[Salman925492]

You should get more than 5K from RBIO. Don't accept bank's offer, wait for BO order.

Thanks for your suggestions sir.
Now I'm waiting for RBIO reply...!

 

[Salman925492]

Thanks for your suggestions sir.
Now I'm waiting for RBIO reply...!

How much time will take get update or reply from RBIO after filing case...?
I have filed on 31 Jan 2025.

 

[Gownandha]

How much time will take get update or reply from RBIO after filing case...?
I have filed on 31 Jan 2025.

Any update received?

 

[Salman925492]

Any update received?

No bro no update from RBIO...!!!
15 days...!!!

 

[prashhant]

Any update ?

 

[Salman925492]

Any update ?

Not yet brother.....!!! Still waiting...!

 

[Salman925492]

Update Guy's...!!!

I got an email from crpc@rbi.org.in on 28 Mar 2025, 1:08 pm

Here it's what they said.
Dear SALMANAHMED HUILGOL,
Please refer your complaint reference number N202425002023388 against regulated entity (RE), SBM BANK (INDIA) LTD. In this regard, RE has submitted its version as stated below and related documents in the attachments.
“(i)The customer in the instant case had opted for a secured credit card backed by FD of ₹ 10,000.00 through our partner One Card.
(ii)He requested our bank representative to upgrade his card from secured to unsecured. However, due to oversight, customer card was erroneously closed by our bank representative on December 25, 2024, and FD closure proceeds of ₹ 11,231.00 credited to his Canara Bank account on December 27, 2024 via NEFT under UTR no’s STCB271224257901, STCB271224257899, STCB271224257905, STCB271224257903.
(iii)We apologize for the closure of customer card without his consent, we would like to inform that we offered to him as a goodwill gesture, Amazon vouchers worth ₹5,000.00 which is declined by him. We have carefully considered his demand for compensation but beyond ₹.5000 worth of vouchers, the bank is not in a position to compensate further particularly as there is no negative financial impact on him.
(iv)The above details we have already communicated with customer vail email. Upon receipt of the complaint, we have once again communicated with customer via email dated January 31, 2025.”
2. You are, therefore, advised to go through the RE’s version and offer your comments, if any, by 04.04.2025 failing which, it will be assumed that you have no further comments to offer and the Ombudsman shall proceed with adjudicating the case under suitable Clause of the Integrated Ombudsman Scheme, 2021.
3. This is for your information please.

what should I do now...?
Should I reply them over over email to this email..?
In RBIO complaint portal its showing same status as earlier as it was...!
Please help me now brother.
I don't want card anymore.
They again saying 5k Amazon voucher which I dint want even rbio approv this 5000 I'll take in my bank account.
What's the next Procedure yo deal with this.
In this email They sent again old email conversation between me and sbm bank regarding voucher.which I refused.

And mainly They have mentioned that I should response within 04.04.2025 or else my case will be closed.
Is it genuine 🤔...?

I'm tagged some of you please help me.
I have attached some screenshot please go through it if possible.
Thanks in advance.

@sjmajumder @Vasuki @SSV @Aniket @Wealth is my birth right! @BVC @jetesh @hariselio @Sudip @rohant @Mohammad @vijay.vj @Rashikv @Mr. X @Juganta @Quantum @VISHESH_BANSAL @Lobogris @xfactcc @Desu Sarath

 

[SSV]

Update Guy's...!!!

I got an email from crpc@rbi.org.in on 28 Mar 2025, 1:08 pm

Here it's what they said.
Dear SALMANAHMED HUILGOL,
Please refer your complaint reference number N202425002023388 against regulated entity (RE), SBM BANK (INDIA) LTD. In this regard, RE has submitted its version as stated below and related documents in the attachments.
“(i)The customer in the instant case had opted for a secured credit card backed by FD of ₹ 10,000.00 through our partner One Card.
(ii)He requested our bank representative to upgrade his card from secured to unsecured. However, due to oversight, customer card was erroneously closed by our bank representative on December 25, 2024, and FD closure proceeds of ₹ 11,231.00 credited to his Canara Bank account on December 27, 2024 via NEFT under UTR no’s STCB271224257901, STCB271224257899, STCB271224257905, STCB271224257903.
(iii)We apologize for the closure of customer card without his consent, we would like to inform that we offered to him as a goodwill gesture, Amazon vouchers worth ₹5,000.00 which is declined by him. We have carefully considered his demand for compensation but beyond ₹.5000 worth of vouchers, the bank is not in a position to compensate further particularly as there is no negative financial impact on him.
(iv)The above details we have already communicated with customer vail email. Upon receipt of the complaint, we have once again communicated with customer via email dated January 31, 2025.”
2. You are, therefore, advised to go through the RE’s version and offer your comments, if any, by 04.04.2025 failing which, it will be assumed that you have no further comments to offer and the Ombudsman shall proceed with adjudicating the case under suitable Clause of the Integrated Ombudsman Scheme, 2021.
3. This is for your information please.

what should I do now...?
Should I reply them over over email to this email..?
In RBIO complaint portal its showing same status as earlier as it was...!
Please help me now brother.
I don't want card anymore.
They again saying 5k Amazon voucher which I dint want even rbio approv this 5000 I'll take in my bank account.
What's the next Procedure yo deal with this.
In this email They sent again old email conversation between me and sbm bank regarding voucher.which I refused.

And mainly They have mentioned that I should response within 04.04.2025 or else my case will be closed.
Is it genuine 🤔...?

I'm tagged some of you please help me.
I have attached some screenshot please go through it if possible.
Thanks in advance.

@sjmajumder @Vasuki @SSV @Aniket @Wealth is my birth right! @BVC @jetesh @hariselio @Sudip @rohant @Mohammad @vijay.vj @Rashikv @Mr. X @Juganta @Quantum @VISHESH_BANSAL @Lobogris @xfactcc @Desu Sarath

@sjmajumder will help you..
Thanks mate

 

[sjmajumder]

Update Guy's...!!!

I got an email from crpc@rbi.org.in on 28 Mar 2025, 1:08 pm

Here it's what they said.
Dear SALMANAHMED HUILGOL,
Please refer your complaint reference number N202425002023388 against regulated entity (RE), SBM BANK (INDIA) LTD. In this regard, RE has submitted its version as stated below and related documents in the attachments.
“(i)The customer in the instant case had opted for a secured credit card backed by FD of ₹ 10,000.00 through our partner One Card.
(ii)He requested our bank representative to upgrade his card from secured to unsecured. However, due to oversight, customer card was erroneously closed by our bank representative on December 25, 2024, and FD closure proceeds of ₹ 11,231.00 credited to his Canara Bank account on December 27, 2024 via NEFT under UTR no’s STCB271224257901, STCB271224257899, STCB271224257905, STCB271224257903.
(iii)We apologize for the closure of customer card without his consent, we would like to inform that we offered to him as a goodwill gesture, Amazon vouchers worth ₹5,000.00 which is declined by him. We have carefully considered his demand for compensation but beyond ₹.5000 worth of vouchers, the bank is not in a position to compensate further particularly as there is no negative financial impact on him.
(iv)The above details we have already communicated with customer vail email. Upon receipt of the complaint, we have once again communicated with customer via email dated January 31, 2025.”
2. You are, therefore, advised to go through the RE’s version and offer your comments, if any, by 04.04.2025 failing which, it will be assumed that you have no further comments to offer and the Ombudsman shall proceed with adjudicating the case under suitable Clause of the Integrated Ombudsman Scheme, 2021.
3. This is for your information please.

what should I do now...?
Should I reply them over over email to this email..?
In RBIO complaint portal its showing same status as earlier as it was...!
Please help me now brother.
I don't want card anymore.
They again saying 5k Amazon voucher which I dint want even rbio approv this 5000 I'll take in my bank account.
What's the next Procedure yo deal with this.
In this email They sent again old email conversation between me and sbm bank regarding voucher.which I refused.

And mainly They have mentioned that I should response within 04.04.2025 or else my case will be closed.
Is it genuine 🤔...?

I'm tagged some of you please help me.
I have attached some screenshot please go through it if possible.
Thanks in advance.

@sjmajumder @Vasuki @SSV @Aniket @Wealth is my birth right! @BVC @jetesh @hariselio @Sudip @rohant @Mohammad @vijay.vj @Rashikv @Mr. X @Juganta @Quantum @VISHESH_BANSAL @Lobogris @xfactcc @Desu Sarath

@sjmajumder will help you..
Thanks mate

You need to reply to the email before the deadline given. You can state your demands and if there is anything in the bank's response that is not true, you should highlight clearly. All the Best!

 

[Rashikv]

Update Guy's...!!!

I got an email from crpc@rbi.org.in on 28 Mar 2025, 1:08 pm

Here it's what they said.
Dear SALMANAHMED HUILGOL,
Please refer your complaint reference number N202425002023388 against regulated entity (RE), SBM BANK (INDIA) LTD. In this regard, RE has submitted its version as stated below and related documents in the attachments.
“(i)The customer in the instant case had opted for a secured credit card backed by FD of ₹ 10,000.00 through our partner One Card.
(ii)He requested our bank representative to upgrade his card from secured to unsecured. However, due to oversight, customer card was erroneously closed by our bank representative on December 25, 2024, and FD closure proceeds of ₹ 11,231.00 credited to his Canara Bank account on December 27, 2024 via NEFT under UTR no’s STCB271224257901, STCB271224257899, STCB271224257905, STCB271224257903.
(iii)We apologize for the closure of customer card without his consent, we would like to inform that we offered to him as a goodwill gesture, Amazon vouchers worth ₹5,000.00 which is declined by him. We have carefully considered his demand for compensation but beyond ₹.5000 worth of vouchers, the bank is not in a position to compensate further particularly as there is no negative financial impact on him.
(iv)The above details we have already communicated with customer vail email. Upon receipt of the complaint, we have once again communicated with customer via email dated January 31, 2025.”
2. You are, therefore, advised to go through the RE’s version and offer your comments, if any, by 04.04.2025 failing which, it will be assumed that you have no further comments to offer and the Ombudsman shall proceed with adjudicating the case under suitable Clause of the Integrated Ombudsman Scheme, 2021.
3. This is for your information please.

what should I do now...?
Should I reply them over over email to this email..?
In RBIO complaint portal its showing same status as earlier as it was...!
Please help me now brother.
I don't want card anymore.
They again saying 5k Amazon voucher which I dint want even rbio approv this 5000 I'll take in my bank account.
What's the next Procedure yo deal with this.
In this email They sent again old email conversation between me and sbm bank regarding voucher.which I refused.

And mainly They have mentioned that I should response within 04.04.2025 or else my case will be closed.
Is it genuine 🤔...?

I'm tagged some of you please help me.
I have attached some screenshot please go through it if possible.
Thanks in advance.

@sjmajumder @Vasuki @SSV @Aniket @Wealth is my birth right! @BVC @jetesh @hariselio @Sudip @rohant @Mohammad @vijay.vj @Rashikv @Mr. X @Juganta @Quantum @VISHESH_BANSAL @Lobogris @xfactcc @Desu Sarath

you can specify why you are eligible for more compensation in your reply, also you can ask bank to give compensation in your bank account.

 

[Desu Sarath]

Update Guy's...!!!

I got an email from crpc@rbi.org.in on 28 Mar 2025, 1:08 pm

Here it's what they said.
Dear SALMANAHMED HUILGOL,
Please refer your complaint reference number N202425002023388 against regulated entity (RE), SBM BANK (INDIA) LTD. In this regard, RE has submitted its version as stated below and related documents in the attachments.
“(i)The customer in the instant case had opted for a secured credit card backed by FD of ₹ 10,000.00 through our partner One Card.
(ii)He requested our bank representative to upgrade his card from secured to unsecured. However, due to oversight, customer card was erroneously closed by our bank representative on December 25, 2024, and FD closure proceeds of ₹ 11,231.00 credited to his Canara Bank account on December 27, 2024 via NEFT under UTR no’s STCB271224257901, STCB271224257899, STCB271224257905, STCB271224257903.
(iii)We apologize for the closure of customer card without his consent, we would like to inform that we offered to him as a goodwill gesture, Amazon vouchers worth ₹5,000.00 which is declined by him. We have carefully considered his demand for compensation but beyond ₹.5000 worth of vouchers, the bank is not in a position to compensate further particularly as there is no negative financial impact on him.
(iv)The above details we have already communicated with customer vail email. Upon receipt of the complaint, we have once again communicated with customer via email dated January 31, 2025.”
2. You are, therefore, advised to go through the RE’s version and offer your comments, if any, by 04.04.2025 failing which, it will be assumed that you have no further comments to offer and the Ombudsman shall proceed with adjudicating the case under suitable Clause of the Integrated Ombudsman Scheme, 2021.
3. This is for your information please.

what should I do now...?
Should I reply them over over email to this email..?
In RBIO complaint portal its showing same status as earlier as it was...!
Please help me now brother.
I don't want card anymore.
They again saying 5k Amazon voucher which I dint want even rbio approv this 5000 I'll take in my bank account.
What's the next Procedure yo deal with this.
In this email They sent again old email conversation between me and sbm bank regarding voucher.which I refused.

And mainly They have mentioned that I should response within 04.04.2025 or else my case will be closed.
Is it genuine 🤔...?

I'm tagged some of you please help me.
I have attached some screenshot please go through it if possible.
Thanks in advance.

@sjmajumder @Vasuki @SSV @Aniket @Wealth is my birth right! @BVC @jetesh @hariselio @Sudip @rohant @Mohammad @vijay.vj @Rashikv @Mr. X @Juganta @Quantum @VISHESH_BANSAL @Lobogris @xfactcc @Desu Sarath

I think the compensation mentioned by Bank is good.

If the limit is high, we could have shown some bigger transactions and asked for more compensation due to usage of bank account and you lost 1 month of interest.

 

[Mr. X]

Update Guy's...!!!

I got an email from crpc@rbi.org.in on 28 Mar 2025, 1:08 pm

Here it's what they said.
Dear SALMANAHMED HUILGOL,
Please refer your complaint reference number N202425002023388 against regulated entity (RE), SBM BANK (INDIA) LTD. In this regard, RE has submitted its version as stated below and related documents in the attachments.
“(i)The customer in the instant case had opted for a secured credit card backed by FD of ₹ 10,000.00 through our partner One Card.
(ii)He requested our bank representative to upgrade his card from secured to unsecured. However, due to oversight, customer card was erroneously closed by our bank representative on December 25, 2024, and FD closure proceeds of ₹ 11,231.00 credited to his Canara Bank account on December 27, 2024 via NEFT under UTR no’s STCB271224257901, STCB271224257899, STCB271224257905, STCB271224257903.
(iii)We apologize for the closure of customer card without his consent, we would like to inform that we offered to him as a goodwill gesture, Amazon vouchers worth ₹5,000.00 which is declined by him. We have carefully considered his demand for compensation but beyond ₹.5000 worth of vouchers, the bank is not in a position to compensate further particularly as there is no negative financial impact on him.
(iv)The above details we have already communicated with customer vail email. Upon receipt of the complaint, we have once again communicated with customer via email dated January 31, 2025.”
2. You are, therefore, advised to go through the RE’s version and offer your comments, if any, by 04.04.2025 failing which, it will be assumed that you have no further comments to offer and the Ombudsman shall proceed with adjudicating the case under suitable Clause of the Integrated Ombudsman Scheme, 2021.
3. This is for your information please.

what should I do now...?
Should I reply them over over email to this email..?
In RBIO complaint portal its showing same status as earlier as it was...!
Please help me now brother.
I don't want card anymore.
They again saying 5k Amazon voucher which I dint want even rbio approv this 5000 I'll take in my bank account.
What's the next Procedure yo deal with this.
In this email They sent again old email conversation between me and sbm bank regarding voucher.which I refused.

And mainly They have mentioned that I should response within 04.04.2025 or else my case will be closed.
Is it genuine 🤔...?

I'm tagged some of you please help me.
I have attached some screenshot please go through it if possible.
Thanks in advance.

@sjmajumder @Vasuki @SSV @Aniket @Wealth is my birth right! @BVC @jetesh @hariselio @Sudip @rohant @Mohammad @vijay.vj @Rashikv @Mr. X @Juganta @Quantum @VISHESH_BANSAL @Lobogris @xfactcc @Desu Sarath

Accept the offer bro as the case Will be closed by 4 April, and if you still not satisfied then you can file formal case against them but you'll not win 😕 as bank has right to block/ close/ revoke the card membership.

 

[Salman925492]

if there is anything in the bank's response that is not true, you should highlight clearly

They ignored my evidence of call recordings as they said they'll call before closing my card which they didn't.
Next they came to know thier representative mishandled this issue even thier escalation team ignored my request.
Next nodal helpdesk department called me they're forcing to accept the offer of 5k voucher and they even said nobody will give you 5k compensation for this issue.Even RBIO CANT DO ANYTHING. He literally said this on call (i have call recordings). I said let rbio handle everything whether it's compensation or Reopening of card. Or even if they order to not to provide compensation that's ok for me.

Should I mention all this and call recordings in that reply email.

 

[Salman925492]

you can specify why you are eligible for more compensation in your reply, also you can ask bank to give compensation in your bank account.

As for as Interest concern it would have around Rs600 to Rs800 i would have earned till april if they didn't closed my card.
Now they come with offer of Rs 5000.
If i minus that interest part in this compensation. As per rbi norms I'll get only Rs 4000 as compensation.
Apart from this while this all happened in Dec-Jan. In Jan I couldn't buy some products because my card closed. On Amazon their is republic sale is going on at that time.I couldn't buy anything on this card because thier is no cost emi offer is going on.
So I should mention all this kind of staff as well.

If anything found wrong my side in this message please correct me.
Thank you

 

[Salman925492]

I think the compensation mentioned by Bank is good.

If the limit is high, we could have shown some bigger transactions and asked for more compensation due to usage of bank account and you lost 1 month of interest.

Yes brother but this is only 10k fd based cc.
Thanks for your suggestions.