Issue Resolved 2000 Compensation From Federal Bank

[6ix9ine]

Can anyone guide for SBI Cashback. They denied at PNO level as well quoting I have large number of credit cards

Then close the cards, that is SBI's policy and it's been there from ages. RBIO won't help you in that.

 

[PavvanPavvan is verified member.]

When i applied scapia
I had two fedral cards
I had Jupiter account
had 7 enquirers in 30 days

I believe these are just random reasons actual reason is something else

 

[Boy 07]

I compliant to RBIO against IDFC first bank on 28-01-2025
Today I recieved BO email and ask some evidence to against IDFC
I need to send my Cibil report as proof that I have not done any late payment
So should I send my whole report or only the pages where my loan account shown
Is there any problem may faces to send full report as there are lots of accounts

 

[La pasión]

Can anyone guide for SBI Cashback. They denied at PNO level as well quoting I have large number of credit cards

Sbi rbi ko jeb mai leke chalta h. Bhul ja cashback card. Credit Kai piche mat bhago kotak debit lelo 5% sbi cashback sai jada mcc cover h usmai par cashback dena unaki modd pai h. Man hoga to denge nahi hoga to nahi denge

 

[Anupama_Jha]

I compliant to RBIO against IDFC first bank on 28-01-2025
Today I recieved BO email and ask some evidence to against IDFC
I need to send my Cibil report as proof that I have not done any late payment
So should I send my whole report or only the pages where my loan account shown
Is there any problem may faces to send full report as there are lots of accounts

Complile this way

First 2-3 pages - which contains ur name, id, address, mobile and email

next all pages comprising of idfc card details, it might be 2-3

At last, 1-2 pages consisting lastest enquiries.

 

[Boy 07]

T

Complile this way

First 2-3 pages - which contains ur name, id, address, mobile and email

next all pages comprising of idfc card details, it might be 2-3

At last, 1-2 pages consisting lastest enquiries.

Thanks should I combined the following pages in a pdf or saparate like a screen short.

 

[Anupama_Jha]

T
Thanks should I combined the following pages in a pdf or saparate like a screen short.

PDF is preferred

 

[Boy 07]

T
Thanks should I combined the following pages in a pdf or saparate like a screen short.

Riplay from BO



uery: Credit card application rejection related Bank’s Submission: • We affirm that the bank uses a system-driven automated underwriting process that is based on certain rules and eligibility criteria on a non-discriminatory basis. • After receipt of the application, we also undertake verification of the details provided by the applicant, including the addresses provided. • On-boarding a customer by extending the facility of the credit card and establishing a relationship is considered based on several other parameters, such as his or her demographics, track record, credit reports from credit information companies, repayment capacity, etc. • It is submitted that the above-mentioned customer applied for the credit card facility from the bank on December 27, 2024, via his application number 04290679. • The application was evaluated in accordance with the bank's internal credit procedures. • However, upon evaluation of the application, we have observed that the customer has historical delinquency on RC Asset with account number 25894. Hence, we have declined his credit card application. • A copy of an email sent to the customer in this regard is attached for your kind perusal. In light of the aforementioned facts, we request that you consider this issue resolved and dealt with by IDFC FIRST Bank Ltd. Attachments: - Email response sent to customer - Credit card application form copy - SMS comm logs



You are requested to revert within three days against the above submission by the bank, failing which your complaint will be closed. You are further requested to share any evidence which you may have to counter the bank's claim and/or substantiate the complaint.

 

[Anupama_Jha]

Riplay from BO



uery: Credit card application rejection related Bank’s Submission: • We affirm that the bank uses a system-driven automated underwriting process that is based on certain rules and eligibility criteria on a non-discriminatory basis. • After receipt of the application, we also undertake verification of the details provided by the applicant, including the addresses provided. • On-boarding a customer by extending the facility of the credit card and establishing a relationship is considered based on several other parameters, such as his or her demographics, track record, credit reports from credit information companies, repayment capacity, etc. • It is submitted that the above-mentioned customer applied for the credit card facility from the bank on December 27, 2024, via his application number 04290679. • The application was evaluated in accordance with the bank's internal credit procedures. • However, upon evaluation of the application, we have observed that the customer has historical delinquency on RC Asset with account number 25894. Hence, we have declined his credit card application. • A copy of an email sent to the customer in this regard is attached for your kind perusal. In light of the aforementioned facts, we request that you consider this issue resolved and dealt with by IDFC FIRST Bank Ltd. Attachments: - Email response sent to customer - Credit card application form copy - SMS comm logs



You are requested to revert within three days against the above submission by the bank, failing which your complaint will be closed. You are further requested to share any evidence which you may have to counter the bank's claim and/or substantiate the complaint.

Yeah, reply in same trail.

 

[Boy 07]

Yeah, reply in same trail.

I have no a single late payment in my Cibil and I have NOC from IDFC which is issued in 2022 i wil attached both in the email

 

[n69b]

Yess if u have reached till last level of bank's grievance redressal mechanism.

No you don't have to mandatorily go till the last level. If you are not satisfied by the resolution provided by bank be it any level, you can register your grievance with RBI.

 

[Boy 07]

No you don't have to mandatorily go till the last level. If you are not satisfied by the resolution provided by bank be it any level, you can register your grievance with RBI.

Should we wait for 30 days or can I lodge a complaint with in 30 days if not satisfied with response from all three levels

 

[Anupama_Jha]

Should we wait for 30 days or can I lodge a complaint with in 30 days if not satisfied with response from all three levels

Apply since u already got final reply from them.

 

[ravindra420]

Recently mine scapia card also declined, reason was not shared, let's see when they share the reason

 

[n69b]

Should we wait for 30 days or can I lodge a complaint with in 30 days if not satisfied with response from all three levels

You don't have to wait. Since you received a response and you are not satisfied, you can lodge your complaint.


Read para 15 for more details

Reserve Bank of India

 

[indianets]

When i applied scapia
I had two fedral cards
I had Jupiter account
had 7 enquirers in 30 days

I believe these are just random reasons actual reason is something else

Bro, what did you chose here?

View attachment 88893

 

[indianets]

Bro, what did you chose here?

View attachment 88893

Sorry, wrong tag.

I meant to ask the OP @Rashikv, could you please tell me which category and sub-category you selected, there is no exact category about not providing reason for rejection. TIA

 

[Rashikv]

Sorry, wrong tag.

I meant to ask the OP @Rashikv, could you please tell me which category and sub-category you selected, there is no exact category about not providing reason for rejection. TIA

I couldn't see your attachment.
I selected 'card issue/maintenance and pin' as sub category 1 and 'other issues' as sub category 2.

 

[Rashikv]

Lol, PNO is redirecting to mail NO?🤣

What's the point of keeping PNO then?🤡

It's not even NO, they are asking to contact level 1. NO is level 2

 

[Rashikv]

Jupiter was rejecting my savings account onboarding. And they had to pay 2k.
It seems that Federal has an all-flat 2k compensation scheme.

In my case compensation was decided by RBI, not bank