Au bank VKYC weird experience

[asahi]

Normally vkyc I got accustomed was: ask dob mail etc for verification & then show pan & aadhar then sign that’s it.
Au bank:
1.no matter what I’m not allowed to show Aadhar,
2.multiple times she keeps on repeating same questions even though i answered at the very 1st time, still she keep on asking same questions & i’ve to answer the same again & again
3.i’ve to explain clearly for What purpose I’m opening this account, i’ve to explain crystal clearly
4. She asked do i have any other bank accounts then i’ve to explain about them
5. She asked, me to show my house around for some reason
6. Biggest shocker: she questioned why I’m using iCloud mail instead of gmail. So i’ve to explain why I’m using iCloud mail to her instead of gmail, what the hell man.
7. She asked me where I’m working my salary my designation & also nature of work & my company field of work(it’s just savings account man)
8. Idk why but for some reason she keep on repeating don’t use this account for other reasons

9. She enquired whether i read terms & conditions of bank, how i got to know about Au bank
10. At last she shared a mail & asked me to give feedback about our interaction. I’ll definitely give once my account is opened


Believe it or not at no point its seemed like a account opening call, it seemed like i was being questioned for my life choices it’s seems more like a grilling

 

[SSV]

Yes, they aren't even issuing to a Google employee, I'm working hard for it

I actually don’t mind AU doing these rigorous checks.. only hope they employ good third party agents to do physical verification

 

[Garry]

okay thanks . I am only interested in LIT.. I will leave this for a while and may revisit next year...

Though LIT is LTF but u need to pay for subscriptions to get benefits as per your choice.

 

[SSV]

Though LIT is LTF but u need to pay for subscriptions to get benefits as per your choice.

Got some grip on the card sir .. thanks anyway

 

[aayusharyan]

I thought Maggie would be done in 2 minutes ..

lol, Maggie cooking in 2 minutes is like people saying if you spend enough on your CC for fee waiver, it will be LTF.

 

[SSV]

lol, Maggie cooking in 2 minutes is like people saying if you spend enough on your CC for fee waiver, it will be LTF.

Good one ..

 

[gamersgzb]

Thanks for the confirmation.. but there was another care mentioned in the thread without verification thru offline.. strange..

Edit
Got the answer. Thanks

Yeah both these no verification approval happened for offline application

 

[SSV]

In these cases, the residence address should be aadhar one& employer should be there on CIBIL & an MNC

Yeah both these no verification approval happened for offline application

Do they satisfy the above mentioned conditions quoted by @deep@vie ?

 

[gamersgzb]

Do they satisfy the above mentioned conditions quoted by @deep@vie ?

Aadhar address is same, company Is mnc but not sure about company in cibil..

 

[SSV]

Aadhar address is same, company Is mnc but not sure about company in cibil..

Okay these guys had satisfied the conditions, it seems ..
Thanks

 

[deep@vie]

I actually don’t mind AU doing these rigorous checks.. only hope they employ good third party agents to do physical verification

Yes,all the banks do use their services only but AU's checks are very stringent, that causes more issues

 

[deep@vie]

Okay these guys had satisfied the conditions, it seems ..
Thanks

Yes, in these cases, few cards gets approved in few minutes to few hours only

 

[hedgehog2122]

In my case for AU card physical verification at office has been done thrice and still not sure what will be the outcome, whether the ship with sail or sink. Have send a strong worded email to PNO not sure whether they really bother.

Never got any refusal for any bank's card in my 16 years CC journey.

Any suggestions, what else can be done.

 

[SSV]

Any suggestions, what else can be done

Just wait for your first ever rejection from the great SFB AU..
Nothing else can be done

 

[hedgehog2122]

Just wait for your first ever rejection from the great SFB AU..
Nothing else can be done

Will keep you updated @S S V

 

[SSV]

In my case for AU card physical verification at office has been done thrice and still not sure what will be the outcome, whether the ship with sail or sink. Have send a strong worded email to PNO not sure whether they really bother.

Never got any refusal for any bank's card in my 16 years CC journey.

Any suggestions, what else can be done.

Will keep you updated @S S V

At least you got physical office verification done.

For me, they didnt even visit my office and gave negative feedback two times for two different applications. Tell me now how you feel about it.
Very weird stuff from AU..

 

[hedgehog2122]

At least you got physical office verification done.

For me, they didnt even visit my office and gave negative feedback two times for two different applications. Tell me now how you feel about it.
Very weird stuff from AU..

I have no words, even my in-laws didn't enquire so much before marriage

 

[SSV]

I have no words, even my in-laws didn't enquire so much before marriage

In spite of this, there is no guarantee..
This became weird stuff because AU bank relying on some cheap third party verification team..
That is where this weird thing stems from.

What I heard, the more visits they do for verification the more money they get..
Hence these repeat visits and repeat rejections

 

[SSV]

I have no words, even my in-laws didn't enquire so much before marriage

In spite of this, there is no guarantee..
This became weird stuff because AU bank relying on some cheap third party verification team..
That is where this weird thing stems from.

What I heard, the more visits they do for verification the more money they get..
Hence these repeat visits and repeat rejections

If my guess is right, for your 3 verifications the feedback of the agent would be something on these lines:
1) security didn't allow me I to the premises
2) customer not there but talked to colleagues
3) talked to customer very briefly because he was in a meeting and asked me to come later..
and God knows what else they can make up.

Remember for each visit he gets his money..

Can you imagine this actually might happen..

 

[Abhi5467]

Normally vkyc I got accustomed was: ask dob mail etc for verification & then show pan & aadhar then sign that’s it.
Au bank:
1.no matter what I’m not allowed to show Aadhar,
2.multiple times she keeps on repeating same questions even though i answered at the very 1st time, still she keep on asking same questions & i’ve to answer the same again & again
3.i’ve to explain clearly for What purpose I’m opening this account, i’ve to explain crystal clearly
4. She asked do i have any other bank accounts then i’ve to explain about them
5. She asked, me to show my house around for some reason
6. Biggest shocker: she questioned why I’m using iCloud mail instead of gmail. So i’ve to explain why I’m using iCloud mail to her instead of gmail, what the hell man.
7. She asked me where I’m working my salary my designation & also nature of work & my company field of work(it’s just savings account man)
8. Idk why but for some reason she keep on repeating don’t use this account for other reasons

9. She enquired whether i read terms & conditions of bank, how i got to know about Au bank
10. At last she shared a mail & asked me to give feedback about our interaction. I’ll definitely give once my account is opened


Believe it or not at no point its seemed like a account opening call, it seemed like i was being questioned for my life choices it’s seems more like a grilling

You should have given her a tour of your house like Shivaji the Boss...with the wardrobe filled with kids clothes and jewellery and all the bells and whistles she might need in future after she moves in

 

[deep@vie]

In my case for AU card physical verification at office has been done thrice and still not sure what will be the outcome, whether the ship with sail or sink. Have send a strong worded email to PNO not sure whether they really bother.

Never got any refusal for any bank's card in my 16 years CC journey.

Any suggestions, what else can be done.

Just wait for your first ever rejection from the great SFB AU..
Nothing else can be done

Yes, @S S V is right