Bandhan Bank - NPCI and RBI guidelines violation

I had opened a savings account in Bandhan Bank (Rs 5000 AMB). I had opened it just to keep extra money there and to link it to my stockbroker. I opened it only after seeing on the NPCI website that it supports Aadhaar-OTP UPI registration. However, I was unable to register using the said method. It displayed an error that my Aadhaar number was not linked to my savings account. I am not willing to request a debit card as it will be of no use.

I complained the same to their Level 1 customer care.
They informed me that Aadhaar-OTP UPI registration is not available in Bandhan Bank.

I complained the same to their Principal Nodal Officer (PNO)
I mentioned that the facility is available as per the NPCI website. I also mentioned the RBI Master Directions, para 14 (d) of which states, "Banks shall not force a customer to avail debit card facility and shall not link issuance of debit card to availment of any other facility from the bank."
However, I did not receive any reply.

Finally, I escalated the matter to the RBI Ombudsman.
The PNO responded stating that the facility will be available from 31.08.2024 (tentatively).

The RBI Ombudsman has sought comments from me before closing the complaint. This is the first time something like this has happened to me though.

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Update (05-Sep-2024)

W

Post in thread 'Bandhan Bank - NPCI and RBI guidelines violation'

Sep 5, 2024

So how do u use account?

What happened to ur complaint at Ombudsman?

The account can be used by logging into net banking and mobile banking. IMPS, NEFT, and RTGS are available without a debit card.

RBI Ombudsman has closed the complaint using the same solution as Bandhan Bank.
(see attachment)

• White_Fox

 

[White_Fox]

File fresh complaint that despite earlier assurance the bank is not allowing AADHAR REGISTRATION.

Contact nodal officer of bank first.

I will soon. I'm now handling a complaint with AUSFB regarding credit card misselling by branch employee.

He promised lifetime free card (pre-approved). However, chargeable card has been provided, which is AU Altura (₹199+GST).

I'll soon post a thread regarding it.

 

[yobro]

I will soon. I'm now handling a complaint with AUSFB regarding credit card misselling by branch employee.

He promised lifetime free card (pre-approved). However, chargeable card has been provided, which is AU Altura (₹199+GST).

I'll soon post a thread regarding it.

Very common scam



U need to have some written proof to file proper complaint.

 

[desiviru]

Oh Bhaiya Mere reKYC ke Bandhan Ko Nibhana........... Bhaiya mere, Customers ko naa apne rulaana.

Yeh Badhan toh hassles ka Bandhan Hai, Janmo Ka Burden Hai. ATM itni dur ghar ke bhawan se, App ko naa mileya response Server se.... Yeh Badhan toh hassles ka Bandhan Hai, Janmo Ka Burden Hai. (song from Movie Karan Arjun)


Accha huya isme account ni hai apna.

 

[praful47]

Oh Bhaiya Mere reKYC ke Bandhan Ko Nibhana........... Bhaiya mere, Customers ko naa apne rulaana.

Yeh Badhan toh hassles ka Bandhan Hai, Janmo Ka Burden Hai. ATM itni dur ghar ke bhawan se, App ko naa mileya response Server se.... Yeh Badhan toh hassles ka Bandhan Hai, Janmo Ka Burden Hai. (song from Movie Karan Arjun)


Accha huya isme account ni hai apna.

Ye bandhan sirf naam ka bandhan hai

 

[praful47]

I will soon. I'm now handling a complaint with AUSFB regarding credit card misselling by branch employee.

He promised lifetime free card (pre-approved). However, chargeable card has been provided, which is AU Altura (₹199+GST).

I'll soon post a thread regarding it.

Mat karo .. time waste hai .
Paisa nikal lo apna aur kisi aur bank me chale jao .

 

[yobro]

I will soon. I'm now handling a complaint with AUSFB regarding credit card misselling by branch employee.

He promised lifetime free card (pre-approved). However, chargeable card has been provided, which is AU Altura (₹199+GST).

I'll soon post a thread regarding it.

Do u have anything written to prove ur claim?

 

[praful47]

The feature is still not available.

Mere bhi ek loan ka issue tha .
Bandhan ka main business... group loans ka tha .
Mujhe Sanction letter aur approval message aane ke bad bhi loan disbursement nahi karre the , kyu ki KYC ka issue ke liye maine tweet Kiya tha .
2 mahine RBI se complaint me Bandhan ke PNO ne kaha ki loan ke group members ne bola ki mein defaulter hu .
Reality was group loan ka group meeting mere ghar me hi hota tha .

 

[yobro]

Mere bhi ek loan ka issue tha .
Bandhan ka main business... group loans ka tha .
Mujhe Sanction letter aur approval message aane ke bad bhi loan disbursement nahi karre the , kyu ki KYC ka issue ke liye maine tweet Kiya tha .
2 mahine RBI se complaint me Bandhan ke PNO ne kaha ki loan ke group members ne bola ki mein defaulter hu .
Reality was group loan ka group meeting mere ghar me hi hota tha .

Akhir aapke case main kya hua?

Aapne RBI ko apni CIBIL report nahi dekhiye?

 

[praful47]

Akhir aapke case main kya hua?

Aapne RBI ko apni CIBIL report nahi dekhiye?

Cibil down tha ... Isliye jhukna pada .
Loan mummy papa ke nam tha

 

[White_Fox]

Mere bhi ek loan ka issue tha .
Bandhan ka main business... group loans ka tha .
Mujhe Sanction letter aur approval message aane ke bad bhi loan disbursement nahi karre the , kyu ki KYC ka issue ke liye maine tweet Kiya tha .
2 mahine RBI se complaint me Bandhan ke PNO ne kaha ki loan ke group members ne bola ki mein defaulter hu .
Reality was group loan ka group meeting mere ghar me hi hota tha .

In English please 😢

 

[White_Fox]

Do u have anything written to prove ur claim?

No I don't have any written proof from branch employee.

 

[yobro]

No I don't have any written proof from branch employee

Then how will you prove ur claim?
Approach branch employee first and confront him and branch manager about mis selling.

In English please 😢

 

[praful47]

[QUOTE="yobro, post: 782717,

It all started in March April 2023 .
My mother had a group loan with Bandhan Bank so , we wanted a new loan as the previous loan was getting over in August .
They said that my mother's account is 10 year above so rekyc is to be done .
Agent took kyc document 3 times .
Bank rejected kyc document two times stating img is not clear .
Bandhan branch was dragging us for 3 months .
Two times I complained to their customer care .
1 time I complained to Pno , no solution.

At last I think in December I tweeted and same day kyc was done and branch manager called to take the loan amount , I also received approval message also and sanction letter.

My mother could not visit the branch that day because my father was out of station.
Next day branch manager attitude changed and told that come next day .
After few minutes only divisional manager called and said why did you complained on social media , you will face trouble in getting loan .
I did not record the call that time .

Cibil of my father was also low so I could not fight much .


Don't believe me if you think I am posting this because I couldn't get loan .
You can check twitter handle of Bandhan Bank where kyc issues are flooded .

 

[yobro]

In English please 😢

Bro is talking about how his parents were sanctioned loan by Bandhan Bank and subsequently denied disbursement stating that they have defaulted in past.


Bro thinks that bank took revenge of a tweet that he did against them.

He had to step back as his parents had low CIBIL.

 

[praful47]

Bro is talking about how his parents were sanctioned loan by Bandhan Bank and subsequently denied disbursement stating that they have defaulted in past.


Bro thinks that bank took revenge of a tweet that he did against them.

He had to step back as his parents had low CIBIL.

Only my father's cibil was low as he was co applicant and Bank pno told lies to RBI

 

[yobro]

Only my father's cibil was low as he was co applicant and Bank pno told lies to RBI

Why Father became co applicant?

Low CIBIL people shouldn't become co applicant.

Also u should have contested with bank that CIBIL and default related enquiry is to be done before and not after loan has been sanctioned.

 

[White_Fox]

Then how will you prove ur claim?
Approach branch employee first and confront him and branch manager about mis selling.

AUSFB - Credit card misselling by the branch employee​

W

Thread 'AUSFB - Credit card misselling by the branch employee'

Sep 5, 2024

I have a zero balance account in AU Small Finance Bank (AUSFB). I use it as an emergency fund account.

I received a call from a branch employee on 01-July-2024 offering me a pre-approved credit card, AU Altura. He had assured me over the call that it is a lifetime free (LTF) credit card with no charges. I applied for the card through him.
The card was approved on 01-Aug-2024 (after one month) and I received the card on 02-Aug-2024. However, in the joining letter it showed both joining and annual charges of Rs 199+GST.

I immediately filed a...

• White_Fox
• au small finance bank cheating credit card misselling rbi ombudsman
• Replies: 10
• Forum: Banking Complaint

• 
• 

 

[praful47]

Why Father became co applicant?

Low CIBIL people shouldn't become co applicant.

Also u should have contested with bank that CIBIL and default related enquiry is to be done before and not after loan has been sanctioned.

Bandhan don't check cibil much they disburse with low cibil also .
Sanction letter was given to us in sept Oct only and I said this to RBI also but bandhan pno said initially we checked only the cibil of applicant and after that cibil of co applicant was checked .

 

[yobro]

AUSFB - Credit card misselling by the branch employee​

Yes how do u plan to contest w/o proof?

 

[yobro]

Bandhan don't check cibil much they disburse with low cibil also .
Sanction letter was given to us in sept Oct only and I said this to RBI also but bandhan pno said initially we checked only the cibil of applicant and after that cibil of co applicant was checked .

Very wierd answer since all this checking of co applicant is done before giving sanction letter.

What clause RBI OMBUDSMAN APPLIED.