I wanted to share my recent experience, which might help other members who face similar banking issues.
The Issue:
In Feb 2025, while traveling to Hong Kong, my _____ Bank credit card was repeatedly declining without any valid reason. It caused me a lot of inconvenience. After returning to India, I immediately wrote to the CEO’s desk explaining what happened and demanded that the issue be fixed permanently.
However, in March 2025, during another trip to Hungary, the same thing happened again. To make matters worse, one restaurant staff mocked me when my card declined and said, “3rd world country people.” This was deeply humiliating.
Action Taken:
After returning, I filed a formal complaint with the RBI Banking Ombudsman, asking for compensation for my expenses and the hardship I faced.
A few days later, I received confirmation from both the RBI and the bank. They agreed to pay me ₹94,850 as compensation for mental harassment.
My Thoughts:
While this compensation doesn’t erase the embarrassment I went through, it does prove one thing — if you fight for your rights, you can get justice.
Note: I’m not revealing the bank’s name here (they specifically requested me not to share this case publicly on social media).
Takeaway for Members:
The Issue:
In Feb 2025, while traveling to Hong Kong, my _____ Bank credit card was repeatedly declining without any valid reason. It caused me a lot of inconvenience. After returning to India, I immediately wrote to the CEO’s desk explaining what happened and demanded that the issue be fixed permanently.
However, in March 2025, during another trip to Hungary, the same thing happened again. To make matters worse, one restaurant staff mocked me when my card declined and said, “3rd world country people.” This was deeply humiliating.
Action Taken:
After returning, I filed a formal complaint with the RBI Banking Ombudsman, asking for compensation for my expenses and the hardship I faced.
- Initially, my case was closed.
- I appealed and requested an offline hearing.
- I visited the Ombudsman office in my state, explained everything in detail, and demanded fair compensation.
A few days later, I received confirmation from both the RBI and the bank. They agreed to pay me ₹94,850 as compensation for mental harassment.
My Thoughts:
While this compensation doesn’t erase the embarrassment I went through, it does prove one thing — if you fight for your rights, you can get justice.
Note: I’m not revealing the bank’s name here (they specifically requested me not to share this case publicly on social media).
Takeaway for Members:
- If you face similar issues with your bank/credit card, don’t ignore it.
- Document everything and escalate properly.
- Approach the RBI Ombudsman if the bank doesn’t resolve it.
- Appeal if your case is dismissed — persistence matters.
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