Hdfc CC cibil enquiry ( wish to remove ) as bank denying application completion

[grg1280]

Hello TF Members,

I had an online application for Hdfc Credit Card. I have completed the entire online application, and it has resulted in a CIBIL enquiry. Now, when I enquired to PNO Desk, they are saying that the application is not completed and are telling me to apply fresh through Branch.
I have completed the application though. I wrote back to them to remove my CIBIL enquiry, as it was their systems fault which did not properly capture my application. They responded back ( not mentioned anything about CIBIL ) but told me that the application was incomplete.

This is an utter waste of CIBIL enquiry. I had completed the application. The last step was to enter last 4 digits of my existing credit card; and OTP. After that, the Application ID had generated.

Can I write to the RBI BO to get the CIBIL enquiry removed ? If yes, pls suggest what/ how to write

Thank you in advance.

 

[itzmycard]

escalate to the Nodal level. They removed mine

 

[grg1280]

escalate to the Nodal level. They removed mine

I already did to PNO Desk.
They replied that the credit enquiry was done towards the credit card application... fair enough
BUTT ,then they are denying the completion of application. which I did complete.

It is a waste of cibil enquiry. So, I wish to remove it

 

[pinki]

I already did to PNO Desk.
They replied that the credit enquiry was done towards the credit card application... fair enough
BUTT ,then they are denying the completion of application. which I did complete.

It is a waste of cibil enquiry. So, I wish to remove it

U reached priority redressal for this ??

 

[grg1280]

U reached priority redressal for this ??

yes yes,
I mean the first email was sent to pnohdfcbank and all the further replies/ communication happened with priority redressal

 

[pinki]

yes yes,
I mean the first email was sent to pnohdfcbank and all the further replies/ communication happened with priority redressal

Feeling sad for u mate .
Will advise you to go for RBIO , coz no harm in trying, u may get some compensation too for inconvenience caused.
All the best

 

[grg1280]

ill advise you to go for RBIO , coz no harm in trying, u may get some compensation too for inconvenience caused.

Yaaa, will do that. Just wanted to make sure

Can I write to the RBI BO to get the CIBIL enquiry removed ?

if my cause of complaint is valid.

 

[pinki]

Yaaa, will do that. Just wanted to make sure

if my cause of complaint is valid.

Yes completely valid, coz its bank incompetence that they are unable to complete ur application online, since u applied online.

Lastly if they're unable to complete then , they must remove cibil enquiry, coz if enquiry has been done then , the application must result in either approved or rejected and not in archived or incomplete.

 

[grg1280]

Lastly if they're unable to complete then , they must remove cibil enquiry, coz if enquiry has been done then , the application must result in either approved or rejected and not in archived or incomplete.

Yaa yaa exactly what I had told them in email also. That Approved or declined is one thing; but what the hell is incomplete and archived

Thank you for the motivation. I will surely write to RBI BO

 

[amitr29]

Hello TF Members,

I had an online application for Hdfc Credit Card. I have completed the entire online application, and it has resulted in a CIBIL enquiry. Now, when I enquired to PNO Desk, they are saying that the application is not completed and are telling me to apply fresh through Branch.
I have completed the application though. I wrote back to them to remove my CIBIL enquiry, as it was their systems fault which did not properly capture my application. They responded back ( not mentioned anything about CIBIL ) but told me that the application was incomplete.

This is an utter waste of CIBIL enquiry. I had completed the application. The last step was to enter last 4 digits of my existing credit card; and OTP. After that, the Application ID had generated.

Can I write to the RBI BO to get the CIBIL enquiry removed ? If yes, pls suggest what/ how to write

Thank you in advance.

Don't leave them. Be behind their life. Got 5 CIBIL enquiries suppressed. See screenshot

 

[grg1280]

Don't leave them. Be behind their life. Got 5 CIBIL enquiries suppressed. See screenshot

Thank you for sharing your experience

 

[Satyarthi]

i Had a similar case, was trying to apply for hdfc pixel credit card, application got stuck in between. every time i tried, it showed something went wrong. complained to them, they told there was some problem from banks end and problem is solved now. told me to reapply. complained to RBOI, they offered 1000 voucher and agreed to remove cibil enquiry. btw got amazon pay gift voucher of rs1000 twice.

 

[venuharry]

Thank you for sharing your experience

did you mailed them?
what response did you got?

 

[grg1280]

did you mailed them?
what response did you got?

Negative

Will file complain with Rbi later... busy these days...