How long does RBI BO take to move the complaint?

[finforgo]

I mailed to crpc and got a response from the bank in next 3 4 working days.

 

[Tazact]

Whats the issue than. Call them & get NOC which is supposed to be submitted to IDFC. POTENTIALLY bank might issue you CC.

 

[Boy 07]

Whats the issue than. Call them & get NOC which is supposed to be submitted to IDFC. POTENTIALLY bank might issue you CC.

yes i have mailed them let see what happend ?

 

[ontherocks]

Wow. Didn't know something like CPGRAMS existed. I had complained to insurance ombudsman last year and they gave zero f's to my complaint. Not even an acknowledgement. Now I have the right channel I guess.

 

[sjmajumder]

Wow. Didn't know something like CPGRAMS existed. I had complained to insurance ombudsman last year and they gave zero f's to my complaint. Not even an acknowledgement. Now I have the right channel I guess.

View attachment 82490

How did you make the complaint?

Also don't think CPGRAMS works for everything. I complained against EC BLO nothing happened. Worked against SBI twice like wonder. They only dispose off complaints, that's all. It will work against some entities and will not work against some.

 

[ontherocks]

How did you make the complaint?

Also don't think CPGRAMS works for everything. I complained against EC BLO nothing happened. Worked against SBI twice like wonder. They only dispose off complaints, that's all. It will work against some entities and will not work against some.

Emailed to the email I'd mentioned in the ombudsman site with all attachments.

Then it seems CPGRAMS is just a postman, like INGRAM. It's upto the receiver to give a f or not.

 

[sjmajumder]

Emailed to the email I'd mentioned in the ombudsman site with all attachments.

Then it seems CPGRAMS is just a postman, like INGRAM. It's upto the receiver to give a f or not.

Doesn't work that way. You have to go to the website and register your complaint.

 

[ontherocks]

Doesn't work that way. You have to go to the website and register your complaint.

Which website are you talking about? There is no website like CPGRAMS/INGRAM for insurance ombudsman ... or is there?
BTW, in my case its Kotak Motor Insurance.

 

[Mohammad]

Really don't know.
the RBI BO Expert of this forum has been able to get within a few months ( I suppose the RBIO of his region is good )

My case is still pending at 1st stage since 4+ months now...

I have complaint before 8 months but I got compensation but complain status still level 1 still complain not close don’t worry you have to wait maybe solve within a month or take longer

 

[kuchrm]

Amu

I wasn't talking about complete complaint resolution or closure within a month but rather just an update for the new complaint.
I have seen a lot of cases where people at least received an update regarding their complaint from the bank within a month, but of course, a full-length of complaint timeline till its closure will probably stretch to many months, involving multiple back and forth of communication.
I am not sure how long it takes just to receive the first update itself and I think it varies among people, some might get it in a short time, and for some it may take months.

In 2023, I had an issue with ICICI, and I didn't even wait 30 days and made a complaint through CPGRAMS, it was forwarded to RBI and they forwarded it to ICICI.
Literally in one day, I got a call from their headquarters and by the next day, they resolved it. The whole thing took 2-3 days max.
This is the first time I went to RBI BO directly and It's been a month since hearing even a single word from the bank.
So I guess its quite normal to take such time if directly went to RBI BO.
I will wait for a month and will go through CPGRAMS instead.Y

I wasn't talking about complete complaint resolution or closure within a month but rather just an update for the new complaint.
I have seen a lot of cases where people at least received an update regarding their complaint from the bank within a month, but of course, a full-length of complaint timeline till its closure will probably stretch to many months, involving multiple back and forth of communication.
I am not sure how long it takes just to receive the first update itself and I think it varies among people, some might get it in a short time, and for some it may take months.

In 2023, I had an issue with ICICI, and I didn't even wait 30 days and made a complaint through CPGRAMS, it was forwarded to RBI and they forwarded it to ICICI.
Literally in one day, I got a call from their headquarters and by the next day, they resolved it. The whole thing took 2-3 days max.
This is the first time I went to RBI BO directly and It's been a month since hearing even a single word from the bank.
So I guess its quite normal to take such time if directly went to RBI BO.
I will wait for a month and will go through CPGRAMS instead.

Any update .

I wasn't talking about complete complaint resolution or closure within a month but rather just an update for the new complaint.
I have seen a lot of cases where people at least received an update regarding their complaint from the bank within a month, but of course, a full-length of complaint timeline till its closure will probably stretch to many months, involving multiple back and forth of communication.
I am not sure how long it takes just to receive the first update itself and I think it varies among people, some might get it in a short time, and for some it may take months.

In 2023, I had an issue with ICICI, and I didn't even wait 30 days and made a complaint through CPGRAMS, it was forwarded to RBI and they forwarded it to ICICI.
Literally in one day, I got a call from their headquarters and by the next day, they resolved it. The whole thing took 2-3 days max.
This is the first time I went to RBI BO directly and It's been a month since hearing even a single word from the bank.
So I guess its quite normal to take such time if directly went to RBI BO.
I will wait for a month and will go through CPGRAMS instead.

Any update now

 

[cyberlocker]

Amu



Any update now

After 2 months I got a email from RBI BO that the RI have responded to my complaints and I need to comment on their response.

I emailed them my comment after that no response.
So total around 3.5 months have crossed and pending.

 

[travtasy]

Although as per RBI guidelines, cases should be dealt within 30 days, in my case after 3 months I got a email from RBI CMS team that they have closed my issue without even addressing the issue or any resolution or any mechanism to appeal or reopen the case.

 

[Boy 07]

Although as per RBI guidelines, cases should be dealt within 30 days, in my case after 3 months I got a email from RBI CMS team that they have closed my issue without even addressing the issue or any resolution or any mechanism to appeal or reopen the case.

I also got email after two months and ask to submit some evidence I had submitted
Today's I saw compliant closed
How will I come to know what happened?

 

[travtasy]

I also got email after two months and ask to submit some evidence I had submitted
Today's I saw compliant closed
How will I come to know what happened?

The very purpose of the RBIO was that banks do not take the customer for granted and address issues in the right spirit and so earlier banks used to fear RBIO like anything and tried to resolve issues more proactively after RBIO was approached.

Now with RBIO becoming unprofessional, banks would get complacent again and the purpose of the RBIO will be defeated if they close cases without either addressing the issue or giving any option to appeal and that too after taking an excessive amount of time.

If the RBIO do not even ask for a confirmation from the customer if the issue has been addressed or not before closing the complaint, then another layer of useless grievance addressal mechanism is in place.

 

[praful47]

Rbi works with this speed

 

[Boy 07]

The very purpose of the RBIO was that banks do not take the customer for granted and address issues in the right spirit and so earlier banks used to fear RBIO like anything and tried to resolve issues more proactively after RBIO was approached.

Now with RBIO becoming unprofessional, banks would get complacent again and the purpose of the RBIO will be defeated if they close cases without either addressing the issue or giving any option to appeal and that too after taking an excessive amount of time.

If the RBIO do not even ask for a confirmation from the customer if the issue has been addressed or not before closing the complaint, then another layer of useless grievance addressal mechanism is in place.

Yes you are right
I am totally disappointed with RBIO
Today I got sms for confirmation of closure the compliant and told that we have send a letter your email but I have not received yet

 

[Boy 07]

Got the email now

Please refer to your captioned complaint filed with our office. We have carefully examined the captioned complaint and our observations are given here under.

2. Approval and sanction of a credit facility, including a credit card is the outcome of an internal process of a Regulated Entity (RE). These are commercial judgement of the RE and depend upon multiple factors like credit history, income level, stability of income, customer profile etc. Non-sanction of a credit therefore cannot be termed as a deficiency in the services provided by the RE. In the extant case the application was rejected as it did not meet the internal norms of the RE. The complaint is therefore non-maintainable and is rejected.

3. In view of the above, we are constrained to classify your complaint as non-maintainable and close it under Clause 16(1)(a)10(1)(a) of the Reserve Bank - Integrated Ombudsman Scheme, 2021 (RB-IOS), which stipulates the following: