VISHESH_BANSAL
TF Pioneer
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How to file a complaint against a bank on the RBI banking ombudsman portal
- Thread starter TechnoFino
- Start date
cc_baadshah
TF Buzz
refund for Txn Failed but Amount deducted
Hi Experts, I've raised chargeback request with BOB and after 3 months they refunded amount in CC.
I've raised RBI OBS complaint, finally they have agreed for compensation but BOB is asking me RBI guideline for compensasation break up.
Need urgent help, struggling for last 4 months - now i need to provide policy.
Exact Query : "Request you to provide compensation breakup as per RBI guidelines so that we can take up the case with merchant bank"
Any one aware about dispute txn or chargeback refund related RBI guidelines policies for compensation.
I've raised RBI OBS complaint, finally they have agreed for compensation but BOB is asking me RBI guideline for compensasation break up.
Need urgent help, struggling for last 4 months - now i need to provide policy.
Exact Query : "Request you to provide compensation breakup as per RBI guidelines so that we can take up the case with merchant bank"
Any one aware about dispute txn or chargeback refund related RBI guidelines policies for compensation.
yobro
TF Premier
If I don't incurr any financial loss but bank is providing bad service say they are not delivering my debit card for 1 month now.
Can I file complaint against that in ombudsman?
messypenguin
TF Select
Hello TF Experts,
I've just received my SBI SimplyClick statement with finance charges + GST of 5.7k despite paying the entire due amount on or before due date. Called up CS and asked them for an explanation and their response is 2200 (part of the total due) is paid on the due date but it was settled on Due date+1 day, and refunds are not counted towards dues paid. Hence, the charges. I've politely requested for reversal of charges and SR is registered for it.
I'm perplexed. https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12300
9b(v) Card-issuers shall report a credit card account as 'past due' to credit information companies (CICs) or levy penal charges, viz. late payment charges and other related charges, if any, only when a credit card account remains 'past due' for more than three days.
10(e) Any credit amount arising out of refund/failed/reversed transactions or similar transactions before the due date of payment for which payment has not been made by the cardholder, shall be immediately adjusted against the ‘payment due’ and notified to the cardholder.
1. As per RBI master directive (9b. (v)) any penal charges to be not levied up to 3 days past due date.
2. (10.e) Refunds for which cardholder has not made the payment shall be adjusted towards TAD. (There was a refund of 2159)
Please help me understand if I'm at fault here.
TLDR;
Total due: 67,675.07/-
Paid: 67,739 /-
Refunds: 2159 + 2.00
Total paid including refunds: 69,900.10
Still hit with finance charges + GST of 5.7k
What are my options here? Experts please help @VISHESH_BANSAL
Many thanks.
I've just received my SBI SimplyClick statement with finance charges + GST of 5.7k despite paying the entire due amount on or before due date. Called up CS and asked them for an explanation and their response is 2200 (part of the total due) is paid on the due date but it was settled on Due date+1 day, and refunds are not counted towards dues paid. Hence, the charges. I've politely requested for reversal of charges and SR is registered for it.
I'm perplexed. https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12300
9b(v) Card-issuers shall report a credit card account as 'past due' to credit information companies (CICs) or levy penal charges, viz. late payment charges and other related charges, if any, only when a credit card account remains 'past due' for more than three days.
10(e) Any credit amount arising out of refund/failed/reversed transactions or similar transactions before the due date of payment for which payment has not been made by the cardholder, shall be immediately adjusted against the ‘payment due’ and notified to the cardholder.
1. As per RBI master directive (9b. (v)) any penal charges to be not levied up to 3 days past due date.
2. (10.e) Refunds for which cardholder has not made the payment shall be adjusted towards TAD. (There was a refund of 2159)
Please help me understand if I'm at fault here.
TLDR;
Total due: 67,675.07/-
Paid: 67,739 /-
Refunds: 2159 + 2.00
Total paid including refunds: 69,900.10
Still hit with finance charges + GST of 5.7k
What are my options here? Experts please help @VISHESH_BANSAL
Many thanks.
Strange
TF Prestige
Have you registered a complaint against Flipkart in National consumer helpline portal?
If Flipkart is not helping them register a complaint in NCH against Flipkart
INGRAM | User Signup
www.consumerhelpline.gov.in
Also email HDFC PNO at pnohdfcbank@hdfcbank.com with all proofs to check your refund status.
Sir please guide me there are Two case by which I am fed up
1- I took Yes Bank finbooster card in 2022 with limit 15000 only I closed that card due to its low limit after six month with same residence address I applied multiple times but they declined and did not give any valid reason so that I can rectify before applying , in that case can I lodge a complaint to RBIO ???
2- I am trying to get Idfc first bank credit card they declined my application three times by saying that there is late payment in your loan account Flipkart payleter in 2020 and I have shown my cibil report many times and they agreed and promised me to update in their system but last time same things happened I applied the card they declined saying same words there is late payment in loan account but in my cibil report there is no late payment.
Now I want to ask which case should be considered to RBIO
6ix9ine
TF Legend
2nd one, 1st is under banks discretion. You can't force a bank to issue you a card.
But as per RBI guidelines it's my right to know the clear/Main reason of declined the application they don't tell the reason in this regards what should I do ????
6ix9ine
TF Legend
Nothing can be done. You can escalate the issue to the PNO level, but the effort you put in will be a waste, as they can simply state that it 'not deemed fit as per the bank's policy' or give some other arbitrary reason. Still, if you want to try your luck. Good luck.
Sahil_07
TF Ace
Those who want to complain ,follow this :
Step-1: Contact customer care and ask for resolution. If you are not satisfied with the solution then follow Step-2
Step-2: Raise a grievance to Banks or NBFCs’ own Grievance Cell. If you are not satisfied with the solution then follow Step-3
Step-3: Raise complaint with RBI Ombudsman
Reach Banks/NBFCs/Wallets Grievance Cells through following
Links to raise complaints or grievances with Banks: https://m.rbi.org.in/Scripts/ComplaintBank.aspx
Links to raise complaints or grievances with NBFCs: https://m.rbi.org.in/Scripts/ComplaintNBFC.aspx
Links to raise complaints or grievances with Prepaid Payment Instruments or Wallets like Amazon Pay, PhonePe, PayTM etc https://m.rbi.org.in/Scripts/ComplaintPPI.aspx
RBI Ombudsman: Link to raise Online Complaint against any RBI regulated entity like Banks, NBFCs, Wallets etc: https://cms.rbi.org.in/cms/indexpage.html#eng
RBI Ombudsman Scheme: Know your rights to raise complaints against RBI regulated financial companies. Also download Physical Complaint Form: https://rbidocs.rbi.org.in/rdocs/content/pdfs/RBIOS2021_amendments05082022.pdf
Addresses of physical offices of RBI Ombudsman in 24 cities to raise complaints offline: https://m.rbi.org.in/Scripts/AboutUsDisplay.aspx?pg=BankingOmbudsmen.htm
dealseeker
TF Buzz
RBI is also useless, they never take action against the Regulated Entity. Close complaints on basis of customer care reply without asking to the complainant.
Tylerdurden
TF Buzz
i was charged additional MDR charges by the merchant when I made a part payment for purchase of car through credit card. I followed with the merchant with no response. Can I raise a complaint with RBI ombudsman.?
6ix9ine
TF Legend
No, MDR charges are applicable. You should've asked your car dealer. It's pretty normal. RBI will straight close the complaint.
Tylerdurden
TF Buzz
Can you please explain the RBI guidelines regarding this.? Whether any RBI circular/ guidelines to be referred to.
6ix9ine
TF Legend
Refer 9.3, they don't interfere with this.
Tylerdurden
TF Buzz
I have spoken to the dealership and They had agreed for 1%. While looking into the bill breakup it was mentioned as 2% which is one of the reasons I wanted to escalate.
6ix9ine
TF Legend
Then this case looks like of consumer court isn't it? Dealer is not saying anything regarding this?
Tylerdurden
TF Buzz
They once replied that they have charged correctly after I pressured them for about 2 months. No further response from their end.
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