When close to maturity, banks do call and ask for roll over. This is FY end, so to meet their target, I think someone simply changed it to reinvest without thinking it is somebody else money.
-
Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.
How to file a complaint against a bank on the RBI banking ombudsman portal
- Thread starter TechnoFino
- Start date
Gau₹av
TF Legend
This is a serious fraud being done by the bank. If you take screenshots and all the proofs, you can get a major compensation from the bank for frauds
Was this FD created by the staff at the branch or by you yourself from netbanking/app?
I myself created it. I have the FD advice that clearly shows Auto renew is set to No. Even in Jan, I got mailers to auto renew. I didn't want to renew.
After HDFC bank episode, I casually checked ICICI and it is now set to auto renew. I am doing FD for 20 years but till now this has not happened. I certainly miss Citi bank for its services, never had these shenanigans.
Gau₹av
TF Legend
Then you have all the proofs which are required against the bank when you complain to RBI. Take screenshot proofs of their renewal instructions changed too and complain to RBI and demand a hefty compensation
There was a CIBIL hit by HDFC without my consent on February 2025. I asked them to remove it and explain who authorized CIBIL hit without my consent as I didn't applied for any product or services.
They only removed CIBIL hit after long follow up & after sharing cibil report with controlnumber. But they are saying there are 4 CICs and they can check as per their policy. They can't do anything.
But CIBIL can't be checked by Transunion on their own and mentioning HDFC Name.
Purpose of CIBIL enquiry was mentioned as OTHERS.
It's been 30 days and still no clarification to my primary query how a reputed bank like HDFC can do CIBIL enquiry without consent and who authorized it.
Should I file a complaint to RBI ? Seeking suggestions.
They only removed CIBIL hit after long follow up & after sharing cibil report with controlnumber. But they are saying there are 4 CICs and they can check as per their policy. They can't do anything.
But CIBIL can't be checked by Transunion on their own and mentioning HDFC Name.
Purpose of CIBIL enquiry was mentioned as OTHERS.
It's been 30 days and still no clarification to my primary query how a reputed bank like HDFC can do CIBIL enquiry without consent and who authorized it.
Should I file a complaint to RBI ? Seeking suggestions.
Attachments
RadTheCrab
TF Premier
Of course! That’s a no-brainer. But before you do that, if you haven’t already, send a final email reminder to the PNO, stating that HDFC has failed to resolve the issue even after 30 days of the initial complaint. Emphasize that if you do not receive a satisfactory response within the next 48–72 hours, you will escalate the matter to the RBIO and seek compensation for the time and effort wasted in resolving the issue, as well as for the unauthorized cibil inquiry that may have negatively impacted your credit score.
Already did that. PNO also repeated same reply. I gave them 3 working days time in last email & mentioned that if they dont provide proper answer to my query within above time frame, i will be approaching RBI Ombudsman for resolution of my query, still got same reply.
Now, I am considering whether it's worth it to complain to RBI Ombudsman for this or not ?
RadTheCrab
TF Premier
It depends on how much you care about your credit score. If I were in your place, I would have escalated it to the RBIO.
Similar threads
