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How to file Complaint of RBL for rejecting Zomato application to RBI - Step by step guide

Nocash

TF Select
Many people have faced rejection or I should say have been cheated by RBL bank after getting invite from Zomato edition classic card.
It is not just a card issue now but an issue of our prestige. RBL can’t go around treating us like nothing.
So my dear friends, if you have also faced this problem, raise your voice and let RBL know that customers are the king.

Steps for complaining to RBI

ℹ️ For all Zomato card applicants jinko RBL ne reject kara hai



1️⃣ Go to cms.rbi.org.in -> Click on file complaint -> Enter Captcha



2️⃣ Enter your name and verify your mobile number



3️⃣ write complainant category - Individual, and in Entity - Search for RBL bank ltd and finally click “YES” on “is your complaint about credit card” question.



4️⃣ In detail of complaints, tick every option as “NO”



5️⃣ On next page, Click “YES” for “have you filed a written or electronic complaint”



6️⃣ Fill this carefully

Complaint category = Credit card

Complaint sub category 1 = Card issue/maintenance

Complaint sub category 2 = Other issues

Subject of your complaint = Refusal to issue card



7️⃣ In Fact of the case (most important) This is what I have written 👇you can copy and paste after making modification for your case.



“I got an invitation from zomato for their zomato edition classic card which is in partnership with RBL bank.

I was already having existing credit card with RBL named RBL shoprite but this time when I filled my PAN and address, my application was instantly rejected without any reason. I have a very high CIBIL score 780, very low credit utilisation and good credit depth of 5 years. No bank has ever rejected me for any card.

But When I contact RBL support this time, they were not interested in my case.

Customer care is so so bad that they cannot even understand my case and asked me to apply for a fresh card. Their PNO didnot reply at all and their Social media team is worst. They just sent a message that they will contact me and then ghosted me for 3 days inspite of repeating reminders.

Finally they are giving me an excuse that my card is rejected due to bank internal policy.

When I asked how is this possible that some times ago I was fulfilling your all conditions for RBL shoprite but not fulfilling any for RBL zomato card, the customer care goes into complete silence. They all just keep making excuse of bank internal policy and were not giving any logical answer because they donot have any logic. They have given zomato card to many of my friends who were already holding RBL card but here they just donot accept their mistake and are not ready to even listen to or reply to their customer. I had even contacted Mr. Vivek Chaudhary but even he didnot tried to solve my issue.

And this is not only in my case, there are at least 30 to 40 people facing the same issue and are mentally frustrated by the lack of customer support and discriminatory practices of RBL.

It is high time to ban RBL for their non existence and rubbish customer support so this becomes a lesson for other banks.



Kindly take immediate action and provide me the zomato card as soon as possible and ban them from onboarding new customers till they start taking their customers seriously.”



8️⃣ Do not forget to claim compensation of Rs. 1,00,000 (this is the maximum amount) as claim for mental harassment in the last question on this page.



9️⃣ Attach all supporting documents that you want to attach as proof.



🔟 Submit your application, take a screenshot of your complaint number and let’s teach a lesson to RBL bank.



Let’s show them that customers are the king and they can’t take us lightly. Let’s get our card which is our right and their duty to issue.





No bank is bigger than our determination 💯
 

Attachments

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I don't think in that case you will get a favorable solution. It's because you were willingly took the card by knowing it was a paid card. Can't complaint on that IMO.
I made a call to their service center there they told i can keep both cards together (Master and Visa version) of Flipkart Axis Bank card. So asked me to apply the card. After sometime i got a message as your application declined. I send mail to them why you rejected my application. They told its their internal policy. As per RBI guidelines it's evident that if a loan or credit card is rejected the bank should send a letter stating the reason for rejection. In my case they can't say anything because just weeks before only My Zone card got approved. Moreover I was using Flipkart Card since 2019 without any problems. So they have no point on rejecting my application in any means. Mean i had send mails to PNO for conversion of card to LTF. They denied it either. Anyhow my complaint is registered. Received a mail from PNO also stating rejection of all my demands. I had a send a reply back too. Let's see how it will end!
 
I made a call to their service center there they told i can keep both cards together (Master and Visa version) of Flipkart Axis Bank card. So asked me to apply the card. After sometime i got a message as your application declined. I send mail to them why you rejected my application. They told its their internal policy. As per RBI guidelines it's evident that if a loan or credit card is rejected the bank should send a letter stating the reason for rejection. In my case they can't say anything because just weeks before only My Zone card got approved. Moreover I was using Flipkart Card since 2019 without any problems. So they have no point on rejecting my application in any means. Mean i had send mails to PNO for conversion of card to LTF. They denied it either. Anyhow my complaint is registered. Received a mail from PNO also stating rejection of all my demands. I had a send a reply back too. Let's see how it will end!
Since you got My Zone few weeks back, I guess there should be a gap of 3 months for making new application. May be that's a reason for rejection.

Anyway, update us here once you get a revert.
 
Update - RBL people have started given lollipop. They are very scared now.

Their representative called me and told sir I can upgrade your existing RBL Shoprite to Zomato card (same thing was offered to Sumanta way back) as instructed by my senior.

Those who have filed the complaint will get a call from RBL pretty soon.

As far as my case is concerned I told him clearly that I will not buy this lollipop. I will not take back my complain from RBI and would not settle for anything less than a monetary compensation plus an apology letter from RBL. And If RBI does not help, I am fully prepared to go to consumer Court.

In conclusion, inka nasha/ghamand utar kar rahenge. Internal policy can’t be an excuse to abuse power and RBL has to pay the price for my time and energy wasted on pathetic customer support of RBL.
Update - RBL is digging its own grave.
All of you will laugh at the reply I have received from PNO.

1) No reply of my initial mail of 24th march till this date (more than 25 days)

2) first bank who don’t reply back in writing but waits for customer to pick up the call.
They had called me on 8th April giving lollipop which I denied. I don’t know about when they called me on 9th april.

3) First email from PNO on 18th April 🤣 (if customer didn’t pick up phone, why was RBL waiting for 9 days. RBL’s job is reply back asap and not take phone call as an excuse) where they themselves are declaring that they did nothing for 9 days and didn’t reply to initial mail till this date.

RBL itself has exposed its pathetic customer service. It was as if RBL was saying “why are you taking tension buddy? My service is pathetic and I will prove it myself. You don’t have to give any proof😂

It will be very interesting to see what RBI says when I show them these mail exchanges 🤣
 

Attachments

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Update - RBL is digging its own grave.
All of you will laugh at the reply I have received from PNO.

1) No reply of my initial mail of 24th march till this date (more than 25 days)

2) first bank who don’t reply back in writing but waits for customer to pick up the call.
They had called me on 8th April giving lollipop which I denied. I don’t know about when they called me on 9th april.

3) First email from PNO on 18th April 🤣 (if customer didn’t pick up phone, why was RBL waiting for 9 days. RBL’s job is reply back asap and not take phone call as an excuse) where they themselves are declaring that they did nothing for 9 days and didn’t reply to initial mail till this date.

RBL itself has exposed its pathetic customer service. It was as if RBL was saying “why are you taking tension buddy? My service is pathetic and I will prove it myself. You don’t have to give any proof😂

It will be very interesting to see what RBI says when I show them these mail exchanges 🤣
Same email, I also received.. :)
 
F**k RBL bank together. They deserve this. I am gonna make a complaint on this for sure. Thanks bro:) I think they are rejecting because they received overwhelming applications in a short span of time. And, even RBL Bank is not even a mid-sized bank to handle so many customers. If you have observed, Even without checking the CIBIL score, they rejected many applications, we can observe this point, because to check our CIBIL score and analyze our application, they need an OTP which we will get from CIBIL for access to our records. Our applications got rejected even without checking CIBIL. That's the sad part.

Let's teach a lesson to RBL collectively.
#TeachALessonToRBLBank
Who told you Bank needs OTP to fetch your CIBIL ?
That's a fallacy
 
Many people have faced rejection or I should say have been cheated by RBL bank after getting invite from Zomato edition classic card.
It is not just a card issue now but an issue of our prestige. RBL can’t go around treating us like nothing.
So my dear friends, if you have also faced this problem, raise your voice and let RBL know that customers are the king.

Steps for complaining to RBI

ℹ️ For all Zomato card applicants jinko RBL ne reject kara hai



1️⃣ Go to cms.rbi.org.in -> Click on file complaint -> Enter Captcha



2️⃣ Enter your name and verify your mobile number



3️⃣ write complainant category - Individual, and in Entity - Search for RBL bank ltd and finally click “YES” on “is your complaint about credit card” question.



4️⃣ In detail of complaints, tick every option as “NO”



5️⃣ On next page, Click “YES” for “have you filed a written or electronic complaint”



6️⃣ Fill this carefully

Complaint category = Credit card

Complaint sub category 1 = Card issue/maintenance

Complaint sub category 2 = Other issues

Subject of your complaint = Refusal to issue card



7️⃣ In Fact of the case (most important) This is what I have written 👇you can copy and paste after making modification for your case.



“I got an invitation from zomato for their zomato edition classic card which is in partnership with RBL bank.

I was already having existing credit card with RBL named RBL shoprite but this time when I filled my PAN and address, my application was instantly rejected without any reason. I have a very high CIBIL score 780, very low credit utilisation and good credit depth of 5 years. No bank has ever rejected me for any card.

But When I contact RBL support this time, they were not interested in my case.

Customer care is so so bad that they cannot even understand my case and asked me to apply for a fresh card. Their PNO didnot reply at all and their Social media team is worst. They just sent a message that they will contact me and then ghosted me for 3 days inspite of repeating reminders.

Finally they are giving me an excuse that my card is rejected due to bank internal policy.

When I asked how is this possible that some times ago I was fulfilling your all conditions for RBL shoprite but not fulfilling any for RBL zomato card, the customer care goes into complete silence. They all just keep making excuse of bank internal policy and were not giving any logical answer because they donot have any logic. They have given zomato card to many of my friends who were already holding RBL card but here they just donot accept their mistake and are not ready to even listen to or reply to their customer. I had even contacted Mr. Vivek Chaudhary but even he didnot tried to solve my issue.

And this is not only in my case, there are at least 30 to 40 people facing the same issue and are mentally frustrated by the lack of customer support and discriminatory practices of RBL.

It is high time to ban RBL for their non existence and rubbish customer support so this becomes a lesson for other banks.



Kindly take immediate action and provide me the zomato card as soon as possible and ban them from onboarding new customers till they start taking their customers seriously.”



8️⃣ Do not forget to claim compensation of Rs. 1,00,000 (this is the maximum amount) as claim for mental harassment in the last question on this page.



9️⃣ Attach all supporting documents that you want to attach as proof.



🔟 Submit your application, take a screenshot of your complaint number and let’s teach a lesson to RBL bank.



Let’s show them that customers are the king and they can’t take us lightly. Let’s get our card which is our right and their duty to issue.





No bank is bigger than our determination 💯
You can't force a bank to provide you a Credit card .
 
Many people have faced rejection or I should say have been cheated by RBL bank after getting invite from Zomato edition classic card.
It is not just a card issue now but an issue of our prestige. RBL can’t go around treating us like nothing.
So my dear friends, if you have also faced this problem, raise your voice and let RBL know that customers are the king.

Steps for complaining to RBI

ℹ️ For all Zomato card applicants jinko RBL ne reject kara hai



1️⃣ Go to cms.rbi.org.in -> Click on file complaint -> Enter Captcha



2️⃣ Enter your name and verify your mobile number



3️⃣ write complainant category - Individual, and in Entity - Search for RBL bank ltd and finally click “YES” on “is your complaint about credit card” question.



4️⃣ In detail of complaints, tick every option as “NO”



5️⃣ On next page, Click “YES” for “have you filed a written or electronic complaint”



6️⃣ Fill this carefully

Complaint category = Credit card

Complaint sub category 1 = Card issue/maintenance

Complaint sub category 2 = Other issues

Subject of your complaint = Refusal to issue card



7️⃣ In Fact of the case (most important) This is what I have written 👇you can copy and paste after making modification for your case.



“I got an invitation from zomato for their zomato edition classic card which is in partnership with RBL bank.

I was already having existing credit card with RBL named RBL shoprite but this time when I filled my PAN and address, my application was instantly rejected without any reason. I have a very high CIBIL score 780, very low credit utilisation and good credit depth of 5 years. No bank has ever rejected me for any card.

But When I contact RBL support this time, they were not interested in my case.

Customer care is so so bad that they cannot even understand my case and asked me to apply for a fresh card. Their PNO didnot reply at all and their Social media team is worst. They just sent a message that they will contact me and then ghosted me for 3 days inspite of repeating reminders.

Finally they are giving me an excuse that my card is rejected due to bank internal policy.

When I asked how is this possible that some times ago I was fulfilling your all conditions for RBL shoprite but not fulfilling any for RBL zomato card, the customer care goes into complete silence. They all just keep making excuse of bank internal policy and were not giving any logical answer because they donot have any logic. They have given zomato card to many of my friends who were already holding RBL card but here they just donot accept their mistake and are not ready to even listen to or reply to their customer. I had even contacted Mr. Vivek Chaudhary but even he didnot tried to solve my issue.

And this is not only in my case, there are at least 30 to 40 people facing the same issue and are mentally frustrated by the lack of customer support and discriminatory practices of RBL.

It is high time to ban RBL for their non existence and rubbish customer support so this becomes a lesson for other banks.



Kindly take immediate action and provide me the zomato card as soon as possible and ban them from onboarding new customers till they start taking their customers seriously.”



8️⃣ Do not forget to claim compensation of Rs. 1,00,000 (this is the maximum amount) as claim for mental harassment in the last question on this page.



9️⃣ Attach all supporting documents that you want to attach as proof.



🔟 Submit your application, take a screenshot of your complaint number and let’s teach a lesson to RBL bank.



Let’s show them that customers are the king and they can’t take us lightly. Let’s get our card which is our right and their duty to issue.





No bank is bigger than our determination 💯
What abt the compensation part, do we really get the compensation? or its just like some standard procedure.

I want to complain against payu (lazy pay) for reporting wrong data, but they are not changing it even after many mails. shall I complain to RBI, and will I get compensation of 1Lakh for the same??
 
What abt the compensation part, do we really get the compensation? or its just like some standard procedure.

I want to complain against payu (lazy pay) for reporting wrong data, but they are not changing it even after many mails. shall I complain to RBI, and will I get compensation of 1Lakh for the same??
Same Bro Koi Ans. De to mujhe bhi inform kr dena meko bhi complaint krna hai LazyPay pe
 
What abt the compensation part, do we really get the compensation? or its just like some standard procedure.

I want to complain against payu (lazy pay) for reporting wrong data, but they are not changing it even after many mails. shall I complain to RBI, and will I get compensation of 1Lakh for the same??
You may or may not

One person got 20000 becoz bank didn’t reported cc to cibil for too long.
 
Any update on this? I have got 3 invites for Zomato Edition card in last one year but everytime they immediately reject with that internal policy mesaage
 

Attachments

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