I am on a SPREE!

[kvndsz512]

Instead of lodging complaint via website, we can also send an e-mail.

Both the ways are available!

whats the email id? and its works almost same?

if u drop a mail does that complain reflect in the dashboard?

 

[sjmajumder]

Sorry for late update...

HSBC mailed in response to RBIO complaint and credited Rs. 1000 to my card on 12-Sep. In the response mail they tried to hide their incompetence and stated card has been delivered, however due to the delay they are paying a compensation of Rs. 1000 as a goodwill gesture. I replied stating please go through my complaint, all call date and time are given in my mail. Take out the call recording and see how you have harassed me for over 2 months.

There is no update to RBIO complaint as of yet.



No update on Axis complaint yet.

Update on Axis complaint:

Received WhatsApp message from branch requesting for a call. Yet to receive the call but received mail from RBIO for a meeting on 11-Nov.

 

[Aniket]

Update on Axis complaint:

Received WhatsApp message from branch requesting for a call. Yet to receive the call but received mail from RBIO for a meeting on 11-Nov.

Great, seems BO of your region is good enough in arbitration. Physical metting, right as happened in one of your previous case?

Wish you best of luck for that metting. Wish you win. 🤗🤞

 

[MVC]

i took a bank of Maharashtra home loan and the processing fees told by the bank was 40k total including all but now the bank has deducted almost 85k as charges towards loan and I’ve complained this to bank no response complained to rbi but they said that they can’t intervene for 30 days from the case is registered with bank 3 November 30 days will pass and how to reach to rbi? And also the bank manager deducted this whole charges from the loan account without my consent how to complain about it and can anyone help me with the current situation

 

[Pradumya]

@sjmajumder
Please suggest

Hello everybody

One of my first credit card - OneCard by SBM Bank India.
Issued - 5 Sep 2022
Closed - 8 Sep 2023
Last Credit reporting to CIBIL & Experian - May 2024

Just with above information, any stupid person will also understand that the bank is reporting my payments even after closure of card.

Bank has reported Zero DPD which is technically correct but this increased the payment history from 12 months to 21 months.

Now here's the story begins
I noticed these in May 2024, first complained to SBM nodal officer on 09 June 2024..
Did not receive any response from them. Escalated to principal nodal officer then also didn't receive any response.

Then had to complain to RBI ombudsman on June 27. On Tuesday this week I received the closure mail from RBI stating the summary of what SBM Bank responded to the complaint -
View attachment 73077

My major concern is that rbi ombudsman didn't gave me a chance to counter the bank's response. The bank has clearly hidden the card closure date, that's why last reporting in May 2024 seems justified.
Had the bank mentioned about the card closure date, the discrepancy in reporting could be easily identified.

I also mailed to crpc@rbi.org.in with my replies to bank's responses and requested them to reconsider the complaint
View attachment 73078

I didn't mention one thing - SBM Bank said that they mailed me on 09 August 2024 regarding this, but I DID NOT RECEIVE ANY COMMUNICATION FROM SBM BANK AFTER 12TH JULY.

Since the complaint is closed under non appealable clause, the complaint would not be reopened.

Now I seek the community's advice on what step can I take next to get those extra payment reportings removed?

 

[sjmajumder]

Great, seems BO of your region is good enough in arbitration. Physical metting, right as happened in one of your previous case?

Wish you best of luck for that metting. Wish you win. 🤗🤞

Thank you 🙂

Yes, it happened for the previous HSBC case where HSBC did not attend the meeting and I got Rs. 5000 compensation.

 

[sjmajumder]

@sjmajumder
Please suggest

If case is closed try to click on "Appeal". If it has been closed under appealable clause then you can appeal, else nothing can done.

 

[sjmajumder]

i took a bank of Maharashtra home loan and the processing fees told by the bank was 40k total including all but now the bank has deducted almost 85k as charges towards loan and I’ve complained this to bank no response complained to rbi but they said that they can’t intervene for 30 days from the case is registered with bank 3 November 30 days will pass and how to reach to rbi? And also the bank manager deducted this whole charges from the loan account without my consent how to complain about it and can anyone help me with the current situation

Do you have it in writing that processing fees is 40K? I believe it depends on the loan amount and same should be mentioned in the agreement that you have signed. First get the proof, then take action accordingly.

 

[Aniket]

Thank you 🙂

Yes, it happened for the previous HSBC case where HSBC did not attend the meeting and I got Rs. 5000 compensation.

Acha haan yaad aaya 🤭

 

[MVC]

Do you have it in writing that processing fees is 40K? I believe it depends on the loan amount and same should be mentioned in the agreement that you have signed. First get the proof, then take action accordingly.

I’ve sanction letter can I DM you so that I can share the details