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I am on a SPREE!

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sjmajumder

sjmajumder

TF Ace
I am on a spree...

Registered 5 complaints with RBI Ombudsman demanding compensation in each. Let's see how it goes 🙂

RBI Complaint.png

1. HSBC - Did not convert Amazon EMI purchase to EMI in a timely manner and sent full amount statement. After paying full amount they converted to EMI and charged interest. Also created lot of hassles in refunding credit balance after converting to EMI.

2. IndusInd - Doorstep Banking delayed cash pickup. Took 3 follow ups and one complaint to finally get the cash picked up after a five days delay.

3. Federal Bank - Issued Visa Signet when I applied for Celesta MC. Registered a complaint of mis-selling.

4. ICICI - Sapphiro Amex Addon card not working.

5. ICICI - 2 CIBIL enquiries for one Sapphiro application under alumni program.


Update:
15-May-2024: It seems the 30 days rule is there and bank can ask for it. 1 and 2 closed based on request from bank asking for more time to resolve the issue. It is mentioned that I can lodge a fresh complaint after 30 days has passed in case I don't receive a response/satisfactory resolution.
29-May-2024: Registered fresh complaint for 1 and 2 which was closed earlier.
13-Jun-2024: #3 closed as Federal bank issued Celesta Mastercard. No compensation. Details here.
16-Jun-2024: #5 closed. ICICI removed duplicate CIBIL hit. No compensation. Details here.
19-Jun-2024: #2. Received call from IndusInd Bank complaints department. They informed as per bank policy they have credited Rs. 2000 to my account yesterday and is also sending me an apology letter. Guess next step is closure mail from RBI.
21-Jun-2024: #1. Received mail from RBIO to attend conciliation meeting with HSBC on 26th June at RBI Kolkata. Details here.
24-Jun-2024: #4. Disappointed with RBIO. Closed complaint based on one sided input from ICICI stating no transactions were declined and they showed latest statement where there is transaction in primary card and RBIO got convinced and closed case. No option to appeal either. Written to RBIO, no response. Called them and I was told to go to court. This is VERY DISAPPOINTING.
02-Jul-2024: #1 Meeting at RBIO's office. Details here.
05-Jul-2024: #1 Received mail from HSBC PNO to share account details for credit of Rs. 5000 as per BO order.

Summary:
All cases closed.
#1: Got compensation of Rs. 5000
#2: Got compensation of Rs. 2000
#3: Federal bank issued Celesta MC. No compensation.
#4: Unresolved - Case closed based on fake evidence provided by ICICI bank. No option to appeal/reopen/register new complaint. Only option is to go to consumer court. No compensation. (Update: Issue resolved.)
#5: Both enquiries removed. No compensation.
 
Last edited:
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Last edited:
sjmajumder said:
I am on a spree...

Registered 5 complaints with RBI Ombudsman demanding compensation in each. Let's see how it goes 🙂

View attachment 53064

1. HSBC - Did not convert Amazon EMI purchase to EMI in a timely manner and sent full amount statement. After paying full amount they converted to EMI and charged interest. Also created lot of hassles in refunding credit balance after converting to EMI.

2. IndusInd - Doorstep Banking delayed cash pickup. Took 3 follow ups and one complaint to finally get the cash picked up after a five days delay.

3. Federal Bank - Issued Visa Signet when I applied for Celesta MS. Registered a complaint of mis-selling.

4. ICICI - Sapphiro Amex Addon card not working.

5. ICICI - 2 CIBIL enquiries for one Sapphiro application under alumni program.
Click to expand...
RBI will have to assign a RM for you only... all the best 🙂
 
sjmajumder said:
I am on a spree...

Registered 5 complaints with RBI Ombudsman demanding compensation in each. Let's see how it goes 🙂

View attachment 53064

1. HSBC - Did not convert Amazon EMI purchase to EMI in a timely manner and sent full amount statement. After paying full amount they converted to EMI and charged interest. Also created lot of hassles in refunding credit balance after converting to EMI.

2. IndusInd - Doorstep Banking delayed cash pickup. Took 3 follow ups and one complaint to finally get the cash picked up after a five days delay.

3. Federal Bank - Issued Visa Signet when I applied for Celesta MC. Registered a complaint of mis-selling.

4. ICICI - Sapphiro Amex Addon card not working.

5. ICICI - 2 CIBIL enquiries for one Sapphiro application under alumni program.
Click to expand...
All the best! ☺️
 
sjmajumder said:
I am on a spree...

Registered 5 complaints with RBI Ombudsman demanding compensation in each. Let's see how it goes 🙂

View attachment 53064

1. HSBC - Did not convert Amazon EMI purchase to EMI in a timely manner and sent full amount statement. After paying full amount they converted to EMI and charged interest. Also created lot of hassles in refunding credit balance after converting to EMI.

2. IndusInd - Doorstep Banking delayed cash pickup. Took 3 follow ups and one complaint to finally get the cash picked up after a five days delay.

3. Federal Bank - Issued Visa Signet when I applied for Celesta MC. Registered a complaint of mis-selling.

4. ICICI - Sapphiro Amex Addon card not working.

5. ICICI - 2 CIBIL enquiries for one Sapphiro application under alumni program.
Click to expand...
You exhausted all the levels of escalation with the respective REs and still didn't receive favourable responses in all the cases?

Or maybe you just wrote an intimation to each RE once and your next step is RBI Ombudsman?

EIther way, interesting...
 
sjmajumder said:
I am on a spree...

Registered 5 complaints with RBI Ombudsman demanding compensation in each. Let's see how it goes 🙂

View attachment 53064

1. HSBC - Did not convert Amazon EMI purchase to EMI in a timely manner and sent full amount statement. After paying full amount they converted to EMI and charged interest. Also created lot of hassles in refunding credit balance after converting to EMI.

2. IndusInd - Doorstep Banking delayed cash pickup. Took 3 follow ups and one complaint to finally get the cash picked up after a five days delay.

3. Federal Bank - Issued Visa Signet when I applied for Celesta MC. Registered a complaint of mis-selling.

4. ICICI - Sapphiro Amex Addon card not working.

5. ICICI - 2 CIBIL enquiries for one Sapphiro application under alumni program.
Click to expand...
has it been over a month for each issue?
 
diptarkaroy said:
Do they actually check that 30 days threshold?

I never filed any complaint to RBIO but I think I have to do that very soon!!!

@sjmajumder sir… if possible, you can create a detailed step by step article for RBIO complaint process
That would help a lot of persons like us!!!

Thanks
Click to expand...
here you go.. already done by @TechnoFino

www.technofino.in

How to file a complaint against a bank on the RBI banking ombudsman portal

If you want to file a complaint against any bank, follow those steps. Remember one thing, file a complaint with your bank first, then wait 30 days for resolution. If your bank doesn't solve your problem within 30 days, you can move to the RBI banking ombudsman. If you don't get any satisfactory...
www.technofino.in www.technofino.in
 
shrewdoc said:
You exhausted all the levels of escalation with the respective REs and still didn't receive favourable responses in all the cases?

Or maybe you just wrote an intimation to each RE once and your next step is RBI Ombudsman?

EIther way, interesting...
Click to expand...
Trying all levels is a just waste of time (talking from past experience). 99% of time you will get the same or similar response from all levels. Once you have got an unfavourable reply or not got any reply for 7 days it is better to knock on RBI doors.
 
diptarkaroy said:
Do they actually check that 30 days threshold?

I never filed any complaint to RBIO but I think I have to do that very soon!!!

@sjmajumder sir… if possible, you can create a detailed step by step article for RBIO complaint process
That would help a lot of persons like us!!!

Thanks
Click to expand...
There is no such mandate for 30 days. Only mandate is you must have filed a written/electronic complaint.

@It_is_Naruto has already shared the link for guideline on how to file a complaint with RBI ombudsman. https://www.technofino.in/community/threads/i-am-on-a-spree.26449/post-638456
 
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