I mean customer ID
Ideally under core banking system, banks should not create two customer IDs if your mobile no and PAN are same, they should be able to detect that and link in backend, it might take a few days but it happens, even l**du Axis did it correctly.
Even in case two customer IDs are generated for some reason or other, a simple service request links it, I've experience regarding this with ICICI.
But if it's IndusInd and two customer IDs are created, then hardly anybody knows what to do.
Customer ID, also known as CIF (Customer Information File), is the same thing for many banks. These issues can be easily resolved by a knowledgeable RM who can navigate through any problems. In my case, it took four weeks to handle everything through my RM. While my RM is greedy like others, at least he knows his work. 😂
In my situation, I had a zero balance account that was opened 3-4 years ago. I stopped using it when I was informed one day that I had to undergo verification again, even after completing the KYC process. Consequently, I ceased using the account. However, this year, after obtaining the Legend card and joining this forum, I discovered that I could open a Zero MAB Select account using my Legend card as a surrogate. When I visited the branch and requested an upgrade for my account, they refused, stating that the account was opened online and not a Zero MAB account. However, I distinctly remember it being opened in their branch, and the person who opened it informed me it was a Zero MAB account. 😂 Regardless, I didn't argue with them and agreed to open a new joint account since I already had a single account.
The problems began one after another, and the entire account opening process took around three hours, even continuing into the next day. My wife, mother, and father had to visit the branch next day for eKYC.
Here is how the series of events unfolded:
1. During the account opening process, they were already aware of my existing account, so they attempted to open another joint account using that CIF. While opening my wife's account, they discovered that she also had a CIF with them due to her usage of Mobikwik, which somehow created an FD account with IndusInd Bank.
2. After two days had passed, I called my RM and inquired about how long it would take for me to have full access to my account. He informed me that there were numerous issues with my account, all stemming from my old account. The person who created it did not input my full name, which is quite long, resulting in only a few alphabets being present. Additionally, my wife's signature did not match.
3. After a few more days, I called my RM again because I had received my welcome kit, but the address on it was incorrect and incomplete. Furthermore, my name was completely wrong. My RM explained that these issues occurred due to my old account, and they had already submitted a request to rectify the errors.
In short, if your RM is knowledgeable and resourceful, they can resolve any issue. It is crucial not to create multiple CIFs, as this leads to more problems. Based on other people's experiences, it appears that bank employees knowingly or unknowingly create separate accounts under different CIFs, possibly to meet their targets. Otherwise, I see no reason for doing so, as when my account was being opened, I was seated next to my RM and witnessed that they could check for any existing relationships using mobile number, PAN, and Aadhar. The account creation form does not allow them to submit it under a different CIF. It is quite evident that something was manipulated to create a new account under a different CIF; otherwise, it would not be possible.
If two separate CIFs have been created, it is advisable to ask your RM to resolve the issue instead of dealing with customer care, as your RM is familiar with your case history. Any linking or delinking that needs to be done should be requested through them. This situation could be easily resolved if all accounts are consolidated under one CIF. I apologize for the lengthy post, but I felt it was necessary to share my experience, as it may be helpful to others. If your RM proves to be useless, it might be better to close the account and either switch to another branch or consider moving to another bank. 🤣
