Kiwi credit card VKYC rejected

[sjmajumder]

I applied for Kiwi Credit Card through the app today. Yes Bank VKYC got rejected due to name mismatch. It seems Kiwi did not mention my middle name in the application and VKYC agent rejected my application asking me to contact the sales person regarding the same.

Anyone else faced this issue? Any known solution?

 

[sjmajumder]

Kiwi support is worst. They simply replied to my detailed email stating my application is rejected due to the Bank's internal policies. Replied strongly. Let's see what happens.

Further I noticed Yes Bank did 2 CIBIL hits. Should I complaint to Kiwi (already done) or to Yes bank?

 

[sjmajumder]

I complained to Yes Bank and got below reply. Nothing on double CIBIL hit. This will be my next RBIO complaint 🙂

 

[Aniket]

Even a bot can reply in a better way. 😂

 

[HumorSimpson]

Even a bot can reply in a better way. 😂

No. Bots are facing extinction with data poisoning.

LLMs getting trained on Hinurglish posts of technical forums in India 🇮🇳 They will never be able to distinguish sale, whether it's saaley in hindi or sale in English.

 

[Aniket]

I complained to Yes Bank and got below reply. Nothing on double CIBIL hit. This will be my next RBIO complaint 🙂

View attachment 77332

They are not even addressing the concern either in postive/negative way.

Just ignoring the facts that they have made the enquiry twice. Go ahead, as you have u decided to make a complaint to RBI BO.

 

[sjmajumder]

They are not even addressing the concern either in postive/negative way.

Just ignoring the facts that they have made the enquiry twice. Go ahead, as you have u decided to make a complaint to RBI BO.

Neither the fact that VKYC was rejected due to mismatch in name in spite of me providing my PAN and Aadhaar. Form was auto filled by Kiwi, Kiwi app shows my full name along with middle name. So how did it go missing in the application form?

Also how can bank say card rejected due to not meeting credit policy parameters when VKYC itself was rejected due to mismatch in name?

 

[Aniket]

Neither the fact that VKYC was rejected due to mismatch in name in spite of me providing my PAN and Aadhaar. Form was auto filled by Kiwi, Kiwi app shows my full name along with middle name. So how did it go missing in the application form?

Also how can bank say card rejected due to not meeting credit policy parameters when VKYC itself was rejected due to mismatch in name?

It's how they work. What to expect?
Have u recorded the statement of KYC executive /agent, via sound recorder or another means?

Have you received an application for where middle name is missing, or it's told by the executive only?

Now, it's time to give 🎍 to Yes & Gokiwi Tech as well.

 

[sjmajumder]

It's how they work. What to expect?
Have u recorded the statement of KYC executive /agent, via sound recorder or another means?

Nope. I don't have any proof as such.

Have you received an application for where middle name is missing, or it's told by the executive only?

It was told by executive. I don't have access to application form. It was an automated process.

Now, it's time to give 🎍 to Yes & Gokiwi Tech as well.

Yes, need to check if I can make separate complaints against each of them. Any suggestions here?

 

[Aniket]

Nope. I don't have any proof as such.

Ok

It was told by executive. I don't have access to application form. It was an automated process.

Few banks send application form after submitting the application. That's good practice.

Yes, need to check if I can make separate complaints against each of them. Any suggestions here?

Since you don't have any proof, they may say something different about the reason to BO. Though, proceed and see what's to say, they failed to address, what's the reason on rejection, instead given a vague ans; internal policy.

 

[sjmajumder]

Yes Bank replied yesterday asking for CIBIL report showing double enquiry. Mailed it today. Didn't say anything about rejection reason in the mail.

 

[Deleted member 43492]

Anyway to find application number? @sjmajumder Any response from RBI BO?

 

[sjmajumder]

Anyway to find application number? @sjmajumder Any response from RBI BO?

Not complained yet. Waiting for Yes bank to revert.

 

[Deleted member 43492]

Not complained yet. Waiting for Yes bank to revert.

How did you find your application number for complaining?