Minimum time for Eterna re-application?

[Obhi]

What is the minimum time for applying again after rejection. anyone has any idea or experience on this?
My card application was rejected 2 months back only for non presence at my address during field verification.

 

[vysakh]

I had the same problem, they kept saying reapply after 6 months. I escalate the issue, still the same reply. Got fed up and raised a complaint with RBI and within a week the rejected application was approved

 

[Obhi]

I had the same problem, they kept saying reapply after 6 months. I escalate the issue, still the same reply. Got fed up and raised a complaint with RBI and within a week the rejected application was approved

can you please elaborate the issue you faced and how did you complain at RBI?

@vysakh

 

[BUDHRAJ]

I had the same problem, they kept saying reapply after 6 months. I escalate the issue, still the same reply. Got fed up and raised a complaint with RBI and within a week the rejected application was approved

how to raise complaint to rbi.. my application is rejected.. mailed them several times asking about exact reason for rejection, they keep saying internal policies..

 

[Jatin1987]

I had the same problem, they kept saying reapply after 6 months. I escalate the issue, still the same reply. Got fed up and raised a complaint with RBI and within a week the rejected application was approved

do rbi really entertain these type of complaints like credit card rejection?????? 😳

 

[vysakh]

can you please elaborate the issue you faced and how did you complain at RBI?

I forwarded the mail chain with BOB which included crm, escalations etc) to crpc @ rbi

Hello RBI officer

I applied for a credit card, submitted all documents, did the vKYC etc. Was eligible on all fronts and the CIBIL enquiry was made too (which caused my score to drop a bit as well.
For the In Person Verification, the person from BOB went to my office on a day I was working from home called me and after I said I was working from home, cut the call and gave negative field verification (as the crm keeps repeating). I did not get a call from BOB again, nor did they try to do the In Person Verification again. Now they're giving robotic replies to apply after 6 months without even reading my message (mail chain attached).

Could you take the necessary action so that either:
1. The In person verification is done immediately and the car issued, or
2. Remove the enquiry made to CIBIL so that my score goes back to what it was earlier?

They replied in a day asking for details

Please refer to your complaint dated 29/08/2022 against BoB Financials



2. On analysis of the complaint, it is observed that the information provided in the complaint does not have the required information for initial processing. You are requested to provide the following documents/clarifications within three days for registering your complaint:

1. Name of the complainant.
2. Mobile number of the complainant.
3. Full address of the complainant.
4. Entity name against which the complaint is made.
5. Complete address of the bank branch.
6. Details of the issue/complaint.
7. Copy of written complaint lodged with the bank.
8. Copy of reply received from the bank, if any.
9. Supporting documents for the complaint.

4. You may kindly note that if the information/documents are not furnished within three working days, your complaint will not be actioned for initial processing. No further action will be taken.

5. Kindly treat this matter as urgent.

Regards

CRPC

Gave those details and there was no reply for a week. Then I got an SMS from bluedart saying a courier has been despatched to my address

Also got the mail from BOB (got it a couple of days after the card was delivered, ironically)

Dear Sir,

Greetings from BoB Financial Solutions Ltd!

We refer to your complaint raised under Honorable Banking Ombudsman and would like to inform you that, your Bank of Baroda credit card application xxxx has been approved. The card will be delivered to your registered mailing address within 7-10 working days.

 

[ujjawal]

You did good thing and this should be example to everyone who faced the similar issue.