OneCard Credit Card closed without my consent....!!!Seeking guidance to file RBI OMBUDSMAN CASE...

[Salman925492]

Hi Guy's, seeking advice from you guy's,

I have sent a mail to OneCard Helpdesk and nodal & Grievance on 20 Dec 2024, 9:51 pm.
This is what I written "Dear OneCard Help Team,
I am again writing to request a conversion of my secured OneCard Ending with 5710(issued on the basis of a fixed deposit Rs 10,000) to an unsecured OneCard.I've been a loyal OneCard user since January 26, 2022, and appreciate the opportunity you provided to build my credit history. As my first credit card, I've used it responsibly, consistently making all bill payments on time and in full. This responsible usage has significantly improved my CIBIL score, which currently stands above 770+.Through responsible credit card usage, I've also accumulated a good number of rewards points with OneCard. Additionally, my improved CIBIL score has qualified me for unsecured credit cards with credit limits exceeding ₹1 lakh from other leading banks:
1. SBM OneCard CC - ₹10,200
2. Kotak League RuPay CC - ₹20,000
3. HDFC TATA NEU RUPAY CC - ₹83,000
4. AMAZON PAY ICICI CC - ₹1,20,000
5. ICICI CORAL RUPAY CC - ₹1,20,000
6. SBI SIMPLY SAVE RUPAY - ₹1,09,000
7. RBL SHOPRITE RUPAY CC - ₹40,000
8. FLIPKART AXIS CC - ₹1,02,000
9. FEDERAL RUPAY SIGNET CC - ₹1,00,800
10. IDFC FIRST MILLENNIA CC - ₹1,00,000
11. AXIS NEO RUPAY CC - ₹1,02,000
12. SBI CASHBACK CC - ₹1,09,000
While I recognize the benefits of unsecured credit cards, I would prefer to continue using OneCard due to my positive experience and accumulated rewards. However, I would also appreciate the flexibility of having my fixed deposit returned.

This is the last time I'm requesting to you guy's otherwise im unfortunately i'm going to close the fd & end the relationship between the me and OneCard.Therefore, I kindly request you to consider converting my secured OneCard to an unsecured OneCard. I've attached a copy of my recent CIBIL report for your reference.

Then i got an replies from OneCard on
20 Dec 2024, 9:52 pm Ticket ID: 6945924
One of our CX associates is going through your email and will be in touch with you within 48 hours.

Then again I got an call from OneCard Representatives 22 Dec 2024, 12:24 pm
She said that we're not able to provide the upgrade offer (fd to non fd OneCard cc).
Then I clear asked, "WHAT IS THE PROCESS OF CLOSING THE ONECARD CREDIT CARD...? I WANT TO KNOW." that's it from side. Then again she replied "You'll get an call from our side regarding Closure process."

Then I waited for it but then I got an email stating that "my OneCard Credit Card has been closing in next 3-4 days."
I again sent mail Grievances then again I got an call from Grievances team said from your request only we closing the card. We tried to connecting but i didn't happen we think you said YES so we did the complete closure process.
I said "i have call recordings and evidence at no point did I request or authorize the closure of my account of the FD."

Then again got an email from OneCard Grievances team On 26 Dec 2024, 3:57 pm
Regarding your recent query with ticket ID: 6945924, we would like to clarify that the request for closing your OneCard account was initiated only after receiving your confirmation. As per our records, the account closure was processed following your explicit consent on 22 Dec 2024 at 12:24 PM.
If you believe there has been a misunderstanding or have any call recordings or other evidence that suggests otherwise, please share them with us. This will allow us to review the matter thoroughly and take appropriate action if necessary.
Then I replied with call recordings as evidence.
Yes i have proof,I attached call recording of that call.I clearly said "what is the process the close the one card" That's it
Why should i close OneCard for not getting upgrade offer on December 22 2024. I going to use till the Jan or March 2025 or continue To Mature the my 2-4 fd which is on onecard.
Your representative said you'll get an call regarding this.
I waited for that call but i didn't get any call.


Then I got an mail from grievances@fplabs.tech on 30 Dec 2024, 2:18 pm
As per our telephonic conversation, we sincerely apologise for the unexpected closure of your card account without your prior consent. We deeply regret any inconvenience or disruption this may have caused you.
We understand the importance of your card and the impact this situation may have had on your financial activities, please be assured that this was not our intention, and we are taking this matter very seriously.
As discussed during our phone conversation, we will be issuing an Amazon voucher worth INR 1,000, equivalent to the maturity amount of the fixed deposit.
We kindly request your confirmation to proceed, after which we will share the Amazon voucher code with you.
They clearly mentioned that "It's their fault,they closed my OneCard CC without my explicit consent"

Then I replied to them to
help@getonecard.app
grievances@fplabs.tech
nodalofficer@fplabs.tech
On 30 Dec 2024, 5:24 pm

Subject: Urgent Request for Reissuance of My OneCard and Rectification of Unsolicited Closure

Dear Escalation and Grievance Redressal Team,
I hope this email finds you well. I am writing to express my deep concern and dissatisfaction regarding the closure of my OneCard ending with 5710, which was done without my consent, prior notice, or a direct call from your team.

This card, issued on the basis of a fixed deposit, is crucial for maintaining my long credit history, and its sudden closure is not only unwarranted but also has serious implications for my CIBIL score and overall credit standing. It is the oldest card in my CIBIL report, and I do not wish to lose this valuable piece of my credit history due to what I believe was a mistake on your part.

To summarize:
1. I have been requesting for a conversion from secured to unsecured OneCard since September 2024 (with email correspondence and tweets regarding the same), as my credit score has improved significantly (above 770+), and I now qualify for multiple unsecured credit cards from other leading banks.
2. Despite these repeated requests, I was informed that no such offer would be made to me and that I should keep using my OneCard app to "attract" the upgrade offer, as per several responses from your team.
3. On December 22, 2024, I had a conversation with your representative, where I merely inquired about the process to close the card, and never requested for the closure. Despite this, my card was closed without my consent, and my FD was refunded prematurely, resulting in a loss of interest that was due to me.
4. I have raised this issue multiple times and attached call recordings as evidence of my intention. Your team has now admitted that the closure was made without my explicit consent, which has caused significant inconvenience, not to mention the potential damage to my credit history.
I would like to reiterate my request to reissue my OneCard, as I am still in possession of my FD and wish to continue benefiting from the long credit history associated with this card. I am willing to transfer the same FD amount again to reinstate the secured card.
I understand that mistakes can happen, but the impact this has had on my financial situation and emotional well-being is significant. I believe it is only fair that you rectify this error by reissuing my OneCard and ensuring that my CIBIL score remains unaffected.
Please let me know how we can proceed to resolve this issue as soon as possible. If the situation is not addressed satisfactorily, I will have no choice but to escalate this matter to the RBI Ombudsman and Consumer Forum, as I feel that my consumer rights have been violated.
No response from their end
Again same bla blah....

Again I sent an email on 2 Jan 2025, 12:43 pm
To Both the ONECARD AND SBM BANK
help@getonecard.app
grievances@fplabs.tech
nodalofficer@fplabs.tech
customercare@sbmbank.co.in
Nodal.officer@sbmbank.co.in
principalnodalofficer@sbmbank.co.in

OneCard Credit Card Closure Complaint - Legal Action Notice
Dear OneCard
Thank you for your response regarding my complaint (Ticket ID: 7020779) about the unauthorized closure of my OneCard Credit Card.
However, I am deeply disappointed with the proposed resolution of an INR 1,000 Amazon voucher. This does not address the serious issues surrounding the closure of my account, which fall under several provisions of the RBI Ombudsman Scheme.
Here's a breakdown of the concerns that violate the guidelines set forth by the RBI Ombudsman Scheme complaint portal:
Violations of the RBI Ombudsman Scheme:
* Credit Card Closed Without Consent (Regulation 5(2) of CoD Regulations, 2022): My OneCard Credit Card was closed without my explicit consent. This is a clear violation of RBI regulations.
* Unauthorized Account Closure (Regulation 5(2) of CoD Regulations, 2022): A representative made the decision to close my account without my authorization. This falls under unauthorized account closure.
* Lack of Communication (Regulation 6(1) of CoD Regulations, 2022): I was not informed before the closure through any form of communication, including calls (as per your claim that calls didn't connect). This is a violation of communication regulations.
* Misinterpretation of Conversation (Regulation 8 of CoD Regulations, 2022): During the call with the escalation team, I clarified that I never requested immediate closure. However, an email stating the opposite was sent. This is misinterpretation of conversation.
* Ignoring Evidence (Regulation 7(1) of CoD Regulations, 2022): Despite providing call recordings as proof, the closure proceeded. This is a disregard for presented evidence.
* Unsatisfactory Resolution (Regulation 13(6) of CoD Regulations, 2022): The escalation team's offer of a voucher is an unsatisfactory resolution to a serious issue.
* False Promises (Regulation 8 of CoD Regulations, 2022): Initially, the representative mentioned a call regarding the "closing process," which I interpreted as information gathering, not closure itself. This can be construed as a false promise.
* False Trade Practices (Section 2(a) of the Consumer Protection Act, 2019): The entire sequence of events, from the lack of communication to the unaddressed evidence, suggests potential false trade practices.
* No Response from Nodal Officer (Regulation 10 of CoD Regulations, 2022): My attempts to reach the nodal officer at nodalofficer@fplabs.tech have been unsuccessful. This is a violation of the regulation requiring a designated nodal officer for grievance redressal.
* Denial of Reopening (Regulation 11 of CoD Regulations, 2022): Despite providing evidence, the claim of not having the authority to reopen the account seems suspect. There should be a proper escalation process for such situations.
* Negative Impact on Credit Score (Regulation 8 of CoD Regulations, 2022): The closure of this FD-backed card negatively affects my creditworthiness, bill payment history, and credit history, especially considering it was my oldest credit line. This is a significant consequence.
Next Steps:
Given the seriousness of these violations and the lack of a satisfactory resolution, I am left with no choice but to explore further options. This includes:
* Filing a formal complaint with the RBI Ombudsman.
* Considering legal action against SBM Bank for the unauthorized closure and its consequences.
I urge you to reconsider the current offer and propose a solution that addresses the aforementioned issues. This could involve immediate reactivation of my account, a documented apology for the inconvenience caused, and compensation for the potential damage to my credit score.
Please respond within 7 business days with a revised resolution plan.

 

[Gownandha]

Hi Guy's, seeking advice from you guy's,

I have sent a mail to OneCard Helpdesk and nodal & Grievance on 20 Dec 2024, 9:51 pm.
This is what I written "Dear OneCard Help Team,
I am again writing to request a conversion of my secured OneCard Ending with 5710(issued on the basis of a fixed deposit Rs 10,000) to an unsecured OneCard.I've been a loyal OneCard user since January 26, 2022, and appreciate the opportunity you provided to build my credit history. As my first credit card, I've used it responsibly, consistently making all bill payments on time and in full. This responsible usage has significantly improved my CIBIL score, which currently stands above 770+.Through responsible credit card usage, I've also accumulated a good number of rewards points with OneCard. Additionally, my improved CIBIL score has qualified me for unsecured credit cards with credit limits exceeding ₹1 lakh from other leading banks:
1. SBM OneCard CC - ₹10,200
2. Kotak League RuPay CC - ₹20,000
3. HDFC TATA NEU RUPAY CC - ₹83,000
4. AMAZON PAY ICICI CC - ₹1,20,000
5. ICICI CORAL RUPAY CC - ₹1,20,000
6. SBI SIMPLY SAVE RUPAY - ₹1,09,000
7. RBL SHOPRITE RUPAY CC - ₹40,000
8. FLIPKART AXIS CC - ₹1,02,000
9. FEDERAL RUPAY SIGNET CC - ₹1,00,800
10. IDFC FIRST MILLENNIA CC - ₹1,00,000
11. AXIS NEO RUPAY CC - ₹1,02,000
12. SBI CASHBACK CC - ₹1,09,000
While I recognize the benefits of unsecured credit cards, I would prefer to continue using OneCard due to my positive experience and accumulated rewards. However, I would also appreciate the flexibility of having my fixed deposit returned.

This is the last time I'm requesting to you guy's otherwise im unfortunately i'm going to close the fd & end the relationship between the me and OneCard.Therefore, I kindly request you to consider converting my secured OneCard to an unsecured OneCard. I've attached a copy of my recent CIBIL report for your reference.

Then i got an replies from OneCard on
20 Dec 2024, 9:52 pm Ticket ID: 6945924
One of our CX associates is going through your email and will be in touch with you within 48 hours.

Then again I got an call from OneCard Representatives 22 Dec 2024, 12:24 pm
She said that we're not able to provide the upgrade offer (fd to non fd OneCard cc).
Then I clear asked, "WHAT IS THE PROCESS OF CLOSING THE ONECARD CREDIT CARD...? I WANT TO KNOW." that's it from side. Then again she replied "You'll get an call from our side regarding Closure process."

Then I waited for it but then I got an email stating that "my OneCard Credit Card has been closing in next 3-4 days."
I again sent mail Grievances then again I got an call from Grievances team said from your request only we closing the card. We tried to connecting but i didn't happen we think you said YES so we did the complete closure process.
I said "i have call recordings and evidence at no point did I request or authorize the closure of my account of the FD."

Then again got an email from OneCard Grievances team On 26 Dec 2024, 3:57 pm
Regarding your recent query with ticket ID: 6945924, we would like to clarify that the request for closing your OneCard account was initiated only after receiving your confirmation. As per our records, the account closure was processed following your explicit consent on 22 Dec 2024 at 12:24 PM.
If you believe there has been a misunderstanding or have any call recordings or other evidence that suggests otherwise, please share them with us. This will allow us to review the matter thoroughly and take appropriate action if necessary.
Then I replied with call recordings as evidence.
Yes i have proof,I attached call recording of that call.I clearly said "what is the process the close the one card" That's it
Why should i close OneCard for not getting upgrade offer on December 22 2024. I going to use till the Jan or March 2025 or continue To Mature the my 2-4 fd which is on onecard.
Your representative said you'll get an call regarding this.
I waited for that call but i didn't get any call.


Then I got an mail from grievances@fplabs.tech on 30 Dec 2024, 2:18 pm
As per our telephonic conversation, we sincerely apologise for the unexpected closure of your card account without your prior consent. We deeply regret any inconvenience or disruption this may have caused you.
We understand the importance of your card and the impact this situation may have had on your financial activities, please be assured that this was not our intention, and we are taking this matter very seriously.
As discussed during our phone conversation, we will be issuing an Amazon voucher worth INR 1,000, equivalent to the maturity amount of the fixed deposit.
We kindly request your confirmation to proceed, after which we will share the Amazon voucher code with you.
They clearly mentioned that "It's their fault,they closed my OneCard CC without my explicit consent"

Then I replied to them to
help@getonecard.app
grievances@fplabs.tech
nodalofficer@fplabs.tech
On 30 Dec 2024, 5:24 pm

Subject: Urgent Request for Reissuance of My OneCard and Rectification of Unsolicited Closure

Dear Escalation and Grievance Redressal Team,
I hope this email finds you well. I am writing to express my deep concern and dissatisfaction regarding the closure of my OneCard ending with 5710, which was done without my consent, prior notice, or a direct call from your team.

This card, issued on the basis of a fixed deposit, is crucial for maintaining my long credit history, and its sudden closure is not only unwarranted but also has serious implications for my CIBIL score and overall credit standing. It is the oldest card in my CIBIL report, and I do not wish to lose this valuable piece of my credit history due to what I believe was a mistake on your part.

To summarize:
1. I have been requesting for a conversion from secured to unsecured OneCard since September 2024 (with email correspondence and tweets regarding the same), as my credit score has improved significantly (above 770+), and I now qualify for multiple unsecured credit cards from other leading banks.
2. Despite these repeated requests, I was informed that no such offer would be made to me and that I should keep using my OneCard app to "attract" the upgrade offer, as per several responses from your team.
3. On December 22, 2024, I had a conversation with your representative, where I merely inquired about the process to close the card, and never requested for the closure. Despite this, my card was closed without my consent, and my FD was refunded prematurely, resulting in a loss of interest that was due to me.
4. I have raised this issue multiple times and attached call recordings as evidence of my intention. Your team has now admitted that the closure was made without my explicit consent, which has caused significant inconvenience, not to mention the potential damage to my credit history.
I would like to reiterate my request to reissue my OneCard, as I am still in possession of my FD and wish to continue benefiting from the long credit history associated with this card. I am willing to transfer the same FD amount again to reinstate the secured card.
I understand that mistakes can happen, but the impact this has had on my financial situation and emotional well-being is significant. I believe it is only fair that you rectify this error by reissuing my OneCard and ensuring that my CIBIL score remains unaffected.
Please let me know how we can proceed to resolve this issue as soon as possible. If the situation is not addressed satisfactorily, I will have no choice but to escalate this matter to the RBI Ombudsman and Consumer Forum, as I feel that my consumer rights have been violated.
No response from their end
Again same bla blah....

Again I sent an email on 2 Jan 2025, 12:43 pm
To Both the ONECARD AND SBM BANK
help@getonecard.app
grievances@fplabs.tech
nodalofficer@fplabs.tech
customercare@sbmbank.co.in
Nodal.officer@sbmbank.co.in
principalnodalofficer@sbmbank.co.in

OneCard Credit Card Closure Complaint - Legal Action Notice
Dear OneCard
Thank you for your response regarding my complaint (Ticket ID: 7020779) about the unauthorized closure of my OneCard Credit Card.
However, I am deeply disappointed with the proposed resolution of an INR 1,000 Amazon voucher. This does not address the serious issues surrounding the closure of my account, which fall under several provisions of the RBI Ombudsman Scheme.
Here's a breakdown of the concerns that violate the guidelines set forth by the RBI Ombudsman Scheme complaint portal:
Violations of the RBI Ombudsman Scheme:
* Credit Card Closed Without Consent (Regulation 5(2) of CoD Regulations, 2022): My OneCard Credit Card was closed without my explicit consent. This is a clear violation of RBI regulations.
* Unauthorized Account Closure (Regulation 5(2) of CoD Regulations, 2022): A representative made the decision to close my account without my authorization. This falls under unauthorized account closure.
* Lack of Communication (Regulation 6(1) of CoD Regulations, 2022): I was not informed before the closure through any form of communication, including calls (as per your claim that calls didn't connect). This is a violation of communication regulations.
* Misinterpretation of Conversation (Regulation 8 of CoD Regulations, 2022): During the call with the escalation team, I clarified that I never requested immediate closure. However, an email stating the opposite was sent. This is misinterpretation of conversation.
* Ignoring Evidence (Regulation 7(1) of CoD Regulations, 2022): Despite providing call recordings as proof, the closure proceeded. This is a disregard for presented evidence.
* Unsatisfactory Resolution (Regulation 13(6) of CoD Regulations, 2022): The escalation team's offer of a voucher is an unsatisfactory resolution to a serious issue.
* False Promises (Regulation 8 of CoD Regulations, 2022): Initially, the representative mentioned a call regarding the "closing process," which I interpreted as information gathering, not closure itself. This can be construed as a false promise.
* False Trade Practices (Section 2(a) of the Consumer Protection Act, 2019): The entire sequence of events, from the lack of communication to the unaddressed evidence, suggests potential false trade practices.
* No Response from Nodal Officer (Regulation 10 of CoD Regulations, 2022): My attempts to reach the nodal officer at nodalofficer@fplabs.tech have been unsuccessful. This is a violation of the regulation requiring a designated nodal officer for grievance redressal.
* Denial of Reopening (Regulation 11 of CoD Regulations, 2022): Despite providing evidence, the claim of not having the authority to reopen the account seems suspect. There should be a proper escalation process for such situations.
* Negative Impact on Credit Score (Regulation 8 of CoD Regulations, 2022): The closure of this FD-backed card negatively affects my creditworthiness, bill payment history, and credit history, especially considering it was my oldest credit line. This is a significant consequence.
Next Steps:
Given the seriousness of these violations and the lack of a satisfactory resolution, I am left with no choice but to explore further options. This includes:
* Filing a formal complaint with the RBI Ombudsman.
* Considering legal action against SBM Bank for the unauthorized closure and its consequences.
I urge you to reconsider the current offer and propose a solution that addresses the aforementioned issues. This could involve immediate reactivation of my account, a documented apology for the inconvenience caused, and compensation for the potential damage to my credit score.
Please respond within 7 business days with a revised resolution plan.

All the best bro. I would suggest you to wait for 30 days from first complaint you sent to one card to go to RBIO for complaint.

1. Best case scenario you take a compensation, ask them to reopen or give you a new credit card without deposit and the limit should match your highest credit limit with respect to other cards.
2. Mid scenario, you get a fat compensation through RBIO.
3. Worst case scenario take that 1000rs voucher and move on.

Don't settle for low. 1k is nothing significant. Atleast for now.

 

[Salman925492]

All the best bro. I would suggest you to wait for 30 days from first complaint you sent to one card to go to RBIO for complaint.

1. Best case scenario you take a compensation, ask them to reopen or give you a new credit card without deposit and the limit should match your highest credit limit with respect to other cards.
2. Mid scenario, you get a fat compensation through RBIO.
3. Worst case scenario take that 1000rs voucher and move on.

Don't settle for low. 1k is nothing significant. Atleast for now.

Thanks for your information bhai I'll keep it in mind.

 

[Maitri_Maniya]

@Salman925492 did you raise a complaint in RBIO?

 

[Salman925492]

@Salman925492 did you raise a complaint in RBIO?

No bro I'm waiting for deadline (Jan 25) to be pass. Then I'll file a complaint .

 

[Maitri_Maniya]

No bro I'm waiting for deadline (Jan 25) to be pass. Then I'll file a complaint .

can we even file a complaint for one card? what's the entity name for one card?

 

[Salman925492]

can we even file a complaint for one card? what's the entity name for one card?

I think SBM Bank (India) Limited. Why you're asking...? Your OneCard also closed....? What's the case.?

 

[Maitri_Maniya]

I think SBM Bank (India) Limited. Why you're asking...? Your OneCard also closed....? What's the case.?

have add on card problem. my onecard is issued by BOB bank

i think the 30 days window is only if you didn't get any updates from the bank.
but if you are not satisfied with their respon. then i think you can complain before 30 days also

 

[Salman925492]

Best case scenario you take a compensation, ask them to reopen or give you a new credit card without deposit and the limit should match your highest credit limit with respect to other.

#update
Hi Guys i sent them reminder 1 & reminder 2 emails and final reminder will be on 25 JANUARY to escalate this matter to RBIO. Earlier i said i want my OneCard back. Now they are coming now with new offer.
I replied thier escalation team On phone call that I want my OneCard back at any cost. He's asking about compensation part which i mentioned in earlier email give me compensation as max to max 1,00,000,how you wrote that compensation amount which rbi guidelines. Please give me which guidelines , blah blah. Then I said even when it's Bank faults, Bank now offered only 1k that also in the name of goodwill gesture. So I wrote Rs 50,000 as compensation & for mental harassment Rs 50,000.
He said no one will be able to give Rs5,000(5k Amazon voucher) compensation,even RBIO can't provide this much compensation.You should keep this offer. I said Even RBIO help me or not regarding this or they order doesn't provide single rupees as compensation,i would love to take that decision,because i want my OneCard back. Then I'll take this matter to consumer court because I want my OneCard back. Then they sent this email after a phone call.


Here what they sent.
"Regarding your recent query with ticket ID: 7101232, we understand your query about account closure.We sincerely apologize for the unexpected closure of your card account without your prior consent. We deeply regret any inconvenience or disruption this may have caused and truly empathize with the challenges this situation may have created in your financial activities. Please rest assured, this was never our intention.
We are fully committed to adhering to the guidelines the Reserve Bank of India (RBI) laid down. Ensuring compliance with these regulatory standards is our highest priority. We acknowledge the importance of transparency and customer consent in all account-related matters, and we deeply regret that this situation did not meet those expectations.
As informed over the call, we have investigated the case, and we regret to inform you that we currently do not have the provision to reactivate your OneCard account however we are ready to offer you an amazon voucher of INR 5000 as a service gesture and the same has been denied from your end. Hence we are unable to process any request for you"

In this case I'm ready to take 5k compensation & I'll ask them to give me a new credit card without deposit and the limit should match my highest credit limit with respect to other cards.

1.Should I send this...?
2.Should I escalate this matter to RBIO...?
(If they're not ready provide resolution by 26 Jan I'll file case)

 

[Gownandha]

#update
Hi Guys i sent them reminder 1 & reminder 2 emails and final reminder will be on 25 JANUARY to escalate this matter to RBIO. Earlier i said i want my OneCard back. Now they are coming now with new offer.
I replied thier escalation team On phone call that I want my OneCard back at any cost. He's asking about compensation part which i mentioned in earlier email give me compensation as max to max 1,00,000,how you wrote that compensation amount which rbi guidelines. Please give me which guidelines , blah blah. Then I said even when it's Bank faults, Bank now offered only 1k that also in the name of goodwill gesture. So I wrote Rs 50,000 as compensation & for mental harassment Rs 50,000.
He said no one will be able to give Rs5,000(5k Amazon voucher) compensation,even RBIO can't provide this much compensation.You should keep this offer. I said Even RBIO help me or not regarding this or they order doesn't provide single rupees as compensation,i would love to take that decision,because i want my OneCard back. Then I'll take this matter to consumer court because I want my OneCard back. Then they sent this email after a phone call.


Here what they sent.
"Regarding your recent query with ticket ID: 7101232, we understand your query about account closure.We sincerely apologize for the unexpected closure of your card account without your prior consent. We deeply regret any inconvenience or disruption this may have caused and truly empathize with the challenges this situation may have created in your financial activities. Please rest assured, this was never our intention.
We are fully committed to adhering to the guidelines the Reserve Bank of India (RBI) laid down. Ensuring compliance with these regulatory standards is our highest priority. We acknowledge the importance of transparency and customer consent in all account-related matters, and we deeply regret that this situation did not meet those expectations.
As informed over the call, we have investigated the case, and we regret to inform you that we currently do not have the provision to reactivate your OneCard account however we are ready to offer you an amazon voucher of INR 5000 as a service gesture and the same has been denied from your end. Hence we are unable to process any request for you"

In this case I'm ready to take 5k compensation & I'll ask them to give me a new credit card without deposit and the limit should match my highest credit limit with respect to other cards.

1.Should I send this...?
2.Should I escalate this matter to RBIO...?
(If they're not ready provide resolution by 26 Jan I'll file case)

I would suggest you to escalate the issue to RBIO. Because most likely scenario is even if escalation fails you will still get that 5k voucher. Meanwhile you send a big email to Onecard asking to give a new credit card with a limit of your choice and tell them that the compensation is secondary but mention it subtly. If they agree that means you can ask for both. Even at this time they don't agree means ask for bigger compensation. Remember they went from zero to 1k to 5k. It's just a matter of time to increase the compensation. All the best


Note.
When they call you next time sound angry and kind of impossible to deal with. Repeatedly ask for card reactivation and don't show interest in low compensation.

 

[Kushagra_]

#update
Hi Guys i sent them reminder 1 & reminder 2 emails and final reminder will be on 25 JANUARY to escalate this matter to RBIO. Earlier i said i want my OneCard back. Now they are coming now with new offer.
I replied thier escalation team On phone call that I want my OneCard back at any cost. He's asking about compensation part which i mentioned in earlier email give me compensation as max to max 1,00,000,how you wrote that compensation amount which rbi guidelines. Please give me which guidelines , blah blah. Then I said even when it's Bank faults, Bank now offered only 1k that also in the name of goodwill gesture. So I wrote Rs 50,000 as compensation & for mental harassment Rs 50,000.
He said no one will be able to give Rs5,000(5k Amazon voucher) compensation,even RBIO can't provide this much compensation.You should keep this offer. I said Even RBIO help me or not regarding this or they order doesn't provide single rupees as compensation,i would love to take that decision,because i want my OneCard back. Then I'll take this matter to consumer court because I want my OneCard back. Then they sent this email after a phone call.


Here what they sent.
"Regarding your recent query with ticket ID: 7101232, we understand your query about account closure.We sincerely apologize for the unexpected closure of your card account without your prior consent. We deeply regret any inconvenience or disruption this may have caused and truly empathize with the challenges this situation may have created in your financial activities. Please rest assured, this was never our intention.
We are fully committed to adhering to the guidelines the Reserve Bank of India (RBI) laid down. Ensuring compliance with these regulatory standards is our highest priority. We acknowledge the importance of transparency and customer consent in all account-related matters, and we deeply regret that this situation did not meet those expectations.
As informed over the call, we have investigated the case, and we regret to inform you that we currently do not have the provision to reactivate your OneCard account however we are ready to offer you an amazon voucher of INR 5000 as a service gesture and the same has been denied from your end. Hence we are unable to process any request for you"

In this case I'm ready to take 5k compensation & I'll ask them to give me a new credit card without deposit and the limit should match my highest credit limit with respect to other cards.

1.Should I send this...?
2.Should I escalate this matter to RBIO...?
(If they're not ready provide resolution by 26 Jan I'll file case)

No don't even think of taking the 5k

It's like they are trying one last time if you'll be okay with 5k voucher and they'll be happy if you say yes

The call center agent who was being extra smart by cancelling your card without consent is the one who needs to be punished by the company for acting extra smart but they're least bothered by it so they need to be taught the lesson

 

[Salman925492]

I'll send this draft to both OneCard and sbm bank.
Please give any suggestions,I'll Update any information need to add in this email because it'll be last email from my side.

Subject: Urgent: Re: Account Closure - Ticket ID: 7101232
Dear SBM Bank India Ltd.,
This email constitutes my final reminder regarding the unexpected closure of my OneCard account (Ticket ID: 7101232). I have previously sent reminders on January 18th and 21st, with no satisfactory resolution received.
I reiterate my primary request: The immediate reinstatement of my OneCard credit card. I am not interested in the offered Amazon voucher and consider it an inadequate resolution.

Please note the following possible scenarios:

Case 1: No Resolution by 26th January 2025, 12:00 PM:
* I will file a formal complaint with the Reserve Bank of India (RBI) regarding the unauthorized closure of my account and the subsequent lack of a satisfactory resolution.
* I understand that the RBI may determine appropriate actions, including but not limited to:
* Directing the reinstatement of my OneCard.
* Imposing penalties on SBM Bank India Ltd.
* Determining appropriate compensation.
* I prioritize the reinstatement of my OneCard and consider any compensation is secondary.

Case 2: Reinstatement of OneCard without Conditions:
* I request the immediate reinstatement of my OneCard credit card without any conditions, such as fixed deposits.
* The credit limit should be reinstated to a level comparable to my highest credit limits with other banks.
* I will not accept any compensation under this scenario.

Case 3: Reinstatement of OneCard with Acceptable Compensation:
* I request the immediate reinstatement of my OneCard credit card.
* I am willing to accept a substantial compensation amount (as previously communicated) for the inconvenience, mental anguish, time lost, and harassment caused by the unauthorized account closure.

I emphasize that I am not interested in further negotiations or alternative offers. My primary objective is the reinstatement of my OneCard.

I expect a prompt and definitive response to this email by 26th January 2025, 12:00 PM. Any response received after this deadline will not be considered, and I will proceed with filing the RBI complaint as outlined in Case 1.
Sincerely,

 

[Salman925492]

I'll send this draft to both OneCard and sbm bank.
Please give any suggestions,I'll Update any information need to add in this email because it'll be last email from my side.

Subject: Urgent: Re: Account Closure - Ticket ID: 7101232
Dear SBM Bank India Ltd.,
This email constitutes my final reminder regarding the unexpected closure of my OneCard account (Ticket ID: 7101232). I have previously sent reminders on January 18th and 21st, with no satisfactory resolution received.
I reiterate my primary request: The immediate reinstatement of my OneCard credit card. I am not interested in the offered Amazon voucher and consider it an inadequate resolution.

Please note the following possible scenarios:

Case 1: No Resolution by 26th January 2025, 12:00 PM:
* I will file a formal complaint with the Reserve Bank of India (RBI) regarding the unauthorized closure of my account and the subsequent lack of a satisfactory resolution.
* I understand that the RBI may determine appropriate actions, including but not limited to:
* Directing the reinstatement of my OneCard.
* Imposing penalties on SBM Bank India Ltd.
* Determining appropriate compensation.
* I prioritize the reinstatement of my OneCard and consider any compensation is secondary.

Case 2: Reinstatement of OneCard without Conditions:
* I request the immediate reinstatement of my OneCard credit card without any conditions, such as fixed deposits.
* The credit limit should be reinstated to a level comparable to my highest credit limits with other banks.
* I will not accept any compensation under this scenario.

Case 3: Reinstatement of OneCard with Acceptable Compensation:
* I request the immediate reinstatement of my OneCard credit card.
* I am willing to accept a substantial compensation amount (as previously communicated) for the inconvenience, mental anguish, time lost, and harassment caused by the unauthorized account closure.

I emphasize that I am not interested in further negotiations or alternative offers. My primary objective is the reinstatement of my OneCard.

I expect a prompt and definitive response to this email by 26th January 2025, 12:00 PM. Any response received after this deadline will not be considered, and I will proceed with filing the RBI complaint as outlined in Case 1.
Sincerely,

#Update

They replied to above email.
Infact they replied within 17 Minutes 🤣🤣🤣.
Here it's what they said.

 

[Kushagra_]

#Update

They replied to above email.
Infact they replied within 17 Minutes 🤣🤣🤣.
Here it's what they said.

Just say you'll be moving forward with complain to RBI due to no resolution being provided and an unsatisfactory 5000 voucher being given for their own mistakes and one arrogant call center agent

 

[sunit123]

Better to have one in hand than to have 2 in bush....You will not get anything from RBI...Bank will share proof that they offered you compensation of 5k but you refused and you were blackmailing the bank...

Take GV and request the bank to issue the card again after cooling period of 3 months (take it in writing)...Sometimes showing too much over-smartness may cause loss.

 

[Kushagra_]

Better to have one in hand than to have 2 in bush....You will not get anything from RBI...Bank will share proof that they offered you compensation of 5k but you refused and you were blackmailing the bank...

Take GV and request the bank to issue the card again after cooling period of 3 months (take it in writing)...Sometimes showing too much over-smartness may cause loss.

but here wasn't it the call center agent showing too much over-smartness, and getting no repercussions for it

 

[sunit123]

but here wasn't it the call center agent showing too much over-smartness, and getting no repercussions for it

Bro...these are 3rd party agencies with attrition as high 30%..everyone try to save their job when in trouble....I have bigger cases of fraud in my account where banks didn't took any action against its employee.....Mark my words nothing will happen....Till RBI will decide, this employee would have left the job by himself....

Intelligence is to take GV and request bank to re-issue card after 90 days

 

[Kushagra_]

Bro...these are 3rd party agencies with attrition as high 30%..everyone try to save their job when in trouble....I have bigger cases of fraud in my account where banks didn't took any action against its employee.....Mark my words nothing will happen....Till RBI will decide, this employee would have left the job by himself....

Intelligence is to take GV and request bank to re-issue card after 90 days

But yaar ye aise hi chalta hai kuch nahi badlega vaali soch ki vajah se toh kuch nahi hota
Hum sahi ke liye hi nahi khadey hongey toh kuch kaise hi hoga na

 

[sunit123]

But yaar ye aise hi chalta hai kuch nahi badlega vaali soch ki vajah se toh kuch nahi hota
Hum sahi ke liye hi nahi khadey hongey toh kuch kaise hi hoga na

Pehle Main bhi aisa hii sochta thaa...Fir, system ne meri soch badal di

 

[Kushagra_]

Pehle Main bhi aisa hii sochta thaa...Fir, system ne meri soch badal di

Haaan yaaar meri soch bhi change hoti rehti hai but Mai by default thoda rebellious hoon toh ghum fir ke vapas aa jata hoon

I want to even change how democracy and the government works in our country even if it means making a party of smart people and taking those positions which will let us improve things

 

[sunit123]

Haaan yaaar meri soch bhi change hoti rehti hai but Mai by default thoda rebellious hoon toh ghum fir ke vapas aa jata hoon

I want to even change how democracy and the government works in our country even if it means making a party of smart people and taking those positions which will let us improve things

To change the system people should be willing to change...Whatever BEST efforts you make, if people are unwilling to change, nothing will change.

By the way, if you decide to go ahead with a political party then count me in 🙂