PNB gone bonkers!

[Finchamp!]

One fine morning, I wrote the following mail to PNB Credit card team (along with supporting documents) -

****

Dear Sir,

I, **** (Finchamp! - for convenience 😎), am the owner of PNB Rupay Select Credit Card: *************, and I would like to apply for an add-on card for my wife, Mrs. Finchamp!. Her add-on application form, and KYC Documents, have been appended herewith for consideration.

Kindly take cognizance of the same, and proceed to issue the requisite add-on card.

Regards,
Finchamp!



to which, the PNB Team, replied as under -

"
Dear Customer,
Greetings from PNB Global credit card,
This is in reference to your E-mail dated 09-10-2024
We have taken note of your address change request and the same has been forwarded to the concerned department.
Your Reference number for the request/complaint is. E09102479436
In case you require any further assistance, please feel free to call our Toll-free No. 1800-180 -2345 or Paid NO.0120-4616200.
Our phone banker will be glad to assist you.
We assure you best services at all times.
Note: - Please send all your request only through your registered e-mail id. If your email id not registered, kindly register the same through helpline number from registered contact number.
Warm Regards
Manager-Customer Services (MP).
Please use "PNB Genie" app for all your credit card related requirements.
"

I think I should have requested for address change to get an add-on card for my wife. My bad, I guess! 🙁

 

[ujjwal2024]

One fine morning, I wrote the following mail to PNB Credit card team (along with supporting documents) -

****

Dear Sir,

I, **** (Finchamp! - for convenience 😎), am the owner of PNB Rupay Select Credit Card: *************, and I would like to apply for an add-on card for my wife, Mrs. Finchamp!. Her add-on application form, and KYC Documents, have been appended herewith for consideration.

Kindly take cognizance of the same, and proceed to issue the requisite add-on card.

Regards,
Finchamp!



to which, the PNB Team, replied as under -

"
Dear Customer,
Greetings from PNB Global credit card,
This is in reference to your E-mail dated 09-10-2024
We have taken note of your address change request and the same has been forwarded to the concerned department.
Your Reference number for the request/complaint is. E09102479436
In case you require any further assistance, please feel free to call our Toll-free No. 1800-180 -2345 or Paid NO.0120-4616200.
Our phone banker will be glad to assist you.
We assure you best services at all times.
Note: - Please send all your request only through your registered e-mail id. If your email id not registered, kindly register the same through helpline number from registered contact number.
Warm Regards
Manager-Customer Services (MP).
Please use "PNB Genie" app for all your credit card related requirements.
"

I think I should have requested for address change to get an add-on card for my wife. My bad, I guess! 🙁

really pathetic and disheartening...customer are is becoming a joke...I had similar experiences with IDFC, AU SFB, SBI, RBL...
RBL and SBI one is something like this

 

[RAMESH BABU N]

Probably, the result of OUTSOURCING.

Those 3rd party outsourced service providers employing those who can't READ, UNDERSTAND n COMPREHEND simple communication in English.

And, can't WRITE, RELEVANT, LOGICAL n APPROPRIATE answers, in simple English.

Sad, but true, with almost all banks n their CC/MF/Insurance/Trading subsidiaries.

 

[Finchamp!]

No

really pathetic and disheartening...customer are is becoming a joke...I had similar experiences with IDFC, AU SFB, SBI, RBL...
RBL and SBI one is something like this

No exp. with SBI but insofar as RBL goes, I concur!

 

[Finchamp!]

Probably, the result of OUTSOURCING.

Those 3rd party outsourced service providers employing those who can't READ, UNDERSTAND n COMPREHEND simple communication in English.

And, can't WRITE, RELEVANT, LOGICAL n APPROPRIATE answers, in simple English.

Sad, but true, with almost all banks n their CC/MF/Insurance/Trading subsidiaries.

But these banks will have to learn about opportunity cost! What good is cost-cutting through outsourcing, when the same could compel customers to leave.

 

[mgforce]

Probably, the result of OUTSOURCING.

Guess, outsourcing done to L1 vendor without checking for employee qualifications / due diligence.

 

[RAMESH BABU N]

Guess, outsourcing done to L1 vendor without checking for employee qualifications / due diligence.

Today, almost everyone is a BE/BTech (and a majority of them also with MBA).

It's an altogether different matter if many of them can't even write a joining letter (reporting to duty) on a white paper, without a format or access to Google.

Many can't write a simple leave letter (in English), can't speak 10 sentences (in English) but drawing salary in lakhs.
Why talk about qualifications ?

It is their TRAINING which is lopsided n faulty. So, are their TEMPLATES. The 2nd level of (approving all outgoing emails) support staff are to be held accountable. Return feedback is not given due importance or totally ignored as a tool for improving the overall quality.

 

[Finchamp!]

Today, almost everyone is a BE/BTech (and a majority of them also with MBA).

It's an altogether different matter if many of them can't even write a joining letter (reporting to duty) on a white paper, without a format or access to Google.

Many can't write a simple leave letter (in English), can't speak 10 sentences (in English) but drawing salary in lakhs.
Why talk about qualifications ?

It is their TRAINING which is lopsided n faulty. So, are their TEMPLATES. The 2nd level of (approving all outgoing emails) support staff are to be held accountable. Return feedback is not given due importance or totally ignored as a tool for improving the overall quality.

I agree sir! Qualification and merit have lost co-relation.

 

[iimadarsh]

True. Yesterday I noticed a strange thing. I fetched my new CIBIL report today and when I looked at the accounts, I found that PNB has shown two accounts for a single card. I don't know what kind of system they have.

 

[imdjay]

Guess, outsourcing done to L1 vendor without checking for employee qualifications / due diligence.

It's because the old bankers made crores from public money by engaging in corruption and illegal activities. Now, the bank has to outsource the work.