RBI complaint on Standard Chartered Bank

[sjmajumder]

Not sure why they started dates only from April 26. Can someone throw the light...

Probably because the compensation framework came into force on 26-April-2024.

 

[sjmajumder]

Yes, still no response from the bank.

Is the RBI complaint open or closed? Have you received the 15800 in your account.

As per my knowledge, once an order is given nothing can be done unless it was closed under appealable clause. You have to go to court.

 

[TrueColours]

 

[vijay.vj]

What if we don't complain on double enquiry in cibil?

Just want to know for the information.

Its obvious... isn't it...

Without RBI, no one can deal with SCB...

 

[vijay.vj]

Is the RBI complaint open or closed? Have you received the 15800 in your account.

As per my knowledge, once an order is given nothing can be done unless it was closed under appealable clause. You have to go to court.

I received amount on very same day on which SCB agreed on compensation. Further details, were received from RBI side.... the exact calculation and stuff..

Complaint is open... based on past experience its gonna take a while before they formally close.
RBI just asked me to respond within a day if I have any objection, which I did.

 

[vaibhav111vaibhav111 is verified member.]

So I'm sending this email to
Head.Service@sc.com, Principal.NodalOfficer@sc.com

Dear Standard chartered Bank

I hope this message finds you well.

I am writing to request the removal of an additional CIBIL inquiry associated with my recent application for a sandal chartered. My application number is INxxxxxxxx, and I applied on 28th October, last 4 digit XXXX.

I would appreciate it if you could remove the additional inquiry from my CIBIL report, as it may negatively impact my credit score.

Thank you for your assistance in this matter. Please let me know if you require any further information from my side.

Best regards,

Vaibhav xxxxx
91 mobile number
Email address
@vijay.vj anything else I should add??

 

[vijay.vj]

So I'm sending this email to
Head.Service@sc.com, Principal.NodalOfficer@sc.com

Dear Standard chartered Bank

I hope this message finds you well.

I am writing to request the removal of an additional CIBIL inquiry associated with my recent application for a sandal chartered. My application number is INxxxxxxxx, and I applied on 28th October, last 4 digit XXXX.

I would appreciate it if you could remove the additional inquiry from my CIBIL report, as it may negatively impact my credit score.

Thank you for your assistance in this matter. Please let me know if you require any further information from my side.

Best regards,

Vaibhav xxxxx
91 mobile number
Email address
@vijay.vj anything else I should add??

Make sure you attach a recent CIBIL report.

Send an email, they hardly ever respond. So sleep for a while, then file a case with RBI and get the compensation. The more you wait, the larger the refund.

 

[akshayhs]

@akshayhs

Standard Chapri Bank

 

[sjmajumder]

So I'm sending this email to
Head.Service@sc.com, Principal.NodalOfficer@sc.com

Dear Standard chartered Bank

I hope this message finds you well.

I am writing to request the removal of an additional CIBIL inquiry associated with my recent application for a sandal chartered. My application number is INxxxxxxxx, and I applied on 28th October, last 4 digit XXXX.

I would appreciate it if you could remove the additional inquiry from my CIBIL report, as it may negatively impact my credit score.

Thank you for your assistance in this matter. Please let me know if you require any further information from my side.

Best regards,

Vaibhav xxxxx
91 mobile number
Email address
@vijay.vj anything else I should add??

Mention the enquiry date(s), CIBIL report control number and date. Attach the CIBIL report.

I can understand your anger against SCB but if you call them "Sandal Chartetered" in your mail they will definitely not remove the duplicate enquiry, may even make an additional enquiry 🤣🤣🤣

 

[talkwithfino]

Mention the enquiry date(s), CIBIL report control number and date. Attach the CIBIL report.

I can understand your anger against SCB but if you call them "Sandal Chartetered" in your mail they will definitely not remove the duplicate enquiry, may even make an additional enquiry 🤣🤣🤣

even better for @vaibhav111 . He can get additional compensation for that additional query 😂

 

[sjmajumder]

even better for @vaibhav111 . He can get additional compensation for that additional query 😂

Not necessarily. Using the compensation framework, bank can harass customers legitimately

1. Make a CIBIL enquiry
2. Infinite loop
   1. On receiving complaint, get it removed within 30 days
   2. Make another CIBIL query

P.S. good for you guys, I don't work for SCB 😀 😀

 

[vijay.vj]

Not necessarily. Using the compensation framework, bank can harass customers legitimately

1. Make a CIBIL enquiry
2. Infinite loop
   1. On receiving complaint, get it removed within 30 days
   2. Make another CIBIL query

P.S. good for you guys, I don't work for SCB 😀 😀

I'm damm sure that bank can't do CIBIL enquiry without customer consent... double enquiry is different thing tho...

TBH, bank can do pretty much anything and its hard to make it do anything

 

[Dr Rahul Jaic Sam]

I'm damm sure that bank can't do CIBIL enquiry without customer consent... double enquiry is different thing tho...

TBH, bank can do pretty much anything and its hard to make it do anything

Bank checks your cibil when you apply for Loan/cards. They do not do this on adhoc basis. This is what I have heard.

 

[vijay.vj]

Bank checks your cibil when you apply for Loan/cards. They do not do this on adhoc basis. This is what I have heard.

You are yet to see the magic of SC and even worse SBI.

You apply for card in Jan, there will be CIBIL enquiry is Jan.
Your application will still remain open, there will be CIBIL enquiry in Feb, March followed by card rejection or approval.

 

[vaibhav111vaibhav111 is verified member.]

No fyf or ltf mentioned anywhere

 

[sjmajumder]

View attachment 73613
No fyf or ltf mentioned anywhere

It's been ages when LTF/FYF used to be mentioned in the welcome letter. You need to call/email customer care and confirm. Preferred is email as you can keep the same for future reference.

 

[dnp71]

View attachment 73613
No fyf or ltf mentioned anywhere

Is this card worth taking ?

 

[vaibhav111vaibhav111 is verified member.]

Is this card worth taking ?

I don't think so if it really ltf as per agents then may be if you are self employed namaste couldn't get scb card before

 

[dnp71]

I don't think so if it really ltf as per agents then may be if you are self employed namaste couldn't get scb card before

I'm salaried and
Somehow taken this and it's delivered but
I'm not sure to activate it.
I don't see any benefit of using it.

 

[vaibhav111vaibhav111 is verified member.]

I'm salaried and
Somehow taken this and it's delivered but
I'm not sure to activate it.
I don't see any benefit of using it.

why not to activate?? Any specific reason the card is entry level cc though so can't expect much.