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RBIO: How Bank Tries to Deceive the BO
- Thread starter sjmajumder
- Start date
- Replies 40
- Views 824
One of the main problems with RBIO is that their communication is only behind the scenes. Even for compensation the Bank calls you/ emails you and tells that they have been told by the RBIO to compensate 'abc' amount.
Why can't RBIO just write email to Customer, notifying him of the compensation awarded by the Office.
Basil Baby0729
TF Buzz
Same issue happened to me now? Also the complaint was closed with a non appealable clause.
What to do next?
Can we escalate complaint to deputy governor of rbi?
At the end of closure mail they have asked for feedback.. Will my feedback be of any use?
In my case the bank denied my chargeback request and in the comments given to rbi the bank told that chargeback was not denied. I did a mistake by not attaching the required proofs.
What to do next? When i called them they said please escalate your issues to consumer court if thats the case then why is RBIO even there.
@sjmajumder . I did complaint against axis regarding reward points so now I did Received the reward points but in the closure letter from RBIO they mentioned that reward points have been credited along with ₹30,000 compensation but I have not received any compensation credit on the card? How to reopen stating that the bank did not give me any compensation? Can we reply on the closure letter email?
First check with Bank PNO. If they don't respond you can make a new complaint.
Sir I got the reply of my compliant against IDFC from BO
Should I attached Non objection certificate with along with Cibil report as proof/Evidence where no any late payment against my loan account.
But idfc rejects the application everytime by saying that there is late payment in your account
Please read it
Email from BO
uery: Credit card application rejection related Bank’s Submission: • We affirm that the bank uses a system-driven automated underwriting process that is based on certain rules and eligibility criteria on a non-discriminatory basis. • After receipt of the application, we also undertake verification of the details provided by the applicant, including the addresses provided. • On-boarding a customer by extending the facility of the credit card and establishing a relationship is considered based on several other parameters, such as his or her demographics, track record, credit reports from credit information companies, repayment capacity, etc. • It is submitted that the above-mentioned customer applied for the credit card facility from the bank on December 27, 2024, via his application number 04290679. • The application was evaluated in accordance with the bank's internal credit procedures. • However, upon evaluation of the application, we have observed that the customer has historical delinquency on RC Asset with account number 25894. Hence, we have declined his credit card application. • A copy of an email sent to the customer in this regard is attached for your kind perusal. In light of the aforementioned facts, we request that you consider this issue resolved and dealt with by IDFC FIRST Bank Ltd. Attachments: - Email response sent to customer - Credit card application form copy - SMS comm logs
You are requested to revert within three days against the above submission by the bank, failing which your complaint will be closed. You are further requested to share any evidence which you may have to counter the bank's claim and/or substantiate the complaint.
NOC will not work as IDFC is not supposed to check your NOC, they will act based on your CIBIL only. Getting any issues in your CIBIL corrected is your responsibility. If the delinquency stated by IDFC is not there in your CIBIL report highlight that.
Yes sir My Cibil report is clean there is no a single late payment against to above loan account no .
So should I send full Cibil or some pages of cibil where my name or idfc account no shown
F u ll
I replied to BO email within three days
I attached my cibil report and NOC
But today I saw the status of Complaint I got this
What may be the reason
Attachments
What is the closure date? You would have received a closure email in your registered email id.
Yesterday I checked compliant was opened and today I checked it's closed
I did not recieved any email from BO or Bank regarding closure.
I recieved email from BO Dehradun on 31-03-2025 time 12 30 PM
I replied on 2 April 2025
Today it's closed
Seems like they didn't read your mail. You can write to CRPC by attaching proof of your response within stipulated timeline and asking for reason for closure without considering your response. If you don't get a satisfactory response you can complaint to CPGRAMS or go to consumer court.
Yes you are right sir They could not read my email
Please provide the email id of CRPC
I will email them
Thank you Sir
Hi @sjmajumder and @TechnoFino dada, I need your guidance for complaining to RBIO against IDFC. Writing here as there is no option to DM @sjmajumder .
Hierarchy as below:
1. I was trying to get IDFC CC since 2022, but everytime received error 'sorry we can't proceed' even before displaying card selection page followed by a rejection SMS. So this time, I made my mind to dig in for the issue with the PNO.
2. Received response from IDFC PNO
3. Mailed PNO twice including a reminder mail, but no responce till date.
Note: My Cibil score was then 780 and now 800 with NIL history of Late Payments. I attached full Cibil reports of Jan & Feb 25 with the mails. Also do note, I used to hold a Flipkart Pay Later a/c powered by IDFC marking consumer loan in Cibil report, which I haven't used since last 1+ year and I have closed this Pay Later a/c during these mail communications, received NOC from them and also currently marked Closed in Cibil.
Your guidance to raise RBIO escalation will be of immense help. Thank you in advance.
Hierarchy as below:
1. I was trying to get IDFC CC since 2022, but everytime received error 'sorry we can't proceed' even before displaying card selection page followed by a rejection SMS. So this time, I made my mind to dig in for the issue with the PNO.
2. Received response from IDFC PNO
3. Mailed PNO twice including a reminder mail, but no responce till date.
Note: My Cibil score was then 780 and now 800 with NIL history of Late Payments. I attached full Cibil reports of Jan & Feb 25 with the mails. Also do note, I used to hold a Flipkart Pay Later a/c powered by IDFC marking consumer loan in Cibil report, which I haven't used since last 1+ year and I have closed this Pay Later a/c during these mail communications, received NOC from them and also currently marked Closed in Cibil.
Your guidance to raise RBIO escalation will be of immense help. Thank you in advance.
Bhai ye same problems mere sath thi mene bhi flipkart paylater use Kiya tha 2020 me or 2022 se apply karraha hu same yahi error ata tha or puchne par same yahi email mene ab thak kar 28 jan ko RBI me complaint kari apni Cibil report bhi attached kari par RBI ne compliant closed kardi.
Recieved email today from RBIO
Please refer to your captioned complaint filed with our office. We have carefully examined the captioned complaint and our observations are given here under.
2. Approval and sanction of a credit facility, including a credit card is the outcome of an internal process of a Regulated Entity (RE). These are commercial judgement of the RE and depend upon multiple factors like credit history, income level, stability of income, customer profile etc. Non-sanction of a credit therefore cannot be termed as a deficiency in the services provided by the RE. In the extant case the application was rejected as it did not meet the internal norms of the RE. The complaint is therefore non-maintainable and is rejected.
3. In view of the above, we are constrained to classify your complaint as non-maintainable and close it under Clause 16(1)(a)10(1)(a) of the Reserve Bank - Integrated Ombudsman Scheme, 2021 (RB-IOS), which stipulates the following:
Bro, it's true CC approval & issuance are in the hands of banks & not monitored by RBIO. But the fact here is IDFC is claiming historic deliquency aka late payments that too without any solid evidence and customer has every right to raise this as defamation & mental harassment claiming good amount of compensation.
But RBIO closed that how can I claim for compensation realy I did not want idfc card but I lodged the compliant becouse I wanted compensation for the mental harassment
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