RBIO: How Bank Tries to Deceive the BO

[sjmajumder]

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.
View attachment 89525

2. Received response from IDFC PNO
View attachment 89526

3. Mailed PNO twice including a reminder mail, but no responce till date.
View attachment 89527

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.

Are you absolutely sure that there is no history of late payment anywhere in your CIBIL report? If yes you can go ahead and log a complaint with RBIO stating False/Fake reason provided for CC application rejection and demand a compensation for violation of RBI guidelines. Provide your latest CIBIL report as proof of no history of delinquency and quote RBI clause 6(a)i from Master Direction.