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Hello Everyone,
Following Threads detail on the Support System of Banks to raise Complaints.
This thread aims to give a practical picture of ( but not limited to ), how Banks support system actually work, what is generally the TAT, do queries actually get resolved at Lvl 1/2 or is there a need to escalate? While it's true that the PNO Desk generally refers to the Desk of VP/ SVP, and one might have high hopes of emailing them and getting complaints resolved; there have been cases where people have had hard time with the PNO Desk and had to eventually knock on the Door of the RBI.

The SC Bank CC Ltf issue ( with the Bank's PNO Desk themselves not acknowledging the offer on their Bank's own Website )Link for SC Cc Case , the Icici CC Annual Fees Issue/ changing of MITC without prior intimation Icici charged Fees/ changed MITC and Hdfc not reversing Gst in few cases (Millenia Redemption charges), charging Insta Alerts charges to Savings Max customers Hdfc Insta Alerts Charges are some of the known complaints on this forum.

Please share your own Authentic experiences in this thread.
  • Try to fit all the content in one 'reply' if possible
  • Only genuine Experiences (over email/ telecon) with screenshot/ any other proofs will be considered
  • Be cautious and hide whatever you deem as your Personal Information before sharing any proofs/ screenshots over here.


    Disclaimer :
    The views, opinions, and experiences expressed in this thread are those of the individual contributors and do not necessarily reflect the views or opinions of Technofino Community or its founders/ mods/ creator of this Thread. This thread is intended for informational and sharing purposes only.
    Technofino Community does not endorse or validate any claims made here and assumes no responsibility for the accuracy, completeness, or legality of any information posted. While certain information contained in this message have been taken from sources that are believed to be accurate, no warranty or representation is made as to its correctness, completeness or accuracy.
 
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Apply For LTF AU LIT Credit Card
Sharing my experience with SBI, Jadavpur University Branch, Kolkata:

I had a tough 10 years journey with SBI for my Home Loan. (Repost from here)

1. I did not check anything for the insurance option and they very conveniently added SBI RINN RAKSHA to my loan. When I refused to take it they said the loan offer will be cancelled if I don't take it and I have to make a fresh application. I was living in Mumbai at that time and came down to Kolkata just for the loan and going back and coming again would have cost nearly the same so I decided to go ahead with it. SBI earned 35K from me by selling an insurance I didn't need and didn't opt for. This is ROBBERY in broad daylight. My only mistake I didn't check "not required".

2. I opted for MaxGain (I DID check the box) but still they opened normal loan account. I didn't understand and put all money from my various accounts into the loan account but when I tried to withdraw I couldn't. Then on contacting branch official I came to know they had opened normal loan account and there is no way to withdraw the excess amount paid. I landed into a big financial trouble with no money available with me.

3. I asked them to convert it to MaxGain. First they refused. Then I reached out to AGM in RACPC, he said it can be done only if I had ticked the MaxGain option in my original application. They took about a month to check the documents which was lying in their own document locker and finally confirmed that I had indeed ticked the option.

4. They asked for Rs. 1000 as conversion fee. I refused to pay because it was their fault. They kept sending me letters for 3 months. I kept replying on email. Finally after 3 months got a letter stating the charges has been waived.

5. Even after converting to MaxGain I was not able to withdraw. Learnt from branch official that I have to make a separate written application to enable transactions. Again the situation was urgent for me to withdraw some money. I spent 350 bucks and couriered the application through BlueDart so that they get it next day. But this branch official was so casual he simply told me courier not received in spite of me sending him the POD. I had to call up branch AGM and he called that person and I could hear him saying out loud to the AGM that I am troubling him by calling him repeatedly. Just imagine the audacity an officer has to speak like that against a customer who is suffering because of his poor service and that too to his AGM. Anyways, finally with the AGM's intervention the matter was resolved that day.

6. Next few years went smoothly but again faced an issue when converted it from MCLR to EBLR. Submitted cheque of 5K (fees) along with application. The cheque was cashed by SBI and in addition to that they debited my HL account for Rs. 11800. I kept on calling and mailing but nobody reverted for more than a month. Finally I complained to CPGRAMS and then they reversed on getting letter from the Ministry of Finance, GoI.

7. It was over a month which meant some amount of interest paid. I asked them to credit the same to my account but again no response and again CPGRAMS complaint and action after getting letter from the Ministry of Finance, GoI.

8. After such an eventful 10 years finally I received SMS asking me to visit branch and close the account as loan recovered. I went to the branch and they asked me to give an application. After submitting application they said it has to be verified from RACPC and then account will be closed. It will take 30-45 minutes. Although I didn't understand what needs to be verified as branch handles financial transactions and RACPC maintains documents and account was clearly showing 0 balance, I went back after 1 hour and waited for another before I lost my cool. I started by telling the lady my journey so far and she had the audacity to tell me you have resolved all your problems by closing the account. Just bear with us for some more time. On hearing this I lost my temper and shouted for the next 30 minutes till I got my NOC. On my way out entered the Chief Manager's cabin (10 years back it used to be AGM's cabin) and lent him a piece of my mind. He listened to me quietly and didn't say a word. I left.

9. Went to RACPC with the NOC to collect my deed and other documents. The person checked in his system and told me Rinn Raksha account is not closed. I told him it's zero balance but he said it needs to be closed before he can give me back my documents. I asked him what to do? He gave me a number to call the branch. I called but there was no answer, then he tried still no answer. Then I asked for the Chief Manager's number. He hesitated at first but then I told him my experience in the branch the previous day and that I will start shouting here too if he didn't give me the number. Then he finally gave the number and when I dialed, I was surprised to find that the number was already saved in my mobile as AGM's number from 10 years back. He didn't pick up the phone, and kept disconnecting. I messaged on WhatsApp and this time for the the time ever I got some support. He got the account closed in next 5 minutes and I got my documents back.

*** End of a Pathetic Banking Journey ***
 
Apply For LTF HDFC Swiggy Credit Card
Sharing my experience with HDFC Bank, Baghajatin Station Road Branch, Kolkata:

I have a wonderful experience with HDFC. (Repost from here)

Got LTF some card 15+ years back which was later converted to moneyback card around 10+ years back. Been requesting for upgrade to LTF Regalia since 2020 - always rejected and offered paid Regalia.

Finally in 2022 I cancelled the moneyback card, even then they didn't offer LTF Regalia not even for retention of 15 year old customer. 3 months later I applied LTF Regalia and got immediate approval with 8L limit.

Asked cc for addon card for my wife but was told have to go to branch as she does not have account in HDFC bank. And this is where the most beautiful journey started. Below is the mail I wrote to the CEO of HDFC bank (names of officials changed).

------------------------------------------------------------------------------------------------------------------------------------------------------------------
This is to complaint against the branch manager Ms. BM and Mr. XYZ of your Baghajatin Station Road Branch, Kolkata 700086.
  1. Branch manager Ms. BM gave me wrong information and sent me back
  2. Branch manager Ms. BM lied and denied about sending me back on the first day after giving me wrong information
  3. Mr. XYZ handed over my addon card application along with ID and address proof (self-attested Aadhaar card and PAN card copy) to someone who left all those documents unattended in a public place (ATM booth of your UN Brahmachari Street Branch)
Day – 1: I went to your Baghajatin Station Road branch and met Ms. BM and told her I want to apply for an add-on credit card for my wife. She sent me back saying that if my wife does not have an HDFC Bank savings account then she can’t get an addon credit card. I returned home and checked with customer care and they told me I can visit any branch and apply for addon credit card – this is the same info that I got on your website earlier and that is why I visited the branch in the first place.

Day – 2 (31st Jan): I went back to the branch and met Ms. BM again and told her what customer care told me. After hearing what customer care said, she gave me the number of Mr. ABC and asked me to contact him. Mr. ABC sent me the add-on card application form and asked me to fill it and submit it along with ID and address proof in your Baghajatin Station Road branch.

Day – 3 (2nd Feb): I handed over the application along with ID and address proof to Mr. XYZ in your Baghajatin Station Road branch and requested him to coordinate with Mr. ABC.

Day – 4 (7th Feb): Yesterday I got a call from your U N Brahmachari Street branch saying they found an unattended document (my add-on card application along with self-attested ID and address proof) lying in their ATM booth. I immediately called up Mr. ABC and asked him to collect the same which he did and later confirmed that he has couriered the same to your card center.

Day – 5 (8th Feb): Today morning I went back to the Baghajatin Station Road branch to enquire how they could be so irresponsible so as to leave my documents which contained sensitive information in open public place. It could have been picked up by anyone and could have been misused causing severe financial damage to me and your bank. I was not happy with the response I was getting from Mr. XYZ and we got into a heated argument. At this point Ms. BM came out of her cabin and asked Mr. XYZ to do the most weird thing – raise a complaint against U N Brahmachari Street branch. Is this how she is going to cover up the lapse on her part? Her representative left the documents in public place and she is going to blame it on someone else? She also blatantly lied about the fact that she sent me back on the first day with wrong information and said that she was trying to help me by giving me Mr. ABC’s number. She intentionally skipped the part that it was on day 2 that she gave me the number of Mr. ABC when I went back and told her what customer care said.

Is this how your senior officials like branch managers treat your customers?

Is this how your bank treats confidential documents of customers?

Request you to take disciplinary action against Ms. BM and Mr. XYZ and keep me posted on the same.
------------------------------------------------------------------------------------------------------------------------------------------------------------------

I got a call back same day late evening from Nodal Officer. He apologized earnestly for the lapse of service and provided his number. Asked me to call him directly if I ever face any issue in the future. I insisted on a written apology. He said he will instruct BM to send the same. Next day I got call from the BM. She wanted to come down to my home to apologize, incidentally she didn't have my address and was asking me where I lived. I knew meeting her at home won't be professional so I said I don't meet anyone at home and since currently it is WFH for us can't meet at office either. I was surprised that still she didn't ask me to visit branch and kept on insisting to come down and meet me. I told her that meeting is not required but I want a written apology to which she finally agreed and sent me below mail (names and contact information changed):


------------------------------------------------------------------------------------------------------------------------------------------------------------------
Dear Sir,

Greetings from HDFC Bank. Hope this mail finds you and your family in good health.

This is in reference to your recent communication with our bank pertaining to service related issues.

We would like to apologies for the inconvenience that has been caused to you.

Senior officials have taken a serious note of your feedback and we have installed measures to ensure that this does not recur in the future.

We also understand that our branch staff XYZ has contacted you to inform you of the measures that have been taken.

We request you to treat this instance as an exception to the quality of service we provide and look forward to your continue patronage in the future.

Should you have any further concerns on the same issue, kindly write back to us from the same email ID and quote the reference number mentioned above.

If you are not satisfied with the resolution, you may write to our senior management, Mr PP at pp@hdfcbank.com.

Regards
BM
Branch Manager
Baghajatin Station Road Branch
HDFC BANK LTD
EMAIL ID--BM@hdfcbank.com
Ph No.--XXXX
_________________________
Supervisor Name: PP
Supervisor Email: PP@hdfcbank.com
------------------------------------------------------------------------------------------------------------------------------------------------------------------
 
AUSFB - Credit card misselling by the branch employee
W

Thread 'AUSFB - Credit card misselling by the branch employee'

I have a zero balance account in AU Small Finance Bank (AUSFB). I use it as an emergency fund account.

I received a call from a branch employee on 01-July-2024 offering me a pre-approved credit card, AU Altura. He had assured me over the call that it is a lifetime free (LTF) credit card with no charges. I applied for the card through him.
The card was approved on 01-Aug-2024 (after one month) and I received the card on 02-Aug-2024. However, in the joining letter it showed both joining and annual charges of Rs 199+GST.

I immediately filed a...
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Bandhan Bank - NPCI and RBI guidelines violation
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Thread 'Bandhan Bank - NPCI and RBI guidelines violation'

I had opened a savings account in Bandhan Bank (Rs 5000 AMB). I had opened it just to keep extra money there and to link it to my stockbroker. I opened it only after seeing on the NPCI website that it supports Aadhaar-OTP UPI registration. However, I was unable to register using the said method. It displayed an error that my Aadhaar number was not linked to my savings account. I am not willing to request a debit card as it will be of no use.

I complained the same to their Level 1 customer care.
They informed me that Aadhaar-OTP...
  • White_Fox
  • aadhaar-upi bandhan bank bank npci pno rbi rbi action rbi guidelines rbi ombudsman
  • Replies: 41
  • Forum: Banking Complaint
  • Hehe
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SBI Savings A/C - PMJJBY unauthorised activation & cancellation
W

Thread 'SBI Savings A/C - PMJJBY unauthorised activation & cancellation'

I have an SBI savings account. They (probably branch employees) activated PMJJBY without my consent. It resulted in a debit of ₹436.00.

Complained to the SBI customer care (screenshot attached), but they said to contact the branch.

Visited the branch the next day. They tried to convince me not to cancel the insurance that it's only a small amount deducted every year. On insisting on cancellation, I was told to submit an application for cancellation of the insurance to the branch.
So went to the branch a day later armed with the application. However, they didn't accept...
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sjmajumder said:
Sharing my experience with SBI, Jadavpur University Branch, Kolkata:

I had a tough 10 years journey with SBI for my Home Loan. (Repost from here)

1. I did not check anything for the insurance option and they very conveniently added SBI RINN RAKSHA to my loan. When I refused to take it they said the loan offer will be cancelled if I don't take it and I have to make a fresh application. I was living in Mumbai at that time and came down to Kolkata just for the loan and going back and coming again would have cost nearly the same so I decided to go ahead with it. SBI earned 35K from me by selling an insurance I didn't need and didn't opt for. This is ROBBERY in broad daylight. My only mistake I didn't check "not required".

2. I opted for MaxGain (I DID check the box) but still they opened normal loan account. I didn't understand and put all money from my various accounts into the loan account but when I tried to withdraw I couldn't. Then on contacting branch official I came to know they had opened normal loan account and there is no way to withdraw the excess amount paid. I landed into a big financial trouble with no money available with me.

3. I asked them to convert it to MaxGain. First they refused. Then I reached out to AGM in RACPC, he said it can be done only if I had ticked the MaxGain option in my original application. They took about a month to check the documents which was lying in their own document locker and finally confirmed that I had indeed ticked the option.

4. They asked for Rs. 1000 as conversion fee. I refused to pay because it was their fault. They kept sending me letters for 3 months. I kept replying on email. Finally after 3 months got a letter stating the charges has been waived.

5. Even after converting to MaxGain I was not able to withdraw. Learnt from branch official that I have to make a separate written application to enable transactions. Again the situation was urgent for me to withdraw some money. I spent 350 bucks and couriered the application through BlueDart so that they get it next day. But this branch official was so casual he simply told me courier not received in spite of me sending him the POD. I had to call up branch AGM and he called that person and I could hear him saying out loud to the AGM that I am troubling him by calling him repeatedly. Just imagine the audacity an officer has to speak like that against a customer who is suffering because of his poor service and that too to his AGM. Anyways, finally with the AGM's intervention the matter was resolved that day.

6. Next few years went smoothly but again faced an issue when converted it from MCLR to EBLR. Submitted cheque of 5K (fees) along with application. The cheque was cashed by SBI and in addition to that they debited my HL account for Rs. 11800. I kept on calling and mailing but nobody reverted for more than a month. Finally I complained to CPGRAMS and then they reversed on getting letter from the Ministry of Finance, GoI.

7. It was over a month which meant some amount of interest paid. I asked them to credit the same to my account but again no response and again CPGRAMS complaint and action after getting letter from the Ministry of Finance, GoI.

8. After such an eventful 10 years finally I received SMS asking me to visit branch and close the account as loan recovered. I went to the branch and they asked me to give an application. After submitting application they said it has to be verified from RACPC and then account will be closed. It will take 30-45 minutes. Although I didn't understand what needs to be verified as branch handles financial transactions and RACPC maintains documents and account was clearly showing 0 balance, I went back after 1 hour and waited for another before I lost my cool. I started by telling the lady my journey so far and she had the audacity to tell me you have resolved all your problems by closing the account. Just bear with us for some more time. On hearing this I lost my temper and shouted for the next 30 minutes till I got my NOC. On my way out entered the Chief Manager's cabin (10 years back it used to be AGM's cabin) and lent him a piece of my mind. He listened to me quietly and didn't say a word. I left.

9. Went to RACPC with the NOC to collect my deed and other documents. The person checked in his system and told me Rinn Raksha account is not closed. I told him it's zero balance but he said it needs to be closed before he can give me back my documents. I asked him what to do? He gave me a number to call the branch. I called but there was no answer, then he tried still no answer. Then I asked for the Chief Manager's number. He hesitated at first but then I told him my experience in the branch the previous day and that I will start shouting here too if he didn't give me the number. Then he finally gave the number and when I dialed, I was surprised to find that the number was already saved in my mobile as AGM's number from 10 years back. He didn't pick up the phone, and kept disconnecting. I messaged on WhatsApp and this time for the the time ever I got some support. He got the account closed in next 5 minutes and I got my documents back.

*** End of a Pathetic Banking Journey ***
Click to expand...
Their entire banking system has to be cursed to the moon and back. Useless fellows.
 

Unauthorized loan applications & CIBIL enquiries by Freo PayLater​

W

Thread 'Unauthorized loan applications & CIBIL enquiries by Freo PayLater'

I recently opened an account with Freo PayLater.

At around midnight, I started receiving SMS from different lenders about loan applications under process which I never applied for. I checked my CIBIL score the next morning to see that multiple enquiries were made by different lenders (Incred Finance, L&T Finance and Early Salary). I also started receiving calls for loans from InCred Finance. Thankfully, the CIBIL score stayed the same.

I raised email complaints with the lenders to cancel any unauthorised loan applications and remove the CIBIL enquiries...
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Worst service ever by Canara Bank - Jadavpur Branch, Kolkata. Sharing my recent experience...

  • 12-Aug-2024: Tired of being repeatedly harassed, I wrote a mail to the branch highlighting 7 incidents with subject "Why is your branch so PATHETIC???"
1727184094525.webp
  • 04-Sep-2024: Sent a reminder on top of the above mail.
  • 10-Sep-2024: Received a call from the Chief Manager. He spoke in a very annoying tone as if I am the one who is at fault. He asked me silly questions like when no one was there in the counter, why didn't your wife go to other counters, when I have already mentioned in my complaint that other counters refused to accept the TD. Conversation got heated and I disconnected the phone saying "I don't want to extend this conversation any further. Thank you very much for your call."
  • 21-Sep-2024: Received the below reply by mail, which addresses only a part of the issue number 2. They didn't address any of the other 6 issues, neither the specific issue in totality. Indeed a bold attempt to close the complaint.
1727185953961.webp
  • 22-Sep-2024: I was infuriated at the above attempt to close the complaint and decided to give a befitting reply.
1727186273979.webp

  • 23-Sep-2024: Received call from Regional Office and they asked me what happened? I simply said first read my mail and then call me if you have any questions. Later, on WhatsApp:
1727187708853.webp 1727187591160.webp 1727187625425.webp

  • 24-Sep-2024: Received a call from a retired staff who has worked with my father and who I also know very well - much junior to my father, retired about a year back. The BM found out who I know personally and reached out to her to request to me to withdraw the complaint. I couldn't say no to her but asked her to ask the BM to send an apology mail first. Received below mail:

1727192633691.webp
 

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White_Fox said:
SBI Savings A/C - PMJJBY unauthorised activation & cancellation
W

Thread 'SBI Savings A/C - PMJJBY unauthorised activation & cancellation'

I have an SBI savings account. They (probably branch employees) activated PMJJBY without my consent. It resulted in a debit of ₹436.00.

Complained to the SBI customer care (screenshot attached), but they said to contact the branch.

Visited the branch the next day. They tried to convince me not to cancel the insurance that it's only a small amount deducted every year. On insisting on cancellation, I was told to submit an application for cancellation of the insurance to the branch.
So went to the branch a day later armed with the application. However, they didn't accept...
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Click to expand...
You won't believe if I tell you what I have seen. I will not disclose any names here.

I was in the Chief Manager's cabin as I was applying for a car loan. He was pretty conversant and told me what he was doing at the moment to meet his branch's target. "Kya batau aapko kya kya karna padta hai". He was searching for accounts which had no transactions for just less than 2 years, as 2 years makes the account inactive. Then he was subscribing to PMSBY from those accounts and then depositing the same amount by cash to the account from his own pocket. So that even if the account holder spots the transaction he can make some story about it. Like offer from bank, etc.
 
sjmajumder said:
Worst service ever by Canara Bank - Jadavpur Branch, Kolkata. Sharing my recent experience...

  • 12-Aug-2024: Tired of being repeatedly harassed, I wrote a mail to the branch highlighting 7 incidents with subject "Why is your branch so PATHETIC???"
View attachment 70005
  • 04-Sep-2024: Sent a reminder on top of the above mail.
  • 10-Sep-2024: Received a call from the Chief Manager. He spoke in a very annoying tone as if I am the one who is at fault. He asked me silly questions like when no one was there in the counter, why didn't your wife go to other counters, when I have already mentioned in my complaint that other counters refused to accept the TD. Conversation got heated and I disconnected the phone saying "I don't want to extend this conversation any further. Thank you very much for your call."
  • 21-Sep-2024: Received the below reply by mail, which addresses only a part of the issue number 2. They didn't address any of the other 6 issues, neither the specific issue in totality. Indeed a bold attempt to close the complaint.
View attachment 70007
  • 22-Sep-2024: I was infuriated at the above attempt to close the complaint and decided to give a befitting reply.
View attachment 70009

  • 23-Sep-2024: Received call from Regional Office and they asked me what happened? I simply said first read my mail and then call me if you have any questions. Later, on WhatsApp:
View attachment 70014View attachment 70012View attachment 70013

  • 24-Sep-2024: Received a call from a retired staff who has worked with my father and who I also know very well - much junior to my father, retired about a year back. The BM found out who I know personally and reached out to her to request to me to withdraw the complaint. I couldn't say no to her but asked her to ask the BM to send an apology mail first. Received below mail:

View attachment 70020
Click to expand...
Dada era nijeder ki bhabe nijerai jane. Eke to nijeder product er info nijerai jane na, tarupor erokom joghnyo babohar.. dhore chapkano uchit eder, babar sompootti bhabe.
 
quino said:
going through this thread inspired me to write an email to the ceo of idfc bank about some recent experience which i mentally accepted as going nowhere.
Click to expand...
a positive update.

got call from the CEO desk. they said they'll investigate & resolution in 3 working days. well nothing happened so, i lost hope again.

but after ~10 working days, the BM of the branch I went to called me up & was acting all chummy, said I can come on the next working day & I'll be issued the locker.

funny thing when i did go in the time slot we agreed on, i was told he went to golf, he cut my call too, but the DBM whatsapped him & issued me the locker.
 
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