Issues of paid card instead of life time free card?

Question

Sir I am sorry to inform you that at the time of telecalling by your bank reprsentive she assured me issue life time free credit card. I conveyed her if you cannot give me life time free card then no need to issue me. Then why your bank issued me credit card. I have recording of this conversation. If their is no provision in your bank for life time free card why she committed me. You check your record this is purely shows that your bank is doing fraud with the public. Recently talked with your bank person he said after confirmation I will convey you but till date he not conveyed me, now you said if you are not interested you send the request for closer. If necessary action not taken I have to take the support of legal cell.
 

Answer 1

Dear Trilochan ji,

At the outset, let me clarify that this site is designed by a group of senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

I would suggest you to bring the issue to notice of the Nodal Officer of the bank through email or letter. It would appear that the bank executive concerned had made the life time free offer, flouting the bank's policy and guidelines. The bank may take suitable action against the officer concerned based on your inputs. RBI has recently issued guidelines to banks  that employees engaged in marketing should also get approved certification to prevent mis-selling of products and reduce customer complaints.

If you are of interested to have the credit card, you can surrender the same enclosing it with the letter to Nodal Officer. Before sending the card please cut the same into at least two pieces to prevent its misuse in case in falls on wrong hands under whatever circumstances.
 

Regards

 

J R Mohandas