I would like to complaint against Credit Card department?

Question

I received a call from to purchase credit card with no yearly fee if spent 10, 000 in 3 months and the personnel came to my office to collect all the documents, later after 15 days I received my Solitaire credit card.Even after a month I did not receive a pin to swipe the card.after which I made efforts to call customer care and asked for pin to which they told me that I could create a T-pin and I received one time password on my registered phone no and they asked me to go to near by branch ATM to change activate my pin .when I went to the ATM to set a pin for the credit card I received an error as invalid OTP Immediately the next day I made a call to customer care and the executive told me that he will send another OTP in a while, which I did not receive .I made another call to them after 2 days saying I need a clarification as to why I haven't received a pin till date and the executive told that a complaint will be raised and team will get in touch with me. I have received a bill of INR 570 for nott swiping the card.I again made a call to bank they never bothered to give me a clarification as to why I am not provided with a PIN and still I am made to pay a sum of 570, for that the lady responded that I understand that you haven't received the Pin but as you haven't swiped the card you are liable to pay the yearly fee.I totally don't understand how can a person swipe a card without providing a pin and I have made numerous follow up with the bank to help me in this regard.

 

Answer 1

Hi Preethi

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers to provide guidance for resolution of any complain/query in respect of financial services. This site does not belong to any Bank nor a regulator, which may please be noted.

If the bank has not provided you with a PIN to make use of your credit card and further levied annual charges, it is quite arbitrary.  You may take up with the card issuing bank, as per the following process.

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)

RAJA