Fraud Commitment of Credit Card?

Question

Respected Sir, I have a big concern which has compelled me to raise figure on bank. I am compelled to think that some of your employees as ditching your company making wrong/fraud commitment with your customers. History of Issue – I got a call from one of your sales department for Credit Card and I denied upfront. I got call again and the lady asked me that Bank has offer for Vodafone employees, and we are providing free of cost Credit card with credit limit of Min Rs.1 Lac and Max Rs.7 Lac. I specifically asked that lady that my CIBIL score is low because of some reason. That lady said it is an offer for all Vodafone employees and we will not consider CIBIL rating in this. I asked that lady to confirm the same from senior and her senior also confirmed the same thing to me. In all calls which I got from them, I asked them ‘PLEASE COLLECT THE DOCUMENTS FROM ME ONCE YOU ARE CONFIRMED THAT CARD WILL SURELY ISSUES, ELSE PLEASE DO NOT COLLECT’ but I always got assurance that the same will be issued. Please tell me how will I keep my trust of a brand called  BANK ? Why your team members are doing such commitments when they can not complete the same ? Please help to investigate and resolve.

Answer 1

Hi Neeraj,

Please follow the below steps :-

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

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)