Shadow-Banned by My HDFC Ex-RM or Just Bank Bullsh*t

[SJM]

i get it you don't read the fine print at all, and how's that mis-selling? bank can approve cc on their disposition

Can you show me the fine print where it says they can issue any cc they wish irrespective of what I applied for? Either they should issue what I applied for, or they can reject. But they can't issue whatever they wish. And if that was the case why didn't Federal bank reply to RBIO saying it is as per bank's policy and no mis-selling or RBI guidelines violated. Why did they give in so easily?

 

[BeingIncogBeingIncog is verified member.]

Can you show me the fine print where it says they can issue any cc they wish irrespective of what I applied for?

you're not entitled to choose celesta nor it was c2c so you got signet approved but you chose to chase rbio for that.

 

[rimtesh]

What exactly is your complaint?

I applied for biz grow but bank issued me a moneyback visa (while applying and selecting biz grow i wished there was a standard card but still it's a good enough reason for a complaint because i got something else than i applied for, hence misselling)

What proof does he have? Is the agent an HDFC employee or authorized HDFC agent?

Since he applied offline, does he have a copy of the application form in which one of those 3 cards is ticked?

Bank employee shared option of cards on my WhatsApp and i chose biz power from them,I visited my local branch, the cc girl their applied the card

Nowadays if you apply offline, some banks (maybe all) mails you scanned copy of your filled in application form. Do you have it? If yes, which card variant is ticked in the form?

Didn't get anything of that sort from hdfc

 

[aniketkr.sharma]

I applied for biz grow but bank issued me a moneyback visa (while applying and selecting biz grow i wished there was a standard card but still it's a good enough reason for a complaint because i got something else than i applied for, hence misselling)


Bank employee shared option of cards on my WhatsApp and i chose biz power from them,I visited my local branch, the cc girl their applied the card

Didn't get anything of that sort from hdfc

If you don't have any proof, how will you prove that you are scammed?

 

[SJM]

View attachment 96547
you're not entitled to choose celesta nor it was c2c so you got signet approved but you chose to chase rbio for that.

How do you know I was not entitled to chose Celesta? Are you the approving authority of Federal Bank?

 

[SJM]

I applied for biz grow but bank issued me a moneyback visa (while applying and selecting biz grow i wished there was a standard card but still it's a good enough reason for a complaint because i got something else than i applied for, hence misselling)


Bank employee shared option of cards on my WhatsApp and i chose biz power from them,I visited my local branch, the cc girl their applied the card

Didn't get anything of that sort from hdfc

Where is your proof that you applied for biz grow? I am not saying you didn't, but you cannot raise a complaint without any proof. Whatsapp chats with an agent will not be considered as proof.

Your best bet, ask HDFC customer care to send you a copy of your application form. If you get it and see biz grow is ticked, you have a case.

 

[BeingIncogBeingIncog is verified member.]

Either they should issue what I applied for, or they can reject. But they can't issue whatever they wish. And if that was the case why didn't Federal bank reply to RBIO saying it is as per bank's policy and no mis-selling or RBI guidelines violated. Why did they give in so easily?

How do you know I was not entitled to chose Celesta? Are you the approving authority of Federal Bank?

again, not a mis-selling case at all because federal might have processed as per your worthiness and you didn't liked it so gone chasing rbio, how would we end consumer know? different banks different applying and approving process. rbio or bank would have thought why to argue with dim-witted.

Not giving me a CC of my choice is not a fault of the bank.

 

[SJM]

again, not a mis-selling case at all because federal might have processed as per your worthiness and you didn't liked it so gone chasing rbio, how would we end consumer know? different banks different applying and approving process. rbio or bank would have thought why to argue with dim-witted.

Are you referring to me as "dim-witted"

 

[aniketkr.sharma]

Are you referring to me as "dim-witted"

Ladna chhoro jaante ni ho

Haathi chala bazaar kutte bhoke hazaar

 

[SJM]

Ladna chhoro jaante ni ho

I want a clarification. Then will give a fitting reply. Don't want to fight on misunderstandings.

Haathi chala bazaar kutte bhoke hazaar

I couldn't agree more 🙂

 

[Rocky Bhai]

Ladna chhoro jaante ni ho

Haathi chala bazaar kutte bhoke hazaar

Haathi gone rouge in bazar . It's like haathi is asking free dhaniya on buying some vegetables in bazar 🤣

 

[plastikman]

Ladna chhoro jaante ni ho

Haathi chala bazaar kutte bhoke hazaar

Faltu me rbio ka waqt zaya kiya ja raha hai. Because of such unnecessary misuse of the nuclear option only the banks are becoming more paly with RBI and the success rate is going down.

Har ek bank ka apna criteria hota hai. Mera 10.5L ka max limit hai and total 1.2 crore ke aas paas credit limit hoga. I applied for a BOB card last year and they provided a limit of 2 lakh.

Toh kya isse RBI jane ka case ban jata hai. RBIO is very gentle agar court jate toh judge would impose cost for such frivalous complaints.

 

[SJM]

Too many jealous people here 🙁

 

[SJM]

Faltu me rbio ka waqt zaya kiya ja raha hai. Because of such unnecessary misuse of the nuclear option only the banks are becoming more paly with RBI and the success rate is going down.

Har ek bank ka apna criteria hota hai. Mera 10.5L ka max limit hai and total 1.2 crore ke aas paas credit limit hoga. I applied for a BOB card last year and they provided a limit of 2 lakh.

Toh kya isse RBI jane ka case ban jata hai. RBIO is very gentle agar court jate toh judge would impose cost for such frivalous complaints.

Did you even read what was my complaint?

I have 15L CL from Axis, total CL 2CR +. Did I complaint against CL? Read bro before you comment.

 

[aniketkr.sharma]

Too many jealous people here 🙁

That's why some incident's needs to be hidden.

If that's in your favour, understood bro

 

[SJM]

Haathi gone rouge in bazar . It's like haathi is asking free dhaniya on buying some vegetables in bazar 🤣

I didn't ask for anything free. In my complaint I didn't ask for Celesta as I very well know it is at the discretion of the bank. My complaint was against issuing Signet when I applied for Celesta.

 

[SJM]

That's why some incident's needs to be hidden.

If that's in your favour, understood bro

Got it bro, may be late but totally got it.

I thought sharing my experience will benefit people when they are wronged by banks. Seems I was wrong.

 

[Anupama_Jha]

Wohooo😍
Another kalesh. Mazaaa aa gya.
Honestly missing @Raavan here😮‍💨

 

[Mr. BeanMr. Bean is verified member.]

Locked the thread temporarily as the discussion went off-topic leading to misunderstandings and what not.

@Donald J. Trump When you have done your president duties for the day, please let a mod know (via DM) if you need any further info regarding your original query. Otherwise, let's keep it locked.