Eterna annual fee charged on LTF bob easy card

[ashiquetvr]

I have a bob easy LTF card. I was amazed to see an annual fee of ₹2499+gst on it ( which is the fee of their eterna card). These kind of fruad behaviour should be fined with proper penalty for customer, right?

 

[ashiquetvr]

It doesn't work like this. CICs like Transunion cibil or experian or others doesn't get details txn by txn. Regulated entities like credit card companies sends your account's outstanding details. If you have not paid them they will report that & if any of your outstanding is paid it will be reported as paid irrespective of who have paid. Hindi mein bolu account mein due hoga to report hoga varna report nahi hoga. Bob ne dia yah tumne dia it doesn't matter.

@Aaaa Hey brother, just one clarification. I got this reversal last week, and the credit limit is already full. But there is no reverse transaction marked on the card. So it doesn't cause me any trouble as my bill is already generated right? I really don't want my cibil to go down

 

[Aaaa]

@Aaaa Hey brother, just one clarification. I got this reversal last week, and the credit limit is already full. But there is no reverse transaction marked on the card. So it doesn't cause me any trouble as my bill is already generated right? I really don't want my cibil to go down

First don't utilize more than 40%. If u r using the card for any reward. Make sure you pay atleast 60% of ur due by 19th. Secondly it won't affect due 2 the charge u mentioned earlier.

 

[hs23]

No offense to you but this won't be needed. Im pretty sure @ashiquetvr will receive an sms for credit payment towards the card in 2-3 days stating that amt equivalent to the charge has been credited. I can take guarantee of that. If they have said it in writing they will do it. The key challenge is to make them do what they are supposed to do. As i can see here this was probably @ashiquetvr 's 2nd email that too to nodal & pno. Most likely he mailed to chairman@bankofbaroda.com also & BoB financial reacted so swiftly because of that. Mailing chairman@bankofbaroda.com is equivalent to mailing Mukesh ambani for say, any payment issue you are facing on Jio/reliance store.

You have no idea what happens if you mail the chairman or MD of a bank.

5 yrs ago i faced an issue with sbi buddy wallet & i mailed the then SBI chairman Miss Arundhati. I got a call after the case is solved requesting me to please give us in writing that you are happy with resolution.

Im giving you a solution which may not seem believable at 1st glance. So basically BoB card last year added 30090 to my account stating that they had credited in excess in 2021. I checked & found the allegation absolutely baseless
Over 7 months atleast 60-70 emails were exchanges. Senior officials like Chetan Goswamy who is VP of the BFSL(the Bob cr card subsidiary), legal head Gurmeet Marwah, Collection head Varsha Taysate talked to me on conference call. Fortunately I got access to their internal emails which clearly showed that they were up for some nasty corrupt practice. I went up to Ombudsman, ombudsman for some strange reason initially were reluctant to take action against them. But then I provided them the call recording of BoB card & BoB bank employees who candidly confessed a lot of things being unaware that I was recording the calls. After a fight of 7 months my charges were all reversed. They literally destroyed my cr score which is stll under 600 & I'm on my way to get it corrected. I am also considering taking up the matter to Comptroller Audit General(CAG) to take punitive actiom against them.

My 1st solution to you is to email chairman@bankofbaroda.com & erd@bankofbaroda.com. Although they won't take strict actions against their own subsidiary but they will ask BoB card to resolve this matter at the earliest. Chairman & Executive Response Desk(ERD) doesn't like to be bothered about individual case so when cases like this comes to them they just rebuke the subsidiary to resolve the matter. Also email the ceo of BFSL shailendra.singh@bobfinancial.com. You can mail pno@bobfinancial.com, Head.customerservice@bobfinancial.com, crm1@bobfinancial.com.

I have email to chairman@bankofbaroda.com, in how many days can I expect a response?
If there is no reply, I will escalate to RBI Ombudsmen.