Dear @alanabraham @fatehbajwa @Souvik @hriday.haria @anirbanm @fatehbajwa @Extrovert🌃 @Batmanbaba @SMARTY_ANKUSH @prc1990 & all who are trying to fight with banks but thinking whether that will yield any result. So let me give confidence that if you can fight with proper facts & figures you will be on the gainer side always. Remember that I don't hold any savings account with them, no loan so not at all a high NRV Customer towards them still they had to process my application.
1. On February I applied for Yes First Exclusive Credit Card on Life Time Free.
2. When the guy came to collect the documents, he told me that it will be Life Free but when the tele verification happened, it was turned out to be a chargeable one.
3. I denied & the application got on hold. Escalated to local nodal officer, nothing happened.
4. I tried several channels(Via Twitter, Facebook) nothing happened, 2-3 times they raised the service request but every time rejected.
5. Then escalated to PNO, replied after 4 days that "No false commitment has happened with me"
6. Chased back threating escalating to RBI, raised another SR.
7. I got so much frustrated that escalated to their retail Head along with Operations Head.
8. Got the reply after 4 days that Exclusive Card can be processed but LTF pricing can't be processed.
9. Again brought all the chapter of RBI rules & regulations with hyperlinks for re-direction.
10. Raised a new SR but no reply for 4 days & sent a reminder keeping their MD & CEO Prashant Kumar.
11. Today they ultimately have approved Life Time Free Yes First Excusive Credit Card as an exception.
I have attached the entire trailing mail for everybody's reference, you can download & read if you have time.
I may have missed some important points, ask me here, I will respond to each one of you.
@TechnoFino I have posted this one intentionally in the General category since this could be an inspiration to many who are trying to fight with banks but backing off since they don't know the proper escalation matrix & how to threat them. After some days you can move this one under "Yes Bank" section.
@AllSeeker I can't thank you enough for all of this, the basic idea I got from you.
"Whenever there is an mistake, try to find opportunity"
1. On February I applied for Yes First Exclusive Credit Card on Life Time Free.
2. When the guy came to collect the documents, he told me that it will be Life Free but when the tele verification happened, it was turned out to be a chargeable one.
3. I denied & the application got on hold. Escalated to local nodal officer, nothing happened.
4. I tried several channels(Via Twitter, Facebook) nothing happened, 2-3 times they raised the service request but every time rejected.
5. Then escalated to PNO, replied after 4 days that "No false commitment has happened with me"
6. Chased back threating escalating to RBI, raised another SR.
7. I got so much frustrated that escalated to their retail Head along with Operations Head.
8. Got the reply after 4 days that Exclusive Card can be processed but LTF pricing can't be processed.
9. Again brought all the chapter of RBI rules & regulations with hyperlinks for re-direction.
10. Raised a new SR but no reply for 4 days & sent a reminder keeping their MD & CEO Prashant Kumar.
11. Today they ultimately have approved Life Time Free Yes First Excusive Credit Card as an exception.
I have attached the entire trailing mail for everybody's reference, you can download & read if you have time.
I may have missed some important points, ask me here, I will respond to each one of you.
@TechnoFino I have posted this one intentionally in the General category since this could be an inspiration to many who are trying to fight with banks but backing off since they don't know the proper escalation matrix & how to threat them. After some days you can move this one under "Yes Bank" section.
@AllSeeker I can't thank you enough for all of this, the basic idea I got from you.
"Whenever there is an mistake, try to find opportunity"
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