Hi LLA, One incident happened with me also, I closed OneCard one month ago but they didn't credit my amount. I warned them 3 times but they didn't credit. Then I warned them again in email by saying I will take help from TH-camRS. Then they credited the amount in same day.
Team LLA kindly help me (many iCiCi Android Customers like me) - Recently after updating iCiCi iMobilePay official App (Version 16.3) it has become unusable. App crashes & shows - kindly close 'Developer Options' to avail services. *ISN'T THIS UNFAIR ?*
As a banker myself, I would like to point out one more problem that happens with many people. They get offers of lifetime free credit cards but then bank charges them for the card. Then when the customer complains and deny to pay the charges, bank does not waive the charges but simply writes them off. Due to this, credit score of the customer gets impacted which they realise only when they apply for a loan.
The same case happened to my father 😢 he was promised a lifetime free SBI elite card because he had done a certain amount of transaction in his SBI account and he filled the form and got the form but later in that month 5000 rupees were deducted from his account, he felt very bad , and i was also feeling bad for my poor father he was scammed by the banks, the same banks who are entitled to keep our money safe but they also scam people and the funny part is they think we are supposed to trust them. But later my father did complain in the bank but he refused by the bank by saying that it was your idea to fill the form to get the card. My father felt like his trust has been over with and he got scammed, but he doesn't know what to do hence he is still paying that God damn card. Even these government banks scan people too that is so frustrating.
The same case happened to my father 😢 he was promised a lifetime free SBI elite card because he had done a certain amount of transaction in his SBI account and he filled the form and got the form but later in that month 5000 rupees were deducted from his account, he felt very bad , and i was also feeling bad for my poor father he was scammed by the banks, the same banks who are entitled to keep our money safe but they also scam people and the funny part is they think we are supposed to trust them. But later my father did complain in the bank but he refused by the bank by saying that it was your idea to fill the form to get the card. My father felt like his trust has been over with and he got scammed, but he doesn't know what to do hence he is still paying that God damn card. Even these government banks scan people too that is so frustrating.
Thank you so much for this insightful video! I recently found myself in a similar situation where I was misled by a bank representative regarding a credit card offer. Feeling lost and unsure of what steps to take, I stumbled upon your video and found it incredibly empowering. Following your guidance, I lodged a complaint against the bank and today, I am thrilled to share that justice has been served. My credit card has been rightfully termed as lifetime free, and the erroneous charges have been refunded. Your advocacy for consumer rights is truly commendable, and I cannot thank you enough for empowering individuals like me to stand up against corporate injustices. Keep up the excellent work!
This is truly brilliant. It's remarkable how frequently we remain oblivious to our own rights, allowing these massive corporations to exploit that fact. My admiration knows no bounds. Kudos!
Same thing happened to me for Axis Bank CC. After 2 months, thankfully they agreed that it was a mistake from their end but still I have paid the joining amount. They gave me the rewards which obviously of no use. Wish I knew the RBI ombudsman at that time. Thanks to you and LLA for this info.
HDFC bank agent called me and told for lifetime free millenium credit card for card to card activation offer. card to card means i have already SBI credit card on that basis they issued HDFC credit card. is this genuin or fraud. i have recorded all calles and customer care verivication call also in deetail way. plz guide
@@vivekiitb034 they regularly call people to sell their credit cards. That's not illegal. If hdfc has sold you a card or deducted money from your account without your knowledge, then you have a right to complain to RBI ombudsman.
Namaste Labour Law Advisor ji, Aapka channel dekh ke dil khush ho jaata hai! Aapki videos se lagta hai ki aap sach mein labour law ke kanoon ke Pandit hai. Main aapse bahut kuch seekhna chahta hoon aur aapke saath kaam karna bhi. So please accept me as your shishya and guide me on the path of success. Dhanyawaad!
It’s superb Mere sath bi ayse hua But RBI ko CC me rakh kr conversations hue at least one month tk uske bad jakr full refund aya hai mera refund 92 hazar kuch rupiye tha Ap hi k videos se knowledge hua or finally I’mh appy
Thank you LLA for making our lives more JAGRUK!. When I first discovered your channel a couple of months back I immediately knew this channel is worth subscribing and sharing.! More power to you!
Ekdum mast information diya aapne! Dil khus ho gya.... Aise hi jagrukta failane ke is nek kam ko karte rahiye insa allah bhagavan aapko aur aapke parivar ko hamesha swastha aur sukhi rakhe...
Happened with me as well. icici bank employee did it. I paid the 590 charges initially and then picked it up with customer support. Took me a whole 3 months to fight with 10 different people from the bank to finally reverse the charges in my statement.
Nice use of Short it helps to get traffic to videos. Not shown any clip of video but still made us to view video. I am saving this Short as a marketing tips
I have one suggestion. By default your dialer is set to google dialer so that app gives prior notification like "This call is now being recorded" You can turn it off by changing that option, you check search on youtube and you will find tutorial for that. Hence, that annoying voice of 'Recording started' can be removed! And, thank you very much for your efforts in educating nation about finance and stuff. Love you, team LLA ❤️
Same problem has with me in my new mi 11 note pro+5g however after searching a lot i found others countrys like Indonesia, taiwan official rom has miui dailer which has automatically call recording without any announcement 😊
This is exactly what happened with me recently by hdfc bank. But thankfully they did agree to fulfill their promise after heated arguments with bank manager. But thanks for making this video to spread awareness and knowledge to take further steps if issue doesn't get resolved through bank end.
Thank you LLA Team for sharing information about RBI Ombudsman and how it can be helpful for resolving banking issues. Your video has been informative and helpful for those facing problems with their banks. I recently opened a zero balance savings account with IndusInd Bank and requested a debit card through their official banking app. Although the app did not show any charges for the card, the bank deducted Rs. 2950 from my account for issuance charges. Despite complaining to the bank, I did not receive an appropriate response. After watching your video, I have decided to register a complaint with the RBI Ombudsman to resolve this issue. Thank you for sharing this valuable information and helping people like me to seek justice.
Really great...❤️❤️ For me the credit card people charged Dec 2022 transaction on Mar 2023. Even at that time they have charged some charges but when I called the customer care guy was rude and told me "BANK CAN CHARGE AT ANY TIME AND ITS THERE CHOICE"
Nice one Rishabh, but one thing I want to add... In certain cases the card charges are not reflected in first month rather after a year as they ideally make it free for first year... And by the time you realise it's already late.
The RBI's grievance management is great! I faced an issue with a prominent NBFC for a loan, and they were not responding to my complaints or escalations. Fast forward to raising a complaint to the banking ombudsman, my issue was resolved in 1 day!!
I did a similar thing with Zest Money as they spoiled my Cibil score for a transaction which I later cancelled. They even closed the loan on the app but actually submitted default to the credit score companies.
Same happened with me for hdfc card it was offered as free card, but I was charged 499+GST. When I complaint them they said card is chargeable and that card agent left the job, i have paid the charges but they are not providing any resolution. I don't have any proof right now.
I recently got the same from ICICI Bank for their Coral Credit Cards ; After watching this video I called the customer care and they confirmed all the things the sales guy claimed. So I think it depends if you are going to be scammed or not. BTW on the brochure he shared there is joining fee and annual fee mentioned, but the customer support said that you got this card in offer so they are waived off. I will be looking at my bank statements closely for next few weeks. Thanks for the video, tu bahut acha kaam krta h re
HDFC bank agent called me and told for lifetime free millenium credit card for card to card activation offer. card to card means i have already SBI credit card on that basis they issued HDFC credit card. is this genuin or fraud. i have recorded all calles and customer care verivication call also in deetail way. plz guide
I would like to express my gratitude to the LLA team and commend Manav for sharing his experience. Unfortunately, I also had an unpleasant encounter with SBI concerning a password reset issue on Yono. Despite several attempts, the bank failed to reset my password and I had to make multiple visits to the branch. To my disappointment, the manager was unable to provide a solution, leaving me feeling frustrated and helpless. Although I was angry, there was nothing I could do.
@@Softheart15 you have take that in some written form. Last year when I took the card they told me the same and later I found out there is no such offer. Even I thought maybe I heard something wrong so didn't follow up. They do make such falls offers
Thats a great video and about that this call is getting recording msg that can also be stopped there is an app called TTS to stop that that's very helful.👍
Hi Rishabh/Mandeep, Plz make a video on the overdraft facility on the home loan. What are the pros and cons of this..and under what condition we should consider it or opt for a normal home loan. Thanks 🙏
An incident happened with me. I have taken education loan from SBI, My course duration was 4 years but after 3 years they have started calling me for repay of loan, I have complained to rbi and then they have stopped the calling. So I give consent to close the complaint. but now onwards mode of interest was changed from Simple to compound.... upto 3 yesrs of loan, type of Interest was Simple, but my course duration was of 4 years. I have complained to bank about it but after 1 month they haven't resolved my problem then I moved to RBI ombudman and now I got compensation of 70k. that was very good feeling...
Hey LLA team, can you also make a video on good free credit cards or whether it is worth it or checklist before buying a free credit card(this point is mostly covered in your current video)
Similar thing happened to me with HDFC Bank . I was then given an option either to make standing instruction to either pay ebill/ mobile bill monthly or spend above a certain amt. Otherwise pay 1500 plus gst .
Similar case happened with me with SBI PULSE credit card. The guy said it will be LTF but after I got the card they charged me annual fee + GST. I raised a complaint in SBI gave the agent's number and everything and they said I had aggred to pay the charge and closed my ticket. Then I raised the complaint again and this time I talked a bit aggressively and they said I am reverting the charges and told me to use the card for one year and later I can decide if i want to keep or not. I didn't use this card a single time after it was issued. Few days ago I raised the request to close this card and now my card is closed. And I still get calls from some agent selling LTF sbi cards. I simply say no and cut the call. Now I stay aware and if i find any LTF cards I go to the banks official website to check the offer. If i find then only I apply like recently I got axis Bank my zone and bank of baroda premier for LTF which I applied from the banks website itself.
@@SpunkyMaster i have deleted numbers and recordings now. This happened a while back in Nov22. Didnt knew back then what to do. But the same is happening in SBI and HDFC CREDIT CARDS also. Also they are following unfair practices to issue cards for the users. This is just another addition.
HDFC bank agent called me and told for lifetime free millenium credit card for card to card activation offer. card to card means i have already SBI credit card on that basis they issued HDFC credit card. is this genuin or fraud. i have recorded all calles and customer care verivication call also in deetail way. plz guide
A similar incident happened with me , I followed each and every step and finally got 2500 Rs as a penalty from SBI for a delay in the reversal of the amount for failed UPI transaction
Hello Sir, I was loosed my 2lakh by cyber fraud and I was complain against it also. But no response from bank side. So can I complain it RBI website ? Please 🙏
The same case happened with me 2 weeks back I was miss selled with a lifetime free Yes CC but received a AMC one so I registered a complaint but there was not resolution so I just closed the card. Should have gone with RBI 😂
Sir I was really searching about this on your channel for a few days and didn't get any video. I'm very thankful to you for the information you gave. Sir, I want to tell you my I problem in which I am stuck from few days, and I know only you can help me. I opened a Savings bank account on Punjab National Bank on 2014 and for some reason I left the account on 2015 (thinking that It will close automatically). Now on 21 March 2023 I received a payment which was sent using Adhaar Enabled Payment System, My bad luck that the Adhaar payment was linked with PNB bank account so the payment was credited to the same. Now the problem comes, According to RBI Guidelines passed on 20 November 2014 (It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum balance.) The bank got my Bank account to a negative balance and deducted the charges of around Rs. 8000 after the money being credited. They are not even listening to this and saying that nothing could happen now. Please help me what should I do, also please tell me if they are wrong or not
Complaint with the customer helpline number, ask them do they had any automatic account closing policy or you only research about it. And then if you are not satisfied with resolution given by the bank then please contact the RBI Ombudsman within 20-30 days of the complaint!!
I hate finance, i hate tax and definitely hate investments But obviously it's a necessary evil Thanks to you and the team and your honest reviews atleast now i know what to do And you guys also made tax and investments so easy however i still won't like to do on my own but would try to understand.
I really enjoy your content! Could you please consider making a video about the issues surrounding bank account freezes and how banks are dealing with these account freeze issues and not cooperating with its innocent customers. It’s concerning how banks and law enforcement handle account freezes. If funds haven’t been credited, why do they suspect customers and freeze entire accounts? If a law enforcement agency only requests a lien on a specific amount, it seems unreasonable for banks to freeze all funds. It’s a topic that affects many people, and your insights could really help raise awareness. Thanks for all you do!"
The same thing happened with me for axis bank credit card. but due to lack of call recording i was not able to do anything. I closed my credit card at the end. Very useful video.
Same thing Yes Bank did with me. I was told it would be LTF, then after it was issued, it turned out to chargeable, and I validated this before activating it. I didn't activate it, and today after 37 days the card was automatically closed thanks to RBI rules for no charge to myself!
मेरे साथ भी ऐसा हुआ था एक्सिस बैंक की तरफ से कॉल आया और बोला की लाइफटाइम फ्री क्रेडिट कार्ड मिलेगा लेकिन कार्ड डिलीवर हुआ तो जोइनिंग फीस 599 और GST लगी तो मैंने एक्सिस बैंक वालो को मेल किया तो 15 दिन के अंदर मेरी प्रोब्लम सॉल्व कर दी गई फीस रिफंड कर दी और कार्ड लाइफटाइम फ्री कर दिया गया 😊
SIR thank you so much apka video dekhkar maine bhi yes bank ki complaints rbi me ki thi aur ajj me bhi lifetime free card ka use kar raha hu Mere case bhi same manva jaisa tha Yes bank wellness card lifetime bol kar diya gaya tha bad me muje 750+gst lagayi aur 2 mahine ke bad maine rbi me complaints ki.....
Love you LLA. Bank waalon ki forceful selling badtameeze bahut bardasht ki hai so now it's time for some "war" har Baar main nahi jhelungi bank manager ke aage I can't keep saying please! Ab uski baari hai call karne ki kyunki literally SBI ne bahut rulaya hai
Great job to you and your team, Labour Law Advisor! Your expertise and hard work are truly commendable. It's evident that you're dedicated to providing valuable insights and guidance in the field of labor law. Keep up the excellent work!
Hax to Save Tax Course 👇
link.lla.in/hax-to-save-tax
Story shared by Jagruk Subscriber : Manav Motwani
@LLA. BANK WALE LOAN LENE KE BAAD O APNA O APNA INTEREST INCREASE KR DIYE O AISA KYU KR RHA HAI. o bol rhe ki share gir rha
Hi LLA,
One incident happened with me also, I closed OneCard one month ago but they didn't credit my amount.
I warned them 3 times but they didn't credit. Then I warned them again in email by saying I will take help from TH-camRS.
Then they credited the amount in same day.
Sir, I am a Pakistani so can you recommend me a TH-cam channel because India and Pakistan have different laws?
@@Mr_Gamer17 due to increase in repo rate which is linked to interest rate as external benchmark
Team LLA kindly help me (many iCiCi Android Customers like me) - Recently after updating iCiCi iMobilePay official App (Version 16.3) it has become unusable. App crashes & shows - kindly close 'Developer Options' to avail services.
*ISN'T THIS UNFAIR ?*
This is the most useful video. I am proud India has organisations like RBI who care about the common people. Thank you LLA.
😂
(after adani case) SEBI : 🗿
😂
RBI only cares special people not common man.
Don't be so happy. This guy got lucky. RBI is not that helpful for common man
As a banker myself, I would like to point out one more problem that happens with many people. They get offers of lifetime free credit cards but then bank charges them for the card. Then when the customer complains and deny to pay the charges, bank does not waive the charges but simply writes them off. Due to this, credit score of the customer gets impacted which they realise only when they apply for a loan.
Good point
How can one know whether those charges were waived off or written off?
@@udayteja4946 If they are charged it will appear on CC Bill and if not they wont appear on CC bill. That’s simple
@@radhamanohar2307 Thanks for the information.
Bank staff are full of frauds... Some staff are paid to fool people... Why you keep on calling customers.... Credit card Lelo.. credit card lelo....
As an RBI employee, I am feeling very proud of my organisation as well as happy for Mr. Manav.. ❤🥺
😂😂
RBI bhi sahi investigate nahi karta
Asst or Grade b sir ???
@@ankith1316 Office Attendant, brother.
@@bireshwardey007 which office
seriously itna great knowledge or kisi channel pe nhi mil sakta thankyou so much #LLA team.
This is brilliant. We often are unaware of our rights and these corporations take advantage of this. Hats off. ❤
Watching since 2 year and now i am 18 and becoming jagruk after every video of LLA . You are doing great work thank you ❤.
Bhide bhai😂
@@sandeepkumarpatidar3719 mai bhi yahi comment karne wala tha xD
16 se yahi dekhra h ..you need more friends and hobbies
👍🏻
The same case happened to my father 😢 he was promised a lifetime free SBI elite card because he had done a certain amount of transaction in his SBI account and he filled the form and got the form but later in that month 5000 rupees were deducted from his account, he felt very bad , and i was also feeling bad for my poor father he was scammed by the banks, the same banks who are entitled to keep our money safe but they also scam people and the funny part is they think we are supposed to trust them. But later my father did complain in the bank but he refused by the bank by saying that it was your idea to fill the form to get the card. My father felt like his trust has been over with and he got scammed, but he doesn't know what to do hence he is still paying that God damn card. Even these government banks scan people too that is so frustrating.
As an Indian 🇮🇳 . Proud of RBI ❤ , If any employee of RBI is watching then please keep up doing this amazing work 😊
That's why I like this central govt. Our voices are now being heard
The same case happened to my father 😢 he was promised a lifetime free SBI elite card because he had done a certain amount of transaction in his SBI account and he filled the form and got the form but later in that month 5000 rupees were deducted from his account, he felt very bad , and i was also feeling bad for my poor father he was scammed by the banks, the same banks who are entitled to keep our money safe but they also scam people and the funny part is they think we are supposed to trust them. But later my father did complain in the bank but he refused by the bank by saying that it was your idea to fill the form to get the card. My father felt like his trust has been over with and he got scammed, but he doesn't know what to do hence he is still paying that God damn card. Even these government banks scan people too that is so frustrating.
why don't you close the credit card
Thank you... from proud rbi employee
@@SVG7717 😂😂
Thank you so much for this insightful video! I recently found myself in a similar situation where I was misled by a bank representative regarding a credit card offer. Feeling lost and unsure of what steps to take, I stumbled upon your video and found it incredibly empowering. Following your guidance, I lodged a complaint against the bank and today, I am thrilled to share that justice has been served. My credit card has been rightfully termed as lifetime free, and the erroneous charges have been refunded. Your advocacy for consumer rights is truly commendable, and I cannot thank you enough for empowering individuals like me to stand up against corporate injustices. Keep up the excellent work!
This is truly brilliant. It's remarkable how frequently we remain oblivious to our own rights, allowing these massive corporations to exploit that fact. My admiration knows no bounds. Kudos!
I had similar help from RBI during lockdown when HDFC put my loan into moratorium without my consent. I fought for 4 months and got it corrected.
How long did it take for RBI CMS complaint to close? 😓😓
I happy to say that I have subscribed to channel who not only upgrading our knowledge but parallelly saving our hard money
This Man taught the Bank a solid lesson.
Same thing happened to me for Axis Bank CC. After 2 months, thankfully they agreed that it was a mistake from their end but still I have paid the joining amount. They gave me the rewards which obviously of no use.
Wish I knew the RBI ombudsman at that time.
Thanks to you and LLA for this info.
HDFC bank agent called me and told for lifetime free millenium credit card for card to card activation offer. card to card means i have already SBI credit card on that basis they issued HDFC credit card.
is this genuin or fraud. i have recorded all calles and customer care verivication call also in deetail way.
plz guide
@@vivekiitb034 they regularly call people to sell their credit cards. That's not illegal.
If hdfc has sold you a card or deducted money from your account without your knowledge, then you have a right to complain to RBI ombudsman.
Namaste Labour Law Advisor ji,
Aapka channel dekh ke dil khush ho jaata hai! Aapki videos se lagta hai ki aap sach mein labour law ke kanoon ke Pandit hai.
Main aapse bahut kuch seekhna chahta hoon aur aapke saath kaam karna bhi. So please accept me as your shishya and guide me on the path of success.
Dhanyawaad!
It’s superb
Mere sath bi ayse hua
But RBI ko CC me rakh kr conversations hue at least one month tk uske bad jakr full refund aya hai mera refund 92 hazar kuch rupiye tha
Ap hi k videos se knowledge hua or finally I’mh appy
Thank you LLA for making our lives more JAGRUK!. When I first discovered your channel a couple of months back I immediately knew this channel is worth subscribing and sharing.! More power to you!
I had personally tried RBI ombudsman scheme and hat’s off they do great job..
Proudly to have these supervising bodies in our country
How long did it take for RBI CMS complaint to close? 😓😓
Thank you LLA for making such type of videos that really educate people in this world full of scams ❤
Ekdum mast information diya aapne! Dil khus ho gya....
Aise hi jagrukta failane ke is nek kam ko karte rahiye insa allah bhagavan aapko aur aapke parivar ko hamesha swastha aur sukhi rakhe...
Happened with me as well. icici bank employee did it. I paid the 590 charges initially and then picked it up with customer support. Took me a whole 3 months to fight with 10 different people from the bank to finally reverse the charges in my statement.
Nice use of Short it helps to get traffic to videos.
Not shown any clip of video but still made us to view video.
I am saving this Short as a marketing tips
This is what true community called LLA by sharing such example and keep us aware
Really appreciate your effort for spreading awareness ❤️
Brilliant video! Explanation was right on the money. Thank you for bringing such sensitive topics for the common people.
Most useful and thanks for the RBI website and information.
Extremely useful and the way yiu share it is also very good. Thank you
I have one suggestion.
By default your dialer is set to google dialer so that app gives prior notification like "This call is now being recorded"
You can turn it off by changing that option, you check search on youtube and you will find tutorial for that.
Hence, that annoying voice of 'Recording started' can be removed!
And, thank you very much for your efforts in educating nation about finance and stuff.
Love you, team LLA ❤️
Can you please send the video link ?? I also want to remove Google dialer recording voice
Same problem has with me in my new mi 11 note pro+5g however after searching a lot i found others countrys like Indonesia, taiwan official rom has miui dailer which has automatically call recording without any announcement 😊
Can you please share the link for the video
This is exactly what happened with me recently by hdfc bank. But thankfully they did agree to fulfill their promise after heated arguments with bank manager.
But thanks for making this video to spread awareness and knowledge to take further steps if issue doesn't get resolved through bank end.
Same, hdfc disputes offered me LFT but I preferred just to surrender the card.
I love this channel and content delivered thank you
Year ago, Exactly happened with me by SBI CC. 😒
Useful video,,Thanks
Very useful video , thank you LLA 🙏, we (subscribers ) truely feel educated in this field by watching your videos .
Only financial TH-camr whose video is worth watching 3 days before my jee exam😂
Best of luck, baad me dekhna lekin
- RJ
@@LabourLawAdvisor thank you inspiring rj
Jee advance hai kya bro
@@vabesvaradwaj nhi Mains h bhai
@@awakenharsh best of luck bro
Thank you LLA Team for sharing information about RBI Ombudsman and how it can be helpful for resolving banking issues. Your video has been informative and helpful for those facing problems with their banks.
I recently opened a zero balance savings account with IndusInd Bank and requested a debit card through their official banking app. Although the app did not show any charges for the card, the bank deducted Rs. 2950 from my account for issuance charges. Despite complaining to the bank, I did not receive an appropriate response.
After watching your video, I have decided to register a complaint with the RBI Ombudsman to resolve this issue. Thank you for sharing this valuable information and helping people like me to seek justice.
Did you got your money back?
@@viniistfu yeah within 2 days
Really great...❤️❤️
For me the credit card people charged Dec 2022 transaction on Mar 2023.
Even at that time they have charged some charges but when I called the customer care guy was rude and told me "BANK CAN CHARGE AT ANY TIME AND ITS THERE CHOICE"
Very Useful, Plz keep up the good work
Nice one Rishabh, but one thing I want to add... In certain cases the card charges are not reflected in first month rather after a year as they ideally make it free for first year... And by the time you realise it's already late.
It's never too late. Just proceed with your complaint.
LLA as always educating us. ❤ from Kanpur, UP.
Can't thank you enough😊 you have done amazing job as always
Thank you for spreading awareness
Thank you sir is tarah se hame jagruk rakhne ke liye...
The RBI's grievance management is great! I faced an issue with a prominent NBFC for a loan, and they were not responding to my complaints or escalations. Fast forward to raising a complaint to the banking ombudsman, my issue was resolved in 1 day!!
I did a similar thing with Zest Money as they spoiled my Cibil score for a transaction which I later cancelled. They even closed the loan on the app but actually submitted default to the credit score companies.
Same happened with me for hdfc card it was offered as free card, but I was charged 499+GST. When I complaint them they said card is chargeable and that card agent left the job, i have paid the charges but they are not providing any resolution. I don't have any proof right now.
If you don't have any proof then you can't do anything.
Thanks a lot LLA for sharing such useful information with us. Truly grateful ❤
Most helpful video! Sooo informative!
Great and informative AV. Tysm u rock
I recently got the same from ICICI Bank for their Coral Credit Cards ; After watching this video I called the customer care and they confirmed all the things the sales guy claimed. So I think it depends if you are going to be scammed or not. BTW on the brochure he shared there is joining fee and annual fee mentioned, but the customer support said that you got this card in offer so they are waived off. I will be looking at my bank statements closely for next few weeks.
Thanks for the video, tu bahut acha kaam krta h re
HDFC bank agent called me and told for lifetime free millenium credit card for card to card activation offer. card to card means i have already SBI credit card on that basis they issued HDFC credit card.
is this genuin or fraud. i have recorded all calles and customer care verivication call also in deetail way.
plz guide
on what basis you got life time free card ?
Bhai icici be mera sath pehle fraud kra tha
@@vishalgaur7867 bharosa to nhi hota hai aaj kal mujhe bhi, let's se. I will be monitoring my account for few weeks
@@vivekiitb034 the sales person said it was on basis of my account history. ( I am also a premium customer)
I would like to express my gratitude to the LLA team and commend Manav for sharing his experience. Unfortunately, I also had an unpleasant encounter with SBI concerning a password reset issue on Yono. Despite several attempts, the bank failed to reset my password and I had to make multiple visits to the branch. To my disappointment, the manager was unable to provide a solution, leaving me feeling frustrated and helpless. Although I was angry, there was nothing I could do.
❤
😂😂
Facing similar issue with RBL bank, I was thinking to write to LLA for suggestions. Then yesterday came across this video.
Great work Team LLA
I got call from bajaj finance for rbl credit card, free for 1year. Should i go for it or not
@@Softheart15 you have take that in some written form. Last year when I took the card they told me the same and later I found out there is no such offer. Even I thought maybe I heard something wrong so didn't follow up.
They do make such falls offers
@@manishgupta-pg7so sure. Thanks for advice. I'll record everything and tell him to give me written info.
Omg... Great work done by himmm
Thats a great video and about that this call is getting recording msg that can also be stopped there is an app called TTS to stop that that's very helful.👍
i never miss a single short or video
Wish for 10M in 2024😇
Mithai khilani padegi sir ji dekh lena
Hats off to manav.
Thanks to LLA for this wonderful story.
Hi Rishabh/Mandeep,
Plz make a video on the overdraft facility on the home loan. What are the pros and cons of this..and under what condition we should consider it or opt for a normal home loan.
Thanks 🙏
An incident happened with me. I have taken education loan from SBI, My course duration was 4 years but after 3 years they have started calling me for repay of loan, I have complained to rbi and then they have stopped the calling. So I give consent to close the complaint.
but now onwards mode of interest was changed from Simple to compound....
upto 3 yesrs of loan, type of Interest was Simple, but my course duration was of 4 years.
I have complained to bank about it but after 1 month they haven't resolved my problem then I moved to RBI ombudman and now I got compensation of 70k.
that was very good feeling...
Great stuff LLA team!
Is there anything like RBI Ombudsman for retail stores like lenskart/Myntra/Amazon/flipkart, etc ?
Consumer complain at umang app.
Lok Adalat
POV: Salesman be like ab tho resign karna hi padega 😥
Hey LLA team, can you also make a video on good free credit cards or whether it is worth it or checklist before buying a free credit card(this point is mostly covered in your current video)
Such a great information man!! Thanks...😊
Similar thing happened to me with HDFC Bank . I was then given an option either to make standing instruction to either pay ebill/ mobile bill monthly or spend above a certain amt. Otherwise pay 1500 plus gst .
Similar case happened with me with SBI PULSE credit card. The guy said it will be LTF but after I got the card they charged me annual fee + GST. I raised a complaint in SBI gave the agent's number and everything and they said I had aggred to pay the charge and closed my ticket. Then I raised the complaint again and this time I talked a bit aggressively and they said I am reverting the charges and told me to use the card for one year and later I can decide if i want to keep or not. I didn't use this card a single time after it was issued. Few days ago I raised the request to close this card and now my card is closed.
And I still get calls from some agent selling LTF sbi cards. I simply say no and cut the call. Now I stay aware and if i find any LTF cards I go to the banks official website to check the offer. If i find then only I apply like recently I got axis Bank my zone and bank of baroda premier for LTF which I applied from the banks website itself.
Can You make a video about this ? Or share with official proof in social media So I can share the details to Cyber Cop whom I personally know.
@@SpunkyMaster i have deleted numbers and recordings now. This happened a while back in Nov22. Didnt knew back then what to do.
But the same is happening in SBI and HDFC CREDIT CARDS also. Also they are following unfair practices to issue cards for the users. This is just another addition.
@@SpunkyMaster I wanted to share this incident with LLA team and wrote this in one of their previous shorts but didn't knew how to contact them.
@@IFennecYouCODM check the about section on their TH-cam channel. They have an email listed to contact them.
HDFC bank agent called me and told for lifetime free millenium credit card for card to card activation offer. card to card means i have already SBI credit card on that basis they issued HDFC credit card.
is this genuin or fraud. i have recorded all calles and customer care verivication call also in deetail way.
plz guide
A similar incident happened with me , I followed each and every step and finally got 2500 Rs as a penalty from SBI for a delay in the reversal of the amount for failed UPI transaction
Hello Sir, I was loosed my 2lakh by cyber fraud and I was complain against it also. But no response from bank side. So can I complain it RBI website ? Please 🙏
Apko paisa mila vapis ? Or Mila to kaisa
Dil Jeet Liya Sir What A Victory ✌️✌️
Very informative and properly researched...
The same case happened with me 2 weeks back I was miss selled with a lifetime free Yes CC but received a AMC one so I registered a complaint but there was not resolution so I just closed the card. Should have gone with RBI 😂
990 rs kam price hai! 😂! LLA v chipka raha hai
Sir I was really searching about this on your channel for a few days and didn't get any video. I'm very thankful to you for the information you gave.
Sir, I want to tell you my I problem in which I am stuck from few days, and I know only you can help me.
I opened a Savings bank account on Punjab National Bank on 2014 and for some reason I left the account on 2015 (thinking that It will close automatically). Now on 21 March 2023 I received a payment which was sent using Adhaar Enabled Payment System, My bad luck that the Adhaar payment was linked with PNB bank account so the payment was credited to the same.
Now the problem comes, According to RBI Guidelines passed on 20 November 2014 (It should be ensured that the balance in the savings account does not turn into negative balance solely on account of levy of charges for non-maintenance of minimum
balance.)
The bank got my Bank account to a negative balance and deducted the charges of around Rs. 8000 after the money being credited. They are not even listening to this and saying that nothing could happen now.
Please help me what should I do, also please tell me if they are wrong or not
Complaint with the customer helpline number, ask them do they had any automatic account closing policy or you only research about it. And then if you are not satisfied with resolution given by the bank then please contact the RBI Ombudsman within 20-30 days of the complaint!!
Thank u sir to give most useful knowledge
You are such a blessing ❤ Have been binge watching your videos ❤
I hate finance, i hate tax and definitely hate investments
But obviously it's a necessary evil
Thanks to you and the team and your honest reviews atleast now i know what to do
And you guys also made tax and investments so easy however i still won't like to do on my own but would try to understand.
I likes mandeep's style he is very funny that's why I like to watch his finances videos
Very good work by LLA
Please keep informating us like this
The most useful and informative video! 👍
One of the most useful video.I was also offered a lifetime free credit card from HDFC Bank, hoping nothing would happen to me like in this case.
I really enjoy your content! Could you please consider making a video about the issues surrounding bank account freezes and how banks are dealing with these account freeze issues and not cooperating with its innocent customers. It’s concerning how banks and law enforcement handle account freezes. If funds haven’t been credited, why do they suspect customers and freeze entire accounts? If a law enforcement agency only requests a lien on a specific amount, it seems unreasonable for banks to freeze all funds. It’s a topic that affects many people, and your insights could really help raise awareness. Thanks for all you do!"
Thank you❤🙏 sir God bless you and your Team LLA
The same thing happened with me for axis bank credit card. but due to lack of call recording i was not able to do anything. I closed my credit card at the end. Very useful video.
thanks aap bhaut logo ki help kr rhe hoo you tube par aur koi aisa nhi kr rhaa aap ki team ko 👍👍👍👍👍
Thank you LLA for the information
I think this the channel are really upgrading my day-to-day life knowledge. We need such influencer.🤟
Same thing Yes Bank did with me. I was told it would be LTF, then after it was issued, it turned out to chargeable, and I validated this before activating it. I didn't activate it, and today after 37 days the card was automatically closed thanks to RBI rules for no charge to myself!
Thank you LLA for this video
Thanks a lot Mahn...
Let me try to dig up my old ICICI case...
Nice video, hats off for the excellent efforts to educate us !
Thanks for sharing the story in details along with proper solutions.🙏🙏
Yes this is the most valuable information sir, thank you so much ❤
Thank you for jagruk information❤
Hi this channel needs to be shared more…keep it up
thk u LLA i’m also stuck in one of the ICICI bank jhamela hopefully they reply me back on time
your this video has helped me a lot
thk u
How long did it take for RBI CMS complaint to close? 😓😓
Best of One 🙏🏼
मेरे साथ भी ऐसा हुआ था एक्सिस बैंक की तरफ से कॉल आया और बोला की लाइफटाइम फ्री क्रेडिट कार्ड मिलेगा लेकिन कार्ड डिलीवर हुआ तो जोइनिंग फीस 599 और GST लगी तो मैंने एक्सिस बैंक वालो को मेल किया तो 15 दिन के अंदर मेरी प्रोब्लम सॉल्व कर दी गई फीस रिफंड कर दी और कार्ड लाइफटाइम फ्री कर दिया गया 😊
SIR thank you so much
apka video dekhkar maine bhi yes bank ki complaints rbi me ki thi aur ajj me bhi lifetime free card ka use kar raha hu
Mere case bhi same manva jaisa tha
Yes bank wellness card lifetime bol kar diya gaya tha bad me muje 750+gst lagayi aur 2 mahine ke bad maine rbi me complaints ki.....
Just one word....
Wah sir wah...❤❤❤
tum or abhi and niyu keetna osom ho yr. 😂😂
Credit card ka number 9211
😂😂😂
Eetne creativity kaha seh leh kr aate ho 💯💯💯🔥🔥🔥❤️❤️
Sir Apne to bahut achi baat batayi.thank you
Love you LLA. Bank waalon ki forceful selling badtameeze bahut bardasht ki hai so now it's time for some "war" har Baar main nahi jhelungi bank manager ke aage I can't keep saying please! Ab uski baari hai call karne ki kyunki literally SBI ne bahut rulaya hai
Thanks man!! LLA is my fav channel
Great job to you and your team, Labour Law Advisor! Your expertise and hard work are truly commendable. It's evident that you're dedicated to providing valuable insights and guidance in the field of labor law. Keep up the excellent work!
Thanks to LLA for the great information.
thnx for sharing.
This has also happened with me last year from HDFC bank. unfortunately I didn't contacted you.