Nbfc complaint

kishore kumar (Querist) 20 November 2020 This query is : Resolved
Hi Sir/Madam,

Earlier I used EMI card of Bajaj Finserv Ltd. But in the month of July 2020, I got an offer to upgrade my EMI card limit to 195000 from 75000 limit. I paid through their wallet and they charged me rs.2999/-. but my "EMI card was blocked by BFL stating 2 EMI cards on my account" as per policy and later I realized that it was fraud from BFL representative. I escalated with them, they refunded back the amount of rs.2999/-.

I tried to reach them multiple times by call/email for unblocking of my EMI card, they replied back stating cannot be unblocked as it was internal policy. Later I escalated to head of customer service and grievance team, they suggested me to visit branch and submit KYC document for unblocking of EMI card. I visited in the month of October and submitted copy of KYC documents, even then it was not resolved. Later I contacted grievance team, they said to revisit branch and submit KYC documents and I revisited in the month of November and submitted my original KYC documents and they scan it.

Even now it was not resolved, I need to know the exact procedure of escalation and can I file RBI Ombudsman, does it fit in RBI Ombudsman NBFC scheme?

Need your assistance

Regards,
Kishore

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Quick Summary

This discussion details a customer's ongoing struggle with Bajaj Finserv's EMI card after being charged for an upgrade that led to the card being blocked. Despite multiple attempts to resolve the issue through customer service, grievance teams, and branch visits, the card remains blocked. The user is seeking advice on further escalation procedures and whether filing a complaint with the RBI Ombudsman for NBFCs is a viable option.

Isaac Gabriel (Expert) 20 November 2020
File case at consumer court and claim damages for torturing you with spurious promises and cheating.

P. Venu (Expert) 21 November 2020
Yes, you can approach the Consumer Forum. However, it could be fruitful if you serve a legal notice.

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