- Bank Name
- RBL BANK
- Customer Care Number
- 912261156300
- Loss Amount
- 5000
- Ratings
Complaint to RBI Banking Ombudsman under Integrated Ombudsman Scheme, 2021
1. Name of the Complainant:
Ravi Joshi
2. Registered Mobile Number:
9891393473
3. Email ID:
ravijoshi1998@gmail.com
4. Name of the Bank:
RBL Bank Ltd.
5. Type of Complaint:
Mis-selling of Credit Card, Non-disclosure of Charges, Unauthorised Debit of Charges, Deficient Customer Service, Violation of Fair Practice Code
6. Credit Card Details:
Last 4 digits: ****5797
⸻
7. Details of the Complaint:
I applied for an RBL Bank credit card through the bank’s authorised third-party representative Mr. Harsh Sharma (Mobile: 99685 12077) from Teamlease Company, Jhandewalan.
At the time of application, I was informed only about 7.5% cashback benefits. The executive did not disclose any information regarding:
• Charges on reward point redemption
• Fuel surcharge or transaction charges
• Any hidden or conditional charges linked with card usage
Later, when I raised a complaint, the same executive accepted that such information was not shared with me, clearly indicating mis-selling and misleading sales practices.
Since card activation, extra charges have been continuously levied on petrol pump transactions, which I unknowingly paid for the last 10 months. These charges were never disclosed at the time of sale and caused financial loss.
I have contacted RBL Bank customer care multiple times, but calls do not get connected even after waiting for 30–60 minutes. My grievances were not resolved despite repeated follow-ups, which amounts to deficiency in service.
⸻
8. Relief Sought:
I respectfully request the Hon’ble Ombudsman to direct RBL Bank to:
1. Refund all unauthorised charges deducted in the last 6 months
2. Investigate and take action against the third-party agent and agency involved
3. Provide written clarification of all charges applicable on my credit card
4. Compensate for harassment and deficiency of service
5. Ensure compliance with RBI Fair Practice Guidelines for future customers
⸻
9. Previous Complaint to the Bank:
Yes (multiple emails and calls made; unresolved)
10. Date of Last Communication with Bank:
Receiving same mail continuously
12. Declaration:
I hereby declare that the information furnished above is true and correct to the best of my knowledge. This complaint has not been previously settled or rejected by the Ombudsman or any court/tribunal.
⸻
Signature:
Ravi Joshi
Date:
22-01-26
Contact - 9891393473
1. Name of the Complainant:
Ravi Joshi
2. Registered Mobile Number:
9891393473
3. Email ID:
ravijoshi1998@gmail.com
4. Name of the Bank:
RBL Bank Ltd.
5. Type of Complaint:
Mis-selling of Credit Card, Non-disclosure of Charges, Unauthorised Debit of Charges, Deficient Customer Service, Violation of Fair Practice Code
6. Credit Card Details:
Last 4 digits: ****5797
⸻
7. Details of the Complaint:
I applied for an RBL Bank credit card through the bank’s authorised third-party representative Mr. Harsh Sharma (Mobile: 99685 12077) from Teamlease Company, Jhandewalan.
At the time of application, I was informed only about 7.5% cashback benefits. The executive did not disclose any information regarding:
• Charges on reward point redemption
• Fuel surcharge or transaction charges
• Any hidden or conditional charges linked with card usage
Later, when I raised a complaint, the same executive accepted that such information was not shared with me, clearly indicating mis-selling and misleading sales practices.
Since card activation, extra charges have been continuously levied on petrol pump transactions, which I unknowingly paid for the last 10 months. These charges were never disclosed at the time of sale and caused financial loss.
I have contacted RBL Bank customer care multiple times, but calls do not get connected even after waiting for 30–60 minutes. My grievances were not resolved despite repeated follow-ups, which amounts to deficiency in service.
⸻
8. Relief Sought:
I respectfully request the Hon’ble Ombudsman to direct RBL Bank to:
1. Refund all unauthorised charges deducted in the last 6 months
2. Investigate and take action against the third-party agent and agency involved
3. Provide written clarification of all charges applicable on my credit card
4. Compensate for harassment and deficiency of service
5. Ensure compliance with RBI Fair Practice Guidelines for future customers
⸻
9. Previous Complaint to the Bank:
Yes (multiple emails and calls made; unresolved)
10. Date of Last Communication with Bank:
Receiving same mail continuously
12. Declaration:
I hereby declare that the information furnished above is true and correct to the best of my knowledge. This complaint has not been previously settled or rejected by the Ombudsman or any court/tribunal.
⸻
Signature:
Ravi Joshi
Date:
22-01-26
Contact - 9891393473