IDFC Bank — Refund

We always put customers first” sounds so hypocrite statement and does not mean anything to you at all. I hope my email gets to Mr Vaidyanathan or a person who is at a higher authority and realise the malpractice ways used by the bank and clear violation of human rights because of pathetic services. Anyways, I am soon going to post it on social media channels for the whole world to read it with one copy to my lawyer to file a lawsuit against you.

Although, I have repeated my concern a thousand times now but I am unsure if the notes are updated in a rightful manner so I will tell you in a very precise manner and it’s my right to face the harassment because I’ve a concern of only Rs. 10000. Hope it gets to someone who understand basic english as I am making sure while writing this email, that it’s not difficult for anyone to read. I am writing it now in a condition with no food in my belly from 2days and no sleep at all from last 2 nights and my eyes, they hurt bad writing it but do you care hurting your eyes to read it?

I have been used to it every morning now regardless of my work balance, career, my physical and mental health at stake due to your prolonged harassment. I told one of the executive a couple of days ago that I had no money to eat and fuel to go to work but she asked me to wait and blamed the process, I asked her shall I die waiting for it with no food?
She still asked me to wait for the turn around time as per the bank process. Is your bank even bigger than a citizen life? What a joke on human rights, no?

Date 3rd April 2023
VKYC initiated
I applied for a Wow credit card with your bank and the first face of your company perhaps Varun I saw during vkyc was the first person which I saw in my life with positivity oozing out from his face and the executive was in state of continuous bliss and happiness and I was hyptonised to believe that this bank is leading the way in India in terms of digitilization however all his smile seemed to be pretentius when he told me that he could not help me at all with procesing my application with a soft copy of pan card as I was not having it at the time, and when I asked for help to arrange a meeting with a person who can visit my office to complete my application and help me with EKYC. He again with a face which was in state of bliss denied that he is bound and can’t help arrange the meeting. He told me to give a call to customer service. When I asked if he could atleast do one favor and send me a text or email with their contact no, he said he can’t do it too and blamed it again on the process which could not be any flexible at all, which made me feel that I’m a poor immigrant with no passport and trying to cross a foreign land in an illegal manner which is against the rules and can’t be moulded by any chance. What’s the point of this whole vkyc process? A person representating the whold face of your bank and infact the first point of contact is so bound by the process and showing a weak side of him that he can’t do anything at all, not even a text or email he is allowed to send to a customer with customer service contact details.

I called[protected] the only contact no. I found on the whole internet so I preseed 6 to connect with an agent after a never ending waiting time. I was refused again for any help and he transferred me to credit card team with a long hold again. I consumed all my break time doing it. I made several calls after this as nobody seems to understand the situation and sounded helpless. An agent I spoke a few days ago even denied Ekyc is possible and said Its mandatory to have hard copy and this is related to present situation when I have made so many requests, escalation to get my money and shows the lack of training required at your call centres.

5th April EKYC initiated
After making multiple requests, I asked for Manager but was refused on multiple calls with agents repeating the same script that ‘manager is on a call after putting me on mute, hold and sometimes leaving me with a dead air. I got a hold of him finally Deepak and he quickly understood and made a request for EKYC in a minute or two which was too easy but was an impossible task for the other executives. I also realised speaking with the manager by going through your banking app that one of the executive even logged VKYC request one more time instead of an EKYC creating more delay and making other agents sounding helpless and in a state of confused mind.

10th April- Request for FD Closure
The next day or day after EKYC request, I got a call from the field guy and I was not available atm so asked him to come late in the evening or come at my home address tomorrow. He told me to call a guy as he is not the one who take care of the area where I reside which is only 9min ride from my office address and the bank’s branch address. Now I called the guy, he told he would try his best but told to wait for Monday and blaned it on the weekend. Somehow I believed him and followed up next morning, it was Sunday I believe and one of the guy told me he is at home and not working and the other guy told me to raise the request with customer service again as he could not come without the request. Both played it around very well to save their work and handed me again to customer service. Now, I had to call the line[protected] the haunted line of my life. I made the request for FD closure as I am out of my patience now with your process and my salary spent in emi, rent, food, bills etc. And at this time an emergency came with one of my very close friend and I had to empty all my savings for the sake of his life. After several years, my pocket was empty - I had nothing.

I receive a text that we the big goon bank pretending to help with our sweet smiling faces on video call and sweet scripted voices in a customer service environment acknowledge that I would like to close my Fixed deposit. This never came to my mind that I would receive an acknowledgement text as I am in a very bad situation, even explaining with my screamed voice and sometimes my tired voice with no food and energy left in me that it’s a big emergency and even asked the agents to put it on their crm notes. But, they could repeat the same lines 1000 times blaming on the turn around time. When you are in a emergency or any difficult situation, you realise the true nature and colours of people. The executives are well trained to carry a stone heart with no empathy and emotions, no initiative to help a client who even told them his mental and physical health being affected due to no money. And now I am in a state of calling the haunted line repeated times, all of the executives came with their brand new opening script that we always put our customers first mocking me everytime I give them a call.

Refund Initiated on 12th April 2023
Manager is like a God which is too difficult get hold of but somehow I got hold of a guy named Arpin, who blamed the turn around time and repeated it in a tireless manner but somehow when I made his work more difficult, I receive a text the refund has been initiated giving me some hope that I will get my money soon now but soon it ended into a despair when I gave it a good read that refund is just initiated after the acknowledgement and not processed. And this guy was not ready to accept that he had to do it over the call and made me believe its a coincidence I receive a text when I am on call with him. I somehow made him admit that he is a floor supervisor, team lead and manager at the same rime, that is a different part and nothing against this guy. He kept me engaged with the fancy words and making me assure the fixed deposit has been liquidated.

I was confident as I got the refund reference no. on my email but soon come to know with ICICI bank that IDFC bank has given you the same reference for the transaction that created my FD and they were clueless about any refund.

A different call to your haunted line- Now, I don’t remember the name of this lady who assured me that she is a senior and told me about the liquidation process 100 times like Arpin. Now, by this time I read the refund email once again and it only says about the refund initiated by IDFC bank, and not being processed. After making it difficult for her, she told me about recons team which work at backend and are responsible to process it. I requested her several times to treat it as an energency and realise the severity of the situation affecting my health, both mentally and physically and my career and work being at stake however her principles were too strong being a part of Idfc bank who always put their customers first no matter what. But she promised as it was a bank holiday on Friday, she wiil give me a callback on Saturday and drop an email to backend team and even personally requesting them to process it sooner.

It’s now 6:37 and been writing it since 2 hours on my phone with my eyes and wrist and my spine hurting bad being in the same state.

Recently, in a day or 2 - I have been getting calls from Mumbai centre so frequently making me feel like that I took the bank’s money and getting calls from collections. I am not always available to pick up the calls a