RBL Bank — Sold Insurance Premium without customer's consent

Address:

E-803 Bestech Grand Spa, Sector 81

My Name is Abhinav Srivastava and I am using a credit card of RBL Bank Ltd. and Last month I came to know when I Drilled down to my credit card bill that RBL bank is charging Insurance premium from my credit card without my consent.

I wanted to let you know few facts about my case, I have received several calls from RBL Bank's Sales executive and they asked me to sell their insurance policy but I denied it everytime they called because I never wanted it but then also if I can see they are charging the premium for that policy every month with GST and this amount is coming around Rs. 55 every month and they are charging it from last 6 months unfortunately due to this pandemic situation I was quite occupied in few other things so did not drilled down my credit card bill and trusted them that they must be generating bill for the correct amount but when I get to know this last month I immediately emailed them about my concerns and they have replied me as we tried to reach out to you but you were not available so I asked them that How can you sell your insurance policy to the customers without taking consent from them and all the time I emailed them they send me the same reply as the freelook period for this policy is 30 Days and we can not cancel it as I asked them to refund all my amount back to my credit card limit. They have charged this amount in this month billing as well and denying to refund my money instead they are asking for the remaining premium amount from me in order to cancel this policy. This is something is very unethical behaviour by the RBL Bank that instead of giving me the proof of my consent they are asking more money from me to get this closed. I would like to request you to please look into this matter and help me with this I want this policy to be cancelled and bank should refund all my amount back with GST as they have sold this policy to me without my consent and have took the advantage of this pandemic situation as I was quite occupied with my office and my personal work pressure due to pandemic. They used to reply me that we tried to contact you but couldn't establish a contact So I wanted to ask do they have this kind of policy that if customer will pick up our call we will sell anything to them and charge any amount from their card. I am also attaching the full conversation I had with the bank till now.