RBL Bank — the ratnakar bank ltd rbl bank credit line has been declined without proper reason

Website:

www.rblbank.com

Hello my name is, mohammed naseer ahmed, mobile number: [protected], email: [protected]@gmail.com,
I have applied for a rbl credit card through et money, as they are patnered together, et money e-verified my adhaar, pan card and all of my personal details, they gave me confirmaiton that i am eligible to get 40k line of credit after verification from rbl, then rbl verified my official email id, they asked my short video with id proofs, they asked my selfie, they asked every possible proofs they can,, finally they wanted to verifiy my office physically,, i got a call from rbl on 20th july, stating that there verification officer unable to reach my office, i explained them the address, with proper landmarks, they abruptly ended the call, and today july 23rd, one of the agent from rbl called again asked my office timings, i told them that i would be availble after 5pm evening and without even verifying my office, now i got an sms stating my application is declined without giving proper reason.. This is really unfair, it is going to hit my cibil, because of their lack of verification process, i am penilized, i am prepared to file offcial complaint to ombudsman, if i dont get any help. As per rbi circular dbod. No. Leg. Bc.65/09.07.005/[protected] dated march 6, 2007, banks have been advised that in case of all categories of loans irrespective of any threshold limits, including credit card applications, banks should convey in writing the main reason/reasons which in the opinion of the bank have led to the rejection of the loan applications. It is reiterated that banks should convey in writing the main reason/reasons which have led to the rejection of the credit card applications.

Please help me to sort this situation