Reserve Bank of India [RBI] Complaints & Reviews

I have win rs 3, 00, 00, 000in shell oil petroleum company for transferring the money they said that you have to deposit 18, 700 rupees and i deposited the money to the account and they said send the payment receipt to (Rbi. [protected]@underpaid.co.in) and i sent they said your money 3, 00, 00, 000has been sent on with 24 hours but now they said that you have to deposit 85, 550 for account upgrading code department but firstly they didn't said this information and other details what can i do, please help me!

Sir i bought a mobile on emi through hdfc finance. Emi started on january which emi deducted from bank account. But second emi did not deduct from bank. Bank wants second emi as cash with panelty. But i have proper balance in account. So why i give oanelty to bank. But bank says that you will to give panelty. So i request you to help and take step against hdfc bank which branch chhoti baradari, patiala (147001) punjab.

With regard
Anveer singh, patiala mobile-[protected]

Sir my son have mobile shope raja park jaipur since 9 month old. Sir au bank repgentive cont me for buiness loan agenest propertey. Date29 jan 2019, he collet all paer propartey and buiess and personal. Sir he told me 5/7 dayes loan sec tion appex rs 15 lack. Condition 13/14 % int retrest and app 2-2.5 % bank expaces. He collet me rs 5900 cheque advce bank expences. After 25-30 dayes i many time appex 1000 call bank than he traser rs 960000/ bank say he section rs 10lack i told bank manger mr mukesh where my 40000rs he not repley me proper so sir i request u my balane rs 40000 realese and provid me my origal propertey paper list and what condition he section loan and how much instellment and instellment date. Anil jain [protected] [protected] cellphone shoppe raja parjk jaipur

It is observed that mostly all banks even rbi also requiring the certificate from chartered accountant hence we are seeking actual position of banking law in this matter:-
1 - is it needed to make compliance certificate about lrs/btq from chartered account while no such specification is mentioned in notification.
2 - is it needed to sign the project report, estimated balance, provisional balance sheet and also to take attestation of itr, computation of total income from cas
3 - is an advocate not make the compliance for and on behalf of the clients and issue compliance certificate while according to law, an advocate has only prerogative right to practice in law and all compliance according to law and as an advocate i have seen all forms of you, these are likely to held as legal status.
Please confirm me to my address:- dr. V. K. Chatterjee, advocate
R/o, lane no. 3, pragati vihar, post rishikesh - 249 201
Mobile no. [protected]

Loan ac. No.[protected] anir tech park private ltd.,
Lic housing finance limited, sanctioned a sum of rs.57.24 crores to anir tech park private ltd towards rental discounting loan to us on 16.3.2016. The offer was valid for 90 days. The rate of interest charged was very high at rs.12% p. A floating rate. It was very clear in the original sanction order that there will not be any foreclosure charges if the customer opt for floating rate and foreclosure charges applicable for fixed rate of interest.
Due to requirement of some documents which could not be made ready before the expiry of the validity of the offer, we requested for some 15 days time to submit the required documents and lic housing finance limited had consented finally.
Our loan application no.[protected] and following are the terms and conditions exact words stated in the most important terms and conditions;
"c (Rate of interest : floating rate 12.00 % pa.
Under floating rate period, prepayment charges are not applicable."

We requested for the extension of the validity of the offer from 16.6.2016 by our mail dt.9.6.2016 and as we requested for extension of the offer and the same was under consideration of the lic housing finance, it cannot be said that the original offer was lapsed on 16.6.2016.

As per the lic housing sanction letter, our loan offer was re-validated on 28.6.2016. Based on the lic information and communication, we hurriedly signed the loan agreement thinking that there would not be fresh clauses as it is only a re-validation. Re-validation cannot contain any clause which materially affect the original offer and in that case it should be only a fresh offer and a fresh file should have been given. However, in the loan agreement, lic housing finance ltd., seems to have included prepayment charges of 2 % even for fixed rate which originally exempted from prepayment charges and which was not informed specifically earlier. The loan was sanctioned alongwith our jv partner tvh housing in the same complex who owns similar space in other floors and who also availed the rental discounting loan. When they prepaid similar to our prepayment, they were charged only 1% whereas we were charged 2 % which itself discriminatory.

When we realised and noticed the changes after hurriedly signing the loan agreement, we represented to their area manager mrs. Sasirekha and territory manager mrs. D. Shanthie, who promised nil charges and even confirmed the same before our chairman. Pl. See the letter from lic housing finance dt.2.8.2017 page wherein the area manager confirms yes.
Lic housing interest rates were blood sucking rate of 12% which is very very high for a company wherein major share and funds are from lic of india, which is formed by a parliament enacted act, in 1956 formed for the benefit of the people of india.in view of our urgent requirement, the partly state owned company had fleeced like a third rate private company and putting additional clauses against the interest of the borrowers in a deceitful and deceptive way.

As per the official website of lic housing finance limited following are the clarifications in faq section
What if i repay my principal amount in lumpsum?

Prepayment charges are applicable @ 2% on the principal repaid.

Prepayment charges are not applicable on floating rate scheme.

Also prepayment charges issue would arise only if there is a clause for lock-in period and in our agreement of there is no lock in period.

We have represented to the national housing bank, wholly owned subsidiary of rbi whose function is

“... To operate as a principal agency to promote housing finance institutions both at local and regional levels and to provide financial and other support to such institutions and for matters connected therewith or incidental thereto...” and whose vision is

Promoting inclusive expansion with stability in housing finance market

Normally, the nhb refinance the housing finance institutions at a concessional rate whatever their portfolios.
When we complained with national housing board, vide our registered letters dt.6.12.2018 there is no reply and reminder was sent on 26.2.2019.


As the rate interest charged by lic housing was abnormally high and based on the assurances given by their area manager and territory manager, we sourced another loan from a private bank carrying an interest rate of 9.5% and we have prepaid the outstanding balance of lic. Had lic been charging reasonable rate of interest, there was no need to any company to look and go for some other private banks. However, lic housing finance refused to release our documents and blackmailed us into paying a sum of rs. 84, 43, 727/- on 17.8.2017 being 2% foreclosure charges on the outstanding amount and thereafter they released the documents. This is totally unwarranted and unjustified as we have to switch over due to lic housing finance high rate of interest of 12%.
Lic is now asked to refund the illegal charges of rs.84, 43, 727/- along with interest at 18% from 17.8.2017 and are also liable to be dealt legally if they continue to avoid refunding our amount alongwith interest.

Anir tech park private limited
A unit of pioneer homes.
Sivalinga prasad [protected]

I had given old notes of Irs. 17, 500/- on 27th March 2017 at RBI Mumbai and the number on the receipt given was B-87. Till to date I have not received my refund in my bank . Kindly inform me what is the next step I should take since I am non resident senior citizen staying abroad but I need the money for personal use. Please give me email address so that I can send the photocopy of the transaction receipt.

Awaiting prompt response and with regards,

Deepika Banerjee

Dear sir,
Mujhse is company ne loan ki file process karne ke liye rupees 19880 aur kaha ki aapka rupees 1.90 lac rupees aapke account me credit ho jayega. But ab ye log phone pick nahi kar rahe hai. Sir maine ye rupee kisi se interest per liya tha.in logo ki vajah se meri aur meri family ki image society me bahut down ho gayi. Kabhi kabhi sosite karne ka man karta hai.in logo ke against strict action lijiye. Taki ye aur logo se dhokha dhari na kar sake.
Sari detail yaha mention hai.
Company name : northern national bank
Toll free number :[protected]
Contact person : mr. Manish dimri (Branch manager o[censored]nion bank of india)
Account number: [protected]
Ifsc code: ubin0546917
Chennai service branch
Ye person call ke through deal karta hai. Name hai mr. Jatin and contact number hai [protected].
Please in logo per strict se strict action lijiye. Aur mujhe mere rupees dilvayiye aur mai in per maan hani ka bhi case karna chahta hoon

Respected sir,
Our account has a salary account of 6 years at icici branch 6281 lucknow, our account number is[protected], ifsc code icic0006281 is this, i am currently working on the post of customer support engineer in aforeserve.com limited in jodhpur rajasthan, our current monthly salary ctc.15599, and net pay in 12925 rupees, i applied for the personal loan in icici banks jodhpur main branch sardarpura jodhpur for his marriage but jodhpur sardarpura icici branch refused to give loan while, our salary account has been in icici bank for six years, it is a humble request from us that
We have two lakhs please lend your loan our wedding jodhpur icici sardarpura branch.

Thanks®ards
Ashish kumar singh
Jodhpur rajasthan
Mobile [protected]

Sir today i've visited icici branch of kareli. Gtb nagar allahabad 211016 to open the saving bank account. They have compelled me to go for 25000 rupees fixed deposit n rupees 20000 for opening saving bank account.. When i've asked for the circular they ignored and started behaving arrogantly.. Plz take note of this unruly behaviour of icici bank executive. As a aware custumer i have approached your customer grievances centre in hope that other customer do not get harrased.. Thanking you.. Regards nadeem warsi. C-363block kareli. Gtb nagar allahabad. Uttar pradesh 21106..[protected]

Hi team,
Sgb was bought on 6th feb 2019 and the service was acknowledged and closed on 8th feb 2019. Initially i have received a confirmation receipt but i have not received any bond/form after amount deduction of 15gms from my account. The attachment send from ekuber helpdesk is not readable and unable to open it. Please resend the receipt that is readable

We have made full and final payment of credit card of abn amro bank. Abn amro bank was merge with royal bank of scotland n. V. And now phoenix arc is assigned by royal bank of scotland n. V, along with its right /title /security interest and financial documents and as per the records forwarded to them they have uploaded the report to cibil. We have many time asked proof for outstanding amount but every time they only answer that we have been assigned by royal bank of scotland and as per the list your name is their so they have submitted the outstanding report in cibil. For the proof we are submitting last abn amro statement. Hope you will resolve our matter quickly.

Dear sir
I am ijaz hussain jafari i am cashe taking loan same problem with me i am not paying loan emi i take him i paying 2000to 3000 every month what is not accepted please pay all due payment and loan amount i am not paying because that is my condition right now it not good but his call for my family member my friend my boss hi you for bad language how are giving get permission please help for me this kaisi ever customer he used for bad language i just browsing for your site is some customer complaint for that same thing please sir i request to you care this one favourite customer bat feel this told me go for doctor sold your gurda use yesterday and my wife he told that every night you are sleeping is to your husband so bad so so bad please help for me i am go for the suicide really sir i am very sad

From

Prakasan p,

2/87 melapudur,

U k pudur po,

Thottiyam tk,

Trichy dt,

Pin: 621215

[protected]

[protected]@gmail.com

To

The branch manager,

Indian bank,

Meikalnaickenpatty branch,

Thalaimalaipatty po,

Thottiyam tk,

Trichy dt,

Pin: 621215.

Dated the 12th february 2019.

Sub: request for reversal amount against wrong fund transfer regarding:-

Dear sir,

I have an account with your branch, the account number is[protected] and

I made a wrong payment rs.25, 000/- through my account with online payment on

08th february 2019. That fund transfer reference number is[protected], the

Correct bank details as follows account name is[protected] in the name of

Aquanomia aquaculture in icici bank with the branch of vadapalani with the

Ifsc no. Icic0002346. The wrong payment made in the account number is

[protected], kindly reverse amount to my account.

Thanking you.

Yours sincerely,

(Prakasam p)

Please note that just now i had received a phone call from a person from number [protected] (Probably from tamil nadu, as he was speaking tamil).

He asked my bank name and said your debit card is blocked for 6 months and he will be able to reset it. He said he will reset it.

I just hung up the call without giving any details.

I don't want to raise any complaint as i have not lost any money, but please report this number and save others.

India's central bank regional director : y. H. Malegam
Reserve bank of india regional office, delhi,
Foreign remittance department.
New delhi: 110 001, india,
6, sansad marg.
[protected]
Welcome to reserve bank of india!

Dear customer : mr brijesh kumar

Welcome to reserve bank e-banking services, you are currently in contact with online international fund remittance department rbi (Private banking section).

This is to notify you that we have just received the sum total of 98. Lakhs rupees will transfered into a/c) demand draft in your name (Mr brijesh kumar) from [coca-cola mobile draw promo draw 2019 united kingdom ]. Hence, your payment have been processed and ready to be transferred into your personal account. At such, you are requested to fill up the attached form provided for your account details and verification without any form of delay as required by reserve bank of india (Rbi) to enable us expedite action on the transfer of your deposited fund (Df).
Meanwhile, you are to remit the following required charges to enable us convert and expedite action on your transfer and you have to be immediate about the payment:

(1) transferred charges : 9, 075 inr
(2) registration charges : 6, 425 inr
Total charges : 15, 500.00-inr

Upon this regards, we shall therefore expedite action to remit your total amount into your personal provided bank account in which you have been directed through the attached form to fill and re-confirm with the one given to us by your processing agent (Dip mr. John morris).
Thank you for choosing rbi. And we look forward to seen your a foreseen co-operation as it will be beneficiary to you.

Congratulation!!!

Best regards,
Rbi transfer dept.
[protected]

On many complaint to rbi, they does not take any strict action against bank. Because bank staff have no fear of rbi. When you said any banker about rbi he laughing on us. Many bank recovery staff do not know who is rbi.
Before many years, all banks follow rbi rules and guidelines, but now a days no bank and bank staff care about rules and guidelines. Bank having no fear of rbi and its law.
Example : fullerton, indiabulls (Ivl finance)
Some times why feel, is their connection between this firms and rbi staff, so they delay or ignore to take action against them.

Dear sir/mam

I am writting this as I am really fed up from HDFC services.. I am holding an account which is salaried account with HDFC and they had issued me a CC wherein I never asked for it.. with documents they had process my CC... And it's been like 6-7 months back when I got to know they have given me a CC. I called customer care and ask for the cancellation of that card as I never wanted one.. but instead of cancelling they blocked the card.. now after 6 months they are asking me to make the payment of some charges which are yearly charges... I am calling them regularly but not getting any response from them... Please help me as I never asked for the card and these people are penalizing me for making a payment which I am not suppose to pay... This is also impacting my cibil score which will create problems in future.. please help

Thanks and regards
Chahat Nischal

Inr 75000 have been happened from account at yes bank ltd. Through atm on 10th december although the debit card was with me and i was not at the point of transaction. After complaining all the required document has been submitted. Although two months completed till date the was not make available my money to me.
A/c no. [protected]
N cbasantia
Yes bank ltd nungaambakkam, chennai

Respected sir,

I ordered a fossil watch work 9, 000 from amazon and cancelled it later but i haven't recieved the refund after over 2 weeks. I request you take over this matter from bank of india as the officials there are too much sure about their job security and do not wish to work anymore or it maybe that they're indulged in other more important works.

Thanking you
Shivendra mall

Sir
A fraud person calling from snapdeal frouded rs 3 lakh from me by saying u have won 1485000
His details is given below
They have huge gang in west bengal n bihar sir help me to refund my balance
They made rbi msg to
I'll add one snapshot of it for u sent to me
[protected]
Bikash samaddar a/c no. [protected] (Sbi) ifsc code no. Sbin0007004