The RBI Ombudsman closed my complaint and the portal won't let me appeal. Which closure sections can't be appealed? Is it worth claiming compensation in every complaint, and how much should I ask for?
1 Answers
In the RBI Ombudsman, they always close the complaints in a section, which can't be appealed further. I have filed at least 8-9 complaints in last 5 years and all the time they close them in those sections.
It's difficult to move beyond the RBI Ombudsman, but luckily, I have always got a resolution which was either favourable or I was satisfied with the response.
My past complaints have been closed under the following sections: the RBI site is not allowing me to appeal in any of these cases when I click on the Appeal button.
14(9)((a)/(b)) 3(1)(h)
16(2)(a)
16(1)(a)10(1)(a)
16(1)(a)10(2)(a)
10(2)(b)(i)
No, I didn't get compensation in all cases. Only in one case, I got out of 11 since 2019.
Yes, it makes sense to demand compensation in each case.
I have put a random figure of Rs 10,000 in most cases. But in none of these cases, I have any (or much) financial loss.
Complaints were about:
- Not removing the active entry from CIBIL records even long after credit card/loan closure
- Credit card rejection without specifying the reason.
- Not accepting disputes on a transaction.
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