For the last 3 months I am fighting literally a battle with Barclays Bank for it's credit card for which I NEVER APPLIED!
I got a call from their Phone Banking Oficer (PBO) from Mumbai asking if I wish to take their credit card (YATRA-BARCLAYS PLATINUM CREDIT CARD). After listening to the details I okayed and he took all my details over the phone (including PAN!). He also asked me to be ready with the documents at my official address within a week. To my surprise he never turned up and more shocking was that I was barred from applying to this card for the next 6 months! They didn't even tell me the reason, didn't even bother to call me, just an sms and I was left alone like a fool!!!
I again get a call from them within a month (which is against their own company policy of 6 months which bars from re-applying) offering me shamelessly that same credit card. It took a great effort to reach to the higher management hoping that they will solve this issue withing no time. I reported the matter to their customer care and later their operations head (Ms. Aditi Khurana) asked me for some time to bring this issue to a conclusion. I readily accepted. After 2 months of prolonged investigations the final answer was that I will not get a credit card just because this happens to be my first credit card!!! They were unable to verify my credit credentials because neither do I have a credit card of other banks nor do I hold any loan. My good credit record of no loans and liabilities actually proved a disadvantage and hindrance!
For this they kept me waiting for 2 months!!! She (Aditi) even never called me to convey this. It was by mail from someone called Mr. Arif from Customer Service. Moreover, the solution they offered me was that if someone else wants it from my family then I can ask them to take it. Do they expect that after such a treatment I will suggest someone from my family to be subjected to a similar harassment? And if they need it, won't they apply for it directly?
They are so thick skinned people that they don't even respond to mails. Ms. Aditi never replied to any of the mails in which I put her in "CC". Mr. Arif responded after shooting multiple mails asking the same question.
All I need to know now is:
IS IT BARCLAYS BANK POLICY NOT TO GIVE CREDIT CARD TO A FIRST TIMER? AND IF YES THEN WHY WAS I CALLED TWICE?
Stringent action must be taken against this bank because:
1) If all banks follow this principle then a first timer can never get a card.
2) They themselves defaulted on their company policy by giving me a call again within 1 month when they themselves barred me for 6 months for reapplying.
I need a written appology from the Bank not only for the card issue but for this 3 month long harassment. NOTHING SHORT WILL DO. I have promised Ms. Aditi and Mr. Arif to take this matter to the consumer court as their behavior is very arrogant and doesn't stand anywhere close to customer grievance addressal and solution.
I hope through this medium I will get justice.
Regards.
Sumeet Joshi
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