The casebook
40 complaints, 2022 to 2026
Every complaint I have filed under the RBI Integrated Ombudsman Scheme, with the date, the complaint number, who it was against, how it ended and how long it took. Filter, sort, or open any one for the full story.
9ended with compensation
11fixed without compensation
6rejected: no deficiency
11not maintainable
2–154days, fastest to slowest
| Complaint | About | Outcome | ||||
|---|---|---|---|---|---|---|
| 8 Oct 2026 | Spend-offer voucher denied after the purchase was converted to EMI N202627016020854 | Axis Bank | Credit card | In progress Pending | – | – |
| 8 Oct 2026 | Emails from the bank's test system sent to a real customer N202627016020858 | American Express | Credit card | Resolved Partly helped | 33 | – |
| 5 Oct 2026 | Chargeback for a defective laptop declined on proof of delivery N202627016020451 | ICICI Bank | Card dispute | Rejected Did not help | 22 | – |
| 5 Oct 2026 | Third attempt on the same grievance closed as duplicate N202627016020488 | TransUnion CIBIL | Credit report | Not maintainable Did not help | 9 | – |
| 22 Sep 2026 | Chasing the ₹5,000 that was not paid N202627016019626 | Federal Bank | Compensation | Resolved Helped | 16 | – |
| 14 Sep 2026 | The bank's reply to me was addressed to the other customer N202627016018837 | Kotak Mahindra Bank | Savings account | Resolved Partly helped | 29 | – |
| 7 Sep 2026 | Complaint closed as "suggestions and queries" N202627016018265 | TransUnion CIBIL | Credit report | Not maintainable Did not help | 22 | – |
| 2 Sep 2026 | Chasing the ₹50,000 that was not paid N202627016017533 | IDFC FIRST Bank | Compensation | Resolved Helped | 15 | – |
| 31 Aug 2026 | Another customer's record carrying my email since a 2015 bank merger N202627016016780 | Kotak Mahindra Bank | Savings account | Disputed closure Partly helped | 14 | – |
| 17 Aug 2026 | Two credit profiles under one PAN N202627016015602 | TransUnion CIBIL | Credit report | Disputed closure Did not help | 17 | – |
| 16 Aug 2026 | Bank would not say in writing what my credit limit was N202627016015529 | HDFC Bank | Credit card | Resolved Partly helped | 38 | – |
| 16 Aug 2026 | GST invoice dated three months after the charge N202627016015534 | IDFC FIRST Bank | Business account | Compensation Helped | 37 | ₹5,000 |
| 14 Aug 2026 | My email on two other customers' records N202627016015307 | Yes Bank | Savings account | Resolved Partly helped | 33 | – |
| 2 Aug 2026 | Credit card controls broken in the app for months N202627016014092 | Federal Bank | Mobile banking | Compensation Partly helped | 31 | ₹5,000 |
| 16 Jul 2026 | Strangers typed my email into card applications, twice N202627016012638 | SBI Cards | Credit enquiry | Resolved Partly helped | 32 | – |
| 7 Jul 2026 | ₹50,000 because the bank missed the Ombudsman's deadline N202627016011871 | IDFC FIRST Bank | Credit enquiry | Compensation Helped | 42 | ₹50,000 |
| 7 Jul 2026 | Bank admits my email was linked to someone else's home loan N202627016011873 | ICICI Bank | Credit enquiry | Compensation Helped | 27 | ₹5,000 |
| 7 Jul 2026 | A hard enquiry on my credit report with no application behind it N202627016011878 | IndusInd Bank | Credit enquiry | Compensation Helped | 35 | ₹10,000 |
| 29 Apr 2026 | A cc'd email that became a complaint by accident N202627023102482 | IndusInd Bank | Credit card | Not maintainable My own mistake | 8 | – |
| 24 Apr 2026 | Loan enquiry alerts for strangers arriving at my email N202627016002799 | TransUnion CIBIL | Credit report | Rejected Did not help | 40 | – |
| 16 Mar 2026 | A 2023 service request the bank could no longer find N202526016035703 | Kotak Mahindra Bank | Savings account | Resolved Helped | 14 | – |
| 16 Mar 2026 | Bank's account of an application contradicted by its own emails N202526016035713 | IndusInd Bank | Credit card application | Compensation Helped | 43 | ₹5,000 |
| 6 Feb 2026 | Co-branded card stuck in processing N202526016030883 | HDFC Bank | Credit card | Compensation Helped | 11 | ₹1,000 |
| 6 Feb 2026 | Filed ten days after complaining to the bank N202526016030888 | Kotak Mahindra Bank | Savings account | Not maintainable My own mistake | 4 | – |
| 5 Feb 2026 | Filed the day after complaining to the issuer N202526016030750 | American Express | Credit card | Not maintainable My own mistake | 8 | – |
| 19 Jul 2025 | Re-filing a complaint already rejected on merits N202526023262997 | ICICI Bank | Credit report | Not maintainable My own mistake | 12 | – |
| 3 Jul 2025 | Second complaint filed while the first was still open N202526023231938 | Axis Bank | Credit card | Not maintainable My own mistake | 16 | – |
| 5 Apr 2025 | Three months of disputed card charges and copy-paste replies N202526016000405 | Axis Bank | Credit card | Compensation Helped | 104 | ₹10,000 |
| 5 Apr 2025 | Card application complaint closed as a commercial decision N202526016000408 | Federal Bank | Credit card application | Not maintainable Did not help | 13 | – |
| 5 Apr 2025 | Application rejected for a credit score of "-1" when the real score was above 800 N202526016000409 | IndusInd Bank | Credit card application | Compensation Helped | 149 | ₹1,000 |
| 2 Mar 2025 | Unused add-on card reported as an active account N202425016024978 | ICICI Bank | Credit report | Rejected Did not help | 136 | – |
| 5 Nov 2024 | Card declined under an internal policy the bank would not spell out N202425016016337 | AU Small Finance Bank | Credit card application | Not maintainable Partly helped | 28 | – |
| 8 Sep 2024 | Filed one day after complaining to the issuer N202425016012301 | SBI Cards | Credit card | Not maintainable My own mistake | 2 | – |
| 9 Aug 2024 | Card application declined with no reason given N202425016010111 | HDFC Bank | Credit card application | Not maintainable Partly helped | 154 | – |
| 29 Apr 2024 | Currency conversion cost on a card sold as zero forex mark-up N202425016002222 | IDFC FIRST Bank | Credit card | Rejected Did not help | 94 | – |
| 17 Jan 2024 | Cashback on a co-branded card not credited for some spends N202324016022179 | Axis Bank | Credit card | Rejected Did not help | 35 | – |
| 21 Dec 2023 | Bank would not share the fee schedule for a discontinued debit card N202324016020279 | IDFC FIRST Bank | Savings account | Resolved Helped | 68 | – |
| 19 Jun 2023 | Partial refund on a disputed card transaction N202324016005720 | Equitas Small Finance Bank | Card dispute | Rejected Did not help | 52 | – |
| 3 Sep 2022 | Credit card query answered only after escalation N202223016008517 | SBI Cards | Credit card | Resolved Cannot say | 25 | – |
| 16 Mar 2022 | Closed pay-later loan still showing open on the credit report N202122016021875 | Capfloat Financial Services | Credit report | Resolved Helped | 16 | – |
"Days" is from the registration date in the closure letter to the closure date. "Paid" is compensation actually credited, including one ₹1,000 voucher. One complaint is still open and is left out of the averages.
What the numbers say
Outcomes
Complaints by entity
Speed
Median 28 days. Complaints that were examined and fixed took a median of 32 days. Non-maintainable ones were closed in a median of 12.
The 2026 cases have been quicker than the 2024 and 2025 ones, where three took over 100 days.
Money
₹92,000 across 9 complaints. One payment of ₹50,000 is more than half of it, and it came from the bank missing the Ombudsman's deadline.
Appeals
None. Only an Award can be appealed and no complaint of mine has reached one, so the reply to the bank's comments has been my only real hearing.