Filed one day after complaining to the issuer

Card issuer · Credit card · premature

Complaint no.: N202425016012301
Against: SBI Cards
Filed: 8 Sep 2024
Closed: 10 Sep 2024
Time taken: 2 days
Scheme: RB-IOS 2021
Closure clause: 16(1)(a) r/w 10(2)(a)(i)
Did it help?: My own mistake
Compensation: None

What happened

I complained to the card issuer on 7 September 2024 and filed with the Ombudsman the next day.

What the entity said

The issuer was never asked to respond.

What the Ombudsman decided

Closed in two days as a "first resort complaint": the entity had not been given 30 days.

My own mistake

Did the Ombudsman help?

My mistake. I filed a day after writing to the issuer.

What I took from it

The 30-day wait is checked from your own attachments. If the dates on your documents show less than 30 days and no final reply, the complaint is closed at intake.

Summarised from the RBI closure letter and my own correspondence. Names of individuals, account numbers and reference numbers other than the complaint number have been removed.