Filed the day after complaining to the issuer

Bank · Credit card · premature

Complaint no.: N202526016030750
Against: American Express
Filed: 5 Feb 2026
Closed: 13 Feb 2026
Time taken: 8 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 wrote to the card issuer on 4 February 2026 and filed with the Ombudsman on 5 February.

What the entity said

Not asked to respond.

What the Ombudsman decided

Closed in 8 days as premature. The letter advised waiting out the 30 days and filing again if the reply was unsatisfactory or absent.

My own mistake

Did the Ombudsman help?

My mistake. Filed too early.

What I took from it

I knew the rule and filed early anyway. It costs you about a week and a closed complaint on your record. Wait for day 31 or a final written rejection.

Related complaints

Emails from the bank's test system sent to a real customer (American Express, 2026) Resolved

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.