Situation Saturday night: Lost my wallet with all my cards, cash & a few other things! (had withdrawn some money just earlier that day )
Having decided that I would not get my wallet, I sat down to call all the institution to block my cards reporting them lost. This was after 19:30 hrs IST. I call Bank#1 the “one that understands my world” Yeah right! I am put on hold forever and ever. So, while on hold I call Bank #2 – my “right partner”; managed to block both the debit & credit card I held with that bank & got the cards to be put in for re-issue. Still on hold with bank #1 on the other phone. Called Bank #3 with the tagline “hum hai na” ; after a short hold -blocked the card, requested for re-issue. I was told that I must go to the nearest branch with photo ID to get something called an insta-card. Still on hold with Bank #1!!!!! Lastly, called Bank#4, “Surprisingly” it was a breeze to block and request for re-issue of the credit card I held with them!
Finally Bank#1 phone banker comes on as I was finishing my call with Bank #4. Got the card blocked (it was around 20:45 hrs! 🙂 ) and requested re-issue. The guy said call phone banking again and get it cancelled! Flabbergasted…I was wondering what I was doing right then if not phone banking?!?! I concede and call back, and was informed by the automated voice that I must call between 8am and 8pm for phone banking 😀
Next day: Around noon, I call Bank#1 again. Phone banker 1 answers and says you must have requested it before midnight yesterday for re-issue if you wanted this done over phone banking! I said…yeah I did!!! I recounted everything and the guy says you must have chosen the wrong option!! I said well, if I don’t find the option I am looking for, I opt to talk to a phone banker who was available only between the said times – hence the call then! He says you must have hot listed!??! I was like huh?! what is that…he started giving me lessons on jargons! I lost it and told him to just enable the re-issue, he repeats saying can’t be done on phone banking! I hung up. Called again, had to explain everything again to phone banker 2, who put me on to phone banker 3 saying she would do it. The lady said, no can’t be done, you must have requested it yesterday!!!! Asked for the supervisor…who said the same!!! I (with my sore throat!) said this was the limit! He apologised for both phone banker #1 who said I was wrong for not “hot listing” and for the fact that they could not re-issue the card then by phone banking. He asked me to head to my branch or the nearest branch to get it done. I must say the guy was calm, polite and friendly (sounded knowledgeable too) unlike the rest of the morons I had dealt with!
Was caught up with other problems on Sunday & Monday. Though did get an interesting call on Monday from a division of Bank #2 that dealt with credit cards. She asked questions to confirm stuff. Then was asked what was my last payment for the card. I did not know and did not have the bill/ receipt on hand at the moment. So, she continues; asked me what was my last transaction on the card!!! This stumped me! As you see, I do have quite a number of cards (thanks to my various job stints & salary accounts had to open them, lazy to close them out!) I asked the lady how could she expect me to remember every transaction and the amount!?!? Her answer was these are security questions! I said I wonder how someone who has 10 cards or more can answer these…guess they would get VIP treatment ‘cos they probably will be stinking rich! She succumbed and said that I could call back if I did not receive the replacement card in 5 days time!
Tuesday: Visit to Bank#3. Take a token, wait for close to half an hour. Was asked to sit in front of an officer who goes, I am helping the other lady sitting in front of the other desk, so please wait! Told her politely that I was asked to come sit there, and yeah I would wait. Soon (about 10- 15 minutes later) her attention turned to me. Told her that I had blocked my card, reported it lost and needed the insta card. She looks into my account details and says that since I hold a different kind of account (supposedly privileged one!) I cannot get the insta card!!!! I just did not get it. I asked her if the phone banker had the same access to information and knew what type of account I held. She answered in the affirmative. Asked her why then was I misled into thinking that I could get an insta card?! All she did was apologised for the wrong information given & handed out the form to be filled out & told me I had to wait a week to get the card. Headed over to Bank#1, filled in the form; was told I must get the replacement card in a week’s time.
So situation now: Still no cash (fool that I am believing I would get the instacard did not take a cheque book to withdraw money!) and waiting for the replacement cards to come. So, borrowed money from dad to fill in petrol for my bike :)and no spending on anything at all for that last few days (way to cut down on that right?! 😉 )
Lesson learnt: Do not lose your wallet (btw, yet to get a nice new one 😦 ) If you do, do not believe to get help from phone bankers! Customer service sucks!!