Whilst it is true that they verify the document by clicking the
photograph, but do note that they also verify the signature from your
PAN records which is accessible to banking companies from the ITD
directly.
Further, their CBS softwares are capable of handleing different
signature patterns and detect counterfeiting if any. That is how in fact
cheques are also authenticated for signatures in CTS.
Legally they are not wrong in requesting customer for physical KYC due
to usage of biometrics i.e. thumb impression.
On 21/03/2022 10:14, Mahesh S. Panicker wrote:
Think they authenticate your ID, PAN and Aadhar, and match it with the
person. You have to show them the documents in a way wherein they can
click a photograph of the document. They would also need to click you.
This is what I was told by both Standard Chartered and American
Express. So its not really about the signature, as the application is
anyways taken online. So, ICICI shouldn't create much fuss really. You
should surely not let it go, fight it out, they do have processes to
get cards issued to blind person, just that most people dealing with
it aren't aware of the same.
On 3/20/22, Amar Jain <[email protected]> wrote:
Bharat-authenticating thumb impression on a video kyc is not possible.
CEO or nodal officer or compliance officer can correct the situation
before
it gets escalated.
Letting RBI know only helps from the perspective of data collection
perspective.
Regards,
Amar Jain
Sent from my iPhone
On 20-Mar-2022, at 9:49 PM, Bharat <[email protected]> wrote:
I generally wonder, how are people who put their signature instead
of
a thumb impression are more reliable & trustworthy. Even the blind
people, if they can't vouch for their own signature, which most of
them cannot, how & why are they should be taken at the face value?
The entire world seems to be against those who don't sign but use
their thumb impression to authenticate themselves.
Thank you,
Bharat.
On 3/20/22, Bharat <[email protected]> wrote:
Isn't that hillarious? the CEO of the bank needs to authorise
extreme
dangerous concern of the issuance of a credit card to a blind
person!
Wow, I am seriously impressed. Every 2 days I receive a call asking
me
why did I not complete my KYC? As soon as I tell them of my
blindness.
They tell me they would check & get back. & of course, they never
get
back.
Thank you,
Bharat.
On 3/20/22, Amar Jain <[email protected]> wrote:
Bharat-very interesting!
I Did apply but when they said that follow physical process, I left
it.
One advice I would have given was to write to the CEO and then
approach
RBI.
But since you have already filed, then let’s wait.
Regards,
Amar Jain
Sent from my iPhone
On 20-Mar-2022, at 5:37 PM, Bharat <[email protected]> wrote:
the challenge is, while trying to file a follow up complaint with
the
hiegher ups, it started asking me to choose the correct cotegory
&
refused to allow me to proceed to the next level.
About the social media bit, you are right. Wonder, how i never
thought
of
it.
Thank you,
bharat.
On 3/20/22, Mahesh S. Panicker <[email protected]> wrote:
In the mean time, you can also use ICICI's social media pages to
highlight the issue. Post comments to some of their posts, then
send
a
private message detailing the issue. Also, keep the channels
opened
with the higher authorities in the bank, the nodal officer,
principal
nodal officer, and also try finding out the CEO desk mail ID and
let
them know about the issue. Based on my experience, the people at
the
higher levels at ICICI, seem to be more sensitive and sensible.
On 3/20/22, Bharat <[email protected]> wrote:
I have finally gone ahead & complained to RBI regarding this.
Although
I couldn't manage to save my complaint copy due to some
confusion. I
tried to reach out to their futher complaint authorities but all
the
time i Kept getting a message saying this particular complaint
doesn't belong to their queue.
Lets see, what does ICICI bank say about it.
Thank you once again to everyone for their guidance in this
regard.
I
would get back to you with what happens in this regard.
thank you,
bharat.
On 3/20/22, Shek Mohammad Ali <[email protected]> wrote:
I'm also puzzled how they are stating that physical KYC is no
more.
I just did physical KYC in HDFC by visiting to the branch
yesterday.
On the other hand, I had applied for am Icici card couple of
months
back
but
had not got any update concerning my application though.
Probably internally they might have discontinued physical KYC
and
please
ask
them to provide circular/notification from the RBI or from
Icici
itself.
Thanks and best regards,
Ali
Sent from my iPhone
On 19-Mar-2022, at 9:13 PM, Harshit Lohia <[email protected]>
wrote:
Hi,
RBI guidelines on Video KYC can be accessed from the below
link
https://rbidocs.rbi.org.in/rdocs/notification/PDFs/NT354BE2BCC23B344982BD5793737940EFF3.PDF
On 3/19/22, Harshit Lohia <[email protected]> wrote:
Hi Bharat,
Proceed with registering your complaint with RBI Ombudsman. I
am
not
aware of RBI guidelines by which physical KYC is permanently
closed.
On 3/17/22, Bharat <[email protected]> wrote:
Hi all,
I have heard from ICICI regarding my request. As expected,
they
refuse
to help. Should I still continue to persue their complaint
redressal
system or directly reach out to RBI in this regard.
Please have a look at the below mail:
---------
Dear Customer,
Greetings from ICICI Bank.
Hope you and your loved ones are healthy and safe.
We sincerely regret for the delay in response and
inconvenience
caused
to
you.
Based on our record your application is not eligible for
video
KYC.
In case you wish to do video KYC, we suggest cancelling the
application and applying again. You can opt for Video KYC in
the
new
application.
However, please be informed that the cancellation request
will
take
7
working days to get processed and the application will be
de-linked
in
another 7 working days.
Hence you can apply again only post 14 working days. Please
revert
back to us with your confirmation and we shall raise a
request
for
cancellation.
Please be informed that due to RBI guidelines, Physical KYC
is
permanently closed. You can only apply through Video KYC if
Aadhaar
linked with your mobile number and complete address updated
in
your
Aadhaar.
Looking forward to more opportunities to be of service to
you
Thank you for giving us the opportunity to serve.
Bank Digitally and Stay Safe!
Sincerely,
Manimegalai R
Customer Service Officer
ICICI Bank Limited
On 3/16/22, Bharat <[email protected]> wrote:
Hi Harshit,
Thank you so much for the prompt reply. I would surely do
that
in
case
nothing works & would certainly get back witht he final
outcome.
Thank you,
Bharat.
On 3/15/22, Harshit Lohia <[email protected]> wrote:
Dear Mr. Bharat,
Please note the date on which you have made a complaint to
ICICI
bank.
On 30th day of filing complaint with ICICI bank approach
RBI
Ombudsman
via CMS portal. The link is available on RBI's official
website.
While
registering the complaint mention that you have approached
the
bank
on
which date; your declaration in this regard may suffice.
You
may
choose to attach any other document/communication such as
mail
regarding schedule of KYC call or application copy. If you
don't
have
any document you may submit the complaint without any
attachment
also.
This pressurises the bank to act with urgency.
Regards
Harshit
On 3/15/22, Bharat <[email protected]> wrote:
Hi,
Here is the update on this. My Kyc has now been
rescheduled
for
the
3rd time. On each of these days, let alone the
represetative
visit,
I
haven't even received a phone call from anyone.
I have also written to ICICI on their website for the 1st
level
complaint but to no avail as no one got back to me.
Considering,
ICICI
did not send me a copy of my submission to me despite
asking
for
my
email ID at the time of submitting my request, I don't
even
have
a
proof of my submission.
I called up the Amazon customercare who assured me that
they
have
raised my concern to the verification department & have
lined
up
my
request at the high priority. In such a scenario I
technically
have
no
proof of having reached out to ICICI to be attached at
the
time
of
complaining to banking ombudsman.
Thank you,
Bharat.
On 3/10/22, Harshit Lohia <[email protected]> wrote:
Hi,
Write a complaint to ICICI bank on their website using
their
online
grievance redressal form. Mention that if they do not
comply
within
30 days, you will be forced to file a complaint with RBI
Ombudsman
as
per the provisions of RBI circular on 'Banking services
to
senior
citizens and the disabled' dated November 9, 2017. They
will
surely
respond.
On 3/9/22, Mahesh S. Panicker
<[email protected]>
wrote:
Standard Chartered did V KYC for me without drama. With
ICICI,
it
was
originally very difficult, pre-Covid times it was and
they
originally
refused to process my documents after home KYC. As I
kept
writing,
and
using up all avenues of protest and complaind, they
eventually
processed my application. It was the ICICI Platinum
card.
On
the
basis
of that card, I got the AmazonPay card issued without
any
issues,
and
the onboarding process in that case took just a couple
of
minutes.
On 3/9/22, Sandesh <[email protected]> wrote:
You could certainly schedule for V KYC and it has to
be
done
without
any
issue.
You could also write to Amazon and ICICI bank telling
them
these
things.
and if you are comfortable for home KYC, ask them why
even
after
making
it
scheduled is not done so far? Amazon would certainly
be of
assistance
here.
I did get this credit card about 2 and half years back
without
any
problem.
the person came to my residence and everything went
smoothly.
Vande Mataram
----- Original Message -----
From: "Bharat" <[email protected]>
To: "AccessIndia: a list for discussing accessibility
and
issues
concerning
the disabled." <[email protected]>
Sent: Wednesday, March 9, 2022 9:36 PM
Subject: [AI] KYC for banking facilities for the blind
Hi all,
I recently filled up the online application for the
Amazon
ICICI
credit card & was presented with the video KYC
option.
Once
I
opted
for that, the representative refused to conduct my
KYC
once
she
realised me being blind. She instead suggested me to
opt
for
the
home
document collection option.
I have scheduled the home collection thrice but no
one
has
come
up
for
it till now.
I would like to know, if the video KYC is not for the
blind.
&
if
yes,
then what are the rules for it.
Thank you,
Bharat.
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