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Submit your complaint →Tarun Kumar Vimal, a Canva Designer, publicly accused Yes Bank of misleading customers through false sales promises regarding lifetime free credit cards. He revealed that a Yes Bank associate misinformed him about joining fees and later received contradictory terms. This article details his experience, the legal cases that can be filed, and how Choice4Voice.com can help victims of similar Yes Bank credit card mis-selling complaints.
Complaint Summary
| Complainant Name | Tarun Kumar Vimal |
|---|---|
| Profession | Canva Designer |
| Company Complained Against | Yes Bank |
| Product/Service | Yes Bank Credit Card |
| Nature of Complaint | False sales promise, misleading communication, mis-selling of credit card |
| Incident Date | 24 October 2025 |
| Amount Involved | ₹5,000 minimum spend condition for joining fee waiver |
| Complaint Source | |
| LinkedIn Post URL | (Original post by Tarun Kumar Vimal) |
Full Complaint Details
Tarun Kumar Vimal, a Canva Designer, shared a serious concern on LinkedIn regarding Yes Bank’s misleading credit card sales practices.
According to Tarun, on 24th October 2025 at 11:43 AM, he received a call from a Yes Bank associate named Ahsan Raza, who offered him a Yes Bank Credit Card.
When Tarun clearly asked whether the card was lifetime free with no joining or annual charges, the associate confirmed that it was entirely free. Based on that assurance, he agreed to apply for the card.
However, by 7:25 PM the same day, he received a message stating that he must spend ₹5,000 in the first month to get the joining fee waived. This directly contradicted what the associate had promised.
Feeling cheated and misled, Tarun expressed his frustration online, saying:
“Please Yes Bank, stop hiring such dishonest salespeople. I only wanted a lifetime free card, but your team lied. Cancel my credit card application immediately.”
His post quickly gained traction as several other users shared similar experiences with false credit card promises and unethical sales tactics used by bank agents.
Legal Case Can Be Filed
In cases like this, multiple legal remedies are available under Indian consumer laws. Below are the legal options available, along with how Choice4Voice.com can help in each step.
1. Consumer Court Case (Under Consumer Protection Act, 2019)
A case can be filed for misleading information, unfair trade practice, and emotional distress caused by the false promises of a bank representative.
👉 How Choice4Voice.com can help: We help draft a Consumer Forum complaint with proper documentation such as call logs, messages, and screenshots, ensuring your case is strong and admissible.
2. RBI Ombudsman Complaint
As per RBI’s Banking Ombudsman Scheme, you can file a complaint against mis-selling of banking products like credit cards or loans.
👉 How Choice4Voice.com can help: We provide ready-to-use RBI Ombudsman complaint templates and guide you through filing it at https://cms.rbi.org.in for faster action.
3. Legal Notice to Yes Bank
A formal legal notice can be issued demanding immediate cancellation of the application and written clarification about the misrepresentation.
👉 How Choice4Voice.com can help: We can prepare a professional legal notice addressed to Yes Bank’s customer grievance cell to initiate corrective action.
4. FIR for Cheating or Misrepresentation (Under IPC Section 420)
If the intent of the sales associate was to deceive by providing false information, a criminal complaint under Section 420 (cheating) can be filed at the local police station.
👉 How Choice4Voice.com can help: We provide FIR templates and step-by-step filing guidance through your nearest cyber or local police station.
5. Complaint to Banking Codes and Standards Board of India (BCSBI)
A complaint can also be lodged with the BCSBI for violation of banking ethics and customer protection codes.
👉 How Choice4Voice.com can help: We draft the official complaint letter format and guide submission to relevant banking ethics boards for escalation.
How Choice4Voice.com Works
Choice4Voice.com is a consumer advocacy platform that gives power back to customers who have been ignored or mistreated by companies and service providers.
Here’s how it operates in detail:
- Submit Your Complaint:
Consumers can easily report their issues through our official Google Form on the website. - Verification:
Our team verifies the authenticity of each case and checks supporting evidence before publishing it. - Public Awareness:
Once verified, the complaint is published on Choice4Voice.com and LinkedIn, tagging relevant companies and authorities for public accountability. - Escalation Support:
We help victims escalate their issues to Consumer Forums, RBI Ombudsman, Cyber Crime Portals, and government departments. - Legal & Documentation Assistance:
We provide ready-to-use templates for complaints, FIRs, legal notices, and grievance emails — making the entire process quick and professional. - Impact:
By amplifying consumer voices, Choice4Voice.com ensures faster resolutions, corporate accountability, and systemic reform.
Author
Tarun Kumar Vimal is a Canva Designer who also creates visiting cards and digital brand materials. As a creative professional, he emphasizes honesty in client relationships and expects the same transparency from brands. His decision to expose Yes Bank’s misleading credit card sales practices demonstrates his courage and commitment to truth and consumer awareness.
Q&A About Yes Bank Credit Card Complaints
Q1. What is Yes Bank being accused of in this case?
Yes Bank is accused of mis-selling a credit card by falsely claiming it was lifetime free.
Q2. What is mis-selling of a credit card?
It occurs when a bank representative gives false or incomplete information to make a sale.
Q3. Can I cancel my Yes Bank credit card application?
Yes, you can cancel it by emailing yestouchcc@yesbank.in or visiting the nearest branch.
Q4. What proof is needed to file a consumer complaint?
Keep all SMS, emails, and call recordings as evidence of false promises.
Q5. What is the RBI Ombudsman?
It’s a free grievance redressal mechanism provided by the Reserve Bank of India for banking disputes.
Q6. Can I get compensation for mental harassment by Yes Bank?
Yes, under the Consumer Protection Act, compensation can be sought for distress or inconvenience caused.
Q7. How long does the RBI Ombudsman take to resolve a complaint?
Usually within 30 to 60 days, depending on case complexity.
Q8. Can I file a complaint online?
Yes, through https://cms.rbi.org.in or via Choice4Voice.com for public visibility.
Q9. What happens if Yes Bank doesn’t respond to my complaint?
You can escalate it to the Banking Ombudsman or file a Consumer Forum case.
Q10. Is recording bank calls legal for evidence?
Yes, if used only for personal evidence in your consumer complaint.
Q11. Can Choice4Voice.com help with legal drafting?
Yes, the platform provides custom complaint templates and legal draft guidance.
Q12. Are joining fees mandatory for Yes Bank cards?
They vary — always confirm through official Yes Bank terms before applying.
Q13. What section of law applies to false banking promises?
IPC Section 420 (Cheating) and Consumer Protection Act, 2019 provisions.
Q14. Can I share my Yes Bank complaint publicly?
Yes, posting on LinkedIn or Choice4Voice.com increases visibility and pressure for resolution.
Q15. How to reach Yes Bank customer care officially?
Email: yestouch@yesbank.in or visit yesbank.in.
Q16. What if the associate was not an official employee?
You can still hold the bank liable for actions of its authorized representatives.
Q17. Can I get a refund of joining fees?
Yes, if mis-selling is proven, the bank must refund any fees charged.
Q18. What is the best way to document the issue?
Keep screenshots, emails, and timestamps of all communication.
Q19. Can I take legal help for such small cases?
Yes, Consumer Forums allow self-representation without lawyers.
Q20. How can Choice4Voice.com help me directly?
Visit www.choice4voice.com and submit your complaint. The team verifies and publishes your case, helping you take it further through legal and consumer protection channels.
