To handle the economy of our country, many types of processes have to be gone through, in which the bank has a special contribution. Banks, whether government or private, both play an important role in the operation of the economy. But many times the account holders of the bank face many types of obstacles while using banking services, sometimes this matter gets resolved but in some circumstances the problem increases so much that the customers have to complain against the bank.
So the question arises that what is the process of complaining about any bank? And to know how you can complain, you have to read this post today. In this post, today we are going to give you information about the complaint of the bank so that you do not have to face any kind of problem.
How to complain about the bank?
Sometimes the situation becomes such during which the customers are not satisfied with the work of the banks and you do not get a good response. In such a situation, you find it necessary to complain about the banks. All major government and private banks in our country provide this facility that if you face any problem, you can register a complaint online.
Sometimes, if you face any problem in registering a complaint online, you can go to your respective bank and submit a hard copy of the application through which your complaint will be resolved.
List of online complaints
If you are not satisfied with the functioning of banks, in such a situation, a list has been prepared through RBI under which complaints can be lodged under problems in various services and relief can be obtained as soon as possible. In such a situation, we are mainly giving you information about the list of complaints in view of which you can complain -
Long time taken in making cheque payments
Transfer of funds from one account to another due to some reason
Problems in internet banking
Inconvenience in mobile banking
Delay in banking services related facilities
ATM related problems
Any other inconvenience related to banking services
Process after filing a complaint in the bank (Bank Complaint)
If you have lodged a complaint in your bank and even after that there is no hearing, then you can get information about the complaint by sending a reminder to the bank.
If your complaint is not resolved even after 1 month, then you can file your complaint with the “Banking Ombudsman” under which there is a provision for easy redressal. If you want to complain against banking, then you can also apply for redressal as soon as possible through Banking Ombudsman.
What is Banking Ombudsman?
Banking Ombudsman is a senior banking officer who takes special care of his customers. Under which he is responsible for redressal of any kind of complaint.
Therefore, the Bank Ombudsman tries to resolve the complaints of the people in time and tries to ensure that there is no chance of complaining again. In such a situation, the Banking Ombudsman listens to the complaints in the right way and assesses them and gets the right redressal.
Process of filing complaints against banks offline
If you want to file complaints against banks while being offline, then in such a situation you will have to go to the concerned banks and give a hard copy of your complaint in writing.
If you submit a hard copy, then you can necessarily submit the bank passbook as proof of identity and receipt or other documents to support the claim.
Apart from this, you will also have to take the acknowledgement receipt of the complaint from the concerned officer, which you can use in the future as well.
Process of complaining against a bank through RBI
If you want to complain about any bank through RBI, then you can also do this online, which is easy to do sitting at home.
For this, first of all you have to click on https://cmc.rbi.org.in to complain online.
As soon as you go to the homepage, you have to register your complaint there as well as upload the necessary documents.
If you want, you can also make your complaint through email but it may take some time.
As soon as you upload all the documents and send them, then your complaint is resolved within a few days.
How to file a complaint in Bank Ombudsman
Many times it happens that people are harassed by banks, in such a situation they are also deprived of many types of facilities. If this type of complaint is happening with you, then you can definitely go to Bank Ombudsman and file a complaint, under which relief is talked about as soon as possible. Under this, you can file a complaint through these main methods.
File a complaint in writing
If you agree with the actions of the banks and are facing many types of problems, then you can go to the banking cell and file a complaint in writing. Under this, you can also mainly complain against the officer who has harassed you or through whom your work is stopped.
Register a complaint on toll free number
If you have given a complaint in writing and still the problem is not being resolved in any way for the last few days, then in such a situation you can also register a complaint in the banks through toll free number. You can get the ID of this complaint which you can use in time.
Register a complaint on the bank's website
Irrespective of the type of bank, every bank has a website where you can easily register a complaint. As soon as the complaint is registered, within 2 to 3 days, the bank's officer contacts you and then your complaint is understood and resolved.
Wait after registering the complaint
If you have registered your complaint, then you can wait for the complaint to be resolved within 30 days. Under this, the real reason for the complaint is found out through the banks where you can get the right redressal.
Keep these things in mind before complaining to the Banking Ombudsman
If you want to register a complaint through the Banking Ombudsman, then you have to keep some important things in mind.
Whenever you want to register your complaint with the Banking Ombudsman, then you have to take special care of whether your complaint is valid or not and whether you have done a thorough investigation for your complaint or not. In such a situation, if your complaint is found to be incorrect in any way, then a penalty can be given against it.
Never be in a hurry to file a complaint and it will be necessary for you to give full 30 days time.
If the problem is not resolved through other methods, then only in such a situation you can go to the Banking Ombudsman and file a complaint.
Various cases for filing a complaint with the Banking Ombudsman
If you want to file a complaint through the Banking Ombudsman, then for this you will have to file a complaint under various cases.
If you are facing any problem in receiving any kind of cheque or draft, bill, then only in such a situation you can file a complaint with the Banking Ombudsman.
If for any reason you are being charged more than the fee prescribed by the RBI, then you are eligible to complain.
If the problem is not being resolved even after complaining repeatedly, then you can go to the Banking Ombudsman and file a complaint again.
If even after the instructions of RBI, you are not being given the specific interest or are being charged more interest, only then you can lodge a complaint.
If your loan application is rejected by the banks, then in such a situation it is valid to lodge a complaint.
If for any reason any bank refuses to open a deposit account, then definitely a complaint can be lodged with the Banking Ombudsman.
Procedure in case you do not agree with the decision of the Banking Ombudsman
If for any reason you do not agree with the agreement made by the Banking Ombudsman and still you are facing problems, then you can complain to any authority within the next 30 days. Apart from this, you can also lodge a complaint by going to the Consumer Forum.