File a Banking Complaint In IndiaWhat's a Banking Ombudsman Scheme?The Banking Ombudsman Is a senior official appointed by the Reserve Bank of India to resolve customer complaints against deficiency in certain banking services.According to date, 21 Banking Ombudsman have been appointed with Their offices located mostly in country capitals.Banking Ombudsman scheme enables the people to file complaints to solve the banking difficulties.Banking Ombudsman scheme, 2006 is released with the objective of enabling resolution of Complaints relating to certain services rendered by banks and also to facilitate the Satisfaction or settlement of such ailments.To know more about Banking Ombudsman Scheme Click hereTypes of Banking complaintsThe Banking Ombudsman Can get and consider any criticism relating to the next lack in Banking services (such as internet banking) Non-payment or surplus delay in the payment or collection of cheques, drafts, bills etc.
Non-acceptance, without Adequate cause, of small denomination notes tendered for any purpose, And for charging of commission in respect thereof Non-refundable or delay in charge Of inward remittances Failure to problem or delay in Issue of drafts, pay orders or bankers' cheques Non-adherence to prescribed Working hours Providing a banking facility (other than loans and advances) promised in Writing by a financial institution or its direct marketing agents Delays, non-credit of proceeds To parties account, non-payment of deposit or even non-observance of the Reserve Bank directives, if any, related to rate of interest residue in almost any savings, current or other account kept with a bank Indians getting accounts in India in relation to their remittances from Abroad, residue and other bank-related things; Refusal to start deposit Accounts without any valid reason for refusal Levying of charges without Adequate prior notice to the client Non-adherence from the lender or Its subsidiaries into the instructions of Reserve Bank on ATM/Debit card Surgeries or credit card operations Non-disbursement or postpone Disbursement of retirement (to the extent the grievance can be credited to The action on the portion of the bank involved, but not in respect to its own Workers ) Refusal to take or postpone in Accepting payment towards taxation, as required by Reserve Bank/Government Refusal to delay or issue in Issuing, or collapse to service or delay in servicing or salvation of Government securities Forced closure of deposit Accounts without due notice or without adequate reason Refusal to close or delay in Closing the accounts Non-adherence to the fair Practices code adopted by the lender or non-adherence to the provisions Of the Code of Banks Commitments to Customers issued by Banking Codes along with Standards Board of India and as adopted by the bank Non-observance of all Reserve Bank Guidelines on participation of recovery representatives by banks and Some other thing relating to The violation of the directives issued by the Reserve Bank in relation to Banks or other services.
The Banking Ombudsman may also Handle such other matter as may be specified by the Reserve Bank from Time to timeThe complete list of grounds for complaints can be seen here.Where to submit a Banking complaints application The criticism ought to be submitted to the concerned bank branch, from where you are managing your Account Submit complaint application to concerned officer Complaint software could be filed on plain paper or any prescribed kind supplied by the lender After receiving the complaint application, worried bank officer problem an acknowledgement receipt to complainant ATM problems linked to the complaint can be filed at a nearest concern bank branch or about the toll-free amount.
Keep protecting the ATM slip as a future benchmark.Process to submit complaint application to Bank Complaint software could be Submitted to the bank in hard copy or internet If You're planning to submit Your complaint application in hard copy, then enclose these records with application formXerox replica of Bank Passbook because An identity proofAny other documents/ reception Require"Acknowledgment Receipt" From worried bank with a dateOnline complaint registration with bank Most of the public sector and private banks provide online complaint filing facility Register your complaint online with bank Some bank has not yet begun online complaint facility, even if your lender is one of the, then You Need to submit your application in hard copyWhat to do after submitting/registering Banking Complaint to bank Normally, the bank takes 2--3 weeks If a lender is not able to resolve your problems or has not responded to your complaint within one month, Then send one reminder to the lender regarding your criticism.
Also, if You're not satisfied With bank answer then it's possible to put your case before Banking Ombudsman Banking Ombudsman has 21 regional offices Throughout the Nation to accept a program from complainantsFiling a Banking Complaints at Banking OmbudsmanThe banking Ombudsman is appointed by the RBI to solve customers' complaints regarding accounting services and doesn't charge a fee.
Presently, there are 21 banking ombudsman centres in India.You can file a Complaint on a plain paper to the ombudsman under whose authority the bank branch complained against is situated.
