How to complain against bank Complaint Against Bank 2021 (banking lokpal RBI)

Bank Lokpal Complaint Against Bank | Bank Ombudsman Complaint Online | RBI Grievance Helpline Number 2021 | Complaint Against Bank Online In RBI Ombudsman Scheme | How to Complain to RBI Online

Rbi Complaint Online Ombudsman Scheme (Complaint Against Bank) Provides facility to all bank customers to submit complaints regarding their banking service to the respective commercial banks (public sector and private sector), regional rural banks and scheduled primary co-operative banks and it is mandatory for all banks to redress the same

Customer complaint within specific time period. If the bank is unable to redress the grievances of the customer or the customer is not satisfied with the response of the bank, he has the right to file an appeal application before the Banking Ombudsman, Banking Rbi Complaint Online 2021 For more details visit the official website of Reserve Bank of India www.rbi.org.in and register.

Complaint Against Bank 2021
Complaint Against Bank 2021

Complaint Against Bank 2021 (Banking Lokpal)

The Banking Ombudsman shall receive information relating to complaints lodged in banking or other services and shall be recorded on the grounds specified in clause 8, even if the complaint is of the pejorative value of deficiency in service and may by agreement and between agreement or arbitration to facilitate their satisfaction or settlement.

  • Most of the public sector and private banks provide online complaint filing facility
  • Register your complaint online with the bank
  • Some bank has not yet started the online complaint facility, if your bank is one of them, you should submit your application in hard copy

RBI Complaint Online Category list

If a person wants to file a Complaint Against Bank under the Rbi Complaint Online Scheme, then he can register his complaint on the Ombudsman Scheme Online Portal of RBI under the problems faced under the following services

  • Transfer of funds from one account to another
  • Cheque Payment
  • ATM cum Debit Card
  • Credit Card
  • Internet banking
  • Bank loan
  • mobile banking
  • Any other related to banking services

Where to submit complaint against bank

  • Complaint Against Bank should be deposited in the concerned bank branch from where you are operating your account
  • Send the complaint application to the concerned officer
  • The complaint application can be submitted on plain paper or any prescribed form given by the bank
  • After receiving the complaint application, the concerned bank officer issues an acknowledgment receipt to the complainant
  • ATM related complaints can be submitted to the nearest bank branch or toll free number. Keep the ATM slip safe for future reference.

What to do after registering a complaint with the bank,

  • Usually, it takes 2-3 weeks for grievance redressal against the bank, but it may vary from bank to bank
  • If the bank is unable to resolve your problems or has not responded to your complaint within a month, send a reminder to the bank about your complaint. Still, if the bank is not responding to your complaint or is unable to respond appropriately to your complaint, you can file a Complaint Against Bank with the Banking Ombudsman
  • Further, if you are not satisfied with the response of the bank, you can take up your case with the Banking Ombudsman
  • The Banking Ombudsman has several regional offices across the country to accept the applications of the complainants.

Process to submit the complaint to the bank

  • Grievance application can be submitted in hard copy or online in the bank
  • If you are planning to submit your complaint application in hard copy then attach these documents with the application form

Xerox copy of bank passbook as identity proof
Any other document/receipt in support of your claim

  • Take “Acknowledgment Receipt” with date from the concerned bank official

Reason For RBI Complaint [Banking Ombudsman]

Any person alleging deficiency in banking, including Internet banking or other services, on any one of the following grounds, or Banking Ombudsman Can lodge a complaint with:

  • Delay or non-payment in payment or collection of cheques, drafts, bills, etc.
  • Any matter related to ATM cum Debit card or Credit card
  • Non-acceptance without sufficient cause of minor denomination
    Notes issued for any purpose, and to collect commission in respect thereof.
  • Non-acceptance, without sufficient cause, to tender for coins and charge commission in respect thereof,
  • delay or non-payment of inward remittances,
  • delay or failure to issue drafts, payment orders or bankers cheques;
  • Failure to adhere to the prescribed working hours,
  • Delay in providing banking facilities (other than loans and advances) promised in writing by the bank or its direct selling agents or
  • delay, non-credit of proceeds to the accounts of the parties, non-payment of deposits or non-compliance with the directions of the Reserve Bank, if any,
    applicable to the rate of interest on deposits in any savings, current or other account maintained with a bank,
  • Non-compliance by the Bank or its subsidiaries in accordance with the Reserve Bank’s instructions on ATM or debit card operations or credit card operations,
  • Non-disbursement or delay in disbursement of pension,
  • Delay or delay in accepting payment towards taxes required by Reserve Bank of India / Government of India / any State Government,
  • Refusal to issue or delay in issue, or failure to service or delay in service or redemption of Government securities,
  • Forced closure of deposit accounts without any reason or sufficient cause,
  • delay or refusal to close accounts,
  • non-adherence to the Fair Practices Code adopted by the Bank;
  • Delay in approval, disbursement or non-adherence to the time schedule prescribed for disposal of loan applications,
  • Non-acceptance of the application for loan without furnishing valid reasons to the applicant,
  • Non-adherence to the provisions of the Fair Practices Code for Lenders adopted by the Bank or the Bank’s Code of Commitments to Customers, as the case may be

How To Registered Complaint Against Bank Online In RBI

If any of you are under any RBI Bank Complaint Against Bank Online If you want to register then you can follow the procedure given below:

  • Upload your proof after filling the complaint form, which should be in PDF or text format only
  • The above documents should be uploaded in your claim
  • You can also send your application to the Banking Ombudsman by e-mail
  • To know the e-mail id of Banking Ombudsman Click Here Click Hare
    Select the bank to submit the complaint application

Ref: Reserve Bank of India