How to Complain Against Bank Employees 2023 (banking lokpal RBI)

Online Complain Against Bank 2023 (Banking Lokpal)

The Banking Ombudsman shall receive information relating to complaints lodged in banking or other services and shall be lodged on the grounds, as mentioned in section 8, irrespective of the pecuniary value of the deficiency in service complained of and shall, by agreement and facilitate their satisfaction or settlement by conciliation or arbitration.

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

Online RBI Complaint Category list 

If a person wants to register 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 following services:

• transfer of funds from one account to another
• check 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 submitted to 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 on any prescribed form provided by the bank
• After receiving the complaint application, the concerned bank official 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 Complain Against Bank ?

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

Process of submitting the Complain Against Bank

• Grievance application can be submitted in hard copy or online at the bank
• If you are planning to submit your grievance 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
• Collect “Acknowledgement Receipt” from the concerned bank official with date

Reason For RBI Complaint [Banking Ombudsman]

Any person alleging deficiency in banking including internet banking or other services may file a complaint with the bank or the Banking Ombudsman on any of the following grounds:

• Delay in payment or collection of cheques, drafts, bills etc. or non-payment
• Any matter related to ATM cum Debit card or Credit card
• Non-acceptance without sufficient reason of small denomination, for any purpose, and for charging commission in respect thereof, issued the notes.
• Non-acceptance, without sufficient cause, of tender for coins and charging commission in respect thereof,
• Delay in payment or non-payment of inward remittances,
• delay or failure to issue drafts, pay orders or bankers cheques;
• Failure to comply with 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 of Reserve Bank’s instructions, if any, Applicable to the rate of interest on deposits in any savings, current or other account maintained with the bank,
• Non-adherence by the bank or its subsidiaries to the directions of the Reserve Bank on ATM or debit card operations or credit card operations,
• Non-disbursement or delay in disbursement of pension,
• Failure or delay in accepting payment towards taxes required by the 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,
• Forcible 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 prescribed time schedule for disposal of loan applications,Non-acceptance of application for loan without valid reasons being presented to the applicant,
• Non-adherence to the provisions of the Fair Practices Code for Lenders adopted by the Bank or the Code of Bank’s Commitments to Customers, as the case may be

How To Registered Complain Against Bank Online

If any of you want to file a Complaint Against Bank Online under RBI Bank, then he can follow the procedure given below:

• Visit the link given below to submit online application for Banking Ombudsmanhttps://cms.rbi.org.in/cms/IndexPage.aspx

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

Ref: Reserve Bank of India