Filing Complaints

If you encounter issues like failed ATM transactions, unexpected fees, or credit card problems, here’s how to address them:

Step 1: Complaint to Your Bank

1. Register Your Complaint:

   • Use the complaint register at your bank branch or submit your complaint online through the bank's website.

2. Contact Bank Officials:

   • Ask for the names of officials responsible for handling complaints if they are not displayed at the branch.

   • Each bank has a designated nodal officer for complaint resolution.

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Step 2: Escalate to the Banking Ombudsman

If your bank does not resolve your complaint within one month, escalate it to the Reserve Bank of India's (RBI) Banking Ombudsman.

1. Filing a Complaint:

   • Online: Visit Banking Ombudsman Portal and click on "Complaint Form" to submit your complaint.

   • Offline: Use the complaint form provided in the Banking Ombudsman Scheme.

     
     

2. Institutions Covered:

   • All commercial banks, foreign banks, small finance banks, payment banks, regional rural banks, scheduled urban co-operative banks, and NBFCs with a customer interface and an asset size of ₹100 crore and above.

     
     

Following these steps can help ensure your banking complaints are addressed effectively.

*The information in this document has been adapted from articles available on https://www.rbi.org.in/FinancialEducation/Home.aspx . The original articles can be accessed directly for more comprehensive insights.