Hello Friends, it has been seen many times that the employees of the bank do not treat the customers well. Such as deducting service charge without any prior notice, making excuses for opening or closing an account, deducting additional charges even after paying the credit card bill on time, even if the bank employee gets irritated with a customer. mistreating them etc. However, it is becoming common nowadays by the employees of the bank to not talk properly or misbehave with the customers.
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In such a situation, customers are not able to take any kind of action against the bank employees or the bank. In view of such problems, the Reserve Bank of India has given strong powers like Ombudsman to the bank customers. Through which you can register a complaint and file a complaint against the bank and bank employees. Where and how to complain to the bank? Along with giving this information, you are being provided information about Banking Ombudsman complaint number, application form process here.
What to do if harassed by bank or bank employees?
Many a times consumers are harassed due to the fault of the bank. There have been many such cases when the customer has not taken any kind of loan from the bank, yet he is harassed. Apart from this, refusal to open or close a bank account is often seen.
In loan cases, they cancel the loan without showing any valid reason or do not approve the loan for several months, refusing to give the loan. If you are also being harassed by bank or employees. The loan is being rejected by the bank manager without any reason, or you are being denied the facilities available to you. In such a situation, you can teach them a lesson by registering a complaint against them.
How and Where to Complain To The Bank?
You can file a complaint against the bank or bank employees in 3 ways.
Lodge a Complaint in Writing with the Bank
For your information, let us tell you that every bank has a complaint cell. You can register your complaint in writing by going to this complaint cell.
Register Complaint on Toll Free Number
Apart from registering your complaint in the complaint cell, you can also register your complaint by calling the bank’s toll-free number. However, it must be kept in mind that after registering the complaint on the toll-free number, the complaint number must be obtained. At present all the nationalized banks have their own toll-free numbers. Where you can easily register your complaint by just making a call.
Register To Complaint on The Official Website of The Bank
Apart from registering a complaint through the toll-free number, you can also make an online complaint through the bank’s website. After you register the complaint, you will get a complaint number, which you will have to keep safe with you. After registering the complaint, the bank officials will contact you by calling and solve your problems in the shortest possible time.
Wait for a Month?
After registering the complaint on the bank’s complaint cell, toll free number and on the official website of the bank, you will have to wait for at least 30 days i.e., for 1 month. By the way, your complaint will be resolved within a month and if even after thirty days your complaint is not resolved by the bank or you are not satisfied with the resolution done by the bank, you can contact the Bank Ombudsman. Or you can register your complaint with the Banking Ombudsman.
What is Bank Ombudsman or Banking Ombudsman?
The Banking Ombudsman is an institution set up by the RBI to hear and resolve banking complaints of the general public in India. The Banking Ombudsman is basically created by the Reserve Bank of India to look after the complaints related to banking. A senior officer or Ombudsman is appointed by the RBI, who resolves all the complaints of the customers. This includes all types of banks including public sector banks, private banks, rural banks as well as cooperative banks.
You do not have to pay any fee for filing a complaint with the Banking Ombudsman. After registering the complaint here, you can get the solution of your problem within 30 days. Along with this, by taking appropriate action against the bank or bank employee, you will get your rights which you are entitled to.
How effective is the Banking Ombudsman?
As of the year 2015, this body covers almost all types of complaints for banking services. This body received 79,266 complaints in the year 2009-2010 of which about 94% were resolved and only 5-6% complaints remained pending for more than a quarter of a year. At present there are 15 Banking Ombudsman in India. The customer can complain to the person who comes under the jurisdiction of the bank location, which means if your bank is in Bangalore, you can complain to the BO of Bangalore area. If your bank or you are dissatisfied with the decision given by the Banking Ombudsman, the matter can be forwarded to the Appellate Authority within 30 days of the decision of the BO, which is the Deputy Governor of RBI.
What Types of Complaints Are Accepted By The Banking Ombudsman?
- Delay in providing any service.
- Charging higher interest rate related to BPLR on home loan.
- levying fee without any prior notice.
- In case of loss due to lack of coordination on the part of the bank.
- Fraudulent Transactions Against Lost Credit Cards |
- Unreasonable Credit Card Fees |
- Know how to check checks in transit by bank.
- For non updation of CIBIL record.
- Fraudulent transfer of funds using net banking.
- Closing any account without giving any information or reason.
- When the bank asks for unreasonable proof for opening an account.
- Change in terms and conditions without any notice or valid reason.
- Wrong sale of insurance products |
- Rejection of loan on unreasonable grounds.
- Harassing or misbehaving with the customer for any reason.
- Change in terms and conditions without any notice or valid reason.
- Harassing or misbehaving with the customer for any reason.
- When the bank asks for unreasonable proof for opening an account.
- Forcing customers to take insurance policy for loan processing.
How To Make An Online Complaint to Banking Ombudsman
- First of all, you have to visit the official website of Reserve Bank of India https://cms.rbi.org.in/.
- Now the home page will open in front of you, here you have to click on the option of File a Complaint.
- Now an application form will open in front of you, in which you will be asked to upload the pdf file of the asked information such as account number, mail id, name of the complainant, address and complaint.
- After filling all the information correctly, at last you have to click on submit.
- Once submitted, your complaint will reach the Banking Ombudsman. With this, your problem will be solved in about 15 days.
Name, Mail ID and Address of Banking Ombudsman
Center | Name, Number & Address | Area |
Ahmedabad | Mr. GJ Raju C/o Reserve Bank of India La Gajjar Chambers, Ashram Road Ahmedabad-380009 STD Code: 079 Telephone. Number 26582357/26586718 Fax Number 26583325 Email: [email protected] | Gujarat, Union Territory of Dadra and Nagar Haveli, Daman |
Bangalore | Ms. Saraswati Shyamprasad c/o RBI 10/3/8, Nripathunga Road Bengaluru -560 001 STD Code: 080 Tel- 22277660/22180221 Fax No. 22276114 Email: [email protected] | Karnataka |
Bhopal | Mr. VK Nayak C/o Reserve Bank of India Hoshangabad Road post box no. 32, Bhopal-462 011 STD Code: 0755 Tel-2573772, 2573776 2573779 Email: [email protected] | Madhya Pradesh |
Bhubaneswar | Mr. S. Behera C/o Reserve Bank of India Pt. Jawaharlal Nehru Marg Bhubaneswar-751 001 STD Code: 0674 Telephone. No. 2396207/2396008 Fax Number 2393906 Email: [email protected] |
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Chandigarh | Mr. JL Negi C/o Reserve Bank of India 4th Floor, Sector 17 Chandigarh Tel-0172 – 2721109 Fax No. 0172 – 2721880 Email: [email protected] | Himachal Pradesh, Punjab, Union Territories of Chandigarh and Panchkula, Yamuna Nagar and Ambala Districts of Haryana |
Chennai | Dr. Balu K C/o Reserve Bank of India Fort Glacis, Chennai 600 001 STD Code: 044 Tel. No. 25395964 Fax No. 25395488 Email: [email protected] | ———————— |
Guwahati | Mr. AR Samal C/o Reserve Bank of India Station Road, Pan Bazar Guwahati -781 001 STD Code: 0361 Telephone no. 2734219/2512929 Email: [email protected] | Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura |
Hyderabad | Mr. T. Srinivasa Rao C/o Reserve Bank of India 6-1-56, Secretariat Road Saifabad, Hyderabad-500 004 STD Code: 040 Telephone. number 23210013 Fax No. 23210014 Email: [email protected] | Andhra Pradesh and Telangana |
Jaipur | Mr CD Srinivasan C/o Reserve Bank of India, Ram Bagh Circle, Tonk Road, Post Box No. 12 Jaipur-302 004 STD Code: 0141 Telephone. number 2577931 Email: [email protected] | Rajasthan |
Jammu | Reserve Bank of India, Rail Head Complex, Jammu- 180012 STD Code: 0191 Telephone: 2477617 Fax: 2477219 Email: [email protected] C/o to Shri P Shimra | Jammu State |
Kanpur | Mr. PK Nayak C/o Reserve Bank of India M G Road, Post Box No 82 Kanpur-208 001 STD Code: 0512 Telephone. No. 2305174/2303004 Email: [email protected] | Uttar Pradesh (except Ghaziabad, Gautam Buddha Nagar, Saharanpur, Shamli (Enlightened Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor, and Amroha (Jyotiba Phule Nagar) districts) |
Kolkata | Mrs. Monisha Chakraborty C/o Reserve Bank of India 15, Netaji Subhash Road Kolkata-700 001 STD Code: 033 Telephone. No. 223310217/22133353 Fax No. 22305899 Email: [email protected] | West Bengal and Sikkim |
Mumbai | Mrs. Ranjana Sahajwala C/o Reserve Bank of India 4th Floor, RBI Byculla Office Building, front. Mumbai Central Railway Station, Byculla, Mumbai-400 008 STD Code: 022 Tel No. 23022028 Fax: 23022024 Email: [email protected] | Mumbai Suburban, and Thane |
Mumbai (II) | Mr. PK Jena C/o Reserve Bank of India, 4th Floor, RBI Byculla Office Building, Opposite – Mumbai Central Railway Station, Byculla, Mumbai-400 008 STD Code: 022 Telephone: 2300 1280 Fax: 23022024 Email: [email protected] | Goa and Maharashtra, (except Mumbai, Mumbai suburban and Thane districts) |
Patna | Mr. Brij Raj C/o Reserve Bank of India Patna-800 001 STD Code: 0612 Telephone. No. 2322569/2323734 Fax Number 2320407 Email: [email protected] | Bihar |
New Delhi (I) | Mr. R. S. Amar C/o Reserve Bank of India Parliament Street, New Delhi STD Code: 011 Telephone. number 23724856 Fax No. 23725218-19 Email: [email protected] | ——————- |
New Delhi (II) | Shri V G Shekhar C/o Reserve Bank of India Parliament Street, New Delhi STD Code: 011 Telephone. number 23715393 Fax Number 23765234 Email: [email protected] | North-East, Central, Shahdara, East and South-East districts of Delhi |
Raipur | Mister. Keshab Korkora c/o RBI 54/949, Shubhashish Complex, Satya Prem Vihar Mahadev Ghat Road, Sunder Nagar, Raipur- 492013 STD Code: 0771 Tel: 2244246, 2241819 Email: [email protected] | Chattisgarh |
Ranchi | Mrs. Chandana Dasgupta C/o Reserve Bank of India 4th Floor, Pragati Sadan, RRDA Building, Kachari Road, Ranchi Jharkhand 834001 STD Code: 0651 Telephone: 852134622 Fax: 2210511 Email: [email protected] | Jharkhand |
Thiruvananthapuram | Mr. H N Iyer C/o Reserve Bank of India Bakery Junction Thiruvananthapuram-695 033 STD Code: 0471 Telephone. No. 2332723/2323959 Fax No. 2321625 Email: [email protected] | Kerala, Union Territory of Lakshadweep and Union Territory of Puducherry (Mahe region only) |