How to file a complaint against a bank on the RBI banking ombudsman portal

[TechnoFino]

If you want to file a complaint against any bank, follow those steps.
Remember one thing, file a complaint with your bank first, then wait 30 days for resolution. If your bank doesn't solve your problem within 30 days, you can move to the RBI banking ombudsman. If you don't get any satisfactory resolution from your bank, you can also move to the RBI banking ombudsman before completing 30 days.

How to file a complaint against a bank on the RBI banking ombudsman portal:-

Visit RBI Banking Ombudsman Portal- https://rbi.org.in/Scripts/Complaints.aspx
Click on "Click here to file a complaint against any Regulated Entity (banks, NBFCs, System Participants)"


On the next page, click on "File a Complaint"
On the next page, enter captcha and click on "Next"
Now, you have to enter your name and mobile number & click on "Get OTP"



Enter OTP and click on Validate.
On the next page, enter your details



And enter bank details



Now, on the next page enter details of the complaint you've filed with your bank, upload PDF copy of the email communication.



Now, enter your complaint details, describe your problem in details
If you wants to claim any compensation (You can ask for maximum 1L as compensation), enter that on this page



Then click on "Review and Submit "
On the next page, very all the details and click on "Submit"



Done! you'll see successful message along with your complaint number. You can use the number to track your complaint status.
You'll also reserve a SMS after successful submission.



If you want to track your complaint status, visit this page - https://cms.rbi.org.in/rbi/vividflow/run/trackapplicationcomplain?language=Auto

 

[Pradeepbansal]

You can also call 14448 number and ask for the status of the complaint after registering it from the portal.

You can also mail crpc@rbi.org.in along with complaint number mentioned in subject for any queries regarding your complaint

 

[alphadark7]

Please keep us posted about this issue.

 

[asen]

Very useful information. Thanks

 

[Harry1]

Shall I file complaint against BOB for not changing my bill date since 3 months? Keep saying we are working towards making it possible.
I don't want my card account to be closed due to this complaint 😅.

 

[TechnoFino]

Shall I file complaint against BOB for not changing my bill date since 3 months? Keep saying we are working towards making it possible.
I don't want my card account to be closed due to this complaint 😅.

go ahead

 

[Harry1]

go ahead

That rbi link is down.

 

[alphadark7]

go ahead

I asked BOB to upgrade to LTF Eterna and they said they cannot and I asked a question but instead of answering they upgraded to paid Eterna without asking whether they should

When asked, they said they checked with ZRO and hence upgraded
I agreed because ZRO said over the call (non-recorded) that I should request them next year to convert it into LTF

But when asked over the email they denied and hence I've asked them to either get me LTF or downgrade it to Premier which I was already holding

Should I move to RBI Ombudman or should I wait for them to revert and finalise this?

And if I want LTF Eterna, should I close my card and apply for it again as they give LTF Eterna only to new applicants.

 

[Pradeepbansal]

Whenever a complaint is registered with RBI Ombudsman and if ombudsman proceeds to reolve the complaint, they will ask the bank to submit bank's response in writing along with documents supporting it. After receiving bank's reply, ombudsman can ask you to submit your counter reply with supporting documents. After receiving both submissions in detail, ombudsman will take a decision whatever they deem fit.

But no ombudsman can ask a bank to give LTF card to anybody. Because it is a commercial decision of bank. At the max. Ombudsman can ask bank to waiver 1 year annual fees if it feels that the charges are wrongly levied.

 

[alphadark7]

Whenever a complaint is registered with RBI Ombudsman and if ombudsman proceeds to reolve the complaint, they will ask the bank to submit bank's response in writing along with documents supporting it. After receiving bank's reply, ombudsman can ask you to submit your counter reply with supporting documents. After receiving both submissions in detail, ombudsman will take a decision whatever they deem fit.

But no ombudsman can ask a bank to give LTF card to anybody. Because it is a commercial decision of bank. At the max. Ombudsman can ask bank to waiver 1 year annual fees if it feels that the charges are wrongly levied.

I understand the point, but my point here is that the bank upgraded the card without approval. In that case, it should be unsolicited upgradation.

What will happen in this case?

 

[Pavan]

Hi @TechnoFino can we raise for reward points too ?

 

[Harry1]

That rbi link is down.

Filed now. Let's see what happens 😅.

 

[Pradeepbansal]

I understand the point, but my point here is that the bank upgraded the card without approval. In that case, it should be unsolicited upgradation.

What will happen in this case

I understand the point, but my point here is that the bank upgraded the card without approval. In that case, it should be unsolicited upgradation.

What will happen in this case?

In your case, only 1 thing can happen from ombudsman point of view. Ombudsman will ask bank to downgrade the card again and reverse the fees. Thats it. They will not go further into the matters like whether u shud get LTF or not. When the bank has done a mistake by wrongly upgrading your card, ombudsman will try to reverse that mistake. If u have incurred any real monetary loss, you can ask for compensation towards it. I do not think your case to go beyond that.

This is my personal opinion and experience but i am not an ombudsman and can never know for sure what exactly will happen and how it will work out.

 

[Pradeepbansal]

Hi @TechnoFino can we raise for reward points too ?

Yes, you can raise complaints regarding reward points too

 

[Pradeepbansal]

- 30 normal days or 30 working days to wait before raising complaint?
- also, do we need to send this complaint number to bank just to inform them "I filed a complaint against you" to get their attention?
- what are some possible cases that comes to raise a complaint? anything related to credit card - be it charges, rewards, support, offer fulfillment, billing issues etc. or any exceptions?

30 normal days

You do not need to send this complaint anywhere. Just wait for any queries or mail/communication from ombudsman. But while your complaint is in process, if bank tries to approach you to negotiate or work out a middle path, you should do it. Because maybe ombudsman wud have asked the bank to try to amicably resolve the issue. In that case, if the ombudsman thinks what the bank has offered is right and fair, they may close your complaint in favor of the bank. Then you may loose the chance to negotiate with the bank.

Possible cases which come to complaint range from frauds to everythng u mentioned. No exceptions. If there is any exception, you will get to know about it in writing from the ombudsman. Although, there is banking ombudmsan scheme available on RBI website if you want to read and get better idea for yourself and maybe others.

If you have a complaint in mind, first approach the bank. If not resolved, approach the ombudsman after 30 days.

 

[Predator]

How to raise a general complaint against a bank that is not related to a disputed transaction. This portal asks for the date of the disputed transaction

 

[Pradeepbansal]

How to raise a general complaint against a bank that is not related to a disputed transaction. This portal asks for the date of the disputed transaction

Select the subject of the complaint properly while filing complaint and if u still cannot find the subject u want then file it in others category.

 

[Pradeepbansal]

@Pradeepbansal


What is the (ii) means?

Also, can we file a complaint related to multiple enquiries for single application (requested for removal but the bank not agreeing for removal or provide justification for doing the same)?

Point ii means basically that every complaint should be made to ombudsman within 1 year of approaching the bank with the same complaint.

Yes, you can complaint against multiples enquiries but provide proper proof of it to ombudsman otherwise bank will not accept their mistake

 

[samss]

That rbi link is down.

Working now.

 

[Harry1]

Filed now. Let's see what happens 😅.

I think it worked. Today they called and offered me one date (16th). They told they have only 2 dates available currently - 1 and 16. 16th was fine for me, so i took it.

Filed one complaint against axis also for reward points. Let's see if they do anything 😅.