knight
TF Legend
-
Hey there! Welcome to TFC! View fewer ads on the website just by signing up on TF Community.
How to file a complaint against a bank on the RBI banking ombudsman portal
- Thread starter TechnoFino
- Start date
- Replies 206
- Views 51K
You can file a complaint via email (crpc@rbi.org.in) as well.
knight
TF Legend
Works the same way? Tracking and all?
Nope, complaints submitted through the CMS portal are processed in a more seamless manner.
aritrakundu
TF Neo
I deposit the EMI directly to the car loan account via NEFT from SBI Savings account. Despite this, the manager is trigerring auto debits on my BOI Savings Account manually that are failing due to insufficient funds as I don't maintain significant amount in that account. The ECS failure charges of Rs 295 were getting charged to the savings account up until now. Now, the manager is charging my car loan account Rs.295 per instance of ECS Failure instead of the savings account for ECS Failure Charges. As per my understanding this shouldn't happen. ECS failure charges are supposed to be debited from the savings account from which auto debit is supposed to happen.
aritrakundu
TF Neo
BTW the grievance portal on BOI doesn't work. Tried multiple times,throws a vague error at the last page of submission. Hence seeking alternatives.
knight
TF Legend
If the bank took your sign on an auto-debit form, then there's not much you can do, as this is common practice.
Banks take your consent for auto debit during loan sanction, and once you sign, you're liable to maintain that balance in your savings account.
You can try to file a grievance and bank 'may' agree to waive previously debited charges, on the grounds that you weren't aware of auto debit consent and were paying off the loan regularly.
The bank is technically not wrong in this, if you signed the form/consent.
But regarding your manager charging your LOAN acct for ECS failures on your savings account, I doubt that is allowed.
Banks are not allowed to put the savings acct balance in negative, and debiting savings account charges from your loan account without consent also may not be allowed. But they may have a clause in the loan documents; they generally get around 30-40 pages signed before sanction.
Try to check all loan docs & TnC that you signed at the time of loan, and file a grievance with the bank.
If they don't agree, try RBI BO.
Similar threads
