If you are upset with your bank’s ATM and its service, now you can easily sit at home and file a complaint. Let’s know the whole process
If the bank is not resolving your complaint despite repeated calls, then you can lodge a complaint with the RBI. For this, Reserve Bank of India (RBI) has started CMS on its website. Through this portal, you can lodge complaints of all financial services companies including banks and non-banking financial companies (NBFCs). Let us know what are the problems and how to complain.
According to the information given on the RBI website, inadvertent delays in checks, drafts, bill payments or collections, non-acceptance of small denomination notes, delays or withholding remittances payments, drafts, pay auditors or bankers issuing checks Delay or failure to deliver, delay or inability to deliver banking services (other than loans and advances) as promised,
Refusal to create a deposit account without any good reason, not following the instructions of the RBE in the context of mobile banking, closing the deposit account without notice, not following the RBI rules in taking the services of recovery agents.
When can you complain to Ombudsman
If your bank does not respond or rejects it a month after receiving the complaint or you are not satisfied with its response, then you can knock the door of the Ombudsman.
File a complaint with the Ombudsman officer at home
Apart from the website https://cms.rbi.org.in, one can also file a complaint with the app.
(1) You have to go to https://cms.rbi.org.in. After this, click on the ‘File a Compliant’ link.
(2) After this, you choose your language. Click on ‘File a Compliant with Ombudsman Against an Eligible Regulated Entity’. Select Bank, NBFC or System Participant from the dropdown list. Meaning that if you are upset with the service of the bank, then select the bank.
(3) After this, fill the general details at the Lodge Complaint. Then click on the calendar and fill the details in the ‘Date of Complaint’ and ‘Date of Reply’ fields.
(4) After this, full details of the complaint have to be given. Meaning that whether the complaint is related to e-wallet or the issue of transaction. You also have to give full details. Name, age, phone number, everything will have to be written in it. Once you complete the process, click on ‘Next’.
(5) Now you have to select the category of account from the dropdown list. Bank account or ATM / credit / debit card details will have to be given. Fill the amount of dispute, compensation amount etc. After this, enter the details of the bank / person in the ‘Complain comments section’ against which to make a complaint. Once you complete this process, click on ‘Next’.
(6) After this, Declaration Information will come in front of you. Read it carefully. After accepting it, click on ‘Next’.
(7) Now you have to give details of the person against whom the complainant has complained. For this, select the radio button. Then click on Next. Enter the appropriate nomination details. Then click on Next and proceed.
(8) Lastly click on submit button and file your complaint successfully. App gives the complainant an automatically generated agreement. With this, you can track the status of the complaint.
Banking customers will get many rights for the first time from June 2021
The Reserve Bank of India (RBI) has proposed to bring different Ombudsman platforms for banks, non-banking financial companies and non-bank prepaid instruments (pre-paid card issuers) in one place. Soon, instead of these three, there will be an Ombudsman scheme to settle customer complaints. Integrated Ombudsman Scheme will be released in June 2021.
