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How to make customer complaint against banks in India? Procedure.

How to make customer complaint against banks in India? Procedure

The main object of the complaint is to get resolved your problem as earliest. So it is most important to make complaint to appropriate person who will resolve your problem effectively. There is a system in Indian banking to get your problem resolved by contacting authorities in procedure. First approach to concerned bank , then Director of Public Grievances, Govt of India, then Ombudsman(RBI) and then after Consumer Forum. If you will follow the procedure you will find result sure. Presently RBI has compelled banks to hear customer on priority basis. On direction of RBI every bank have to appoint Nodal Office for redressal of Customer grievances. Every bank has designated higher level office at Head Offices and other senior level officer at Controlling Offices and at large branches.

Steps of Customer Complaints against Banks in India

Ist :  Write or E-mail to concerned bank branch or office or deptt.
2nd :

Write or E-mail to Nodal Officer at Controlling Office and HO of the bank

3rd :

Write or E-mail to Director Of Public Grievances, Govt Of India, Cabinet Secretariat, Sansad Marg, New Delhi-110001


Complaint in appropriate form (along with copies of earlier correspondence with concerned bank) to Banking Ombudsman (Located at State Capitals under RBI Ombudsman scheme)

5th : District Consumer Forum (under consumer protection act,1985) complain in appropriate form.
6th : Complaint through SMS. Recently some banks have taken initiative to entrtain and resolve customer coplaint through SMS, like State Bank of India has started another service to resolve customer complain named SMS, “Unhappy”. In case you have any problem /complaint regarding bank services just send one SMS, “Unhappy”, to the number 8008202020. The rest of the action rests with the Bank. Most of the complaints are closed within 48 hours.