Introduction
If you find yourself in a dispute regarding a transaction with any bank in India and your issue remains unresolved, you have the option to escalate the matter by filing a complaint with the Reserve Bank of India (RBI) Ombudsman. This guide outlines the steps you need to follow to ensure a smooth complaint process.
Step 1: Raise a Complaint with Your Bank
Before approaching the RBI, the first step is to address the issue directly with your bank. You can do this through various channels:
- Call Customer Support: Report your issue via phone banking.
- Visit the Branch: Submit a written complaint that includes all transaction details & also filed police complaint.
- Email Your Bank: Attach relevant proofs such as your transaction ID and any screenshots or bank statements.
Step 2: Filing a Complaint with the RBI Ombudsman
If your bank does not resolve the issue, you can file a complaint under the RBI Integrated Ombudsman Scheme, 2021. Here are the methods available to submit your complaint:
- Online Complaint: This is the fastest method.
- Go to the RBI Complaint Management System (CMS), click on “file a complaint.
- Fill in your details including your name, contact information, bank name, transaction details, and nature of the issue. Be sure to attach any supporting documents.
- Email Complaint: Alternatively, you may send an email to crpc@rbi.org.in. Include your name and relevant details.
Upon submission, note your complaint reference number for future follow-ups.
Please check my video link for File a Complaint with RBI Against Disputed Transactions.
