To register a complaint with the Banking Ombudsman in India, you can follow these steps:
- Gather necessary information: Collect all the relevant details related to your complaint, such as your account number, bank name, branch details, transaction details, and any correspondence you may have had with the bank regarding the issue.
- Contact your bank: Before approaching the Banking Ombudsman, it is generally required to first raise the complaint with your bank’s grievance redressal mechanism. This is usually done by contacting the bank’s customer service or visiting the branch. Ensure that you have written proof of your complaint and the bank’s response, such as acknowledgment receipts or reference numbers.
- Wait for resolution or final response: Give the bank a reasonable period (usually 30 days) to resolve the complaint. If you are dissatisfied with the bank’s response or if you haven’t received any response within the specified time, you can proceed to the next step.
- Locate the appropriate Banking Ombudsman: Visit the Reserve Bank of India’s (RBI) website and navigate to the “Consumer Education” section. Under this section, you will find the “Banking Ombudsman Scheme” link. Open the link to access the details of the Banking Ombudsman offices across India, along with their contact information.
- Prepare a written complaint: Write a detailed complaint letter addressing the Banking Ombudsman. Include your personal information, account details, a clear description of the complaint, and any supporting documents. Keep a copy of the complaint for your records.
- Submit the complaint: Send the complaint letter to the Banking Ombudsman office that has jurisdiction over the area where your bank is located. You can send it via post or email, as specified by the Banking Ombudsman office. Make sure to mention your complete contact details in the complaint.
- Follow up: After submitting the complaint, the Banking Ombudsman will examine the matter. They may require additional information or documents to proceed with the investigation. Cooperate with their requests and provide the necessary details promptly. Keep a record of all communications with the Ombudsman office.
- Await resolution: The Banking Ombudsman will attempt to facilitate a resolution between you and the bank. If a resolution is reached, they will communicate the decision to you and the bank. If you are not satisfied with the decision, you may explore other legal remedies, such as approaching consumer courts.
Remember to maintain a calm and professional approach throughout the complaint resolution process. It’s essential to provide accurate information and maintain a record of all interactions and documents related to your complaint for future reference.
