Every account holder has this right, if the bank does not listen to the problem then to whom should one complain?

News Topical, Digital Desk : Often, bank-related work remains pending for months. Whether it's an account error, a charge deducted, a loan or credit card issue, a pension, subsidy, or KYC update, customers are forced to visit the bank repeatedly, but their issues remain unaddressed.

When voiced verbally, the complaint is often ignored and the matter is often postponed. In such a situation, the customer feels helpless, even though, according to banking regulations, they have every right to complain and seek redress. So, let's learn who to complain to and how to complain.

Complaint can be made in three ways

First, internal complaints - every bank has a grievance cell. Submit your complaint in writing to the branch manager and ensure you obtain the complaint number. If the issue remains unresolved within 30 days, proceed with the next step.

Second, the nodal officer – the details of the nodal/appellate officer are listed on the bank's website. Submit your complaint by post or email. Also include the previous complaint number and documents.

Third, the Banking Ombudsman: If a resolution isn't found within 30 days or you don't receive a satisfactory response, file a complaint with the RBI Banking Ombudsman. Complaints can be filed free of charge online at cms.rbi.org.in. The complaint process can also be found by calling 14448. After submitting a complaint, it becomes the bank's responsibility to resolve the issue. Before filing a complaint with the Ombudsman, file a complaint with the bank and wait 30 days for a resolution.

It's important to keep a record of all correspondence. Keep emails and receipts safe. Follow the deadlines set, as this protects your rights.

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