Not every customer is happy with the services offered by their banks. There will be some issues with the bank and these issues turn into complaints. When it comes to filing a complaint against your bank, there are certain points which you must keep in mind to get the issue resolved. In this blog, we will discuss various tips for filing a complaint against your bank.
Before raising issues with your bank, understand what exactly is the problem. For instance: If INR 100 is deducted from your bank account, understand why it has been deducted by checking your bank statement. If a bank deducts money from your account saying it’s for charges like ATM withdrawal charges and debit card charges, you better not raise a complaint with the bank as it is not refundable.
In case money has been debited from your bank account due to fraud, you can raise a complaint with your bank. You can raise a complaint when your ATM transaction fails and the amount gets debited from your bank account. Not just these two reasons, there are many other reasons where you can file a complaint against your bank.
Develop the habit of checking bank statement regularly, so that you can identify if there are any fraudulent transactions. Also, register for SMS and email notifications.
If the amount gets debited from your bank account due to fraud or if you have other issues, register your complaint with the bank immediately. Don't be lazy and delay registering the complaint. In case you are a victim of a fraudulent transaction, you must report it to the bank immediately. If you inform the bank within three days, you will get the entire amount as you have zero liability.
If you report the fraud to the bank between 4-7 working days, then your maximum liability ranges from Rs 5,000 to Rs 25,000, depending on your account type.
While reporting the compliant, make sure to do so through the proper channels. Don't just rely on word of mouth. If you want to raise a complaint with your bank, call the customer care of the bank and report your issue. Tell them exactly what has happened and provide all the necessary information. You can find the customer care number of your bank on the card or on the bank's website. Don't be rude to the customer care executive, instead speak to him calmly and report the issue.
In case you are not happy with your banks response or if your bank does not resolve the issue within 30 days, contact the Banking Ombudsman. Banking Ombudsman is set up to resolve banking complaints posted by customers. Before approaching the Banking Ombudsman, it is mandatory to raise the issue with the bank. In case you do not have the proof that you have already filed the complaint with the bank, the complaint will be rejected by the Banking Ombudsman.