Money & banking
Bank problem — wrong charges, mis-sold policy, account closed, locker or poor service
Most bank problems follow one path: complain to the bank, wait 30 days, then go to the RBI Ombudsman. We will make sure you have what that needs.
Answer a few questions and get your list →What the law says
Under the RBI Integrated Ombudsman Scheme, you must first complain to the bank. If there is no reply in 30 days, or the reply is unsatisfactory, you can complain on cms.rbi.org.in — generally within one year of the bank's reply.
General information, not legal advice.
Papers that usually help
- Account statement showing the issue
Shows charges, debits or restrictions. - Account number, branch and customer ID
Every complaint form asks for it. - A short dated timeline of what happened
Makes your complaint clear and complete. - Bank's schedule of charges or product terms
Charges outside it are disputable. - Policy document, proposal form and premium debits
Mis-selling turns on what you were told and signed. - Messages or notes of what the staff told you
Shows you were misled. - Any notice of closure or restriction
Banks must give notice and reasons. - Locker agreement, rent receipts, and inventory if any
Decides bank liability. - Written complaint to the bank and its reply
Required before RBI. - Send a written complaint to the bank (email or grievance portal)
Starts the 30-day clock. - File on cms.rbi.org.in
Free and binding on the bank if you accept the award.
Questions Saboot will ask you
- What is the problem?
- Have you complained in writing to the bank?
- How long ago did you complain?
- When was the policy or product sold?
Sources
Common situations
- Bank sold me insurance saying it was a fixed deposit
- Bank deducted minimum balance charges
- Valuables missing from my bank locker
- Bank closed my account without telling me
- Bank branch refuses to serve my elderly parent
- Bank is not answering my complaint for weeks
- Cheque book or debit card charges I never asked for
- Fixed deposit broken or not paid on maturity
- Nominee not being paid the money in a bank account
- Bank refuses to open an account for me
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