Money & banking › Bank charges, mis-selling or service
Bank is not answering my complaint for weeks
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Before anything elseAfter 30 days with no reply, you can go to the RBI Ombudsman.
Make my own list — free, 2 minutes
Your situation
- Have you complained in writing to the bank? Yes, with a reference
- How long ago did you complain? More than 30 days
Where you stand
- Next step You can now go to the RBI Ombudsman — it is free and needs no lawyer.
Do these now
- File on cms.rbi.org.in
Free and binding on the bank if you accept the award. Where: cms.rbi.org.in
Papers to gather
- Account statement showing the issue
Shows charges, debits or restrictions. Where: Net banking / passbook. - Account number, branch and customer ID
Every complaint form asks for it. Where: Passbook / app. - A short dated timeline of what happened
Makes your complaint clear and complete. Where: Write it yourself. - Written complaint to the bank and its reply
Required before RBI. Where: Email, grievance portal.
You may also need, depending on your answers
- 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.
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.
Saboot will also ask
- What is the problem?
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Sources
The full guide: Bank problem — wrong charges, mis-sold policy, account closed, locker or poor service · All situations