How to Register Complaints Online with Banking Ombudsman

Are you facing issues with your bank? Unresolved complaints can be frustrating, but fear not! The Reserve Bank of India (RBI) has established a mechanism to address your grievances through the Banking Ombudsman. In this article, we’ll guide you on how to register your banking complaints online with the RBI’s Banking Ombudsman.

What is the RBI Banking Ombudsman?

The RBI Banking Ombudsman is an independent authority appointed by the Reserve Bank of India to resolve disputes between customers and regulated entities such as banks, non-banking financial companies (NBFCs), and system participants. It acts as a mediator, ensuring fair treatment and timely resolution of complaints.

Types of Complaints Handled by the RBI Ombudsman

Before we dive into the process, let’s understand the types of complaints that fall under the purview of the RBI Banking Ombudsman:

1. Deficiency in Services: This includes issues related to non-payment or delay in payment of checks, non-adherence to prescribed working hours, and failure to provide services promised by the bank.
2. Charging Excessive Fees: If you believe your bank has charged you unfairly or excessively, you can file a complaint.
3. Non-Adherence to RBI Guidelines: Banks are required to follow RBI guidelines. If you encounter violations, you can report them.
4. ATM-related Issues: Problems with ATM transactions, debits, or failed transactions can be addressed through the Ombudsman.
5. Internet Banking and Mobile Banking: Complaints related to unauthorized transactions, fund transfers, or security breaches fall under this category.
6. Credit Card Issues: Billing errors, unauthorized charges, and other credit card-related problems can be reported.

Steps to Register Banking Complaints Online

Follow these steps to file an online complaint with the RBI Banking Ombudsman:

1. Visit the Official Website:
   • Log on to the official RBI website.
2. Submit Your Complaint:
   • Fill out the complaint form with details such as your name, contact information, and the name of the regulated entity (bank, NBFC, or system participant) against which you wish to file a complaint.
3. Upload Your Complaint Letter:
   • Write a detailed complaint letter explaining the issue you’re facing. Be concise and clear.
4. Attach Supporting Documents:
   • Upload any relevant documents that support your complaint. These could include transaction records, correspondence with the bank, or evidence of the issue.
5. Include Copies of Original Complaint and Bank’s Response:
   • Attach a copy of the original complaint you submitted to the concerned bank.
   • Also, provide a copy of the response (if any) received from the bank.
6. Submit Your Complaint:
   • Once you’ve filled in all the necessary details, submit your complaint online.

What Happens Next?

After submitting your complaint, the RBI Ombudsman will investigate the matter. They will communicate with the concerned bank and work towards a resolution. You’ll receive updates on the progress of your complaint.

Remember, the Banking Ombudsman is your ally in resolving banking-related disputes. Use this process to seek justice and ensure fair treatment. Happy banking.