How to File a Complaint Against a Bank?

There are a lot of services that a bank provides to the customers and sometimes the problem may arise from the bank side or the customer side.

The problem usually gets solved by the bank itself, however, in rare times, your bank may not solve the problem.

In that case, you need to raise a complaint with the bank, but, what if the bank does not help you with such cases?

Well, to resolve this issue, RBI has created a portal where any bank or NBFC user can register their complaint, there are other areas as well where complaints can be registered.

In this article, we will discuss how to file a complaint against a bank, within Bank departments, RBI, etc.

How to File a Complaint Against a Bank

How to File a Complaint Against a Bank?

You can follow these steps to file a complaint against a bank using following mentioned methods-

Register Your Complaint with Bank

  • Every Major Bank has an online complaint registration portal that you’ll have to visit
  • Now, a form will appear which you’ll have to fill with details like name, address, bank branch details, contact number, issue facing, etc.
  • After filling out the form, you’ll have to submit the form
  • After successful form submission, you’ll receive an OTP which you’ll have to enter in the given field
  • After that, your request for the complaint will be registered and you’ll also be issued with a tracking ID using which you can track your application status

Register your Complaint with RBI

  • To file a complaint with RBI, visit the official website of RBI’s Complaint Management System using this link-
  • Now, select the language you are comfortable in followed by selecting the entity you want to register your complaint with i.e., Bank, NBFC, RRB, etc.
  • Now, in the next step, you’ll have to enter further details of the bank name, branch, email, Mobile Number, etc.
  • Now tick the declaration form followed by nominating someone from your family
  • After that, you’ll have to upload supporting documents like a receipt, file, etc.
  • Now, click on the submit button and your complaint will be registered. You’ll also receive a Complaint number which you can use to track your complaint


What should I do if there are unauthorized charges on my account?

In case, your account has an unauthorized charge then you should immediately call your bank’s customer care and block all your cards, net banking, and mobile banking. After that, raise a complaint with the bank using email ID, customer care, and an online portal. If possible, immediately visit your bank branch and talk to the bank manager.  

Within how many days of a failed transaction the amount has to be re-credited?

In case of a failed transaction, your money will be re-credited within 5 calendar days.

Who is a Banking Ombudsman?

Banking Ombudsman is a senior official in RBI who redress all the complaints registered with the RBI. The Banking Ombudsman reviews, orders or cancels a complaint under the grounds of complaint specified under Clause 8 of the Banking Ombudsman Scheme 2006.

Who is an Internal Ombudsman?

The Internal Ombudsman scheme is launched to set up the Internal Ombudsman and to ensure that the resolution of consumer grievances in banks is taken care of.

Is there any cost involved in filing complaints with Banking Ombudsman?

No, Banking Ombudsman does not charge any fee for registering or redressing any complaint by the customer.