RBI has provisions if you want to complain against banks

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In my quest to find more online resource for Indian, I tumbled upon Reserve Bank of India, India’s central Bank, and exploring further I found RBI has provisions under Banking Ombudsman Scheme2006,  if you want to complain against certain deficiency in banking services.

The FAQ clearly states that

  • The Banking Ombudsman is person appointed by the Reserve Bank of India to redress customer complaints against certain deficiency in banking services.
  • The Banking Ombudsman Scheme, 2006 enables resolution of complaints of bank customers relating to certain services rendered by banks.
  • And it covers all Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary Co-operative Banks are covered under the Scheme.

You can file a complaint by filling the form here and get more details by start reading here

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26 Comments to RBI has provisions if you want to complain against banks

  1. HI RESPECTED SIR/MAM,
    My name is vishal s naik on the 11th of june 2010 my ICICI debit card got stuck in the CO-OPERATION BANK at dahisar (e)machine..it gave some errors with some kind of diagnostics running..i recived the money and after that this happened,the watch says come tommorw u will get it now when i went there the manager says there are some problems with the machine but ….he himself dose not know…and the manager like was least bothered while was talking with him more 2 people came and said that their card is also stuck..and the manager gave the same reply…MY CONCERN IS”IF THERE IS A PROBLEM STOP THE MACHINE …PUT A NOTICE THAT THE MACHINE IS OUT OF ORDER..SIMPLE…but the manager now says that go to the main branch and check if it is possible and try things and gave me a # to contact which no one answers or it is busy…( # – 22666734 )I WOULD REALY APPRECIATE IF SOME ACTION WILL BE TAKEN AGAINST THIS …as every individual dose not have time to go all the way to FORT area to check things…because the manager says that we try in 2 days or the card is gone and instead of understanding things was yelling.
    yours faithful;
    Vishal S.Naik
    mbl # 9833040067
    E-mail – vishalsnaik@gmail.com

  2. pankaj jain

    respected officer,
    i am pankaj jain, and i have a/c in central bank of india, sundernagar, malad (w). a/c no. is : 3073516927. And my father Ashok jain has a/c in central bank of india, Lakhnadon, distt. seoni, (M.P.).his a/c no. is : 1887414743. my father has transferred a cheque amount of 4,20,000 rs. (cheque no. 932234) in my a/c.now i want to withdraw that amount. we have given PAN no. of both. but malad branch is saying that this cheque will sending for clearing then after i can withdraw. but all this take much time & they are creating unneccesary trouble for us. please take immediate action for him.and reply soon.
    your’s faithfully
    pankaj jain
    mob. 9821608546

  3. pankaj jain

    espected officer,
    i am pankaj jain, and i have a/c in central bank of india, sundernagar, malad (w). a/c no. is : 3073516927. And my father Ashok jain has a/c in central bank of india, Lakhnadon, distt. seoni, (M.P.).his a/c no. is : 1887414743. my father has transferred a cheque amount of 4,20,000 rs. (cheque no. 932234) in my a/c.now i want to withdraw that amount. we have given PAN no. of both. but malad branch is saying that this cheque will sending for clearing then after i can withdraw. but all this take much time & they are creating unneccesary trouble for us. please take immediate action for him.and reply soon.
    your’s faithfully
    pankaj jain
    mob. 9821608546

  4. Sukharanjan Masid

    Respected officer,

    I am Shri Sukharanjan Masid, Bankimpally Madhyamgram, WV PIN 700129. I opened one FD a/c bearing no 910040018443536 with AXIS bank Ltd , Madhyamgram Branch, Kolkata 700129 . It was opened on 12.05.2010 for 35 months on MIS basis with interest @8.25 PA . Accordingly Rs 2048/ was credited to my SB a/c no547010100001045 on 12.06.2010. But to mutter surprise Rs 1297/ has been credited to my said SB a/c on 12.07.2010 by way of interest in stead of Rs 2010. The matter was immediately informed to the Manager of the concerened branch. But no action has yet been taken to credit the short amount/
    You are requested to kindly take up the matter with The Axis Bank Ltd for redressal of my grivance

    Thanking you,
    Regards
    Sukharanjan Masid
    Mob 9874317137

  5. Rabia khatoon

    i have been forged by punjab national bank . Cashier have been arrested. Bank address. Pnb narayanpur,patherdewa,deoria up india.

  6. BABITA PATEL

    respected sir

    i am babita patel. i won the prize in coca cola 2010 and they transfer money in RBI. SO I WANT TO KNOW HOW 5TO WITHDRAW PAYMENT.PLEASE REPLY ME AS SOON AS POSSIBLE.

    THANKING YOU

  7. Bani Banerjee

    Dear sir,
    I Bani Banerjee w/o Late sunil Banerjee being membership no. (1265)and as wel as Customer of Ramkrishnapur Co-operative Bank Ltd., Howrah-711 101 which was situated on 18/1, Charu Chandra Singha Lane, Howrah-711 101 ( W.B) This bank is running under your supervision since April, 1983. The bank is being developed (outlooking) their business upwards till mid of 2009. Unfortunately it came to know as per your Circular no. UBD.CO.NSBH/D-56/12.29.038/2009-10 dated August 20,2009 that bank is not in a position to run in normal way. After that in a circular dated 17.06.2010 you are delivered the order rejecting the banking application for the licence and informed the authority to processed for liquidation..

    So, in this situation I as a senior citizen, widow and Central Govt. retired employee not in a position to maintain my day to day expenditure as I was totally depend upon the bank monthly interest (MIS scheme)/

    I am requesting you to kindly take as emergent step to normalize the banking activities by which all customers like me can run their livelihood as like as before to draw the amount as their requirement and the local people can return their normal financial health as before by their transaction.

    Bani Banerjee
    Howrah
    34/2, charu chandra singha Lane, Howrah

  8. Dear sir,

    I would like to inform you that we take a SBI credit card in the yr 2004 and we have handover my card to bank May 2006 alongwith full payment. That time no outstanding on card.

    But last one month we have recd daily ph call thru recovery agent on my ph and home tell me my o/s is Rs 25000/-, next person 30000/- and talking me and my home lady in bad language . I am informed him we have all correspondence letter plz take a copy and check at your end.

    What I do, pls. suggest me that without using the card how I can pay the amount. Even customer care is also not taking any interest in this matter; simply they are saying that you have to pay the outstanding at any cost.

    Kindly look into the matter and do the needfull.

    Rgds

    Jitendra Sharma
    9928334432
    SBI Card No. 4317 xxxx xxxx 7526

  9. rajesh rawat

    dear sir,
    my name is rajesh rawat and i have a acoount in icici bank,and my account number is 107001505874, dated 10-9-2010 i have a lodged a complaint in icici bank by telephonic regarding amount withdrawn for pnb bank atm , my entry is rs 500, but pnb bank atm given only rs 400 at the same time i complain the security guard who is presence in the atm and he told me , you give one written complaint for bank atm complain book, same time i am given the written complain, after that i complain the icici bank and he give me one complain number and told me that, you wait just 15 days your money are refund in your account, my complain no is sr151829491,but after one month icici bank told me that ,pnb bank given the status about my complain my bank atm given the rs 500, sir i think this is not good. i want to you please inquiry my complaint and give status.

    thank’s

    rajesh rawat
    9891150801

  10. Vineet Mimani

    Dear Sir,
    I have an account in Indusind Bank, Siliguri,West Bengal in the name Jewanram Chetandass and the account no. is 0059G00429060. Sir as on 30/11/2010 I had a balance of Rs56310.65 and than deposited a sum of Rs20000.00 to make a pay order of Rs71960.00 in favour of Hindustan Petroleum Corporation Ltd. But was unable to do so as the bank denied to make it stating that their banking system won’t take the entry for the required amount stating that cash deposited on the same day i.e. Rs20000.00 cannot be accounted for the procurement of the pay order amounting to Rs71960.00 on the same day.
    Hence request you to kindly guide us whether the system followed by INDUSIND BANK is correct or not.
    Regards,
    Vineet Mimani
    M/s Jewanram Chetandass,
    Dealer:Hindustan Petroleum Corpn. Ltd.
    Siliguri,West Bengal.
    9733400021/22
    Dated: 01/12/201

  11. shidramappa patel

    FROM :
    MR.SHIDRAMAPPA DHARMANNA PATEL,
    BEHIND LAXMI PROVISION STORES,
    PRABHUDA NAGAR, NEAR TATA COLONY,
    AZIZ BAUG, CHEMBUR, MUMBAI-400 074
    TEL: 25545543

    DATED .04/12/2010
    TO,
    I.C.I.C.I BANK
    FREE PRESS BLDG,
    FREE PRESS JRN.ROAD,
    NARIMAN POINT,
    MUMBAI-400021

    SUB: ILLEGAL TRANSACTION FROM MY ACCOUNT
    REF : ICICI BANK NRI ACCOUNT NO. SB – 000401449068

    Dear Sir/ Madam,

    Please refer to my letter dated 18/11/2010 in which I had cleared mentioned that -
    ON 28/10/2010 THE PHONE CALL CAME FROM ICICI BANK – CALL CENTER IN MY HOME AND ON MY CELL REGARDING DEBIT OF RS.154000/- appprox FROM MY ACCOUNT.

    HOW IT IS POSSIBLE , WITH OUT CONFIRMATION OF THE ACCOUNT HOLDER AND CONFIRMED WITH ICICI BANK PERSON ON 28/10/2010 THAT TRANSACTION NOT DONE BY ME AND ALSO REQUEST TO REVERSE THE SAME.

    AND ON SAME DAY ICICI BANK REGISTERED COMPLAINT NO. SR 156257389 DUE DATE GIVEN TO ME WAS 28/11/2010. ON CALL ON 29/11/2010 ICICI BANK TELLING US THAT THIS TRANSACTION IS GENUINE TRANSACTION.

    HOW IT IS POSSIBLE , AS THE BANK IS CONFIRMING THE PARTY ON 28/10/2010 AS THE PAYMENT GONE TO SOME OTHER ELSE FROM MY ACCOUNT WITHOUT CONFIRMATION ON 27/10/2010 AS PER MY ACCOUNT STATEMENT.

    AND FURHTER I AM ALSO GETTING REPLY FROM THE ICICI BANK THAT —–

    FROM :Sitansu Mishra
    Office of Head Service Quality
    ICICI BANK

    Kindly note that ICICI Bank shall not be liable to you or any other
    person for any loss whatsoever whether direct or indirect that you may
    incur as a consequence of your response to the e-mail in question nor
    shall be in a position to entertain any claims for compensation.

    I WANT THE SOLUTION FOR THE SAME BY EMAIL OR BY PHONE CALL TO BELOW MENTIONED NUMBERS AS I FUNDS HAVE TRANSFERRED TO SOME BODY ELSE INSPITE OF STOP INSTRUCTIONS GIVEN TO ICICI BANK.

    please help to get my funds back

    YOURS FAITHFULLY,
    MR. SHIDRAMAPPA D.PATEL
    MOB. 9022575296 / 9967221024
    RES.022 – 25545543

  12. Shahbaz Alam

    Dear sir/madam,
    My name is shahbaz alam having account with INDIAN BANK,SFS BRANCH,JANAKPURI A/C NO 703564232, on urgent basis when i was not having ATM CARD on the time of withdrawl money, i went to INDIAN BANK,DB GUPTA ROAD,PAHARGANJ Due to not having proper facility of light in branch i have to wait around 2 hours for money withdrawl and after that employee sitting there said that we could not proccess your cheque because your signature is not flashed,i will be highly oblidge you if you could take action against this branch where costomer satisfaction is very poor and this has not happen one time many a time it repeated employee sitting there are involving in gossips and listening songs from redio it is rediculus i just fadeup to visit there.

    regards
    Shahbaz Alam
    A-31,Shastri Nagar
    New Delhi
    MOB-07838351983

  13. sir,
    i/we need a branch of the bank other then the syndicate bank in our town faridnagar.,dist-ghaziabad,u.p.
    shubham

  14. suminder kaur

    respected sir/mam
    my parants have fixed deposit of rs 500000 in central of india,gumatala,amritsar.they r having joint a/c.the employees of bank behave very badly and they treat the customers so irresponsibly that i have seen that many of the customers being fadeup with the employees.the employees of the bank many times don’t make entreies in the pass book and when we ask them for making entries they don’t give any response.the r so lazy that they keep on pending their work.when my parents made a f.d in bank.they make my parent to come every day in the bank and they r making excuses that the f.d will be given to u next day….
    i hope that some strict action will be taken against them as this is the common problem of all the customers of centrel bank of india,gumtala amritsar

  15. Naresh gupta

    Hi
    I want to inform you about what is going on in Citibank. The people working in Citi bank are not eligible for the posts they are working at. They are not professional . They are destroying people life. Its appears that Citi bank has no social responsibilities.
    I went for Citi bank(Gurgaon) interview around 25th of nov. I was informed that you are selected and we will send offer later to you.. Later on they called and ask for few salary slips, previous company offer letter and resignation letter. They told me about joining date but due to lack of managment they changed the joining date three times.They did send any offer letter. I talk to citi bank H R ( Mary James) atleast 5 times . She was very rude .She was not ready to accept that some is jobless because of their lack of managment .She told me dont worry you will get you offer letter.Last time I called her on 27th jan and she told that we dont have any openning now.I lost my job because of Citibank poor H R Dept. Could you please let me know what i am supposed to do now.
    Thanks and regards
    Gupta Naresh
    # 9953596790

  16. Alok Sharma

    Sir,
    I am Alok Sharma from Uttar Pradesh. I got a mail from info@reservebankofindiarbi.tk that I got 85 lakhs by Government of India and RBI has this money. Also I have received a transfer letter. Sir what is the matter, please tell me, if in real I got some help, it will be a God gift, as I am passing in a very critical economic problem and I need only 1 lakh for the same. I dont need any money, so please tell me.

    ALok Sharma
    Mob: +91-7417417965

  17. Abhishek Kumar

    Respected sir,
    I “Abhishek kumar” want to complain against Punjab National Bank for kankarbagh branch in patna.Actually I had booked a flight ticket from Yatra on 4th of Jan 2011.The flight was schedule on 7th of Jan 2011.But unfortunately the flight got cancelled.So the Yatra group had refunded the whole amount(Rs.11,468) on 24th of Jan 2011.But still the amount has not been credited to my account.I again complain to Yatra group but they replied that
    “We believe that we have provided you all the information regarding the refund. Even we have given you the data of the refund from the PAYMENT GATEWAY. Yatra is not to be blamed if your bank has received the refund and is not updating it in your account even though the PAYMENT GATEWAY shows that your bank have received the refund. Your bank may not update the refund in your account but Yatra will not be able to refund twice to your bank.
    Kindly go through the trailing mail; we have given you every details of the refund from the PAYMENT GATEWAY which includes the refund transaction number as well.
    Your bank should know what the PAYMENT GATEWAY is.

    Now can you please help me out.Its not a small amount that I can have patience for so long.Please take some against with this branch.This is the worst branch you ‘ll ever see.The representatives of this bank are also pathetic.They don’t respect their customer at all.
    I hope you ‘ll understand my grievance.Please look into this matter as soon as possible.

    Regards,
    Abhishek Kumar.

  18. shidramappa patel

    FROM :

    MR.SHIDRAMAPPA DHARMANNA PATEL,
    BEHIND LAXMI PROVISION STORES,
    PRABHUDA NAGAR, NEAR TATA COLONY,
    AZIZ BAUG, CHEMBUR, MUMBAI-400 074
    TEL: 25545543/ 9967221024

    TO,

    RBI, MUMBAI

    RESPECTED SIR/ MADAM,

    I MR.SHIDRAMAPPA DHARMANNA PATEL, WOULD LIKE TO GIVE YOU FURHTER DETIALS OF MY ACCOUNT WHICH I HAD RECEIVED FROM ICICI – BANK.

    MY ACCOUNT WAS DEBITED BY ICICI BANK WITHOUT CONFIRMATION ON 27/10/2010, 6 TRANSACTION WERE DEBITED TO MY ACCOUNT THE DETAILS ARE AS FOLLOWS WHICH I HAD NEVER DONE STATEMENT ENCLOSED ……..

    DATE PARTICULARS AMOUNT

    27/10/2010 BILL 000184594122 = 115960.00

    27/10/2010 BILL 000184721272 = 500.00

    27/10/2010 BILL 000184722050 = 500.00

    27/10/2010 BILL 000184722404 = 500.00

    27/10/2010 BILL 000184734265 = 4881.60

    27/10/2010 BILL 000184735346 = 30702.44

    TOTAL = 153044.04

    I HAD EACH AND EVERY DAY CALLED AND EMAILED ICICI BANK THAT I HAD NOT DONE ABOVE TRANACTION THEN ALSO I HAD NOT RECEIVED ANY REPLY.

    SIR, I HAD VISITED ICICI BANK NARIMAN POINT WHERE MY ACCOUNT IS , AND AT ICICI BANK BASANT CINEMA AND CHEMBUR STATION BRANCH.

    CONTD..2

    ……2…….

    ON 01/11/2010 THE BANK HAD REVERESED THE 3 BILL ENTRIES TO MY ACCOUNT THE DETAILS ARE HAD FOLLOWS WITHOUT ANY INFORMATION AS PER THE STATEMENT ENCLOSED FOR THE MONTH OF NOV’2010………

    27/10/2010 BILL 000184722050 500.00

    27/10/2010 BILL 000184734265 4881.60

    27/10/2010 BILL 000184735346 30702.44

    TOTAL = 36,084.04

    AND THE BANK IS ARGUING WITH ME THAT THIS CASE IS A BILLER FRAUD THROUGH SHOPPING MALL CASE AND POLICE AS TO SOLVE TAKE ACTION.

    SO, SIR PLEASE TAKE NECESSARY ACTION TO RECOVER RS.116000/- FROM ICICI BANK FROM ABOVE TRANCTION YOU CAN SEE HOW ICICI BANK IS PLAYING WITH ME .

    SIR, I ONCE AGAIN REQUEST YOU TO TAKE LEGAL ACTION ON THE ABOVE MATTER AND PUNISH THE CULPRIT WHO HAD TAKEN ADVANTAGE AND MISUSED MY ACCOUNT.

    YOURS FAITHFULLY,

    MR. SHIDRAMAPPA D.PATEL

    MOB. 9022575296

    (BROTHER MOB.9967221024)

    RES.25545543

    COPIES : SUBMITTED TO CYBER CRIME MUMBAI

  19. hi my name is sachin
    i am the customer of icicibank they are very lazy doing work very slowly mostly when i go to deposit money there system is not working and also they not accept note of 10rs when i go to deposit money to my base branch than they accept but when going other branch they not accept note of ten rs and also they says that go to your own branch do not come to our branch or you have to open a account with us so feeling bad so in my oponion they have to close accept of note 10rs or rbi have to do some thing that if they not accept we can complaing against him branch manager also not doing right with us he also fevering with his cashier so i want to do complaint against icici bank any one who have know where to complaint about this
    thank you

  20. Respected RBI . . . ,

    Dear Sir/madam i am saraboji naick from tamilnadu .I am a Banker worked in a Axis Bank in coimbatore circle . What a problem i face is , i am banker i am worked in a bank not a marketing company . They give a target like selling other products like Life Insurance , Gineral Insurance , selling Gold coins , mutual funds etc….,
    I want to be a Banker not a marketer . The bank not only giving the targets also TORTURE pls Help us & Guide us .

    thankyou

  21. some neegros are cheating indians using RBI,

    i got lottery RBI email, but i know its fraud, so i didnt respond, but we all indians have to do some thing in this, becasue i know this matter so i didnt get cheat, but there are chance some people may get cheated , so pls do something and we have to kick out this all neegros from india. pls do some thing or tell me what shud we do to stop this, because i dont want any of my indian people shud get cheated in this . so pls help me

  22. Manish kumar gupta

    Respected sir,
    My account is in union bank, hdfc check amount 15681/- jisse mere account me 17243/- hai. Phir bhi mere account se check bonsing charge 150/- deduct kiya. Sir aj ke samay me har chhiz computerised hai, union bank account statement show kar raha hai, ki jis time 150/- kata gaya, us samay already utna amount tha jisse ki hdfc ka check clearing ho sake.yadi bonsing charge katna hi tha. To previus accont balance se kat leta.plz help me soon & contact MOBILE NO. 9977685198, 9303337590 thanks.
    Manish gupta
    Union bank account no.-527302010007411, costomer id-209739851,branch- babupur district- satna mp(485112)

  23. respected sir

    I am an employee of an axis bank in visakhapatnam recently we heard abut cobra post but the higher officals are forcing to make life insurance policies other wise they are asking me apply resignation to your job.kindly think about employee point of view.please enquire and then publish it. may be you can find world biggest scam done by all private banks .i am very sorry i cant give any personal information about me

  24. Ram Pravesh

    Date- 21 July 2013

    Respected Sir

    I Ram Parvesh is a Oriental Bank Of Commerce account holder of Appollo Hospital branch of New Delhi with bearing account.no -: 50762010023240 Sir i had got a problem in withdrawing the money from Allahbad bank ATM, where I DID NOT get the money but the amount was deducted from my account. The transaction was made on 1st July2013 with a transaction amount of Rs 10000(which was deducted), but neither i recieved cash nor reciept slip of transaction.

    I have complained to my Oriental Bank Of Commerce Branch with proper documents i.e. transaction slips etc which is enclosed with this mail.
    But the bank officials and even the customer care Officials did not initiate about the matter in my favour.

    I have been running from post to post to get my matter resolved but nothing has happened till date.

    I need the money immediately as I am going through a financial crisis.

    Already 20 days has passed, pleases arrange to credit the same deducted amount to my account as soon as possible.

    Enclosures :-
    1. Refund status – Rejected (given by OBC BANK)
    2 . Passbook front page
    3. Updated passbook showing debit of rs 10000 rs .

    Regards

    Ram Pravesh

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