Bank Complaint Letter Generator for Indian Consumers

iGuideline Summary

RBI requires banks to resolve consumer complaints within 30 days of receiving a written complaint. If your bank does not respond within 30 days or provides an unsatisfactory resolution, you can escalate to the RBI Integrated Ombudsman at cms.rbi.org.in. For failed digital transactions, NPCI mandates auto-reversal within T+5 working days. VERIFY_OFFICIAL_SOURCE: RBI Customer Service circular before filing.

When to File This Complaint

• Bank did not resolve your complaint within 30 days
• Failed transaction not reversed within T+5 business days
• Unauthorized debit from your account not refunded
• Refund not credited after merchant return was processed
• Wrong charges or fees applied to your account
• Account frozen or restricted without valid written notice
• Poor service or discrimination at a bank branch

Documents Required

• Bank account statement showing the disputed transaction
• Transaction SMS alerts and email notifications
• Previous complaint reference number from the bank
• Written complaint acknowledgment from the bank
• Photo ID — Aadhaar Card or PAN Card
• Loan agreement or mandate copy (for loan/EMI disputes)
• Card statement for the disputed period (for card disputes)

Common Mistakes to Avoid

• Filing the complaint verbally without a written record
• Not saving transaction SMS or email proof before contacting the bank
• Skipping the bank escalation and going directly to the Ombudsman
• Missing the 1-year limitation period for the RBI Ombudsman
• Not specifying the exact relief amount in the complaint letter
• Paying the disputed charges before the complaint is fully resolved