anuragmukherjee28
Moderator
Quick overview: Try to resolve the issue with your bank first. If the bank doesn’t resolve it or you get an unsatisfactory reply, you can file with the RBI Ombudsman online. You’ll get a complaint number (SMS) after submission and can track the case.
Before you start, check these things:
• Your mobile number and email (for OTP and updates)
• A copy of the written/electronic complaint you already filed with your bank
• Supporting documents (statements, screenshots, emails)
• A PDF copy of the bank complaint (under 2MB)
• Amount involved and compensation sought
• Your address and ID details
Step-by-Step Filing Process
Visit the RBI complaints page → select the option to file a complaint against a regulated entity.
Enter complainant details: Name, Mobile Number (OTP), Email, Address, State, District.
3. Provide details of the regulated entity: Bank name, credit card/account issue, etc.
4. Select complaint category and sub-category. Enter the subject of complaint, one short line.
6. Write the facts of your complaint clearly (chronological, with dates and transaction IDs). Enter amount involved and compensation sought.
Upload the copy of your complaint previously filed with the bank. Upload supporting documents (if any). Answer eligibility questions (not sub-judice, not handled earlier, etc.). Review all details and submit the complaint.
Save the complaint number received via SMS. After Submission: You will receive an acknowledgement by SMS/email. RBI may forward your complaint to the bank for resolution. You can track the complaint using the complaint number.
Tips
• Be clear, factual, and polite.
• Keep documents small (PDF < 2MB).
• Save all screenshots and emails.
• Do not file multiple complaints for the same issue.
Sample “Facts of the Complaint” Structure:
1) On [date], a charge of ₹[amount] was applied (Transaction ID: XXXXXXXX).
2) I contacted the bank on [date] via email/phone (ticket number XXXXX).
3) Bank replied on [date] / did not reply.
4) I seek refund of ₹[amount] and compensation for inconvenience.
Before you start, check these things:
• Your mobile number and email (for OTP and updates)
• A copy of the written/electronic complaint you already filed with your bank
• Supporting documents (statements, screenshots, emails)
• A PDF copy of the bank complaint (under 2MB)
• Amount involved and compensation sought
• Your address and ID details
Step-by-Step Filing Process
Visit the RBI complaints page → select the option to file a complaint against a regulated entity.
Enter complainant details: Name, Mobile Number (OTP), Email, Address, State, District.
3. Provide details of the regulated entity: Bank name, credit card/account issue, etc.
4. Select complaint category and sub-category. Enter the subject of complaint, one short line.
6. Write the facts of your complaint clearly (chronological, with dates and transaction IDs). Enter amount involved and compensation sought.
Upload the copy of your complaint previously filed with the bank. Upload supporting documents (if any). Answer eligibility questions (not sub-judice, not handled earlier, etc.). Review all details and submit the complaint.
Save the complaint number received via SMS. After Submission: You will receive an acknowledgement by SMS/email. RBI may forward your complaint to the bank for resolution. You can track the complaint using the complaint number.
Tips
• Be clear, factual, and polite.
• Keep documents small (PDF < 2MB).
• Save all screenshots and emails.
• Do not file multiple complaints for the same issue.
Sample “Facts of the Complaint” Structure:
1) On [date], a charge of ₹[amount] was applied (Transaction ID: XXXXXXXX).
2) I contacted the bank on [date] via email/phone (ticket number XXXXX).
3) Bank replied on [date] / did not reply.
4) I seek refund of ₹[amount] and compensation for inconvenience.
