File a complaint against Bank services

Banking Complaints

A bank refers to a financial instituition that accepts deposits and creates credit. Banks are of utmost importance to the economy and are a safe place to deposit excess cash. As per the RBI website, there are a total number of 19 nationalized banks in India. These include Allahabad Bank, Bank of Baroda, Union Bank, Uco Bank etc. According to a recent survey by Times of India, every hour 11 people complain against their bank. The most commonly reported banking complaint in India by consumers include bad customer service, checks/funds bouncing, extra charges levied, debit/credit card blocked etc. So what can be done to these reported complaints against bank? First and foremost step should be contacting the bank’s customer care itself as they genuinely care about the customer satisfaction and would be willing to resolve the consumer complaints. Here are customer care number of some of top banks in India :

State bank of India (SBI) Customer Care - 1800 425 3800
Union Bank of India (UBI) Customer Care - 1800 22 2244
Allahabad Bank Customer Care - 1800 57 22 000
Bank of Baroda Customer Care - 1800 102 4455
UCO Bank Customer Care - 1800 274 0123
Bank of Maharashtra Customer Care - 18002334526
Bank of India (BOI) Customer Care - 1800 22 0229
Central Bank of India (CBI) Customer Care - 1800 22 1911
HDFC Bank Card Customer Care - 1800 266 4332
ICICI Bank Customer Care - 1800 200 3344
Punjab National Bank (PNB) Customer Care - 1800 180 2222
Axis Bank Customer Care - 1860 419 5555

So apart from calling at these customer care numbers what else can be done? First things first the customer can visit the bank and meet the officials or complain at the grievance cell to sort out the issue. Moreover some banks have an option of filing a complaint at their website also. However if the bank is unwilling to address the issue then you can approach the Banking Ombudsman. A banking ombudsman is a senior offical appointed by the Reserve Bank of India (RBI) to resolve consumer complaints against deficiency in the banking services. So far there a total number of 15 Bank Ombudsman whose number can be found on the official RBI website. The consumer has to file a complaint at the ombudsman under whose juridiction the bank branch is location. All the consumer has to do is write in down on paper, or send complaint via email. There are no charges for filing a complaint. However if you are not satisfied with the settlement offered by the ombudsman, you can file an appeal before the appellate authority within 30 days.

Most Common Issue Reported for Banking Complaints

Fraudulent transaction

Beneficiary not credited

No Cashback

Bad customer support

Unauthorized Wallet transaction

Amount deducted but transaction failed

Amount not credited (Phonepe) ^Open

Am amount transferred ***** from yes bank to canara bank account through PhonePe app on **/**/****. But amount didn't credited to receiver bank and in debited account amount also deducted. Ofter that I raised complaint like despute form. Ofte...

Apr 15, 2019 by Manjunath A P

ATM failed transaction (State Bank of India ) ^Open

I have a salary account ( Customer id: ********) in HDFC Bank, Vijaynagar Branch, Mysore. I am working in Raghupati Singhania Cetre of Exellence. I had withdrawn Rs *****/- on **.**.**** ( approx *.** pm), but the transaction was failed due to ...

Apr 15, 2019 by Arnab Dutta

Coupon code provided for deal is invalid (PayTM) ^Open

I have purchased a deal worth Rs **** on Paytm app and the coupon code which they have provided is invalid. Kindly provide me with a valid coupon code or help me to get the refund my **** Rs....

Apr 14, 2019 by Anisha khatri

Refund not received (Sbi Bank) ^Open

I have placed * same orders of Rs **** from Flipkart on *th April and paid through my SBI debit card. Then I have cancelled the order so that I should get the * refunds of **** Rs. As the seller has refunded me already on the same date and it s...

Apr 13, 2019 by Sarita pani

Problem while removing my mortgage paper (Hdfc Bank) ^Open

A/c No: ************** (Jabbar Trading Company) **************(Bharat Oil Mill) I am having the credit facility at Hdfc bank in the name of Jabbar Trading Company and Bharat Oil Mill for Rs ** lac in both firm total *.**Cr. I am getting prob...

Apr 13, 2019 by Aslam Chini

Payment got failed (Airtel Payment Bank) ^Open

I filled my electric bill through airtel payment but it failed and my payment is not refunded to me. Detail of the message that was received from the bank of debit balance is below. " ALERT: You've spent Rs.****.** on DEBIT/ATM Card xx**** a...

Apr 12, 2019 by Gurtej singh

Failed transaction balance not refunded (Phonepe And Sbi Bank) ^Open

I would like to inform you that I have sent the money of Rs ***** to Bharat pay but the transaction was not successful. The payment id is P********************** and the UTR no are ************ and Ref No. Transfer to *************. This transa...

Apr 11, 2019 by Ravi kumar

Cash debited but not transferred (Bank of India) ^Open

This to inform you that I have transferred Rs. **** from my mobile app account to another party account but unfortunately, cash is debited from my account and the second party is unable to receive the amount. So help me to get my money back as ...

Apr 10, 2019 by Jitesh kumar thirani

Unauthorised amount debited (ICICI Bank Limited ) ^Open

I was holding ICICI credit card no. **************** but cleared by dues in **** and also got a letter as well as mail from ICICI Bank on ** July **** that I have no outstanding, but still, it showing dues in my card and this I got to know fro...

Apr 10, 2019 by Deepak kumar kanodia

Amount not credited in my wallet (Airtel Payment Bank) ^Open

I have added ₹**** on * April in my airtel wallet using UPI. My money is debited from my account but not credited in the wallet. I already registered a complaint in the bank as well as Airtel. Bank told me transaction is completed successfull...

Apr 09, 2019 by Vasu garg

Redemption of reward points (Punjab National Bank) ^Open

I had redeemed **** pnb reward points by ordering an item on **.**.**** as pnb was repeatedly sending the messages to redeem the points. It was printed on the generated receipt that 'Your merchandise will reach you in ** business days' (Receipt...

Mar 06, 2019 by Rajendra Prakash Raturi

I got failed transfer request but payment cut from my account (DBS Bank) ^Open

i got three message according to this thn i paid to him my another bank And now i want my money back but still no answer from bank...

Jun 12, 2018 by kaushik sutariya

Loss of Credibility (Wrongly Dishonoured Cheque) (State Bank Of India ) ^Open

I have given a cheque to my creditor for payment for goods procured and Creditor deposited cheque in the bank and not received the funds and Clearing Bank returned the cheque stating insufficient funds . But actual funds in bank were ** times...

Jun 08, 2018 by Ravi Theja

No help from bank / Nodal team - request for loan agreement documents (Axis Bank) ^Open

Loan no:LP************* / Loan no:LP************* while availing a loan from the axis bank, the bank has not provided the loan agreements which were signed by my mother. the bank is now on repeated requests denying the providing the lette...

Jun 07, 2018 by Johnson

ICICI tax saving bond- 032005-TSB-one (year 2005) (ICICI Bank Limited ) ^Open

We have one icici tax saving bond- ******-tbs-one (year ****)   We wanted to ENCASH our above bond whose original copies has already sent by us to Icici bank but even after ** months time it has not been encashed. We are contacting them da...

Jun 06, 2018 by Rajat Agarwal

Non receipt of interest on e flexi rd done through internet banking (State Bank Of India ) ^Open

my sbi savings account no is ***********. i have opened two e flexi rd through internet banking. one matured on *rd june **** and other maturing on **th june ****. against one which is matured, i have only got principle amount in my savings acc...

Jun 05, 2018 by saurav kumar

Non Adherenace to RBI Guidelines for Levy of Minimum Balance Chargesa (Canara Bank) ^Open

We Would Like To Update You On Our Below Issue With Canara Bank, Binovanagar Branch Where They Have Failed To Carry Our Due Adherence To Procedural Guidelines And Circulars Of Rbi In Levying Minimum Balance Charges As They Are Not Able To Pr...

May 28, 2018 by Asha Kanta Sharma

Non Adherence to RBI Guidelines for levy of Minimum Balance Charges (Kotak Mahindra Bank) ^Open

To, Kotak Mahindra Bank Limited Cin: L*****Mh****Plc****** **Bkc, C - **, G-Block, Bandra-Kurla Complex, Bandra East, Mumbai - ******. Tel No.: +** ** ********, Fax No.: +** ** ********. Website: Www.Kotak.Com I Would Like To Upda...

May 28, 2018 by Asha Kanta Sharma

Negligence in Rendering Banking Services (ICICI Bank Limited ) ^Open

The below are the issues against your bank as per mail dated **th February **** Now let me highlight you about my experience on visiting my home branch of icici bank for updating my Aadhar Details **nd January ****:- *. I reached there w...

May 28, 2018 by Asha Kanta Sharma