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

Wrongly Adjusted Amount from EMI (HDFC Ltd) ^Open

*. My HDFC Home loan A/c No is on the name of self *. Pl ref to my mails to the customer care regarding outstanding balance against my account. *. It is reflected that there is payment difference between payment due and pay...

Nov 26, 2019 by Siddharth Sharma

High Processing fee charges (RBL Bank) ^Open

Charging higher rate of Interest/service charges /Excess Billing Grievance Details This complaint is in continuous with earlier grievance ******* with National Consumer Helpline. As I didn?t received satisfactory response from RBL bank. It is ...

Nov 24, 2019 by Shiva Shankar L

Threatening calls received from Axis bank credit card after closing the account in 2010 (Axis Bank Credit Card) ^Open

Respected Sir, I am Robert John. My mobile number is xxxxxxxxxx. Also I am using a JIO number because of network issues. Long back in the year **** I had used a credit card from the Axis bank. Also I settled and closed the account in ****...

Nov 13, 2019 by Robert John

Amount debited from mobikiwik wallet without my concern (Mobikiwik) ^Open

On **th Jan, while adding amount of Rs **** to mobikiwik wallet, amount got deducted from my PNB account but was not added in mobikiwik due to which I raised complaint on both parties. After two days , amount got added in my wallet. On *th ...

Oct 31, 2019 by Sanjana Aggarwal

Harassment by Vikas Vajpayee Krishan Wig of HDFC Limited (Hdfc) ^Open

Vikas Vajpayee and Krishan Wig had been harassing for long time including frequent threats of property repossession. We have taken a part loan for our home and have paid more than what we have taken already including payment of about ** lac in ...

Oct 31, 2019 by Dippankar S Halder

Amount not credited to UPPCL by Mobikwik (Mobikwik) ^Open

I paid Rs**** via Mobikwik to UPPCL Urban on **.**.**** for my electricity bill of August ****. The money was not credited to UPPCL, and when enquired at the electricity board counter, they also said that the bill was not paid. When I emailed t...

Oct 26, 2019 by Muhammad Inamullah

Fraud against Personal Loan Ref no (Yes Bank Limited) ^Open

Hi Team, Recently I have taken Personal loan from Yes Bank. Reference no for the same is *******. Before taking the loan, the agent committed that rate of Interest is **% and processing fee is *% and zero pre closing charges after one yea...

Oct 23, 2019 by Raju

Maturity return of fixed deposit (Sbi) ^Open

I Sri Shyamal Biswas deposited Rs. ****/ (Eighty thousand) on **-**-**** and Rs. **** (Nine thousand and one hundred) on **-**-**** as fixed deposit, Receipt no. SD/A/**, ****** and TD/A/**, ****** respectively for a period of * (six) months bu...

Oct 22, 2019 by Shyamal Biswas

Fraud Transaction made on (PayTM) ^Open

I Lakshit Sharma having Savings Bank Account (Account No.: ***********) in State Bank of India, Circuit House Branch, Jodhpur (Raj.) would like to draw your attention towards a very serious issue. On **.**.****, * fraudulent transactions we...

Oct 21, 2019 by Lakshit Sharma

Bounce charge (IDFC first loans) ^Open

i pay my emi on *th oct,**** by online through idfc first loan app payment but the next his agent call you don not pay your emi pay otherwise i charge bounce charged i told him sir i yesterday paid and i gave my transaction id to him for updat...

Oct 20, 2019 by Himanshu Thakur

Transaction Dispute (State Bank of India ) ^Open

Unwanted two transaction done (Rs **** + Rs ****) in my credit card on **/**/**** at **:** pm & **:** pm. Card was with me but transaction happen. Both transaction done in +SBI, G-***, SHAKURPUR. Kindly resolve this issue as early as pos...

Oct 19, 2019 by K SRUJAN

Amount deducted from bank but not received by merchant (PayTM) ^Open

An amount of ***.**/- was paid to Actcorp via Paytm UPI. The amount was deducted from my bank account but was not received by merchant...

Oct 18, 2019 by Sandip Sahu

Online Financial Fraud (Airtel Payments Bank) ^Open

I, Subedar Jatinder Pal Singh, have been residing at E ***, Ganga Vihar Extension, Sadullabad, Loni, Ghaziabad ******. I was having a balance of Rs **** in my Airtel Payments Bank Account No **********, on ** Sep ** and wanted to make an online...

Oct 17, 2019 by JATINDER PAL SINGH

Rewards points redemption issue (Hdfc Bank) ^Open

I had one lakh thirty thousand seven hundred points in my card as a reward point. They gave me a *-month notice on **st August to redeem the point because their team consisting of Gods thought I used the card for Virtual currency purchase which...

Oct 15, 2019 by Ritesh kumar singh

Fraudulent transactions through ATM (SBI BANGANA) ^Open

Fraudulent transactions through ATM were done without any OTP on **th March during the night . The complaint was raised at different platforms including the local bank branch and also with the cyber cell Shimla, but nothing has been done so far...

Oct 05, 2019 by Tilak Raj dhiman

Harassment even after paying complete Loan amount (Bajaj Finance Housing Loan) ^Open

Respected Sir, I had taken a Loan from Bajaj Housing finance Ltd. for the flat booked in Migsun Kiaan Vasundhra, Ghaziabad in the month Oct. **** and Bajaj Finance had disbursed amount of rs. **.** lac against same, but due to some...

Sep 14, 2019 by Jitendra Kumar vig

Loan amount not received (Mahindra finance aurangabad) ^Open

Hi i have applied for a loan in Mahindra Finance, Aurangabad. They asked me to send **** rupees processing fees. When they were going to transfer the loan amount i got this message - Your A/c : XXXXXXXXXX**** Transfer **,***.**/-INR Unsuccess...

Sep 12, 2019 by Iti sachdeva

Over billing of Credit Card by RBL Bank (RBL Bank) ^Open

I want to lodge a complaint against RBL Bank for constantly over billing my credit card account over the past several months. I brought this issue to their attention first time on June *, ****, and provided screenshots. In the credit card...

Sep 12, 2019 by Sumit Kumar Chakrabarti

Loan variance from bajaj (Bajaj Finance Ltd) ^Open

As discussed with Bajaj finance on ROI it is calculated by *.** paisa and the Loan amount is ******. EMI is ***** for ** months and an average of **% they charged. Whereas another person taking the same amount with same tenure and the EMI charg...

Sep 10, 2019 by Suresh Barri

बिना लोन दिये लोन फीस लिया गया (Hdfc Bank) ^Open

...

Sep 10, 2019 by Kaushal rai

Cash didn't credited to my paytm wallet (PayTM) ^Closed

I tried to add money to wallet from my Hdfc credit card on May * (*:** am) due to hospital needs. It debited from credit card and didn't get credited to my paytm wallet. I tried calling their customer care that guy told me if the money got debi...

May 19, 2019 by Nithasha Bran

Money deducted but not credited in receiver account (Phone pay) ^Closed

Money deducted but not credited in a receiver bank account and the total amount is loss **** Rs. Please help....

May 19, 2019 by Kuldeep trivedi

Regarding icici bank (icici bank) ^Closed

...

May 18, 2019 by Rahul shrivastava

FreeCharge payment reinitiate without my consent and made double payment (Freecharge) ^Closed

Yesterday night I made a payment of ***/- for my electricity bill through Freecharge. First of all their system is very slow. I had to wait for a long time and then finally my transaction got failed. As today's was the last day of the bill paym...

May 18, 2019 by Kushagra Bindal

Bus ticket not booked (PayTM) ^Closed

My ticket is not booked and they debited *** rupees. Please do the needful....

May 17, 2019 by Hardik patel

Unauthorized transaction using my debit card (itunes and SBI) ^Closed

I don't own any apple products. The following two transactions were carried out using my debit card. I'm in the UK now and the debit card is with me. *. For purchase worth Rs. **** on POS *************** at ITUNES.COM/BILL txn# ****** *. For...

May 16, 2019 by Soundarya

Bank service issue (Union Bank of India) ^Closed

Meri apse request hai union bank branch Chawri Bazar DelhI ****** * year se bank mujhe pareshan kr rha hai. Passbook k liye m jab bhi wha jata hu to vo khete h staff nhi hai. Ya abhi passbook available nhi hai. Please meri apse request hai yha ...

May 15, 2019 by Manojkumar

Flight ticket cancellation (PayTM) ^Closed

I have booked a flight ticket through Paytm and before * hours I called Paytm to cancel the ticket or reschedule but they have told me I should have called * hours before and they refused it. I called airline AirAsia and asked them to reschedul...

May 13, 2019 by Vikas Singh

Money deducted from account and recharge not successful (Phonepe) ^Closed

I did a recharge of amount *** to mobile no #######*** in **/**/**** at **.** am. My amount deducted from my Phonepe account but recharge did not do. When I contact customer care about the issue on **/**/**** he told me to take * more days to r...

May 13, 2019 by Chhotelal prajapati

Did not paying for my listing (Nafa ) ^Closed

My withdrawal request no - ***** Withdrawal Amount -*** I made my withdrawal request on *nd May but after ** days still my money not credited to my account. Please help to send my money. Also Nafa team not replying to messages....

May 12, 2019 by Shailesh tiwari

Doing unnecessary transaction from my account (droom) ^Closed

I have a bike of which EMI was **** per month. Now they have auto deducted **** Rs extra from my account. I called their customer care also. They are disconnecting my call....

May 10, 2019 by Prasad Shukla

Cash not dispensed from ATM (Sbi) ^Closed

Sbi atm related- Rs. **,***/- cash debited from my account but cash not dispensed from atm machine at SBI main branch, Puducherry. I complained to customer care on **.**.****. But they did not rectify my complaint till date....

May 09, 2019 by Vijayakumar D

Credit card fraud by the bank (Hdfc Bank) ^Closed

Wrong information and wrong monthly bill provided. Not providing a credit card statement as required....

May 07, 2019 by Sunil kumar

Delivered wrong credit card and not the one promised (Yes Bank Limited) ^Closed

Yes Bank promised me a credit card with airport lounge access but issued the one without access. I already had many cards at that point of time but the reason I choose yes bank card was lounge access. Its a clear case of cheating and betrayal. ...

May 07, 2019 by Harshvardhan rai

Amount not refunded (Bank of Baroda ) ^Closed

Mera amount galti se Bank of Baroda ki branch Proddatur Andhra Pradesh me transfer ho gya. * mahine se bob ka staff paresan kr rha hai or amount refund nhi kr rha. So please help me....

May 06, 2019 by Vijendra singh hada

Excessive finance charge and that too without informing (Sbi Credit Card) ^Closed

SBI credit card charged more than **,*** Rs as financial charges & IGST from me from the past * months. I'm a person who pays the full due amount without pending single paise while my earnings are only around **k per month. I noticed it only th...

May 05, 2019 by Guru Ragavendran

Amount not credited (Razorpay) ^Closed

Ticket ID - ****** [Grievance] Both of the above. Amount debited to my HDFC account but not credited to the vendor. Refund also not credited. This is with reference to the direct payment transaction done on **-*-**** for Rs.*,**,***.** vide Me...

May 05, 2019 by Vinod Agarwal

Issue with voucher cashback deals (PayTM) ^Closed

I have purchased * orders on *th April and as a result, I received a total of * vouchers as follows: Order ID: ********** Paytm mall voucher: Rs.****/- Paytm food: Rs.***/- (* nos) Paytm Electricity: Rs.***/- (* nos) Order ID: ********** ...

May 01, 2019 by Dinesh Kumar Karumanchi

Bad customer support (Hdfc Bank) ^Closed

I have tried to withdraw the amount from Axis ATM using HDFC bank, but suddenly because of the power shortage the atm got switched off, but my account debited with the amount *** from Hdfc bank. When I try to call Hdfc bank it is the long autom...

Apr 30, 2019 by Ayub Khan

Threat call and torture (Hdfc Bank And Vertax Radi Go Car Dealer) ^Closed

I was in contact with credit card from last * years and I told them that my financial status is not good as I lost my job. Despite knowing this credit card people are calling my relatives in India and outside and using abusive language. They ca...

Apr 30, 2019 by Neha Nirupam