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 deducted but not credited in merchant account (PayTM) ^Open

Payment through UPI made on */*/**** and money got deducted from my bank. Paytm care told me that transaction processed from their end but amount not credited to the merchant. Reference number mentioned in below photo attachment....

Sep 07, 2019 by Krishna

Refund issue related (Mobikwik) ^Open

I made a credit card payment of Rs *****.** on Aug *st **** through Mobikwik with reference number ************ but my credit card payment was not made. It was not intimated to me by Mobikwik. But the amount was debited from my bank. I contacte...

Sep 05, 2019 by Venkatesh M

Atm se rupye prapt na hone ke vishey me (Bank of Baroda ) ^Open

** June **** ko Bank of Baroda atm se **** rupye nikalte samye light chali jane se **** Rs. atm machine se bhar nhi aaye kintu bank se cash withdraw hone ka SMS prapt huwa. Bank account se **** Rs. cut gye....

Sep 04, 2019 by Anjita teshwar D/O Balram

Lein amount in my savings account (State Bank of India ) ^Open

I have saving account in State bank of India. In my account showing lein amount Rs. *,**,***/- but I have not received any kind of message and I don't have any outstanding. When I call customer care they told visit the home branch....

Sep 04, 2019 by VENUGOPAL MUGALA

Mental suffering because of negligence and carelessness (Citibank) ^Open

This email I am writing to you today is to express my concern and voice my discontent at the Citibank employees for their poor behaviour and erroneous judgment. Highlighted below is my experience. On August **th, Aagam Nagaraju from Citibank c...

Sep 04, 2019 by Shashank m

Debited amount from my account (icici bank) ^Open

Rs *** Rs twice debited wrongly in my account but not refunded. Please do the needful....

Sep 03, 2019 by Venkatesan n r

Money was deducted from my Mobikwik wallet and it did not come back (Mobikwik) ^Open

The money has been deducted from my Mobikwik wallet and they are telling about the bank but the bank is not giving any procedure to it because this amount has not been reflected in their statement and the other thing is that the money which was...

Sep 03, 2019 by Vikram kumar jha

Regarding KCC loan NOC (Hdfc Bank) ^Open

My husband takes the KCc loans from HDFC bank Vijaynagar Jabalpur. As of now he no more. After the death of my husband, I am arranging the overdue amount settled the loans on June **. The bank also provides me settlement letters but after * mon...

Sep 02, 2019 by Amit kumar jain

Bank mitra ke liye (Emitra csp foundation ) ^Open

Is company ne bank csp dilane ki bat kahkar meri bat sabase pahle Sanjay Sharma ji se karayi. Inhone registration ke nam par ***** a/c ke liye ***** liye or bole ki ***** aapko RBI bank degi. Apke area location pe aane ke liye travel ka kharch ...

Sep 02, 2019 by Amar pal

Bfc services fraudulent issue (Bharat Finance Capital Loan Services) ^Open

I had applied for a loan of * lakhs in the company Bharat Finance Capital Services (BFC services) located in Prayagraj Uttar Pradesh yesterday by seeing their ad by Quikr. After submitting the documents through WhatsApp they had verified and sa...

Sep 02, 2019 by Ajay Kumar Mishra

Money blocked with wallet account (Airtel bank) ^Open

I am registered with Airtel money wallet. After that added **** into the wallet account. But that was blocked with Airtel money wallet. I contact customer service but they did not resolve yet. ...

Sep 01, 2019 by G SESHAKUMARI

ATM money not withdraw (Canara bank madhugiri branch) ^Open

On ** June ****, I came at Canara bank ATM near Tumkur gate Madhugiri. I insert my card to draw the amount of Rs *****. First time its ask input pin I press my pin amount not received. It shows please insert correct card. Second time in insert ...

Aug 30, 2019 by Vishalakshamma

Amount not refund (SBI & Phone pe ) ^Open

While paying electricity bill of ₹*,*** on ** July my transection failed but an amount has been deducted from my bank account and * Times I have already complain in SBI costomer care for it but they cancelled my complain saying incorrect det...

Aug 30, 2019 by Anushka Pradhan

Money debited from my account but was not credited to merchant account (Google Pay) ^Open

I made a transaction through google pay inorder to book a bus ticket. money was debited from my account but was not credited to merchant account ,and i even did not received a bus ticket i was asked to make *nd transaction by merchant ..and ...

Aug 29, 2019 by Rohan jiwatode

Bonus amount is not credited (PayTM) ^Open

In paytm game frst i havr received a offer stating that get **%bonus on min deposit of ****rs... so i have deposited the same and played the game.. they said that after **hrs they will provide the bonus amount.. till now the bonus amount have n...

Aug 29, 2019 by Hemalatha

Amount deducted without notification (Hdfc Bank) ^Open

The amount of Rs.*** has been deducted from my HDFC savings bank account on **th Aug ****. Please help....

Aug 28, 2019 by Poojitha Majji

Refund not initiated for flight tickets (PayTM) ^Open

I have booked * international flight tickets (Jet-Airways) on Paytm portal. I have already waited for more than * months, still I haven't received the refund. Initially Paytm clearly informed me that, my PNRs got picked up for refund and then ...

Aug 27, 2019 by Abhishek Pattjoshi

Wrong deduction of amount (PayTM) ^Open

I have taken loan from Kredit Bee app against loan id KB******XICN dtd. **-**-**. I made online payment of amt. **,***/- through paytm gateway dtd. **-**-** but in app loan is scheduled for repayment. Attached also find the text message receive...

Aug 27, 2019 by Afjal Ali Ansary

Fraud transaction done (Andhra Bank) ^Open

I am Danish Aftab. on **th of august around *:** PM my account is debited by **,*** rs. When I checked the message I visited my Andhra branch and told the whole incident to the staff, they said bank is closed you need to come tomorrow and visit...

Aug 27, 2019 by Danish Aftab

Money debited from my bank account but not credited to beneficiary (Phonepe) ^Open

I paid my college fees to sbi collect through phonepe app. The money got deducted from my account but was not credited to sbi collect. Phone pe customer care is also not responding properly...

Aug 26, 2019 by Sagar giri