Скачать или смотреть Banking Ombudsmen complaint process | File online complaint against Bank at Reserve Bank of India |

Hello friend as promised, i came up with the live online process to file a banking related complaint directly with Reserve Bank of India's Banking Ombudsmen.

Before watching this video i request you to please watch this video for better understanding -    • How to Complaint against Banking Services ...  
GROUNDS OF COMPLAINT
(1) Any person may file a complaint with the Banking Ombudsman having
jurisdiction on any one of the following grounds alleging deficiency in banking including internet banking or other services.
(a). non-payment or inordinate delay in the payment or collection of cheques,drafts, bills etc.;
(b). non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission inrespect
thereof;
(c). non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof;
(d). non-payment or delay in payment of inward remittances;
(e). failure to issue or delay in issue of drafts, pay orders or bankers’ cheques
(f). non-adherence to prescribed working hours;
(g). failure to provide or delay in providing a banking facility (other than loans
and advances) promised in writing by a bank or its direct selling agents;
(h). delays, non-credit of proceeds to parties' accounts, non-payment of deposit or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits in any savings, current or other account maintained with a bank;
(i). complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank- related matters;
(j). refusal to open deposit accounts without any valid reason for refusal;
(k). levying of charges without adequate prior notice to the customer;
(l). non-adherence to the instructions of Reserve Bank on ATM /Debit Card and Prepaid Card operations in India by the bank or its subsidiaries on any of the following:
i. Account debited but cash not dispensed by ATMs
ii. Account debited more than once for one withdrawal in ATMs or
for POS transaction
iii. Less/Excess amount of cash dispensed by ATMs
iv. Debit in account without use of the card or details of the card
v. Use of stolen/cloned cards
vi. Others
(m). non-adherence by the bank or its subsidiaries to the instructions of Reserve Bank on credit card operations on any of the following:
i. Unsolicited calls for Add-on Cards, insurance for cards etc.
ii. Charging of Annual Fees on Cards issued free for life
iii. Wrong Billing/Wrong Debits
iv. Threatening calls/ inappropriate approach of recovery by
recovery agents including non-observance of Reserve Bank
guidelines on engagement of recovery agents
v. Wrong reporting of credit information to Credit Information
Bureau
vi. Delay or failure to review and correct the credit status on
account of wrongly reported credit information to Credit
Information Bureau.

(n). non-adherence to the instructions of Reserve Bank with regard to Mobile
Banking / Electronic Banking service in India by the bank on any of the
following:
i. delay or failure to effect online payment / Fund Transfer,
ii. unauthorized electronic payment / Fund Transfer,
(o). non-disbursement or delay in disbursement of pension (to the extent the grievance can be attributed to the action on the part of the bank concerned, but not with regard to its employees);
7
(p). refusal to accept or delay in accepting payment towards taxes, as required
by Reserve Bank/Government;
(q). refusal to issue or delay in issuing, or failure to service or delay in servicing or redemption of Government securities;
(r). forced closure of deposit accounts without due notice or without sufficient reason;
(s). refusal to close or delay in closing the accounts;
(t). non-adherence to the fair practices code as adopted by the bank;
(u). non-adherence to the provisions of the Code of Bank's Commitments to Customers issued by Banking Codes and Standards Board of India and as adopted by the bank ;
(v). non-observance of Reserve Bank guidelines on engagement of recovery agents by banks;
(w). non-adherence to Reserve Bank guidelines on para-banking activities like sale of insurance /mutual fund /other third party investment products by
banks with regard to following:
i. improper, unsuitable sale of third party financial products
ii. non-transparency /lack of adequate transparency in sale
iii. non-disclosure of grievance redressal mechanism available
iv. delay or refusal to facilitate after sales service by banks
(x). any other matter relating to the violation of the directives issued by the
Reserve Bank in relation to banking or other services.
(2)A complaint on any one of the following grounds alleging deficiency in banking service in respect of loans and advances may be filed with the Banking Ombudsman having jurisdiction:
(a) non-observance of Reserve Bank Directives on interest rates ETC.
Source of Information - Reserve Bank of India's Website