My bank has refused to resolve my grievance regarding unauthorised debits in Pune; how do I file an RBI complaint under the Banking Ombudsman Scheme?

Detailed Legal Analysis

To file a complaint with the Reserve Bank of India's (RBI) Banking Ombudsman regarding unauthorized debits, you need to follow a structured process as outlined in the Banking Ombudsman Scheme, 2006.

Here are the steps you should take:

• Ensure Eligibility: Verify that your complaint pertains to a banking service covered under the Banking Ombudsman Scheme, such as:
• Unauthorized transactions or debits
• Failure to provide promised services
• Delays in resolving grievances
• Initial Complaint to the Bank: Before escalating to the Ombudsman, you must complain to your bank. Follow these steps:
• Contact customer service (via phone, email, or in person).
• Submit a written complaint, detailing the issue of unauthorized debits.
• Keep a record of your communication and reference numbers.
• Wait for the bank’s response, which should be provided within one month.
• Filing a Complaint with the Ombudsman: If the bank's response is unsatisfactory or if you do not receive a response, you can proceed to file a complaint with the Banking Ombudsman:
• Visit the RBI's website and download the Complaint Form.
• Fill out the form with accurate details, including:
• Your personal information (name, address, contact details).
• The bank's name and branch.
• The nature of your complaint.
• Details of your grievance with the bank.
• Any supporting documents (e.g., bank statements, communication records).
• Submit the completed form via email or post to the concerned Banking Ombudsman.
• Follow-Up: After submission:
• Keep a copy of your complaint and any correspondence.
• The Ombudsman will acknowledge receipt and may require additional information.
• The resolution process typically takes 30 days; the Ombudsman will communicate their decision.
• Relevant Laws: This process is governed under:
• Banking Ombudsman Scheme, 2006.
• Section 35A of the Banking Regulation Act, 1949.

By following these steps, you can effectively file a complaint under the Banking Ombudsman Scheme and seek resolution for your grievance regarding unauthorized debits.