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

You may file a complaint with the Banking Ombudsman appointed by the Reserve Bank of India under the Integrated Ombudsman Scheme, 2021, after first approaching your bank and waiting thirty days for a response or receiving an unsatisfactory reply. The complaint can be filed online through the RBI's CMS portal or by post, and must be filed within one year of the bank's rejection. The Banking Ombudsman can award compensation up to twenty lakh rupees and an additional amount for mental agony and harassment. If unsatisfied, you can file an appeal before the Appellate Authority within forty-five days. You may also approach the Calcutta High Court under Article 226 if the Ombudsman's decision is perverse or beyond jurisdiction. The West Bengal Premises Tenancy Act 1997 on consumer protection may offer a parallel remedy through the Consumer Disputes Redressal Commission.