Banking Ombudsman Complaints for Asansol Customers

Banking disputes in Asansol — unauthorised debits, failed transactions, wrong interest, refusal to close an account, mis-selling or delay in services — follow a fixed escalation under the RBI Integrated Ombudsman Scheme 2021. The bank must be given 30 days to respond first. The ombudsman route is free and does not need a lawyer.

Key facts at a glance

Step-by-step procedure

1. Step 1: Write a complaint to the branch manager setting out the dispute and the relief sought, and obtain an acknowledgement.
2. Step 2: If there is no reply in 30 days or the reply is unsatisfactory, prepare the ombudsman complaint.
3. Step 3: File the complaint on the RBI complaint portal or in the prescribed form, selecting the bank and the ground of complaint.
4. Step 4: Attach the branch complaint, the bank's reply and the transaction records.
5. Step 5: Respond to the ombudsman's queries and attend conciliation if scheduled.
6. Step 6: On an award, the bank must comply within the prescribed period; non-compliance can be escalated to the RBI.

Documents you need

• Written complaint to the bank branch with date and acknowledgement
• Bank's written reply or proof of no reply within 30 days
• Account statement showing the disputed transaction
• Transaction reference numbers, UPI or card details
• Identity proof and contact details
• Correspondence with the bank including emails and complaint numbers

Common mistakes to avoid

• Approaching the ombudsman without first complaining to the bank and waiting 30 days.
• Complaining about a matter already sub judice in a court or tribunal.
• Not preserving transaction references and the bank's written reply.
• Missing the one-year window after the bank's reply.

Where to go in Asansol

Bank branches across Asansol, Raniganj and Kulti are covered by the RBI's centralised ombudsman receipt centre. Complaints are filed online and processed without visiting Kolkata.

Frequently asked questions

How do I complain against a bank in Asansol?

First file a written complaint with the branch and keep the acknowledgement. If the bank does not resolve it within 30 days, file a complaint under the RBI Integrated Ombudsman Scheme 2021 online or in the prescribed form.

Is the banking ombudsman free in Asansol?

Yes. There is no fee to file a complaint under the RBI Integrated Ombudsman Scheme 2021. The scheme is a free alternative dispute redress mechanism for bank customers.

What is the time limit for a banking ombudsman complaint?

The complaint must be filed within one year after the bank's written reply, or after the expiry of the 30-day period if the bank does not reply.

What compensation can the banking ombudsman award?

The ombudsman can direct the bank to reverse wrongful charges, honour the transaction, pay the prescribed compensation for delay and harassment, and refund amounts debited without authority, within the scheme limits.