Have bank account? You can file a complaint against your lender if you face any of these 11 issues

Banks are required to provide their services 24X7 to account holders concerning any grievances faced related to money. So, if there has been any suspicious transaction in your bank account, then you can always knock on the door of bank. However, if you are not satisfied by the bank's customer service or your bank refuses to help you even when you have lost your money through no fault of yours, then you should know that the Reserve Bank of India (RBI) has provided for this eventuality too by ensuring the implementation of a Banking Ombudsman scheme, which allows you to file a complaint against your bank - if it is not adhering with banking norms. This scheme promises to take matters seriously and assures a resolution. 
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.

Here’s a list of 11 issues over which you can file a complaint against your bank 

1. Non-payment or inordinate delay in the payment or collection of cheques, drafts, bills etc.

2. Non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission in respect thereof.

3. Non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof.

4. Non-payment or delay in payment of inward remittances. 

5. Failure to issue or delay in issue of drafts, pay orders or bankers’ cheques. 

6. Non-adherence to prescribed working hours.

7. 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.

8. 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.

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9. Complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank- related matters.

10. Refusal to open deposit accounts without any valid reason for refusal. 

11. Levying of charges without adequate prior notice to the customer.

However, it needs to be noted that, you can file a complaint before Banking Ombudsman only if you have first complained about the matter to the bank in a written format. Thereafter, if the bank rejected the complaint or you have not received any reply or update within a period of one month's time after the bank received the complaint you can turn to the Ombudsman. 

The case will be considered solved - a) if the grievance has been addressed by bank with intervention of the Banking Ombudsman, b) the complainant agrees in writing that his complaint was based on conciliation and mediation efforts, c) after extensive investigation it was found that the bank has adhered to the banking norms and practices while dealing with customer.