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If you are not satisfied with the solution provided by the bank and would like to further enquire the matter, you can approach the Banking Ombudsman established by the Reserve Bank of India under the Banking Ombudsman Scheme, 2006. Each bank is required to display at its branch the details of the Banking Ombudsman under whose jurisdiction the branch falls. Complaints may be lodged with the respective Banking Ombudsman here.
You can only do this once you have tried to settle matters with the bank, and failed. If you file a case in Court, such as the Consumer Court, you cannot approach the Ombudsman while the case is going on.
If you are not satisfied with the decision of the Banking Ombudsman, you may approach the appellate authority against the Ombudsman’s decision – the Deputy Governor who is in charge of dealing with the implementation of the Banking Ombudsman Scheme, Reserve Bank of India. This appeal must be made within 30 days of the Ombudsman’s decision.
Ramakrishnan
August 30, 2022
The RBI ombudsman doesn’t accept my complaint as it is against RBI management. What is the recourse open to me?
Nyaaya
September 5, 2022
Any person aggrieved by an Award issued under Clause 12 or the decision of the Banking Ombudsman rejecting the complaint for the reasons specified in sub-clause (d) to (g) of Clause 13 of the Banking Ombudsman Scheme 2006 (As amended up to July 1, 2017) can approach the Appellate Authority. The Appellate Authority is vested with a Deputy Governor of the RBI. You can file the appeal against the award or decision of the Banking Ombudsman rejecting the complaint within 30 days of the date of receipt of the Award. The appellant authority can then dismiss the appeal, allow the appeal, send the matter to the Banking Ombudsman for fresh disposal in accordance with such directions as the appellate authority may consider necessary or proper; or pass any other order as it may deem fit. The order of the Appellate Authority shall have the same effect as the award passed by Ombudsman under clause 15 or the order rejecting the complaint under clause 16, as the case may be.
R P Malik
July 23, 2023
I am unable to find the address of ombudsman having jurisdiction for the complaint against bank branch in Sonepat (Haryana)
Jazz
July 7, 2023
How can one reach out to the Deputy Governor?
Bobby
July 21, 2023
I have complaint to the State Bank of India that I have transferred the money to in a wrong account but yet now I have not get refund
JAGJEET kour
January 31, 2024
Sir… I’m a widow lady of 63 years… Was fraudulent by online Irda Officials who after made Insurance Policies in my name took money from me through various bank Accounts..
The process was taken further by Insurance Ombudsman.. Assistant Fund Manager.. Promising to return my money… But No Results till now as lots of money is taken by them assuring to return the sy my Loank
Alka Manral
May 30, 2024
IRDAI is a regulatory body that deals exclusively with complaints related to insurance companies. To report fraud, you must either file a police complaint or raise a complaint on the Cyber Crime portal.
Please follow these steps to file a complaint through the online portal: i) Any victim of financial cyber fraud can dial helpline number 1930 or report theincident on National Cybercrime Reporting Portal (www.cybercrime.gov.in).
ii) A Bank or financial intermediary or payment wallet can also report financial cyber fraud through above-mentioned modes.
iii) The complainant must provide the following information in case incident is reported on helpline number:
• Mobile Number of the complainant
• Name of Bank/Wallet/Merchant from which amount has been debited
• Account No./Wallet Id/Merchant Id/UPI Id from which amount has been debited
• Transaction Id
• Transaction date
• Debit card/Credit card number in case of fraud made by using credentials of Debit card/Credit card
• Screen shot of transaction or any other image related to fraud, if available
iv) After reporting of complaint/incident, the complainant will get a system generated Log-in Id/acknowledgement number through SMS/Mail. Using the above Log-in Id/acknowledgement number, the complainant must complete registration of complaint on National Cybercrime Reporting Portal (www.cybercrime.gov.in) within 24
hours. This is mandatory.
v) On receipt of complaint, the designated Police Officer will quickly examine the matter and after verification report to concerned Bank/financial intermediary or payment wallet, etc., for blocking the money involved in the financial cyber fraud.
vi) Thereafter, due action as per law will be taken in each case by Police/Bank/Payment wallet/Financial Intermediary.
vii) Use of this facility will help a victim of financial cyber fraud in retrieving the money and help Police in identifying the cyber criminal(s) and take legal action as per law.
Sikha
December 7, 2024
IRDAI is a regulatory body that deals exclusively with complaints related to insurance companies. To report fraud, you must either file a police complaint or raise a complaint on the Cyber Crime portal.
Please follow these steps to file a complaint through the online portal: i) Any victim of financial cyber fraud can dial helpline number 1930 or report theincident on National Cybercrime Reporting Portal (www.cybercrime.gov.in).
ii) A Bank or financial intermediary or payment wallet can also report financial cyber fraud through above-mentioned modes.
iii) The complainant must provide the following information in case incident is reported on helpline number:
• Mobile Number of the complainant
• Name of Bank/Wallet/Merchant from which amount has been debited
• Account No./Wallet Id/Merchant Id/UPI Id from which amount has been debited
• Transaction Id
• Transaction date
• Debit card/Credit card number in case of fraud made by using credentials of Debit card/Credit card
• Screen shot of transaction or any other image related to fraud, if available
iv) After reporting of complaint/incident, the complainant will get a system generated Log-in Id/acknowledgement number through SMS/Mail. Using the above Log-in Id/acknowledgement number, the complainant must complete registration of complaint on National Cybercrime Reporting Portal (www.cybercrime.gov.in) within 24
hours. This is mandatory.
v) On receipt of complaint, the designated Police Officer will quickly examine the matter and after verification report to concerned Bank/financial intermediary or payment wallet, etc., for blocking the money involved in the financial cyber fraud.
vi) Thereafter, due action as per law will be taken in each case by Police/Bank/Payment wallet/Financial Intermediary.
vii) Use of this facility will help a victim of financial cyber fraud in retrieving the money and help Police in identifying the cyber criminal(s) and take legal action as per law.
Abhi
April 5, 2024
My complaint under the integrated ombudsman scheme 2021 has been rejected by the ombudsman under clause 16.2.a. and they have mentioned in their email that complaints rejected under the mentioned clause aren’t eligible for appeal.
What do I do as I strongly feel justice has been denied to me by the ombudsman?
Samson Singh
May 27, 2024
My father has gone through a online fraud, which was reported to bank and cyber crime as well, its almost 30 days, and still what we hear is just investigation is on, my father is 75 years and a heart patient, in this case what should be the next level to get our money back, and one more thing which i would like to mention is that he has not given any details nor even does he carry a ATM or Debit card
Sikha
December 7, 2024
Since your complaint under the Integrated Ombudsman Scheme 2021 (IOS) was rejected due to clause 16.2.a., which deals with “no deficiency in service,” your options for appeal are indeed limited. However, there are still some steps you can consider:
1. Seek Clarification: You can reply to the Ombudsman’s email requesting clarification on their reasoning. Perhaps a misunderstanding exists, and additional information from you could change their assessment.
2. Explore Alternative Dispute Resolution (ADR): If clarification doesn’t work, consider exploring Alternative Dispute Resolution (ADR) mechanisms offered by the bank or financial institution involved. ADR can be mediation or conciliation, which can sometimes lead to a faster and more amicable resolution.
3. Approach Regulatory Body (if applicable): Depending on the nature of your complaint, there might be a specific regulatory body overseeing that industry. For instance, if it relates to a specific bank, you could approach the Reserve Bank of India (RBI). These bodies might have grievance redressal mechanisms you can utilize.
4. Consumer Protection Act 2019: You can approach the relevant Consumer Commission (depending on jurisdiction) and file consumer complaint because deficiency in service is a valid ground under the Act. Banking service will be covered by the scope of the Act.
Hema
March 28, 2025
I am a victim of sexual assaults, stalking and harassment, grooming, coercive control, human trafficking, exploitation, dishonesty, deception, fraud, modern slavery and mistreatments in the most degrading manner. The sexual predator conned me into a fake investment and stole large sum of money from me. I was subjected to cyber attacks, blackmails, threats, bullying and harassment by the male predator and his gang members. The perpetrator has fabricated all kind of fake documents and forged my signature as well as stole my identity. I tried reporting the Fraud to NFA, they were motivated to dismiss and demean my complaints in targeted malice.
I also tried to prevent the perpetrator from accessing the money, however the bank did not help me in any form or shape. Barclays Bank did not investigate my case, despite the facts that I am a victim of fraud and serious crimes. I had also reported the crimes committed against me to the ASPF/PSD, whereas the ASPF/PSD hid, damaged, tampered, concealed and destroyed all my evidence in targeted malice; allowing the predator to walk free.
The ASPF/PSD and the Mets police did not investigate the crimes committed against me. To the contrary, the ASPF/PSD as well as the Mets police misused their power to fabricate fake statements, fake investigation reports, fake criminal records, fake mental health reports and all kind of fake instruments against me in order to victimize me unlawfully; obstructing access to services and the justice system, as they have a racist premeditated political agenda.
When I tried to log a complaint against the police forces, the ASPF/PSD misused their power to stalk and harass me directly, indirectly, overtly and covertly; bullying and forcing me to go under the Mental health services with malicious motives to invalidate the crimes committed against me and objectify me. The mental health services, and other agencies were working covertly, illegally and unlawfully on behalf of the ASPF/PSD in order to target, frame, entrap and victimize me unlawfully. The Police mobilized their power to sabotage all my human rights and coerced the bank not to investigate my complaints of fraud in targeted malice and seek revenge.
The Professional departments equally did not investigate any of my complaints against their rogue police officers, instead they terrorized and brutalized me in all sorts of form and shape, thus diverting me towards the IOPC. The IOPC, the Financial Ombudsman, the mental health services and all the agencies are systemically racist, misogynistic and corrupt. I was subjected to systemic micro and macro aggression.
I am a victim of sexual assaults, serious crimes and fraud, whereas the Financial Ombudsman and all the regulators tried to conceal and cover up their gross misconducts and criminal offences, thus obstructing me from accessing services and the justice system. The Financial Ombudsman adhered in a careless, reckless, ignorant, negligent, malicious, unfair, unethical and unlawful manner towards me; failing to discharge their statutory obligations and duties of care towards me and neglected me.
CAN YOU ADVISE HOW I CAN CHALLENGE THE CORRUPT INSTITUTIONS.
Hema
March 28, 2025
Further, to add the Barclays Bank did not pay me my critical illness money, whilst I was unwell following the sexual assaults and serious crimes committed against me. Above all, my fridge broke down and all my food went bad, the Barclays Bank did not pay me any money whilst I have been paying them Insurance for a long time. The Barclays Bank also mis-sold me so many products through dishonesty, deception, fraud and coercive control tactics with manipulative behaviour. The Barclays Banks is equally charging me interests discretely whilst I did not take any overdrafts. Barclays Bank have been stealing my money as well as harassing me directly, indirectly, overtly and covertly, as they have a premeditated plan to repossess my home whilst I am a victim of sexual assaults, fraud and serious crimes.