How To Complaint Against Bank in Consumer Court

1
How To
COMPLAINT AGAINST BANK
in Consumer Court
2
Introduction
Prior to bringing a complaint against a bank in
consumer court in India, one must first attempt
to resolve the issue with the bank directly.
Through the RBI website or a written complaint,
one can contact the Banking Ombudsman if the
issue is not resolved within 30 days or to their
satisfaction.
3
Which consumer rights do they have against the
bank?
In order to protect their interests, customers
have a number of rights when dealing with banks.
Some of the most important rights are as follows

• Right to Fair Treatment
• Right to Transparency and Honest Dealings
• Right to Suitability
• Right to Privacy
• Right to Grievance Redressal
• Right to Compensation
• Right to Customer Education
• Right to Easy Access to Banking Services

4
Does the Consumer Protection Act apply to banks?
Yes, the Consumer Protection Act applies to banks
in India. Services are expressly included under
the purview of the 2019 Consumer Protection Act.
Customers who use the services are therefore
regarded as consumers and are eligible for the
protections and legal recourse provided by the
act.
5
Which cases are eligible for a Consumer Court
complaint against a bank?
When you experience problems with inadequate
banking services, the Consumer Court has the
authority to hear complaints against a bank in a
variety of situations. The following are some
common cases

• Excessive Fees
• Non-Payment of Loan Installment by Borrowers
• Delay in Payments
• False Representation
• Unauthorized Access/Use
• Negligent Acts/Mismanagement
• Discrepancies in Interest Calculation
• Unreasonable Denial of Service
• Breach of Confidentiality
• Ineffective Grievance Redressal Mechanism

6
What is the procedure for filing a consumer court
complaint against a bank?
To make a consumer complaint against a bank in a
consumer court, one must do the following

• Resolve the issue with the Bank
• Seek Help from the Banking Ombudsman
• Choose the Right Platform
• NATIONAL COMMISSION
• STATE COMMISSION
• DISTRICT FORUM
• Prepare your Complaint
• Complete with an Affidavit
• Attending Court Hearings
• Considering Legal Support

7
Which documents must I submit to the Consumer
Court against the Bank?
To bolster your complaint while bringing a
consumer court complaint against a bank, you must
provide the following documentation

• Complaint letter
• Affidavit
• Bank Correspondence
• Personal Identification
• Account Statements
• Banks Grievance Acknowledgement
• Banking Ombudsman Correspondence
• Proof of Financial Loss
• Legal Notice

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Thank you