Occasionally, customers receive a complaint against their bank or a non-bank financial corporation (NBFC), but are unsure how to proceed. The Reserve Bank of India (RBI), India's central bank, has implemented a complaint management system (CMS) through which users can register grievances against all financial service providers regulated by the central bank.
To further educate the public, the RBI has been sending messages that read, "Lodge a complaint against any bank, non-bank financial company, or payment system participant on https://cms.rbi.org.in under the RBI-Integrated Ombudsman Scheme." For additional information, contact 14440 –RBI".
The following is a step-by-step guide to filing a complaint with the RBI's 'complaint management system':
Step 1: Navigate to https://cms.rbi.org.in and click the "submit a complaint" link.
Step 2: Verify your identity by entering the Captcha code.
Step 3: Enter the complainant's name and mobile phone number. Select 'Obtain OTP'.
Step 4: Verify your entry of the OTP
Step 5: Add additional information such as an email address and a complaint category from the drop-down menu. Additionally, enter the details of the entity against which you wish to file a complaint.
Select the radio buttons that correspond to the respective queries and click Next.
Step 7: Confirm Whether You Have Filed a Written Complaint with the Regulated Entity- If you have filed a written complaint with the regulated entity
Step 8: Enter the date of the complaint and upload the complaint file from your device.
Step 9: Select the appropriate radio buttons for entity queries, as well as dispute details such as transaction amount and date.
Step 10: If you have any supporting documents for your transaction, upload them, then click 'Authorisation' and check the declaration.
11th Step: Select Review and Submit.
You will be given the option to download the complaint in PDF format.
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