TYPES OF COMMON COMPLAINTS DEALT AT

BANKING OMBUDSMAN OFFICES 

Category 1 : Deposit Accounts 

v     Refusal to open savings accounts without valid reason.

v     Refusal / delay in furnishing of statement of accounts.

v     Non-issue of cheque books.

v     Insisting the account holders to drop the cheques / cash in drop boxes.

v     Banks refuse to provide acknowledgements across the counter for cheque deposits.

v     Cheques put up in drop box not credited to the correct accounts.

v     Abnormal delay in clearing cheques dropped in the drop box resulting in unnecessary in cheque returns leading to levying of peal charges and overdue charges.

v     Pilferage of cheques leading to fraudulent transactions.

v     Wrongful dishonour of cheques.

v     Wrong debits in accounts. (unauthorized debits).

v     Debits for unsuccessful ATM Transactions.

v     Non- issue of ATM cards.

v     Abnormal annual ATM fee / charges.

v     Non-receipt of cash/shortfall in receipt of cash but account debited in full.

v     ATMs swallowing the cards and no receipts given therefore.

v     ATMs not working / frequent shut-downs.

v     Not paying promised interest on fixed deposits.

v     Refusal to repay / delay in repayment of deposit.

v     Non payment of interest during overdue period.

v     Refusal to grant contractual rte of interest in case of renewal.

v     Not sending deposit due notices in time.

v     Wrongly effecting TDS on interest and not remitting it.

v     Exercise of banker's general lien without notice.

v     Delay in transfer of deposit accounts from one branch to another.

v     Closure of account without giving notice to the customer.

v     Freezing of the accounts without any valid notice.

v     Refusal to close the account.

v     Delay in settlement of death claim accounts / unnecessary production of succession certificates.

Category  2 : Remittances 

v     Delay in collection of outstation cheques.

v     Delay in issue of duplicate drafts.

v     Delay in credit of proceeds remitted to customer's accounts.

v     Levying of excess collection charges.

v     Refusal to accept tax remittances.

v     Failure to provide immediate credit of cheques as per RBI guidelines.

v     Delay in crediting remittances received from abroad.

v     Debiting without authorization remittance received from abroad and credited into the account

v     Non- issue of DD / Pay order / Banker's cheque. 

Category 3 : Credit card 

v     Non-issue of credit cards.

v     Issue of unsolicited cards.

v     Non-dispatch of account statement in time.

v     Levy of excessive service charge.

v     Unauthorised debits.

v     Late appropriation of payments made through cheques even though deposited in time and levy of late fee in such cases.

v     Excessive late fee and penal charges.

v     Sanction of loan against credit cards on the basis of offers over telephone without clear consent of customer.

v     Refusal to cancel credit card.

v     Refusal to settle Insurance claims.

v     Not adhering to settlement terms for settling credit card dues.

v     Wrong reporting of status of cardholder's dues to CIBIL.

v     Failure to note caution / instructions in lost cards.

v     Freezing of cards without informing the cardholder.

v     Disowning responsibility in claiming insurance amount.

v     Harassment by recovery officer.  

Category 4 : Loans and advance – General 

v     Rejection of loan applications without any valid reasons.

v     Denying verbally without giving / providing loan application.

v     Delay in disposal of loan applications.

v     Non refund of processing fee for non sanctioned loan.