Bank Complaint Letter Format 2026 — RBI Ombudsman Guide, Sample Letters and Escalation Process India

To,
The Branch Manager,
[Bank Name],
[Branch Name and Address]

Date: [DD/MM/YYYY]

Subject: Complaint Regarding [Unauthorised Transaction / Wrong Debit / ATM Card Issue / Loan Dispute / Other] — Account No. [XXXXXXXXXXXXXXX]

Dear Sir/Madam,

I, [Your Full Name], hold a [Savings/Current/NRE/NRO] account bearing Account Number [XXXXXXXXXXXXXXX] at your branch. I am writing to formally lodge a complaint regarding the following issue:

Nature of Complaint: [Describe the issue clearly — what happened, when it happened, amount involved if any]

Date of Incident: [DD/MM/YYYY]

Transaction Reference Number (if any): [XXXXXX]

Amount Involved: Rs [Amount]

Action Already Taken: I have already contacted your customer care on [Date] with reference number [Ref No.] but the issue has not been resolved.

I request you to kindly investigate the above matter and resolve it within 15 working days. If not resolved, I will be constrained to escalate this matter to the RBI Banking Ombudsman under the Reserve Bank — Integrated Ombudsman Scheme 2026.

Enclosures:

1. Copy of bank statement showing the disputed transaction
2. Screenshot of transaction / ATM slip / SMS alert
3. Copy of previous complaint reference (if any)

Thanking you,
Yours faithfully,
[Signature]
[Full Name]
[Account Number]
[Registered Mobile Number]
[Email ID]
[Date]

To,
The Nodal Officer,
[Bank Name] — Head Office,
[Head Office Address]

Date: [DD/MM/YYYY]

Subject: Escalation of Unresolved Complaint — Ref No. [XXXXXX] — Account No. [XXXXXXXXXXXXXXX]

Dear Nodal Officer,

I had filed a complaint with [Branch Name] branch on [Date] regarding [brief description of issue] with Reference Number [XXXXXX]. Despite waiting for [15/30] days, the issue has not been resolved to my satisfaction.

I am therefore escalating this matter to the Nodal Officer as per RBI Customer Service guidelines. The details are as follows:

• Account Number: [XXXXXXXXXXXXXXX]
• Complaint Reference: [XXXXXX]
• Date of Original Complaint: [DD/MM/YYYY]
• Nature of Issue: [Brief description]
• Amount Involved: Rs [Amount]

I request resolution within 15 days. If not resolved, I will escalate to the RBI Ombudsman under RB-IOS 2026 at cms.rbi.org.in.

Yours faithfully,
[Signature] [Name] [Date]

Subject: Complaint Regarding Unauthorised Transaction of Rs [Amount] — Account No. [XXXXXXXXXXXXXXX]

I wish to report an unauthorised transaction of Rs [Amount] debited from my account on [Date] at [Time]. Transaction reference: [XXXXXX]. I did not authorise this transaction and did not share my OTP, PIN, or card details with anyone. I request immediate investigation, account freeze if necessary, and full refund within 10 working days as per RBI guidelines on unauthorised transactions.

Subject: Complaint Regarding Wrong EMI Deduction — Loan Account No. [XXXXXXXXXXXXXXX]

An incorrect EMI amount of Rs [Amount] was debited from my account on [Date] instead of the correct amount of Rs [Correct Amount] as per my loan agreement dated [Date]. I request immediate reversal of the excess amount and correction of my loan repayment schedule.

Subject: Complaint Regarding Non-Receipt of ATM/Debit Card — Account No. [XXXXXXXXXXXXXXX]

I applied for a new debit card on [Date] with reference [XXXXXX]. As per tracking on indiapost.gov.in, the card was shown as delivered on [Date] but I have not received it. I suspect misdelivery or theft. I request immediate blocking of the undelivered card and issuance of a replacement card free of charge.