Drafting Bank Dispute Complaints

To, The Grievance Redressal Officer, [Bank Name], [Branch Address] Date: [DD/MM/YYYY] Subject: Complaint regarding Unauthorized Transaction - Request for Refund Ref: Account No.: [XXXX XXXX XXXX] Transaction ID: [XXXXXXXXXX] Date of Transaction: [DD/MM/YYYY] Amount: ₹[Amount] Sir/Madam, I, [Full Name], holding the above-referenced account with your bank, hereby report an unauthorized electronic transaction from my account and request immediate action. FACTS OF THE CASE: 1. On [Date] at approximately [Time], an amount of ₹[Amount] was debited from my account without my knowledge or authorization. 2. I did not initiate, authorize, or share any OTP/PIN/Password for this transaction. 3. I received an SMS alert at [Time] informing me of this debit. 4. I immediately blocked my card by [calling helpline/SMS/app] at [Time]. 5. I am reporting this fraud within 3 working days as per RBI Circular RBI/2017-18/15. RELIEF SOUGHT: 1. Immediate credit of the disputed amount ₹[Amount] as shadow/notional credit within 10 working days as per RBI guidelines. 2. Thorough investigation into the unauthorized transaction. 3. Written report of investigation findings within 90 days. DOCUMENTS ENCLOSED: 1. Copy of Bank Statement showing disputed transaction 2. Screenshot of SMS alert 3. Copy of FIR/NC (Complaint No.: [XXXXX]) 4. Card blocking confirmation I request you to acknowledge this complaint and provide a reference number. Thanking you, Yours faithfully, [Signature] [Full Name] [Address] [Mobile: XXXXXXXXXX] [Email: xxx@xxx.com]

To, The Ombudsman, RBI Centralized Receipt & Processing Centre, 4th Floor, Sector 17, Chandigarh - 160017 Date: [DD/MM/YYYY] Subject: Complaint under RBI Integrated Ombudsman Scheme 2021 Deficiency in Service - Unauthorized Electronic Banking Transaction COMPLAINANT DETAILS: Name: [Full Name] Address: [Complete Address] Mobile: [XXXXXXXXXX] Email: [xxx@xxx.com] Account No.: [XXXX XXXX XXXX] DETAILS OF BANK/ENTITY: Name: [Bank Name] Branch: [Branch Name & Address] IFSC: [XXXXXXXXXXX] COMPLAINT TO BANK: Date of Complaint to Bank: [DD/MM/YYYY] Complaint Reference No.: [XXXXXXXXXX] Bank's Response: [No Response / Unsatisfactory Response] Date of Bank's Response: [DD/MM/YYYY or N/A] DETAILS OF COMPLAINT: 1. Nature of Deficiency: Unauthorized electronic transaction and failure to provide shadow credit within 10 working days. 2. Transaction Details: - Date: [DD/MM/YYYY] - Amount: ₹[Amount] - Type: [UPI/Net Banking/Card] - Beneficiary: [If known] 3. Facts: [Detailed narration of facts - same as bank complaint] 4. Bank's Failure: a) Failed to provide shadow credit within 10 working days b) Failed to complete investigation within 90 days c) Wrongly attributed negligence to customer 5. Relief Sought: a) Refund of ₹[Amount] with interest @ 9% p.a. b) Compensation of ₹[Amount] for mental harassment c) Cost of complaint DECLARATION: I hereby declare that: a) The subject matter of complaint is not pending in any court/forum b) Information provided is true and correct c) No previous complaint on same subject is pending with Ombudsman [Signature] [Full Name] Date: [DD/MM/YYYY] ENCLOSURES: 1. Copy of complaint to bank dated [Date] 2. Bank's response (if any) 3. Bank statement 4. Transaction SMS screenshots 5. FIR/NC copy 6. Any other relevant documents