Debit Card - Refund of excess credit not done

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You can be certain that you’re talking to the right person at the right time. We automatically connect you to contacts at thousands of household names, ombudsmen and regulators to find a resolution.

You should know

You can submit your issue through Resolver but your debit card company may contact you outside of Resolver to confirm your details. Resolver will remind you within 8 weeks if your issue is not resolved, and you can escalate your case to the Banking Ombudsman Service for a free independent assessment.

How to resolve your issue with a bank?

  1. Inform your bank - Before taking any action, you should contact your bank and register your issue with them. Nearly all banks have a grievance redressal cell where customers can file their issues. Raise your issue via Resolver, making sure that you include any relevant details and supporting documents with your complaint.
  2. If you don’t receive a satisfactory reply, or if there's no response from the branch within a reasonable time, you can approach the Regional or Zonal manager of the bank who’ll start an internal enquiry into the matter.
  3. The manager has to address your complaint within 30 days. If the bank fails to provide satisfactory redressal, you can approach the Banking Ombudsman and escalate the matter further. The Banking Ombudsman is the senior official appointed by the Reserve Bank of India to address banking complaints by the consumers. 
  4. If you aren’t satisfied with their response, you can file an appeal with the Appellate Authority against the Banking Ombudsman’s decision within 30 days.



How will the  Reserve Bank of India (RBI) help you?

The Banking Ombudsman appointed by RBI will independently assess your case. There is no charge to the consumer for the assessment. The ombudsman will make a decision on your case and provide an outcome that is binding on the bank. If you aren’t satisfied with the outcome, you could consider switching bank or provider. The final option would be to take the bank to consumer court – you should get expert legal advice before taking this route.

 

Banking Ombudsman: How does it work?

 

  • Every Banking Ombudsman has jurisdiction in one or more states/ UTs. You should submit your application to the Banking Ombudsman whose jurisdiction your state or bank falls under. You can submit an application to the Banking Ombudsman via Resolver or in hard copy.
  • Make sure you have the appropriate documents and records to give as proof.
  • After receiving your complaint, a designated officer will be responsible for resolving your complaint to your satisfaction. Every attempt will be made to offer you suitable and appropriate alternate solutions where necessary. 
  • Suitable timelines have been set for every complaint according to the level of investigation involved in resolving the issue. Complaints are suitably acknowledged on receipt and you’ll be informed of delays if they occur. The designated officer will contact you if anything needs clarification. 



How will Resolver help you?

On the off chance that you have an objection, first ensure that is sensible. In the event that you accept that it is, you can utilize Resolver to present your issue. Any grievance from Resolver is an official issue, and the bank is along these lines obliged to follow up on it. On the off chance that it's not settled, you can take your case to the Banking Ombudsman. Resolver assumes the job of the scaffold among you and the organization you're complaining to,  making it simpler for you to get your issue to the opportune spot at the correct time. Resolver is free. No adverts, no concealed expenses. Begin by disclosing to us the name of the organization or association you have an issue with, raise a case and leave input subsequently.

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