Bank Complaint Portal: If you have been struggling for months regarding any problem related to the bank and every time you are getting only assurance. So this situation is really disturbing. Problems like wrong charge being deducted, money not being withdrawn from the ATM but debited from the account, loan or credit card related problems are often seen. In such a situation, the customer first goes to the branch.

Then he meets different officials. The matter reaches the branch manager. But no solution is found. In such a situation, many people feel that there is no way left. So let us tell you that bank is not the last option. If the bank is not listening to you. So you can complain directly on an official platform, where your problem is taken seriously. And action is taken.

RBI’s CMS portal will be useful

Reserve Bank of India has created Complaint Management System i.e. CMS for the convenience of customers. This is an online portal. Where complaints related to banking and digital payments can be lodged. Its special thing is that complaints can be made here against both government and private banks. The complaint lodged on CMS goes directly under the supervision of RBI.

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Therefore the bank cannot take it lightly. Wrong charges, money getting stuck due to transaction failure, complaints related to loan or card. This platform is very effective for problems like negligence in service. If the bank does not respond within the stipulated time or does not provide a satisfactory solution. So RBI itself takes the matter forward. This is the reason why CMS has become a strong tool for common customers.

How to file a complaint?

The process of filing complaint on RBI CMS is very easy. For this you will have to go to cms.rbi.org.in website. After logging in there, click on the option of File a Complaint. After this fill the captcha code and enter your name and mobile number. After verifying the OTP received on the mobile, the next step will open. Here you have to choose the name of the concerned bank and write the complete details of your complaint in clear words.

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If you want, you can also file a demand for compensation. After filling all the details, click on Review and Submit. Once submitted, you will get a complaint number. Through which you can track the status of your complaint. In this way, you can get the solution to your problem without visiting the bank.

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Duplicate passbook process: Almost everyone has bank account. In today’s era, cash people are lacking at homes. Most people keep money in their bank accounts. After opening an account in the bank, you are given a passbook from the bank. This passbook includes complete information related to your bank account. In which not only your name is your address and complete information of bank account and account.

Apart from this, how many rupees are there in your passbook. It is written about this. When have you done which transaction. Complete information is also written about this. Therefore, passbook is very important. But many times people are lost or stolen from people. If your passbook is stolen then you can apply for duplicate passbook. Let us tell you the method.

Do this work first

If your bank passbook is lost somewhere. So first you have to go to your nearest police station. Going there, you have to file a complaint about losing your passbook in writing. After registering the complaint, you also need to take his receiving copy from the police station.

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Because when you go to the bank to apply for duplicate passbook. So you will need this copy there. Therefore, you need to register an FIR. With the copy of this FIR, you have to submit a copy of other documents.

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Apply in this way duplicate bank passbook

After registering an FIR for losing the passbook, you also have to give information about this to the bank. When you give information to the bank about this. After this, you can apply for a duplicate passbook by going to the bank. Let us tell you that you can get the duplicate passbook of your bank from your own branch.

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After this, you have to meet the concerned officer in the bank. And for duplicate passbook, you have to fill the form and submit it. Along with this, you will have to submit some important documents. Then a duplicate passbook will be issued by the branch manager of the bank.

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Wrongful Credit: What happens if you suddenly get Rs 1,00,000 instead of Rs 1000 in your account. Usually people are surprised and happiness. But before spending it, the information given in this news can save you from some big trouble.

Many times the money goes to someone else’s account when there is a disturbance in any one digit while writing an account number while writing an account number while transferring money or while transferring money. Such mistake in the banking system is called ‘Wrongful Credit’. Many times it happens that we make a plan to spend the money in the account by considering the money made by mistake, while it has some special rules.

Give information about transaction immediately to the bank

According to the Indian banking law, if the money has come to your account by mistake, then it does not mean that you are entitled to it, but the money will be considered the same, which it is actually. You cannot claim that amount. It is illegal to do so. The bank can reverse that money anytime. In such a situation, instead of spending it out, inform the bank immediately. If you want, go to the phone, email or branch yourself and give the details of that transaction to the bank.

The bank investigates this way

For such cases, banks have an internal protocol, through which it is investigated to accidentally go to whose account. On finding out that money has come to your account and you have spent it, you can legally get stuck and if you refuse to return the money, the bank can freeze your account.

There may be punishment for jail

Not only this, a case of fraud can be registered against you and may also have to go to jail. Yes, according to Section 403 of the Indian Penal Code, wrongly using someone else’s property is ‘Disonest Misappropiation of Property’. It may have two years of jail or fine or both. In such a situation, try to reverse the bank, you should give information to the bank before that or cooperate with the bank in this process.

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