Sample letter format to bank to file a complaint/ grievance
Want to file a complaint in your bank? Let's read that how can you write a letter if staff is misbehaving or if there is undue delay in loan approval or any other reason.
In the present era, banking is the backbone of a financial body of any country. Infact, in India, with the introduction of 'Pradhan Mantri Jan-Dhan Yojana (PMJDY)', approximately most of the Indians are now having the privilege of a bank account. Housewives, senior citizens, entrepreneurs, businessmen, salaried persons, students, all need a bank account for one or another person. But what to do if you are unsatisfied with the services? Most of the people close their account and reopen an account in another bank. But is this the only solution? A big 'NO'.What to do if I am unsatisfied from my banker ?
First of all, I shall like to present a possible list of all reasons for which you could be unsatisfied from your bank branch. The reason can be any of the following:
Normally, what people do- they close their account and reopen an account in another bank. But this is not a solution. Instead, you should write a complaint letter to the bank manager. Don't worry! If you don't know how to write a letter, then here I am providing sample letter formats which you can follow to report your grievance. How to write a letter to bank for staff complaint
If you are not getting satisfactory services from the end of bank's personnel, then you can use the following letter format.
To,
The Manager,
{Name of the bank}
{Branch name}
{City/ district name}
Subject: Complaint letter for staff misbehavior
Sir/ Madam,
I am an account holder in your bank since last 2 years. My saving/ current number is _______ (mention your account number). I want to bring this to your kind attention that the staff in your bank branch does not behave properly with its valuable customers. Not only me, many other people are also unsatisfied due to the same reason. They are always busy in their personal gossips/ They speak very harshly whenever we ask them anything/ They do not provide us right guidance (mention your reason) whenever we need it from their end.
I request you to take appropriate action and warn them to provide us services that we deserve.
Thanking you.
Your sincerely,
{Your signature}
{Your name}
{Your saving/ current account number}
{Place}
{Date}How to write a letter to bank to complaint about undue delay or rejection of loan approval
Scenario: You applied for a loan and you are called again and again by concerned persons for this or that reason, but at last, your loan is not approved saying that you are not eligible. You asked, "What should I do then?" and they didn't entertain your question.
To,
The Manager,
{Name of the bank}
{Branch name}
{City/ district name}
Subject: Undue delay or rejection of loan approval
Sir/ Madam,
I am an account holder in your bank with my saving/ current number _______ (mention your account number). I had applied for (type of loan) loan in your esteemed bank. But the loan is not approved for one or another reason. I have fulfilled all conditions as demanded by your bank staff but now they are saying that the loan cannot be approved for the reason (provide the reason of rejection as given by staff).
I request you to consider my application again and guide me that what should I do to get approval.
Thanking you.
Your sincerely,
{Your signature}
{Your name}
{Your saving/ current account number}
{Place}
{Date}How to write a letter if your cheque is dishonored without any fault
Scenario: You had sufficient funds in your account, but still your cheque is dishonored with the reason of 'Insufficient funds' or any such reason.
To,
The Manager,
{Name of the bank}
{Branch name}
{City/ district name}
Subject: Undue dishonor of cheque
Sir/ Madam,
I am an account holder in your bank with my saving/ current number _______ (mention your account number). I had issued a cheque of Rs. 50,000 in favor of M/s ABC Ltd. but my cheque is dishonored on the ground that there are insufficient funds in my bank account. When I checked, I found that there were Rs. 74,000 in my account on said date.
I request you to take necessary action as soon as possible and credit the cheque bounce charges into my account.
Thanking you.
Your sincerely,
{Your signature}
{Your name}
{Your saving/ current account number}
{Place}
{Date}
Note:
You can also take advantage of toll-free customer care number to lodge your complaint. If your complaint is not entertained within a period of 30 days, then you can contact banking ombudsman. Nowadays, most of the banks have Grievance Redressal Officer at Head/ Branch Office. Customer Grievance Redressal Policy is also laid down by most of the banking institutions. You should enjoy full privilege of your rights and get maximum satisfaction from your banking services.
Disclaimer- The format as well as information provided above is correct to the best of our knowledge. Readers are advised to use their own judgement skills before taking any action.
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Thank you Nidhi for your letter writing format. It was really helpful but my problem is with the Branch Manager. She has been delaying my loan application since last 5 months. She is now saying that my loan application will be passed in oral but denying to give sanction letter.