What this guide covers
Start with the regulated entity's grievance mechanism and retain its complaint number. The RBI Integrated Ombudsman framework has eligibility and timing conditions, so use the current RBI Complaint Management System instructions rather than an unofficial intermediary.
What to do now
Complain to the bank or regulated entity in writing, describe the transaction and remedy, and wait for or preserve its response. If eligible and unresolved, file through RBI CMS with supporting records.
Keep these records
Keep account statements with unrelated entries masked, transaction reference, complaint number, emails, call records, chargeback documents and the final response.
Where to go
Use the Reserve Bank of India Complaint Management System at cms.rbi.org.in.
Important
This guide provides general legal information, not case-specific advice. Procedure, limitation periods, authorities and remedies can vary by state and facts. Verify the current official rules before acting.