Bank Complaint Letter Format

To,
The Nodal Officer / Grievance Redressal Officer,
[Bank Name],
[Registered / Regional Office Address, City – PIN]

Date: [DD/MM/YYYY]

Subject: Escalation of unresolved grievance – Complaint Ref. No. [XXXX] dated [DD/MM/YYYY] – Account No. [XXXXXXXXXX] – Rs. [Amount]

Respected Sir / Madam,

I, [Your Full Name], residing at [Your Complete Address], am an account holder of
[Bank Name] bearing Account No. [XXXXXXXXXX] at the [Branch Name] branch. I am
escalating this matter to your office because the complaint I registered at the
branch/customer-care level has not been resolved within the timeline prescribed
by the Bank's own Grievance Redressal Policy.

PARTICULARS OF THE GRIEVANCE:
• Nature of complaint  : [Failed transaction / Unauthorised debit / Mis-selling /
                         Loan or EMI error / Service deficiency]
• Date of occurrence   : [DD/MM/YYYY]
• Amount involved      : Rs. [Amount]
• First complaint date : [DD/MM/YYYY]
• Complaint reference  : [XXXX]
• Days elapsed         : [NN] days

BACKGROUND:
[Set out the events in chronological order and in plain language. State the date,
the amount, the channel used, and what the bank told you at each step. Avoid
adjectives — dates and reference numbers are what move a complaint forward.]

WHY THE RESPONSE SO FAR IS UNSATISFACTORY:
[Explain briefly: the reply did not address the specific transaction; the
complaint was closed without contacting me; no reply was received at all within
the promised period; the amount reversed was less than the amount debited.]

RELIEF SOUGHT:
1. Reversal / refund of Rs. [Amount] together with applicable compensation.
2. Withdrawal of any consequential charges or adverse credit-bureau reporting
   arising from this dispute.
3. A speaking reply setting out the Bank's findings and the basis for them.
4. Written confirmation of the outcome within 30 days of receipt.

I place on record that under the Reserve Bank – Integrated Ombudsman Scheme,
2026, a complainant may approach the RBI Ombudsman where the bank has not replied
within 30 days of the complaint, or has rejected it wholly or partly, or has
given a reply that does not satisfy the complainant. Should this
escalation not be resolved, I intend to file at cms.rbi.org.in and to pursue
remedies under the Consumer Protection Act, 2019.
[Verify the current scheme text on rbi.org.in before filing.]

ENCLOSURES:
1. Copy of the original complaint dated [DD/MM/YYYY] and its acknowledgement
2. Bank statement extract showing the disputed entry
3. Copies of email / SMS correspondence with the Bank
4. Identity and address proof

Yours faithfully,

[Signature]
[Your Full Name]
Account No. [XXXXXXXXXX]
Mobile: [+91 XXXXXXXXXX]
Email: [your@email.com]
Place: [City]