Banking / Finance Law
Deficiency in Banking Service
Failures or shortcomings by a bank in providing services to its customers — such as wrongful debit, delayed transactions, or ATM fraud — actionable as a consumer complaint.
Customers facing issues like unauthorised transactions, wrongful levy of charges, or errors in account handling can file a complaint with the bank's grievance cell, escalate to the Banking Ombudsman, or approach a Consumer Commission for redress.
Banks are generally required to have a clear, time-bound internal grievance redressal process before a customer needs to escalate externally.
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