Allahabad Bank is one of the oldest bank in India which was founded in the year 1865 at Allahabad (now in Uttar Pradesh). The bank is a nationalized bank and its headquarter is located at Kolkata, West Bengal. While writing this post the bank is offering following products/services to its customers:
- Different types of Savings bank account like Normal SB account, Bank Premium SB account, Advantage Salary Premium Account, Mahila Sanchay Account (exclusive for Indian girls and women), 3-in-1 Account, Vikash SB Account, Saral Savings Account etc.
- Current accounts.
- Term Deposit accounts viz. Normal Fixed Deposit Account, Double deposit Plan, Monthly income Plan, Sishu Mangal Deposit Scheme, Flexi Fix Deposit Scheme, All Bank Tax Benefit Term Deposit, Normal RD Account and Monthly plus RD Account.
- Flexi-Fix Deposit – This scheme maximizes the return rate without compromising the liquidity.
If you are facing some sort of problem with this bank’s product or you want to lodge a complaint against one of its employee, then lets check out in this post how to do so?
Keep in mind that in this post we will also learn how to file a complaint against this bank with Reserve Bank of India (under Banking Lokpal or Ombudsman Scheme of 2006) as a very last step. So it is very necessary that you should follow this guide very carefully:
Step 1: Approach your nearest branch of Allahabad Bank and tell them (front desk executive, person who look after their debit and credit cards department, branch manager etc.) your whole problem in WRITING. In your complaint letter clearly describe your problem either in Hindi or English (try not to write the letter in other languages because you may face problems at a later stage if you escalate your complaint) and don’t forget to write your full name, address, account number, fixed deposit number, credit or debit card number etc. related to your complaint.
Keep in mind that there’s NO rule that a customer can’t approach a branch manager directly. If you think that a lower level officer is not handling your complaint properly or showing rude attitude, then approach the branch manager directly. Also get a receiving copy of your complaint letter with sign and seal of the bank (example here and here) – This is a very important step. With your receiving copy, the bank may also provide you with a complaint number.
Now ask the bank about total number of days they may take to resolve your problem. Suppose their answer is 7 working days, then patiently wait for 7 working days. If your problem don’t get resolved within this period, then proceed to step number 2, instead of going to the branch again and again and wasting your precious time.
Update: Before jumping to the next step and directly contacting Nodal Officer of Allahabad Bank, you should send your complaint to Allahabad Bank’s Zonal Officers first. Keep in mind that a single zonal office handles complaints from multiple districts of your state. For example the zonal office of Bhopal handles all the complaints that comes from all over Madhya Pradesh.
Step 2: Email/send a letter to Nodal Officer of Allahabad Bank at Kolkata using the contact details provided on THIS PAGE and write your whole problem in details. Don’t forget to mention the complaint number which you got from the branch you visited earlier. If you want then you can also attach a scanned copy/photocopy of the receiving letter in which you got the seal and sign of the bank or one of its employee.
After sending your email to nodal officers of Allahabad Bank, if your problem don’t gets solved or you are not satisfied with their response/resolution, then head over to step 3. In this step we will be writing a complaint letter to Reserve Bank of India, a very powerful regulator of Government of India.
Note: Allahabad Bank is a very small bank compared to State Bank of India, Bank of Baroda etc. and a single nodal officer handles all the complaints which comes to him from all over India. After sending your complaint to Nodal officer you should give the officer at least 15-20 days to resolve/reply to your complaint, before you jump to the next step.
Step 3: When you are writing a complaint letter to RBI Ombudsman, always include following details:
- Your full name and address.
- Full Address and Area of Operation of Banking Ombudsman – Visit THIS PAGE for a complete list of RBI’s Ombudsman Centers. Keep in mind that you are required to send your complaint to that RBI center where your bank is located, not where you are currently living. For example, if your bank is located at Kanpur, Uttar Pradesh and you are living at Kolkata, West Bengal, then you should send your complaint to RBI Kanpur, not to RBI Kolkata. Keep in mind that if you don’t send your complaint letter or email to proper center, then your complaint may get fully rejected.
- Subject of your complaint which should include the name of your bank.
- Body of your complaint – You should clearly describe your problem, write your account numbers/credit or debit card number etc. Also write about why you are not satisfied with the resolution provided by Allahabad Bank. You may also want to include your PAN Card Number, Aadhar Card Number, Driving License number etc.
- Scanned/xerox copies of necessary documents like your account statement, deposit certificates, previous email conversations with various departments of the bank, receiving copy of the complaint letter etc. related to your complaint.
Once you have sent your complaint to RBI, you will get your unique complaint number (example here) after some days/months depending on the type of medium (email or snail mail) you used to send them your complaint. If due to some reason they don’t accept your complaint, then they may send you a letter/email stating the reason of rejection.
RBI may take 30 to 90 days (can be more) to investigate on your complaint. They may even force the bank to give you proper resolution/answer.
I sincerely hope that this guide helps you in resolving your problems with Allahabad Bank. If not then you may want to go to consumer forum/court or take advice from a good lawyer in your area.
- If your attachments are very large, then you can host them on the cloud storage service providers like on Dropbox, Google Drive etc.
- A “consumer forum” is not a judicial entity, while a “consumer court” is.
- The Banking Ombudsman can accept your grievances related to certain deficiencies in banking services only. All those deficiencies are listed on THIS PAGE.