File Complaint against Standard Chartered Bank with RBI Ombudsman

[OPU]

Step 1: Try Solving the Issue with Standard Chartered Bank First 
Before going to the RBI Ombudsman, contact Standard Chartered Bank about your problem. Call their customer care, email them at "[email protected]", or visit a branch. Explain your issue clearly and keep a record of what you say and their reply. 

Step 2: Escalate to the Bank's Higher Authority 
If you don't get a good response within 30 days, take it up with the bank's senior team. Write to "[email protected]" or send a letter to Standard Chartered Bank, 19, Rajaji Salai, Chennai – 600001. You can also contact Ms. Jigna Chandarana, the Principal Nodal Officer, at [email protected] or call 080-42896718 / 080-28089025 (Monday to Friday, 9:30 AM to 6:30 PM). 

Step 3: Wait for the Bank's Final Response 
Give the bank some time to reply—usually 5 working days for the Nodal Officer. If they don't reply within a month or you're unhappy with their answer, you can move to the RBI Ombudsman. Make sure you keep all emails, letters, or call records as proof. 

Step 4: Gather Your Details and Evidence 
Collect everything related to your complaint. This includes your account number, dates of the problem, copies of emails or letters you sent to the bank, and their replies (if any). Having clear proof makes your case stronger. 

Step 5: Choose How to File Your Complaint 
You can file your complaint with the RBI Ombudsman in three ways: 
- Online: Go to https://cms.rbi.org.in 
- Email: Send it to [email protected].in 
- Physical: Mail or drop it off at Centralised Receipt and Processing Centre, Reserve Bank of India, 4th Floor, Sector 17, Chandigarh – 160017 

Step 6: Fill Out the Complaint Form 
If you're filing online, visit the RBI CMS portal and enter your mobile number to get an OTP. Then, fill in your name, address, and details about Standard Chartered Bank. For email or physical forms, write your complaint in simple English, Hindi, or a regional language, and include all your evidence. 

Step 7: Explain Your Problem Clearly 
Write down what went wrong with the bank—like a fee you shouldn't have paid or a service they didn't provide. Mention when you first told the bank and what they said back. Be short, clear, and stick to the facts. 

Step 8: Submit and Get a Tracking Number 
After submitting online, save the complaint PDF and note the tracking number. For email or physical submissions, you'll get a reference number later. This number helps you check the status of your complaint. 

Step 9: Wait for the Ombudsman's Review 
The RBI Ombudsman will look at your complaint and ask the bank for their side of the story. They might request more details from you or the bank. This can take a few weeks or months, depending on the case. 

Step 10: Follow Up on Your Complaint 
Check your complaint's progress using the tracking number on the RBI CMS portal or by calling the RBI helpline at 14448. Reply quickly if the Ombudsman asks you for more information. 

Step 11: Get the Final Decision 
The Ombudsman will decide if the bank was wrong and what they should do—like refund money or fix the issue. Their decision is final, but you must file within one year of the bank's last reply or 13 months from when you first raised the issue. 

Step 12: Act if You're Still Unhappy 
If the Ombudsman's decision doesn't help, you can explore other options like a consumer court. Talk to a lawyer for advice on what to do next.