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Complaint Against Dhani App fraud - RBI complaint online & banking ombudsman (lokpal) process - YouTube
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Hello friends!! Welcome to Rupyz!!
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In today's video, we will discuss
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the process of filing complaints against Banks and NBFCs.
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A lot of times, when we avail Banking Services,
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maybe you have a Savings Account or a Current Account,
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or a Debit Card or a Credit Card,
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or any problem in the fund transaction,
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or have any issues relating to loan
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which the bank is not resolving.
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In such a case, you can file a complaint
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against the Bank / NBFC / Co-operative Society
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or Cooperative banks to the RBI.
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There is a process for it.
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First, let's understand when you can file a complaint.
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As per the Banking Ombudsman Scheme,
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as you can see from the document on the screen,
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where you have complained to the Bank about an issue,
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and 30 days have passed, and you haven't got a reply,
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or the complaint has got rejected
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or you are not satisfied with the reply,
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then you can file a complaint under this scheme.
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Now, let's understand the process.
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As you can see this in a document of RBI,
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you can click here and apply online directly.
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You can email them, or fill out a form and send it to them.
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All the details regarding email addresses can be found here.
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In today's video, we shall understand
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how to lodge complaints online against
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any banks / Financial Institutions to the Ombudsman.
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You can see the link - cms.rbi.org.in on the screen.
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Go to the link and click on file a complaint.
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You can understand the full process
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which we will understand with the help of an example
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and also understand how to lodge a complaint
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As you can see, I clicked on file a complaint.
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You need to take care of small and capital letters,
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and then, click Next.
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Enter your name and mobile number.
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Click on Get OTP which you need to punch in here.
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You will get a screen something like this,
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where the Complainant details will be displayed.
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In today's example, let's assume there is a Dhani's loan fraud,
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someone has misused my KYC details
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and took a loan for which I have not applied,
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and I am filing a complaint against DHANI
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i.e against Indiabulls Ventures Limited or
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Indiabulls Consumer Finance Limited.
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Here, I have entered my name,
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my mobile number and email address.
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Here, I will have to select the category,
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whether I am filing it in an individual capacity
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or under my proprietorship firm business,
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or a company or a trust,
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you will have to select it.
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For example, I have an issue with my personal loan,
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so I am selecting Individual.
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Then, you can select your age and gender.
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Then, you can select the Complainant's State of Residence.
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You can select the state where you reside.
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Then you can select your district.
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Enter your address and pin code.
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Then you can enter the Entity Name
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against which you are filing your complaint.
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It can be selected from the drop-down.
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You can find all the Banks, Co-operative society
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registered with the RBI.
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We are filing the complaint against Indiabulls Ventures Limited,
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i.e Dhani App, so I have written IVL,
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it may take time in processing. So keep patience.
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You may also require multiple attempts to fill this.
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We may have to wait as it is taking a lot of time.
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You can select the entity as per the requirements.
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You have to then answer questions one by one.
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Is your complaint subjudice or
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are you complaining for the first time?
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Is your complaint made through an advocate?
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Has your complaint already been dealt with on the same grounds?
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Does your complaint involve
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general complaint against the management?
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Are you complaining against any MD, CEO, or Board member?
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As you are complaining against the company, select No.
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You can select Yes/No as per your requirements.
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Does your complaint involve dispute between regulated entities?
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Like are you filing a complaint in the capacity of a Bank?
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Is the complaint from the staff of the regulated entity
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and involves an employee-employer relationship?
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If you are a consumer, then No.
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You can select the options and click on Next.
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Maybe sometimes, it will take some time.
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You will have to keep patience.
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Have you filed an electronic complaint with the regulated entity?
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Something to take care of here is
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you can approach the Ombudsman of RBI
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when you have already filed a complaint
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against the Bank or Financial Institution.
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You can't file a complaint against the Bank
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for small issues before first approaching the Bank.
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As per Norms, you have to first file a complaint with the Bank
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Also, you will have to add a date.
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If you click No here,
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you get a message.
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You will have to select Yes
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and then add the date of the complaint.
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You will have to upload a copy of the complaint here.
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You have to take care when you approach the Bank,
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you have to keep the documents ready with you,
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if it is a hard copy, then its acknowledged sealed copy,
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and if you have mailed it, then the mail copy.
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The complaint copy and the copy of the reply received.
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If you have not got any reply,
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then the reminder if you have sent,
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you will have to save the copy for the same.
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You can upload it here as I have shown.
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The document is now uploaded.
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You can convert the documents into PDF,
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take care the file size doesn't exceed 2MB.
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Further, there are a few important questions.
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Have you received any reply from the entity?
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You can reply accordingly with the date.
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You can also upload the copy of the reply.
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For the sake of simplicity,
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I am clicking on No.
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Have you sent a reminder? Reply accordingly.
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You can add the date of the reminder.
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You can also upload the copy of the reminder.
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Is your complaint against the wallet of the Regulated Entity?
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Is your complaint against a business correspondence?
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Select accordingly.
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Insert the ATM/Debit Card/Credit Card Number.
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If your complaint is against a specific financial transaction,
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your payment is deducted and didn't get the money back,
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then you will have to add the number here.
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RBI tells you not to share such details with anyone,
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still, it asks for the number.
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However, you will have to give the number as it is asking here.
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As our complaint is related to loans,
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you will need to enter the loan account number.
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The next point is very important.
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You need to select the category of complaint.
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You can select accordingly.
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As we are filing the complaint against the fake loans of Dhani,
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we will select loans and advances.
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In the Sub-category section,
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let us understand them one by one.
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Is the complaint related to Credit Score?
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You paid the amount before the due date,
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still, records are updated wrongly in CIBIL.
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You will have to select Credit Score.
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Digital Lending Apps -
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If you are complaining against NAVI, DHANI,
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then you need to select this.
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As our complaint is related to Dhani App,
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we are selecting Digital lending Apps.
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Disbursements/Terms and Conditions -
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There were some conditions in the Sanction letter
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and the bank is not complying with the same,
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you can select this option.
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If it is related to fees or charges,
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like terms relating to fees agreed upon while giving loans
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still, the Banks are not agreeing to it.
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If the banks have asked you to pay more charges,
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then you can select this option.
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Government benefits -
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If you are a Priority Sector Lending person,
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still, stamp duty is being applied to you more than specified,
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or the subsidy is not being paid,
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you can click on Government benefits.
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If the interest is related to an issue,
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then you can select interest.
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If the issue is related to loan sanctions,
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then you can select loan sanction.
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You can explore the options given in the list
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and select one of them.
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You also have options like recovery, unfair practices,
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unnecessary someone harassing you to pay the amount,
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if something is related to repayment or closure,
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security or collateral or service-related.
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We are selecting Digital Lending
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considering we are filing a complaint against Dhani.
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Next is sub-category 2,
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you can select from the various options available.
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You have not received the copy of the loan agreement,
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mis-selling of loans,
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the name of the bank is not mentioned,
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or you can select Other Issues.
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Then, you can explain the issue in a line.
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Here, we have written that our KYC is misused to avail a loan.
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Then, you can write in detail the facts of the complaint.
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It should not exceed 2000 characters.
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You can then enter the amount involved in the transaction.
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If there is a fake loan of Rs.60000,
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you can enter Rs.60000 here.
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If the loan is of Rs.50000 and
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including the overdue amount, which adds up to Rs.60000.
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Do not write the overdue amount here.
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You can write the maximum amount here.
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You can next, enter the compensation sought.
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Now, this is a complaint about a fake loan.
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We have not availed any loan
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and there is a loan that is appearing
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and our CIBIL is distorted.
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You can ask the amount from here,
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that your time is being wasted
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as you are not able to avail any loan from any bank.
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You can write the compensation amount here.
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the maximum amount that can be asked for, is Rs.20 lakhs.
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Next is, the compensation sought for expenses incurred.
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In this process, if you are using the services of a lawyer
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or a CA, or any other help
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you can mention the amount here.
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The time which is being wasted,
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you need to take leaves from your job to solve this issue,
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all the compensation can be asked from here.
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Click on Next.
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Sometimes, it may take a lot of time.
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You need to keep patience in the whole process.
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Next, you can upload any additional document.
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Assume, the terms of the sanction letter
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have not been complied with,
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you are asked to pay charges more than specified,
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you can add those additional documents like
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copy of the sanction letter,
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the screenshot of the emails exchanged
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can be uploaded in a file of a maximum of 2 MB.
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This is optional.
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Next, you need to authorize,
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If you are processing the complaint,
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you need not give authorization.
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If it is done by your lawyer, you need to click on Yes,
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and add the details of the lawyer
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like name, email address, etc.
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We do not have any authorized representative.
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Next, you have a declaration,
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that the details you have filled in are correct.
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Then, you can finally review the complaint and submit it.
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You need to carefully review each point
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and then you can submit it.
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As soon as you press the Submit button,
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you will get a form,
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you can review it and then Submit it.
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You will receive a reference number from RBI
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and also you will receive an acknowledgment via mail.
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You can also track the complaint.
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Complaining to RBI is considered a high-level complaint.
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So, this will be acted upon.
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RBI will directly approach the Banks/Financial Institutions,
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the action will be immediately taken.
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So, be careful.
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Provide the correct information.
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The action will be taken properly and promptly.
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I hope you are clear with the process.
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Again reiterating, you can complain to the RBI,
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after the complaint is made to the Banks/Financial Institutions
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and you have not received a satisfactory answer for the same
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or have not received the answer and 30 days have passed.
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If you have not got a satisfactory answer,
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you need not wait for 30 days.
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But, if you have not got the answer,
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you will have to wait for atleast 30 days.
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I hope you liked the video and are now clear on the process.
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All the formats will be provided in the description box.
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If you have any issues in filing the complaint,
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you can contact us on the email ID and mobile number
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given on the screen.
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Rupyz MSME team will help you in this process.
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If you liked this video, please like it.
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And, if you have still not subscribed to the channel,
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for such videos and important updates,
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do subscribe to the channel and press the bell icon.
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