The Bank of India (or BoI) is one of the top 5 banks in India and has branches all over the country, serving millions of customers. However, if you’re unhappy with their services, you can file a complaint with them to get your issue resolved and receive justice. Here’s how to do it step by step…
Starting your complaint
The Bank of India wants its customers to be happy. Before you take your complaint any further, they ask that you attempt to resolve it directly with them. Whether it’s due to rude service or an unfair charge, there are several ways you can get in touch with Bank of India.
Since most banks have online complaint forms, start by contacting BoI online. To do so, they’ve developed an official process for filing grievances. First and foremost, your best bet is to speak with someone directly at a local branch. If that isn’t possible, phone support (1800 103 1906) may be helpful.
You can also contact their email address ([email protected]) if all else fails; sometimes reaching out directly to the bank through their website will help get things moving quickly. Your letter must be legible and written in English, Urdu or Hindi; if it is not, BoI will consider your application incomplete.
Remember that filing a consumer grievance doesn’t affect your credit rating score unless you default on payments due to unsatisfactory redressal (in which case, BOI can attach your account).
Choosing which office to file your complaint at
You’ll need to file your complaint at one of six regional offices in Mumbai, Kolkata, Chennai, New Delhi, Bangalore or Hyderabad. If you’re unsure which one your branch is assigned to, you can use it.
The first thing you should do is gather all relevant documents relating to your complaint and make copies for yourself. This will ensure that there are no issues when filing your complaint – the Bank of India recommends that you keep originals safe and carry hard copies only when visiting them.
Writing a Grievance Letter
If you’re not happy with something, complaining is always an option. But if your problem isn’t solved by talking to someone at customer service or calling again, it’s time to write a formal complaint letter.
The process varies slightly depending on what you’re trying to complain about – from lodging a grievance against your bank to trying (and failing) to get satisfaction from your airline but here are some general guidelines that’ll help get your point across:
- Assemble documentation and save relevant emails/receipts. Be sure to give copies of any written correspondence you’ve had so far, as well as keep a record of all phone calls.
2. Include all pertinent details upfront. This includes information like when and where your issue took place, who was involved in solving it, and how many times you’ve talked to them before coming up empty-handed.
3. Keep it clear and simple. This might be hard to do given how frustrating your situation may be, but writing clearly will make a big difference in getting things done; try avoiding words like basically or simply, for example, which can often muddy things up.
4. Keep emotions out of it; stick to facts instead.
5. Don’t threaten legal action unless you really plan on following through (you might just end up scaring off whoever receives your letter).
6. Ask for what you want. This can be anything from refunds to credits, but remember that sometimes these things come only after repeated complaints.
7. Keep sending it back until someone fixes it. It’s normal for grievances to go back and forth between parties until they’re resolved, but make sure to reiterate why you think your problems aren’t being taken seriously – and try escalating them if they still don’t take action after repeated attempts.
Attaching Evidence and Receipts
Make sure you attach any evidence or receipts that support your complaint. There is no limit on how many attachments you can include. If you have more than 5-6 documents, consider uploading them to an online file storage service like Google Drive and providing us with a link (URL). This way, we can access your files easily from any computer/device with an internet connection.
We recommend using PDFs for all your papers since most other formats will take longer to upload and download. Also, remember to add meaningful titles for each attachment so it’s easy for our staff to identify what it is once they begin working on your complaint.
For example My Email Correspondence with Bank Official 1′′, Receipts, etc.
The first step in filing a complaint with Bank of India is to apply online for any service that you need. If you’re not familiar with how it works, then you can use their Application Form section where they will walk you through each step.
However, if you know what kind of complaint or inquiry you want to file, then head over to their Complaints and Inquiries page where they have ready-made forms available on all different topics. You just fill out your personal information at the top and upload any necessary documents.
There may be a small fee involved when filing your complaint depending on what type of inquiry you are making. There is also an official mobile app (Android or Apple) available from Bank of India that allows users to submit requests and track them until they are resolved.
What will happen after filing a complaint in BOI? How long it will take for the case to be monitored and handled? What actions will be taken by the bank on your pending complaints? When will the swift action from the customer service team happen? BOI has a centralized complaint monitoring unit that is fully responsible to ensure issue resolution at two levels i.e. Grievance Management department as well as Deputy Manager level.