How to write a bank complaint

The modern world is dynamic, and the banking system does not stand still - a large number of new services, products, as well as credit organizations appear annually. However, along with this, a huge mass of misunderstanding and discontent among clients of such a spectrum of activity. If you are faced with illegal actions of a bank employee or caught the tricks of fraudsters - make a complaint. And how to make it properly, to achieve a positive result, consider in this article.

1

Problem situations with the bank

The rights and obligations of both parties to monetary relations are fixed Law of the Russian Federation "On Banks and Banking". As a rule, the client, which receives these services, cause discontent the following situations:

1. Loss of money from the account. If you notice a sudden expense on the map - this is a big reason to "beat the alarm". Call client support, clarify the department of the department, you may have fallen into the network "pseudo-organizing".
2. Unlawful penalties and delay. By entering into a contract, carefully read his conditions, exclude all the "pitfalls". If necessary, show a sample document by an experienced lawyer.
3. Imposing banking products and services. When an employee is too persistent and categorical in service only under concrete conditions - you have a reason to think about it. If you did not figure out something, it is better to abandon the offer.
4. Violation of bank secrecy or other conditions of the legislation of the Russian Federation. To prove such actions, you need to collect all the evidence and materials indicating specific facts.
5. Permanent calls and SMS mailing. In this case, it is not recommended to delete contact history and received messages from the bank.

2

Preparatory process

Before proceeding to the appeal procedure, it is better to communicate with a bank employee or the head of the department. It may have occurred a technical failure or an operator made a mistake that could be corrected later. If, after communication with the bank's management, you came to the conclusion that it is impossible to solve this problem, proceed to the design of the complaint. By the way, your appeal can be placed on the official website of the Central Bank (CB) of the Russian Federation. To do this, go to its information portal, the Internet receiving tab, button "Make a complaint". Select the appropriate section of the document and describe in detail your problem in free form.

3

Registration of document

A bang complaint has a certain structure. With it, it is important to write clearly and essentially, given the following points:

1. In the document header, specify the name of the body where you appeal. This may be the Central Bank of the Russian Federation, Rospotrebnadzor, the Antimonopoly Committee, the prosecutor's office or the court. Also here you need to write your data - FULL NAME, address and contact phone for feedback.
2. In the text of the document, set out its problem in detail. At the same time, it is important to indicate all the details and nuances - the date of operation, the number of the contract, the terms of the transaction, etc. Support your words with the facts - discharge, screenshot of the screen, copies of documents, audio recordings on the recorder, video of the conversation with a bank employee, etc.
3. Specify the sequence of your actions and their effectiveness. For example, that a certain number you called the hotline of the bank, and such an answer was obtained, etc.
4. Do not forget to make a document signature and put the date.

Download right now:

• Sample Complaints in the Bank;
• Filled sample complaint against bank actions in Rospotrebnadzor;
• A filled sample complaint against the bank's actions in the Central Bank of the Russian Federation;
• 
  Filled Sample Complaints of the Bank in Antimonopoly Service;
• Sample Bank complaints in the prosecutor's office;
• Filled pattern complaints in the prosecutor's office;
• Sample Claims in the Bank when infringement of client rights;
• Filled Claim Claim.

4

Alternative methods for submitting an application

To date, it is possible to file a complaint not only personally in the hands of an employee of the relevant instance, but also by the distance. To do this go on site of the Antimonopoly Service of the Russian Federation (FAS) or Rospotrebnadzor. In both cases there is a communication channel "Appeal of citizens", where you can leave your application. The legislation of the Russian Federation defines a 10-day period of receipt of an answer to the complaint provided.

If the problem is massive, it is best to write a collective complaint against the bank. You can find like-minded people among their friends, acquaintances, relatives, as well as on thematic forums.