Dissatisfaction with a bank’s services is a problem that affects many customers. Very often it is due to unclear provisions in contracts, which give banks a lot of leeway in interpretation. In such situations it is worthwhile to file a complaint.
What is a complaint in a bank?
A complaint in a bank is a demand to the bank to consider an improper action. A complaint is a claim that can be presented against the body that made the mistake. In the case of banks, complaints can be about improper settlement of operations, delay in the provision of benefits, improperly provided service or lack of information. It is worth knowing that if the bank recognizes that it has made a mistake, it is obliged to rectify the damage.
Complaint is one of the ways by which you can fight for your rights. It is worth knowing that there are certain time limits that must be observed. According to the Law on Complaints, a claim must be filed within 2 months from the moment the customer became aware of the bank’s wrongdoing. The complaint should contain all relevant information, such as personal information, account number, date and type of operation, as well as any other relevant information. A complaint is one way to defend one’s rights. However, it is worth remembering that it is not the only way. If the bank believes that it has not made a mistake, other forms of protection can be used, such as mediation, arbitration or court.
What can a bank complaint be about?
A complaint at the bank can relate to many different things. Most often, it is related to improper bank action, such as improper settlement of an account, delay in processing a transaction, or improper customer service. A complaint at the bank can also relate to the malfunctioning of a bank product, such as a credit card or personal account. If a bank customer has any problems with the bank’s performance, he should report it in the form of a complaint. It is worth remembering that a bank complaint must be submitted on the appropriate form, which can be downloaded from the bank’s branch or can also be found on the bank’s website.
Chargeback complaint
A chargeback complaint is a type of complaint that can be filed in the case of credit or debit card payments. A chargeback complaint is addressed to the bank that issued the card, not to the merchant. It can be filed in case of non-conformity of goods with the description, non-conformity of price, lack of goods or services, and in case the goods are defective.
Note that chargeback is not a guarantee of a refund of money, but only a tool to solve the problem. If the bank determines that the chargeback is legitimate, it will refund the customer’s money, and the customer will then seek to recover his money from the seller. Chargeback is often used by customers who made an online purchase and did not receive the goods or received defective goods. It is also often used for payments for services that were not performed.
Chargeback can be filed within 180 days from the date of payment, and some banks even have a longer period. However, keep in mind that the sooner you file a chargeback, the better the chances of success. If the bank finds the chargeback legitimate, the money will be transferred to the customer’s account within 30-60 days.
How to file a chargeback with the bank?
Filing a complaint with a bank does not have to be difficult or time-consuming. If you are a bank customer and have a problem with some aspect of the bank’s operations, you should know how to file a complaint. First you need to decide whether you want to file a complaint online, by phone or in person. Each bank has a different process, but all methods are fairly easy.
Filing a complaint online is often the fastest and easiest way. Many banks have complaint forms available on their websites. Simply fill out the form and the bank will review your complaint. Sometimes you can also access complaint forms through the bank’s mobile app.
Filing a complaint by phone is also easy. Most banks have a hotline you can reach to file a complaint. Often all you have to do is leave a message and the bank will call you back to discuss the problem. However, if you prefer to speak directly with a bank employee, you can make an in-person appointment.
Filing a complaint with the bank in person is often the best way to resolve a problem. It allows you to speak directly with a bank employee and determine how the problem can be resolved. You can also request that the bank employee answer your questions and explain how the bank works.
Regardless of how you choose to file a complaint, make sure you have the basic information the bank will need to process your complaint. You will need to provide your name, account number, and details of the problem. You may also need additional documents, such as copies of bills or bank statements.
Remember that banks are required to process your complaint within 21 days. However, if the problem is not resolved, you can contact a supervisory institution, such as the Financial Supervisory Commission.
