Banking & Finance
UPI fraud, bank complaints, loan recovery harassment, insurance claims, credit reports, and digital payments.
Know Your Rights
In Simple Words
If money is taken from your bank account, UPI, card, wallet, or net banking without your consent, report it immediately. Quick reporting improves the chance of blocking the money trail and may limit your liability under RBI customer protection rules.
Relevant Law
RBI customer protection circulars and Information Technology Act, 2000 - RBI directions on unauthorised electronic banking transactions
In Simple Words
If your bank, NBFC, payment wallet, or regulated financial company ignores your complaint or gives an unsatisfactory reply, you can escalate to the RBI Integrated Ombudsman after first complaining to the company.
Relevant Law
Reserve Bank - Integrated Ombudsman Scheme, 2021 - Complaint redressal framework
In Simple Words
If you have a loan default, the lender can recover money only through lawful methods. Recovery agents cannot threaten you, call at unreasonable hours, abuse family members, shame you publicly, or use force. You still owe lawful dues, but harassment is not allowed.
Relevant Law
RBI Fair Practices Code and recovery agent guidelines - Regulated entity recovery conduct rules
In Simple Words
If your CIBIL or other credit report wrongly shows a loan, missed EMI, settled account, duplicate account, or identity mistake, you can dispute it. Credit bureaus and lenders must investigate and correct verified errors.
Relevant Law
Credit Information Companies (Regulation) Act, 2005 - Credit information dispute and correction framework
In Simple Words
If your health, vehicle, life, or general insurance claim is delayed, partly approved, or rejected, ask for written reasons and the policy clause relied on. You can complain to the insurer, insurance ombudsman, and consumer forum depending on the issue.
Relevant Law
Insurance Act, 1938 and IRDAI regulations - Policyholder protection and grievance redressal rules
In Simple Words
If money is debited but cash is not dispensed, a UPI payment fails, or a card transaction is unsuccessful, the bank or payment provider should reverse the amount within applicable timelines. If it is delayed, complain in writing and escalate.
Relevant Law
RBI payment systems and customer compensation directions - Failed transaction reversal and compensation framework
💡 Need to take action?
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