Complaint against Sberbank: grounds, procedure for processing and filing

Sberbank is the largest Russian bank. He has a huge number of branches and branches dispersed throughout our country.

Unpleasant case

Sometimes situations arise in the process of work and maintenance that make the client want to file a complaint against a specific employee or organization as a whole. Many people wonder what to do in a situation that requires proceedings. If the truth is on the client side, the only sure way to restore justice is to write a complaint to Sberbank. This is the only way to get a reaction from the bank. However, the process of processing and forwarding a complaint has its own subtleties, which we will discuss in this article.

Causes of Complaints

Failures can give even the most well-functioning banking system. Sberbank is no exception, and the following situations may arise in its operation:

1. Incorrect treatment of employees of the organization in relation to the client. In this case, there are two ways - to release everything on the brakes and not to take any measures or to appeal against the behavior of a bank representative. This case is the reason for filling out a formal complaint about services at a particular bank branch. The latter is obliged to respond. Where to complain about Sberbank, many are interested.
2. It can sometimes be difficult for a client to understand all the intricacies of a bank. The attentive attitude of the employees and a full explanation can help the client understand all the information he needs. However, quite often bank employees are rude to customers, avoid answers to questions or show their incompetence. If you do not write a complaint in this situation, then it will have further development not for the better.
3. It also happens that clients experience problems due to incorrect calculation and charging of funds due to the fault of a bank employee. In this case, the client has the full right to protect his rights and finances, that is, he can write a complaint to Sberbank.
4. It also happens that an error is made when transferring money on a loan, which ultimately leads to a deterioration in the terms of repayment of the loan and an increase in the amount of debt.
5. The disclosure of confidential customer information is also among the gross violations of the rules of the bank and human rights. Disclosure of client’s personal data is illegal and requires immediate investigation.
6. The recent trend of imposing additional services to customers is also illegal.

These are just the main options for problems that may require resolution by writing a complaint to Sberbank. Below we will consider options for how this can be done.

Complaints Options

Despite the fact that the situation sometimes seems rather complicated, there are quite a few options for how to convey your position to Sberbank. All existing methods can be divided into two types:

• Soft methods of exposure.
• Hard methods.

As in any case, in the case of a complaint against a bank, it’s worth going from small to large. Most often, people use Sberbank’s Internet client.

Simple options

Accordingly, you should first try all the simplest options on how to achieve justice, and only then move on to heavy artillery, like writing an official complaint to the Federal Service for Supervision of Consumer Rights Protection and Human Rights, or filing a lawsuit in court. Moreover, the higher the instance of handling a complaint against Sberbank, the more effort and time will have to be spent to achieve a positive result.

Validity and correct presentation

It is important to remember that any complaint must be substantiated and set out as detailed and clear as possible, indicating all possible facts confirming its legitimacy. The simplest thing to start with is a comment to the employee who has mistreated or mistakenly provided banking services. Sometimes this method is effective and the conflict ends there.

We will figure out how to file a complaint against a branch of Sberbank.

Direct appeal

The first way that you can try to apply is to call the bank hotline. The 800 number is multi-channel, and the operator will answer quickly and will be able to help you as soon as possible. True, this option cannot be called effective. Most likely, the operator will listen to you, perhaps give advice, but this conversation and complaint, most likely, will not go beyond it. The appeal, of course, will be transferred to the person in charge. In this option, a number is assigned to it, it is drawn up according to certain rules, then it is monitored, and the bank must accordingly respond to it. This method, of course, is simple to implement, but its effectiveness, unfortunately, is not very high. Most often, this ends with the fact that the guilty employee will simply be deprived of part of the bonus, or he will generally be unpunished.

Therefore, the question arises of where to complain about Sberbank.

the Internet

There is another simple way with a higher probability of reaction. Almost all major banks have their own resources on the Internet. This is exactly what you can use to file a complaint. On the website of Sberbank, you can write a claim in a special section with feedback. It is important to properly execute an online appeal, following a few simple rules:

• The volume of the message on the site should not exceed five thousand characters. Therefore, you need to write briefly, in fact and on the facts.
• Be sure to indicate the topic that the complaint relates to in the header of the feedback form.
• It is necessary to choose the region in which the violation occurred, and also indicate the number of the branch of Sberbank, whose employees were incompetent.

After sending a message, a unique number is assigned, by which it can be tracked on the site and observe the processing algorithm. If you indicate your email in the complaint, the answer will be sent to it.

Other options for complaining about Sberbank

There are also personal accounts on bank sites, through which you can also write a complaint. You can do this by going to your office and clicking on "Letter to the bank." In the window that opens, you will need to write your appeal.

In addition to the Internet client of Sberbank, there are also many otzovik sites where you can leave comments on the work of a financial institution. This, of course, is not an official complaint, but it affects the organization’s reputation. Many people, before becoming a client of a bank, read reviews on the Internet and draw conclusions about its work. There are also resources that are officially supported by Sberbank, which means that a complaint left on these sites will certainly reach the addressee. This method is good in that you can not only state your complaints, but also read reviews of other people and find useful information on how to proceed in the future.

There is a classic way to file a complaint, namely a written complaint. For this, each department has special forms. Some consider it particularly effective to start filling out the form directly in the office of the head of a branch of Sberbank. The addressee of the claim must be a higher manager, for example, a regional director. The complaint must be assigned a number, and you will be given a copy signed by a bank employee.

Difficult options

All other options are difficult and time-consuming.If all complaints directly to the bank and sent via the Internet do not give a result, it remains only to write complaints to other instances, such as the Central Bank, the prosecutor’s office, etc.

1. Central Bank This organization controls all banks in Russia. In fact, this is a higher authority, which has power and influence on all controlled structures. In his area of ​​competence, for example, revoke a banking license. The Central Bank has a website where you can file a complaint against Sberbank employees.
2. Antitrust Service. This option is far from suitable for every complaint. This method should be used if the advertisement contained inaccurate information, for which reason an agreement was concluded on conditions unfavorable to the client.
3. You can file a complaint with the prosecutor at Sberbank. There are also situations when it is required to address it precisely to this authority. This usually happens if the client has been violated by law. You should write to a higher regional unit of the prosecutor's office. They will not only consider the complaint, but also advise legally.
4. Rospotrebnadzor. The reason for filing a complaint against Sberbank with this organization may be a refusal to early repay the loan issued by the bank, incorrect interest on the loan, improper transfer of debt to a collection agency, as well as cases of creating debt for a good reason.

These are just the basic authorities where you can file a complaint. In any case, one cannot leave mistakes and incorrect attitude of bank employees unattended.