It so happens that you have to think about where to complain about the bank in our country. This issue begins to interest citizens when they notice a violation of their rights. Often a similar topic excites those who took a loan or a loan. Unfortunately, debtors very often face a violation of their rights, as well as the terms of the contract. In some situations, the issue of complaint raises with regular customers. It is important to keep in mind that in the event that a person is not happy with something, he has every right to complain to a financial institution. But how can this be done?
Possible solutions
There are many options for answering the asked question. The client himself is free to choose the place of such treatment, but only taking into account all the circumstances of a given situation. It should be said that it is far from always possible to go to a service to write a complaint about a banking institution, as there are exceptions. And without taking into account those, a person has the right to contact:
- The head office of the bank, as well as the court.
- Anti-collection organization.
- To Rospotrebnadzor, or to the Federal Antimonopoly Service.
- In the communication supervision structure.
- To the prosecutor’s office, or to the Central Bank.
As for complaints, it is always necessary to start with the most humane measures. This is about the citizen’s appeal to the head office of the institution, in which, in his opinion, his rights were violated. As a rule, in the cities there are branches, and the central office is located in the capital. To the address of the central office – that's where to complain about the bank.
When is it appropriate?
In what situations is it advisable to contact the main office? Practice shows that in all. In the event that human rights have been violated, and, in addition, in the presence of various claims to the work of a financial organization, a citizen can apply to higher authorities. At the initial stage, such an organization is the head office of the organization.
After the application is sent, a response can be expected within ten to fifteen days. As a rule, the head office takes all customer complaints into account. But what to do if this did not happen, and where to complain about the bank?
Help Rospotrebnadzor
Any organization provides certain services. Therefore, they all fall under the influence of the law that controls the rights of consumers. In the event that the law is not respected, a citizen can safely complain to Rospotrebnadzor. And at the same time, it is absolutely unimportant which institution is involved. The main reason is that the rights have been violated. For example, a bank calls on someone else's loan – where to complain?
First you need to write an appeal to Rospotrebnadzor for a bank that violated rights. It is necessary to clearly and structuredly state in it the circumstances that took place. If there is any evidence of unlawful actions on the part of the organization, it is recommended that they be attached. And after that you need to send a statement.
The expected response from Rospotrebnadzor should come about thirty days after receiving the complaint. If this structure is deemed necessary, then all violations will be quickly corrected. But, unfortunately, in practice, people rarely turn to this authority. Much more often, other options are used in the development of events, which I must say, quite a lot.
Where else to complain about the bank?
Antitrust Service
For example, people can contact the Federal Antimonopoly Service. This is also not such a frequent occurrence, but you should be aware of it.Indeed, in situations where you need to complain about the illegality of the bank’s actions, you should consider all the ways to solve the problem, which can be completely different, practically not encountered in practice.
Thus, this structure should be contacted when the bank violates antitrust laws. Most often, it is recommended that anti-monopolists write complaints in those situations in which a citizen is misled or imposed on unnecessary services. As practice shows, in such situations, contacting the antimonopoly service is quite effective.
But what does it mean to mislead a client? For example, a person decided on a service after seeing an advertisement, and important points related to the conclusion of an agreement and assistance were not reported in it. Another reason for contacting such a structure may be coercion to something. For example, when the bank imposes additional insurance upon issuing a loan, which is absolutely illegal.
Where to complain about calls from the bank?
Communication Supervision Services
Sometimes, in case of violation of rights, you can contact the service for supervision of communications. This option is also quite rare, but sometimes it can help. For example, in the event that a citizen has suspicions, or even strong arguments that the bank violates the storage rules along with the processing of information, he can safely contact this service.
In this regard, it is necessary to recall that the personal data of citizens should be kept in strict secrecy. Only a specially authorized person has direct access to them within a banking institution. The transfer of such information about customers to banks in the interests of third parties is a direct and flagrant violation of applicable law. For this reason, any citizen can contact the service for supervision of communications. All that may be required for this is evidence of violation, along with good reason, to complain about a probable crime on the part of a banking organization.
Additionally, where to complain about a bank in Russia?
Prosecution authorities
An excellent option is to contact the prosecutor. This is a fairly common phenomenon that many people use in our country. As already mentioned, for starters, it is recommended to write a statement to the head office of the bank, if there is no sense, then it's time to go to the prosecutor.
People come to these bodies with various problems, so we can say that the prosecutor’s office – universal place to file any complaints. Unless you should complain about the poor quality service of any organization, since it is completely useless and inefficient. But where to complain about the bank’s misconduct?
Most often, complaints are found in the prosecutor's office indicating actual violations of existing Russian law. Thus, if a bank violates the law, you can safely write a statement to the prosecutor. The answer usually comes about a month after the corresponding appeal. This, of course, is not too fast, but effective. It should be emphasized that the prosecutor's office is one of the most influential organizations that are able to protect bank customers. Therefore, neglecting this institution is definitely not worth it.
Anti-collection agencies
Where to complain about bank employees?
In situations when it comes to the so-called debt collection with the involvement of collectors without legal grounds, a citizen should come to anti-collectors that will help calm down the relevant organizations and deal with the bank.
True, such a scenario does not occur too often due to the fact that anti-collection agencies are by no means available in all cities today. Moreover, they were originally intended not to fight with the bank, but for the victory of collectors.Therefore, it is possible to consider such an approach to the problem, but it would be better to postpone it as a last resort until the bank engages the service of collectors in the proceedings. As soon as this happens, it will be possible to enlist the support of an anti-collection company without hesitation.
To do this, it will be enough just to clarify the situation in writing, and then pay for the services. The results in this case will not be long in coming. As a rule, progress in resolving problem situations related to debt is visible almost immediately.
Where to complain about banks in Russia?
Going to court
Whatever the violation, a person can always go to court, since this structure helps to protect the rights of citizens, regardless of the case. By writing a statement of claim, a person can safely wait for a solution to the situation. The only drawback is that it can take a lot of time to achieve the desired result.
Where else can I complain about the bank?
central bank
Sometimes citizens have the opportunity to contact the Central Bank. Such a measure will be the most serious decision that will have to be taken, because the grounds for this type of complaint must be truly compelling. Just because a serious structure will not engage in the implementation of thorough checks of a controlled organization.
As practice shows, such a phenomenon is quite rare, but still takes place. The process itself is not much different from writing a complaint to any other authority. The citizen will be required to submit a statement, as well as evidence of violations in case they exist. In addition, it is important to detail the story of why, in the opinion of the citizen, his rights, as well as the law, were violated.
After sending the application to the Central Bank, it remains only to wait for an answer that will come about one month later. Sometimes the answer comes with ready-made results of the audit of the banking company that violated the rights.
What reasons can a citizen have to apply to the Central Bank?
As already noted, the grounds for such treatment should be really serious and compelling. Let us call an approximate list of situations in which a citizen has the right, according to legal reasons, to draw the attention of the Central Bank to violations of a financial institution:
- A financial institution violated bank secrecy by disclosing information about its client and his documents.
- The Bank violated the conditions associated with the opening of deposits and accounts.
- Refusal to the client to issue a bank card without reason.
- Bank refusal to provide citizens with information on services, for example, information on deposits and services.
Finally
It should be emphasized that in case of violation of existing legislation, and, in addition, the rights of citizens by the bank, a person has the opportunity to contact a huge number of different authorities. When choosing which option is better, you should start from the circumstances. The most effective and also very common methods are appeals to the court and the prosecutor's office. In the event that human rights have been violated, action should be taken immediately, as the less time passes, the more chances there will be of success in achieving justice.
We examined where to complain about the actions of the bank.