How to report Harassment by Canara Bank: A Step-by-Step Guide

Step 1: Document the Harassment

1. Record Details: Keep a record of all incidents, including the date, time, names of the bank employees involved, and the nature of harassment (e.g., abusive language, excessive calls, wrongful threats, etc.).
2. Save Evidence: Retain copies of any written communication, emails, text messages, or screenshots of calls.

Step 2: Contact Canara Bank’s Customer Care

1. Phone: Call Canara Bank’s toll-free customer care number (1800-425-0018) and report the issue. Provide them with specific details of the harassment.
2. Email: You can email the complaint to complaints@canarabank.com or ho.customerservice@canarabank.com with a formal complaint letter outlining the details of harassment and attaching any evidence.
3. Visit the Branch: You can also visit the branch where the harassment occurred and meet with the branch manager to report the issue directly.

Step 3: File a Formal Complaint with the Bank’s Grievance Redressal System

1. Lodge an Online Complaint: Visit Canara Bank’s official Grievance Redressal Portal and fill in the details of your complaint under the grievance section.
2. Complaint Form: Alternatively, you can download the grievance form, fill it out, and submit it to the branch or via email to grievanceredressal@canarabank.com.
3. Timeframe: Banks are typically required to resolve grievances within 30 days. If your issue is not resolved, you can escalate it further.

Step 4: Escalate the Complaint if Not Resolved

If your complaint is not resolved within the specified timeframe or you are not satisfied with the resolution, you can escalate the matter.

1. Internal Ombudsman (IO): Canara Bank has an Internal Ombudsman mechanism. You can escalate your unresolved complaint to the Internal Ombudsman. Check the Canara Bank website for the procedure or ask the branch manager for details.
2. Banking Ombudsman Scheme (RBI):
   • If Canara Bank fails to address your complaint, you can file a complaint with the Banking Ombudsman, a quasi-judicial authority established by the Reserve Bank of India (RBI) to resolve disputes between banks and their customers.
   • How to file with Banking Ombudsman:
     1. Visit: Go to the official Banking Ombudsman Portal (CMS RBI Portal).
     2. Fill the Form: Provide details of your complaint, attach any evidence, and mention that the complaint was previously raised with Canara Bank but remains unresolved.
     3. Locations: You can also send a written complaint to the RBI’s regional office. Find your nearest Banking Ombudsman Office here.
     4. Time Frame: The Ombudsman is expected to resolve complaints within 30 days.

Step 5: Legal Action (If Necessary)

If none of the above steps lead to a satisfactory resolution:

1. Consumer Court: File a complaint with the Consumer Dispute Redressal Commission (CDRC) for any deficiency in service under the Consumer Protection Act, 2019.
2. Legal Advice: Seek legal counsel if the harassment continues, and you can also file a civil suit for damages or harassment.

Step 6: Report to Regulatory Bodies

1. Reserve Bank of India (RBI): If there is a regulatory violation (such as wrongful debt collection practices), you can submit a complaint with the RBI’s Consumer Education and Protection Department.
2. Ministry of Finance or Banking Codes and Standards Board of India (BCSBI): You can also approach these authorities for serious violations.

Get in touch with us today at bankharassment.com and embark on your path to financial freedom