Where to complain about the bank? Where can I complain about the actions of the bank?

Sometimes it's time to think about where to complain to the bank. This question interests citizens when they begin to notice a violation of their own rights. Usually this topic concerns mainly those who took a loan or a loan. Debtors are more likely than others to violate the rights and terms of the contract. In some cases, the issue of complaint rises before ordinary customers. If something does not suit you, you have every right to complain about the organization. But how to do that? What are the possible developments?

Possible ways

Where to complain about the bank? There are many options for answering this question. You have the right to choose the place of address. Only taking into account all the circumstances of the situation. It is not always possible to contact one or another service for writing a complaint to a banking organization. There are exceptions. Without regard to circumstances, you have the right to apply to:

• The main office of the bank;
• court;
• Anti-collection agency;
• Rospotrebnadzor;
• Federal Antimonopoly Service;
• Service on supervision of communication;
• The prosecutor's office;
• The Central Bank.

Main office

Where can I complain about the bank? To begin with it is necessary to begin with the most humane measures. This refers to the appeal to the main office of the organization. Usually there are branches in the cities, and the head office is in the capital. It is there that you will have to send your complaint.

In what cases will the application appeal to the main office? As practice shows, in all. If your rights have been violated, and if there are any complaints about the work of the department, you can contact the higher authorities. At the initial stage, this is the head office of the company.

After you send the application, the answer must come within 10-15 days. Usually all customer complaints are taken into account. What if this did not happen? Where to complain to the bank in this case?

Rospotrebnadzor

Any company renders those or other services. Therefore, it falls under the influence of the law "On the Rights of Consumers". If it is not respected, you can calmly complain to Rospotrebnadzor. And it does not matter which company is talking about - ordinary or bank. The main thing is that your rights are violated.

To implement the idea in life, it is necessary to write a complaint-complaint to Rospotrebnadzor on this or that bank. You must clearly state in it all the circumstances and violations that have occurred. If there is any evidence of misconduct of the organization, attach them. And after you already send your application to Rospotrebnadzor.

Now it is clear where to complain about the bank. The response from the organization should come about 30 days after the receipt of your complaint. If you "hear", all violations will be quickly corrected. In practice, citizens rarely turn to the indicated instance. Much more often, there are other variants of the development of events. Fortunately, there are a lot of them.

Antimonopolists

For example, you have the right to apply to the Federal Antimonopoly Service. Not a very frequent phenomenon, but it is necessary to know about it. After all, if you are looking for where to complain about the actions of the bank, you will need to consider all possible ways to solve the problem. They can be different, even almost not encountered in practice. But to know them is necessary to the full. Perhaps, it is your case that is suitable for addressing to one or another instance.

Antimonopolists can be contacted when the antimonopoly legislation is violated . But most often it is recommended to write complaints in cases when you are misled or impose some kind of services. Treatment is extremely effective.

What can be called the term "misleading"? For example, you decided on some kind of service by looking at advertising, but it did not mention the important moments of concluding a contract and helping you.

Another reason for applying to the FAS is coercion to anything. For example, if a bank insists on insurance in an insurance partner when issuing a loan . It is illegal. Therefore, it is necessary to apply to the antimonopoly service.

Communication Supervision Service

Where can I complain about the actions of the bank? Sometimes, as already mentioned, there is an appeal to the communication supervision services. Perhaps, one of the most rare phenomena that can only be observed. After all, the reasons for which the population addresses here is extremely small.

If you have suspicions or weighty arguments that the bank violates the rules for storing and processing information, it is necessary to write a complaint to the service mentioned earlier. There are no other grounds for implementing the idea. Have to choose another place of treatment.

Remember: your data must be kept secret. Access to them in the banking organization is only a specially authorized person. And no one else. The transfer of personal information about customers to third parties is a direct violation of the law. Therefore, you have the right to apply to the telecommunications supervision service. It will only require appropriate treatment and proof of violation. Or a strong reason to complain about the crime by the banking organization of the law.

The Prosecutor's Office

Where to complain about the bank "VTB 24" or any other? A good option would be to contact the prosecutor. A fairly common phenomenon, which many citizens resort to. It is recommended that you first turn to the head offices of banking organizations, and if there is no sense in this, then you should visit the prosecutor.

As a rule, they come here with a variety of problems. This is a universal place for filing complaints. Unless the work of a particular office (for maintenance) is not worth complaining about. It is useless, and inefficient. Where it is better in this case to apply to the head office of the banking organization.

Usually you can meet in the prosecutor's office complaints, which indicate violations of the current legislation in Russia. Remember: if the bank has transgressed the law, you can safely go with a statement about this to the prosecutor. The answer from him will come to you about a month after the appeal. Not too fast, of course, but the result after such an act will be noticeable. The prosecutor's office is one of the most influential organizations that can protect bank customers. Neglect this place is not worth it.

Anti-collectors

It is difficult to imagine, but so-called anti-collector companies also take place. Thinking about where to complain about the bank "Tinkoff" or any other? Then consider a variant with anti-collector organizations.

It's not so hard to guess when it's worth asking for help. If it is a question of "knocking out" debts and attracting collectors without warnings and legal grounds, you have every right to come to anticollectors. They will help collector organizations and calm down, and with the bank to understand.

Such a scenario does not develop very often. After all anti-collector companies are not yet available in all cities. And they are intended initially not to fight with banks, but to defeat the collectors. So you can consider such an approach to the solution of the task, but it is recommended to postpone it "in the long drawer" and not to remember until the bank will not involve the collectors in the disassembly. Then you can without any doubts ask for help from anti-collector companies.

How exactly? It's enough simply to clarify the situation (better in writing), then pay for services. All you can wait for the results. They will not keep you waiting. Progress after the collision of collectors and anticollolators is visible almost immediately.

Court

Where to complain about the bank "Russian Standard" and not only? If there is time, you can resort to the help of the judiciary. Also very common situation. As soon as the rights of the population are violated, it is recommended first to try to solve everything peacefully, and then to go to court. Suitable district.

In the statement of claim you will have to describe all the violations that concern you. Also here are the nuances of illegal actions by the bank. If there are witnesses, invite them. And do not forget to mention the data about these people in the lawsuit.

An important point is the proof of violations. Anything that can indicate the wrongfulness of the actions that the bank is taking is listed in the statement of claim and is attached to it. The more grounds you have for accusations, the higher the probability of success.

What are the reasons for this appeal? By any. A court is a place that will help protect your rights, regardless of the situation. As practice shows, when disagreements with banks are usually law enforcement agencies are on the consumer side.

Central Bank

Where to complain about the work of the bank? Sometimes the population has a chance to appeal to the Central Bank. This is the most serious decision that you will have to take. Remember, the grounds for such complaints should be really valid. Just so no one will be engaged in carrying out thorough checks of an organization.

As practice shows, this phenomenon is not very common. But the process is no different from writing a complaint in any other instance. You need a statement and evidence of violations, if any. Or a detailed story about why specifically you think your rights are violated (or the law).

After you send the application to the Central Bank, it remains only to wait for an answer. He will come in about a month (more precisely 30 days). Sometimes already with the results of checking the actions of the banking company.

Reasons to apply to the Central Bank

If you are wondering where to complain about calls from the bank, do not worry the Central Bank. It has already been said that the grounds for applying here must be really valid. Which ones? You can name an approximate list of situations in which you have the right to legally draw the attention of the Central Bank to violations:

1. The lender violates banking secrets, disclose information about the borrower and his documents.
2. The bank violates the conditions for opening deposits and accounts.
3. Ungrounded refusal to issue a bank card.
4. The bank refuses to provide you with information about the service (data on deposits and services).

conclusions

What should be summed up? If the existing legislation is violated, as well as your rights by the bank, you are able to apply to a huge number of instances. Which option to choose? It is necessary to look at the circumstances.

The most effective and widespread methods are: filing a lawsuit in court or appealing to the prosecutor's office. If your rights have been violated, try to act immediately. The more time passes, the less your chances of success are that you will achieve justice.