Is there any way to complain to the bank? How to file a complaint with the bank

If you are not satisfied with the bank's products or services due to various factors, if you still do not communicate well in the process of handling the business, then the consumer can complain through the official website or customer service.

How to file a complaint with Bank of China?

1. Online complaints.

Select "Complaint" in the "Feedback Category" in the mailbox, fill in your name, mobile phone, email, and complaint matters, and then submit.

After connecting**, you can select a human service according to the voice prompts. Then complain to the customer service staff about the specific situation, and agree on the time to solve the problem.

3. Complain to the CBRC.

If you are not satisfied with the way the bank has handled the complaint, or if the bank has not given a final reply within the agreed time after receiving the complaint, you may seek assistance from the CBRC.

Complaints to the CBRC should be made in writing with details of the incident and nature of the complaint, the name of the complainant and contact details. Generally speaking, it is not convenient to accept oral or anonymous complaints against the CBRC.

However, since the CBRC has limited powers and responsibilities over the procedures for banks to handle customer complaints, it is recommended that it is better to have complaints from banks.

Legal analysis: 1. Complain to the bank.

Under normal circumstances, consumers who wish to lodge a complaint about a bank's business or services should first contact the bank, which will give the bank the opportunity to resolve the complaint as soon as possible.

2. Consumer complaints**.

If you don't want to go directly to the bank, you can also complain to the consumer complaint ** (mediation center) of the banking financial institution, and the dispute with the bank will be handled by the bank.

Consumers can also write to the mediation center or go to the mediation center to report the problem.

3. Report to the CBRC.

If consumers want to report violations of laws and regulations in the business and services of banking financial institutions, they should write a letter or visit to the CBRC. Generally speaking, the CBRC does not accept oral or anonymous reports on a straightforward basis.

Legal basis: Administrative Measures for the Handling of Consumer Complaints in the Banking and Insurance Industries

Article 4 Banking and insurance institutions are the main bodies responsible for safeguarding the lawful rights and interests of consumers and handling consumer complaints, and are responsible for the management, guidance and assessment of the handling of consumer complaints by their units and their branches, and for coordinating and urging their branches to properly handle all kinds of consumer complaints.

Article 6 The China Banking and Insurance Regulatory Commission (hereinafter referred to as the "China Banking and Insurance Regulatory Commission") is the supervisory unit for the handling of consumer complaints in the national banking and insurance industry, and supervises and guides the handling of consumer complaints in the national banking and insurance industry.

The China Banking and Insurance Regulatory Commission (CBIRC) shall supervise and guide the handling of consumer complaints in the banking and insurance industries within its jurisdiction, and promote the establishment and improvement of diversified consumer dispute resolution mechanisms within its jurisdiction.

Directly to the branch on duty leaders to complain that bank outlets will have a duty leader, may be the director (president, vice president), supervisor (operation manager), lobby manager, one of the responsibilities of the leader is to resolve the conflict, the general leader is not in conflict with the customer, the leader will not show a bad attitude, so the attitude of ordinary staff, can directly complain to the leader on duty. As the immediate boss of the complained employee, he also knows the employee's situation best, and will do everything he needs to explain or criticize and educate.

If it is a contradiction that cannot be resolved in the outlet, you can complain to the direct management department of the superior bank of the outlet. Generally, it is connected to the retail department, the operation department, and the corporate department. You can go directly to the direct management department, or call ** to complain.

Generally, the outlets will be marked with the ** of the relevant departments of the superior bank, and you can pay attention to the outlets and record them.

After receiving the complaint, the superior bank will definitely understand the situation from the branch leaders and the complained employees, and will also call up the monitoring for verification, and will definitely give feedback to the customer after understanding it clearly. If the complained employee's bad attitude is true, he or she will definitely be punished, with cash penalties or a notice of criticism or both.

If the leader of the outlet or the employee being complained about cannot reach a settlement with the customer and keeps the complaint, then the whole year of the outlet is equivalent to a stain, and basically all the evaluations are not qualified. The performance pay for the entire year will also be greatly affected by the entire network. The consequences of being complained about are very serious, and it can be said that one person commits a crime and all of them suffer.

Complain to the local banking regulatory bureau, the People's Bank of China and other regulatory authorities, if the complaint escalates to a regulatory department other than the bank, it will be very serious! Usually, customers will only take this approach if they are very angry or have met the relevant regulatory authorities. It is very serious to be complained to the regulatory department and then held accountable!

If it is really a very bad problem, and for various reasons, it fails to appease customers at the level of the bank, and causes trouble to the regulatory authorities, the regulatory authorities will send a notice of criticism to all financial institutions in the jurisdiction, which is a very serious incident! The person in charge of the entire relevant line in the industry will be punished to varying degrees.

Finally, I want to explain that the complaint is a very serious incident, if it is not too bad to solve, I hope you still have more understanding, more responsibility, after all, bank employees are very hard, especially the front-line employees at the grassroots level, with less salary, more work, high pressure, and sometimes a little emotion is also human nature, I hope that there are conflicts can be resolved on the spot. If customers can be more considerate of the service and business process, I believe that the bank staff will try their best to provide better service to everyone.

The best way to do this is to directly complain to the bank**, and I personally tested that this way of complaining is very effective.

Hello, I am a cooperative lawyer of LegalPro platform and I am happy to serve you.

Hello, I am a cooperative lawyer of LegalPro platform and I am happy to serve you.

Ask how to complain to the bank.

The bank that answers the complaint can file a complaint with the local financial office or the local banking regulatory bureau. The Measures for the Suppression of Illegal Financial Institutions and Illegal Financial Business Activities stipulate that without the approval of the People's Bank of China in accordance with law, no unit or individual may establish financial institutions or engage in financial business activities without authorization.

Article 5 of the Measures for the Suppression of Illegal Financial Institutions and Illegal Financial Business Activities: Without the approval of the People's Bank of China in accordance with law, no unit or individual may establish financial institutions or engage in financial business activities without authorization.

Industrial and Commercial Bank of China (95588); Agricultural Bank of China (95599); Bank of China (95566); China Construction Bank (95533); Bank of Communications (95559); Shanghai Pudong Development Bank (95528); Industrial Bank (95561); China Everbright Bank (95595); Minsheng Bank (95568); China CITIC Bank (95558); China Merchants Bank (95555); Postal Savings (11185).

At present, the CBRC does not have a ** complaint, which can be made in writing, and details the incident and nature of the complaint, the name of the complainant and the contact information.

It is usually found on the back of the bank card.

Hello question, thank you for the answer.

Hope my advice is helpful to you.

There are four ways to complain about a bank: the district head office, the city head office, the head office, and the China Banking Regulatory Commission. Complain to the head office first, and the national head office will then contact the branch president directly to understand the situation.

Before the head office contacts the sub-branch, you will complain to the regional sub-branch and the municipal head office where the bank is located, and the regional sub-branch and the head office management center will contact the president of the sub-branch, and the national head office + municipal head office + regional head office will contact the bank at the same time. Finally, the State Banking Regulatory Commission will directly retain the evidence at that time, copy the USB flash drive, write the paper complaint letter with real name, and mail it to the CBRC.

You can learn about the bank's complaints**, and then make complaints according to the bank's service attitude and bank-related handling items.

If you want to complain to the bank, you can complain to the CBRC, as long as the bank has violations, then you can report these violations to the CBRC.

1. Complain to the business outlets of banking institutions or their superior management departments.

2. Complain to the financial regulatory department.

3. Claim rights to local consumer rights protection agencies or file a civil lawsuit with the court.

Extended information: 1. How to complain to the CBRC? Complaints to the CBRC should be made in writing with details of the incident and nature of the complaint, the name of the complainant and contact information. Generally speaking, it is inconvenient for the CBRC to accept oral or anonymous complaints.

2. How does the CBRC handle complaints?

1) All complaints will be kept strictly confidential, and the CBRC will only disclose the details to the relevant banks in the course of handling the complaints.

2) Upon receipt of a written complaint, the CBRC will handle the complaint with the bank concerned and request the bank to promptly investigate and reply directly to the complainant. If the complaint is significant, the CBRC will also require the bank to provide a detailed explanation and response to the complaint.

3) If the complaint involves matters related to the prudential supervision of banks, the CBRC will take corresponding regulatory measures.

3. The role of the CBRC:

1) The CBRC cannot directly intervene in disputes between financial institutions and customers, but it can urge banks to promptly and thoroughly investigate and resolve customer complaints. Therefore, the CBRC will make every effort to ensure that customer complaints are properly handled by banks. However, the complainant must make it clear that the CSRC has no power to determine whether the complaint is reasonable or to order the bank to satisfy the complainant's demands, and in particular, not to order the bank to compensate the complainant.

2) Some of the complaints may involve matters related to the prudential supervision of banks, for example, the content of the complaints shows that the bank may have violated the Commercial Bank Law of the People's Republic of China or other relevant laws, regulations, guidelines or management measures. In addition, if a bank may have acted imprudently or inappropriately, it will also raise concerns for the CBRC as a supervisory authority.

3) In general, complaints that only relate to the charges or quality of the bank's services, the bank's business decisions or investment performance will not fall within the scope of the above categories.

4) For complaints involving prudential regulatory matters, the CBRC will ascertain the facts and require banks to take remedial measures as necessary. The CBRC may also take supervisory measures against banks.

Whatever measures taken by the CBRC against the banks will not change the fact that the CBRC has no authority to order the banks to compensate the complainants.