Online banking is one of the most active advances in the banking industry. The most important feature of internet banking is that it allows consumers to conduct transactions from any location.

Any customer may use internet banking at any time of day to transfer money from their concerned bank account to another bank account in the blink of an eye.

However, one of the most major disadvantages of online banking or net banking is that a single customer error can cause considerable issues. Customers frequently make the mistake of transferring cash to a fictitious bank account. It is the responsibility of the bank to resolve the issue and if it is not resolved customers have the right to file a complaint against the bank.

A multitude of circumstances can lead to erroneous transactions:

• The remitter inadvertently enters the incorrect Bank Account Number or IFSC Code, resulting in a fraudulent transaction owing to technical issues on the part of the concerned bank.

• If an amount has been debited or credited to the incorrect bank account owing to technical issues with the financial institution, the responsible Bank is exclusively responsible for enforcing the law.

• If an amount has been debited or credited to an incorrect bank account as a result of technical issues at the relevant financial institution, the Bank is entirely responsible for resolving the situation.

In situations like these, a customer should register a consumer complaint with the bank about improper transactions if the bank does not give a remedy. You might think, "How can I file a complaint against a bank transaction?" "How can I make a complaint against a bank's unethical behaviour?" This is the correct article for you.

How do you take legal action against a bank?

If your bank account has been improperly credited or debited with any amount, you can initiate legal action against the bank by taking the following steps:

1. Notify the concerned Bank by mail or application as soon as possible, providing any critical information such as the date and time of the fraudulent transaction, transaction ID if applicable, amount transacted incorrectly, actual Bank Account Number, and so on.

2. If the concerned bank does not show interest in resolving your problem after acknowledging it, you can bring the matter to the attention of the concerned bank's branch manager by escalating the situation and providing the necessary documents, and requesting that he do whatever is necessary to resolve it.

If your problem isn't resolved after interacting with the bank's branch manager, you can submit a Consumer Complaint Online with the relevant consumer forum under the Consumer Protection Act, 2019 to seek remedy.

This critical Act was adopted by the Indian government to safeguard consumers' interests and to combat unfair commercial practices, as well as the rise of illicit business and fraudulent activities in the country.

If you're seeking a quick and easy way to make a consumer complaint against a bank, we have a suggestion for you.

A simple approach to getting things done

We are all aware of how lengthy and costly judicial processes can be. Officials from the government take their time and charge you more to do your task. It's a good idea to make an online complaint against bank transactions if you've been a victim of a similar fraud. Our organisation, Online Legal India, offers a variety of legal services to assist you in obtaining the justice you need and deserve without depleting your financial resources.

We've already aided over 10,000 customers around the country, and we're working hard to earn your trust. We've got you covered from gathering the relevant proof to drafting the consumer complaint notice.