Over recent years, we have all become more aware of people writing letters to their bank complaining of unfair bank charges which have been levied against them and, having read some useful tips, many people have been successful in getting charges refunded as a result of their complaint.
There is another article on this website which is specifically aimed at writing a letter of complaint to have charges refunded. However, there are many other reasons why you may have complaints about your bank and here are some useful tips in what you should be looking out for if you decide to write a letter of complaint to your bank.
Reasons Why You May Write a Letter of Complaint to Your Bank
Apart from trying to reclaim unfair bank charges, there are several other reasons why you may want to be complaining to your bank. You may have been the victim of a pushy salesperson who has not given you an opportunity to consider a financial product or service carefully before getting you to sign an agreement. You may have been missold a product or service or may be experiencing difficulty in cancelling an agreement. Whatever your reason for complaining to the bank, your letter should include the following useful tips.
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Firstly, be knowledgeable. By demonstrating in your letter that you know your rights when it comes to a particular agreement you’ve made, the more likely the bank is going to take your complaint seriously.
Your letter should be written in a calm and polite tone. Nevertheless, it should be firm. You should be specific in terms of what you’re complaining about and what you are seeking as compensation or as some other form of acceptable resolution.
Make sure you include any relevant dates and any reference numbers pertaining to your particular complaints and, where possible, make sure you send it to a relevant named person if you’re able to obtain that information, as opposed to just the ‘customer service department’.
Also include a timescale in your letter by which you want the bank to acknowledge your correspondence although be reasonable with this as banks will often have many complaints to deal with.
Your situation may be slightly different. ask a question below ↓ and our editorial team will reply with our advice.
Example of a Letter of Complaint to a Bank
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Dear Mr. Jones,
REF: PPI/0545674 JBH I would like to make a complaint about the personal protection insurance policy – reference number above - which I was sold by your field sales representative Jason Abell recently when I took out an unsecured loan with your bank on 2nd April, 2008. I felt I was rushed into agreeing to this policy being tacked onto my loan agreement and it was only later when I was able to read the small print in the agreement that I realised that, due to being self-employed, I would not be entitled to make any claim against the policy were I to become ill and have to take time off work. Therefore, as the policy would not cover me for payments on the loan if I was to become ill, I wish to cancel the policy under the terms of the 28 days cooling off period and to have the money paid towards it so far refunded to my account. Please acknowledge receipt of this complaint within 28 days and I look forward to your co-operation regarding this matter. Yours sincerely, Mr. John B. Hall |
At this stage, you shouldn’t let your complaining be threatening in any way. At least allow the bank to acknowledge that they have received your letter and to address how they intend to deal with your complaint. It’s only if you get no joy that you should then send a second letter emphasising your rights under the terms and conditions of your agreement that you could also add into that second letter that if you weren’t to receive the resolution you are seeking, that you would be looking to take matters further with the Financial Ombudsman, for example.
In other words, ‘save your powder’ for later and at least give the bank the opportunity to put matters right itself without you having to resort to the threat of taking further action. You can always do that later, if need be.
I hope you are well. I am Hafiz Muhammad Affan Raza from Lahore. I have been a customer of UBL for the last 4 years. I always appreciated UBL services as compared with other bank services. Being A customer of UBL , i want to ask to top management where is safety standards of UBL & what protocols are implemented at UBL operation sites.Your Customers are the main source of earning & why Operation sites is showing negligence on customer safety.
I want to highlight major near misses of your operational banking sites.
Scenario #01
Location : Tajpura Lahore branch Butt chowk
Concern: Customer Safety
Date: 05 February,2024
Time : 10:00pm
Root Cause : Lack of supervision of your HSE Dept/Administration Dept
Violation of HSE Protocols
No signages
No barrication
No HSE /Admin person involved for continuous supervision
No awareness of site protocols
Recently I am living in Tajpura lahore. I have visited your UBL Branch Tajpura for cash withdrawal via atm.At above the building ,RCC Lanter construction activity & Mason work were going on & the customers who are coming for atm or branch are open to expose this high risk activity. Workers were doing hammer activity & particles & small stones fell down on the ground .Fortunately ,No one was harmed or injured during this activity.
Scenario #02
Location : Tajpura Lahore branch Butt chowk
Concern: Customer Safety
Date: 20 February,2024
Time : 8:51pm
Root Cause : Lack of supervision of your HSE Dept/Administration Dept
Violation of HSE Protocols
Violation Of work at height protocols
No signages
No barrication
No HSE /Admin person involved for continuous supervision
No awareness of site protocols
On the other day, Ceiling roof activity was going on in front of UBL Atm machine room.Customers were going below planks & planks were placed on two ladders. Operation is going on.Fortunately ,No one is harmed or injured.
I hope this reporting will create a change & UBL will ensure customer safety & you should develop a reporting system of near misses of your facilities.
my wife last month shopping on 24th Sep-23 and payment from ATM card. salesman two times scan but system error card not scan. we paid cash and when she was check balance two transection amount paid (PKR.14882).
we complain on help line and after 10 day our letter TCS but due to my transfer from RYK to Multan said letter not receive any body. we again complain (0946) now he asking after 47 days your amount will return in your account. Bank manager RYK NOT response on phone call we have many time call. Please support and resolve the said issue asap.
Account holder name. Shomaila Saeed
MCB Rahim Yar Khan Branch (Sadiq Bazar).
NIC# 31303-7898166-2.
I have paid the monthly installment of IDFC Bank (10-09-2023) along with the extra charges, which are available in the attachment. After that why did the IDFC bank deduct Rs 116 from my account? Please look at my problem and find a solution. It will be very helpful to you.
Thanks and regards
Nazar Abbas
Sir pls do needful for me
Many people whose gaurdian are died are facing problems for there's money
Mymo number is 9974936421
I was BC and i had opened there account
So pls do needful
Thanks
Manohar dinaji dhore at .kharkada
Tahsil - bramhapuri dist-chandrapur (m.s.)
Yancha saving khata bramhapuri shakhet
AC no-2999503446 aahe. Tyancha pm jivan Jyoti vima kadhala hota .tyanchi corona mule
Death zali.01.04.2021 la .bankela sarv kagadpatre dili aahet parantu ajun vima midala nahi.mob no-9096445901
Rs 30000
To unknown Bank Alfalah acount number 01391008204184 his name is Moiz Haroon.
Please return my money.
Thank you
Dhanyavaad
Kavita Gautam
I still don't understand what the issue was and why he could not use my wife's cell phone number to verify who we were. Both our names are on our bank account with Bank of America, which we have had for 26 years as I previously stated. We hung up from Daniel and said we'll just go online to activate this card. Lo and behold my wife went online with me standing next to her, and we found out that Daniel had put a restriction on this card to activate it. He wants me to come with two forms of ID to the bank to verify who I am even though there are many other options he could have used. I work by myself for myself. In this time of economic crisis I really don't have the luxury of taking time off to sit in a bank of America to prove who I am. I was hoping that I could call back and speak to another person. I spoke with serando who transferred me to his supervisor Priscilla. After a bunch of lip service, Priscilla said that it was protocol for the person to come into the bank and prove who they were. I repeated ,not according to Daniel, all's I had to do was answer a text message and it would have been fine. I am just very disappointed in this corporation and the customer service that I have just been exposed to. There's now a restriction on the account for the visa credit card and if we close the cc account it's going to hit me with negative credit score. So I would just like to let you know that I will not be closing that account out, it will be sitting there in limbo till the end of time . And then in the meantime after that if you looked and see that we both have our social security checks and we use that bank quite a lot, we were most likely be moving it to Florida credit Union. You can thank Daniel for his horrible customer service and you can thank Priscilla for not being able to understand that a 64-year-old man with high blood pressure doesn't need this much stress to o
Aur 21/6/2023 ko hamare accounts mien 8000 kuch rupye the jis mien interest fees kati gai 4700 rupee lekin account mien dikha raha the sirf 800 kuch rupye
And I had to get written permission from husband to take his name off so it would be a sole
Account, 7 months later we tried again , un be known to me until a month ago ,after we split again I found out that Barclays had given my husband access to the once joint account without my permission , I know they've breached protocol and they know it to but now I have to write a letter of complaint , I also know they should compensate me , just not sure what to write.
were able to gain access on the phone how can we dispute this.
I've taken a loan of £10.000 with Barclays about 20 years ago. I've even reclaim the PPI which have been pay last year with a letter of the bank telling me that they do not have any record of it.
The loan has been sold to differents companies over the years and I still own more than £11.000.
I've send them (Barclays) a letter to just cancelled the debt as they do not have any record of it. The answer's no so I'm asking for your advice.
Thank you
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