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Bank & money

Bank bribe, middleman, or unfair charges

Staff or agent asks money for loan / account work, or charges look wrong.

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Who this is for

Customers facing bribe demands or unresolved bank complaints.

Real life (simple)

  • A bank staffer says your loan will move faster if you pay a “processing friend” outside the branch.
  • Real-life move: refuse, ask for written status of your application, complain to the bank grievance officer first, then RBI CMS if the bank does not answer in their timeline.

What to do (step by step)

  1. Ask for written explanation of every fee.
  2. Complaint first to the bank customer care and keep ticket number.
  3. Escalate inside the bank (branch manager → nodal officer).
  4. If not resolved, use the RBI Complaint Management System (CMS).
  5. Keep account statements and emails as proof with you (do not upload to Trishola).

Tips

  • Never pay cash to a private agent for "loan approval".
  • Official bank fees appear in circulars / schedule of charges.

Warnings

  • Do not share OTP or netbanking password with anyone.

Working links

Official emails (public directories)

  • The bank's official grievance email (from bank website / passbook / app)

Ready drafts

Replace words inside [BRACKETS] with your details. Then send it yourself. We do not collect your data. Hindi draft is available for this guide.

1) Email draft

Subject: Grievance: [ACCOUNT/LOAN ISSUE] : Account/Loan no. [NUMBER]

Respected Sir/Madam,

I am a customer of [BANK NAME], branch [BRANCH].

Issue: [BRIBE DEMAND / WRONG CHARGE / LOAN DELAY]
Date: [DATE]
Account / Loan no.: [NUMBER]
Details: [FACTS]

I request correction, refund if due, and action against wrong practice.

Name: [YOUR NAME]
Phone: [PHONE]
Email: [EMAIL]
Address: [ADDRESS]

2) Letter draft

To,
The Branch Manager / Nodal Officer
[BANK NAME]
[BRANCH ADDRESS]

Subject: Customer grievance regarding [ISSUE]

Respected Sir/Madam,

Please resolve the following:
[FACTS IN SHORT POINTS]

I request written action within the bank timeline, failing which I will escalate to RBI CMS.

Yours sincerely,
[YOUR NAME]
[ACCOUNT NUMBER]
[PHONE]

Links checked: 2026-07-20. This is public civic information, not legal advice. Stay peaceful and lawful.

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