[Your full name]
[Your address]
[Mobile number] | [Email]
Date: [dd/mm/yyyy]

To,
The Customer Service / Grievance Officer
[Name of bank / NBFC / wallet / credit information company]
[Branch or address / email from the entity's official complaint page]

Subject: Complaint about [short problem, e.g. wrong debit / loan charges / service failure]. Account/Card/Loan no. [last 4 digits or reference only]

Sir/Madam,

1. I hold [account / card / loan / wallet] no. [last 4 digits or reference]. 

2. On [date], [describe what happened in 3 to 6 lines: the transaction or service, amount, reference numbers].

3. I [contacted you earlier on [date], reference [____] / am contacting you for the first time]. [Describe any reply you received.]

4. This caused me [financial loss of Rs. ____ / inconvenience: describe briefly].

5. I request you to [reverse the amount / correct the record / give a written explanation / other relief].

6. Please acknowledge this complaint with a complaint number and send me a written reply. If I do not receive a satisfactory reply within the time allowed, I will approach the RBI Ombudsman under the Reserve Bank - Integrated Ombudsman Scheme, 2026.

Enclosures: [statements, screenshots, earlier replies]

Yours faithfully,
[Signature]
[Name]