What to do if bank overcharges or fails to reverse unauthorised debit?

Customers facing an incorrect bank charge or unauthorised debit should first file a formal complaint with their bank. If issue remains unresolved or the bank doesn't respond within 30 days, they can approach RBI through its complaint management system, which is part of Integrated Ombudsman Scheme. Customers must file the complaint with RBI within 90 days of receiving bank’s response.