I want to complain about my banking services

If you are unhappy and need to complain then remember that you can complain to the Credit Ombud if you have a dispute with a credit bureau, a Debt Counsellor (DC) or a credit provider but not if the credit provider is a bank (unless you are under debt review with a Debt Counsellor in which case the Credit Ombud will hear your complaint). If you have a consumer complaint relating to credit extended to you by a bank this must be taken up with the Ombudsman for Banking Services not the Credit Ombud. An easy mistake to make.

In most cases regardless of whether you are under debt review or not and regardless of if you are complaining about a bank or another credit provider, it would be appropriate to take your complaint to the other party in writing and wait a few days before escalating the matter. The ombud will not consider your matter unless you have taken these steps.

If you are unhappy with your banking services and need to make a complaint, it’s crucial to follow the correct procedure. For disputes with a credit bureau, Debt Counsellor, or credit provider (excluding banks unless under debt review), contact the Credit Ombud. Complaints about banks should go to the Ombudsman for Banking Services. Initially, submit your complaint in writing to the concerned party and allow a few days for a response before escalating. Take the first step towards resolving your issue by calling us directly at 086 111 3749 or contact our supportive debt counsellors via our contact page. Short on time? Request a Free Call Back and one of our counsellors will contact you! Zero Debt is a certified Debt Counselling company committed to helping you find a resolution.

FAQs & Answers

1. Who can I complain to about my banking services?
   If your complaint involves a bank and you’re not under debt review, you should contact the Ombudsman for Banking Services. If you are under debt review, the Credit Ombud may handle your complaint.

2. Can I complain to the Credit Ombud about a bank?
   No, unless you are under debt review with a Debt Counsellor. Otherwise, complaints against banks should be directed to the Ombudsman for Banking Services.

3. Who handles complaints about credit providers or Debt Counsellors?
   Complaints related to credit bureaus, credit providers (excluding banks), or Debt Counsellors can be submitted to the Credit Ombud.

4. What is the correct process to lodge a banking complaint?
   First, submit a written complaint to the concerned bank or credit provider. Wait a few days for a response before escalating to the ombudsman.

5. Can the Ombud help me if I haven’t contacted the bank first?
   No, the ombudsman will not consider your complaint unless you’ve attempted to resolve the issue with the concerned party directly first.

6. Is Zero Debt a registered Debt Counselling company?
   Yes, Zero Debt is a certified Debt Counselling company that can assist you with complaints if you’re under debt review.

7. What should I do if I’m under debt review and have a banking complaint?
   You can contact the Credit Ombud if you’re under debt review and experiencing issues with a bank related to your debt review process.

8. How can I get help with my complaint through Zero Debt?
   Contact Zero Debt at 086 111 3749 or via the contact page to speak with a supportive debt counsellor. You can also request a free call back.