If you are facing any issue related to Navi Loan and want to complain about it, then you have come to the right place. Here are several ways to lodge a complaint about every Navi loan related problem, whether it is about delay in loan processing, incorrect charges or other complaints. Here is a step-by-step guide to help you navigate the process.
Contact Navi Customer Support
The easiest and quickest way to lodge a complaint is to contact Navi’s customer service team directly. You can contact them at +91-7463-8414-709. Be ready to provide details about your problem, such as your loan account number, the nature of your complaint and any supporting documents that can help resolve the issue quickly.
Use the Digital Complaint Management System (CMS) Portal
If you do not get a satisfactory response from Navi’s customer support, or if you prefer the official digital route, you can lodge a complaint through the CMS portal. This platform is designed to address issues related to banking, NBFCs (non-banking financial companies) and digital transactions.
Here is how you can lodge your complaint through the CMS portal:
- Visit the official CMS website at https://cms.rbi.org.in.
- Choose the appropriate category for your complaint.
- Fill in the required details such as your personal information and problem description.
- Submit the form and note down the complaint reference number for tracking purposes.
- The CMS portal is a robust tool managed by the Reserve Bank of India to ensure that your complaint is escalated and tracked effectively.
File a complaint with RBI Ombudsman (RBIO)
If your issue is not resolved through Navi’s customer care or the CMS portal, you can escalate the matter to the Reserve Bank of India Ombudsman (RBIO). The Ombudsman is an independent authority that handles complaints related to NBFCs and banking services, including Navi.
How to file a complaint with RBI Ombudsman:
1. Online complaint: Visit https://cms.rbi.org.in and fill out the complaint form under “Ombudsman Scheme”.
2. By post: You can also submit your complaint by mail. Send your letter to:
Centralized Receipt and Processing Centre (CRPC)
Reserve Bank of India
4th Floor, Sector 17, Chandigarh – 160017
In your complaint, include relevant details such as your Navi loan account number, your concerns, and any previous attempts to resolve the issue with Navi’s customer support.
What to expect after filing a complaint
Once your complaint is submitted, you should receive an acknowledgement with a reference number. This number can be used to track the progress of your complaint, whether it is filed through Navi customer support, the CMS portal or the RBI Ombudsman.
Resolution time may vary depending on the complexity of the issue and the method you used to file the complaint. In most cases, complaints filed with Navi customer support are resolved within a few days, while complaints sent to the RBI Ombudsman may take longer.
Tips for a successful complaint process
Document everything: Keep a record of your interactions with Navi, including the date and time of the phone call or email. This can be useful if you need to escalate the issue later.
Be specific: When filing your complaint, clearly describe the problem and what solution you are looking for. This makes it easier for the team to address your concerns.
Follow up: If you haven’t received a response within the expected time frame, don’t hesitate to follow up on your complaint.
Conclusion
Whether you’re dealing with a minor issue or a major complaint, knowing how to complain effectively can save you time and stress. Start by contacting Navi’s customer service and file a complaint on the CMS portal or to the RBI Ombudsman if needed. Always keep your documents and reference numbers handy for a smooth resolution process.
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