"The number of complaints has gone up by 4 per cent to 4,477 complaints in 2013-14 as against 4,303 in 2012-13. About 53 per cent of the complaints pertain to Telangana and the rest from AP," N Krishna Mohan, Principal Chief General Manager RBI and banking ombudsman of AP and Telangana, told reporters here.
State Bank of India (SBI) and associates including SBI cards continued to account for the largest share (43.94 per cent) of complaints in 2013-14, though the share had declined from 46.8 per cent in 2012-13, he said.
Complaints relating to electronic banking remained a cause of concern as the issue is assuming gigantic proposition, he said stressing for adequate precautions to be taken, while dealing with electronic banking products.
ATM/Debit card/Credit card complaints accounted for the largest concentration of 28.95 per cent during 2013-14, the senior RBI official pointed out, adding banks have been told to put in place Real Time Fraud Monitor System.
"Most of the complaints pertained to failed ATM withdrawals, fraudulent internet transactions through cloning of cards, harassment in collection of credit card dues," he said.
The share of metropolitan and other urban centres witnessed a marginal increase in share of total complaints to 43.71 per cent and 31.07 per cent respectively.
The share of complaints from semi-urban and rural centres correspondingly saw a decrease vis--vis the previous year's position.
As regards disposal of complaints, Office of Banking Ombudsman Hyderabad in 2013-14 examined 4,803 complaints (including 568 complaints carried forward from the previous year) in terms of various provisions of the Banking Ombudsman Scheme. Of these, 918 complaints of total inflow were found to be non-maintainable, Krishna Mohan said.
Replying to a query, RBI's Regional Director (AP and Telangana) K R Das said whenever Andhra Pradesh government decides to have its own capital, a RBI office will be set up which will also have Banking Ombudsman.