What is a Complaint Letter in Banking?
A complaint letter in banking is a formal written document addressed to the bank to report dissatisfaction or an issue — such as transaction errors, poor service, or unauthorized charges. It helps banks take action and improve service quality.
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Why Complaint Letters Are Important
Creates a record of the issue
Encourages quick resolution
Helps banks improve services
Protects customer rights
Demonstrates professionalism in communication
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Common Reasons for Writing Complaint Letters
1. Unauthorized ATM or online transaction
2. Delayed or wrong fund transfer
3. Poor behavior from bank staff
4. Issues with loan or account statements
5. Non-functioning ATM or digital service downtime
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Structure of a Complaint Letter
1. Sender’s Details:
Name, Account No., Branch, Date
2. Receiver’s Details:
Branch Manager, Bank Name, Branch Name
3. Subject Line:
Clear and brief description of the complaint
4. Body:
Explain the issue
Mention date, time, and details
Request for specific resolution
Attach documents (if any)
5. Closing:
Polite and formal tone
Yours sincerely / With due respect
Name, Signature
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Sample Complaint Letter (Banking Transaction Issue)
> Masnun Salehin
A/C No: 123456789
XYZ Bank Ltd, Daulatpur Branch
Date: 15 April 2025
To
The Branch Manager
Uttara Bank Ltd
Daulatpur Branch, Khulna
Subject: Complaint Regarding Unauthorized ATM Transaction
Respected Sir,
I would like to bring to your notice that on 14 April 2025, a transaction of Tk. 10,000 was debited from my account through ATM, but I did not perform this transaction.
I request you to kindly investigate the issue and take necessary action to reverse the transaction amount. I have attached a screenshot of my transaction history for your reference.
Looking forward to your support and an early resolution.
Sincerely,
Masnun Salehin
