Common Banking Issues Faced by Indian Customers in 2025

It’s 2025, and while digital banking in India has made remarkable progress, the truth is Common Banking issue are still a part of everyday life for many customers. Despite mobile apps, chatbots, and AI-driven platforms, people continue to face roadblocks in their basic banking needs. As someone who has closely worked on many consumer complaints through Banking Service RBI Complaint mechanisms, I can say confidently technology has grown, but resolution pathways are often neglected.

This article shares the most Common Banking issue customers in India face today and how platforms like rbicomplaint.com are helping customers file an RBI complaint against bank effectively. Let’s dive in.

Cybersecurity Threats and Fraud

In 2025, the biggest concern continues to be cyber fraud. From UPI scams and fake loan apps to phishing emails and OTP-based frauds, scammers have become more sophisticated. Many customers find money deducted from their accounts without consent or notice unauthorized transactions from foreign IPs.

I recently helped a senior citizen from Jaipur file an RBI complaint against bank online after her pension account was wiped out through a fake KYC verification link. Despite repeated follow-ups with the bank, no clear response came for weeks until we escalated the matter using the banking ombudsman online complaint process.

Consumers often don’t know where or how to report such fraud. That’s where rbicomplaint.com becomes a guiding light it helps victims file a proper RBI complaint against bank in minutes.

Service and Accessibility Issues

Despite claims of “24x7 banking,” customers still face challenges like:

• ATMs not dispensing cash but debiting the account

• Failed transactions in mobile apps without refunds

• Long delays in loan processing

• Poor support from customer care teams

Many rural and senior customers struggle with tech-based banking apps. Language barriers, poor app usability, and lack of in-person support make it difficult for them to even raise a Banking Service RBI Complaint.

In one case from Bihar, a customer was denied access to her own fixed deposit because her signature had slightly changed. It took two months of back-and-forth until we filed an RBI ombudsman complaint, which finally pushed the bank to act.

Financial Literacy and Inclusion Gaps

While India is aiming to become a cashless economy, there is a growing divide between digitally-savvy users and those who aren’t. Many customers unknowingly agree to hidden charges, are mis-sold credit cards or insurance, or fail to understand interest and EMI structures.

Due to lack of awareness, many do not even know about the banking ombudsman online complaint facility or their right to file an RBI complaint against bank online.

That’s why we at rbicomplaint.com focus not only on complaint resolution but also on educating customers about their banking rights. A well-informed customer is the first step toward a safer and more inclusive banking experience.

Conclusion

Banking in 2025 may look more modern, but problems remain alarmingly familiar. Whether it’s fraud, inaccessible services, or lack of financial knowledge, the burden still lies on the customer to seek redressal.

If you or someone you know is facing any Common Banking issue, don’t let it slide. Use platforms like rbicomplaint.com to file your Banking Service RBI Complaint with the proper documentation and support. You have the right to fair banking, and the Reserve Bank of India has mechanisms like the RBI ombudsman complaint process in place to protect you.