Customers often feel powerless against a bank over wrongful charges, unauthorised or fraudulent transactions, delays, or unfair treatment. In Pakistan, the Banking Mohtasib (Banking Ombudsman) exists precisely to resolve such complaints against banks, and it is a route many account holders do not realise they have.
The usual first step is to raise the complaint with the bank itself and give it a reasonable opportunity to resolve the matter. If the bank does not respond satisfactorily within the prescribed time, the complaint can be escalated to the Banking Mohtasib, who can investigate and direct redress.
Common matters include unauthorised deductions, disputed mark-up and fees, failed or duplicated transactions, mishandling of accounts, and service failures. A clear, documented complaint — with statements, correspondence and transaction records — is far more effective than a general grievance.
Where the amount or the principle is significant, or the conduct points to something more serious, parallel or alternative legal action may be appropriate. We help you choose the right forum rather than waste time in the wrong one.
TFMC advises customers on disputes with their banks, prepares complaints to the Banking Mohtasib, and pursues legal remedies where they are the better course. If your bank has treated you unfairly, we can help you push back effectively.