Dear Mr. Jain,
Verbal complaints have no value. Pls. send a written complaint to the Head Office of the Co., to the CMD and keep a copy of that letter with you. Wait for the response for 15 to 20 days so if the Co. will not provide you any solution, you can approach RBI with the copy of that letter.
Just send a complaint letter and revert back soon with the response from the Co.


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