In today's digital age, the allure of online advertisements, especially on platforms like Instagram, often leads individuals to make impulsive purchases. However, the story takes an unexpected turn when the ordered product turns out to be defective, leading to a frustrating experience for the consumer. While some cases are resolved amicably, others result in prolonged inconvenience and financial loss.

For individuals residing in metropolitan cities, such instances are not uncommon. The twist in the tale occurs when attempts to communicate with the seller yield no response, leaving the consumer in a state of helplessness. One individual faced a similar situation, enduring months of effort to seek a refund for a faulty product. Eventually, he not only recovered his money but also received compensation for the inconvenience suffered.

If you find yourself in a similar predicament, there is a recourse available – filing a complaint through the RBI Lokpal. To initiate the process, visit the official website at https://rbi.org.in/Scripts/Complaints.aspx. Here, you will find various options, including the provision to file a complaint under the Lokpal scheme against banks, NBFCs, or other systemic issues. Click on this option to proceed.

Upon clicking, you will be directed to the next page, where you need to click on "File a complaint." Subsequently, enter your name and number, and click on "Send OTP" for OTP verification. After verifying the OTP, you will be required to provide details of your complaint. This includes your name, email, phone number, the category of the complaint, your state of residence, and your complete address. Additionally, you must select the name of the bank or NBFC against which you are filing the complaint and provide details of your grievance.

Ensure that you specify whether you have previously submitted a written complaint to the other party involved. After this, you will be prompted to checkmark the details of your complaint.

It's important to note that you can demand compensation along with the resolution of the issue. Once you submit your complaint, the RBI Lokpal typically resolves cases within approximately two weeks.

However, it is crucial to remember that prior to approaching the RBI Lokpal, you should have attempted to resolve the matter through written communication with the bank or NBFC. Filing a written complaint with the institution is a prerequisite before seeking redressal on the RBI Lokpal website.

In conclusion, consumer complaints in the digital era are not uncommon, but there exists a mechanism for individuals to seek redressal and compensation for their grievances. By following the outlined process on the RBI Lokpal website, consumers can navigate through the bureaucratic channels and ensure a timely resolution to their concerns.

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