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Remote Access App Emptied Bank Account: What to Do Next
RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go under the Reserve Bank - Integrated Ombudsman Scheme, 2026, which replaced RB-IOS 2021 from 1 July 2026. First complain to the entity. If there is no reply in 30 days (or the longer NPCI/card-network window, if it applies) or you reject the reply, file free at cms.rbi.org.in within 90 days. The Ombudsman can award up to Rs 30 lakh for consequential loss and up to Rs 3 lakh for time, expenses and harassment. Complaints received before 1 July 2026 stay under the 2021 scheme. Source: RBI FAQ, updated 1 July 2026 and the RB-IOS 2026 FAQ PDF dated 1 July 2026.
This guide is for a person, family, small business or professional facing remote access app emptied bank account. It turns the problem into a sequence of practical steps: preserve proof, ask the right office for a written decision, escalate through the correct channel, and use RTI only where records from a public authority will help.
Reviewed on: 2026-05-30.
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Related RTI Wiki guides
What if the complaint is closed without reasons?
Save the closure screenshot and file a second-level complaint asking for the reasons, the record examined, and the remedy refused. A closure without reasons is often easier to challenge than a reasoned rejection.