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Sample Complaint Letter to the Bank for Not Receiving OTP

Non-receipt of OTP on time is a common problem faced by many customers of the banks. Although the OTP services have improved substantially over the years, and OTPs are generally received almost instantly, yet there are still some issues with this.

complaint letter to bank manager for not receiving otp for online transactions
A customer can bring this issue to the notice of his banker if he is facing the problem regularly. If more customers complain about the issue, then the banker will ask for an explanation from the OTP service provider and will direct them to resolve it. The banker may change their OTP service provider as a result of many complaints.

A customer can lodge complaints by visiting the branch office and submitting a written complaint letter. Otherwise, he can send an email to the bank's customer care department. He can lodge a complaint through the bank's online customer grievance platform.

Here is a sample of a complaint letter to the bank manager regarding non-receipt of OTP on time while doing online transactions. This is for your reference. Please modify it suitably.


Date: _________

(Name of the Account-holder)
(Registered Address)
Mob. _________

The Branch Manager
(Name of the Bank)
(Name of the Branch)

Sub.: Complaint regarding OTP problem

Dear Sir/Madam,

I am maintaining a savings account bearing number _________ in your bank at ______ branch. It is with great disappointment I would like to state that I have not been receiving any OTP/ not receiving OTP most of the times on my registered mobile number at _______ while doing online transactions by using the Net-banking option.

It has happened several times by now. Hence, I am complaining about the issue to you. I have made sure that my mobile is in a place which is accessible to the telecom network properly so that the OTP SMS can be received without any delay. However, despite this, the OTPs are not received on time.

Therefore, I request you to look into the matter and resolve the issue as soon as possible so that customers like me can benefit from it without any distress. I shall be grateful.

Kindly do the needful and oblige.

Thanking you,
Yours faithfully,

(Name of the Account-holder)

Sample Complaint Letter to the Bank for Not Receiving OTP