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Complaints reach the Internal Ombudsman only after they are:

ARejected by the bank
BReceived by the bank
CRecorded by the bank
DRetained by the bank
Answer & Solution
Correct answer: A. Rejected by the bank
1. The office does not take complaints from the public. 2. The bank must have examined them first. 3. Only partly resolved or wholly rejected ones come up. _Source: Reserve Bank of India (Commercial Banks - Internal Ombudsman) Directions, 2026_
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