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Customer Complaint Handling Policy
"I need a Customer Complaint Handling Policy for my retail banking operation in Pakistan, compliant with State Bank of Pakistan guidelines and ready for implementation by March 2025, with specific procedures for both digital and in-branch complaints."
1. Purpose and Scope: Outlines the objectives of the policy and its application scope, including which customer interactions and business units are covered
2. Policy Statement: High-level commitment to customer satisfaction and fair complaint resolution
3. Definitions: Clear definitions of terms used throughout the policy, including what constitutes a complaint versus an inquiry
4. Principles of Complaint Handling: Core principles including accessibility, responsiveness, fairness, efficiency, and confidentiality
5. Complaint Lodgment Procedures: Detailed procedures for how customers can submit complaints through various channels
6. Complaint Processing Timeline: Standard processing times and acknowledgment requirements for different types of complaints
7. Investigation Process: Steps taken to investigate complaints, including evidence gathering and evaluation procedures
8. Resolution and Response: Process for resolving complaints and communicating outcomes to customers
9. Escalation Procedures: Clear hierarchy and process for escalating unresolved complaints
10. Record Keeping: Requirements for documenting and maintaining complaint records
11. Staff Responsibilities: Roles and responsibilities of different staff members in the complaint handling process
12. Quality Assurance: Procedures for monitoring and improving the complaint handling process
1. Industry-Specific Requirements: Additional requirements specific to regulated industries (e.g., banking, telecommunications)
2. Digital Complaint Handling: Specific procedures for handling complaints received through digital channels
3. Language and Accessibility: Provisions for handling complaints in multiple languages and accommodating customers with disabilities
4. Social Media Complaints: Procedures for managing complaints received through social media platforms
5. Alternative Dispute Resolution: Information about mediation or arbitration options
6. International Customer Complaints: Special procedures for handling complaints from international customers
1. Complaint Form Template: Standard form for recording customer complaints
2. Response Time Matrix: Detailed timeline requirements for different types of complaints
3. Escalation Matrix: Hierarchical structure showing escalation paths and contact details
4. Complaint Categories: Classification system for different types of complaints
5. Customer Rights Charter: Summary of customer rights and expectations in the complaint process
6. Regulatory Reporting Templates: Standard formats for required regulatory reporting of complaints
Authors
Complainant
Customer
Grievance
Resolution
Escalation
Service Level Agreement (SLA)
First Response Time
Resolution Time
Critical Complaint
Non-Critical Complaint
Appeal
Regulatory Complaint
Root Cause Analysis
Complaint Register
Acknowledgment
Investigation
Mediation
Compensation
Customer Service Representative
Complaint Handler
Authorized Officer
Electronic Complaint
Written Complaint
Verbal Complaint
Social Media Complaint
Complaint Reference Number
Business Day
Consumer Protection Authority
Ombudsman
Satisfaction Survey
Alternative Dispute Resolution
Complaint Category
Emergency Complaint
Escalation Matrix
Resolution Letter
System
Record
Valid Complaint
Vexatious Complaint
Policy Statement
Definitions
General Principles
Accessibility
Confidentiality
Data Protection
Complaint Lodgment
Acknowledgment
Assessment and Assignment
Investigation Procedures
Resolution Process
Response and Communication
Escalation Procedures
Record Keeping
Monitoring and Reporting
Staff Training
Quality Assurance
Customer Rights
Regulatory Compliance
Timeline Requirements
Documentation Requirements
Roles and Responsibilities
Review and Amendment
Alternative Dispute Resolution
Language and Communication
Emergency Procedures
Special Circumstances
Systems and Technology
Performance Metrics
Feedback Collection
Service Recovery
Appeals Process
External Reporting
Risk Management
Retail
Banking and Financial Services
Telecommunications
E-commerce
Healthcare
Manufacturing
Hospitality
Transportation
Education
Insurance
Real Estate
Professional Services
Customer Service
Legal
Compliance
Quality Assurance
Operations
Risk Management
Training and Development
Customer Experience
Call Center Operations
Branch Operations
Corporate Communications
Internal Audit
Human Resources
Customer Service Manager
Compliance Officer
Quality Assurance Manager
Customer Experience Director
Operations Manager
Legal Counsel
Risk Manager
Branch Manager
Call Center Supervisor
Customer Relations Executive
Training Manager
Chief Customer Officer
Service Delivery Manager
Complaints Handler
Customer Support Representative
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