Complaint of the Saudi Central Bank

More than 24 times the product was purchased. The Saudi Central Bank (SAMA) is the authority responsible for regulating banks, finance companies, and insurance companies, and protecting customers from any financial violations or illegal practices within the Kingdom of Saudi Arabia; therefore, citizens resort to filing a complaint with the Central Bank when facing issues such as unjustified salary deductions, or refusal of financing without a clear reason, or even cases of financial fraud. From here comes the importance of drafting an official written complaint in an impactful and clear language that helps clarify the problem and supports the complainant's position before the competent authority; and this is what "Al-Qalam Al-Saudi" is keen on, providing a professional complaint writing service tailored to your case, with unlimited revisions until reaching the perfect formulation. **Procedures for Complaining to the Central Bank** Filing a complaint with the Central Bank is done according to specific steps that ensure the customer’s rights are preserved, including the following: **Official steps to submit a complaint to the Central Bank:** 1. The first stage: directly approaching the financial entity (bank – finance company – insurance company) and officially submitting the complaint there. 2. The second stage: waiting for a response from the entity within a maximum of 5 working days according to SAMA’s regulations. 3. The third stage: if there is no response or the response is unsatisfactory, the complaint can be directly raised to SAMA via official channels: • SAMA Taham Electronic Platform. • The official mobile application. • The unified customer service number. **Expected response time from the Central Bank:** • Usually, a response is given within 7 – 15 working days from the date of submitting the complaint to the Central Bank. • In complex cases, the duration may extend further until all documents are completed and details verified. If the issue is directly related to the central bank itself, a formal complaint can be submitted to the Central Bank to ensure the matter is followed up by the competent authority. **Here, the role of "Al-Qalam Al-Saudi" in drafting an official and clear complaint form to the Central Bank becomes evident, making it easier for the institution to understand the case and expedite its resolution.** **How to Raise a Complaint to the Central Bank** The Central Bank offers more than one official method for submitting complaints, each with its own controls. **How do I file a complaint with the Central Bank?** To know how to raise a complaint to the Central Bank, you must log in to the SAMA portal, select the type of complaint, attach the documents, and then follow up the request with a reference number. **How to file a complaint via the website or application:** • Access the "SAMA Taham" website or download the application. • Register your identity details and mobile number. • Enter the complaint details and attach the required documents. **How to submit a complaint to the Central Bank in paper/phone form:** • Paper: Write a complaint letter to the Central Bank signed by hand and submit it through the institution’s offices. • Phone: By calling the unified customer service, where the complaint is recorded and the customer is provided with a reference number for follow-up. **Sample Complaint Letter to the Central Bank** To make the complaint form convincing, it must include the full details of the complainant, the problem details, and the final request. In the name of Allah, the Most Gracious, the Most Merciful His Excellency the Governor of the Saudi Central Bank, may God preserve him Peace, mercy, and blessings of Allah be upon you, and after, I present to your esteemed position this complaint against [name of bank/finance company], due to [description of the problem: such as unjustified deduction / refusal of financing / fraud]. Despite my attempts to communicate with the concerned authority, no solution has been found so far. I hope your esteemed position will kindly review the complaint and take the necessary measures according to the regulations. Applicant: [Full name] ID number: [] Mobile number: [] Signature: __________ **Complaint about Fraud** Financial fraud cases are among the most serious issues faced by customers in their banking dealings or with finance and insurance companies, and for this, the Saudi Central Bank (SAMA) has established precise mechanisms to handle any fraud complaints received, to ensure the protection of citizens and recover their rights as much as possible. **Most prominent cases of financial fraud received by the Central Bank:** • Fraud via bank cards: such as unauthorized withdrawal or purchase. • Electronic fraud: such as hacking bank accounts or using fake applications. • Fake loans and financing: deceiving the customer into believing there is financing or financial facilities in exchange for prepayment. • Scams through unlicensed companies: dealing with entities claiming to be licensed by the Central Bank while they are not officially registered. **Immediate procedures required upon discovering fraud:** 1. Stop the service immediately: the customer must inform the bank or financial entity immediately to stop the affected card or account. 2. Submit an official report to security authorities: in case of a scam or financial theft. 3. Raise a complaint to the Central Bank: via the "SAMA Taham" website or by drafting an official complaint form to the Central Bank including details of the incident and available evidence. 4. Attach documents: such as account statements, transfer messages, or any evidence proving the fraud to raise a complaint through the Central Bank. **What does the Central Bank do in these cases?** • It studies the complaint and verifies its details with the concerned bank or company. • It obliges the financial entity to clarify its position and refund amounts if an error or violation is proven. • It refers some cases to security authorities if linked to organized scams or fraud. **Important note:** The role of the Central Bank is regulatory and supervisory, so it is essential to combine submitting a complaint through it with filing an official report at police stations or via "Absher" when experiencing financial fraud. **Inquiring about SAMA complaints** After submitting a complaint to the Central Bank via the website, application, or even in paper form, the customer may need to follow up on their request and ensure the processing is ongoing; therefore, the Saudi Central Bank (SAMA) provides more than one way to inquire easily and transparently. Additionally, those affected by banking obligations can submit a request for partial or full exemption from the loan via the "Bank Taseel" exemption request. **How to follow up on the complaint electronically:** • Log in to the SAMA Taham platform via the website or application. • Enter your ID number and the reference number obtained when submitting the complaint. • Check the status of the request: under review – processed – closed with response. This method is the fastest, providing the customer with the ability to follow up on the complaint’s developments without needing to call or visit. **Contact numbers and customer service:** • SAMA’s unified number: 8001256666 • Email: info@sama.gov.sa • Branch visits: You can visit the nearest SAMA branch and inquire directly. **Important note:** SAMA does not provide any follow-up services through unofficial means such as WhatsApp or social media platforms; only rely on official channels. **Frequently Asked Questions (FAQ)** 1. How do I raise a complaint to the Central Bank? Through the "SAMA Taham" platform or the official application by entering your data and complaint details with attachments. 2. How do I recover an amount from the Central Bank? By submitting an official complaint with evidence, and SAMA obligates the financial entity to refund if an error is proven. 3. How can I submit a financial complaint? Either electronically via the website or in paper by drafting a complaint form to the Central Bank and submitting it to the institution. 4. What is the maximum permissible salary deduction? The maximum deduction from the salary is 33% for personal loans and 25% for retirees. 5. How can I electronically file a complaint of online scam and fraud in Saudi Arabia? By stopping the service immediately, then raising a report via "Absher," and submitting a complaint to the Central Bank with evidence. 6. What are the conditions for obtaining a personal loan from the Central Bank? The loan must be from a licensed entity, with adherence to the legal deduction percentage and having a stable income. In conclusion, if you are looking for a sample complaint letter to the Central Bank or an official complaint form that helps you present your issue clearly and convincingly, we at "Al-Qalam Al-Saudi" provide a dedicated service for writing your case accurately, delivering your letter within only 24 hours, with unlimited revisions until you are fully satisfied with the formulation. Contact us now and rest assured that your complaint is written professionally and meets all official requirements. **Important note for the customer** Our service is limited to writing and formulating complaint letters to the Central Bank or other official entities only, with the option to deliver the letter to you or send it via Saudi Express mail if desired. We do not provide complaint submission services via electronic platforms or follow-up after delivery; our role ends with providing you a professionally written official letter ready for submission.