RBC Complaint Letter Template (Canada)

Having issues with unexpected fees, billing errors, or service problems with RBC Royal Bank? This page provides a structured RBC complaint letter template you can adapt to your situation. Generate a customized version with the free Dispute Letter Generator.

If your issue is not resolved after using this letter, you may be able to escalate your complaint to the Ombudsman for Banking Services and Investments (OBSI), after first giving RBC a chance to respond through their internal complaint process.

Generate Your RBC Complaint Letter

When to Use This RBC Complaint Letter

  • Incorrect or unexpected fees on your RBC account
  • Disputes over credit card charges or interest calculations
  • Mortgage payment processing errors
  • RBC rewards points not credited or improperly deducted
  • Unauthorized transactions or account activity
  • Investment account issues or trading errors
  • Service quality problems with RBC branches or online banking
  • Disputes over loan terms or rate changes

For a broader overview of available templates, see the Dispute Letter Templates hub or the general Bank Fee Dispute Letter template.

RBC Complaint Letter Example

You can copy and adapt this example for your RBC dispute, or use it as a starting point in the generator.

[Your Name]
[Your Address]
[City, Province, Postal Code]
[Email Address]
[Phone Number]

[Date]

RBC Royal Bank
Client Care Centre
P.O. Box 1
Royal Bank Plaza
Toronto, ON M5J 2J5

Re: Complaint – RBC Account [Account Number]

Dear RBC Client Care,

I am writing to formally dispute certain charges/issues on my RBC account [account number]. I am a customer in [province].

The following issue(s) require your attention:

- Date: [date], Amount: $[amount], Description: [description of the fee or issue]
- Date: [date], Amount: $[amount], Description: [description of the fee or issue]

On [date], I contacted RBC customer service by [phone/in-branch/online] to discuss this matter, but the issue remains unresolved. Based on my understanding of my account terms:

- [Brief explanation of why the charges are incorrect or why you believe the issue should be resolved in your favour.]

In light of this, I request that you:

1. Review my account and transaction history for the period in question; and
2. Reverse the disputed charges in the total amount of $[total disputed amount], or provide a clear written explanation of why they are valid.

Please confirm the outcome of your review in writing within 14 business days. If we are unable to resolve this matter directly, I understand that I may refer the dispute to the Ombudsman for Banking Services and Investments (OBSI).

I have attached copies of relevant statements and correspondence for your reference.

Thank you for your attention to this matter.

Sincerely,

[Your Name]

How to Escalate an RBC Complaint

Step 1: Contact RBC Directly

Start by contacting RBC customer service through their website, mobile app, by phone, or in-branch. Document the date, time, and what was discussed. Keep reference numbers for all interactions.

Step 2: Send a Written Complaint

If initial contact doesn't resolve your issue, send a formal written complaint using the template above. This creates a paper trail and often receives more attention.

Step 3: Escalate to RBC Client Care

If standard customer service can't help, escalate your complaint to RBC's Client Care team. They handle complex or unresolved customer issues.

Step 4: Contact RBC Office of the Ombudsman

If your complaint is not resolved by Client Care, you can escalate to RBC's internal Ombudsman office. They provide an independent review within the bank.

Step 5: File with OBSI

If RBC hasn't resolved your complaint after 90 days, or if you receive a final response you disagree with, you can file a complaint with the Ombudsman for Banking Services and Investments (OBSI). OBSI is a free, independent dispute resolution service for banking and investment complaints in Canada. Visit obsi.ca to file online.

Step 6: FCAC (for Regulatory Issues)

The Financial Consumer Agency of Canada (FCAC) regulates banks and ensures they comply with consumer protection measures. While FCAC doesn't resolve individual disputes, you can file a complaint about potential regulatory violations.

Your Rights as an RBC Customer

As an RBC customer, you are protected by federal banking regulations and RBC's obligations under the Bank Act. Banks must:

  • Provide clear disclosure of fees and account terms
  • Have an internal complaint handling process
  • Respond to complaints within specific timeframes
  • Provide you with information about external dispute resolution (OBSI)
  • Not charge fees without proper disclosure

This information is general in nature and does not constitute legal advice.

Common RBC Complaint Issues

  • Monthly account fees: Unexpected or improperly waived fees on chequing/savings accounts
  • Credit card charges: Disputed transactions, annual fees, or interest calculation errors
  • Mortgage issues: Payment processing errors, rate discrepancies, or prepayment penalties
  • NSF and overdraft fees: Fees charged despite having funds or overdraft protection
  • Investment account problems: Trading errors, fee disclosures, or unsuitable recommendations
  • Foreign exchange fees: Unexpected currency conversion charges
  • RBC Rewards issues: Points not credited or redeemed incorrectly
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Related Letter Templates

This tool provides general information and document templates, not legal advice. RBC Royal Bank is a registered trademark of Royal Bank of Canada. DisputeLetter.ca is not affiliated with RBC.