Dissatisfied With Any of Our Product or Services? 

Stage 1 : Lodge A Complaint

 

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    Step 2: Receive a written acknowledgement within 1 business day

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    Step 3: Case details

    • Simple cases: Please allow a response up to 5 days

    These are straightforward issues that can be resolved quickly without the  need for extensive review

    • Complex cases: Please allow a response up to 20 business days*

    These issues necessitate a more thorough analysis and detailed assessment 

    *The response time may vary based on the nature and complexity of the case, especially when third-party information or documentation is needed                           

Stage 2 : Options To Seek Redress

 

Follow these steps in the event of disagreement with FSP's final decision

A. Case falls under Financial Market Ombudsman Service (FMOS)1 jurisdiction

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    Step 1: Lodge at FMOS

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    Step 2: If you disagree with the decision by FMOS or BNM LINK

    • Refer case to court for civil action

B. Case does not fall within Financial Market Ombudsman Service (FMOS)1 jurisdiction

i) Beyond monetary limit

If FSP and complainant agree for case to be handled by FMOS

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    Step 1: Lodge at FMOS

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    Step 2: If you disagree with the decision by FMOS or BNM LINK

    • Refer case to court for civil action

Either FSP or complainant disagrees for case to be handled by FMOS

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    Step 1: Lodge at BNM LINK

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    Step 2: If you disagree with the decision by FMOS or BNM LINK

    • Refer case to court for civil action

ii) Outside of FMOS' scope

Either FSP or complainant disagrees for case to be handled by FMOS

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    Step 1: Lodge at BNM LINK

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    Step 2: If you disagree with the decision by FMOS or BNM LINK

    • Refer case to court for civil action

1FMOS, appointed by Bank Negara Malaysia and the Securities Commission Malaysia, offers free, independent, and Impartial dispute resolution services for financial consumers and investors, focusing on financial and capital market disputes involving direct financial losses.

Services

Financial Markets Ombudsman Service (FMOS)

(Formerly known as Ombudsman for Financial Services)

FMOS, appointed by BNM, offers free, independent, and impartial dispute resolution services for financial consumers and investors, focusing on financial disputes involving direct financial losses.

Any person not satisfied with the decision of the insurer can refer to the Ombudsman for Financial Services (OFS), if the final decision of the insurer was made within six months and the claim amount is up to RM 250,000.00.

Submit a Complaint: Complaint Handling Portal

Address:

Level 14, Main Block,
Menara Takaful Malaysia
No.4, Jalan Sultan, Sulaiman,
50000, Kuala Lumpur

Telephone: +603-2272 2811

Website: FMOS - Financial Markets Ombudsman Service

Bank Negara Malaysia

If the final claim decision was made more than six months ago and/or the claim amount is above RM 250,000.00, please refer to BNMLINK, Jabatan LINK & Pejabat Wilayah, of Bank Negara Islam (BNM)

Submit a Complaint (e-LINK Form): eLINK

Address:

BNMLINK, Jabatan LINK & Pejabat Wilayah BNM
4th Floor, Podium Bangunan AICB
No.10, Jalan Dato' Onn
50480 Kuala Lumpur

Telephone:

  • Local: 1-300-88-5465 (BNMLINK)
  • Overseas: +603-2174-1717

Website: Home - Bank Negara Malaysia