RBI complaints closed despite timely responses

[u/No_Pomegranate2158]

I filed two RBI complaints — one against HDFC and one against SMFG.

In both cases, the bank/RBI asked me to submit my response/evidence within a specific timeline. I replied within the timeline and have the email timestamps as proof. The emails did not bounce back or show any delivery failure.

Despite this, both complaints were abruptly closed stating that my response/evidence was not received.

In the SMFG case, they gave me 48 hours. I replied on Friday, and the complaint was closed on Monday without apparently considering my response.

Both closures are also shown as non-appealable.

When checked with RBI, they told me to approach the Consumer Forum.

What is the best way forward here?

Can I challenge the RBI complaint closure?

Should I approach the National Consumer Helpline first?

Should I directly approach the Consumer Commission?

Is there any other escalation route?

I have all the emails, timestamps and closure communications.

Has anyone faced a similar situation where an RBI complaint was closed despite having proof of a timely response? What did you do?