evidence: Many cases like this indicate that the system is being mocked/cheated and gullible customers are harassed, misdirected as entities have no fear of getting punished by the regulator [the Enforcement Department (RBI), DoS (RBI)] who do not look at them if directly received from consumers. CEPD, RBI earlier used to forward cases to BO now under centralized set us its role is not clear. CPGRAMS channel of grievance redressal ultimately operates through cms.CEPD (nobody will spend time to reach the channel of a civil suit or PIL). These grievances will continue. [...] Such matters should be actively taken up by consumer organizations with EFD (RBI) as Integrated Ombudsman, CPGRAMS (ultimately operates through cms-CEPD), as individuals cannot spend inordinate time, money on PILs and waste the time of judicial machinery on this. [...] CPGRAMS (GoI portal) is a faster mechanism than Ombudsman as a normal decision is received within 10 days (actually cms. CEPD (RBI) coordinates the matter) and may continue to be faster in the redressal of individual’s grievances even under Integrated Ombudsman regime