Circle Alliance Bank

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Concerns / Complaints

Making a Complaint

If you have a concern or an issue that needs to be addressed, please let us know. We have a process in place to help resolve issues quickly and effectively. We welcome the opportunity to discuss your concerns with you. You can make a complaint at any CIRCLE Alliance Bank branch, in writing, by email This email address is being protected from spambots. You need JavaScript enabled to view it., or by calling us in business hours on 1300 553 582. 

Complaint and Dispute Resolution Service Steps

Step 1: How to make a complaint

In most circumstances, your complaint can be settled to your satisfaction by simply making us aware of it. If the staff member is unable, by reasons of authority or experience, to handle the matter, they will refer your complaint to a more senior or experienced person. In the great majority of cases at this stage, your complaint will be dealt with promptly and to your satisfaction and you will not need additional assistance. You can raise these complaints with our staff verbally over the counter or by:

Phone: 1300 553 582
Fax: 1300 553 523
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Post: Complaints Officer, Circle Mutual Ltd, PO Box 135, Deer Park. VIC 3023

Step 2: Recording your complaint

All complaints and disputes will be recorded in our Complaint and Dispute Register. Where a complaint cannot be resolved to your satisfaction immediately, it may be necessary for you to answer some questions and complete a Complaint Resolution Form in order that Circle’s management may properly investigate the complaint. The staff member, when required, will assist you with registering your complaint/dispute. When receiving a verbal complaint, the staff member will complete the details of the complaint in the Register on your behalf. The staff member will then read the details of the complaint to you and obtain your consent to its accuracy.

Step 3: Complaint notification

Where the staff member cannot immediately settle the complaint/dispute, we will acknowledge receipt of it to you, in writing, within 2 working days. We will also advise you, in writing, of the procedures for investigating and handling your complaint/dispute. On settlement of the complaint, you will again be informed, in writing, of the outcome.

Step 4: Dispute investigation

If you were unhappy with the outcome or your complaint, or are unhappy with the time being taken or any part of the process, you may then ask for your dispute to be investigated fully by the Dispute Resolution Officer, who will review your case independently, and make a decision on the matter. Contact details are:

Phone: 1300 553 582
Fax: 1300 553 523
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Post: Dispute Resolution Officer, Circle Mutual Ltd, PO Box 135, Deer Park. VIC 3023

Step 5: How you will be informed of the outcome

In the majority of cases, you will be advised of the outcome, in writing, within 21working days. Should there be exceptional circumstances causing a delay, we will advise you. Even in the most complex matters, the dispute should be resolved in a maximum of 30 working days.

Step 6: The Customer Feedback Team

If you want to raise a complaint directly with Bendigo Bank, you can contact our dedicated Customer Feedback Team which represents you. They’ll listen to your concerns and work within the bank for lasting, positive change.

Here’s how you can contact them:

Phone 1300 361 911 (or +61 3 5485 7911 from overseas) between 8:30am and 5pm (AEST) on weekdays

Email This email address is being protected from spambots. You need JavaScript enabled to view it.

Write to Reply Paid 480, Bendigo, VIC 3552

Step 7: Escalating a complaint

If you’re dissatisfied with the response provided by our Customer Feedback Team you have the option of referring the matter to the External Dispute Resolution (EDR) scheme.

Australian Financial Complaints Authority

We are a member of the Australian Financial Complaints Authority (AFCA)

You can contact AFCA at:

Phone 1800 931 678
Email This email address is being protected from spambots. You need JavaScript enabled to view it.
Visit afca.org.au
Write to GPO Box 3, Melbourne VIC 3001.

You should act promptly as time limits apply. Visit the AFCA website to find out more.

If your complaint relates to how we handle your personal information you can also contact:

Office of the Australian Information Commissioner

GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
www.oaic.gov.au

For additional information, please see the Bendigo Bank Policy on Customer Feedback Management, which is supported by detailed procedures covering the approach, responsibilities, monitoring, reporting and improvement of the customer experience.

Step 8: Circle’s response

Circle’s Internal Dispute Register will be updated showing the result and, wherever appropriate, our policies, systems and procedures will be adjusted and staff counselled or provided with additional training.

Customer Feedback Management 

Our Customer Feedback Management policy is supported by detailed procedures covering approach, responsibilities, monitoring, improving the customer experience and reporting.

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