In accordance with the provisions of Federal Law No. 123-FZ “On the Ombudsman for the Rights of Consumers of Financial Services” dated 4 June 2018, a consumer of financial services has the right to file a claim against a financial institution in a judicial procedure only after having appealed to the financial ombudsman and having received a decision. This procedure applies to claims for recovery of up to 500,000 rubles.
A consumer of financial services has the right to appeal to the financial ombudsman after having received a response from the financial institution, or if a response from the financial institution has not been received within the applicable response time (see clause 4 of article 16 of Federal Law No. 123-FZ “On the Ombudsman for the Rights of Consumers of Financial Services” dated 4 June 2018). Find more details about how to appeal to the financial ombudsman here: