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Complaint to a bank before the regulator (Moldova)
Moldova · in Romanian · for consumers
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The complaint in which a bank customer in Moldova disputes a fee, a payment, a blocked card or account or a loan term and asks for a solution: the product, the facts and the result sought. Under the National Commission for Financial Markets' regulation in force from 1 October 2026, the bank gives a reasoned answer within 15 working days; after that the customer may turn to the Commission (CNPF). It is handed in at a branch for registration or sent by registered post.
- Made for use in Moldova
- Last updated November 3, 2026
Published byDocMuse
When to use this document
- My bank in Moldova has blocked my card and will not tell me why.
- I was charged a fee I never agreed to and want the money back.
- My bank works out the interest on my loan differently from what the contract says.
- I want to write to the bank first so that I can then go to the National Commission for Financial Markets.
What you fill in
The details the document asks for.
- City
- Date
- Customer
- Customer's address
- Bank
- Bank's address
- Product or contract (account, card, loan)
- What the complaint is about
- Requested outcome
- Attachments
Common questions
- How long does a bank in Moldova have to answer a complaint?
- From 1 October 2026, the National Commission for Financial Markets' regulation on complaints requires the providers it supervises, including banks, insurers and non-bank lenders, to give a reasoned answer within 15 working days, explaining the solution adopted. Keep your copy with the registration number: the period runs from receipt.
- Who protects a bank customer in Moldova if the complaint to the bank fails?
- The National Commission for Financial Markets (CNPF), which has held the mandate to protect consumers of financial services since 1 July 2023 (Law no. 175/2023), and for bank customers since 1 January 2024. The CNPF asks for the complaint to be made to the provider first; with the bank's answer, or once the period has passed, you can turn to the CNPF, attaching the complaint and the answer. The court remains open.
- What should be done about a card payment that was never authorised?
- Block the card and tell the bank without delay, and at the latest within 13 months of the debit, as art. 56 of Law no. 114/2012 on payment services and electronic money requires. Confirm a phone call in writing with the list of disputed transactions. This complaint suits the other disputes with a bank, such as fees or a blocked account.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
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