Customers may be dissatisfied with their Financial Services (FS) provider concerning:

• Products
• Services
• Staff
• Or with the handling of complaints.

This dissatisfaction may occur in many different types of financial services:

• Financial advice
• Loans and credit
• Insurance 
• Deposits and payments
• Superannuation

Some examples:

• Fees, charges, premiums or commissions were incorrectly applied or calculated;
• The advice given to you was inappropriate, insufficient or not in your best interests; 
• Instructions were not followed;
• Decisions that your financial firm has made;
• Transactions that were incorrect, unauthorised, or mistaken payments;
• Information that was not disclosed about a product or was misleading or incorrect; 
• Financial difficulties and you are unable to make repayments; and
• Privacy and confidentiality breaches.