Complaint to the KNF Office
KNF Office receives signals about irregularities in operations of the supervised entities. Gathered information is used by KNF Office to analyse market practices and, as a consequence, to take actions in order to eliminate possible legal violations and/ or infringements of clients’ rights. KNF Office does not consider the merits of the reported issues and does not take a stance in individual cases being complained about.
NOTE! It is possible to consult with a person responsible for the given case by calling at (0-22) 26 24 054 on Tuesdays and Thursdays from 10 a.m. to 1 p.m.
Please direct all signals about any irregularities in operation of the entities supervised by KNF to the Customer Protection Department:
1) in writing:
- by regular mail to the following address: Pl. Powstańców Warszawy 1, 00-950 Warszawa
- personally at the office of PFSA Office (see address above)
2) by e-mail: list of available forms →
NOTE! In case of complaints filed by persons acting as proxies of natural persons or as persons acting on behalf of other clients of the supervised entities not being natural persons, the complaint may be filed only in writing by regular mail or personally at the office of PFSA Office; the complaint needs to be enclosed with the original of the power of attorney or another document granting relevant authorisation or certified copies thereof.
Any reports on irregularities enclosed with relevant documents providing details of the case should be also filed using regular mail.
Complaint to Insurance Ombudsman
Complaints regarding insurance companies, open pension funds and membership in employee pension plans can be also filed to the Insurance Ombudsman.
Contact details of the Insurance Ombudsman Office:
Al. Jerozolimskie 44,
phone: (0-22) 333 73 26, (0-22) 333 73 27, (0-22) 333 73 28
fax: (0-22) 333 73 29
Experts of the Insurance Ombudsman Office work on duty. Further information is available in the Internet service of the Insurance Ombudsman →
Complaints against insurers subject to supervision by European Union Member States
Below you will find information about the possibility of filing a complaint against insurers and/ or insurance intermediaries subject to supervision by the European Union Member States.
The manner and mode of filing consumer complaints against the insurance market entities – EIOPA website →
Conciliatory dispute resolution
1) Conciliatory Court at PFSA
There is a Conciliatory Court at KNF. It settles the disputes between financial institutions and between those institutions and financial services’ beneficiaries provided that both parties agree for the dispute to be settled by the Conciliatory Court. Prior to instigating the actual conciliatory proceedings the parties may turn to mediation to settle the dispute amicably.
Further information on the Conciliatory Court at KNF →
2) Conciliatory Court at Insurance Ombudsman
There is a Conciliatory Court at Insurance Ombudsman which settles disputes between the insuring parties, the insured, beneficiaries or persons authorised under insurance agreements and insurance companies, between pension societies and members thereof and the disputes related to membership in employee pension plans.
As in the case of the Conciliatory Court at KNF, the consent of both parties is a prerequisite for the Conciliatory Court at Insurance Ombudsman to be able to settle the dispute. Hence, if one of the parties files a motion for the dispute to be settled by the Conciliatory Court and the other party does not consent thereto, the proceedings cannot be instigated.
Further information on the Conciliatory Court at Insurance Ombudsman →
In the individual cases consumers have a possibility to obtain free legal advice from the municipal or county Consumer Ombudsman or from one of consumer organisations funded from the state budget – the Consumer Federation (http://www.federacja-konsumentow.org.pl/) or the Polish Consumer Association (http://www.skp.pl/). You will find there free legal advice and you may consult your case with experts on on-call duty – it also applies to financial services provided by banks, insurers and other financial institutions.
Further information -- the Office of Competition and Consumer Protection →