1. Complain directly to the bank: You can call the bank’s customer service number, explain the situation to the customer service staff and file a complaint.

2. Complain to the bank headquarters: If you are not satisfied with the response of the bank customer service department, or think that the customer service department failed to solve the problem, you can complain to the bank headquarters. Generally speaking, complaints from the bank headquarters Channels include email, phone calls and letters.

3. Complain to the bank regulatory agency: If you believe that the bank's behavior is suspected of being illegal or in violation of regulations, you can complain to the bank's regulatory agency. For example, regulatory agencies such as the China Banking and Insurance Regulatory Commission and the People's Bank of China have complaint channels.

4. Protect your rights through a lawyer or a consumer rights protection organization: If you believe that the bank's behavior has violated your legitimate rights and interests, you can protect your rights through a lawyer or a consumer rights protection organization.