version: "1.0.0" name: banche-reclami description: Write bank complaints with ABF escalation path. Use when asked reclamo banca, ABF, bank complaint Italy. license: MIT compatibility: Claude Code, Codex, Grok, Cursor, Copilot, Copilot CLI, Gemini, OpenCode, Windsurf metadata: {author: ai-skills-hub, version: "0.3", lang: "en", last_verified: "2026-09-28"} allowed-tools: Read Write argument-hint: "[issue]" user-invocable: true disable-model-invocation: false

Banche Reclami (+ABF)

Bank complaints that escalate: written reclamo first, ABF second.

When to use

• "reclamo banca", "ABF", "bank complaint Italy", "arbitro bancario".
• Do not use for courts (lawyer referral).

Workflow

1. Draft reclamo to bank: facts, dates, account refs (redacted), request, 60-day reply term note.
2. No/unfair reply → ABF: collegio by region, €20 fee note (year-stated), online filing path.
3. Documents: statements, contracts, prior letters — list with status.
4. Output: letter + ABF readiness checklist + timelines.

Rules

• ABF only AFTER bank reclamo (mandatory order).
• Account numbers redacted in drafts (****1234).
• No outcome promises: ABF decides; statistics cited if known with year.

Examples

See examples/reclami-cases.md. ABF path in references/abf.md.

Edge cases

• Fraud/unauthorized ops → immediate block + denuncia + reclamo same day, timelines stressed.
• Closed account → complaint still possible within terms, flag it.
• Intermediary (not bank) → different arbitro (ACF for investments), route correctly.