Question

If an institution fails to provide a service that it has no legal, regulatory, or contractual obligation to offer, can this failure be labeled a "deficiency in service"? 

A Yes, because any customer dissatisfaction is a deficiency.
B No, because a deficiency applies only to services the entity is required to provide statutorily or otherwise.
C Yes, but only if the customer files the complaint within 10 days.
D No, unless the dispute amount involves more than ₹10 Lakhs.
E Yes, because all financial actions are automatically covered.
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