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Had an issue with Aware Super? Get a real response.
How to submit a complaint with Aware Super
You can lodge a complaint with Aware Super using the method that suits you best. Complaints can be made by members, former members, beneficiaries, or anyone impacted by Aware Super’s services.
- Call Aware Super on 1300 650 873 (Monday to Friday, 8:00am–7:00pm AEST) and tell the consultant you want to make a formal complaint. Many issues can be resolved during the call, and more complex matters will be logged for investigation.
- Submit a complaint using Aware Super’s online complaint form. Provide clear details about what happened, when it happened, and the outcome you want so the complaints team can assess it quickly.
- Email the Complaints Officer with a written complaint. Clearly state that your message is a formal complaint and include your member details, contact information, and a full description of the issue.
- Send your complaint by post if you prefer to write or need to include physical documents. Mark the envelope and letter as a complaint so it is handled correctly.
- Raise your concern in person if you already have an appointment or are attending an Aware Super event. Staff can guide you to the correct formal complaint channel.
To avoid delays, include your full name, member number, contact details, relevant dates, and any supporting documents when you submit your complaint.
Aware Super aims to acknowledge complaints within one business day, or as soon as practicable. If you call, this may happen during the same conversation. If you submit a complaint online, by email, or by post, you should receive an acknowledgment with a reference number.
After acknowledgment, Aware Super will review your complaint to see if it can be resolved quickly. Some straightforward issues are resolved within a few business days without needing a formal written outcome.
If your complaint requires investigation, it will be handled by a specialist complaints team or a designated case manager. They may review account records, transaction history, and internal processes, and they may contact you if further information is needed.
Maximum timeframes depend on the type of complaint:
- Up to 30 days for complaints related to financial advice or privacy.
- Up to 45 days for most superannuation complaints.
- Up to 90 days for death benefit distribution complaints.
If Aware Super cannot meet the applicable timeframe, they should explain the delay and advise you of your right to escalate externally. When the investigation is complete, you will receive a written response explaining the outcome, the reasons for the decision, and what happens next.
Common complaints against Aware Super
Some issues come up more frequently in Aware Super complaints. If your concern fits one of these, it can help to clearly name it in your complaint.
- Customer service delays, including long hold times or slow responses to emails and requests.
- Administrative errors, such as incorrect paperwork, misplaced documents, or issues caused by fund mergers and system changes.
- Delays or difficulties with withdrawals, rollovers, or payments, including repeated identity checks or missing documentation.
- Communication and follow-through problems, such as promised callbacks that do not occur or a lack of updates on progress.
- Complex case handling issues, including death benefits, power of attorney matters, or managing accounts for elderly or incapacitated members.
- Errors related to investment switches or account changes that result in unexpected outcomes.
These issues can usually be addressed through the formal complaints process when they are clearly documented and followed up.
Aware Super complaints submitted through Ajust
How other consumers Aware Super complaints got resolved
A privacy breach combined with a delayed death benefit payment was escalated after the member advised they would involve regulators. Aware Super apologised for the error and expedited the payout once the seriousness of the issue was recognised.
An incorrect investment switch was identified by a member who noticed their account had been moved to the wrong option. After lodging a formal complaint, Aware Super investigated, corrected the error, and compensated the member for the financial impact.
A complaint that stalled after multiple internal escalations was ultimately resolved once the member lodged the issue with AFCA. A senior complaints officer contacted the member, apologised for the delays, and implemented the required fix.
If your complaint is not resolved through initial contact with Aware Super, escalation is a reasonable next step.
- Ask for your complaint to be escalated to a manager or supervisor if you are not making progress.
- Contact the Complaints Officer directly, referencing your complaint number and explaining why you are dissatisfied with the handling or outcome.
- Request that your complaint be treated under Aware Super’s Internal Dispute Resolution process if it has not already been.
- Keep notes of dates, names, and promises made so you can clearly summarise the issue when escalating.
- If Aware Super does not resolve your complaint within the required timeframe, or if you receive a final response you believe is unfair, you can escalate externally.
If you are not satisfied with Aware Super’s final response, or if the complaint is not resolved within the required timeframe, you can contact the Australian Financial Complaints Authority (AFCA). AFCA is an independent and free service that reviews superannuation complaints and can require Aware Super to take action if you accept its decision.
Other regulators may be relevant in specific situations:
- ASIC accepts reports of misconduct or systemic issues in financial services.
- APRA oversees superannuation fund governance and prudential compliance.
- The Office of the Australian Information Commissioner handles unresolved privacy complaints.
- The Australian Taxation Office can assist if your complaint relates to unpaid employer super contributions.
For most individual disputes about super accounts, payments, fees, or insurance in super, AFCA is the primary external pathway for resolution.
- Aware Super make a complaint: https://www.aware.com.au/contact/make-a-complaint
- Aware Super contact page: https://www.aware.com.au/contact
- Aware Super Complaints Officer email: complaints.officer@aware.com.au
- Aware Super Complaints Policy: https://www.aware.com.au/about/governance/policies
- Australian Financial Complaints Authority (AFCA): https://www.afca.org.au
- AFCA superannuation complaints: https://www.afca.org.au/make-a-complaint/superannuation
- ASIC Moneysmart – how to complain: https://moneysmart.gov.au/how-to-complain
- ASIC – reporting misconduct: https://www.asic.gov.au/about-asic/contact-us/reporting-misconduct-to-asic/
- APRA – superannuation information: https://www.apra.gov.au/superannuation
- Office of the Australian Information Commissioner: https://www.oaic.gov.au/privacy/privacy-complaints
- ATO – report unpaid super: https://www.ato.gov.au/calculators-and-tools/super-report-unpaid-super-contributions-from-my-employer
Aware Super Complaints FAQs
You’ve done your part, now it’s time to hold Aware Super accountable.
Take the final step and submit a complaint that gets seen and responded to.