If recovery agents are threatening you, calling at odd hours or contacting your family, you can — and should — complain. This guide walks you through the process in the right order.

Step 1: Collect evidence

  • Call log: date, time, number and a one-line summary of each call.
  • Recordings: if your phone allows call recording, keep the files safely backed up.
  • Screenshots of SMS, WhatsApp and social media messages.
  • Visit details: names, ID shown, time, and any witnesses.
  • Your loan details: lender name and the last four digits of the account.

Step 2: Write to the lender

Every regulated lender must have a Grievance Redressal Officer. Find their email address on the lender’s website (look for “Grievance redressal”) and send a written complaint describing what happened, with your evidence attached.

Use our free complaint letter generator — it creates a firm, structured letter based on the RBI’s rules that you can copy or download. Nothing you type is sent to us.

Keep the complaint or ticket number you receive.

Step 3: Escalate to the RBI Integrated Ombudsman

If the lender doesn’t reply within 30 days, or you are not satisfied with the reply, you can file a complaint online at cms.rbi.org.in. Attach your original complaint, the lender’s reply (if any) and your evidence. The service is free.

Step 4: Police and cyber crime reporting

Don’t wait for the lender if you face:

  • threats of physical harm;
  • threats to share, or actual sharing of, your photos or personal data; or
  • extortion or fake legal threats from unknown numbers.

File a police complaint, and report online crimes at cybercrime.gov.in or helpline 1930.

Step 5: Deal with the debt itself

A complaint stops unlawful behaviour — it doesn’t make the debt go away. Once the pressure eases, look at your options: restructuring, a repayment plan or a negotiated settlement. If you would like help with both the harassment and the debt, talk to us.

General information only, not legal advice.