Complaint letter against recovery agent harassment

Date: [Date]

To,
The Grievance Redressal Officer
[Lender name]

Subject: Complaint against harassment by recovery agents — account [last 4 digits of loan/card account]

Dear Sir/Madam,

I am writing to formally complain about the conduct of recovery agents acting on behalf of [Lender name] in connection with my account [last 4 digits of loan/card account].

The recovery agents have been:
[Describe what the recovery agents have done]

This conduct is contrary to the Reserve Bank of India's Fair Practices Code and its directions on the conduct of recovery agents, which prohibit intimidation or harassment of any kind, calls before 8:00 a.m. or after 7:00 p.m., and actions that humiliate borrowers or intrude upon the privacy of their family members, referees and friends. As the lender, [Lender name] is responsible for the actions of the agents it engages.

I request that you:
1. Immediately instruct your recovery agents to stop this conduct;
2. Investigate this complaint and share the outcome with me in writing; and
3. Ensure that all further communication about this account is made in writing or through my authorised representative.

I am willing to discuss the account in a fair and lawful manner. If this complaint is not resolved within 30 days, I will escalate it to the Reserve Bank of India under the Integrated Ombudsman Scheme.

I have kept records of the calls and messages and can share them on request.

Yours faithfully,
[Your full name]
[Mobile number]
[Email address]