How to Write a Complaint Letter Against Bank Harassment (Templates & Tips)
If you are facing harassment from banks or recovery agents due to unpaid loans, it is important to take action. Banks and financial institutions must follow ethical recovery practices, and any form of harassment is illegal under RBI guidelines.
One of the most effective ways to stop harassment is by writing a formal complaint letter to the bank, RBI, or relevant authorities. In this blog, we will guide you on how to write an effective complaint letter, provide templates, and share tips to protect yourself from illegal recovery tactics.
What is Bank Harassment?
Bank harassment includes unethical recovery practices such as:
❌ Frequent phone calls at odd hours
❌ Threats or abusive language from recovery agents
❌ Repeated visits to your home or workplace
❌ Public shaming or blackmail
❌ Illegal seizure of property
💡 Important: According to RBI guidelines, banks and recovery agents must follow fair collection practices. If you are being harassed, you have the right to file a formal complaint.
Key Elements of a Bank Harassment Complaint Letter
Your letter should include:
✔ Your Name & Contact Details
✔ Loan Account Number (if applicable)
✔ Details of Harassment (dates, calls, visits, threats, etc.)
✔ Names of the Agents or Bank Officials Involved (if known)
✔ Request for Immediate Action & Resolution
✔ Mention of Legal Action (if the harassment continues)
✔ Polite & Professional Tone
Bank Harassment Complaint Letter Templates
Here are some ready-to-use complaint letter templates you can modify based on your situation.
Template 1: Complaint to Bank About Harassment Calls
📩 Subject: Urgent Complaint – Harassment by Bank Recovery Agents
Dear [Bank Manager’s Name],
I am writing to formally report harassment by your bank’s recovery agents regarding my loan account [Loan Number]. I have been receiving excessive and threatening calls at odd hours, causing severe mental distress.
Despite my request to discuss a solution, the agents have used aggressive language and made unreasonable demands. As per RBI guidelines, such actions are unethical and unacceptable.
I kindly request immediate action to stop this harassment and to ensure fair and legal recovery procedures. If the harassment continues, I will be forced to escalate this matter to the Banking Ombudsman and RBI Consumer Grievance Cell.
I appreciate your urgent attention to this matter.
Sincerely,
[Your Name]
[Your Contact Information]
Template 2: Complaint to RBI About Bank Harassment
📩 Subject: Official Complaint Against Bank Harassment – Loan No. [Your Loan Number]
To,
The Reserve Bank of India (RBI)
Consumer Grievance Redressal Cell
Dear Sir/Madam,
I am filing a formal complaint against [Bank Name] for unethical recovery practices and harassment related to my loan account [Loan Number]. Despite my efforts to communicate, the bank’s recovery agents have:
✔ Called me repeatedly at odd hours (before 8 AM and after 9 PM)
✔ Used threatening and abusive language
✔ Visited my home/workplace and caused embarrassment
✔ Pressured me to pay without discussing a repayment solution
As per RBI Fair Practices Code, banks must follow ethical recovery methods. I request RBI’s intervention to stop this harassment and ensure that the bank follows proper legal procedures.
Please take necessary action at the earliest.
Sincerely,
[Your Name]
[Your Contact Information]
Template 3: Legal Notice to Bank for Harassment
📩 Subject: Legal Notice – Harassment by [Bank Name] Recovery Agents
To,
The Legal Department,
[Bank Name]
Dear Sir/Madam,
I am writing to formally serve notice against harassment by your bank’s recovery agents regarding my loan account [Loan Number]. Despite multiple requests to discuss repayment options, I have been subjected to:
❌ Excessive and threatening phone calls
❌ Public shaming by recovery agents
❌ Unlawful pressure tactics at my workplace
As per Section 21 of the Banking Regulation Act, banks must adhere to fair collection practices. If this harassment does not stop immediately, I will be forced to take legal action, including:
✔ Filing a formal complaint with the RBI and the Banking Ombudsman
✔ Seeking legal compensation for mental harassment and distress
✔ Reporting the misconduct to consumer protection agencies
I request an immediate written response confirming that such actions will cease. If I do not receive a resolution within 7 days, I will proceed with legal action.
Sincerely,
[Your Name]
[Your Contact Information]
Tips to Stop Bank Harassment Immediately
📌 Know Your Rights – Banks cannot use illegal methods to recover loans.
📌 Keep a Record of Calls & Messages – Save all call logs, messages, and emails as proof.
📌 File a Complaint with the Bank – Send a formal complaint before escalating to RBI.
📌 Report to the Banking Ombudsman – If the bank does not respond within 30 days, escalate the issue to the Banking Ombudsman at RBI.
📌 Seek Legal Help if Needed – If harassment continues, consult a lawyer and file a legal notice against the bank.
Final Thoughts – Take Action Against Bank Harassment
Bank harassment can cause extreme stress, but you don’t have to suffer in silence. By writing a formal complaint and escalating it to the right authorities, you can stop illegal recovery practices and protect your rights.
At Bank Harassment Protection, we specialize in:
✔ Stopping illegal harassment calls
✔ Filing complaints & legal notices on your behalf
✔ Helping you negotiate fair repayment terms
📞 Call Now: 1800 309 1902
📩 Email Us: info@bankharassment.com
