Facing harassment? Here's what to do.
Clear steps to protect yourself and file a complaint, and we're one call away.
Being harassed right now?
- Stay calm and don't pay under threat
- Ask the agent for their ID card and authorisation letter
- Record calls and save every message
- For physical threats, call the police on 112
Take Action
File a Complaint in 4 Steps
Stuck at any step? Call us and we'll walk you through it.
- 1
Document everything
Note dates, times, phone numbers and names. Save call recordings, SMS, WhatsApp messages and screenshots.
- 2
Complain to your lender
Write to the bank, NBFC or loan app's Grievance Redressal Officer by email or letter. Keep the reference number.
- 3
Escalate to the RBI
No reply in 30 days, or unhappy with it? File a free complaint on the RBI portal at cms.rbi.org.in.
- 4
Police for threats
For physical threats, criminal intimidation or extortion, file a police complaint right away. Your safety comes first.
FAQs
Frequently Asked Questions
Does AIFBF charge for help?
Call our helpline to understand how we can support you. Filing a complaint with the RBI Ombudsman is completely free, and nobody should ask you for money to file it.
A loan app is threatening to send my photos to my contacts. What do I do?
Do not pay under pressure. Take screenshots of every message, report it on cybercrime.gov.in or call 1930, file a police complaint, and call our helpline. Check whether the lender is registered with the RBI.
Can a recovery agent come to my home at night?
No. Under RBI rules agents should visit only between 8 a.m. and 7 p.m., unless you asked for another time. They must carry an ID card and an authorisation letter from the lender.
I can't pay my EMIs because I lost my job or fell ill. What are my options?
Speak to your lender early. Ask in writing about restructuring, an EMI holiday, a longer tenure or a one-time settlement. We can help you prepare for that conversation.
How do I file a complaint with the RBI?
First complain to your lender in writing. If there's no reply within 30 days, or the reply is unsatisfactory, file at cms.rbi.org.in, email crpc@rbi.org.in, or call the RBI contact centre on 14448.
Make a Difference
Facing loan stress or harassment? Don't suffer in silence. One call to AIFBF can help you understand your rights and your options.