How to File a Complaint Against Recovery Agents in India

Recovery agents are increasingly being employed by banks and Non-Banking Financial Companies (NBFCs) to collect unpaid debts. While debt recovery is legal, the use of threats, abuse, or coercion by agents is not. If you've experienced NBFC harassment or any form of unlawful recovery pressure, the law is on your side.

In this blog, we explain how to file a recovery agent complaint in India, what the RBI guidelines say, and how AMA Legal Solutions can support you legally.

What Is Recovery Agent Harassment?

Recovery agents are individuals or agencies hired to recover overdue loans or credit card dues. However, some of them engage in:

• Threatening calls or home visits

• Verbal abuse or defamation

• Contacting family or workplace

• Showing up at odd hours

• Physical threats or violence

These are all clear violations of RBI regulations and consumer rights. If you’re facing such behavior, you can and should file a formal recovery agent complaint in India.

RBI Guidelines for Recovery Agents

The Reserve Bank of India (RBI) has laid down clear norms on the conduct of recovery agents. According to the RBI:

• Recovery agents must not use abusive language or intimidation.

• They can only contact you between 7 AM and 7 PM.

• They cannot call relatives or employers without permission.

• Threats of legal action must be genuine, not intimidation.

Violation of these guidelines can result in strict penalties, and you can escalate the matter to the RBI or the police.

Where to File a Recovery Agent Complaint in India?

If you're harassed by a recovery agent, here’s how you can file a complaint:

1. File a Written Complaint with the Bank/NBFC

Start by lodging a written complaint with the concerned bank or NBFC. Mention:

• Loan details

• Agent’s name (if known)

• Nature of harassment

• Dates, times, and recordings/screenshots (if available)

Tip: Send this complaint via email and registered post, and keep a copy for your records.

2. Escalate to RBI (RBI Complaint)

If the NBFC or bank doesn’t respond within 30 days, escalate your case by filing an RBI complaint through the RBI's Integrated Ombudsman Scheme.

Steps:

• Visit: https://cms.rbi.org.in

• -Select “File a Complaint”

• -Choose “NBFC” or “Bank” as applicable

• -Fill in the grievance details

• -Upload supporting documents

• -Submit

You’ll receive a reference number to track your complaint.

3. Approach the Police

Harassment and threats are criminal offenses. If you're facing physical intimidation, stalking, or defamation:

• 1.Visit the nearest police station

• 2.File an FIR under IPC/BNS.

• 3.Seek protection and restraining orders, if necessary

4. Send a Legal Notice via Advocate

Our team at AMA Legal Solutions, Gurugram, can help you draft and send a legal notice to the recovery agent or NBFC. A legal notice serves as a formal warning and strengthens your case for compensation if taken to court.

What to Include in Your Complaint Letter?

Use this checklist to draft an effective complaint:

• 1.Your full name, address, and contact details

• 2.Loan account number

• 3.Dates and time of harassment

• 4.Names or phone numbers of the recovery agent(s)

• 5.Description of the misconduct

• 6.Screenshots, call recordings, or CCTV footage (if any)

• 7.Request for immediate action and acknowledgment

Legal Rights of Borrowers in India

As a borrower, you are protected by Indian law and RBI guidelines. Here’s what you should remember:

• You cannot be arrested for loan default (unless fraud is involved)

• You have a right to privacy and dignity

• You can ask for loan restructuring or settlement

• You have the right to legal representation

Can You Claim Compensation?

Yes. If you've suffered financial or mental trauma due to recovery agent harassment, you can:

• -File a consumer complaint for deficiency in service

• -Seek monetary compensation

• -File a civil suit for damages and defamation

Our experienced lawyers can represent you in consumer forums or civil courts, depending on the nature of your complaint.

Why Choose AMA Legal Solutions?

At AMA Legal Solutions, we’ve helped hundreds of clients fight back against:

✅ Loan recovery harassment
✅ Illegal practices by NBFCs
✅ Credit card collection abuse
✅ Mental trauma from recovery agents

We’re located in Sector-57, Gurugram and specialize in financial and consumer litigation, loan settlements, and RBI complaint resolutions.

📞 Call us now or visit www.amalegalsolutions.com for expert help.

You don’t have to suffer in silence. If you're facing harassment by recovery agents, act now. Filing a recovery agent complaint in India is your legal right — and help is just a call away.

Contact AMA Legal Solutions today for end-to-end legal support, from complaints and notices to compensation claims. We’re committed to protecting your dignity, rights, and peace of mind.

📞 Book a Free Consultation
📍 AMA Legal Solutions, 2493AP, Sector-57, Gurugram
🌐 www.amalegalsolutions.com