Bank recovery agent harassing you

What you need to know

RBI Fair Practices Code prohibits recovery agents from using intimidation, threats, or contacting you at odd hours. File complaint with RBI Ombudsman and police.

Your rights

Be contacted only between 7am–7pm

No threats, intimidation, or public humiliation

RBI Ombudsman complaint against the bank

Police FIR against the recovery agent

What you should do now

Action first

Document harassment and complain to bank

Record calls, save messages, note times (before 7am / after 7pm is itself a violation)
Write to bank's grievance officer citing RBI Fair Practices Code
Demand agent is stopped from contacting you

If harassment continues

File RBI Banking Ombudsman complaint at cms.rbi.org.in
Also file police FIR for criminal intimidation if physical threats involved

Acts applicable

RBI Guidelines

central

Fair Practices Code — Recovery agent conduct

Indian Penal Code

central

Section 503 — Criminal intimidation

Where to complain

RBI Banking Ombudsman Gujarat Police — File Complaint

Consumer complaint portal: e-jagriti.gov.in (replaced edaakhil.nic.in as of Jan 2025). Labour complaints: col.gujarat.gov.in. All links verified June 2026 via web search against official government sources.