COMPLAINT ABOUT RECOVERY AGENT HARASSMENT
Complaint to the lender about the conduct of its recovery agents
Date: 1 April 2026, at Ludhiana
I am sending this by registered post with acknowledgement due. I am also emailing a copy to grievance@capitalhome.example.com.
To: The Grievance Redressal Officer, Capital Home Finance Ltd, SCO 42, Sector 17-C, Chandigarh 160017
From: Gurpreet Singh Dhillon, House No. 88, Urban Estate Phase 2, Patiala 147002 (email gurpreet.dhillon@example.com, telephone +91 98150 47731)
Subject: Harassment by recovery agents on loan account ending 4471
Sir or Madam,
- 1. My loan. This complaint concerns my personal loan account ending 4471, sanctioned in March 2026. I am paying the loan as agreed.
- 2. Who is contacting me. Two men who gave their names as Ramesh and Vikram, calling from 98765 43210 and 98765 43211, saying they work for ABC Collections
- 3. What has been done and said. From 3 November 2026 they phoned me 8 to 10 times a day, including at 9:40 pm and 6:10 am. On 7 November one of them said he would tell my employer and my neighbours that I was a cheat. On 9 November two men came to my house and shouted at the gate. Third parties were also contacted: They phoned my brother on 8 November 2026 and told him I had defaulted on a loan.
- 4. What I have already told you. I called the branch on 5 and 8 November 2026 and asked that the calls stop. Complaint number 77120 was given on the second call, with no action. I have also made a police complaint: a written complaint to the Station House Officer, Sector 17 police station, on 10 November 2026.
- 5. Why I complain. A lender answers for the agents it uses to recover its dues. Abuse, threats, calls at unreasonable hours, and telling my family, employer or neighbours about my loan are not a lawful way to recover money, and are against the fair practices the Reserve Bank expects of the lenders it regulates.
- 6. What I require. Please, within seven days of receiving this complaint: (a) stop the conduct described above and instruct your agents to do so; (b) contact me only by the means and at the hours the Reserve Bank's directions and your own code allow; (c) tell me in writing the name of every agent or agency authorised to contact me about this loan, and send me their authority; (d) not contact my family, employer or neighbours about this loan; and (e) reply to me in writing, stating what you have done and the name of the officer handling this.
- 7. If it continues. If the conduct does not stop, I will report it to the police, since threats and intimidation can be offences, and I will complain to the Reserve Bank's Ombudsman and, if needed, to the District Consumer Commission, and I will ask for compensation for the harassment. This letter does not waive any of my rights.