If you’re experiencing this problem with this brand or any other company, submit your complaint and we may feature it on Choice4Voice.com.
Submit your complaint →Ranajay Chakraverty reported severe harassment and threats from IDFC First Bank recovery agents despite clearing his EMIs on time. Choice4Voice.com examines the incident, legal actions available, and how affected customers can seek justice through consumer and legal forums.
Complaint Summary : IDFC First Bank Harassment Complaint by Ranajay Chakraverty | Recovery Agent Misconduct Reported
| Complainant Name | Ranajay Chakraverty |
|---|---|
| Email ID | rc*****@gmail.com |
| WhatsApp Number | 93*****53 |
| Company/Brand | IDFC First Bank |
| Product/Service | Two-Wheeler Loan |
| Complaint Type | Harassment by Recovery Agents / Mismanagement of Loan Account |
| Order / Service Number | 11210390 |
| Incident Date | 15 September 2025 |
| Location | India |
| Status | Unresolved |
| Complaint Source | Verified submission via Choice4Voice.com |
Detailed Complaint Report
Consumer Mr. Ranajay Chakraverty filed a serious complaint against IDFC First Bank regarding continuous harassment, threats, and misconduct by recovery agents despite having paid all dues on time.
According to Mr. Chakraverty, the issue began when field associates from the bank started visiting his residence at odd hours, even though he had been in constant communication with customer care. These visits allegedly escalated to harassment, verbal abuse, and physical threats.
Allegations Made by the Complainant
- Field officers visited home unannounced and made false payment claims, stating EMI dues of ₹6,339 when no such due existed.
- Threatening behavior and abuse:
- Recovery agents allegedly used abusive language like “aukāt” and other slurs.
- One agent allegedly snatched his phone when he tried to record or take a picture of their ID.
- The complainant was threatened to be thrown off a flyover during one encounter.
- Family harassment: Agents repeatedly visited his home, intimidating his wife and two-year-old child when he was away.
- Fake late fee charges: Despite timely payments, IDFC allegedly imposed unjustified late fees of ₹1,626 for past months.
- Bounce and debit freeze charges: A ₹15,000 deduction was reported as “adjusted charges,” resulting in a debit freeze in his ICICI account.
- Threats on WhatsApp: The complainant shared screenshots where a person claiming to be associated with IDFC used abusive language and threatened to seize vehicles of his relatives.
Company’s Response
According to Mr. Chakraverty, IDFC First Bank responded multiple times with generic, automated emails without addressing the actual threats or financial discrepancies. Even after he escalated the issue to the supervisor escalation team, including Mr. Sagar, no resolution was provided.
Legal Case Can Be Filed
This incident involves multiple violations of customer protection, data privacy, and banking ethics. The following legal actions can be pursued:
| Applicable Legal Case | Description | Where to File |
|---|---|---|
| Consumer Complaint for Harassment and Deficiency in Service | For unprofessional conduct and mental agony caused by recovery agents. | District Consumer Disputes Redressal Commission |
| FIR under IPC Sections 503 & 506 | Criminal intimidation and verbal abuse. | Local Police Station / Online FIR Portal |
| Banking Ombudsman Complaint | For illegal recovery practices and mishandling of accounts. | RBI Ombudsman Portal (https://cms.rbi.org.in) |
| Cyber Crime Complaint | For WhatsApp threats and online harassment. | National Cyber Crime Reporting Portal (https://cybercrime.gov.in) |
| RBI Grievance Redressal | For violation of RBI recovery code of conduct. | RBI Banking Ombudsman |
| Compensation Claim | Under the Consumer Protection Act for mental harassment. | Consumer Forum |
How Choice4Voice.com Can Help
At Choice4Voice.com, we stand with consumers facing harassment, fraud, or negligence from financial institutions.
For cases like this:
- We verify all complaint details and supporting documents.
- Draft professional legal templates for filing complaints with police, RBI, and consumer courts.
- Publish the case publicly to bring awareness and social accountability.
- Guide complainants in filing FIRs and escalation letters with the right authorities.
Choice4Voice.com acts as a public advocacy and escalation platform ensuring your concerns reach the right authorities and the company’s top management.
Authorities and Escalation Portals
| Authority | Purpose | Official Link |
|---|---|---|
| IDFC First Bank Grievance Cell | File official complaint before external escalation. | https://www.idfcfirstbank.com/grievance-redressal |
| RBI Ombudsman | Banking misconduct or harassment. | https://cms.rbi.org.in |
| National Consumer Helpline | Register consumer dispute. | https://consumerhelpline.gov.in |
| Cyber Crime Portal | For WhatsApp or online threats. | https://cybercrime.gov.in |
| Police FIR Portal | To file a criminal complaint for harassment or threats. | https://indiapolice.gov.in |
Pre-Drafted Legal Complaint Templates
1. Police Complaint (FIR) for Harassment
Subject: Threats and Harassment by IDFC First Bank Recovery Agents
To,
The Station House Officer,
[Local Police Station Name],
Respected Sir/Madam,
I, Ranajay Chakraverty, wish to file a complaint against representatives of IDFC First Bank for harassment and criminal intimidation. Despite paying all dues, I was threatened, abused, and followed by recovery agents, causing mental trauma to my family.
I request immediate investigation and protection from further harassment.
Sincerely,
Ranajay Chakraverty
[City, State]
[Date]
2. RBI Ombudsman Complaint Template
Subject: Misconduct and Illegal Recovery Practices by IDFC First Bank
Respected Sir/Madam,
I wish to lodge a formal complaint under the Banking Ombudsman Scheme against IDFC First Bank. Their agents have used abusive language, made physical threats, and continued collection efforts despite no outstanding dues.
Kindly take necessary action as per RBI’s Fair Practice Code for Recovery Agents.
Regards,
Ranajay Chakraverty
[Registered Email ID]
[Account / Loan Number: 11210390]
About IDFC First Bank
IDFC First Bank, established in 2015, provides retail and corporate banking services across India. While known for competitive loan products and customer-friendly digital services, there has been a growing number of complaints related to harassment by recovery agents and lack of transparency in fee deductions.
Official Website: https://www.idfcfirstbank.com
Customer Care Email: customercare@idfcfirstbank.com
Author
Mr. Ranajay Chakraverty is a verified customer who filed his complaint through Choice4Voice.com. He alleges repeated harassment, threats, and mismanagement of his two-wheeler loan account by IDFC First Bank recovery teams, despite making timely payments and clear communication with bank officials.
Frequently Asked Questions (FAQs)
1. What is the complaint about?
The complaint involves harassment, abusive behavior, and illegal collection tactics by IDFC First Bank’s recovery agents.
2. Has the complainant made payments on time?
Yes, according to the complainant, all EMIs were cleared, yet false dues and late fees were added.
3. What legal options are available for harassment by bank recovery agents?
You can file an FIR, a consumer complaint, and escalate to the RBI Ombudsman.
4. Can recovery agents visit homes late or unannounced?
No. As per RBI guidelines, agents cannot visit after 7 PM or before 7 AM.
5. Are verbal threats by recovery agents illegal?
Yes, such behavior violates the Indian Penal Code (Sections 503, 506).
6. Can the bank charge late fees after full payment?
Only if payment delays are genuine and provable. Arbitrary charges are contestable.
7. How to file a complaint with RBI Ombudsman?
Visit https://cms.rbi.org.in and submit your details with documents.
8. What documents are needed to support the complaint?
Transaction proof, chat screenshots, call records, and email correspondences.
9. How long does RBI take to respond?
Usually within 30 days of filing a complaint.
10. Can a customer sue the bank for mental harassment?
Yes. Under the Consumer Protection Act and tort laws.
11. What are the RBI rules for loan recovery conduct?
Agents must carry valid ID, behave respectfully, and contact only between 7 AM–7 PM.
12. Can banks threaten family members for recovery?
Absolutely not. Such actions are criminal offences.
13. What to do if a bank recovery agent abuses you?
Record the incident, file a police complaint, and inform RBI Ombudsman.
14. Are WhatsApp threats punishable under Indian law?
Yes, they fall under cyber intimidation and harassment sections.
15. Can I stop EMI payments while a dispute is unresolved?
It’s advisable to seek legal counsel before withholding payments.
16. What compensation can a victim claim?
Refund of wrongful charges, compensation for mental distress, and legal costs.
17. Is IDFC First Bank responsible for its recovery agents’ actions?
Yes, under RBI’s Fair Practice Code, the bank is liable for its agents’ conduct.
18. How can Choice4Voice.com help victims like this?
By drafting legal templates, publishing verified cases, and guiding escalation.
19. How can customers protect themselves from loan harassment?
Keep records of all payments, communicate only via official channels, and report any misconduct immediately.
20. Where can victims of bank harassment seek urgent help?
Police station, RBI Ombudsman, Consumer Forum, or through Choice4Voice.com.
✅ Published by Choice4Voice.com – India’s trusted platform for verified consumer complaints.
We ensure every genuine grievance is heard, verified, and escalated to bring real accountability from brands and banks.
