Advocate Arushi Khanna raises a serious complaint against IndusInd Bank for harassment of customer Mr. Ravikumar, including abusive recovery calls, intimidation, and violation of RBI fair practices code. Full case details on Choice4Voice.com
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Complaint Summary : IndusInd Bank Harassment Complaint – Advocate Arushi Khanna Exposes Recovery Agent Misconduct
| Complainant | Advocate Arushi Khanna (on behalf of Mr. Ravikumar) |
|---|---|
| Customer Affected | Mr. Ravikumar |
| Complaint Type | Recovery Harassment |
| Company/Brand | IndusInd Bank Limited |
| Nature of Misconduct | Threatening calls, abuse, intimidation, defamation |
| Key Violations | RBI Fair Practices Code, Consumer Protection Act |
| Relief Sought | RBI intervention, accountability, ethical recovery practices |
Full Complaint Details
Advocate Arushi Khanna has brought to public attention the case of Mr. Ravikumar, a customer of IndusInd Bank Limited, who has allegedly been subjected to severe harassment and intimidation by the bank’s recovery agents.
Due to job loss and business failure, Mr. Ravikumar has been unable to pay his EMIs. Instead of addressing the matter lawfully, the recovery agents reportedly engaged in misconduct that raises serious concerns about the bank’s practices.
Reported Misconduct by IndusInd Bank Recovery Agents:
- Over 100 calls per day, including at odd hours.
- Abusive and defamatory reference calls made to relatives.
- Public humiliation of the borrower and his family.
- Unannounced visits to the residence when his wife was alone, causing fear and mental trauma.
- No effective response from customer care or official escalation channels.
This pattern of behavior not only amounts to harassment but also breaches RBI’s Fair Practices Code for lenders, violates provisions under the Consumer Protection Act, and raises potential grounds for legal action.
Customer Impact
The aggressive recovery actions have:
- Caused mental distress to Mr. Ravikumar and his family.
- Created safety concerns for his wife and child.
- Eroded trust between customers and IndusInd Bank.
Advocate Arushi Khanna raises the critical question:
“If harm were to come to Mr. Ravikumar’s wife or child due to this intimidation, who will bear responsibility – the recovery agents or IndusInd Bank itself?”
Original LinkedIn Post
View Advocate Arushi Khanna’s LinkedIn post here
Legal & Regulatory Concerns
This complaint underscores multiple violations:
- RBI Fair Practices Code – prohibits harassment, abusive calls, or intimidation during loan recovery.
- Consumer Protection Act, 2019 – protects customers from unfair and aggressive trade practices.
- Indian Penal Code – harassment and intimidation may fall under criminal offenses.
If IndusInd Bank fails to act, the matter could escalate to:
- RBI Banking Ombudsman
- National Consumer Disputes Redressal Commission (NCDRC)
- Civil or criminal proceedings under Indian law
Choice4Voice.com – Supporting Harassment Victims
At Choice4Voice.com, we bring consumer complaints to light so that companies are held accountable for their actions.
If you or someone you know is facing harassment by banks, recovery agents, or financial institutions, you can submit your case to us.
👉 Submit your complaint here: https://choice4voice.com/submit-your-complaint/
Frequently Asked Questions (FAQs)
Q1. Who raised the complaint against IndusInd Bank?
Advocate Arushi Khanna, on behalf of customer Mr. Ravikumar.
Q2. What type of misconduct was reported?
Harassment through 100+ calls per day, abusive language, defamation, and unannounced visits.
Q3. Which laws protect customers from such harassment?
The RBI Fair Practices Code and the Consumer Protection Act prohibit such behavior.
Q4. Can recovery agents visit a borrower’s home?
Yes, but only within legal guidelines – harassment, intimidation, or visits at odd hours are illegal.
Q5. Are banks allowed to contact relatives of borrowers?
No, contacting relatives for defamation or intimidation is against RBI’s guidelines.
Q6. What legal recourse does Mr. Ravikumar have?
He may file complaints with the RBI Banking Ombudsman, consumer court, or initiate criminal proceedings.
Q7. Is abusive language by recovery agents punishable?
Yes, it can be reported as harassment and intimidation under Indian law.
Q8. Can banks make unlimited recovery calls?
No, RBI guidelines restrict harassment – calls must be reasonable and professional.
Q9. What is the official complaint number mentioned?
Registered reference: 8971040143.
Q10. What is the role of RBI in such cases?
RBI ensures banks follow fair practices and can penalize banks for violations.
Q11. How does harassment affect the borrower’s family?
It creates fear, trauma, and reputational harm.
Q12. Can compensation be claimed for such harassment?
Yes, compensation may be awarded through consumer court.
Q13. Why is IndusInd Bank being criticized in this case?
For failing to act on complaints and allowing unlawful practices by recovery agents.
Q14. Can the borrower request a moratorium or settlement?
Yes, borrowers can formally apply for restructuring under RBI schemes.
Q15. Does debt default justify harassment?
No, debt recovery must be legal, ethical, and non-coercive.
Q16. What if a bank ignores harassment complaints?
The issue can be escalated to higher authorities and regulators.
Q17. Can the borrower approach the police?
Yes, harassment and intimidation can be reported to local police stations.
Q18. Has RBI taken action in similar cases before?
Yes, RBI has fined and warned banks for unlawful recovery practices in the past.
Q19. How can consumers protect themselves?
By keeping records of calls, messages, and visits and filing formal complaints.
Q20. How can Choice4Voice.com help?
We publish and amplify complaints to ensure accountability and quicker resolution.
Final Note
This case highlights the urgent need for ethical debt recovery practices in India’s banking sector. Harassment not only violates laws but also endangers families.
Choice4Voice.com stands with customers like Mr. Ravikumar, ensuring their voices are heard and pressure is applied for fair resolution.
Choice4Voice.com Is Here to Help You
If you are facing a similar issue and would like our support in highlighting your concern, we are here to assist.
Simply write a LinkedIn post and tag our official page Choice4Voice.com
Submit your complaint directly : https://choice4voice.com/submit-your-complaint/
