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Submit your complaint →Entrepreneur Urvashi T alleges harassment by Paytm Payments Bank employees who repeatedly called her for someone else’s loan reference. Learn your legal rights and how to file a complaint for digital and telephonic harassment.
Complaint Summary : Urvashi T vs Paytm Payments Bank – Harassment Calls Over Unrelated Loan Case | Choice4Voice.com
| Field | Details |
|---|---|
| Complainant Name | Urvashi T |
| Profession | Real Estate Entrepreneur & Co-Living Expert |
| Company Complained Against | Paytm Payments Bank |
| Concerned Individuals / Tags | Vijay Shekhar Sharma, Paytm Employees |
| Complaint Type | Harassment through calls and messages |
| Incident Duration | Last 3 days (as per complaint) |
| Primary Issue | Unethical recovery calls for someone else’s dues |
| Platform Raised On | |
| Date of Complaint | October 2025 |
| Location Mentioned | Not specified |
| Expected Resolution | Immediate end to harassment and internal investigation |
Full Complaint Summary
Urvashi T, an established Real Estate Entrepreneur and founder of Just CoLiving, has raised a serious complaint against Paytm Payments Bank for repeated harassment calls and messages from the company’s employees.
According to her LinkedIn post, she has been receiving persistent calls over the past three days from individuals claiming to represent Paytm Payments Bank. These employees allegedly stated that someone had listed her number as a loan reference, and that person was delinquent on payments.
Despite Urvashi’s clear clarification that she has no connection with the concerned person, the harassment continued. She described the conduct as “completely unacceptable and unprofessional”, emphasizing that such actions amount to unethical recovery practices.
By making the issue public, Urvashi aims to ensure that the Paytm management, including CEO Vijay Shekhar Sharma, takes strict disciplinary action against employees engaging in such behavior.
How Choice4Voice.com Can Help
At Choice4Voice.com, we amplify consumer voices that are ignored or mistreated by companies.
If you face unwanted calls or harassment from financial or payment institutions, we can assist you by:
- Publishing your verified complaint publicly for visibility and accountability.
- Guiding you to file formal harassment and cybercrime complaints.
- Providing email templates for escalating to Paytm, RBI, and law enforcement.
- Helping you report the issue to the National Consumer Helpline and cybercrime authorities.
You can submit your complaint directly using the Choice4Voice Complaint Form.
Applicable Legal Remedies and Authorities
| Issue Type | Legal Provision / Authority | Where to File / Contact |
|---|---|---|
| Harassment through calls | Section 503, IPC (Criminal Intimidation) | Local Police Station or cybercrime.gov.in |
| Privacy violation | Section 66E, IT Act 2000 | Cybercrime Reporting Portal |
| Unlawful recovery practice | RBI Fair Practices Code for Lenders | RBI Ombudsman Portal |
| Misuse of personal number | Data Protection and Privacy Laws (India DPDP Act 2023) | Ministry of Electronics & IT |
| Consumer grievance | National Consumer Helpline / edaakhil.nic.in | edaakhil.nic.in |
Step-by-Step Guide to File a Complaint Against Paytm Harassment
Step 1: Send an Official Email to Paytm Payments Bank
Email helpdesk@paytmpaymentsbank.com with subject line:
“Harassment Complaint: Repeated Unsolicited Calls for Loan Reference”
Sample Email Template:
Subject: Harassment Complaint – Unsolicited Calls from Paytm Employees
Dear Paytm Payments Bank Team,
I am receiving repeated calls and messages from your employees who claim my number was given as a reference for a loan. I have no connection with the individual concerned.
This amounts to harassment and a serious breach of privacy. Please take strict internal action and confirm written acknowledgment of my complaint.
Regards,
[Your Full Name]
[City, Date]
Step 2: File a Complaint with the RBI Ombudsman
Visit cms.rbi.org.in → Select “Digital Wallet / Payments Bank” → File your complaint under “Harassment or Unfair Recovery Practices”.
Step 3: Report to Cyber Crime Authorities
If harassment persists, file a cyber harassment report on the National Cyber Crime Portal under the category “Online and Telephonic Harassment”.
Attach call logs, screenshots, and messages as evidence.
Step 4: Escalate to the Consumer Forum
If Paytm fails to act within 30 days, file a complaint on edaakhil.nic.in seeking:
- Compensation for harassment and stress.
- Written apology from the company.
- Penalty for unlawful sharing or misuse of personal data.
About Paytm Payments Bank
Paytm Payments Bank, founded by Vijay Shekhar Sharma, is a licensed payments bank offering digital accounts, UPI, and wallet services. However, multiple users have reported issues with aggressive recovery practices, spam calls, and privacy breaches.
Official Website: www.paytmbank.com
Customer Email: helpdesk@paytmpaymentsbank.com
Frequently Asked Questions (Q&A)
1. What should I do if Paytm employees call me repeatedly for someone else’s loan?
Immediately ask them to stop, record the call, and email Paytm Payments Bank’s official grievance address.
2. Is it legal for Paytm to call an unrelated person as a reference?
No, unless you explicitly consented, using your number is a privacy violation.
3. Can I report such calls to the police?
Yes, you can file an FIR or an online complaint at cybercrime.gov.in.
4. How to block or report Paytm spam numbers?
Use the TRAI DND (Do Not Disturb) app or call 1909 to report spam numbers.
5. What is RBI’s rule on recovery agent behavior?
RBI strictly prohibits harassment, threats, or public humiliation during recovery attempts.
6. Can I file a defamation or harassment case?
Yes, under Section 503 IPC and Section 66E IT Act if your privacy is violated.
7. How long does RBI Ombudsman take to respond?
Generally, within 30 days of registering a valid complaint.
8. Can I demand compensation for mental harassment?
Yes, under the Consumer Protection Act, you can claim compensation.
9. How to identify genuine Paytm representatives?
Ask for their official email ID ending with @paytm.com or @paytmpaymentsbank.com.
10. Can Paytm share reference details without consent?
No, sharing personal contact info without consent breaches Data Protection Law.
11. What proof should I keep for complaint filing?
Keep screenshots, call records, message logs, and your written communication with Paytm.
12. How to file a data misuse complaint?
Write to grievance.officer@paytm.com citing the DPDP Act 2023 violation.
13. Can Choice4Voice.com publish harassment cases?
Yes, Choice4Voice.com regularly publishes verified consumer harassment cases for awareness.
14. What to do if harassment continues despite complaints?
Escalate to local police cybercrime cell with all evidence.
15. How to check complaint progress on RBI Ombudsman site?
Use your complaint reference number on cms.rbi.org.in for status updates.
16. Is sharing my number with a recovery team a criminal act?
Yes, if done without your consent it can be pursued under privacy violation laws.
17. Can I approach the National Consumer Helpline?
Yes, call 1800-11-4000 or register on consumerhelpline.gov.in.
18. What is Paytm’s escalation email for serious grievances?
You can email grievance.officer@paytmpaymentsbank.com.
19. Can harassment cases affect Paytm’s license?
If found violating RBI Fair Practices Code repeatedly, RBI may initiate regulatory action.
20. How does Choice4Voice.com ensure accountability?
By publishing verified public cases, tagging responsible brands, and guiding users through official redressal steps.
