Amit Bhawar, CEO at Excelsior Nexus, files a serious complaint against SBI Credit Card agent for harassment and privacy breach. Full details, complaint summary, and how Choice4Voice.com is helping consumers fight back.
Complaint Summary : Serious Complaint Against SBI Credit Card Agent – Threat & Privacy Violation | Raised by Amit Bhawar
| Detail | Information |
|---|---|
| Complainant Name | Amit Bhawar |
| Complainant Profile | CEO at EXCELSIOR NEXUS (ARJUNATESTS) |
| Date of Complaint | August 2025 |
| Company Involved | State Bank of India SBI Credit Card |
| Issue | Threatening call received by complainant’s sister; agent obtained private number without consent |
| Key Concern | Harassment, Privacy Violation, Data Misuse |
| Phone Number Used by Agent | 72919 04385 |
| Action Requested | Immediate investigation, action against agent, protection of customer data |
| Original LinkedIn Post | View Source |
Full Complaint Details
A shocking incident has been reported by Amit Bhawar, CEO of Excelsior Nexus (Arjunatests), against SBI Credit Card.
According to Amit, a person claiming to be an SBI Credit Card agent called from +91 72919 04385. Instead of contacting him directly, the caller illegally obtained his sister’s contact number and reached out to her. This raises serious concerns of data misuse and breach of customer privacy.
The caller allegedly used threatening language, attempting to intimidate the family instead of following due banking protocols. Such actions not only harm customer trust but also violate RBI guidelines and consumer rights.
Amit has strongly urged State Bank of India (SBI Card team) and the Banking Ombudsman to:
- Investigate the incident thoroughly.
- Take strict disciplinary action against the concerned agent.
- Ensure stronger safeguards to protect customer data and privacy.
This case highlights a worrying trend of harassment and privacy violations in India’s banking sector, where aggressive recovery tactics are replacing professional customer service.
About the Complainant – Amit Bhawar
- Name: Amit Bhawar
- Profession: CEO at Excelsior Nexus (Arjunatests)
He shared this complaint publicly to ensure his case receives attention and to warn other customers about unethical practices.
About the Brand – State Bank of India (SBI Card)
SBI Card is one of India’s largest credit card issuers, serving millions of customers. However, complaints of harassment calls, data misuse, and aggressive recovery tactics have been increasing across platforms like LinkedIn and consumer forums.
Such incidents can damage consumer trust and raise regulatory concerns for SBI if immediate corrective actions are not taken.
Choice4Voice.com – Giving Power Back to Consumers
At Choice4Voice.com, we believe no consumer complaint should go unheard. Our platform highlights genuine cases like this one to create public awareness and corporate accountability.
- If you are facing a similar issue, you can submit your complaint here: Submit Your Complaint
- You can also tag our official Choice4Voice page on LinkedIn so that we can amplify your concern.
We work completely free of cost to help customers get justice by bringing their voices directly in front of the companies and the public.
Q&A on SBI Credit Card Harassment
Q1. How can I file a complaint against an SBI Credit Card agent for harassment?
You can escalate directly to SBI Card Customer Care via email and also lodge a complaint with the Banking Ombudsman through RBI’s official grievance portal.
Q2. Is it legal for credit card companies to call family members of customers?
No, as per RBI guidelines, banks and recovery agents cannot threaten or harass family members. Such practices are unlawful.
Q3. What is the Banking Ombudsman and how can it help me?
It is an RBI-appointed authority to handle consumer complaints against banks, including harassment, unfair charges, and privacy violations.
Q4. What are my rights if an SBI recovery agent misuses my personal data?
You can file a data privacy violation complaint with the Ombudsman and even take legal action under the IT Act and Consumer Protection Act.
Q5. Can I block SBI Credit Card calls from harassment numbers?
Yes, you can block such numbers, but it is strongly recommended to also report them officially for investigation.
Q6. How do I report SBI Credit Card data misuse?
Send a detailed email to customer.care@sbicard.com and escalate if no response is received.
Q7. Can RBI take action against SBI for harassment cases?
Yes, RBI can impose strict penalties if the bank is found violating fair banking practices.
Q8. What legal action can I take if an agent threatens me or my family?
You can file a police complaint for harassment and also approach the Ombudsman.
Q9. What documents should I keep while filing a harassment complaint?
Keep call records, screenshots, emails, and any other evidence that proves harassment or data misuse.
Q10. Does SBI Card have a grievance redressal officer?
Yes, every bank and credit card company has a Nodal Officer for complaints. Details are available on SBI Card’s official website.
Q11. Can credit card companies access my family’s phone numbers?
No, legally they cannot. Accessing or misusing personal contact details is a serious privacy breach.
Q12. How can Choice4Voice help in such cases?
We publish and amplify genuine complaints across LinkedIn and Choice4Voice.com to pressure companies into resolving issues.
Q13. How long does SBI take to resolve customer complaints?
Usually 7–15 working days, but harassment complaints should be handled immediately.
Q14. Can I ask for a written apology from the agent or the bank?
Yes, you can formally demand a written apology along with corrective measures.
Q15. What are RBI’s guidelines on debt recovery?
RBI has issued strict rules that prohibit abusive language, threats, and contacting family members.
Q16. Can I cancel my SBI Credit Card due to harassment?
Yes, you can request cancellation and settlement of dues directly with SBI Card.
Q17. How do I escalate an unresolved SBI complaint?
After contacting customer care, escalate to the Nodal Officer and finally to the Banking Ombudsman.
Q18. Are there consumer forums for bank harassment complaints?
Yes, you can file a case with the District Consumer Disputes Redressal Commission.
Q19. Can such complaints affect SBI’s reputation?
Yes, repeated unresolved complaints can seriously damage customer trust and brand credibility.
Q20. Why is public posting on LinkedIn effective for complaints?
Because it increases visibility and corporate accountability, forcing companies to act quickly.
