Harassment by Loan App Recovery Agents
Aggressive or threatening recovery calls, or unauthorized data access, from a loan app.
What this generally means
Recovery agents must follow a fair practice code — threats, public shaming, and unauthorized contact of your relatives are not permitted, and unregistered lending apps can be reported.
Your journey
You Are Here
You're trying to understand what to do about loan app harassment. That's a good first step.
Understand Issue
Read through what this situation generally means and what your options are.
Gather Documents
Collect the evidence and paperwork that will support your case.
Contact Resource
Reach out to the most relevant authority, helpline, or legal aid service.
Escalate If Needed
If the first contact doesn't resolve things, escalate to a higher forum or authority.
Follow Up
Track your complaint's status and keep records of every response you receive.
Common next steps
- 1Check if the lending app is registered with the RBI via the Sachet portal.
- 2Do not respond to threats — document every call and message instead.
- 3File a complaint on the Sachet portal and with the Cyber Crime Reporting Portal if data was misused.
- 4Report unauthorized access to your contacts as harassment to the police.
Useful documents
- Screenshots of threatening messages/calls
- Loan app details and transaction history
- List of contacts who received harassment
Relevant authorities
- RBI Sachet Portal
- National Cyber Crime Reporting Portal
- Local Police Station
Frequently asked questions
Is it legal for a loan app to message my contacts?+
No, accessing and misusing your contact list without proper consent is both a privacy violation and often illegal.
Do I still owe the money if the app is unregistered?+
You should get legal advice — unregistered lenders may have no legal standing to enforce the loan, but professional guidance is important here.
Verified resources
RBI Sachet Portal
RBI's single-window portal to verify if a financial scheme or lender is registered with a regulator, and to report unauthorised deposit-taking or investment schemes.
District Legal Services Authority (Financial Fraud Cases)
Free consultation for victims of loan harassment, investment scams, and banking fraud, via NALSA's district network.
Cyber Crime Helpline (1930)
24x7 toll-free helpline for immediate reporting of financial cyber fraud, to request a freeze on fraudulent transactions before funds are withdrawn.