IDBI Bank — Misbehavior of the manager

Address:

141/A, Indira Gandhi Rd, Konnagar, Hooghly, West Bengal 712235

I, pritika pathak d/o prabir pathak tried to apply for an educational loan in idbi bank, konnagar on 18th june 2020. As per the bank manager's (Mr. Cheraian xalxo) instruction i submitted all my necessary
Documents that are required. He also visited my house for verification and then i got an acknowledgement of loan application acceptance on 6th july 2020 which was signed by him. After that branch manager got transferred on 10th july 2020. New manager (Mr. Santosh pandey) joined on 27th july. When i requested him to meet me, he lied that he is in quarantine and will join at the end of august. On the other hand he has already joined 2 days before. (I have his whatsapp text). I visited him the very next day and he was there, we had a conversation and without seeing my paper he asked me to apply in another bank. At our request, the next day he saw my paper and he asked for some documents which are beyond the rules of rbi vidya laxmi scheme. As my loan is below 4 lakhs, as per the vidya laxmi scheme no third party guarantor/mortgage is needed nor any parents itr files. As i belong to a poor family, my father doesn't have any fixed jobs. But still the manager is asking for those documents which are not needed as per rbi rules. What manager is claiming he can't even show me in a rule book. But i have shown him the rbi rules. And when we talked about this, the manager suggested me to take a gold loan instead of helping me with this. Then he came up with a conclusion that he will reject my loan as i did not submit any guarantor nor itr files of my father. After that it's been 4 days he didn't reject my loan nor accept it. He didn't even put any remarks on vidya laxmi portal. When i tried to talk to him he misbehaved with me, he blocked me from whatsapp, not replying to my text msg. Not a single cooperation has been done by the bank till now. They even harass my father. It's going to be 3 months and i'm not able to continue my study. Please help me to get this loan. I also like to inform you that i visited today, and we had a conversation with the manager mr. Santosh pandey. As i asked him about rejection of my loan, he kept saying that he already rejected my loan but it's been a week there is no official updates not even vidya laxmi portal. So i asked him to give me an official notice that my loan has been rejected and with a cause. But he started shouting at me, and talked in an inappropriate way, where my mother is also there. He misbehaved with me. He used the term "i am having a disease". When i said i will wait for the rejection notice and will visit him tomorrow. He directly said not to come anymore. There is no cooperation from idbi bank konnagar. It's been 3 months, they are harassing us and today misbehaved with us. As a citizen of this country, i want to get my educational loan as i am having my merit and i deserve this. But they are misleading me and because of that my carer will be stopped. Please help me out with this. I also launched a complaint on national consumer, my complaint number is 2164405.

Thank you.