Kotak Mahindra Bank — Collection agent mental harassment and threatening via phone call evidence attached below plz refer these not following RBI guide

I'm unable to repay the credit card due amount because I dont have proper job living also very difficult one of the collection agent today called me doing mental harressment and threatening I informed that agent I taken the loan in legal way I will face it in legal way still he don't understand about it he continuesly threatening me I plan to send a legal notice to your bank head office because unable to face collection agent threatening and mental harressment your Collection agnts not following RBI guidelines plz take appropriate action

Credit card number: [protected]