State Bank Of India [SBI] — harassment, repeated calls, and unethical recovery practices by sbi credit card

Respected Sir/Madam,

I am filing this complaint to bring your urgent attention to the harassment and unethical recovery practices being carried out by SBI Credit Card and their outsourced third-party collection agencies.

Issue Summary

After missing a single credit card payment (for which SBI has already charged me a late fee and penalty), I started receiving continuous and aggressive calls from third-party recovery agents hired by SBI. These callers are:

Not SBI employees

Untrained and unprofessional

Often rude, disrespectful, and humiliating in their tone

Calling repeatedly (sometimes 10–20 times a day)

Asking the same question: “Why did you miss the payment?” even though SBI already imposed a penalty

Pressuring and emotionally forcing me to make the payment immediately

Immediately after their calls, I also receive multiple SMS messages from non-bank loan apps, which creates suspicion that customer information is being misused to push borrowers into a dangerous cycle of loans.

Concerns and Impact
This behaviour from SBI and its agents amounts to:

1.Mental harassment and emotional stress
2.Violation of privacy
3.Unfair, unethical, and aggressive recovery practices
4.Misuse of customer data
5.Pressure tactics to force customers into taking new loans

It is important to note that:
The bank has already imposed penalties and charges for the delay.
Despite this, the harassment continues through repeated calls and intimidation by uneducated third-party collectors.
Other banks such as Axis, HDFC, etc., follow professional and respectful communication practices during payment delays. However, SBI’s methods resemble local loan recovery agents rather than a national bank.

Relief Sought
I request the concerned authority to kindly:

1. Investigate SBI’s third-party recovery system

2. Stop harassment calls and unfair pressure tactics

3. Ensure customer data is not shared with unauthorized or non-banking lenders

4. Instruct SBI to follow RBI guidelines on recovery practices

5. Take appropriate action against third-party agencies violating consumer rights

Conclusion
A delayed payment is not a crime.
But harassing customers continuously is unacceptable and illegal.
I request urgent intervention to stop this harassment and safeguard consumer rights.

Thanking you,
Yours sincerely,
Anil Thomas