Can online loan app harassment be reported legally?

Priya

Can harassment, threats, or misuse of personal information by online loan application companies or recovery agents in India be reported legally, and what legal remedies are available to protect borrowers from abusive practices and seek action against those responsible?

Aditi

Yes, harassment by online loan apps or their recovery agents can be reported legally in India.

Key points:

If a loan app uses abusive language, threats, blackmail, or misuses personal data, the borrower can file a complaint with the appropriate authorities.
Preserve evidence such as:
- Screenshots of messages and calls
- Call recordings (where legally permitted)
- App details and payment records
- Threatening or abusive communications
Complaints can be made to:
- Cybercrime authorities for misuse of personal data, online harassment, or fraud
- The police for criminal intimidation, harassment, or other offences
- Relevant regulatory authorities if the issue involves an unauthorized or regulated lending entity
Do not share additional personal information or pay illegal demands under pressure.
Seek legal advice if the harassment involves threats, public shaming, or misuse of private photos or contacts.