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Resolving SBI Credit Card Bill Payment Harassment: Steps to Stop Collection Agent Harassment

Understanding the Issue: Prasenjit Dasgupta is facing harassment from collection agents due to an inability to pay his SBI credit card bill on time. The harassment includes phone calls and messages on WhatsApp. While he intends to pay, he requests time to do so and urges the cessation of these harassing tactics. SBI Card responds, expressing regret for the inconvenience and requesting Prasenjit to share his contact details for further assistance.

Helpful Resource:

If you're experiencing harassment from collection agents due to difficulties in paying your SBI credit card bill, here's a guide to help resolve the issue:

Step 1: Document the Harassment

Start by documenting the instances of harassment, including dates, times, and details of each interaction. This will serve as evidence if further action is required.

Step 2: Communicate with SBI Card Support

Reach out to SBI Card support via direct message or private message on Twitter, as suggested in their response to Prasenjit. Provide your contact details and a summary of the harassment you're experiencing.

Step 3: Request Cease of Harassment

Clearly state in your communication with SBI Card support that you're facing harassment from collection agents and request them to cease such activities immediately.

Step 4: Negotiate a Payment Plan

Explain your financial situation to SBI Card support and propose a realistic payment plan that you can adhere to. Request for their cooperation and understanding during this difficult time.

Step 5: Seek Legal Assistance if Necessary

If the harassment persists despite your efforts to resolve the issue with SBI Card support, consider seeking legal assistance. Consumer protection laws safeguard individuals from harassment by collection agents, and legal action may be necessary to enforce your rights.

Step 6: Report to Regulatory Authorities

If the harassment continues unabated and SBI Card fails to address the issue, report the matter to relevant regulatory authorities such as the Reserve Bank of India (RBI) or the Banking Ombudsman.

Step 7: Monitor and Follow Up

Continue monitoring your interactions with SBI Card support and collection agents. Follow up regularly to ensure that the harassment has ceased and that any agreed-upon payment plans are being honored.