Collection agency harassing and abusing?

Question

On 30th Jan, 2016 unfortunately I lost my wallet in the market containing my credit card. I called up the customer care for replacement and was told that I had a minimum amount due on my card on paying that I would be issued a new card. Meanwhile I asked the customer care executive that how do i make payment as i did not have my card details and she asked me to drop a cheque to cc no. XXXXXXXXXXXXXXX1335/3726 as this was their pool account and gave a ref no XXXXXX6982 for the call. I got a call from the collection agent a week after, he asked me to make the payment to which I informed him along with cheque no. that I have already dropped a cheque. The agent kept calling me 10 times a day that they have not recieved the payment so i shld pay in cash. I informed him politely that we must wait for 3-4 days for cheque to get clear. The agent was rude, manarless and senseless. I got a call from my bank saying that cheque could not be presented due to wrong cc no. mentioned on it. So, i made a fresh payment by cheque and again when the agent called I informed him the same. this time the agent who's name is MR. karan started shouting on me aqnd saying personal things wgich were unacceptable. Mr. Karan called me up several times inn a day and after i stopped answering his call he called up from another no and abused me over the phone. As per RBI guidelines the collection agency cannot threaten the clients for recovering the money.

Answer 1

Dear Vedika

At the outset, let me clarify that this site is designed and managed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

The best course is to once visit your home branch, seek details of your lost card, dues etc, pay it off under proper acknowledgement by them.  This would save you from the unnecessary phone calls / harassment from the recovery agent.  Otherwise, the agony would continue.

RAJA