Complaint against a loan app: the letter, to the right officer

Type the app's name. We find the lender behind it and its grievance officer in RBI's directory of loan apps, and fill in your complaint letter.

Loan Kavach sends your complaint to the right officer and tracks the reply.

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To complain against a loan app, write to the grievance officer of the lender behind it. That's the bank or NBFC named in your loan agreement, and RBI requires every one to name a grievance officer. If there's no reply within 30 days, or the reply doesn't solve it, file with the RBI Ombudsman at cms.rbi.org.in. RBI's directory lists 1,146 loan apps with their lender and grievance officer.

Draft your complaint letter

Step 1 · The app

Which app is the loan from?

Step 2 · What happened

Recovery agents called or messaged my family, friends or officeThreats, abuse or morphed photosCharges I wasn't told about in the Key Facts StatementI repaid in full, but the loan still shows open or I have no NOCWrong information about this loan on my credit reportThe app used my contacts or photos

Your full nameLoan account number (from the app or your loan agreement)Your mobile numberYour email

Anything else, in a few lines (dates and times help)

Only the app name is sent, to look it up. Your name, loan number and letter stay on your phone.

Step 3 · Your letter

Today: send it to the grievance officer and keep the sent email.
If the lender's website names a nodal or principal nodal officer, send it there too.
From 2 December 2026, if there's no reply or it doesn't solve the problem: file at cms.rbi.org.in with this letter and any reply.

Who to complain to, in order

1
The lender's grievance officer · Day 1
Every RBI-regulated lender must name one. RBI's directory of loan apps lists, for each app, the lender behind it and that lender's grievance officer. Write to them, not to the recovery agent: RBI holds the lender responsible for its agents.
2
The nodal or principal nodal officer · Same day, optional
If the lender's website names one, copy the letter to them as well.
3
The RBI Ombudsman, at cms.rbi.org.in · From day 31
RBI's Ombudsman takes a complaint once the lender has had it for 30 days without a reply, or has rejected it. Attach your letter and any reply. RBI charges no fee and you don't need a lawyer.

Threats, abuse or morphed photos are also a police matter: report them at cybercrime.gov.in or call 1930, alongside the letter.

No reply from the lender?

Loan Kavach tracks the 30 days and takes your complaint to RBI.

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On the web · No app download

What makes a complaint work

Name the loan exactly: your name, the loan account number and the app.
One numbered point per incident, with the date and time. “On 28 October at 9:40 pm an agent called my brother” beats a paragraph.
Say what you want done: stop the calls, reverse a charge, issue the NOC.
Date it and keep proof you sent it. The date starts RBI's 30 days.

More on each part: the grievance letter, explained.

Want it handled for you?

Loan Kavach drafts the letter for your case, sends it to the right officer and tracks the reply.

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On the web · No app download

Questions about loan app complaints

How do I complain against a loan app?

Write to the grievance officer of the lender behind the app, the bank or NBFC named in your loan agreement. If there's no reply within 30 days, or the reply doesn't solve it, file a complaint with the RBI Ombudsman at cms.rbi.org.in.

Where do I find a loan app's grievance officer email?

RBI's directory of digital lending apps lists, for each app, the lender behind it and that lender's grievance officer, as the lender reported them to RBI. Type the app's name in the drafter above to see the name, email and phone.

Can I complain to RBI directly?

RBI's Ombudsman takes a complaint only after the lender has had it for 30 days, or has rejected it. A complaint filed before that is usually returned, so write to the lender first. The drafter shows the date from which you can go to RBI.

What if the app isn't in RBI's directory?

The directory lists the apps that banks and NBFCs report to RBI. Look for the lender's name in your loan agreement or the app's About page and type that. If no RBI-regulated lender is behind the app, report it on RBI's Sachet portal, and report threats at cybercrime.gov.in or on 1930.

Does a complaint stop my repayments?

No. A complaint is about how the lender or its agents behaved, not about the debt. What you owe stays due, so keep the two separate.

Sources

GoCredit isn't a lender or a law firm, and this page isn't legal advice. Lender and grievance officer details come from RBI's directory of digital lending apps, as the lenders reported them; RBI doesn't validate them. A listing isn't an RBI approval.