Lenders resolve clear, documented complaints faster, and the RBI will only take up your case if you complained to the lender first, in writing. These templates save you the blank-page problem. Copy one, replace everything in [square brackets], and delete what doesn’t apply. For the full escalation path, read how to complain about a lender in India, and for the rights behind each letter, our borrower rights checklist.
Five rules before you send anything
Send it to the right person
The grievance redressal officer’s name and email are on the lender’s website, app and Key Fact Statement. Address the lender’s registered name, not just the app brand.
One issue per letter
Mixing a refund, a recovery complaint and a credit report error in one email slows everything down.
Ask for something specific
“Refund ₹2,950 charged on 4 October” works. “Please look into this” doesn’t.
Attach proof
KFS, statement, screenshots, call log with dates and times. Never send your full card number, PIN, OTP or passwords.
Keep the trail
Save the sent email and the complaint reference number. You’ll need both for the RBI.
How long each side has to reply
Response time limits that work in your favour
As of October 2026: RBI Integrated Ombudsman Scheme, 2026; RBI credit information compensation framework (2023); DPDP Rules, 2025 (data grievance limit applies from 13 May 2027). Some fraud-related categories follow longer timelines.
Template 1: general complaint (wrong charges, refund, service)
Subject: Complaint – Loan account [number] – [wrong charge / refund not received]
To the Grievance Redressal Officer, [Lender’s registered name]
I am [full name], registered mobile [number], loan account [number], disbursed on [date].
On [date], [describe in 2–3 sentences: e.g. a charge of ₹[amount] described as “[name]” was debited. This charge does not appear in the Key Fact Statement I received on [date].]
I request that you [refund ₹[amount] to my account / correct my statement] within 30 days and confirm in writing. Please share a complaint reference number.
Attached: KFS, statement dated [date], [screenshot].
[Name] · [Date]
Charges not disclosed in the KFS can’t be levied under the RBI’s digital lending rules. See the KFS, explained.
Template 2: recovery agent harassment
Subject: Complaint – Recovery conduct – Loan account [number]
To the Grievance Redressal Officer, [Lender’s registered name]
I am [name], loan account [number]. Between [date] and [date], I received calls from [number(s)] claiming to act for you. The callers [called before 8 am / after 7 pm / used abusive language / contacted my family, colleagues or contacts / threatened me]. Call log and recordings are attached.
Please (1) give me the name of the recovery agency and agent assigned, (2) stop this conduct immediately, and (3) confirm in writing the action taken. I am willing to discuss repayment of my dues directly with you at [email / number].
[Name] · [Date]
The RBI’s rules on what agents can and can’t do are in recovery agents: RBI rules for 2026. If there are threats, edited photos or extortion, also call 1930 and file a police complaint.
Template 3: asking why your loan was rejected
Subject: Request for reasons – Loan application [number]
To [Lender’s registered name] Customer Service
My application [number] for a [personal] loan of ₹[amount], made on [date], was declined on [date]. Please share in writing the main reasons for the decision and the name of the credit bureau whose report was used, so I can check it for errors.
[Name] · [Registered mobile] · [Date]
Why this matters, and what to do with the answer: loan rejected? your right to know why.
Template 4: credit report correction (to the lender)
Subject: Credit information correction – Loan account [number]
To the Nodal Officer for credit bureau grievances, [Lender’s registered name]
My [CIBIL / Experian / Equifax / CRIF High Mark] report dated [date] shows loan account [number] as [open / overdue by ₹[amount] / settled / written off]. This is incorrect: the loan was [closed in full on [date]]. The no-dues letter dated [date] is attached.
Under the RBI’s framework, please send the corrected data to the bureau within 21 days and confirm. I have also raised dispute [number] with the bureau.
[Name] · [PAN, last four characters only] · [Date]
Raise the dispute with the bureau online too; our CIBIL dispute guide shows how.
Template 5: exiting in the cooling-off period
Subject: Exercising cooling-off option – Loan account [number]
To [Lender’s registered name]
The loan of ₹[amount] was credited to my account on [date and time]. As per the cooling-off period stated in my Key Fact Statement, I wish to exit this loan. Please confirm the amount payable (principal plus proportionate cost) and your repayment account details, and send a closure letter once paid.
[Name] · [Date]
Send this quickly: the window can be as short as one day. Details in the cooling-off period on a digital loan.
Template 6: closure letter / NOC not received
Subject: No-dues certificate request – Loan account [number]
To [Lender’s registered name]
I repaid loan account [number] in full on [date] (payment reference [number]). Please issue a no-dues certificate and confirm that the account has been reported as closed to all credit bureaus.
[Name] · [Date]
If you’re moving several app loans into one, you’ll send this letter to each app. That’s part of how SmartSwitch works.
Template 7: data deletion or consent withdrawal
Subject: Withdrawal of consent and data deletion request
To the Grievance Officer, [Lender’s registered name / App name]
I [applied for / repaid] loan [number / application number] on [date]. I withdraw my consent for [marketing messages / sharing of my data with third parties for purposes other than my loan]. Please delete personal data collected through your app that you are not required by law to retain, and confirm what you are keeping and why.
[Name] · [Registered mobile] · [Date]
What you can and can’t ask for: your data in a loan application.
Escalating to the RBI: the summary to paste
If the lender doesn’t resolve it in 30 days, or you’re unhappy with the reply, file on cms.rbi.org.in within 90 days. The form asks for a short description. Use this structure:
Filing is free, and the RBI contact centre on 14448 can help. If the app has no regulated lender behind it, report it on the RBI’s Sachet portal instead.
Tired of complaining to five loan apps?
SmartSwitch replaces several short-term app loans with one Omozing loan and one EMI. The money goes to your own account, you close each app loan, and you deal with one regulated lender.
Frequently asked questions
Who should I send a loan complaint letter to?
The lender’s grievance redressal officer. Their name and contact details must be on the lender’s website, app and Key Fact Statement. Address the lender’s registered name, not just the app brand.
Should I complain by email or by post?
Email or the lender’s online grievance form is fine and creates a dated record. The RBI asks for proof that you complained in writing, so avoid phone-only complaints.
What if the lender doesn’t reply to my letter?
If there is no reply within 30 days, or the reply doesn’t resolve the issue, you can file with the RBI on cms.rbi.org.in within 90 days. Filing is free.
Can I use these templates for a loan app?
Yes, if a regulated bank or NBFC is behind the app. Address the letter to the lender named in your loan agreement and copy the app’s grievance officer.
Should I mention the RBI in my complaint letter?
You can mention the rule you rely on, such as the Key Fact Statement or credit information timelines, in one line. Keep the tone factual; threats don’t speed things up.
What personal details should I leave out?
Never include your full card number, CVV, PIN, OTP or passwords. Your loan account number, registered mobile and the last four characters of your PAN are usually enough.
Sources (checked October 2026): Reserve Bank – Integrated Ombudsman Scheme, 2026; RBI (Digital Lending) Directions, 2025; RBI circulars on credit information compensation and CIC customer service (26 October 2023); DPDP Rules, 2025. Templates are general information, not legal advice.
Omozing is the digital lending brand of Aparampaar Finance Private Limited, an RBI-registered non-deposit-taking NBFC. See our regulatory disclosures and grievance redressal process.