I owned a credit card issued by SBI 6-7 years ago. I was using the card without any problems. In January due to some urgent financial issues I was unable to pay them and from February I was not in a condition to pay the due amount. I proactively contacted them and informed about the situation and requested for few months exemption. They informed there is nothing much they can do however asked me to try paying as early as possible. For next 3-4 months I was not able to pay. SBI representatives started calling me and as I had no option I tried to ask for more time. I work in different shifts and because of that I missed few calls from the bank. On that, someone from SBI called my family members and informed that I have ran away with their money and I owe ₹ 60000. I was horrified as they called many of my relatives like my wife, father, sister in law, cousins. Also, I found out a lot of my office colleagues knew about this as they received a similar call. I called and asked them who gave them authority to discuss my financial matters with anyone. On that SBI representatives informed they don’t do this and they will take action on this. I sent an email as requested by the representative. After few days my father received another call and I answered that call. On that call employee from SBI threatens me that I have to say on the recorded line that I have done a fraud and they would stop calling. Employee name was Honey Verma. When I said I am not doing any fraud else I would have never answered your call. They called 1 of my colleagues and told them to tell me that SBI is harassing him due to my payment failure. On this I wrote a formal email complaint to RBI. After 3 months from then. My wife and I started receiving calls again and this time Nisar Dar from SBI used following statements. “Grow up” “Don’t teach me manners “ “Come out of call centre “ “You owe me personally as I am SBI” “Guys like you from call centre are frauds” “People like you, should not even have an account in banks” “Call centre rats” Forced my wife if payment of 4500 is not made by tomorrow they will keep on calling. Where did they get all the contact details? Who authorised them to abuse me and harass me? Who are they to abuse my job? How can they share my private information with someone other than me?