Complaint Details

Status	:	Un-Resolved
Complaint No	:	0157248/2026
Category	:	Banking
Date	:	23-06-2026
Subject Line	:	DEFICIENCY IN SERVICE,HARASSMENT, PRIVACY VIOLATION, UNAUTHORIZED DISCLOSURE OF PERSONAL INFORMATION
Complainant	:	Charudatta Rahaney
Address	:	B 301, Bhakti Avenue, Plot No 3B Sector 46 A, Seawoods Navi Mumbai, Above Wellness Forever
Complainee	:	Aman Fincap Limited
Address	:	2nd Floor, H-144, H Block, sector 63 road, Sector 63 .

Complaint Details
The Complainant had availed a loan facility from the Opposite Party and is therefore a consumer within the meaning of the Consumer Protection Act, 2019.
Due to temporary financial constraints, there was a delay in repayment of the loan. However, the Complainant never denied the liability to repay and remained in communication with the Opposite Party. The Complainant also made a part payment of ₹25,000 towards the outstanding dues, demonstrating his bona fide intention to regularize the account.
Instead of following fair and lawful recovery practices, the Opposite Party and/or persons acting on its behalf initiated a continuous campaign of harassment, intimidation, and coercion through repeated calls, WhatsApp messages, and threats from multiple mobile numbers.
The Complainant was subjected to repeated threatening communications, including threats to contact family members, references, employer, HR department, colleagues, and senior management personnel.
The conduct of the Opposite Party caused severe mental agony, emotional distress, reputational concerns, and interference with the Complainant's personal and professional life.
The Complainant repeatedly approached the Opposite Party through formal grievance emails requesting intervention, investigation of the reported recovery agents, clarification regarding access to personal information, and cessation of harassment. Despite repeated complaints, no satisfactory response was provided.
The most serious violation occurred when the Opposite Party circulated an email dated 23 June 2026 to multiple officials and employees of the Complainant's employer organization.
The said communication disclosed the Complainant's personal and employment-related information, including his name, contact details, official email address, employee code, and employer details.
The communication falsely represented that the Opposite Party was unable to establish contact with the Complainant despite ongoing correspondence, grievance submissions, and part payment made by the Complainant.
The dissemination of such information to multiple persons within the Complainant's workplace constitutes an unauthorized disclosure of personal information, invasion of privacy, unfair trade practice, and an attempt to exert pressure through public embarrassment and reputational harm.
The Complainant repeatedly sought clarification regarding how his personal and professional information was accessed, shared, and used by the Opposite Party and its recovery agents. No explanation has been provided till date.
The actions of the Opposite Party amount to:

a) Deficiency in service;

b) Unfair trade practice;

c) Harassment and intimidation of a consumer;

d) Failure to maintain confidentiality of customer information;

e) Unauthorized disclosure of personal information;

f) Failure of grievance redressal mechanism;

g) Mental harassment and emotional distress.

The Complainant has also been compelled to file complaints with the Cyber Crime Authorities and regulatory authorities due to the continued harassment and privacy concerns.

CAUSE OF ACTION

The cause of action first arose when coercive recovery calls and threatening messages were initiated by persons acting on behalf of the Opposite Party and continues to subsist on account of the ongoing harassment, unauthorized disclosures, and failure to address the Complainant's grievances.

RELIEFS SOUGHT

The Complainant respectfully prays that this Hon'ble Commission may be pleased to:

a) Direct the Opposite Party to immediately cease all coercive recovery practices and communications with third parties.

b) Direct the Opposite Party to refrain from contacting the Complainant's employer, colleagues, family members, references, or any third party.

c) Direct the Opposite Party to provide complete disclosure regarding the collection, access, processing, sharing, and use of the Complainant's personal information.

d) Direct the Opposite Party to issue a written apology for the unauthorized disclosure of personal and employment information.

e) Award compensation of ₹10,00,000 (Rupees Ten Lakhs) or such amount as deemed fit by this Hon'ble Commission towards mental agony, reputational harm, invasion of privacy, and harassment suffered by the Complainant.

f) Award litigation costs and incidental expenses.

g) Pass any other order deemed fit in the interest of justice and consumer protection.

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