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Hi everyone, I need your advice and support to expose a massive ego trip and harassment by a PSU Bank Manager in Nellore, Andhra Pradesh. I regularly help people navigate government portals and apply for MSME loans (like JanSamarth PMMY) because many local small business owners don't understand the complex procedures. Recently, I accompanied an applicant (a small vendor) to the Indian Bank, Nawabpet Branch. The applicant only speaks Telugu. The Branch Manager was speaking in Hindi/English, so I stepped in purely to translate and assist. The Manager’s ego was hurt because I knew the RBI guidelines. He forced me out of the cabin, intimidated the poor applicant, and intentionally delayed the process. The Fake CIBIL Excuse: He issued a rejection letter claiming the applicant's CIBIL is 728. The truth? The score dropped to 728 ONLY because the bank/portal made 5 back-to-back hard inquiries! We submitted proof that the applicant's current CIBIL is 757 (Very Good) and gave him a written consent letter to check it again. He completely ignored it and sent a backdated rejection letter. The Defamation (The Main Issue): To cover up his incompetence, the Manager officially wrote MY NAME in the bank's formal rejection letter! Point No. 5 of his letter literally says: "The branch has observed that the applicant is consistently accompanied by a third party, Mr. Amari Rakesh, who is reported to be discouraging the applicant from submitting documents." I am not a co-applicant. I am not a guarantor. I am just an independent citizen. How can a PSU Bank Manager misuse official bank stationery to legally defame a third party just to settle a personal ego clash? The Bot Mockery: I sent a Pre-Litigation Defamation Notice to the Indian Bank Principal Nodal Officer and MD/CEO. Their response? They addressed me with the wrong name ("Amari Prakash"). They auto-closed my complaint stating: "The branch has already given a letter on 06.06.2026. Hence complaint stands closed." Yes, they closed my complaint ABOUT the defamatory letter by citing the EXACT SAME defamatory letter as their "resolution"! I have escalated this to the RBI Ombudsman and the Ministry of Finance (DFS), but I want to expose how Indian Bank treats MSME applicants and the citizens who try to help them. Has anyone faced something like this? Can I file a criminal defamation case against the bank and the manager? Attaching all the highlighted proofs below. (Attached: Highlighted Rejection Letter, Bot Reply closing the ticket, and the 757 CIBIL proof)