IDFC first bank - Incorrect CIBIl reporting by IDFC Bank
Chinmaychiranjeeb Nayak filed complaint against IDFC first bank on Apr 2, 2022
Hi,
I have purchased some item from Flipkart Pay later for which IDFC first bank is the lending partner.
From day one of using Flipkart pay later, I never delayed any repayment that can be clearly visible from my flipkart pay later dashboard, till March'** all the dues has been cleared.
In the last week of March'** when I was checking my CIBIL report, I got to know that there is a IDFC bank overdue loan of Rs**** and the last reportee date by IDFC bank was **/**/****, I checked in IDFC bank portal, and I saw there are * loan accounts ********, ******** (Rs ****), ******** (Re ***), ********(Rs***) and ******** (Rs ****, monthly EMI ****) shows EMI payment missed and overdue. Since I have not taken any direct loan from IDFC bank and all these transactions done through flipkart paylater, so I checked with IDFC bank customer service team, they also confirmed that these are flipkart pay later transaction those are not paid off.
I was like, "what!!!!!!!...seriously...."
I emailed them all the screenshots of monthly payment I have made towards my Paylater account and sent the flipkart Paylater dashboard screenshot as well, where it shows due till March is cleared.
IDFC bank created a case ID #**********, and they asked me to wait for * working days , they will give me an update and it might take ** days for the credit report to get update.
I also checked with flipkart they are also waiting for an update from the bank. Since I didn't receive any update from the bank I reached out to there CS again amd they are saying we are still waiting for an update.
Due to all this mesh created by IDFC bank my credit score falled down to *** and I'm not eligible for any personal loan, without even doing anything.
Please help me in getting this resolved, I'm nit able ti figure out hiw to tackle this situation.
I have attacher the reference screenshots, that all I have.
Please help.
Thousands of customers like you have trusted Voxya to resolve their issues
I am very pleased with Voxya. They helped me resolve my issue without much hassle. Very impressed and satisfied.
- Preeti Anandan
My two years of blood & sweat got valued finally with Voxya. I got a full refund with no hustle after they received notice.
- Sachin A Rosario
Are you facing
similar issue?
File a Complaint today and let our
experts help you in taking
legal action and getting resolution.
Related Complaints
Aman Jain on Feb 29, 2024
IDFC first bank – IDFC account Debit restricted Closed
IDFC account Debit restricted. Not able to transact. Called bank manager they are telling out of pattern transcation, not giving clear justification
Pranav Taneja on Jan 26, 2024
IDFC first bank – Savings Account on Total Freeze Closed
Hi My name is Pranav. IDFC First Bank has put a "Total Freeze" on my Savings and its been a week and no information pertaining to the Total Freeze has been provided to me by the bank. The branch has mailed th...
Kuwar bahadur singh on Jan 26, 2024
IDFC first bank – Payment related pay later Closed
I mean the price of Flipkart pay later is **** rupees, it has been done on **/**/**** but it has not been updated yet or IDFC first bank customer care is not supporting any Flipkart customer.
Mohan on Dec 7, 2023
IDFC first bank – Bank account freezeClosed
My bank account is freezed need your help to unfreeze
Monika manglani on Mar 14, 2023
IDFC first bank – Refund not reflect in my account Closed
I purchase * pair shoes from Amazon on **/**/**** amount ***** and amazon cancelled * shoes amount ***** and they said initiate the refund on **/**/**** but that amount not reflected in my account. I already fill ch...