Flipkart Pay Later by IDFC First Bank CARELESSNESS & Shady Practice reflecting on Credit Score CIBIL
- 8742
- 37
-
- Last Comment
Hi Guys!!
I have been member of this forum for a long time and has helped me in saving most of my dime!!
But this is regarding my unfortunate event that has happened with Credit Score when I went to Bank for loan.
When the bank took my credit score report from CRIF it showed low risk category but under personal loan section it mentioned Written off Rs.500 and borrowed 5000 and paid 11,000. Due is 500 and written off. This itself is contradictory.
The banker asked me to give statement regarding this written off. I was shocked to see that there was default of 500. But in the report it never mentions the bank name or from whom you have taken. Then after checking all my mails and permutation and combination still nothing happened. Later I remembered Cred giving my score as well as showing where I am lending.
Then realized the culprit was Flipkart Pay Later by IDFC First Bank which has done this shady business and recklessness of putting incorrect information.
I tried contacting FK customer care thrice, first time they said to contact IDFC. Contacted IDFC they said I don’t have the account with them. Later again asked FK for providing me the loan statement she said shell look into it and after 20 mins cut my call after putting hold. Again called IDFC they said at least give Pay later account identification. Again called FK they said they don’t have any info on this.
After this I wrote mail to IDFC nodal officer, they replied it will be resolved in 2 days . Its 3rd working day nothing happened.
I had to apply loan and everything is up to date and no default till date. Yet these idiots have put incorrect data and I am stuck for their mistake!
Hence my sincere request to you guys keep checking your score either on cred or registered website and check on active loans and under that check due.
My all these years of savings went in vain just like that! My 10 lakh of loan is stuck bcos of this false Rs.500.
I read previous threads on this platform, it has happened to them also. If any one can help me in this regard it will be really grateful!
And my sincere request never ever use these pay later platforms, after this incident i read many blogs it has happened to lot of people. Use credit card or digital cash(upi or debit card).
- Sort By
other than ICICI Paylater
is icici that good at this?
will do it
Have Your Cibil Report Checked Regularly.
Must for everyone to be on safe side as to no other card/loan has got issued against your name
Also to check for any faults
I took loan from cred (cred cash and IDFC bank) amount is already paid back 4 months before but still in cibil it shows as 1 re due. I was taking it lightly but i think time to get into action now.
And OP i think culprit is idfc
u should write RBI, FK is always customer unfriendly, have seen many people FK accounts were blocked and they were even NOT allowed to pay paylater dues, pathetic, FK is very dictatorial.
They lost my shipment once and always calling me to cancel order such cheaters, Amazon much much better, though it also started cheating in the name of offer collect/CB etc so confusing
Reading the thread is very scary
I have amzpaylayer, fk pay later and ola Postpaid
All dues are cleared, rather rarely they have been used
How to close all 3?
You must be able to view account number of your IDFC loan account in your cibil or in experia that comes to cred registered mail.. note that call IDFC register complain saying no dues but still showing like this.. they will register complain but since it is related to cibil it may take time( for RBL card closure status on cibil it took 60 days after I received noc)
Thanks a ton mate!!
I searched now in my mail regarding this and guess what, I had requested report last year from CRED and it has the most important account number and also showing no dues till last year. Now will call IDFC and will resolve. hope today is not a holiday for them!
Thank you so much 
, you solved my 90% of the problem. Have a happy day!
Even in Credit score for me showing Loan Amount is 500 Only.
While my Flipkart Pay Later is Expired 1 Year ago (KYC not completed)
But still showing active in Credit Score
Is there any harm in future because of this ??
I mailed IDFC 6 months ago no response from them
First contact Flipkart and wait for flipkart pay later service remove from your account & then login at CIBIL & Dispute it.
I did same to remove Paytm postpaid & flipkart pay later service.
Same is the case with Amazon Pay Later. Have received many msg regarding their incorrect reporting and due to which CIBIL is hampered. So keep checking the score and reporting any discrepancies at the earliest option if you are using these.
May I know how?? Could you please explain?
Ye to tension wali baat hai o.O
Mobikwik Payzip later lender Cred Incorporation is number one in the list
All my paid bimonthly dues are showing overdues and even showing 11 seperate loan accounts under 1 pan card
Hello People!
I had raised the issue with IDFC Bank regarding this and they didnot respond and on the last 30th day they sent me Rs. 5000 fine randomly and closed the case.
So I took the case to RBI and after 45 days the IDFC bank called and said they will rectify the error and after 60th day the errors were removed and accepted the error was part of IDFC bank mistake. So far in CIBIL there is no error but other bureaus the error still exists.
If some one are in the same situation the solution is to raise the issue with RBI and wait for 2-3 months and the bank will rectify.
Thank You all Dimers for supporting!
Thanks for posting the update 
Due to late payment of 'flipkart pay later' of rupees 1024/- paid payment successful
now i have paid anyhow that amount in app flipkart. But it is still showing in my cibil as negative impact by IDFC bank, this is creating my pay later account deactive bil payment receipt mail fast
Kindly Resolve this issue. I'll be grateful to you.
My Flipkart pay later payment is still showing in cibil negative account kindly clear my problem sir
Flipkart and idfc both is fraud and in Hindi CHOR
![KOHINOOR : Extra Long Basmati Rice and other items [location speciic]](https://cdn2.desidime.com/topics/photos/1881545/medium/Screenshot2024-11-18at10.37.49PM.png?1731950236)
the only thing to remember is, other than ICICI Paylater, all other similar loan services can damage your credit rating very very badly. stay away from them.