Nishanth Somu

274 posts

Nishanth Somu

Nishanth Somu

@neshanth24

Consumer rights | Credit reporting issues | Cars | Tech | Erode, Tamil Nadu

Erode, Tamil Nadu Katılım Kasım 2021
29 Takip Edilen3 Takipçiler
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Nishanth Somu
Nishanth Somu@neshanth24·
If you have EVER used Flipkart Pay Later, please check your credit report today. I found that my Flipkart Pay Later / IDFC FIRST Bank account was reported as written off, and when I investigated, the money trail did not add up. This may affect more people than they realize.
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Nishanth Somu
Nishanth Somu@neshanth24·
Update: I have now also spoken to Flipkart support. They acknowledged the issue, said it would be forwarded to the concerned team, and assured a callback/update within 24 hours. Awaiting written correction of the incorrect “written-off” reporting in CIBIL.
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Nishanth Somu
Nishanth Somu@neshanth24·
If you have EVER used Flipkart Pay Later, please check your credit report today. I found that my Flipkart Pay Later / IDFC FIRST Bank account was reported as written off, and when I investigated, the money trail did not add up. This may affect more people than they realize.
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Nishanth Somu
Nishanth Somu@neshanth24·
Update: Both parties have now officially acknowledged my complaint. IDFC FIRST Bank Case ID: 1147547785 Flipkart ID: IN26040413504696921101 Now awaiting a proper written explanation and correction of the incorrect “written-off” reporting in CIBIL. formally on record.
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Nishanth Somu
Nishanth Somu@neshanth24·
@flipkartsupport Please provide: 1. Complaint ID 2. Escalation to lending / credit reporting team 3. Written response
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FlipkartSupport
FlipkartSupport@flipkartsupport·
@neshanth24 We are extremely sorry for the issue related to the Flipkart Pay Later account. We want to sort this out for you. To get in touch with us, visit the 'Orders' page link>>select order>>'Help' (Top right corner)>>'Chat with Us'. 'Orders' page Link: fkrt.it/c5RoZGNN
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Nishanth Somu
Nishanth Somu@neshanth24·
@IDFCFIRSTBank I have already documented the issue publicly and escalated it to RBI. This concerns adverse credit reporting / written-off status linked to Flipkart Pay Later. Full thread: x.com/neshanth24/sta…
Nishanth Somu@neshanth24

If you have EVER used Flipkart Pay Later, please check your credit report today. I found that my Flipkart Pay Later / IDFC FIRST Bank account was reported as written off, and when I investigated, the money trail did not add up. This may affect more people than they realize.

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Nishanth Somu
Nishanth Somu@neshanth24·
@flipkartsupport @FlipkartSupport I already attempted this and your support chat failed to even submit the complaint. Please stop redirecting this as a standard order issue. This concerns Flipkart Pay Later / incorrect “written-off” reporting in CIBIL.
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Nishanth Somu
Nishanth Somu@neshanth24·
@flipkartsupport @FlipkartSupport Please stop routing this as a standard order issue. This is a credit reporting dispute involving Flipkart Pay Later and incorrect “written-off” reporting in CIBIL. Please confirm complaint ID and escalation to the concerned lending/bureau team.
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FlipkartSupport
FlipkartSupport@flipkartsupport·
We sincerely apologize and understand the concern related to the Flipkart Pay Later account. We see you haven't contacted our support team about your concern. Help us make this right by contacting our support team. Visit the 'Orders' page link>>select order>>'Help' (Top right corner)>>'Chat with Us'. 'Orders' page Link: fkrt.it/c5RoZGNN We are concerned as we see that you've shared order details on a social platform and the details can be misused. To ensure your privacy, please delete these details from the social platform.
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Nishanth Somu
Nishanth Somu@neshanth24·
For context: - Payments / refunds exist in the transaction trail - Yet the credit facility was reported as “Written-off” - Complaint already escalated to RBI Ombudsman This needs proper review, not a scripted closure.
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Nishanth Somu
Nishanth Somu@neshanth24·
If anyone else has used Flipkart Pay Later / IDFC FIRST Bank, please check your CIBIL report and reply if you see a similar written-off / adverse status issue. This may be bigger than a single account-level error.
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Nishanth Somu
Nishanth Somu@neshanth24·
@jagograhakjago Requesting visibility on this issue. Consumers using Flipkart Pay Later should verify how their account has been reported in their credit history. Full thread: x.com/neshanth24/sta…
Nishanth Somu@neshanth24

If you have EVER used Flipkart Pay Later, please check your credit report today. I found that my Flipkart Pay Later / IDFC FIRST Bank account was reported as written off, and when I investigated, the money trail did not add up. This may affect more people than they realize.

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Nishanth Somu
Nishanth Somu@neshanth24·
@flipkartsupport This is not an order issue. It is a credit reporting issue involving a written-off status despite refund and payment records. I will DM the details. Please escalate this to the correct Flipkart Pay Later / lending team.
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FlipkartSupport
FlipkartSupport@flipkartsupport·
@neshanth24 My deepest apologies for your experience with the order received. You can count on us to resolve your concern Flipkart Pay Later. Please help us with your Flipkart registered details, here via DM to keep your details safe. So we can look into this. Awaiting your response. twitter.com/messages/compo…
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Nishanth Somu
Nishanth Somu@neshanth24·
This is why every user of Flipkart Pay Later should check: - CIBIL / credit report - whether old refunded / cancelled orders were adjusted properly - whether any account was shown as: - overdue - settled - written off - delinquent Many people may not even know.
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Nishanth Somu
Nishanth Somu@neshanth24·
What makes this worse: I raised the issue through the proper channel. They were made aware of the reconciliation mismatch. They asked for more time. Then they still reaffirmed the negative reporting. That is a serious consumer issue.
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Nishanth Somu
Nishanth Somu@neshanth24·
The real problem is this: Even after I raised a formal dispute and gave documented proof, I was not given a transparent reconciliation showing - what exact amount was allegedly unpaid - from which date it became overdue - how refunds / reversals were adjusted - how written off
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Nishanth Somu
Nishanth Somu@neshanth24·
My issue is NOT just “bad CIBIL”. It is this: - I paid a billed cycle in full - later, one of the major transactions in that cycle was cancelled / refunded - additional cancelled / refunded transactions also existed Yet the account was still reported negatively.
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Nishanth Somu
Nishanth Somu@neshanth24·
This lack of response is unacceptable for a Platinum member. I need immediate confirmation that my reservation will not be cancelled.
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Nishanth Somu
Nishanth Somu@neshanth24·
@ALLAccor @Accor @MercureHotels ALL Platinum member here. I redeemed 4,000 ALL Reward Points for confirmed reservations at Mercure Bangkok Makkasan. Despite multiple follow-ups and escalation to Guest Relations,the hotel has failed to confirm whether my booking will be honoured
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Nishanth Somu
Nishanth Somu@neshanth24·
@AirAsiaSupport @AirAsia @airasiamove It has been 48+hours since my public escalation and 5+days since support case 214405585 was raised. Booking CHN76E cannot be cancelled due to AirAsia system error(bot disabled)on all platforms. Request immediate manual cancellation and refund
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Keşfet

@flipkartsupport @IDFCFIRSTBank @jagograhakjago @AllAccor @Accor @elonmusk @BarackObama @taylorswift13