Capital First Complaints & Reviews

Capital first is a fraud company. In the month of July 2014 I have purchased a two wheelar and financed by capital first ltd. There were 18 Emi's for the loan and I cleared all Emi to the company.

At the time of last Emi, on the date of emi deduction few rupped got shorted in my account and on the next day I filled my account and maintained.

I got the call from Capital first, they said, now it is not possible to deduct the EMI from your account, I told them, i have funds in my account, deduct from there.
Girl on the call told me that, I have to pay 2364 rs in cash, for this she will send their executive at my address and she promised me if i will give cash than they will not charge me any late payment or emi bounce charge. I agreed and made cash payment.

But I never received NOC letter from Capital first to get my original RC for the two wheelar. Now, 19 December 2016, I called to capital first and they are saying, 800 ruppee pending payment from my side for emi bounce. This is disgusting service from them. They are layers and fake.

My registered phone number with the company is [protected], by this number they can get my details. My vehical number is HR26CH5980 Honda Activa.

My registered email id with them, sandeepsoni.[protected]@rediffmail.com

His is regarding Account Number- 6244784.

I had an EMI of 6, 478/- of 5th Dec however since I was out of station I couldn't transfer amount as this is not my salaried account. I tried to call customer care many times on[protected] however this was not reachable.

I had sufficient balance on 6th Dec however there was no EMI taken for the 2nd time and now I'm having to pay 7, 678 due to missing the EMI. I repeat myself that I had sufficient balance on 6th Dec.

I'm extremely disappoint that I've to pay a fine when there was no proper customer service provided to me as the customer service number was not reachable. It is still not reachable, I tried calling today.

Finally I'm writing this email to make sure that this interest amount is removed so that I can pay my regular EMI of 6478.

Hoping that you will prioritize customers need and satisfaction.

Also, there is no response from customer.[protected]@capitalfirst.com ?

Why is the customer service so poor, are you guys not concerned about customers needs ?

Hello team,

You guys give me call only when i post here. It is been more 2 months, but still not got any resolution for my compalint on wrong emi calculation.

I have spoken to each one in your head office, nobody is of No help. The last person to follow up on my complaint was KARTHIKEYN, But he also of no help.

Here is the list of people handled my case, Seems all are sleeping on my case, or no one is bothered about the customer complaint.

Mr. Adil (Head Office)
Mr. Manju - Regional manager, (Bangalore)
Mr. Anish matthew - Area sales manger (Bangalore)
Nikitah - (Head office)
Karthikeyn

No idea how many people you guys would have looted like this.

This is a fraud company.

Would appreciate a response.

Regards,
Sendil j
+91 [protected]

Hi,

I had a consumer durable loan and the loan details mentioned here under:

Agreement no : 4993553
Agreement date : 17-dec-15
Loan amount (inr) : 16, 000
Tenure (months) : 10
Emi (inr) : 2, 000
No. of advance emi : 2
First emi due on : 05-feb-2016

And at present the loan is closed without any late payment of emi. but, still i haven't got the ebc (easy buy card). please send my ebc.

Thanks!

Name : yashpal singh
Email : [protected]@gmail.com

Dear Sir/Madam
Please Give me Back My Capital First Card
Many times I taken Loan form Our Capital First .
i have the card number but i do not have physically card many i went capital first office but thay are said OK sir we will issue the new card but till i did not got please as for as possible return back my card. because of i would like take loan .
Thanks&Regards
Yadagiri malloju
[protected]

Hi Team,

This is regarding my loan account 4999427.

I am trying for home loan and I applied in HDFC bank, but they are telling me that there is an overdue amount of Rs. 1600 towards penal charges. This is a surprise to me.

Actually, earlier my salary account was with RBS bank and as you know this bank has shutdown it’s services since August 2016.

In June/July (I don’t remember exactly), one of your executives visited my place and took signature from me on ECS form so that the next EMI can get deducted from my new salary account (HDFC bank).

He also confirmed that I don’t have to do anything more and it will be taken care from his end.

But, again looks like the ECS went through my old RBS bank account instead of HDFC bank and hence it got bounced back as insufficient funds as the RBS services were shut down.

Now, request you to remove the overdue charges on my loan account as it was not my mistake.

Thank you in advance and kindly let me know if you need more details or you may call me on [protected] for discussion, if needed.

Regards,
Rajesh
[protected]

This is the worst experience of mine in getting a simple loan of 100000. Everything is done and i have signed the agreement. Capitalfirst took 13 signed cheques from me and its been more than 10 days capital first do not even update me what are they doing with my signed cheques. Even when i called their relationship manager vishal tiwari
Relationship manager – personal loan
He never picks the call or has blocked my number and is always busy. He neither even calls back. This is the worst experience i ever had. What are you guys doing with my cheques, are your people genuine or fake?? Are you misusing my details and cheques?? I need an answer

I used to receive calls from capital first stating i do have still 2 emi's pending. I went to the bangalore kormangala branch for a clarification as it is effecting my cibil since a long period of time. And got it clarified i have already paid my 9 emi's for the loan as i have paid 3 emi's in advance and i do have the receipt still with me.
They are not able to retrive the information and saying its too old data they have to check as hwo it still shows two emi's pending. They dont have a track of it.

I have visited the bangalore branch several times where no one is ready to solve the issue or eager to help. After the confirmation that i have already paid the amount, when i showed the receipts and all the evidences i do have.

I am writing this complaint because this loan i have taken in 2012 and today we are in 2016 i got information from my cibil score card some amount to be paid for which my cibil score is not ok.
I have a question to capital first if i have to give money to capital first should inform to us or you don't bother about customers.

Again today i have been charged four ecs from my account for no reasons which is of 16, 984.00

My humble request to the team to clear and clarify it as soon as possible as i am in need to get my cibil updated that i can apply for a loan.

Dear sir
i am very sorry to complain you that i need a car loan account statement for this financial year as i have to submit my it returns
i am repeatedly calling your toll free no but that no is not in service.if i call land line in Mumbai nobody is responding they put my call on hold for hours together is this the way you serve the customers ? i am very sorry to say this.
till know nobody has informed about my login id & password
i request you to please provide me all the details within 24 hrs
thanking you
H.P.Mohankumar
[protected]
loan account no 5383533

I had taken a Consumer Loan (8 EMI option) while buying a Washing machine (17000) and Microwave oven (Rs.11000) from giriasindia (Basavangudi branch) Bangalore.

Initially when I took the loan, I have paid the down payment for both the loans.

Down payment paid for Loan Account No: 8140604 for Rs.17000 is Rs. 1300
Down payment paid for Loan Account No: 8140661 for Rs. 11001 is Rs. 1070

But when I login to my Capital first account it says I have to pay 2125*8= 17000 and 1376*8= 11008. i.e the full loan amount.

Now My question is what about the down payment I made? I have attached the bills for your reference.

This looks like fraud. Need someone to look at this immediately and get back to me.

Not a happy customer

Regards,
Sendil J
+91 [protected]

Thanks for your information on past convertsion. LAN 4422004 frm capital first as per your policy your not providing a Emi card for me. Ok then why are you block the my all credentials ill paid the all amount on your accounts overdue and CB charges nearly 20.000/- ill take the loan of 50.000/- from you. Il get the noc also from your end Please resolve the my issue asap I'm applying any loans its rejected I'm unable to get any loans or credit card

My name is Akshay Katkar. Many times I have received message from capital first for pre closure of loan without any charges.
I have visited your pune branch for changing ecs from Citi bank to SBI. They suggested me to give post dated cheque instead of doing ecs as my remaining loan period is very less (6 months). As suggested I gave him post dated cheque.
Today I just saw statement wherein I see some swap charges of Rs 500 levied on 27/10/2016 with narration pdc swap charges -due.
My concern is why this charges are levied. I have not informed by their representative while accepting my cheque. If I would have informed I would hv closed my loan on that point only.
Am not going to pay such charges. I don't want any issue when I closed my loan.
Requesting you all to look into same.

Hi,

My agreement No : 5076522.

Capital fist has been settled 41, 000 to close my account and i received settlement form also. i have paid the amount of 41, 000 on 21st Oct 2016.

i called to Kaushik (Koramangala, Bangalore) from capital fist, he said nothing pending from him i need to follow up with Customer Care and i called to customer care 15 days back they asked me to send settlement form and i have sent also, again yesterday i called to customer care again they asked me to send settlement for.

Still my account is showing active, requesting you to conclude this.

I did not got easy buy card from finance company
I have received massage from finance company that dear customer, thank you for applying for easy buy card with us. Your card has been dispatched via @ Indiapost by 11 Nov-16 subject to regular and prompt emi payments. Capital first
But after regular paying my emi i m not got my card, it is six months over.
So pls send my card
My loan number is -LAN-5701724
Thank you your's faithfully
Tama Paul

Hi Team,

My loan # is 2594122. I do not have any late payments on my loan. I have also cleared one of the loans already. Today I am surprised to see that my card (card# 1476113), has been temporarily blocked for no reason.when I contacted capital one customer care, the customer care Agent and the supervisor spoke very rudely, they do not have any answer other than " blocked for internal purposes for 90 days " . I need an answer, I need my card activated, I am in need of another consumer product. Kindly help to activate my card ASAP. As you have noticed I have no late payments on my loans. Im wondering why is my card blocked.

When applied for HOME Loan from HDCF in year 2012,
I came to know from CIBIL and HDFC

That there is some consumer loan outstanding against me as per the below

details.

The details provided by CIBIL


SrNo Member Name Account Number


1 FCFSL 317821


The details provided by HDFC


Control Number :[protected]


1) Type of Loan : Consumer Loan

Date opened : 28.08.2011

Current Balance : Rs. 36416

Amount Overdue : Rs. 13600

Delay in payment seen : from Oct 2011- Feb 2012 between 26-146 days/


As per my understanding FCFSL is Future Capital Financial Service Ltd.


and I had not taken any consumer loan from the same .


Also on speaking to customer care Executive


I was provided following details

Loan Agreement No. 379184

dated 22/08/2011 for LG LCD purchased at Big Bazar Kandivali Store .

the Address Provided is of Amul Nagar -Kandivli, Where as I Stay at
Goregaon.

Amount -Rs 29916


I Had asked for guidance and to provide valuable support in resolving the issue from Deepa A, Nilkanth Parab from Future Capital to help me in providing following Details .


1. Documents submitted at the time of application of loan


2. Mail from the collection team that the loan applicant had given
forged documents
Scan copy of Loan agreement and forged Documents submitted at the time of application of loan .

Mail from Customer care executive, confirm me that they are forwarding my request to our concern team to correct your CIBIL records. And will update me once we receive confirmation from CIBIL.

There were 19 Fraud Cases from month Aug 2011 to Oct 2011, Document of Employes of Future Group were missued for Fraud Loan, one of this was of the VP Rand, only his CIBIL Record was cleared on special request .

My Self was Employee of Future Group Since Dec2010 to Nov 2012, Nothing is done so far for Me, nor My CIBIL Record is cleared .

I am getting harassment calls from Capital First executives Mr Praksh Yadav for repayment of loan amount from No[protected] .

Earlier on 25 April 2016 i have received mail from below stated mail id and contact person, to whom i have replied with earlier correspondence .

Mr. Sunil Gaikwad.
Dy Manager - Coll Mumbai
Capital First Limited.
401-407, 4th Floor, A Wing, Technopolis Knowledge Centre, Mahakali Caves Road, Andheri
(E), Mumbai - 400 093 | Mobile: +91 [protected] .
Mail id : sunil.[protected]@capfirst.com

Regards
Vinayak Sawant

Dear Sir & Team,

i am syed from Hyderabad i held four loans from capital first consumer durable loans, its also cleared settlement and ill get the NOC also but i went took new product at dealer at the time they told my easy buy card was permanently blocked your not eligible for took any loans. i am get the sms from capital first Dear Customer Your Easy Buy Card no 1734848 Unblocked Please Contact Capital First. ill asking local team in banjara hills office they are not response properly call to customer care only. apart from that my CIBIL is 730 and i am unable to getting any credit card and personal loans also so many times its rejected. Please Resolve me my issue asap. my email [protected]@gmail.com

My name Ravi s, card number is[protected] Last week We applied for personal loan but there is no response from Ur side whether it is approved r rejected so please inform what happened... We hoped lot in Ur company but now we are getting very bad opinion on Ur company, so please understand our problem we eagerly waiting for Ur feedback so as early as possible . This loan is urgently needed for us so don't ignore ...Reply [protected]@... [protected]@gmail.com
Mobile No:[protected]

Hi. Mera loan nob -4827952. Mera 11mahine hogaye hai. Muje abhi tak emi card nehi mila hai. Pls muje mera card bhijawane ki karpa kare kyo ki mere 3 dost bhi aap k yahi se loadn leme ka soch rahe hai par mera emi card nahi aaya to vo bhi apna man kam bana rahe hai ku ye kisi company hai jo card hi nahi bhejti hai pls aap mard bhej denge to vo bhi loan le lenge kyo ki mera emi card dekh kar unko vishwash ho jaye ga or vo loan le lenge.. Or me ek or loan le lunga agar card mujhe mi;l gaya to pls mujhe card jadi bhijwani ki karipa kare or gar ho sake to aap mujhe call kar k inform kare ki mera card abhi tak kyo nahi mil paya hai me aap k call k intjar me hu...

Name - sandeep jadhav
Vill - 150, jhanda chok pedmi post pedmi
Dist.- indore
Pin - 452020
Lone no - 4827952
Mobile no. [protected]
Email id - sandeep. [protected]@gmail.com

Dear Sir,
I’m writing you to request about my loan Acc No. 3962633. This is to inform you that I missed an EMI of this account number in April Month… Payment of Rs 1912/- and EMI Ending date is 5 May 2016.
1. I paid missed EMI Amount On[protected] with fine of Rs 400/-. Total Amount Paid by me on 19 May is Rs 2312/-.
2. But When I tried to download NOC it shows that NOC can be provided after Loan Maturity Date only.
3. That’s means as per your records this bounced Emi is not submitted by me. But for your kind information I would like to inform you that again It was submitted by me on 19 may an amount of Rs 2312 and I have full and final closer letter gave by your side. Ref No. Delhi/May’16/A081.
4. And now you blocked my EMI Card also due to payment pending of above loan account which is not correct.
5. Check your record after bounced this emi I purchase 2 AC on that EMI Card and one Is force closed by me by paying full amount. (when my intention is not pay that Emi only of Rs 1912 so how im paid 50, 000/- cash payment to you).
6. Finally please check this case and confirm me same and full and Final Closure for Loan Account Number – 3962633 attached with this mail.
7. Also I mentioned your executive mobile number who received money from me [protected]. Check it and update your record that I’m not defaulter of Missed EMI and Open my Capital first Blocked card and issue me NOC of clearance dues of Loan Account Number 3962633.
8. So that I Can maintain my best Cibil Score
9. Also My closed loans 5808031 & 6344514 (Force closed by me). Please provide me Noc of these Closed accounts.
10. Otherwise I have to take legal action against you that your company tried to break my CIBIL score as a good customer …. Because payment already paid by me and you were not update it in your records.
11. Also due to this missed EMI your company tried to clear this amount on another date:-
Means…. EMI missed on 6 April 2016.
And without any information company tried to clear it again on 26 April and this time it was did by two times by your side and I Charged Rs 255 two times by my bank and my bank told me that it was did by Capital First not by their side. So That due to you guys I charged Rs 500 extra for bounced EMI and nobody called me Mail me and messaging me first inform to clear this EMI. So who will pay this amount and show me records that you called me mail me and msg me before clearing this EMI from my Bank. Or else ready to pay this charge. Or show me records that it was not your mistake.
12. Kindly look into this matter and I ‘m looking forward your response
13. All the above matter already send to you by mail but nobody gave me response but now I’m not in good mood. And I will take legal action against you to make my Bad CIBIL Score due to your mistake. (I Paid missed EMI but your company not update it in your Records)
Check attached files also

Thanks & Regards
Guarav Dutta