Capital First Complaints & Reviews

This IDFC First Bank is harassing through the Collection team and charging a lot of interest and misusing their power and threatening in front of the home.
A guy called Ganapathy came in the front door making a scene and harshing everyone without rules. I have evidence of taking video of all the details. his name is Ganapathy from IDFC First Bank and his manager name is raja Sekar and mail id rajasekar.[protected]@idfcfirstbank.com. They are all thinking they are superior, ordinary civilian can't do anything. this is question mark both side safety. take action against him immediately. I will take it against my side. don't leave them easily, please . we have to educate all every bank. this is the second time. that agent name Ganapathy phone number +[protected].

i couldn't add photos. i will add immediately.

Dear Sir,

I Have Purchase Consumer Loan From Capital First And I Regularly Make EMI Front Of Loan .But Some Time The Cheque Has Been Bounce And For The Avoiding Penalty Charge I Make Installment Via Netbanking On Capital First .
But After There Are Automatically Debit Installment From My Account After 3 Days ..So Total This 3 Times My EMi Debit ( 1834*3 =5502 Rs ).Also The Bounce Penalty Charges Also Debit (400*4=1600 RS ) . Pls Cheque Into Statements.
Mo :[protected]
email Id : [protected]@gmail.com
Name : Ranjitsinh Chauhan

Respected sir/madam:
As I send my money to capital first by mistake can you refund it I am in emergency

I am facing a series of issues with idfc bank related to my ongoing personal loan.

- my loan started in q1-2018 and ecs auto deducted from the salary account in icici bank
- i changed jobs in september and parallel to this i was admitted to hospital for some complications in liver. I am actually a living liver donor since 2018 jan and since i changed job and also hospitalized, i was not able to submit emis for sept/oct.
- one collection executive approached me in nov for emi, i paid in cash and also received an sms alert after 3 days. I also requested him if he can help me in rescheduling pending emis to the end of the tenure since i was given complete bed rest till feb. He confirmed this.
- he collected documents from me in dec along with emi in case and again i received an sms alert for the same. He never returned after that.
- i sent multiple mails to ifdc bank (Capital first earlier) but never received any calls or reply.
- i received call in the month of april and they asked me to pai at least 1 emi so that they can reschedule my loan tenure, i paid that emi through paytm but again never received any communication after that.
- gang of 6 people stormed my home during the second week of may and threatened to thrash me, my kids and my parents, i explained the situation but they didn't listen to me and kept on saying that they are just bothered by emi and nothing else. I paid one emi through paytm and paid one by cash for which i never received any receipt till the date
- june 5th i paid one emi through paytm
- june 10th onwards i continuously received threatening calls to pay double emis. I called that person to my home to talk. He was a sardar and also showed his id. He was accompanied by a goon.
- he collected 12000 from me and didn't give any receipt
- he again collected 12000 in the month of july and the same two persons visited my home and didn't give any receipt.
- he again collected 12000 in the month of august and did not give any receipt.

Till now - i have all the contact details of each and every person. I never complained about this to the police because i wanted to settle everything nicely and don't want to be a defaulter.

- in august first week, one person visited my house from the bank and said that the bank never received any emi which i paid in cash, he made me talk to one lady (Collection manager - she told me) and said that sardar is actually running a collection agency and capital first was his client and the bank actually terminated his contract in april itself.

- she did a conference call with him and me and that person confirmed that he will deposit all the money to the bank in a week's time, and he did so. Bank later shared the revised statement with me although one emi is still missing from the statement.

- this lady collection manager called me in august to ask who i wanted to settle this case, i asked her the same thing i want to reschedule my remaining pending emi and start an account again. She clearly refused saying that the bank can only give full and final settlement and emi option is not available now. At this point of time only 2 emi were pending.

- and august i received two court notices (6 emi pending and complete amount settlement).

- after this i kept on convincing that lady to restart my emi but she kept on saying no and nobody from bank ever contacted me again nov onwards.

- in june of this year, one of my office colleagues contacted me and said that some woman called her and said that i took a loan from the bank in her name and now i am absconding. That collection executive called her 20-30 times and started threatening her. Legal case was filed in the hr department and iwas asked to resign due to this.

- i called this bank collection executive and asked where she got my call details, she said she has some sources to pull details from the service provider, i told her that its completely illegal and these details can only be accessible through police, cyber cell or court or any govt intelligence agencies. She said she has sources and can get these details easily. I have all the call recordings for this conversation.

- i asked her if the bank wants to settle this nicely they first need to apologize to that lady from my orrice and also need to send official mail saying that the bank will not do this ever again. She did the same and i have sms as well call recording of this apology call since i was in the conference call. Although i never received any official apology mail and due to this my full n final settlement is still pending.

- i asked the bank how they want to settle this, they said the only option i have is one time settlement. The gave me 103000 settlement amount 10000 frist emi (Which i already paid) and remaining 23000 in 4 installments.

- now i am a middle class person and single parent with 2 kids and old parents, with limited income i have to manage home, education both and this corona time things are getting harder.

I cannot go for full and final settlement and searched online and found that the bank does actually provide rescheduling options to its existing customers and since oct 2018 i am fighting for this. I am being fooled big time but various bank representatives.

Please reschedule my emis with a maximum emi of 8000 per month through ecs (Salary account) and do let me know where i need to go and what all documents i need to carry.

It's easy for you to just look at the statement which shows how much i paid and how much is still pending and what all charges the bank levied on me for defaulting ecs for so many months but agony and frustration and humiliation i faced it all written in mail above. Please do look into this matter since from my side its actually very serious in nature. I am detinafely looking for a positive response and possible mutual solution on this and continue to be a good customer.

I did the shopping by emi from flipkart pay later which every month time to time bill i submit to flipkart. Even after depositing the bill, idfc capital first missed shows on the app, so time and again a credit score is down.

Dear sir

I have taken loan from capital first in the year of 2018 and closed and issued noc, now this company is sending ecs to my bank, i dd not taken any loan after this sir, that to we are out of country, now ecs bouncing charges were debited my savings bank from july/ aug/ sep 2020 more than 8 time.. I never taken loan, i submitted letterr to this bank
They are not responded. Kindly help me to get resolve in this matter

—
Thanks & regards

Sudhakararao

I have two emi on capital first... They debiting cash on 2nd day of every month...in this september month, i deposited my amount of emi before 2nd...

After 10days a sms came... Rs 295 deducted by capital first... Why doing this?
I want a immediate refund

My name aneesh mon kg
Mail [protected]@gmail.com

Multiple issues not one. Do not know where should i start with. Initially, i wanted to swap my ach, sent documents multiple. Times no response but keep on charging the bouncing charges. I got it reverted finally in march 2020. Then it's lockdown. Opted for maritorioum. They presented a unknown amount of 5600₹ to my savings account without my knowledge. Then in september, amount was there however processed ₹590 for 9 times plus 5600₹ do not know for what. Called customer service which is charged line with increased price. Customer service could not explianed me and spent ₹15. Wrote multiple emails, twitted them, no response.in this pandemic when i am jobless still trying to meet my obligations but on top of it their collection calls omg threatening tyagi, akriti too rude.. Tum paisa kha gaye.. I asked send me email and akrity said you will get calls all the day... Wow.. It's harrassment.. I am stuck with this bank and want to know my rights and want to sue them. I am really pisses off...

My self vinay up 16 cm 0941 i submitted rest amount through online before 30 days before ago after till time to no any loan adjust to my loan account and emi as per continue as schedule i am very disappointed idfc service's please provide me resolution i am several time talk with customer care but all time says under one aur two days whole loan close
Please resolve my problem otherwise i am bound to be take a legal action against capital firstfirst.

Regards
Vinay
[protected]
Loan no. 28932652

My loan account no. 14107639

It's almost 2.5+ yrs now but till the date i've not received vehicle paper
(The papers i got are the duplicates, registered on someone else's name) paid all the emis on time, did continuous follow up also but no result, the shop from where i bought the motor is closed now.

Therefore request you to help me in this

Thanks & regards,
Sujeet tiwari

In August 2020 Rs. 295 was deducted and on September 2020 Rs. 295 was deducted unnecessarily. In this pandemic Iam facing lot of financial problems I want my amount to be refunded as soon as possible.

Dear sir,
My name is Anita deb, Account no.C[protected], mobile no.[protected]
Why is my easy buy card temporarily blocked.Please give me some good explanation for this.After making so much purchases and also repaying in time to time why my card got blocked.I am facing many problems for this.
Please try to unlock my card as soon as possible.

As per the conversation on December 2019 with the official personnel,
If I repay the amount before 10 days of the due date then my cheque will not be present on the following month and the next due date will be updated automatically. but surprise I have -8000 balance in my savings account. because these [censored]heads present the cheques thrice in a single month. and there is no one available at their customer care. it is a sht nothing else.

I am having a problem with the capital first monthly emi deduction.As I had taken four loans previous year[protected] and the capital first was not deducting the loan amount automatically from the bank account and when the date of payment arrives they won't deduct it and they call us to pay the loan amount from Paytm after the date of loan payment and once they had sended their employee at the house to collect the payment through the cheque and we had asked him that this will break our countinuity payment record or deteriorate our record but he had said that the record will not get deteriorated.But now the loan was completed but our record was deteriorated and we can't take loans no more and the capital first had sended us the message to pay the late emi payment fee.
Name-Neetu rani

Dear Sir/Madam,

I am sanjay, i have availed a two wheeler loan from your company in Nov 2015.
I paid full amount in succesive installments. My PAN number is AZJPS6960K. I need to remove hypothecation from my RC book for that NOC is required. Kindly send NOC to my current address as well as soft copy in return mail:-

Sanjay Kumar Shaw
A201
Vela Enclave
Porwal Road
Lohegaon
Pune-411047

My address proof and Pan card copy attached with this mail.

Sanjay Kumar Shaw

Dear,
I would like to grab your attention towards one of my problems
My card no. 11614217 is been shown blocked at the sale shops and i have tried to reach to you several time but your customer care no. line is busy all the time.

All of my dues and EMI are been cleared by my side and i am to having the transaction record of all the EMI payments but i am unable to use it
So, Please help me by solving this problem as soon as possible

I would me thankful of you.

I had taken loan from idfc till now not even a single check bounce in my account then why my card has been blocked

Please sir meri help krre mujhe two wheeler ka noc chayiye past 3year loan close ho chuka h m mail v or chuka hu but koi revert nhi aya

Dear sir,

My two wheeler loan account number[protected], is clear i have some personal problem i want to sale my bike please sir, mam
Please give me noc to my bike.

Thanks

My capital first which got activated in may has been blocked may i know the reason behind it. Im clearing my emi's every month without fail but still ut has been blocked