I am filing this public complaint against Clix Capital Services Pvt. Ltd. (ClixFin) and Paytm (One97 Communications Ltd.) for financial misconduct, wrong NOC issuance, misleading communication, and mental harassment over several years.
1️⃣ Loan and Account Details
Loan Type: Paytm Postpaid / Consumer Loan (via ClixFin)
Loan Account Number:[protected]
Ownership: Individual
Original Loan Amount: ₹3, 000
Settlement Amount Paid: ₹15, 000 on 10 October 2025
NOC Issue Date (Incorrect): 17 October 2025
Despite making full and final settlement, my CIBIL report still shows:
Current Balance: ₹9, 139
Amount Overdue: ₹8, 460
This is false and has damaged my credit score and reputation.
2️⃣ Incorrect and Fraudulent NOC
Clix Capital issued a No Objection Certificate (NOC) in the wrong name — “Ram Sahani” instead of “Ram Ratan Sahani”, even though my Aadhaar and PAN show the correct name.
I requested correction multiple times, but no action was taken. This indicates negligence and data mismatch.
3️⃣ Misleading Communication & Access Denial
I have received multiple official emails from Clix stating “Case ID closed successfully”, but when I try to log in to their portal https://my.clix.capital/login, it shows an alert:
“Email ID or mobile number not registered with Clix Capital.”
This is contradictory and misleading — they recognize my data enough to email me but deny me access to verify records.
4️⃣ Long-Term Negligence and Harassment
For over 4–5 years, I have been contacting Paytm and Clix Capital for resolution through:
Emails and complaint tickets
Paytm customer care calls
Social media escalations (Twitter/X)
RBI and Consumer complaints
No genuine response has been provided. This continuous negligence has caused:
Mental stress and frustration
Loss of time and productivity
Health issues due to harassment
Credit score drop and financial damage
5️⃣ Paytm App Shows False Loan Dues
Even after paying ₹15, 000 to settle a ₹3, 000 loan, Paytm’s Postpaid section still shows inflated dues of around ₹90, 000.
This is a serious issue of data integrity and false reporting.
6️⃣ Proofs Attached
Incorrect NOC (wrong name)
Proof of ₹15, 000 payment to Clix Capital
CIBIL report showing false overdue amount
Communication trail (emails, social media, calls)
Paytm app screenshot showing inflated dues
7️⃣ Relief Requested
I request India Consumer Forum and concerned authorities to help ensure:
A corrected NOC with my proper name (Ram Ratan Sahani).
CIBIL / bureau update marking the account as Closed – Fully Paid.
Action against Clix Capital / Paytm for false reporting and misleading communications.
Compensation for financial loss, mental harassment, and damage to my credit history.
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