CreditMantri — Unfair Additional Charges on Credit Improvement Service

Address: CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002

I received a WhatsApp message from Credit Mantri on Feb 01, 2025 regarding closing my negative accounts and becoming eligible for future loans. The message stated:

Hello KARISHMA,

We've noticed a change in your Credit Score, which now stands at 725.

Have you missed any recent EMI payments on your loan? Our Credit Coach can assist you. Discover how our Credit Improvement Service can help resolve your negative account(s)!

Interested in learning more? Click weurl.co/AMjGgh for additional information.

If you don't want to receive updates on WhatsApp, please reply "STOP" to this message.

Regards,
CreditMantri Team

Believing this to be a genuine service, I made a payment of Rs. 1, 870 on Feb 2, 2025 through the provided link to resolve my negative account. Shortly after, I received a call from a representative named Anusha, who guided me through the next steps.

However, during the process, she directed me to another payment page requesting an additional Rs. 808. When I questioned why another payment was needed after I had already paid for my negative account resolution, she claimed that a report had been generated from the bureau and that a new report needed to be created.

I argued that this should have been included in the initial payment of Rs. 1, 870, as it was meant to resolve my issue completely. She kept insisting that to complete the procedure, I had to make this additional payment. When I pointed out that this requirement was never mentioned before, she argued that I should have spoken to an agent before making the initial payment. I countered that nowhere in the message was it stated that prior consultation with an agent was required. She continued to insist otherwise, even when I offered to send a snapshot of the message.

This situation feels like a scam, as they are now demanding additional payments to complete the initial request—something that was never disclosed upfront.

I would like to get a full refund or my issue resolved with no additional payment.