[Resolved] EarlySalary — forced load asking to repay even when I don't owe anything.

SumitRoy152

from Gurgaon, Haryana

Address:

Pune, Maharashtra, 110016

My biggest mistake is to fall in their trap. I was in a mall around feb 2019 when 2 early salry reps forced me use this app and take a loan of 5000 on lieu i will get lot on benifits, cashbacks etc. I never needed a loan of 5000 for christ sake!. Anyway the misery started from then and there. I repaid the amount pretty quick in 3 installations 2 of 1700 and the third of 1500 within the timeline i selected probaly 3 months, the app or say the company gave me that liberty i guess, because i repayed early. But making that payment was not easy. I paid and they woudl like not received and again mail trail! (I never used the app again).
Now there communication, intimation, and customer service is patahetic. I still get text msgs emails that 'early salary requests a payment of 5331 rs via paytm invoice? Really?, they have done that entire year and i never get a concrete answer from them. I have asked them several times to explain me how do i owe 5331 if i took of loan of 5000 and paid 4900 as asked by your company only. They are definately not right and it seems like a scam or something. The money is not important or big, but there is definately something wrong in their practice. Till date i keep getting emails, txt, calls from them seeking money - i have emailed several times to their complain section - please don't call or txt, send me every granualr details of loans they are taking about what i have paid, everything in writing over email. But that doesn't happen ever they just send a paytm invoice 5331 due? And request money - this is really rediculas,
I seriously want somebody to intervence and whats really going on.
2 days one of their rep call and said you took a loan of 5000 paid 4900 - ok great - now you own 5331 more - when i ask how there is no answers, clarity and they are seeking my personal info bank info, which i rejected to provide.
I asked them provide my laon and repayment details but that has never happend. Earlier i use to think these might be generic msgs, email never knew this is scam. They irriated me like is for entire year via txt, calls, email and seeking money without no clarity. I am really helpless and thinking of lodging an fir for proper investigation. They are also threating me on email that it will ruin my cibil? Really? This is what they are doing. This is fraud.

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Apr 16, 2020

Complaint marked as Resolved

Dec 13, 2019

Updated by SumitRoy152 Finally i got some details from EarlySalry - Here is what they provided -

Ticket No:[protected]

Dear Sumit,

Thank you for contacting EarlySalary. We would like to inform you that you had availed a loan of FuturePay 3 EMI for Rs 5000 on[protected] . We have received an amount of Rs 1700, Rs 1700 and Rs 1500 as repayment on 03, 09,[protected] out of which Rs 1700 has been refunded back to your account on[protected] as we had received an amount for your future EMI.

The total repaid outstanding as of today is only Rs 3200 and your current overdue amount is Rs 5226.96 . There were multiple Late payment fee charged because the amount was not repaid on time.

We would also like to inform you that our executives are trying to get in touch with you for the same. If you have not received the amount refunded to your account request you to share the bank statement from[protected] to[protected].

For any further queries you can write us back at the same email ID and you can also chat with us.We would love to assist you as we value your relationship with us

Dec 13, 2019

Updated by SumitRoy152 Here is my reponse to the details EarlySlary provided.

Amit,

I am atleast pleased that somebody from EarlySalry finally made some sense. Please find answers in line and clarify.

-you had availed a loan of FuturePay 3 EMI for Rs 5000 on[protected] Great and correct.

-We have received an amount of Rs 1700, Rs 1700 and Rs 1500 as repayment on 03, 09,[protected] out of which Rs 1700 has been refunded back to your account on[protected] as we had received an amount for your future EMI. - Superb so somebody takes loan and pays early to avoid any overdues your company claims to returns one of those installments then and donot provide any intimation around it, and then keep the overdue repay amount get higher and higher so that your company can reap benefits! such great ethical practice !! - nevertheless i have attached my bank statement for month of february and there is no deposit from early salary for rs 1700 on[protected] so thats a lie. If there would have been i would have been aware. I never got any amount credited from Early salary to my account neither there was lag in my part repaying the loan.

The total repaid outstanding as of today is only Rs 3200 and your current overdue amount is Rs 5226.96 - So there was never a credit of 1700 from earlysalry to me so the claim i repaid 3200 only is false. I re-paid the full loan as i have been stating from the begining and i don't own anything.

There were multiple Late payment fee charged because the amount was not repaid on time.- Late payment ? Fraud - you confirmed i paid before the scheduled EMI and your companyclaims then they returned it which for irony never got deposited to my account as well. On top of all that you are going to charge me late payment fees? Rediculious your company lend me 5000 - i paid that back and now you ask me for 5331 again ?

Thank you for all the details nevertheless. This will help my case I have already reported the issue to consumer forum of India and will lodge an FIR as well if needed for a proper resoultion..

Thank you,

Verified Support

Dec 20, 2019

EarlySalary Customer Care's response Dear User,
Please accept our apologies for the inconvenience caused. We request you to please contact our customer care or write to us at [protected]@earlysalary.com. We will resolve your concerns with priority.

Best,
Team EarlySalary.