PROBLEM STATEMENT
It has come to my notice that your service provider for FLIPKART PAY LATER EMI has put a notice of DELAYED PAYMENT to all the CREDIT RATING AGENCIES - CIBIL, EXPERIAN, CRIF, etc.
REFERENCE
OD ID OD[protected]
- Order Amount : Rs. 4504
-Bill date: 4th Oct 2021
RECORDS
Here are the payment details:
OCT 2021
Entry date: 4th Oct 2021
Description: 1 of 3 EMI's of 1557
(There was a refund from this order of Rs. 71 - also 1 of 3 for an order returned)
Paid: Rs. 9521 on 29th OCT, so no Bill was generated.
NOV 2021
Entry date: 1st Nov 2021
Description: 2 of 3 EMI's of 1486
Bill Date: 1st Dec 2021 (pay by date: 5th Dec)
Bill Amount: Rs. 8996
Paid: 1st Dec 2021
DEC 2021
Entry date: 1st DEC 2021
Description: 3 of 3 EMI's of 1486
Bill Date: 1st Jan 2021 (pay by date: 5th Jan)
Bill Amount: Rs. 5741
Paid: 1st Jan 2021
I have attached your Bill statements for your reference.
ISSUE:
IDFC has submitted that I have made a late payment of EMI of Rs. 1, 487 by 29 days. My CIBIL SCORE has gone down by 86 points, Experian Score is down by 92 points and so on.
CONTENTION:
1] I have no direct relationship with IDFC bank. They are service providers for FLIPKART.
2] I have not made any delayed payments on my behalf to FLIPKART EMI PAY LATER. So, there should not be any CLAIM of late payment to that effect.
REMEDY:
1] FLIPKART PAY LATER EMI should communicate the same to IDFC with a copy to me, so that in case there is any issue in future, I can use it in case of any further dispute.
2] IDFC to correct the mistake and inform all the CREDIT AGENCIES to this effect. The letters of the information to these CREDIT AGENCIES, with a copy to me, so that in case there is any issue in future, I can have the proof that there was NO DELAYED PAYMENT, it was just an ERROR.
CLOSING STATEMENT:
Kindly note that I did not sign any agreement with IDFC for making the payments. I have a relationship with FLIPKART PAY LATER and FLIPKART PAY LATER EMI. I have not made any delayed payments and therefore I should not be PENALISED. I understand that there is an ERROR somewhere and it has to be rectified ASAP, as it has a MATERIAL IMPACT on my CREDIT FINANCIAL POSITION.
I[censored]rgent action is not taken, then I may not have a choice but to approach the CONSUMER COURT and ask for remedy as this is going to cost me a lot of time and delay my own projects because of the CREDIT RATING.
Regards,
Krishna Murty
[protected]
marnikrishna.[protected]@gmail.com
Flipkart customer support has been notified about the posted complaint.
Jan 11, 2022
Updated by kmmarni Have been talking to the FLIPKART ESCALATION Team every alternate date. Last communication from them was on 9th JAN, that issue has been resolved, but their service provider IDFC has not yet TAKEN ANY ACTION to communicate the CREDIT AGENCIES and also refused to change the STATUS.
SO THE ISSUE IS STILL UNRESOLVED.
Jan 21, 2022
Updated by kmmarni Despite sending several reminders - the neither the customer care nor the grievance officer or the escalation team have responded for last 11 days.
NO RESOLUTION OFFERED.
NO RESOLUTION OFFERED.