[Resolved] Kissht — kissht steal my personal data and blackmailing me to pay the unnecessary charges or they'll use my personal data

2 Reviews
Chandigarh, Punjab, India
 uppal.singh on Nov 29, 2019
I was browsing some small loan apps and i found this 'kissht' app then i apply for the loan.
They approved 3000 inr of loan for 15 days and i only have to provide them my selfie, adhar, pan that's it.
They didn't mention any extra charges or anything when i was going to apply for the loan, i thought the approved loan amount is 3000 inr, if i get it i may only have to pay some interest or other charges which can be maximum of 200-300 maximum.
When i applied the loan, they approved it instantly and told me that amount will be credited within few minutes.
I wait for an hour but they didn't process the amount, then after 3-4 hours, they transferred money into my bank account and guest what? They approved 3000 inr of loan but they only transferred 2381 inr into my bank account. That means, the interest and other charges of 3k loan is 619 for 15 days.
When i figured out the charges, i immediately contacted them and ask them to take the money back i don't need it and i won't pay that huge amount. But no one responded me for several days.

First of all, they didn't process the loan amount when i need it, i applied at 7 pm after waiting for 2 hours they didn't transferred the money and when i arrange from somewhere else? They transferred the money without asking me whether i need it or not.
Secondly, when i applied the loan they didn't tell me anything that they'll give me only 2381 our of 3000 inr and they will charge me 619 inr just for 2381 inr of loan for 15 days. If they would've told me this before, i wouldn't even apply for it.
Third, i started contacting them right away when they transferred the money but no one responded me but when the due date reached, they started asking me to pay back with huge unnecessary amount.

When i said, i won't pay that huge amount of charges just for 2381 inr of loan the person from customer care said, they've my whole contact list (Which they accesses from my phone when i installed their app) and if i don't pay the loan amount? They started blackmailing me saying that they'll call to each and every person on my contact list. First of all, how can these people steal all the contact numbers from my phone? How they can steal my private data? And now they're blackmailing me if i don't pay the whole amount (I got 2381 inr but now they're asking me to pay 3400 inr) they'll start calling everyone in my contact list even they already start doing that, some of my friends were calling me.

This is really frustrating and i need immediate action against these frauds. If they took my whole contact list, we can't even imagine what other things they've took from my phone? Even our bank details, our personal images or it can be anything.
Even, they can sell my contact list to any other company for marketing purposes.
If anyone anyone steal my single penny from my bank account or anywhere? I won't leave this company for sure. I'll provide all of my document to my lawyer tomorrow and i want to sue this company for stealing my personal data but before that, i want immediate action and i wanted to tell this to whole world to beware of this fraud company.

Complaint marked as Resolved Jan 4, 2020

Complaint Status

[Dec 01, 2019] Kissht customer support has been notified about the posted complaint.
Verified Support
Kissht Customer Care's response, Dec 04, 2019
Dear Sir/Madam,

Sorry for the inconvenience caused to you.

We regret to inform you that we are unable to find your details.

We suggest you to kindly share your registered contact details on [protected]@kissht.com so that we can check and assist you.
Thank You!
Complaint comments  1 Comment     Updated: Share0Tweet0

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I get loan from kissht app. my due date is 4/12/2019, i payed 01/12/2019, i paid via google pay upi id. but still amount payed. here attached paid screenshot. hot i solve it.

Note: daily distrup more then 20 phone calls and message

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    +91 22 3997 1977 [OnEMI Technology Solutions Pvt. Ltd.]
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    202 Peninsula Centre, Parel, Mumbai, Maharashtra, India - 400012
    Kissht - kissht steal my personal data and blackmailing me to pay the unnecessary charges or they'll use my personal data