Mobikwik — complaint regarding harassment and safety issues with mobikwik application

Address: Unit No. 102, 1st Floor, Block-B, Pegasus One, Golf Course Road, Sector-53, Gurugram, Haryana-122003, India

Dear Sir/Madam,
I hope this message finds you well. I am writing to bring to your attention a distressing situation I have encountered with Mobikwik regarding an instant loan I availed in August 2023.
Despite maintaining regular payments, I faced challenges with my bank account in May 2024, resulting in a delay of 10-12 days for that month's EMI. Unfortunately, during this period, I was subjected to severe harassment by Mobikwik agents via WhatsApp and phone calls. These agents not only threatened me regarding repayment but also resorted to intimidating tactics by contacting my family and coworkers, making false claims about revealing my financial situation to them. They even threatened to come to my home and office, which caused significant distress to me and my associates.
In response to this harassment, I uninstalled the Mobikwik application, only to find that their agents continued to call my contacts persistently, breaching my privacy and causing further anxiety.
My attempts to reach out to Mobikwik through calls and emails to address these issues have been futile, with no response from their concerned officers. This lack of response, combined with the unprofessional behavior of their agents, has exacerbated the situation.
Furthermore, I have observed several alarming issues with the Mobikwik application:
• It does not uphold customer privacy, as evidenced by the unauthorized access and misuse of personal information.
• The customer care executives demonstrated unprofessional and harassing behavior, which is unacceptable.
• There are apparent violations of NBFC RBI guidelines, raising concerns about the legality and ethics of Mobikwik's operations.
In light of these experiences, I caution others against using the Mobikwik application due to its safety issues and the unprofessional conduct of its agents. It is clear that Mobikwik has failed to adhere to basic customer service standards and regulatory guidelines, which is deeply concerning for any user.