ZestMoney Complaints & Reviews

I took a loan from Zestmoney back in 2017/2018, loan id: BUGW957256. I didnot know that my last 2 Emis did not go through so their team reachout to me in November 2021 and asked me to clear my balance (after adding all late fees and interest charges) became: Rs6, 403 which I paid on Nov 2nd, 2021. After clearing balance they sent me a No Due certificate email.

After sometime when I checked my CIBIL it had been badly hit because...

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Maine Loan Ke Liye Apply kiya 50, 000 ka usko active kar diya or Account me paisa diya hi nahi to Kyon Instant Loan Likhte hai

Or Ab Bol rahe hai ki loan Cancel nahi ho sakta hai
Jarurat thi isiliye to apply kiya tha instant loan taki kam ho sake
Ab kam nahi cancel karna chahta hoon to wo kar nahi raha hai...

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Please close my account
Name:- Kunalsing Jogendrasing Thakur
Mobile number:- [protected]

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Dear sir,
This is to inform you that I have placed an order for the ASUS VIVOBOOK 15. But the order is in pending status for the last 24 hour and my money is also deducted from my zest money. Kindly look into this issue and confirm my order as soon as possible. My flipkart order number is:-OD[protected]. ZEST money Order Id: A0B274023Z02 . I am attaching a screenshot for your reference. As the order is cancelled from flipkart. Kindly update my zest money wallet. So that I can place an order again.
Thank you
Subhajit Dey

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Never ever use ZestMoney if you don't want your CIBIL score to go down. I paid all my bills before time, I was one of the highest users of ZestMoney but now when I checked my CIBIL report, ZestMoney has messed it up all for me. It is showing an overdue balance and impacting my CIBIL. These guys messed up my CIBIL big time. IT WAS A HUGE MISTAKE USING ZEST MONEY IN THE FIRST PLACE. Pathetic service and messed up Customer care.
I am doing back n forth for the last one month but these people have pathetic customer service and are not able to do anything in CIBIL that they have messed up in the first place.
Zestmoney-you should be ashamed of yourself.

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Ujjwal Roy

from Patna, Bihar

Aug 9, 2022

Credit limit freezes from last 8months without any reason

Hi I am using zest money from last 3-4 years.
Bt from last 1 year they are playing game with customers.

They freezes my credit limit approx 8months ago and on asking the reason they only tell that it is temporary...and it will unfreez as soon as possible.

Bt it's been 8months now ...they keep saying the same words that is as soon as possible...

And on requesting them to transfer call to seniors than also they are not allowing me to talk to seniors...only saying is senior is busy in other calls...

And from last 8months they are not even clearing me the reason...only saying that it is temporary...don't know why they are doing this to us...

I am afraid that they will do scam with our doc's and bank account...

Kindly solve the issue please.

Sep 10, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Aug 10, 2022

ZestMoney Customer Care's response Dear Ujjwal,

Greetings from ZestMoney!

We can understand that your concern is regarding the Credit Limit.

We are extremely sorry to hear this and sincerely apologize for the inconvenience caused.

This is not the service we want you to experience from us. We deeply regret the trouble you had to face with ZestMoney.

We would like to inform you that your Credit limit is in the approved state with the active credit limit of Rs.26000/- you can view the same in application for your reference.

We appreciate your understanding and cooperation in this regard.

Assuring you the best of services.

Regards,
Team ZestMoney

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Oliverbarreto17

Aug 8, 2022

Late fee Waiver

As i was travelling i couldn't pay the emi as my phone was stolen i bad to block my accounts And i have All valid tickets and receipts i mailed zest money support. but there was no adequate response from their side below is the mail. the auto debit couldn't take place because as i had blocked my transactions but i got a unecessary lien on my account and heavy charges late fees
I request you to waive off the late fees off my account as i couldn't pay it as my phone was stolen during my travel to South Africa on 22 june and i didn't have access to my account. I cannot pay the late fees. As it is too much and unnecessary. Requesting you to kindly revert back.

loan ID: 8659A1B9A321, 562D9C5BDD55, and MCC3751C506C

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Sep 10, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Aug 10, 2022

ZestMoney Customer Care's response Dear Oliver,

Greetings from ZestMoney!

We hope you are doing well and staying safe indoors.

As we understand, your query is regarding the late fee waiver for the loan ID: 8659A1B9A321, 562D9C5BDD55, and MCC3751C506C.

However, As I checked your details, I would like to inform you that the debit was processed as per the debit date for the above loan but failed due to an insufficient balance. Hence, we have already forwarded your request to remove the late fee, but we can't give you assurity about it.

Your understanding and co-operation in this regard would be highly appreciated. (the timing of auto-debit, morning 4 A.M. to evening 11 P.M.)

Please feel free to reply to this email. We would be delighted to help and clarify any doubts you have!

You can reach out to us at [protected] or [protected]@zestmoney.in for any further assistance.

Regards,
Team ZestMoney

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Imteyaz12

from patna, Bihar

Aug 7, 2022

Emi started but product is in pending state

Sir i have take loan from ZestMoney (loan id 741B6DB63712) for buying Apple Iphone 11 on 5 August 2022 at 5.24Am and Flipkart order id is OD[protected] and according to ZestMoney my order id is PZT[protected]F1DHI01, sir my loan has been sanctioned by ZestMoney and my emi is started but my product is in pending state and it is showing that your bank has not paid the money to the seller. sir there is no cancel option on Flipkart so that i can cancel my order and i am worrying that my whole money is gone which Rs29, 628. sir please help me out in recovering my money or atleast they process my order.

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Sep 10, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Aug 10, 2022

ZestMoney Customer Care's response Dear Imteyaz,

Greetings from ZestMoney!

As we understand, your query is regarding the loan cancellation loan ID(741B6DB63712).

We are extremely sorry to hear this and sincerely apologize for the inconvenience caused.

This is not the service we want you to experience from us. We deeply regret the trouble you had to face with ZestMoney, which led you to write to the consumer forum channel.

We have forwarded your issue to our concerned team and are following up with them we will get back to you as soon as we receive updates from their end.

Rest assured your issue will be resolved at the earliest.

Please feel free to contact us for further assistance as we are always there to give you the best possible solution.

Assuring the best services!

Sincerely,
Team ZestMoney

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Navin Kumar jsr

from Jamshedpur, Jharkhand

Jan 30, 2023

[Resolved] Zestmoney — Emi started but product is in pending s
Sir i have take loan from ZestMoney (loan id Z261FFAE9279) for buying Thomson smart tv on 29 Jan 2023 at 10:47 Am and Flipkart order id is OD[protected] and sir my loan has been sanctioned by ZestMoney and my emi is started but my product is in pending state and it is showing that your bank has not paid the money to the seller. sir there is no cancel option on Flipkart so that i can cancel my order and i am worrying that my whole money is gone. sir please help me out in recovering my money or atleast they process my order.

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I have paid all my dues on time without any miss on my dues, so why is zest money account freezed please let me know & help me with it.

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Salman#121786

Aug 6, 2022

Cashback not received

I had done transaction on reliance digital and paid my order by using zest money for which I had to get 10% cashback after 3 successful emi payment and after payment of emi i didn't get any cashback for that transaction i tried to contact customer service and no response from your end
Registered mobile number : [protected]
Registered email id : [protected]@gmail.com
Transaction date: 18th march 2022...

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Chiluka Vinayak

Aug 5, 2022

My pan card link to the different account.

Address:

Mumbai

After Iogin to zest money after couple of days after, my details and profile details vanished, asking promt to enter the pan card, but when I enter my pan card number, it says pan car registered with other account, I am surprised l, account email and registered mobile number same though getting wired error, there for looks like misusing personal confidecial details

Worst part of customer care service. Mailed me, mentioned different...

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Fraudulent on regular payments

Address:

ZestMoney (Camden Town Technologies Pvt Ltd), Ground & Third Floor, Indiqube Celestia, Site No. 19 & 20, Koramangala 1A Block, Koramangala, Bengaluru,

Hi,

I have opted emi to buy a phone LOAN ID, my due date was 5th of every month but i was paying before my due date and it was settled and cleared my emi amount on regular basis but from zest money made a wrong update on my ciibil which i not paid RS 17/- which made my cibil impact i wanted them to correct the issue in my cibil nd no response from the zestmoney team even after sending multiple emails and not helping from customer care team. attaching the refence screenshot.

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Sep 7, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Aug 07, 2022

ZestMoney Customer Care's response Dear Sharath,

Greetings from Zest Money!

We understand your concern regarding your Cibil issue.

We have forwarded your issue to the concerned team, they will get in touch with you in the next 2-3 working days.

We apologize for the inconvenience caused and appreciate your patience.

You can write or reach out to us at [protected] for any further assistance.

Regards,
Manoj
Team Zest Money

Sep 11, 2022

Updated by sharathappu Still not yet resolved frm past one month you guys mentioned it's resolved how lethargic support it is

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Tentu Venkatesh

from Vizianagaram, Andhra Pradesh

Sep 7, 2022

Are they resolved your CIBIL score issue?

sharathappu's [Complaint's author] reply, Sep 11, 2022

Pls help there not supporting to resolve.

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Refund Not Initiated

I had purchased an item from flipkart but cancelled it on 29th July, 2022. Today is 4th August but Zest Money has not yet initiated the refund and shows that payment is due. My loan Id is 7A0917410QL7. Please see to the matter as soon as possible.

Sep 7, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Aug 07, 2022

ZestMoney Customer Care's response Dear Rijoy,

Greetings from ZestMoney!

We can understand that your concern is regarding the loan cancellation for the loan ID: 7A0917410QL7.

We would like to inform you that we have gone ahead and forwarded your concern to the relevant team, and they are working towards the same. Hence please allow 2 - 3 business days of time so that we can revert with an update at the earliest.

We will try our best not to let problems like this affect the experience of our customers in the future.

Please bear with us this one time.

Please contact us if you need further assistance by replying to the same email thread.

Regards,
Manoj
Team ZestMoney

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Ajith Parasuram

Aug 3, 2022

Asking me to pay for improving cibil score

I have paid all loan in zest money in January this year but they are asking me that I have paid the loan but I have to pay money for improving credit score which no one can do..they are calling everyday to for me pay for cibil score I have call recordings and call logs

Sep 12, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Aug 07, 2022

ZestMoney Customer Care's response Dear Ajith,

Greetings from ZestMoney!

Thank you for reaching out to us with regards to your CIBIL issue.

As I understand, your query is regarding the corrections required in your CIBIL.

I request you to assist us with some details so that I can help you out. Please provide the below-mentioned details-

1 ] Account number (Lender ID).

2] Lender Name.

3] Sanction amount.

4] Current balance and overdue (If any)

5] The issue which you are facing.

6] If related to DPD, please share the month name and number of days that are incorrectly updated.

7] Please do mention the name and date of the credit bureau on which you are checking the details.

In addition, if you face any problem in sharing the details, you can also provide a screenshot of the credit report.

Furthermore, you can download the report from the below link:

Link- https://creditreport.paisabazaar.com/credit-report/apply?

Experian -https://consumer.experian.in/ECV-OLN/signIn

Transunion (Paid report)- https://www.transunioncibil.com/

Kindly share at the earliest to process the request for CIBIL correction.

I am awaiting your response.

Regards
ZestMoney

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Zest not refunding back the amount on cancelled loan

I have booked flight ticket on yatra and paid through zest by opting EMI option for 3 month. I have to cancel my flight and Yatra refunded back the amount to zest on 13th July, 2022.

As per Zest they have received the refund and facing technical issue due to which amount is not reflecting in my account.

It's been more than 20 days neither zest is able to resolve the issue nor they are refunding back my amount.

Finally I had to pay last EMI of my cancelled loan to maintain my credit history and cibil.

Please help me to receive back my both the refunds.

Loan ID - 11F09722DP0J
Contact No - [protected]
Email ID - [protected]@gmail.com

Sep 7, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Aug 03, 2022

Updated by Akshay Karnwal Not sure why this market as resolved. This is still not yet resolved

Verified Support

Aug 07, 2022

ZestMoney Customer Care's response Dear Customer,

Greetings from Zestmoney.

We are extremely sorry to hear this and sincerely apologize for the inconvenience caused.

We would like to inform you that we have gone ahead and forwarded your concern to the relevant team, and they are working towards the same. Hence please allow 2 - 3 business days of time so that we can revert with an update at the earliest.

We will try our best not to let problems like this affect our customers' experience in the future. Please bear with us this one time.

Please contact us if you need further assistance by replying to the same email thread.

Regards,
Team ZestMoney

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Address:

Anpara

Sir zest money lone cancel please sir

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Unblock my credit limit

Website:

zest money

Blocked my credit limit

+1 photos

Sep 22, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Aug 07, 2022

ZestMoney Customer Care's response Dear Customer,

Greetings from ZestMoney!

We are extremely sorry to hear this, and we sincerely apologize for the inconvenience caused.

This is not the service we want you to experience from us. We deeply regret the trouble you had to face with ZestMoney, which led you to write to the consumer forum channel.

We kindly request you to please share the details which you used to register with Zestmoney, or you can also choose to write directly at [protected]@zestmoney.in, the mail id of our Nodal officer, and we will help you further with your issue on priority.

Looking forward to hearing back from you.

Regards
Team Zestmoney

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imtiyazbelim786

from Junagadh, Gujarat

Aug 1, 2022

Marketing cashback issue

Loan id : EA8963C71654

Mene zestmoney me se mi.com ka xiaomi 11i mobile ki loan li thi usme 2000 rs ka cashback 3 months emi complete hone ke bad direct bank account me milne vale the (cashback offer aur terms conditions for 3 emi complete hone ki vo attach kiya he) vo emi mene time se pehle early bhar diye he without delay or bounce (3 emi complete kre uska screenshot attach kiya he) pr abhi 25 din ho gye fir bhi marketing cashback rs. 2000 abhi tk nhi mila aur kitni bar phone bhi kiye pr usne bhi kuchh action nhi liya hr bad ek hi jwab dete he ki Highlight kiya he pr highlight bhi 18 din se pda he, abhi bhi koy reply nhi or cashback bhi nhi mila

Mera cashback dila do

+3 photos

Sep 7, 2022

Complaint marked as Resolved

ZestMoney customer support has been notified about the posted complaint.

Verified Support

Aug 07, 2022

ZestMoney Customer Care's response Dear Imtiyaz,

Greetings from ZestMoney!

Sorry for the delay in response. We are still waiting for an update from the concerned team. We will get back to you with an update at the earliest.

We apologize for the inconvenience caused and appreciate your patience.

Please feel free to contact us for further clarifications.

Regards,
Team ZestMoney

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sagarkotturu93

from Jamshedpur, Jharkhand

Aug 1, 2022

Fraudulent Activity

Address:

Bangalore

I was browsing through ZestMoney application and with one click the loan of Rs 112000 was process on[protected] and when I requested customer care to cancel they refused to cancel. They informed pre close the loan one I received the amount. My bank account which was on file was closed and I gave them statement for another bank account which was updated, however, the amount is still not disbursed after more than 15days and the loan is still active.

+2 photos

Aug 12, 2022

Complaint marked as Resolved

They have cancelled my loan and resolved the issue once I have raised this complaint. Previously they informed there os no option to close the loan and now when complain was raised they close the loan and sent me the confirmation mail.

ZestMoney customer support has been notified about the posted complaint.

Aug 01, 2022

Updated by sagarkotturu93 After giving the correct bank details they are asking me to contact bank to check for the issue. I using the account on daily basis and they are saying issue is from bank. Also they are not even checking the documents correctly to verify the details

Verified Support

Aug 07, 2022

ZestMoney Customer Care's response Dear Sagar,

Greetings from ZestMoney!

We can understand that your concern is regarding the loan cancellation for the loan ID: 99F92D59B680

We are glad to inform you that your loan has been successfully cancelled and updated in our records. Hence you can view the changes in the app for your reference.

We appreciate your understanding and cooperation in this regard.

Assuring you the best of services.

Regards,
Team ZestMoney

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Sam Edward Gaikwad

Aug 12, 2022

Similar issue has happened with me for Rs. 25000, the bank account on ZestMoney file is inactive and they are showing that the disbursal is complete.

Order ID: 74d31b75-d4bc-49eb-98ba-179b3d5bcf14
ABFC Loan Number: LXW-M[protected]

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ZestMoney reviews & complaints page 23

My CIBIL shows duplicate loans with same amount

Instant Loan

Close my account

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As amount debited from zest money but order is not confirmed

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Zestmoney messed up my CIBIL SCORE

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Credit limit freezes from last 8months without any reason

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Late fee Waiver

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Emi started but product is in pending state

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Account Frozen even after regular payment

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Cashback not received

My pan card link to the different account.

Fraudulent on regular payments

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Refund Not Initiated

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Asking me to pay for improving cibil score

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Zest not refunding back the amount on cancelled loan

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Sir my purchase loan cancel

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Unblock my credit limit

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Marketing cashback issue

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Fraudulent Activity

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How Can I cancel my emi

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