[Resolved]  Zestmoney — zest scam:taking advantages rbi ecs system

Address:

Balasore, Odisha, 756036

****You are presenting my ECS 3 to 4 times a month(6 times total in last 35 days), without information and communication, You are just taking advantages of ECS system of RBI and misusing it.****

Hi,

I wish to complain about your worst system and team, also how you are misusing ECS system of RBI and take it for grant, that I have taken a loan of 13, 000 INR (Customer Id:[protected] on Oct 2018 and accepted the payment condition, EMI of 956 INR on every 10th of the month. The EMI was successfully and smoothly deducted on First two months(Sep, Oct) from my SBI by ECS system.

Then the problem Starts from Nov, I will try to make you understand through the timeline,

1. Sep 9, 2018 ₹ 956 Automatically Deducted

2. Oct 8, 2018 ₹ 956 Automatically Deducted

3. Nov 8, 2018 ₹ 956 (Due to your system Issue, Did not deduct from my SBI account, Balance maintained 1000 and above)

4.After some days when I checked my account I got to know that it was not deducted automatically and the amount was added with fine 956 + 250 (Zest fine)= 1206 INR, Still maintained balance above 1000 in my SBI account.

5.I called to Zest money customer care, and told the whole thing, After that they transferred my call to senior and he told that it happens sometimes due to system issue and I simply asked, Why you have charged extra 250 rupees even if you are accepting the problem is in your side. They Kept silent and told me that the amount will be waived off and requested me to pay first whole amount of 1206 rupees and they would return the Rs. 250 fine amount in the way of Cashback . I said ok to it because I thought the service of zest was good and mistakes happen sometimes .But I asked zest money team to raise a ticket or send me a confirmation mail accepting their mistakes due to system issue and they would return back my fine amount . But He denied to raise a ticket or sending a mail mentioning all the thing, I yelled at him and he said we can’t do in that way and said we would call you.I put down my call.

6.On 1-Dec-2018, Without any mail, SMS, or any communication, Total 1206 with fine was presented(Balance maintained 980) By Zest, and I charged with ECS rejection charge 295 Rupees because of insufficient balance.

7. Got scheduled or regular mail from zest that I would be charged total[protected] + 958 for next EMI) on 10thDec.But again ….

8. Again On 6-Dec-2018, Without any mail, SMS, or any communication, Total 1206 with fine was presented(Balance maintained 666) By Zest, and I charged with ECS amount 295 Rupees . because insufficient balance.

9.Again on 10 Dec 2018, Total[protected] + 958) with fine was presented(Balance maintained 1000) By Zest, I have given ECS charge 295.I called so many times in between these days with frustration but they said that they would call, And lastly I did not get any type of communication.

See how the things are getting worst .

10. On 3rd Jan 2019, Without any SMS, mail, Communication Total[protected] + 958) with fine was presented(Balance maintained 0, All vanished by Bank ECS charge) By Zest, I have given ECS charge 590 Rupees, (Surprised that they presented it two times).I called so many times in between these days but they said that they would call, And I did not get any type of communication.

11. Surprises never end, Again on 5- Jan-2019 ECS was presented and I am charged with again 295.

****You are presenting my ECS 3 to 4 times a month(6 times total in 35 days), without information and communication, You are just taking advantages of ECS system of RBI and misusing it.****

Simple Questions

· One question, Why your team member did not take any proper action when I called?

· Why did I suffer due to your fault ?

· Who is going to take responsibility and return of my total 1770 Rupees ECS charge?

· Also you have threatened by mail and reported it to CIBIL score, and for you my CIBIl score is affected, Who will take responsibility ?

Need Resolution:

· Return all my ECS charge total of 1770 (6 x295 Rupees ) .

· Update to CIBIL that it was your fault .

· and sure, waived off my fine.

· Need Apology Statement

*I am attaching my bank statement for reference.

I look forward to hearing from you as soon as possible to resolve this problem. If I do not hear from you within 2 to 3 days I will file complaints with the appropriate consumer agencies and consider my legal alternatives. I am enclosing copies of my receipt. I may be contacted at the above address and phone number.

Sincerely,

Kalpana Das.

(Zest Customer Id:[protected]