Help!!! Unknown Personal Loan acc in Credit Report

Help!!! Unknown Personal Loan acc in Credit Report

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Deal Newbie
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I dont know from where this personal loan acc by IDFC First bank has been added on to my PAN no./ Credit history.

I have never used this acc (can be seen in account history)

I am not sure but i feel that this is Flipkart Buy Now Pay Later option.

But now my Flipkart pay later shows only 5500 as credit limit.

Can anyone help in identifying what it can be and how can i close it?https://cdn0.desidime.com/attachments/photos/607877/original/Screenshot_20200312-164326.jpg?1584012382

16 Comments  |  
9 Dimers
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Deal Cadet
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Its Flipkart paylater,, everyone getting same entry in CIBIL. Mine too.

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Deal Subedar
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2025
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I have also same & showing one emi not paid,so i am not paying this months emi and waiting for their call.

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Deal Newbie
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midfold wrote:

Its Flipkart paylater,, everyone getting same entry in CIBIL. Mine too.

But Flipkart pay later amount and amount reported on cibil report is diff

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Deal Cadet
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shutapdiya wrote:

But Flipkart pay later amount and amount reported on cibil report is diff

Yes, same with me…… Have you got easyemi card from IDFC first bank? Many of here got physical card with 60-95k limit…..

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Deal Newbie
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midfold wrote:

Yes, same with me…… Have you got easyemi card from IDFC first bank? Many of here got physical card with 60-95k limit…..

Nope, i have not

Any idea, how can i close this thing?

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Deal Cadet
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shutapdiya wrote:

Nope, i have not

Any idea, how can i close this thing?

Email IDFC first to close the account…… But i Don’t think they will close, as it linked with Flipkart paylater account

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Deal Cadet
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I also tried to close my flipkart paylater account but bogus reps don’t know how to do so. the pay later thingy is really affecting my spending / shopping habit. confused

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Deal Subedar
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Glad I haven’t activated this

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Deal Subedar
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Mobikwik loan

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Deal Newbie
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midfold wrote:

Email IDFC first to close the account…… But i Don’t think they will close, as it linked with Flipkart paylater account

Wl try that

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Deal Newbie
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I too had the same issue. With Flipkart pay later and ola postpaid. I had limit of 7000 and 5000 resp. but in cibil the loan amount was 60000 and 50000. For ola it took me just a email to olamoney customer care to close the account. They have also confirm the cibil entry will be updated within 40 days.

However flipkart, contacting customer care was very difficult. I contacted flipkart through twitter and their first reply was i cannot close the same. On this reply, i had to tell them if they can’t do it i will get it done legally. On this they said we will look into the matter and i got an email from customer care. Even after 10days i got standard email, we are looking into the matter.
Now i have contacted their grievance department on [email protected] and they have assured me to resolve the issue within 72 hours.
I habe asked them to provide me in writing that even the personal loan account linked to it will also be closed. If this doesn’t work, I will be taking this up with rbi ombudsman.

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Deal Cadet
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shutapdiya wrote:

I dont have any

if you have IDFC bank account
than they shipped a card IDFC ENI card just like Bajaj EMI card
will be activated on your first offline purchase on EMI
but these idiots at IDFC bank reported a credit to credit rating agencies b4 getting customer approvals for uses of there card

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Deal Cadet
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meragoyou153 wrote:

if you have IDFC bank account
than they shipped a card IDFC ENI card just like Bajaj EMI card
will be activated on your first offline purchase on EMI
but these idiots at IDFC bank reported a credit to credit rating agencies b4 getting customer approvals for uses of there card

i also got such card from KOTAK bank
but they have not reported it to credit rating agencies
( as i have not completed acceptance process )

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Deal Newbie
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Bro mee to facing same issue, your problem solved or not ,if solved please tell me procedure

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