क्रेडिटबी: पर्सनल लोन, यूपीआई

Totally fake app full of fake employees and recovery agnents. This App and the employees are Gundas or hafta walas. I lost my job due to which my emi for this month is not cleared and cannot repay the loan due to the late salary and they start bombarding with threatening messages to my Family numbers through Wattsapp. Some of them claiming to be a legal head but under Truecaller coming as some kind of spam will be coming to take the amount by cash since its been so long that I havent paid my loan and also will be service charging for late amount, its total hafta wasooli type of attitude against RBI rules and regulations. Have to give a complaint letter to RBI. They think we dont know the Guidelines set by RBI for Banks and private online loan providers? And also once the app has to be updated they have no option for changing your registered mobile number. Overall this app is run by Gundas who dosent care about laws and guidelines and the App they created are full of flaws. Never take loan from this app I wouldnt have even given a 1 star. I would suggest to go get a bank loan instead. I’m paying more than 30% interest on my loan just to make sure these guys dont screw up with my cibil score. Need to change policies for loan. You can’t harasse the other person on contact list for emi payment. These recovery agents will call your contacts and say that your number has been given as a reference and after some time they start abusing which is not bearable. 0 star for customer experience.

This is the second time I am receiving a call from your collection agents, due to some Reasons I was not able to submit my loan installment on time, everytime at last day of payment your agents just call and talk very disrespectfully like we are running away with your money, I'm also working as a Customer support executive somewhere but this is not the way to talk to someone who is even giving the amount every month, if a person don't wanted to submit the EMI then he will not receive your call but everytime I submit my EMI, I agree I submit it 4-5 days late because of salary issue also my loan amount is not in lakhs, only 7 thousands something left but your agents talk like we are running away with the money...... You should hire professional people for this work I talked to a girl name "Vidhya" she was very rude and disrespect and before her, last month I talk to someone her was also rude..... Then I complaint on customer care but still facing the same thing??? Are you hiring people from roadside?? You should understand people before giving them service otherwise close the company... I don't even want to give 1 start to this app because you are hiring roadside gundas and haftawala its total hafta wasooli type of attitude against RBI rules and regulations. Have to give a complaint letter to RBI. They think we dont know the Guidelines set by RBI for Banks and private online loan providers? That's it.

DO NOT DOWNLOAD THIS APP AS THEY WILL ACCESS ALL YOUR PRIVATE DATA INCLUDING MEDIA AND CONTACTS AND WILL BLACKMAIL YOU BY CONTACTING YOUR PHONE CONTACTS ( it is not only against RBI GUIDELINES but also ILLEGAL)! I have a loan as well as a prepaid kreditbee card, which I have paid timely and in full, respectively. However, the prepaid card, even though I was charged for it, did not work 90% of the time and not only was it inconvenient, embarrassing but I also felt cheated. I called and emailed kreditbee support but all I got were copy paste replies and the last reply was nothing short of a threat informing me that my CIBIL can be affected and I can face problems applying for a loan in the future! I could not believe it and sent a email to their so-called nodal officer and guess who replied to it? Kreditbee support!! They have zero customer service or grievance redressal and it doesn’t matter to them what problems the customer is facing and don’t even get me started with repayments. They will start bombarding you with calls, texts and WhatsApp messages 3 days before the due date! Not just one or two messages but literally 30-40 messages/calls a day. Now, I noticed that they removed the prepaid card from my account, which they have charged me for! In the foregoing, I can not in good conscience recommend ANYONE to avail services from these goons and bullies. I don’t know if they will fix the issues or if make my life more difficult for this review but I will NOT backdown till they refund my money or reinstate my card!!