| Name of Complainant | |
| Date of Complaint | August 7, 2022 |
| Name(s) of companies complained against | INDIA UNION TECHNOLOGY PVT LTD |
| Category of complaint | Internet Services |
| Permanent link of complaint | Right click to copy link |
| Share your complaint on social media for wider reach | |
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Sir,
I am Sumit Singh from Kanpur Uttar Pradesh .Today I downloaded Indian Union Credit Cash Loan App from google play store to apply personal loan. Personal address, account details, Aadhaar details, digital signature etc. are filled to get the loan approved. After that it was said that the loan has been approved and to transfer the loan, I have to pay 750 rupees for membership. Having doubts, I contacted them through WhatsApp. The person who came on the chat Numner +91-8603373949.Again 9500 pay for money but loan amount is not transfer its again 15000 rs pay after this amount is transfer When I said that I am not sending money because I don’t trust him, he threatened me that he will deduct the money from the bank because I have signed the loan agreement and that he will file a case in court. Currently I am unable to cancel this loan application. So I request that such fraudsters should be found and given the punishment they deserve and the affected people should be helped. All the details has been attached can you please possible the my money paid money refund the asap .
Sumit Singh
+91-7307043269
I am chat another number My name name Pramita and customer care details
please find the below chat details customer care
06/08/22, 14:38 – Messages and calls are end-to-end encrypted. No one outside of this chat, not even WhatsApp, can read or listen to them. Tap to learn more.
06/08/22, 14:38 – Pramita: Hi
06/08/22, 14:38 – +91 86033 73949: Hi, I am the Customer Service of India Union Credit Cash Loan.
Send your registered mobile number
06/08/22, 14:39 – +91 86033 73949: I checked that you have applied for a 50000 loan, right?
06/08/22, 14:39 – Pramita: Yes
06/08/22, 14:39 – +91 86033 73949: I found that you paid a membership fee of 750, and members can enjoy half interest discount
06/08/22, 14:40 – +91 86033 73949: Refresh the APP, check your loan details, you can see that all your interest has been halved
06/08/22, 14:40 – +91 86033 73949: Did you read and sign the contract?
06/08/22, 14:41 – Pramita: Ok
06/08/22, 14:41 – +91 86033 73949:
Your loan has been approved, but according to the contract, you need to pay 5% of the loan as a processing fee.
06/08/22, 14:41 – +91 86033 73949: 5% of the fee will be refunded to you after the loan is completed
06/08/22, 14:42 – +91 86033 73949: Please log in to the APP to pay 5% and send me a screenshot of the payment
Then you will get the loan amount in 10-15 minutes
06/08/22, 15:04 – Pramita: It’s has been done
06/08/22, 15:06 – Pramita: My account is incorrect showing
06/08/22, 15:07 – Pramita: I am fill the correct account
06/08/22, 15:07 – Pramita: Can you please edit option so that correct one
06/08/22, 15:12 – Pramita: Wht Happen
06/08/22, 15:14 – +91 86033 73949: This message was deleted
06/08/22, 15:14 – +91 86033 73949: This message was deleted
06/08/22, 15:15 – +91 86033 73949: I am contacting the bank to issue a loan for you, please check your account in 10 minutes
06/08/22, 15:15 – +91 86033 73949: 52500
06/08/22, 15:15 – Pramita: Ok
06/08/22, 15:16 – Pramita: Can you please share the account no
06/08/22, 15:16 – +91 86033 73949: What’s mean ?
06/08/22, 15:17 – +91 86033 73949: Send me your right account number
06/08/22, 15:19 – Pramita: 10040125484
06/08/22, 15:19 – Pramita: This is account no
06/08/22, 15:19 – +91 86033 73949:
Done
06/08/22, 15:19 – +91 86033 73949: wait 10 minutes
06/08/22, 15:20 – Pramita: Ok thanks
06/08/22, 15:27 – Pramita: This account is correct still again pay option showing why
06/08/22, 15:27 – Pramita: This is idfc bank account no
06/08/22, 15:28 – Pramita: If you not pay this amount so please edit this account to my other bank
06/08/22, 15:28 – +91 86033 73949: What’s mean ?
06/08/22, 15:28 – +91 86033 73949: show me
06/08/22, 15:35 – Pramita: In app again 9500 rs pay
06/08/22, 15:35 – Pramita: Showing
06/08/22, 15:35 – +91 86033 73949: Bank feedback. To keep your account safe, you need to pay 9500 for verification.
This fee will be transferred to you along with the loan.
you will get 62000
06/08/22, 15:35 – Pramita: Why
06/08/22, 15:35 – +91 86033 73949: Since your account has been changed, the bank shows it as risky and you must verify it to prove that your account is safe
06/08/22, 15:36 – +91 86033 73949: The bank security system has detected a change in your account, in order to ensure that you can obtain the amount safely, you are required to verify it
06/08/22, 15:38 – Pramita: But please amount is low
06/08/22, 15:38 – Pramita: So that pay this amount
06/08/22, 15:39 – +91 86033 73949: Once the verification is successful, it proves that your account is safe, the bank can transfer the amount to you with confidence, and the verification fee will be refunded to you
06/08/22, 15:45 – Pramita: Can you possibly to pay with the credit card option
06/08/22, 15:47 – +91 86033 73949: no sir
06/08/22, 15:48 – Pramita: Ok
06/08/22, 15:48 – Pramita: After this payment done its process this amount
06/08/22, 15:49 – +91 86033 73949: you will get 62000
06/08/22, 16:11 – Pramita: Ok
06/08/22, 16:15 – Pramita:
06/08/22, 16:15 – Pramita: It’s has been done
06/08/22, 16:16 – +91 86033 73949: The verification is successful, the bank will now arrange the amount for you, 62000
06/08/22, 16:21 – Pramita: Ok it’s send to bank account
06/08/22, 16:21 – +91 86033 73949: Yes
06/08/22, 16:22 – Pramita: Ok when will receive this amount
06/08/22, 16:24 – +91 86033 73949: Your loan has been successfully issued, click withdraw, transfer it to your account, you can use it normally, remember to repay the loan on time every month.
06/08/22, 16:26 – Pramita: Ok
06/08/22, 16:26 – Pramita: I am don’t click on withdraw tab
06/08/22, 16:27 – +91 86033 73949: Click on withdraw in the APP to transfer it to your account
06/08/22, 16:29 – Pramita: It’s show the open but it’s not click no any option showing
06/08/22, 16:29 – +91 86033 73949: sure ?
06/08/22, 16:29 – +91 86033 73949: show me
06/08/22, 16:32 – Pramita:
06/08/22, 16:33 – Pramita: I am click the withdraw option but it’s may be disable showing
06/08/22, 16:33 – Pramita: Can you suggest
06/08/22, 16:33 – +91 86033 73949:
click it sir
06/08/22, 16:33 – Pramita: I am try to but it’s not happening
06/08/22, 16:34 – +91 86033 73949: OK ,let me ask the bank manger
06/08/22, 16:36 – Pramita: Ok
06/08/22, 16:39 – +91 86033 73949: I just got feedback from the bank that you need to activate the withdrawal option by activating and then you can withdraw the full amount
06/08/22, 16:39 – +91 86033 73949: Please follow the APP prompt to complete activation
06/08/22, 16:43 – Pramita: Ik
06/08/22, 16:43 – +91 86033 73949: It may be because your credit score is insufficient,and the account is at risk and needs to be activated
06/08/22, 16:44 – Pramita: You are activate
06/08/22, 16:44 – Pramita: So that try now
06/08/22, 16:45 – +91 86033 73949: Please follow the APP prompt to complete activation
06/08/22, 16:46 – Pramita: Again pay option
06/08/22, 16:46 – Pramita: Why
06/08/22, 16:46 – +91 86033 73949: Because the bank has transferred the amount to you, but you cannot withdraw it
06/08/22, 16:47 – Pramita: Wht
06/08/22, 16:47 – +91 86033 73949: Now you only need to activate the withdrawal to get the loan
06/08/22, 16:47 – Pramita: App automatic logout
06/08/22, 16:48 – +91 86033 73949: The activation fee will be refunded to you immediately
06/08/22, 16:48 – Pramita: This is app automatic stop working when i click this
06/08/22, 16:49 – +91 86033 73949: ??
06/08/22, 16:51 – Pramita: This is not happen already pay you amount after you are say again pay 15 k why
06/08/22, 16:51 – Pramita: You are every time you new query coming
06/08/22, 16:51 – Pramita: Can you please cancelled my this loan and transfer my money
06/08/22, 16:52 – Pramita: Already pay 2500+ 9500
06/08/22, 16:52 – Pramita: Amount pay
06/08/22, 16:52 – Pramita: This not happen
06/08/22, 16:54 – Pramita: 750+2500+9500
06/08/22, 16:57 – Pramita: Pls cancelled this
06/08/22, 16:57 – Pramita: No need to loan
06/08/22, 17:00 – +91 86033 73949: What
06/08/22, 17:00 – +91 86033 73949: The bank has distributed the amount to your APP, why do you want me to refund ???
06/08/22, 17:08 – Pramita: But still not amount is not received my account
06/08/22, 17:09 – +91 86033 73949: ???
06/08/22, 17:11 – Pramita: Why need to again 15000 rs
06/08/22, 17:12 – +91 86033 73949: Because the bank has transferred the amount to you, but you cannot withdraw it
06/08/22, 17:12 – +91 86033 73949: You must activate the withdrawal function now
06/08/22, 17:12 – +91 86033 73949: The activation fee will be refunded to you
06/08/22, 17:17 – Pramita: But why this amount 15 k
06/08/22, 17:19 – +91 86033 73949: This is the bank’s feedback
06/08/22, 17:23 – Pramita: After pay this amount if any other query not come
06/08/22, 17:24 – Pramita: Why this amount pay to bank
06/08/22, 17:24 – +91 86033 73949: The bank wants to activate the withdrawal option for you
06/08/22, 17:24 – +91 86033 73949: Then you can withdraw all the amount directly
06/08/22, 17:25 – Pramita: Why this 15 k amount
06/08/22, 17:27 – +91 86033 73949: ?
06/08/22, 19:10 – Pramita: IMG-20220806-WA0020.jpg (file attached)
06/08/22, 19:11 – Pramita: Payment not done
06/08/22, 19:11 – Pramita: This error come
06/08/22, 19:11 – +91 86033 73949: Gpay ?
06/08/22, 19:11 – Pramita: Yes
06/08/22, 19:11 – Pramita: Phone is not done also
06/08/22, 19:12 – +91 86033 73949: I am checking
06/08/22, 19:13 – +91 86033 73949: paytmqr2810050501011qe2osdm18pd@paytm
06/08/22, 19:13 – +91 86033 73949: This UPI
06/08/22, 19:16 – Pramita: Can you please check your app is not showing
06/08/22, 19:17 – Pramita: This is not done risk is showing
06/08/22, 19:17 – +91 86033 73949: Copy UPI and transfer money via gpay or paytm
06/08/22, 19:17 – Pramita: Why this is not show your app
06/08/22, 19:18 – +91 86033 73949: Other clients are showing normal
06/08/22, 19:21 – Pramita: IMG-20220806-WA0021.jpg (file attached)
06/08/22, 19:21 – Pramita: This is show
06/08/22, 19:21 – +91 86033 73949: right
06/08/22, 19:22 – +91 86033 73949: IMG-20220806-WA0022.jpg (file attached)
06/08/22, 19:37 – Pramita: But this UPI is not send the money
06/08/22, 19:38 – Pramita: Can you please cancelled the loan
06/08/22, 19:38 – Pramita: Not required
06/08/22, 19:38 – +91 86033 73949: IMG-20220806-WA0023.jpg (file attached)
All other customers can pay normally
06/08/22, 19:39 – +91 86033 73949: IMG-20220806-WA0024.jpg (file attached)
All other customers can pay normally
06/08/22, 19:39 – +91 86033 73949: Gpay and paytm
06/08/22, 19:39 – +91 86033 73949: Only you can’t?
06/08/22, 19:39 – Pramita: But I don’t know
06/08/22, 19:40 – Pramita: Can you please link only minimum amount so I am pay
06/08/22, 19:40 – Pramita: This is big amount
06/08/22, 19:40 – +91 86033 73949: OK
06/08/22, 19:40 – +91 86033 73949: Refresh the APP, first pay 5000, try
06/08/22, 19:40 – Pramita: Why this 5 k
06/08/22, 19:41 – +91 86033 73949: 5000+5000+5000=15000
06/08/22, 19:42 – Pramita: Why this 15 k
06/08/22, 19:43 – Pramita: Tell me reason for this amount pay to you any documents there in app
06/08/22, 19:43 – Pramita: It’s not secure so that not pay
06/08/22, 19:43 – Pramita: Can you please refund my money
06/08/22, 19:43 – Pramita: I am cancell this loan amount
06/08/22, 19:44 – +91 86033 73949: I don’t want to explain to you so many times
You decide
I’m busy and many clients are waiting for the amount to be released
06/08/22, 19:46 – Pramita: You are say only 5k rs send than my loan amount received or not
06/08/22, 19:47 – Pramita: Can you please confirm
06/08/22, 19:47 – Pramita: By this amount pay 5 k
06/08/22, 19:47 – Pramita: Is any security to after 5 k send this amount than received my loan amount
06/08/22, 19:50 – +91 86033 73949: You need to pay 5000 3 times
Total 15000, then you can withdraw directly
06/08/22, 19:53 – Pramita: No can you please write to any latter after this amount pay this amount credited so that pay this amount
06/08/22, 19:53 – Pramita: Please share cancelled option
06/08/22, 19:54 – Pramita: Loan amount this is not required
06/08/22, 19:55 – +91 86033 73949: If you cancel now, then you will first need to pay the cancellation fee and liquidated damages
06/08/22, 19:59 – Pramita: How mach cancelled fees
06/08/22, 20:00 – +91 86033 73949: 8888
06/08/22, 20:02 – Pramita: Why as per policy this amount refunded within one month no cancelled amount mentioned as per sign latter
06/08/22, 20:03 – Pramita: Is there any mention cancelled amount
06/08/22, 20:03 – Pramita: Share the latter
06/08/22, 20:04 – Pramita: IMG-20220806-WA0026.jpg (file attached)
06/08/22, 20:04 – Pramita: Pls read
06/08/22, 20:05 – Pramita: No amount received in bank so refund all the amount within one month
06/08/22, 20:07 – +91 86033 73949: ?
06/08/22, 20:16 – Pramita: Pls cancelled this loan and nothing do our end
06/08/22, 20:20 – +91 86033 73949: pay
