| Name of Complainant | |
| Date of Complaint | March 21, 2026 |
| Name(s) of companies complained against | Lazypay |
| Category of complaint | Banking |
| Permanent link of complaint | Right click to copy link |
| Share your complaint on social media for wider reach | |
      |
|
1. Chronology of Events & Verified Transaction Details
I am providing the exact details of the settlement payment which your system has failed to reconcile:
Payment Date & Time: 26 February 2026 at 4:32 PM
Settlement Amount: ₹550.00
UPI Transaction ID: 642367025037
Google Transaction ID: CICAgJijiqrwWw
Sender Bank: Indian Overseas Bank (A/c ending in 3955)
Recipient: PAYU FINANCE INDIA PRIVATE LIMITED
NDC Status: Following this payment, PayU Finance issued a No Due Certificate (NDC) on 28 February 2026, certifying a Zero Balance.
2. Evidence of Ongoing System Failure & Harassment
Despite the legal closure of this account:
Fraudulent Demand: On 18 March 2026 at 6:20 PM, I received an automated alert for ₹167.15.
Illegal Penalty Threats: The alert specifically threatens “penalties” if not paid by today, for a period starting March 1st—well after the NDC was issued.
Credit Impact: This “ghost balance” is being reported as an “Overdue” status to CIBIL/Experian, causing a severe drop in my credit score and damaging the financial standing of my firm, Navodit Traders.
3. Final Demands for Redressal
I hereby demand the following within 24 hours:
System Sync: Manually reconcile UPI ID 642367025037 and update the LazyPay app to show a ₹0 balance.
CIBIL Correction: Submit an urgent “Data Correction Request” to all credit bureaus to delete any negative flags recorded after 26 Feb 2026.
Provide Proof: Share the Service Request (SR) Number for the bureau correction.
Cease Harassment: Immediate termination of all automated debt-collection triggers.
Declaration:
I, Shubham Jain, state that these transaction details are authentic. I reserve the right to seek damages for credit defamation and mental agony if this is not resolved immediately.
Sincerely,
