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“Flipkart Pay Later” is a credit service offered by Flipkart, a leading Indian e-commerce company. The service allows users to make purchases on Flipkart and pay for them later, rather than having to pay upfront. The payment can be made after a certain number of days, typically 14 or 30 days. This feature can be helpful for users who want to make a purchase but do not have the funds available during checkout. To use Flipkart Pay Later, users must first register for the service and undergo a credit check. After being approved, users can make purchases and pay for them later. The service is offered in partnership with several financial institutions and payment providers. Mostly it is IDFC Bank.
More details on Flipkart pay Later can be seen here
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Flipkart Pay Later Fraud 2024
Yet, with the arrival of AI in 2024, a revolution. The attack method is growing in scope for robbing helpless citizens everywhere. Online fraud has increased dramatically recently. One such case is the scam on Flipkart’s pay later system. In this fraud, a user receives emails and messages from Flipkart about transactions with a pay-later option. There are no orders listed in the user’s Flipkart app order history. However, the user is charged, which merely allows the user to see the Transaction ID only and not the order history from the Flipkart app. Flipkart Pay Later is one online service that should be used responsibly and securely. I suggest contacting Flipkart’s customer service for advice if you have any worries regarding the security of your account or personal data.
How Flipkart Pay Later Fraud Happens
A similar type of Fraud was reported by a user in Sep 2022: Click here to know, In another type of this Flipkart pay later fraud,
Where to Complaint about the Flipkart Fraud?
Where to Complaint about the Flipkart Fraud?
- Contact Flipkart Customer Care
If you need to contact Flipkart’s customer care for assistance, you can do so using the following methods:
Website: Visit the Flipkart Help Center (https://www.flipkart.com/helpcentre) and use the “Contact Us” form to submit your query.
Phone: Call Flipkart customer care, Flipkart pay later customer care number hotline at 04445613700, (toll-free for most Indian states). The customer care team is available 24/7 to assist you.
Email: care@flipkart.com, grievances@flipkartadvanz.com
Social media: You can also reach out to Flipkart on social media platforms such as Facebook and Twitter. The company regularly monitors its social media accounts and will respond to your query as soon as possible.
- IDFC Bank
IDFC Bank is a private sector bank in India that offers a range of financial services to retail and corporate customers. The bank was founded in 2015 and is headquartered in Mumbai, India.
IDFC Bank offers a wide range of financial products and services, including savings accounts, current accounts, fixed deposits, recurring deposits, loans, credit cards, and insurance. The bank also offers various digital banking services such as internet banking, mobile banking, and a unified payment interface (UPI) to enable seamless transactions.
Website: https://www.idfcfirstbank.com/
Phone: 1800-10-888
Email: head.customerservice@idfcfirstbank.com
- National Consumer Helpline
The National Consumer Helpline is a toll-free helpline service established by the Government of India to provide assistance and guidance to consumers in India. The helpline is operated by the Department of Consumer Affairs and is available in multiple languages, including Hindi and English.
Consumers can call the helpline to seek information or register complaints related to defective products, unfair trade practices, and deficiencies in services, among others. The helpline provides information on consumer rights, available remedies, and procedures to file a complaint.
The National Consumer Helpline can be reached by dialing the toll-free number 1800-11-4000, and is available from 9:30 AM to 5:30 PM on all working days. The helpline also has an online complaint filing facility on its website, which is available 24/7.
The National Consumer Helpline has been instrumental in providing relief to numerous consumers across India by resolving their complaints through mediation with companies or referring them to the appropriate regulatory authorities.
Website: https://consumerhelpline.gov.in
Phone: 1800-11-4000, 1915
Social Media: Twitter
- Cybercrime.gov
The National Cyber Crime Reporting Portal is an online platform established by the Government of India to provide a centralized mechanism for citizens to report cybercrime incidents. The portal is managed by the Ministry of Home Affairs and is designed to facilitate the reporting of cybercrime incidents and streamline the process of investigation and resolution.
The portal allows citizens to report incidents of cybercrime such as hacking, identity theft, online financial fraud, cyberbullying, and other types of cyber offenses. The portal also provides information on the types of cybercrime, prevention tips, and reporting mechanisms.
The National Cyber Crime Reporting Portal is available in both English and Hindi, and it is accessible to all citizens across India. Once a report is filed, the portal generates a unique reference number and forwards it to the concerned law enforcement agency for further investigation and action. The portal also provides periodic updates to the complainant on the progress of the case.
Overall, the National Cyber Crime Reporting Portal is a significant step towards combating cybercrime in India, providing a secure and user-friendly platform for citizens to report cybercrime incidents and take necessary actions to prevent future occurrences.
Website: https://cybercrime.gov.in
Phone: 1930
Social Media: Facebook, Twitter, Instagram, LinkedIn
Impact on CIBIL Score after fraud
A credit information business in India called CIBIL (Credit Information Bureau (India) Limited) keeps track of a person’s credit history and gives lenders and financial institutions credit scores. A CIBIL score is a three-digit figure with a range of 300 to 900. A higher score denotes a more substantial credit history, while a lower score denotes a worse credit history.
When choosing whether to approve a loan or credit card application and assessing a person’s creditworthiness, lenders take into account their CIBIL score. A good CIBIL score can lead to better loan terms and cheaper interest rates and make it simpler to obtain authorization for loans and credit cards. Your Cibil score will be impacted if a bill is generated and not paid.
How to stop the Flipkart Pay Later scam
In order to spot any suspicious activity early, it’s also a good idea to routinely examine your credit report and Flipkart Pay Later account. It’s crucial to notify the appropriate authorities and your financial institution right once of any fraudulent transactions. One of the best ways is, close the Flipkart Pay Later account and ensure that it has no impact on your CIBIL Score is to email IDFC Bank and Flipkart customer service. Please do not forget to report this type of hacking crime to https://cybercrime.gov.in/ may call 1930. There is a lack of a Flipkart Pay Later secure transactions mechanism. They do not ask for OTP while doing transactions online. A user reported 18 transactions in his/her Pay Later Account and did not receive any OTP for these 18 transactions, which happened in a time span of 15 minutes. Flipkart must ensure to send OTP for every online money transaction.
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