Mpokket Loan App Illegal Charges Exposed | My RBI Complaint Journey

Meta Description – “Mpokket Loan App Ne Mera Profile Par Kaise Illegal Bounce Charges Late Fees Lagaye ? RBI Guidelines Violation Ka Pura Case Study. Jaaniye Consumer Rights Aur Legal Action Process.”

Introduction – Loan Lene Ka Decision

Main Ek Content Creator Hoo, Alag Alag Social Media Platform Par Regular Content Public Karta Hoon. Review Or Experience Purpose Mpokket App Se Main Kuch Month Pehle Loan Liya Tha. Mpokket Loan App RBI Registered Loan App. Main Socha Bahut Achha Service Deta Hoga. Mera Profile Ka Case Main ₹4000 Ka Loan Mila Tha.

The Beginning – Loan Approval Process

✅ RBI Registration Check – Maine Verify Kiya Ki Mpokket Loan App RBI Registered NBFC Hai.

✅ Document Upload – Aadhar, PAN, Bank Details Submit Kiye. (Jaise Normally RBI Registered App Ka Process Hota Hai)

✅ Loan Approval – 2-3 Hours Mein ₹4000 Approve Ho Gaya.

The Shocking Incident – Illegal Bounce Charges

What Actual Happened ?

1st EMI Due Date 23rd August 2025

❌ Auto Debit Active Nahi Tha – Main Intentionally Enable Nahi Kiya Tha.

❌ Manual Repayment Option Choose Kiya Tha – Mpokket Ka Loan Ke Liye Auto Debit Active Karna Parega Aisa Jaruri Nahi Tha.

✅ Repayment Ka Full Intention – Main Mpokket Ka Loan Ko 100% Repayment Karunga Aisa Intention Hai.

2-3 Days After Due Date

Mpokket – ₹150 Bounce Charges Add Kar Diye.
Question – Bounce Charges Tab Lagta Hai, Jab Auto Debit Fail Ho.
Reality – Mere Case Mein Auto-Debit System Active Nahi Tha.

My Immediate Response – Customer Support Battle

Step 1 – Social Media Complaints

EMI Date Ka 2-3 Din Ke Baad Jab Dekha Bounce Charges Laga Diya Gaya Hai, Main Turant Instagram Or Twitter (X) Par Chat Ke Madhyam Se Complain Kiya. Lakin Koi Solution Nahi Mila.

Step 2 – Customer Care Call-Back

Customer Care Se Call Aya Tha EMI Reminder Tatha Recovery Ke Liye.

Customer Care Response – “Bounce Charges Stand Procedure Hai, Pay Karna Hi Hoga”

My Counter – “Auto Debit Active Nahi Tha To Bounce Charge Kaise ? RBI Guidelines Batate Hai Ki … “

The Escalation RBI Complaint !

RBI Banking Ombudsman Complaint

Date – 14 September 2025.
Platform – RBI Complaint Portal Online.
Documents Attached :

Bounce Charges Proof
Customer Care Chat History
Social Media Complain Proof
Written Application About My Complain
Video Recording Complete Proof

Mpokket’s Response After RBI Complaint

✅ Admitted Mistake – “Bounce Charge Galti Se Lag Gaya”

❌ Partial solution – “Sirf Bounce Charges Remove Karenge”

❌ Unfair Stand – “Late Fees Aur Interest Payment Karna Parega”

The Current Deadlock : Payment Blockage Issue

2nd EMI Payment Problem

Due Date – 22 September 2025

Current Status – Payment Blocked

Reason – Mpokket App System Requires

✅ 1st EMI + Interest (I Am Ready To Pay)

❌ Illegal Bounce Charges (Unfair)

❌ Unjustified Late Fees (Illegal)

Catch Situation

Pay Illegal Charges ➡️ Accept Unfair Practice.
Don’t Pay ➡️ Late Fees Keep Increasing.
No Third Party Payment Option Available.

Legal & RBI Guidelines Violation Analysis

RBI Fair Practices Code Violations !

Unfair Practices – Bounce Charges Jab Auto Debit Active Nahi Hai.
Harassment – Din Ke Din Penalty Charges Add Hote Ja Raha Hai Jab Koi Valid Reason Nahi.
Customer Stand – Mein Repayment Karna Chahata Hoo, Lakin Sirf EMI + Interest.

Consumer Protection Act 2019 Violations

Unfair Trade Practices
False Representation
Unjust Enrichment

My Current Stand And Next Steps

What I Willing To Pay

✅ Principal EMI

✅ Genuine Interest

❌ Illegal Bounce Charges

❌ Unjustified Late Fees

Immediate Demands

Sare Illegal Charges Ko Remove Kiya Jaye.
2nd EMI Ko Unblock Kiya Jaye, Taki Main Repayment Kar Payoon.
Mental Harassment Ke Liye Compensation Mile.

Lesson Learned : Consumer Rights Awareness

For mPokket Loan App Users

Loan Lene Se Pehle RBI List Jarur Check Karen.
Mpokket Ka Pura Terms And Conditions Ko Dhan Se Padhe.
Mpokket Customer Care Se Jo Bhi Chat Ya Baat Hoga Pura Records Kakhein.
Agar Customer Ke Saath Kuch Galat Hota Hai To RBI Par Complain Jarur Karein.

Important Documentation Tips

Screenshot Or Photocopy Jaarur Save Karke Rakhein, Har Ek Transection Ka.
Customer Care Se Jo Bhi Chat Hoga Pura Chat Ka Evidence Rakhein.
Customer Care Par Jo Bhi Baat Hoga Call Ke Madhyam Se Pura Recording Rakhein.
Email Ka Pura History Sahi Se Maintain Rakhein.

Conclusion : Justice Fight Continue

Agar Aap Bhi Loan App Se Face Kar Rehe Hain – Unfair Charges, Unjustified Fees, Illegal Activity, Toh :

Don’t Panic – Sab Se Pehle Khud Ka Adhikaar Jane.
Document Everything – Pura Proof Or Evidance Ko Save Karen Jo Ki Future Main As A Document Kam Lage.
Approach RBI – Agar Aap Ke Saath Galat Ho Raha Hai, To RBI Par Complain Jarur Karein.
Share Your Story – Khud Ka Real Story Or Experience Share Karein, Taki Others Existing Or New User Ko Awareness Mile.
More Information – Or Bhi Jayda Jankari Ke Liye Same Web Post Par Add Kiya Gaya Video Ko Jarur Dekhein.

Mpokket Loan App Illegal Charges Exposed | My RBI Complaint Journey