Last updated: March 2026

Grievance Redressal

At CreditPey, we are committed to resolving every customer concern fairly and promptly. This Grievance Redressal Policy is established in accordance with the RBI's Fair Practices Code for NBFCs and the Information Technology Act 2000. We respond to all grievances within 7 working days.

Digner Finlease & Investment Pvt Ltd

RBI Reg. No. B-14.01877

Grievance Email

grievance@creditpey.com

Preferred for complaints

Phone

+91 70801 80801

Mon–Sat, 10 AM – 6 PM

Response Time

7 Working Days

From receipt of complaint

1 How to Raise a Grievance

You can raise a grievance with CreditPey through any of the following channels:

Email Us

Write to grievance@creditpey.com with your complaint details, loan reference number (if applicable), and contact information.

Call Us

Call +91 70801 80801 Monday to Saturday, 10 AM – 6 PM. Our team will log your complaint and provide a reference number.

Write to Us

Send a written complaint to: C-2, Fourth Floor, Near Metro Station Janakpuri West, New Krishna Park, Vikaspuri, Delhi, 110018.

Please include in your complaint: Your full name, registered mobile number, loan application/reference number (if any), nature of the complaint, and any supporting documents. This helps us resolve your issue faster.

2 Types of Complaints We Handle

You may raise a grievance with us for any of the following:

Delay in loan disbursal after approval and document verification
Incorrect deduction of processing fee or other charges
Loan repayment not reflecting in your account or loan ledger
Errors in EMI schedule, outstanding balance, or interest calculation
Issues with ECS / NACH mandate or auto-debit failures
Pre-closure or loan closure not processed correctly
NOC (No Objection Certificate) not received after full repayment
Concerns about recovery or collection practices
Data privacy or unauthorised use of personal information
Fraud or impersonation of CreditPey by third parties
Any other service-related concern

3 Complaint Resolution Timeline

CreditPey is committed to resolving all grievances within the following timelines, as per RBI's Fair Practices Code:

Acknowledgement: Within 1 working day of receiving your complaint
Interim response (for complex matters): Within 3 working days
Final resolution: Within 7 working days of receipt
Written closure communication: Sent upon resolution with outcome details

If you are not satisfied with the resolution provided within 30 days, you have the right to escalate your complaint to the RBI Ombudsman — see Section 4 below.

4 Escalation to RBI Ombudsman

If your grievance is not resolved to your satisfaction within 30 days of raising it with CreditPey, you have the right to escalate to the Reserve Bank of India Integrated Ombudsman Scheme.

RBI Integrated Ombudsman — Online Complaint Portal

File your complaint online at: cms.rbi.org.in | Toll-free: 14448 | Email: crpc@rbi.org.in

You may approach the RBI Ombudsman if:

CreditPey has not resolved your complaint within 30 days
You are not satisfied with the resolution provided
CreditPey has rejected your complaint

5 Your Rights During Recovery & Collection

In accordance with the RBI's Fair Practices Code, CreditPey ensures that recovery and collection activities are conducted in a respectful, lawful, and transparent manner. You have the right to:

Be treated with dignity and respect at all times — harassment, intimidation, or coercive behaviour is strictly prohibited
Receive advance notice before any recovery action is initiated
Be informed of the outstanding amount, charges, and penalty details
Request a repayment restructuring plan if you are facing genuine financial difficulty — contact us proactively at info@creditpey.com
File a complaint if you believe a recovery agent has acted improperly

If you are facing difficulty in repayment, please contact us before the due date at +91 70801 80801 or info@creditpey.com. We will work with you to find a suitable arrangement.

6 Data Privacy Grievances

Under the Digital Personal Data Protection Act 2023 (DPDPA), you have the right to raise a complaint regarding how your personal data is collected, used, or shared. You may:

Request access to personal data we hold about you
Request correction of inaccurate or incomplete data
Request deletion of your data (subject to legal retention obligations)
Withdraw consent for marketing communications at any time
File a data privacy complaint with our Grievance Officer at grievance@creditpey.com

For detailed information on your data rights, please read our Privacy Policy.