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Anurag Chandra
@Anurag_8880
Obsession for perfection....
Be a voice not an echo...
Kolkata,INDIA
Joined April 2017
86 Following
85 Followers
74 Posts
How @upGrad_edu responds when an ailing, bedridden student exposes their failures:
An official 48-hour ultimatum email threatening to unilaterally cancel my settlement unless I sign an unconditional blank waiver and let them pocket ₹1.85 LAKHS of my money for ZERO services rendered.
Here is how upGrad operates behind the scenes:
* They demanded I sign a gag order on stamp paper, verbally promising a refund but telling me to write "0" on the form.
* I protected myself by adding an explicit clause: the waiver is void unless my full money is refunded.
* Now, upGrad is panicking over that clause—refusing to put refund numbers in writing and threatening to withdraw the resolution entirely.
* Meanwhile, my CIBIL crashed from 764 to 580 because they sat on loan closure for a month, and recovery agents were sent to my home during Durga Puja while I was bedridden with severe Crohn’s Disease.
I reject your sham ultimatum.
I challenge @RonnieScrewvala Show proof of even ₹1 spent on my profile. Refund my ₹2,42,360 and issue zero-liability loan closure NOCs immediately!
#EdTechScam #upGradExposed #PredatoryLending #ConsumerRights #CIBIL #RonnieScrewvala #MayankKumar @PropelldEduFin @abcapital @malpani
@pooniaV3
Please Help.
Bringing this aggressive coercion, co-lending misconduct, and refusal to provide written refund figures to the immediate notice of regulators:
@jagograhakjago @consaff @RBI @FinMinIndia @nsitharaman @EduMinOfIndia @dpradhanbjp @ASCIOfficial @consumerforum_
@Official_AISU @nsui @ABVPVoice @LiveLawIndia @barandbench @TheDeshBhakt @pooniaV3
Threatening a certified bedridden patient with 48-hour ultimatums over zero services rendered is predatory. Take immediate regulatory cognizance! #ConsumerProtection
Please Help.
Bringing this aggressive coercion, co-lending misconduct, and refusal to provide written refund figures to the immediate notice of regulators:
@jagograhakjago @consaff @RBI @FinMinIndia @nsitharaman @EduMinOfIndia @dpradhanbjp @ASCIOfficial @consumerforum_
@Official_AISU @nsui @ABVPVoice @LiveLawIndia @barandbench @TheDeshBhakt @pooniaV3
Threatening a certified bedridden patient with 48-hour ultimatums over zero services rendered is predatory. Take immediate regulatory cognizance! #ConsumerProtection
How @upGrad_edu responds when an ailing, bedridden student exposes their failures:
An official 48-hour ultimatum email threatening to unilaterally cancel my settlement unless I sign an unconditional blank waiver and let them pocket ₹1.85 LAKHS of my money for ZERO services rendered.
Here is how upGrad operates behind the scenes:
* They demanded I sign a gag order on stamp paper, verbally promising a refund but telling me to write "0" on the form.
* I protected myself by adding an explicit clause: the waiver is void unless my full money is refunded.
* Now, upGrad is panicking over that clause—refusing to put refund numbers in writing and threatening to withdraw the resolution entirely.
* Meanwhile, my CIBIL crashed from 764 to 580 because they sat on loan closure for a month, and recovery agents were sent to my home during Durga Puja while I was bedridden with severe Crohn’s Disease.
I reject your sham ultimatum.
I challenge @RonnieScrewvala Show proof of even ₹1 spent on my profile. Refund my ₹2,42,360 and issue zero-liability loan closure NOCs immediately!
#EdTechScam #upGradExposed #PredatoryLending #ConsumerRights #CIBIL #RonnieScrewvala #MayankKumar @PropelldEduFin @abcapital @malpani
@pooniaV3
While certified on strict bed rest by Peerless Hospital for severe Crohn’s Disease and Rheumatoid Arthritis, I was pushed into financial distress by @upGrad_edu, @PropelldEduFin and @abcapital after paying ₹2.42 lakh for UK Premium Services that delivered zero services. Loan closure was promised in writing but delayed, CIBIL dropped from 764 to 580, and recovery agents visited my home during Durga Puja. Full documented complaint, emails, and timeline are on my profile — please check and share. I demand 100% refund + zero-liability loan NOC.
@upGrad_edu @PropelldEduFin @abcapital @RonnieScrewvala @jagograhakjago @RBI @FinMinIndia @nsitharaman @EduMinOfIndia @consumerforum_ @LiveLawIndia @barandbench @TheDeshBhakt @Official_AISU @nsui
#upGradExposed #EdTechComplaint #ConsumerRights #PredatoryLending #StudentSafety #CIBIL #StopHarassment #ConsumerProtection
@abcapital Thank you for the response.
Please note LANs: LXE-K06825-263989153 & LXW-M06825-264012224.
upGrad committed in writing to foreclose these merchant loans on 14th Sept. Because of their delays, recovery agents were sent to my residence during Durga Puja while I was bedridden, and my CIBIL was crashed from 764 to 580.
I require immediate written confirmation of loan cancellation, zero liability NOCs, and deletion of adverse credit bureau reporting.
While certified on strict bed rest by Peerless Hospital for severe Crohn’s Disease and Rheumatoid Arthritis, I was pushed into financial distress by @upGrad_edu, @PropelldEduFin and @abcapital after paying ₹2.42 lakh for UK Premium Services that delivered zero services. Loan closure was promised in writing but delayed, CIBIL dropped from 764 to 580, and recovery agents visited my home during Durga Puja. Full documented complaint, emails, and timeline are on my profile — please check and share. I demand 100% refund + zero-liability loan NOC.
@upGrad_edu @PropelldEduFin @abcapital @RonnieScrewvala @jagograhakjago @RBI @FinMinIndia @nsitharaman @EduMinOfIndia @consumerforum_ @LiveLawIndia @barandbench @TheDeshBhakt @Official_AISU @nsui
#upGradExposed #EdTechComplaint #ConsumerRights #PredatoryLending #StudentSafety #CIBIL #StopHarassment #ConsumerProtection
How @upGrad_edu, @propelld & @AdityaBirlaCap trapped a bedridden student battling Crohn’s Disease & Rheumatoid Arthritis into severe financial distress, ruined his credit score, and attempted a ₹1.85 Lakh extortion scheme: A documented exposure.
In August 2026, when my initial post exposing upGrad went viral, their senior operations executive Kushagra Malhotra called repeatedly, pleading with me to delete it. He assured me upGrad was a "student-centric company" and promised an expedited, priority resolution in my favor.
I trusted them in good faith and deleted the post. That trust was weaponized against me. The moment public scrutiny vanished, upGrad began a systematic campaign of delays, deceit, and psychological pressure lasting over two months:
1. ZERO SERVICES DELIVERED (EXTORTION OF ₹2.42 LAKHS):
I enrolled in their "UK Premium Services" package valued at ₹3,70,000. In return, I received precisely ZERO services. No university admission was processed, no loan was arranged (instead duplicate loans were forced on my mother and me), and I prepared and appeared for my IELTS entirely on my own without a single session of support.
Despite delivering nothing, my family was made to pay ₹2,42,360 out-of-pocket (₹50,000 direct advance + 14 monthly EMIs across Axis Bank and SBI).
2. DELIBERATE CIBIL DESTRUCTION (764 DOWN TO 580):
upGrad formally committed in writing on 14th September to foreclose both loan accounts (LXE-K06825-263989153 & LXW-M06825-264012224). Relying on their written commitment that closure would happen within a month, EMI payments were paused.
Instead of executing closure, upGrad sat on the file for over a month. Result? My pristine CIBIL score of 764 was dragged down to a catastrophic 580.
3. PHYSICAL HARASSMENT & DOORSTEP THUGGERY DURING FESTIVALS:
While I lay confined to strict bed rest certified by Peerless Hospital, upGrad’s lending partners unleashed recovery agents on my residence:
* Intimidating demand notices from Legopedia Solicitors threatening criminal action.
* Physical doorstep visits by recovery agents to my home in Kolkata during Durga Puja, coercing and humiliating my family.
4. THE AFFIDAVIT TRAP & THE FAKE "VERBAL AGREEMENT":
upGrad sent a legal undertaking demanding a complete gag order and surrender of my legal rights. Over calls, they assured me ₹1,85,000 would be refunded to my account, but instructed me to write "0" on the official form!
Anticipating foul play, I added an explicit conditional clause into my sworn notarized affidavit: the document is completely VOID unless the full ₹1,85,000 hits my bank account.
Now upGrad has dropped the mask: they claim on calls that I "verbally agreed" to let them keep ₹1,85,000 of my cash while handing me an insulting ₹57,360!
When I challenged them to produce call recordings or written proof, Kushagra Malhotra disconnected the call on my face, demanded to speak to an "elder," and threatened me with legal action for daring to share the truth. To add to this, their leadership on call made condescending remarks, stating they believed I was "intelligent enough" to accept their twisted interpretation of a 50% refund.
Today, their support head Ayush Gupta promised over a recorded call that a final resolution would be given today itself without asking for more time. Instead, they just sent an email demanding a fresh 45 working days delay or asking me to take ₹57,360.
I challenge @RonnieScrewvala & @MayankKumar_: Produce an audited expense sheet showing where upGrad spent even ONE RUPEE on me.
I reject your sham options. I demand a 100% refund of my ₹2,42,360 and an immediate zero-liability loan NOC!
#EdTechScam #upGradExposed #PredatoryLending #ConsumerRights #CIBIL #StudentSafety #StopHarassment #RBI #RonnieScrewvala #MayankKumar
How @upGrad_edu, @propelld & @AdityaBirlaCap trapped a bedridden student battling Crohn’s Disease & Rheumatoid Arthritis into severe financial distress, ruined his credit score, and attempted a ₹1.85 Lakh extortion scheme: A documented exposure.
In August 2026, when my initial post exposing upGrad went viral, their senior operations executive Kushagra Malhotra called repeatedly, pleading with me to delete it. He assured me upGrad was a "student-centric company" and promised an expedited, priority resolution in my favor.
I trusted them in good faith and deleted the post. That trust was weaponized against me. The moment public scrutiny vanished, upGrad began a systematic campaign of delays, deceit, and psychological pressure lasting over two months:
1. ZERO SERVICES DELIVERED (EXTORTION OF ₹2.42 LAKHS):
I enrolled in their "UK Premium Services" package valued at ₹3,70,000. In return, I received precisely ZERO services. No university admission was processed, no loan was arranged (instead duplicate loans were forced on my mother and me), and I prepared and appeared for my IELTS entirely on my own without a single session of support.
Despite delivering nothing, my family was made to pay ₹2,42,360 out-of-pocket (₹50,000 direct advance + 14 monthly EMIs across Axis Bank and SBI).
2. DELIBERATE CIBIL DESTRUCTION (764 DOWN TO 580):
upGrad formally committed in writing on 14th September to foreclose both loan accounts (LXE-K06825-263989153 & LXW-M06825-264012224). Relying on their written commitment that closure would happen within a month, EMI payments were paused.
Instead of executing closure, upGrad sat on the file for over a month. Result? My pristine CIBIL score of 764 was dragged down to a catastrophic 580.
3. PHYSICAL HARASSMENT & DOORSTEP THUGGERY DURING FESTIVALS:
While I lay confined to strict bed rest certified by Peerless Hospital, upGrad’s lending partners unleashed recovery agents on my residence:
* Intimidating demand notices from Legopedia Solicitors threatening criminal action.
* Physical doorstep visits by recovery agents to my home in Kolkata during Durga Puja, coercing and humiliating my family.
4. THE AFFIDAVIT TRAP & THE FAKE "VERBAL AGREEMENT":
upGrad sent a legal undertaking demanding a complete gag order and surrender of my legal rights. Over calls, they assured me ₹1,85,000 would be refunded to my account, but instructed me to write "0" on the official form!
Anticipating foul play, I added an explicit conditional clause into my sworn notarized affidavit: the document is completely VOID unless the full ₹1,85,000 hits my bank account.
Now upGrad has dropped the mask: they claim on calls that I "verbally agreed" to let them keep ₹1,85,000 of my cash while handing me an insulting ₹57,360!
When I challenged them to produce call recordings or written proof, Kushagra Malhotra disconnected the call on my face, demanded to speak to an "elder," and threatened me with legal action for daring to share the truth. To add to this, their leadership on call made condescending remarks, stating they believed I was "intelligent enough" to accept their twisted interpretation of a 50% refund.
Today, their support head Ayush Gupta promised over a recorded call that a final resolution would be given today itself without asking for more time. Instead, they just sent an email demanding a fresh 45 working days delay or asking me to take ₹57,360.
I challenge @RonnieScrewvala & @MayankKumar_: Produce an audited expense sheet showing where upGrad spent even ONE RUPEE on me.
I reject your sham options. I demand a 100% refund of my ₹2,42,360 and an immediate zero-liability loan NOC!
#EdTechScam #upGradExposed #PredatoryLending #ConsumerRights #CIBIL #StudentSafety #StopHarassment #RBI #RonnieScrewvala #MayankKumar
@meancuntzz Please help! Like last time
While certified on strict bed rest by Peerless Hospital for severe Crohn’s Disease and Rheumatoid Arthritis, I was pushed into financial distress by @upGrad_edu, @PropelldEduFin and @abcapital after paying ₹2.42 lakh for UK Premium Services that delivered zero services. Loan closure was promised in writing but delayed, CIBIL dropped from 764 to 580, and recovery agents visited my home during Durga Puja. Full documented complaint, emails, and timeline are on my profile — please check and share. I demand 100% refund + zero-liability loan NOC.
@upGrad_edu @PropelldEduFin @abcapital @RonnieScrewvala @jagograhakjago @RBI @FinMinIndia @nsitharaman @EduMinOfIndia @consumerforum_ @LiveLawIndia @barandbench @TheDeshBhakt @Official_AISU @nsui
#upGradExposed #EdTechComplaint #ConsumerRights #PredatoryLending #StudentSafety #CIBIL #StopHarassment #ConsumerProtection
Tagging student rights advocates, consumer protection forums, and grievance handles to highlight how students are pushed into multi-lender debt traps without delivery:
@jagograhakjago @IndiaConsumers @student_voice_1 @aisfaindia @nsui @ABVPVoice @AdvocateMahima @LiveLawIndia @barandbench
Retaining full funds for unrendered third-party services is Unjust Enrichment under the Consumer Protection Act, 2019. Please help amplify!
#upGrad #EdTechScam #ConsumerProtection #JagoGrahakJago #Propelld #AdityaBirlaCapital #CrohnsDisease #StudentRights
The documented timeline proving @upGrad_edu acted in calculated bad faith:
• 14 Sep: upGrad promises loan closure + 50% refund "in your favour".
• 16 Sep: I immediately demanded an exact numerical breakdown in INR before accepting anything.
• 19 Sep: I submitted complete bank statements proving ₹2,42,360 already paid out of pocket.
• 26 Sep: upGrad’s Kushagra admits in writing: "final numerical figures cannot be confirmed until verification is completed".
• 7 Oct: Closure deadline lapses; Propelld collection calls & bounce charges continue daily.
• 10 Oct: Physical legal notices delivered to my residence.
• Mid-Oct: After 32 days of deliberate silence, they verbally claim I "agreed" to let them keep ₹1.85L and take only ₹57k!
• Today: Ayush Gupta promises a final resolution today without asking for more time, only for upGrad to email demanding another 45-working-day delay!
They have no written proof of my agreement to ₹57k. They have no signed affidavit without my protective clause. I will not stop until every single rupee of my ₹2,42,360 is credited back and both loan accounts are shut down!
Bringing this daylight robbery, predatory co-lending harassment, and bad-faith manipulation to the immediate notice of regulatory authorities, student bodies, and consumer watchdogs:
@jagograhakjago @consaff @RBI @FinMinIndia @nsitharaman @EduMinOfIndia @PIB_India @Cyberdost @consumerforum_ @ASCIOfficial
@Official_AISU @nsui @ABVPVoice @AllIndiaSUS @LiveLawIndia @barandbench @TheDeshBhakt
@RonnieScrewvala @PropelldEduFin @AdityaBirlaGrp
A student certified with debilitating autoimmune conditions on strict bed rest is being harassed at his doorstep by recovery agents while upGrad hoards his money after rendering zero services.I request all viewers to share this and help me out of this, and let everyone know what kind of exploitative organisation upGrad is. Take immediate regulatory cognizance! #EdTechScam #ConsumerProtection
How @upGrad_edu, @propelld & @AdityaBirlaCap trapped a bedridden student battling Crohn’s Disease & Rheumatoid Arthritis into severe financial distress, ruined his credit score, and attempted a ₹1.85 Lakh extortion scheme: A documented exposure.
In August 2026, when my initial post exposing upGrad went viral, their senior operations executive Kushagra Malhotra called repeatedly, pleading with me to delete it. He assured me upGrad was a "student-centric company" and promised an expedited, priority resolution in my favor.
I trusted them in good faith and deleted the post. That trust was weaponized against me. The moment public scrutiny vanished, upGrad began a systematic campaign of delays, deceit, and psychological pressure lasting over two months:
1. ZERO SERVICES DELIVERED (EXTORTION OF ₹2.42 LAKHS):
I enrolled in their "UK Premium Services" package valued at ₹3,70,000. In return, I received precisely ZERO services. No university admission was processed, no loan was arranged (instead duplicate loans were forced on my mother and me), and I prepared and appeared for my IELTS entirely on my own without a single session of support.
Despite delivering nothing, my family was made to pay ₹2,42,360 out-of-pocket (₹50,000 direct advance + 14 monthly EMIs across Axis Bank and SBI).
2. DELIBERATE CIBIL DESTRUCTION (764 DOWN TO 580):
upGrad formally committed in writing on 14th September to foreclose both loan accounts (LXE-K06825-263989153 & LXW-M06825-264012224). Relying on their written commitment that closure would happen within a month, EMI payments were paused.
Instead of executing closure, upGrad sat on the file for over a month. Result? My pristine CIBIL score of 764 was dragged down to a catastrophic 580.
3. PHYSICAL HARASSMENT & DOORSTEP THUGGERY DURING FESTIVALS:
While I lay confined to strict bed rest certified by Peerless Hospital, upGrad’s lending partners unleashed recovery agents on my residence:
* Intimidating demand notices from Legopedia Solicitors threatening criminal action.
* Physical doorstep visits by recovery agents to my home in Kolkata during Durga Puja, coercing and humiliating my family.
4. THE AFFIDAVIT TRAP & THE FAKE "VERBAL AGREEMENT":
upGrad sent a legal undertaking demanding a complete gag order and surrender of my legal rights. Over calls, they assured me ₹1,85,000 would be refunded to my account, but instructed me to write "0" on the official form!
Anticipating foul play, I added an explicit conditional clause into my sworn notarized affidavit: the document is completely VOID unless the full ₹1,85,000 hits my bank account.
Now upGrad has dropped the mask: they claim on calls that I "verbally agreed" to let them keep ₹1,85,000 of my cash while handing me an insulting ₹57,360!
When I challenged them to produce call recordings or written proof, Kushagra Malhotra disconnected the call on my face, demanded to speak to an "elder," and threatened me with legal action for daring to share the truth. To add to this, their leadership on call made condescending remarks, stating they believed I was "intelligent enough" to accept their twisted interpretation of a 50% refund.
Today, their support head Ayush Gupta promised over a recorded call that a final resolution would be given today itself without asking for more time. Instead, they just sent an email demanding a fresh 45 working days delay or asking me to take ₹57,360.
I challenge @RonnieScrewvala & @MayankKumar_: Produce an audited expense sheet showing where upGrad spent even ONE RUPEE on me.
I reject your sham options. I demand a 100% refund of my ₹2,42,360 and an immediate zero-liability loan NOC!
#EdTechScam #upGradExposed #PredatoryLending #ConsumerRights #CIBIL #StudentSafety #StopHarassment #RBI #RonnieScrewvala #MayankKumar
The documented timeline proving @upGrad_edu acted in calculated bad faith:
• 14 Sep: upGrad promises loan closure + 50% refund "in your favour".
• 16 Sep: I immediately demanded an exact numerical breakdown in INR before accepting anything.
• 19 Sep: I submitted complete bank statements proving ₹2,42,360 already paid out of pocket.
• 26 Sep: upGrad’s Kushagra admits in writing: "final numerical figures cannot be confirmed until verification is completed".
• 7 Oct: Closure deadline lapses; Propelld collection calls & bounce charges continue daily.
• 10 Oct: Physical legal notices delivered to my residence.
• Mid-Oct: After 32 days of deliberate silence, they verbally claim I "agreed" to let them keep ₹1.85L and take only ₹57k!
• Today: Ayush Gupta promises a final resolution today without asking for more time, only for upGrad to email demanding another 45-working-day delay!
They have no written proof of my agreement to ₹57k. They have no signed affidavit without my protective clause. I will not stop until every single rupee of my ₹2,42,360 is credited back and both loan accounts are shut down!
Bringing this daylight robbery, predatory co-lending harassment, and bad-faith manipulation to the immediate notice of regulatory authorities, student bodies, and consumer watchdogs:
@jagograhakjago @consaff @RBI @FinMinIndia @nsitharaman @EduMinOfIndia @PIB_India @Cyberdost @consumerforum_ @ASCIOfficial
@Official_AISU @nsui @ABVPVoice @AllIndiaSUS @LiveLawIndia @barandbench @TheDeshBhakt
@RonnieScrewvala @PropelldEduFin @AdityaBirlaGrp
A student certified with debilitating autoimmune conditions on strict bed rest is being harassed at his doorstep by recovery agents while upGrad hoards his money after rendering zero services.I request all viewers to share this and help me out of this, and let everyone know what kind of exploitative organisation upGrad is. Take immediate regulatory cognizance! #EdTechScam #ConsumerProtection
NCH Docket 10065602 | upGrad tickets #4862427 / #4875216
Services not delivered (visa, flight, tuition support). Medical certificate on record: Crohn’s + RA, unfit to continue. Lenders @abcapital @PropelldEduFin still auto-debiting ~₹30,000/month.
Request: stop NACH immediately + merchant cancellation + full refund for unrendered services.
@nch1915 @jagograhakjago @EduMinOfIndia @ugc_india @RBI
@nch1915
@jagograhakjago
@DeptConsumerAff
@EduMinOfIndia
@ugc_india
@RBI
@aisfaindia
@nsui
@ABVPVoice
@LiveLawIndia
@barandbench
Tagging student rights advocates, consumer protection forums, and grievance handles to highlight how students are pushed into multi-lender debt traps without delivery:
@jagograhakjago @IndiaConsumers @student_voice_1 @aisfaindia @nsui @ABVPVoice @AdvocateMahima @LiveLawIndia @barandbench
Retaining full funds for unrendered third-party services is Unjust Enrichment under the Consumer Protection Act, 2019. Please help amplify!
#upGrad #EdTechScam #ConsumerProtection #JagoGrahakJago #Propelld #AdityaBirlaCapital #CrohnsDisease #StudentRights
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