Manideep Bissa

[Manideep Bissa @Liftumani]

In Aug 2024, I took a personal loan from @IDFCFIRSTBank. Later, I discovered a dummy email ID ([email protected]) — never created or authorised by me — was used in my loan and insurance applications.

#BankingFraud #CKYC

[Manideep Bissa @Liftumani]

As thebus tracker in @redBus_in official app is showing that bus departed from the boarding point earlier than schedule time and the operator reported that the passenger was late. I hope @redBus_in will get this point and also understand the mentally trauma I faced in this time.

[Manideep Bissa @Liftumani]

As i have to travel from jaipur to Bikaner in an emergency situation, so at the last moment I booked a bus of Rathore Travels from @redBus_in , which is booked about 5 minutes before departure and I was about to reach boarding point so I called operator for holding the bus

[Manideep Bissa @Liftumani]

Later when I raised the issue with customer support of the @redBus_in , the desk told me to contact bus operator as the operator told the dek that I was late. Now I have paid for the bus in which I am not traveling.

[Manideep Bissa @Liftumani]

No response from @IDFCFIRSTBank even after 30 days on PG Portal Appeal ID: DEABD/E/A/25/0007368

This involves serious issues:
Fake CKYC update
Dummy email reported to CIBIL
Forged loan documentation
Request intervention @DARPG_GoI @DFS_India @RBI
#PGPortal #CIBIL

[Manideep Bissa @Liftumani]

@ICICILombard @IDFCFIRSTBank As confirmed in a call recording with your team, multiple policies were issued using this dummy ID even before my loan, proving a serious case of identity misuse and mis-selling.

And @IDFCFIRSTBank is claiming that I authorised this email ID... HOW??

[Manideep Bissa @Liftumani]

🧵1/ A short story from the land of magical consent 🪄

I took a loan from @IDFCFIRSTBank.
They say I “verified” my email via OTP.

But the same email?
Already used in older insurance policies by @ICICILombard.

Before I applied. Before the loan.

[Manideep Bissa @Liftumani]

@ICICILombard @IDFCFIRSTBank Thanks for the response, but the issue remains unaddressed.

The email ID you've mentioned (biXXXXaniXXXp@...) is my actual email, but the policies were issued using a fake/dummy email ID ([email protected]) — which I never created or authorised.

[Manideep Bissa @Liftumani]

4/ Complaints filed. @RBI & IRDAI looped in.
Still waiting for answers.

#CKYC #DigitalConsent #CustomerAwareness #BimaBharosa #FintechFraud #RegTech

[Manideep Bissa @Liftumani]

3/ I asked for details.
ICICI told me it’s “internal.”

When I share the Google Drive link of the call recording, then, the bank said they don’t accept Google Drive proof.

In 2025. WOW! BRAVO!!

[Manideep Bissa @Liftumani]

@ForbesIndia @forrester — This issue deserves your urgent attention. Financial fraud and lack of transparency like this affect many, and it’s time to bring it to light.
#forbesindia #forbesindiaranking #IDFCFIRSTBank #ForresterCX

[Manideep Bissa @Liftumani]

Hey! @IDFCFIRSTBank No consent, fake email, wrong terms — but full silence until I spoke up. Why?
#IDFCFIRST #InsuranceMisconduct #BankingEthics #CustomerRights #IRDAI #RBI #DigitalConsent #FinancialAccountability

[रक्षा मंत्री कार्यालय/ RMO India @DefenceMinIndia]

एक और बात मैं यहां साफ कहना चाहूंगा। ‘Operation Sindoor’ अभी खत्म नहीं हुआ है। जो कुछ भी हुआ, वह सिर्फ एक ट्रेलर मात्र था। जब सही समय आएगा, तो हम पूरी पिक्चर भी दिखाएंगे: रक्षा मंत्री श्री @rajnathsingh

[Manideep Bissa @Liftumani]

@IDFCFIRSTBank is now asking me to cancel insurance policies citing “lack of consent" just after this Post.
But I’ve been reporting since March 2025 that the entire loan was sanctioned without my consent — and they’ve done nothing.
Why the double standards?
#unfairbanking

[Manideep Bissa @Liftumani]

In Aug 2024, I took a personal loan from @IDFCFIRSTBank. Later, I discovered a dummy email ID ([email protected]) — never created or authorised by me — was used in my loan and insurance applications.

#BankingFraud #CKYC

[Manideep Bissa @Liftumani]

@StarHealthIns Received a call from the Grievance Redressal Officer of @StarHealthIns and assured me that my case regarding the unauthorised insurance policy would be resolved within 7 days.
Appreciate the prompt response and hope for a fair and transparent resolution.🙏

#CustomerSupport

[Manideep Bissa @Liftumani]

⚠️ @StarHealthIns:
I got the policy number after contacting them and the bank.
But to date (May 2025), no policy certificate has been shared, despite emails since March & April.
#CustomerAwareness #IRDAI

[Manideep Bissa @Liftumani]

@ICICILombard I was contacted by the grievance redressal desk of @ICICILombard. They acknowledged the matter and assured me that ICICI Lombard will extend full support in the ongoing investigation. I appreciate their proactive outreach and willingness to assist in resolving the issue.🙏

[Manideep Bissa @Liftumani]

⚠️@ICICILombard
By contacting customer care, I discovered multiple policies were issued using the same email ID.
Visited local branch, confirmed all were from a single branch. In the policy certificate, the Policy term is 1 year, while the loan tenure is 4 years
#DigitalConsent

[Manideep Bissa @Liftumani]

@StarHealthIns Update: @StarHealthIns reached out via DM after my post. I shared the grievance reference number (dated 16 April) since I never received the policy certificate or number.
Waiting for further response.

Hoping for a fair and prompt resolution.

[Manideep Bissa @Liftumani]

This is a reminder that:

🔒 Consent matters.
📑 Data protection matters.
💬 Transparency isn’t optional — it’s a right.
Financial entities must be held accountable for internal misuse of customer identity.
#BankingReform #IdentityProtection #CyberEthics

[Manideep Bissa @Liftumani]

I’ve escalated the entire case to @RBI and @IRDAI_India with detailed email records, call recordings, and document discrepancies.

It’s critical we demand data accountability from financial institutions.

#RBI #IRDAI #DataSecurity