Sidhartha Ray

Data Engineer | Big Data Trainer | Investing in CryptoCurrencies - ETH, LTC, DOT, LINK, ICP, SOL, XRP

[Sidhartha Ray @raysidharth]

6/6 @AmericanExpressIN @RBI_Speaks @jagograhakjago
Demands:
✅ Stop all collection immediately
✅ Waive all fees & charges
✅ Reverse ALL negative CIBIL reporting
✅ Written zero balance confirmation
No resolution in 48hrs → RBI Ombudsman + NCDRC consumer court. #RBIComplaint

[Sidhartha Ray @raysidharth]

5/6 @AmericanExpressIN
Worst of all — you are reporting this to CIBIL & DESTROYING my credit score for dues I DO NOT OWE. This is wrongful credit reporting and I will hold Amex legally accountable!

[Sidhartha Ray @raysidharth]

4/6 @AmericanExpressIN
Your collection agencies QUESS, Charter BPO & Secure Debt Management have been harassing me non-stop for 2+ years with calls & threats. I am currently OUTSIDE India. This is illegal harassment under RBI guidelines!

[Sidhartha Ray @raysidharth]

3/6 @AmericanExpressIN
I cleared ALL dues. I even paid TWICE by mistake. Yet late fees + finance charges + annual fee (₹1,500) kept piling up. Outstanding now shown as ₹14,291.63 — entirely penalties on UNAUTHORIZED transactions!

[Sidhartha Ray @raysidharth]

2/6 @AmericanExpressIN
My card expired July 2023. You tried sending renewal but it was RETURNED. Despite this, Zoom ($176.88 = ₹15,247) & Canva (₹3,999) auto-debited my expired card WITHOUT my re-authorization. This is a clear RBI violation!

[Sidhartha Ray @raysidharth]

1/6 @AmericanExpressIN @AskAmex @RBI_Speaks
Urgent complaint: 2+ years of harassment on an EXPIRED card (ending 2001). Renewal card never delivered. Yet bills keep coming. Here's my story 🧵

[Sidhartha Ray @raysidharth]

@AmericanExpressIN @AskAmex Collection agencies still harassing & damaging my CIBIL/credit score unfairly. DM to resolve or escalating to @RBI_Speaks #AmexIndia

[Sidhartha Ray @raysidharth]

@AmericanExpressIN @AskAmex Expired card (2001) charged without consent for 4+ yrs. Renewal card never delivered. Paid all dues twice. Agencies QUESS/Charter BPO still harassing.Clear RBI violation. Resolve in 48hrs or filing RBI Ombudsman + consumer court. @RBI_Speaks #AmexIndia

[Sidhartha Ray @raysidharth]

@foxitsoftware Adobe has been charging me $36.98/month without any way to cancel through their portal. Support tickets go unanswered. This is predatory billing and I want my ~$998 refunded immediately. Fix this NOW @Adobe @AdobeCare #Adobe #UnfairBilling #ConsumerRights

[Sidhartha Ray @raysidharth]

Why is my account being charged every month for Adobe Acrobat/AI Assistant without my consent? I never subscribed to this service and I’m not using it. Please investigate and stop these unauthorized charges.@Adobe

[Sidhartha Ray @raysidharth]

@piacsm I did not authorize auto-renewal, yet my account was charged. Please cancel immediately and refund the charges. Otherwise, I will file a complaint with U.S. consumer protection authorities.@piacsm

[Sidhartha Ray @raysidharth]

Hi Team @piacsm,
I've stopped using PIA from quite a long, I didn't even enable auto renew option, I'm not sure you did you charge without my consent!
Kindly refund my amount!

[Sidhartha Ray @raysidharth]

@piacsm Please refund my amount asap @piacsm

[Sidhartha Ray @raysidharth]

Hi Team,
Kindly refund my linkedin premium subscription fees, I just cancelled it, it's too costly!
@LinkedInHelp

[Sidhartha Ray @raysidharth]

Got charged for a transaction I never made. Bank says refund will take 120 days! Who’s paying the interest in the meantime? Why should customers suffer for fraud? #ConsumerRights #FraudAlert
@AxisBankSupport @AxisBank @nsitharaman @jagograhakjago

[Sidhartha Ray @raysidharth]

Hi @AxisBankSupport , spotted 2 fraudulent charges on my card (ending 8245). Reported instantly as “Not mine” but still on my statement. Please reverse asap.
@nsitharaman @AxisBank @JaagoGrahak

[Sidhartha Ray @raysidharth]

I’m in the USA & my India no. is unreachable. I got SMS/email alerts for fraudulent charges, replied ‘No,’ and AxisBank even emailed saying transactions were declined. Yet, they still show up on my bill. Please fix this! @AxisBank @AxisBankSupport @nsitharaman

[Sidhartha Ray @raysidharth]

Hi @KotakBankLtd @StanChartHelp ,
Could you please resolve my query (SR/Interaction <30675275>)?
@udaykotak @RBI @PMOIndia @jagograhakjago

[Sidhartha Ray @raysidharth]

Took a personal loan SPLN90932618 from @StanChartHelp in Jan 2021 with 1% pre-closure after 36 EMIs. Now @KotakBankLtd (who took over) is demanding 3% — not in the original terms. Been chasing for a month. Frustrating when banks don’t honor agreements. Anyone else faced this?@RBI

[Sidhartha Ray @raysidharth]

@udaykotak I’m being charged 3% foreclosure fee on my personal loan taken from Standard Chartered, despite the agreement clearly stating 1% after 36 EMIs. Kotak took over the loan but not the terms. This is unfair and unresolved after weeks of follow-up. Please help. #KotakBank