Verified: 13 July 2026 05:30 am IST
Industry: Fintech & Digital Lending (LSP / NBFC)
Jurisdiction: India
Primary Regulator: Reserve Bank of India (RBI)
Important Safety Warning: Beware of the “Fake Support & Screen Share Scam.” Scammers frequently buy ads on Google displaying fake KreditBee customer service helplines. This is a scam. KreditBee staff will never ask you to pay a “processing fee” to unlock your credit limit, share your UPI PIN, request an OTP, or ask you to download third-party screen-sharing apps (like AnyDesk/RustDesk) to troubleshoot a failed repayment.
Level 1: Customer Support (Initial Complaint)
How to complain: Register your complaint (billing errors, repayment failures, coercive recovery calls, or credit limit issues) directly by calling the official KreditBee customer care numbers at 080-44292200 or 080-68534522. You can also log the complaint directly via the KreditBee App or email help@kreditbee.in. You must insist on receiving a unique “Ticket Number” - without this number, your complaint does not legally exist in the regulatory system.
Availability: The telephone helplines operate Monday to Saturday, 8:00 AM to 8:00 PM.
Timeline: KreditBee aims to acknowledge complaints immediately and resolve Level 1 issues within 14 days, though the absolute regulatory maximum before external escalation is 30 days.
Level 2: Internal Escalation (Grievance Redressal Officer)
Who to contact: If Level 1 support fails, your repayment is not updated, or your account is unjustly blocked, you must escalate to the platform’s Grievance Redressal Officer. You must email your formal grievance, clearly stating your original Level 1 Ticket Number, to help@kreditbee.in (for the app) or grievance@kbnbfc.in (for KrazyBee).
Timeline: The Grievance Redressal Officer must review the escalation and provide a reasoned resolution within 14 days of receipt.
Level 3: Final Internal Escalation (Principal Nodal Officer & Partner NBFC)
Who to contact: If your complaint remains unresolved after escalating to the Grievance Redressal Officer, you must contact the final internal authority: the Principal Nodal Officer. You can email your appeal to grievance@kreditbee.in or pno@kbnbfc.in. You can also call the Nodal desk directly at 080-44292233.
CRITICAL: If your loan was funded by a partner NBFC (e.g., Tata Capital, Cholamandalam), you must also email that specific NBFC’s Nodal Officer if KreditBee rejects your claim. Written legal notices must be sent via physical post to their corporate headquarters (Finnovation Tech Solutions Private Limited, 4th Floor, Anjaneya Techno Park, No. 147, HAL Old Airport Road, ISRO Colony, Kodihalli, Bengaluru, Karnataka – 560008).
Timeline: The total time from your initial Level 1 complaint to the final Nodal Officer resolution must not exceed 30 days.
Level 4: Administrative Mediation (RBI Ombudsman & Sachet Portal)
Authority: If KreditBee’s Nodal Officer (or the partner NBFC) rejects your claim, or 30 days have passed since your initial Level 1 complaint without a resolution, you have exhausted internal remedies. For lending issues, unfair recovery practices, or systemic failures, you must approach the Reserve Bank of India (RBI) Integrated Ombudsman Scheme.
Portal/Contact: File general lending/fintech complaints with the RBI online at cms.rbi.org.in or by calling the toll-free number 14448. Make sure you specify the actual NBFC lender’s name from your loan agreement. For complaints about harassment by recovery agents or unauthorized digital lending operations, you can use the RBI’s specialized Sachet portal (sachet.rbi.org.in). For critical security issues like cyber fraud or scams, you must immediately report it via the National Cyber Crime Reporting Portal at cybercrime.gov.in or call 1930.
Level 5: Legal Action (Final Step)
Pre-Litigation: If administrative mediation fails, or the company refuses to comply with a demand for compensation regarding severe financial loss or destroyed CIBIL scores due to their error, you have exhausted all administrative avenues. You must now prepare for formal litigation under the Consumer Protection Act, 2019.
Court/Arbitration: You must file a formal complaint with the appropriate Consumer Disputes Redressal Commission against Finnovation Tech Solutions Private Limited (and the respective NBFC lender). You can file your case entirely online using the government’s unified e-Jagriti portal (e-jagriti.gov.in). You can also use the National Consumer Helpline (NCH) at 1915 for pre-litigation counseling.
Timeline: You must file the consumer case within two years from the date the cause of action occurred.
Community Action: Is KreditBee refusing to correct a false default report on your CIBIL score after 30 days, or are you looking for the correct template to formally escalate harassment by recovery agents to the Bengaluru Nodal Officer? Reply below (do not share your passwords, bank details, or your exact phone numbers), and our community will point you to the right resources!