Paid off your ZestMoney loan but it still shows EMI pending or active? Don’t let it ruin your credit score! Learn how to fix it fast and file a public complaint on Choice4Voice.com to get urgent action.
ZestMoney Loan Closed But EMI Still Showing? Here’s the Only Fix That Actually Works
So you paid off your ZestMoney loan, cleared every EMI, and assumed it’s over…
But when you open the app or check your CIBIL report, it still shows:
- EMI Pending
- Loan Status: Active
- Or worse you’re getting recovery calls again
This isn’t just a glitch. It’s a serious issue that can:
- Damage your credit score (making future loans impossible)
- Cause mental harassment
- Even block approval of credit cards, home loans, or EMIs
If you’re thinking:
- Why is ZestMoney showing EMI even after full repayment?
- How do I get NOC or update loan status?
- ZestMoney not responding to my support requests!
Then this guide is your step by step rescue plan with tips, email templates, and how to file a powerful public complaint on Choice4Voice.com that forces them to take action.
⚠️ Common Complaints from ZestMoney Users After Full Loan Repayment
| Problem Faced | What It Means for You |
|---|---|
| EMI marked as “Pending” or “Overdue” | Hurts your credit score, appears as default in CIBIL |
| Loan still marked “Active” in app | System hasn’t closed your loan; impacts your loan limit |
| Recovery agents calling again | Harassment despite having paid everything |
| No NOC or loan closure certificate | Trouble proving repayment to other lenders |
| Incorrect reporting to credit bureau | May delay future loans or get rejected altogether |
These errors aren’t minor bugs. They can financially cripple you and most users get help only after going public.
✅ Step-by-Step Guide: Fix EMI Still Showing in ZestMoney After Loan Closure
🔍 Step 1: Double Check the Loan Closure Proof
Before raising the issue, confirm that:
- Your last EMI is paid
- The loan account statement shows “0 outstanding”
- You have email/SMS confirmation of loan closure
- Check your credit score via CIBIL/Experian is ZestMoney showing open there?
Take screenshots of:
- ZestMoney dashboard showing EMI/loan status
- Payment receipts and loan summary
- Any emails confirming loan closure
🛠️ Step 2: Email ZestMoney with All Evidence
📧 Official Email: help@zestmoney.in
Subject Line Tip (very effective):
URGENT: EMI Showing After Loan Closure – Credit Score Being Affected
Email Template:
Dear ZestMoney Team,
I fully repaid my loan (Loan ID: [xxxxxx]) on [Date]. Despite this, your system still shows an active EMI or loan. This is directly impacting my credit score and creating financial stress.
Kindly update the records immediately and issue an NOC. I am attaching the following:
- Payment proof
- Screenshot of EMI still showing
- Loan closure email (if any)
If the issue is not resolved within 3 days, I will be forced to escalate this on public consumer platforms.
Regards,
[Your Full Name]
[Registered Mobile Number]
📌 Attach all documents. Keep the tone professional but firm.
🚨 Ignored by ZestMoney? File a Public Complaint on Choice4Voice.com
When ZestMoney doesn’t fix their error go public.
Choice4Voice.com is India’s most impactful consumer complaint platform where:
- Your issue is published on Google
- Shared publicly on LinkedIn, tagging ZestMoney
- Creates brand pressure that forces fast resolution
- Seen by thousands, including media and PR teams
✅ 100% Free
✅ Complaint published in 24–48 hours
✅ Extremely effective for fintech & loan issues
📝 How to File a ZestMoney Complaint on Choice4Voice.com
- Visit 👉 www.Choice4Voice.com
- Click on “Submit Complaint”
- Fill the short form with:
- Your name, phone, and email
- ZestMoney Loan ID
- Date of repayment
- Screenshot(s) showing error
- Short summary of the issue
Once verified:
- Your complaint is published on Choice4Voice.com
- Shared publicly on LinkedIn, tagging ZestMoney
- This often triggers a response within 1–3 days
📊 Real User Cases Resolved After Using Choice4Voice.com
| Name | Problem Faced | Outcome After Public Complaint |
|---|---|---|
| Pooja (Bangalore) | EMI shown active post closure (4 months delay) | NOC received in 2 days after complaint |
| Raj (Hyderabad) | Credit score dropped due to error | ZestMoney corrected credit report |
| Sneha (Delhi) | Harassed by recovery agents post repayment | Public complaint stopped the calls |
🧠 Tips to Protect Your Credit Health After Loan Closure
| Action | Why It Matters |
|---|---|
| Check CIBIL/Experian monthly | Spot errors before they harm your profile |
| Always ask for NOC from any lender | Serves as legal proof that loan is closed |
| Store all EMI receipts & payment slips | Helps you respond to false recovery attempts |
| Use Choice4Voice.com when ignored | Public pressure gets faster results |
❓ Frequently Asked Questions – ZestMoney EMI Issue
Q: My EMI is still showing even after paying the full loan. Will it impact my CIBIL score?
👉 Yes. An active loan or missed EMI showing on your profile can lower your credit score by up to 50–80 points.
Q: What if ZestMoney is not replying to emails or tickets?
👉 Use Choice4Voice.com to make the complaint public. This is proven to get quicker action.
Q: Can I file a legal complaint?
👉 Yes. You can also approach the Consumer Forum, but it takes longer. Start by filing a complaint on Choice4Voice.com.
Q: Will they remove the EMI status after I post publicly?
👉 In most cases — yes. ZestMoney acts fast once their name is published and tagged.
Q: Do I need to pay to submit a complaint on Choice4Voice.com?
👉 No. It’s 100% free for genuine consumer issues.
✅ Final Takeaway – Don’t Let ZestMoney’s Error Hurt Your Future
If you’ve paid your dues, you deserve closure.
You should not have to:
- Chase customer support
- Suffer credit score damage
- Tolerate silence from fintech brands
Instead, take control.
📌 Your Action Plan:
- Collect proof of payment
- Email ZestMoney support
- Visit 👉 www.Choice4Voice.com
- Submit your public complaint
- Watch how fast they respond under pressure
💪 Choice4Voice.com is not just a website — it’s a movement.
📢 When companies ignore you, we help you make noise. Loudly.
