Respected Sir/Madam,

We, at Yes Bank Ltd., submit this official complaint against Mr. Arthav Chandrakant Suryavanshi, who has committed loan fraud and defaulted on repayment obligations, violating digital lending policies and terms of service.

Accused Details:

  • Full Name: Arthav Chandrakant Suryavanshi

  • Date of Birth: 29/03/2005

  • Gender: Male

  • Aadhaar No.: 2934 3040 4355

  • PAN No.: SUMPS2083H

  • Permanent Address:
    S/O Chandrakant Suryavanshi,
    Near Junishaia, Allandewadi Post,
    Trimali Taluka, Khatav,
    Landewaddi, Satara District,
    Maharashtra – 415510

Incident Description:

The individual availed a digital loan of ₹500 through our platform. As per the agreement, including compound interest and penalties, the outstanding repayment amount is ₹1000. Despite several reminders via SMS, email, and calls, the borrower has neither responded nor made any attempt to repay.

We believe the borrower has intentionally defaulted, with possible intent to exploit digital lending frameworks. There are concerns that this could be a deliberate pattern of misuse, which requires legal attention to prevent further fraud.

Requested Actions:

We kindly request the Cyber Crime Cell to:

  1. File an FIR under sections pertaining to cybercrime, digital loan fraud, and criminal breach of trust.

  2. Update police verification records with this fraud history to prevent the individual from securing government or private employment through misleading documentation.

  3. Blacklist the accused’s Aadhaar and PAN for loan eligibility across RBI-registered banks and NBFCs.

  4. Ensure this record is flagged in the CIBIL/reporting database.

  5. Upon reaching a default value of ₹10,000, request the initiation of criminal proceedings, family inquiry, and arrest, if evasion continues or increases.

  6. Notify concerned financial authorities to prevent this individual from creating additional digital loan accounts under fake or misleading credentials.

Attachments (available on request):

  • KYC Documents (Aadhaar, PAN)

  • Loan Agreement

  • Transaction Proof

  • Reminder Notices

  • Communication Logs

 

This fraudulent activity must be stopped to maintain trust in digital finance. We request your prompt attention and legal action.