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UAI has been used to organize all the details and facts and give a writeup.
**TL;DR: I** spent ₹12.2k out of pocket to earn Flipkart SuperCoins based on a specific, active 99% SuperCoin usage recharge offer I’ve used before. When I tried to redeem them, Flipkart UPI selectively blocked the transaction with a fake “risk check” error, while allowing normal shopping transactions to go through. They have now globally withdrawn the recharge offer, and my ₹12k worth of coins will expire in 30 days. I have video proof of the selective block.
**The Background:**
I had an active, account-specific offer allowing “99% SuperCoin usage on recharges and FASTag etc” using Flipkart UPI. My order history proves I have successfully used this exact offer multiple times in the past.
Relying on this active offer, I placed orders spending ₹12,279.7 out of pocket specifically to accumulate 12,663 SuperCoins, which I would never have spent had it not been for the offer (which expire in 30 days).
**The Issue & The “Risk Check” Block**:
Once the coins were credited, I attempted to use them on the 99% recharge portal. Every single attempt was instantly blocked with the error: “Transaction declined due to risk checks. Contact customer support or try other payment options.”
**The Video Evidence:**
I suspected a targeted backend block, so I took a screen recording.
In the video, I attempt to buy a regular item (shoes) using Flipkart UPI. It works flawlessly and takes me to the PIN entry screen.
Seconds later, in the same video, I attempt a recharge to utilize my SuperCoins. The system instantly throws the “risk check” error.
This definitively proves the block was a targeted, artificial barrier placed only on the promotional offer. The video evidence properly contains the date, day, time and my account details.
**The Rug Pull:**
While I was fighting with customer support to remove the “risk check” block, Flipkart completely withdrew the 99% SuperCoin recharge offer globally.
**Steps I Have Taken:**
I filed a formal complaint on the National Consumer Helpline (NCH) / INGRAM portal. But it has never helped me so far in any previous cases.
I emailed the Flipkart Grievance Officer demanding that my 12,663 SuperCoins be converted to unrestricted Flipkart Gift Vouchers of equivalent value, since they actively prevented me from using the recharge offer while it was live. I provided them with the split screen-recordings as proof.
**MY QUESTIONS:**
**Strength of the Case:** Does my video evidence of the selective “risk check” block overcome Flipkart’s standard T&C defense of “we can withdraw promotional offers at any time”?
**Consumer Protection Act:** Is this a solid case for “Deficiency in Service” and “Unfair Trade Practice” (Bait and Switch) under the CPA, 2019, since they induced the spending and then blocked the gateway?
**RBI Guidelines:** Since Flipkart T&Cs state SuperCoins hold “no monetary value,” does this completely shield them from RBI PPI guidelines, or can this artificial blocking of prepaid value still be challenged financially?
**What should by next steps be?** It’s been 100+ hours since I bought the issue to their customer care. 80+ Hours since I emailed their grievance officer. 52+ Hours since the Grievance Teams one and only communication with me asking me to send the video under 2mb. Since them I’ve sent them 2 additional emails reminding them but haven’t received any reply yet. The Supercoins expire in 30 days.
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