To describe it in one word, PAINFUL. I've been calling Customer Care every single day for an update and all I get is "please wait for 24 to 48 hours for a response". Please keep in mind it's been a week now. I changed my handset and Paytm decided to lock me out of my Savings Account. To top it all when I tried to sign in, it automatically created a new account and now I'm unable to access my savings account.