IDFC First Bank Limited

Mods please delete if not allowed.
So i found out an big issue with Pay later (IDFC is lending partner). tons of complaints of people paying dues on time still getting late fees. Multiple people took no loans but cibil shows loans issued buy IDFC and no resolution from bank. Another issue where peoples accounts got locked out of flipkart, then iphone order was placed (Pay later) and got delivered. the guy now fighting for it.
This is a big red flag for me . Can anyone help me understand why is IDFC First so deep into Pay later? This is just creating a bad name amongst a lot of people.
DISC – Invested with 10% allocation might trim after above observation.