Bank action attempt to coercion?
visuiyer
(Querist) 06 December 2025
This query is : Resolved
Ji,
Here is another incident from Axis Bank Story..!!
I have filed a complaint before RBI Ombudsman, for a case that axis Bank employee misrepresented the identity of RBI(Nation's Regulatory Authority)- an act of impersonation and vicarious liability on the bank.
Subsequently,
The RBI Ombudsman awarded a compensation of Rs.500 on 29.11.25; but
The Axis bank communicated by mail, prematuredly on 26.11.25 (before issuing the order) saying that "as per RBI BO instruction."
I immediately denied the compensation within an hour of receiving this mail
but the bank has credited my credit card account with Rs.500 on 26.11.25 (it is not bilateral)
Now the querry is..
1) amount credited on 26.11.25 is unauthorised,
2) if it is a compensation for the impersonating RBI, the award of compensation is prematured before issue of order.
3) When the compensation offered was denied, crediting my card account is not only an unauthorised, but also there is no offer and acceptance, violation of constitutional rights.
So,
I need to file a complaint, veterans please guide me, where should I file the complaint.
- should I file writ for violation of constitutinal rights or
- RBI ombudsman for not obeying the RBI order (prematured action, unauthoriseid transanction and not obeying the order)
- consumer forum for deficiency in service.
Veterans, please guide me, I am a senior citizen!! and this axis bank is frying me like anything in the lastl 11 months (from December 2024 to now) with 19 different issues all are proved deficient in service and deficiency continues with every mail of their response/communication, despite me escalated to Mr.Amitab Choudhry, Chairman, and Managing Director of Axis Bank.(I received nothing (no action of improvement) but an acknowledgement )
Please guide me and help me.!!
kavksatyanarayana
(Expert) 06 December 2025
You shall file a case against that bank before the Consumer Redressal Commission.
T. Kalaiselvan, Advocate
(Expert) 07 December 2025
You were advised in your previous thread itself to consult an experienced advocate either from this website or outside, in person or over phone, discuss the subject matter at length and proceed as suggested.
Your grievances does not appears to have any merits except that your ego which prompts you to ask such queries.
visuiyer
(Querist) 07 December 2025
my intention is the amount of the award (irrespective of the amount should be sent to me by demand draft - not to encash but to laminate and display at my workstation. ) that is why the amount credited to my credit card account which is not a regular bank account and 65 pages of terms and condition of the credit card issued by the axis bank does not have any caluse or permit to credit the compensation if any despite me denied the compensation.
Thank u ji, for suggesting me to consult a legal expert fo the complete axis bank cases. I understand, that It is legal procedure where I may win or lose; but axis will not correct themselves, (unless we give them a chance) instead they pass the responsibility to the legal or other team. It will never be corrected at axis. Me today, 1000s and millions of people on the other day; resulting NO ACCOUNTABILITY; and for this as informed earlier I am composing a book titled - "BANKING BEYOND TRANSACTION" - an e book making it available at all digital library and also for FREE circulation. only to discuss the unprofessional services of Axis Bank.
Therefore, I am planning to raise this issue of Rs.500 credited to my credit card account, as unauthorised transaction, which was not alerted either by SMS or by email registered with the axis bank.
Thank u all for the suport and guide.!! will share the next Axis Story..!! (because in every mail response, there will be an issue - that is the profesional style of axis)
kavksatyanarayana
(Expert) 08 December 2025
You have already shared it today and replied to it.
