Banking services deficiency
visuiyer
(Querist) 30 May 2025
This query is : Resolved
I was a ELITE customer of Citi Bank Credit Card for last 21 years - with financial discipline of discharging card liabilities 100% on time every time; and in last year the retail banking of citi bank was migrated to Axis bank, and have been serviced by Axis bank, upon transition, the axis bank replaced the citi card with axis branded card.
During the transhipment, the bank disabled the online transaction and the bank claiming that it is for security reasons. All this were okay. but
The replacement card was delivered to me after one month, and the bankers reply was the card was despatched with incomplete address (the bank already having my KYC documents); and during the period of transhipment of one month my online transaction rights were disabled
On raising the issue,
1. the bank initially sending system enabled reply with no action.
2.Upon raising the voice with repated mail the bank supplied SINCERE APPOLOGIES
3. I raised the issue saying that apologies cannot be the solution for the real action; on social media tagging the Axis Bank
4. Due to this received annonymous call, claiming that they are from axis bank, and asking me to refrain from posting the axis bank service in social media - This amounts to customer intimidation and brought the same to the notice to the bank in polite language to initiate action but bank never responded to this mail.
- Summarising all this, I raised a complaint in Consumer forum for redressal of grievance with a Prayer clause:
1) demanding Re.1 (Indian Rupee one only) as compensation for accountability by demand draft to be shipped to my address as per KYC documents avaiilable with the bank;
2) Issue a sorry letter (not mail) without giving false justification
3) Give assurance that such deficiency will not happen in future.
5. In reply the axis bank sent a mail, to Consumer forum and also to me saying that
"you were contacted regarding this matter and have confirmed your satisfaction with the resolution and service provided" - This is fabrication of statement and misrepresentation of facts.
But I have not given any confirmation of satisfaction orally or by writing in mail, but raising the issue in social media and demanding Re.1 compensation, emphasising the CUSTOMER deserve RESPECT.
Now, I request the veteran to guide me to file a case for the
1) Deficiency of Service
2) Customer intimidation - violation of rights in raising voice against axis bank service
3) For fabrication of statement - amounts to breach of trust and
4) mis representation of facts before the consumer forum a statutory legal body.
Should I file a Civil Case in the High Court or to file a writ for the violation of constitutional rights - customer intimidation.
This is not for the amount of demand of Re.1/- but Customer Deserve Respect; moreover the axis bank redressal mechanism is very poor as per the social media (star rating)
Please guide and advise. (I have got all proof of documents mails, caller phonenumber and screenshot, date of despatch and date of delivery from courier tracking screenshot, the bank mail, agreeing that it is a late delivery and disabled the online transaction rights, complaint lodged with consumer forum and their reply with fabrciated statement)
kavksatyanarayana
(Expert) 30 May 2025
You shall complain to posh@axixbank.com in a format.
T. Kalaiselvan, Advocate
(Expert) 31 May 2025
You have already approached consumer commission with your complaint, yo9u can ad more such grievances in the existing complaint by filing an amendment petition to add th left out grievances.
Dr. J C Vashista
(Expert) 01 June 2025
Neither of your prayer is maintainable in the given facts.
Seek opinion and advise of the lawyer engaged by you, who is better informed about facts and circumstances of the case and an able and intelligent enough (besides duty bound) to satisfy your questions, if any.
visuiyer
(Querist) 01 June 2025
Since the bank fabaricated the statement and misrepresented the fact, I need to escalate this issue - to maintain my self esteem. and raise consumer rights. since this fabrication of statement and mis representation not inthe purview of consumer protection act (i think it will be in BNS) I need advise and guidence.
T. Kalaiselvan, Advocate
(Expert) 02 June 2025
You are suggested to approach an expert advocate in the local, discuss your subject matter at length with the chosen advocate and proceed if you are confident that the steps suggested may fetch you the desired result.
Dr. J C Vashista
(Expert) 02 June 2025
As rightly advised by learned senior expert Mr. T Kalaiselvan, it is appropriate and better to seek professional services of a local prudent lawyer for analyses of facts, proper guidance and necessary proceeding, if it is your personal and real problem.
visuiyer
(Querist) 04 June 2025
I have received annonymous call yesterday, where the caller claimed that he are calling from RBI ombudsman, inquiring about the complaint raised on axis bank, I am sure that RBI will not call the complainant and again I suspect it is a customer intimidation or sabotage of the case.
To be at caution, I have stopped using the card and temporarily blocked and taken screenshot from the mobile confirming that card was blocked on today; the card as a proof; so that money will not be lost atleast.
It is time to rate the Axis Bank, where the grievance redressal is poor.
I am a senior citizen, I need the support and grievance. Legal veterans please help
kavksatyanarayana
(Expert) 04 June 2025
Yes. RBI never call. Send a legal notice to the bank authorities. Then file a case in the Consumer Commission.
T. Kalaiselvan, Advocate
(Expert) 05 June 2025
The Reserve Bank of India (RBI) does not call customers to redress their grievances.
Calls claiming to be from RBI are likely fraudulent and should be treated with caution.
RBI has explicitly stated that they do not make unsolicited calls or emails to individuals, especially to request personal information or money.
Fraudsters often impersonate RBI officials to gain trust and steal sensitive information, such as bank account details, credit card numbers, or OTPs.
Do not provide any personal or financial details over the phone.Â
Disconnect the call and do not respond to any further messages from the same number.Â
Report any suspected fraudulent activity to the cybercrime branch of the police.Â
You can make online complaints also.
Dr. J C Vashista
(Expert) 07 June 2025
Prima facie it is another time pass post as the author has posted such queries earlier, as may be observed from his profile.
visuiyer
(Querist) 07 June 2025
No ji, it is not time passing.. I have got all dox and screenshots.. and rasing voice for last 5 months from 16th Dec. 2024. Bank is not responding or ignoring, But to make accountability, I am going to post all this in multiple social media tagging the bank to raise the voice, along with it, posting a document proof, mails etc. This will also be featured in podcast to recieve wide reach across the world. where all the mails are responded with system generated message, call centre executive disconnect the calls after some time, I have no alternate to draw the attention of the bank,
Please understand, this is not time passs; I am a senior citizen, may be because of it the reply may be lengthy. please need your support and guide.
