Book on deficiency service of bank

visuiyer (Querist) 22 September 2025 This query is : Resolved
I have persisitant deficiency in service by Axis Bank and nothing resolved despite filing the case against Axis Bank at Ombudsman. The Axis Bank not replying to ombudsman, resulting delay in judgement. As per the usual saying delayed judgement is denied judgement.

Considering all this,
I am planning to compile all the experience with axis bank and publish a E Book viz. "Banking beyond Transaction" documenting all evidences, screenshots of mails etc. and make it a permanent record and making this e book available for free at amazon kindle, and e-libraries.

Now the question is, the entire books is sharing the personal experice with the axis bank and highlighting the deficiencies, without defaming the bank or using abusing words; but recording all the experience of 7 different complaints in the last 8 months and all are pending before the Hon'ble ombudsman under consideration for adjudication.

Will it be okay to publish a e-book; is there any legal issue in publishing and releasing the book; since the entire books is pointing on axis bank; but all are my experience and documented with mail screenshot and their replies.

the book is compiled runs over to 100 pages with documentary evidence on
1) disabling on line rights for 29 days
2) delay in despatch of replacement card and sent to incorrect address despite having kyc dox available with the bank
3) producing false proof before the hon'ble ombudsman
4) Fabrication of statement
5) Customer intimidation
6) Impersonating RBI, challenging India's Regulatory authority
7) claiming 49th EMI for 48 months loan
8) explicity accepted that the bank has no loan dox to justify the 49th EMI
9) deficient loan closure certificate with account number not belongs to me
10) leakage of credit card information to the local branch
11) tampering of the orginal loan closure certificate (hiding the branch address
12) digital harassment by sending some other customer mail to my mail id and
13) annonymous callers inquiring about the pending complaint
14) when raised the erronoous mail step sided core issue and giving irrelevant reply.

Veterans please guide me on releasing the e book viz. "Banking beyond transaction" to document all this as a guide and awarness to the other customer of the bank

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Quick Summary

A customer is considering publishing an e-book titled "Banking Beyond Transactions" to document their persistent service deficiencies with Axis Bank. Despite filing complaints with the Ombudsman, the bank's lack of response has led to delays. The author intends to compile evidence of issues like online rights disabling, incorrect address dispatch, and alleged fabrication of statements, aiming to create a permanent record and raise awareness. They are seeking guidance on the legal permissibility of publishing such a book without defamation, focusing on factual documentation and an educational approach.

T. Kalaiselvan, Advocate (Expert) 23 September 2025
You may better consult an advocate in the local having expertise on the subject and proceed as suggested

visuiyer (Querist) 23 September 2025
Can I compile the book and document it permanently..
Will this legally permitted, because the bank shouldn't claim since we are pointing only to axis bank.

For the issue I go with ombudsman, appeal ombudsman and if necessary will go to court as per legal guidence, and will be forgotten once the final verdict is served.

But once I document the deficiency in the form of e book made available to amazon Kindle and e libraries, it remains a permanent record

kavksatyanarayana Online

(Expert) 23 September 2025
On what grounds of deficiency by Axis bank did you file the complaint?

visuiyer (Querist) 23 September 2025
each incidence happened over a period of 8 months; and I raising the voice since Dec. 2024. Now 7 complaints lodged before the RBI Ombudsman for various issues, said above, and now only the 1st case is been heared and under consideration for adjudication. The delay is only because the Axis is not responding to Hon'ble Ombudsman.

So, by the time I thought of releasing the book documenting the deficiencies to make a permanent record in the digital platform.

And now, I seek the advise, is it legally permissiable to release a book, titled as "BANKING BEYOND TRANSACTION", let the case hearing come whenever my luck favours, and whatever be the verdict, I am thinking to record in the book available at digital plat form instead of making an article in social media like reddit or in blogs.

Please guide me.

visuiyer (Querist) 23 September 2025
kavksatyanarayana ji,

I am framing the Charge in the following sections.

Under Consumer Protection Act,
Section 2(11) for Deficiency in service
Section 2(47) for Unfair trade practice

under Indian Contract Act,
Section 18, Misrepresentation of fact

Under Bharatia Nyaya Sanhita,
Section 228 and 318 relate to false evidence and fabrication
Sections 335, to 337 and Section 340 tampering of documents, electronic record falsification
Section 319 Personation Axis Bank impersonating Indian Regulatory Authority, RBI
Section 210 failure to produce loan document to check the veracity of the statement for 49th EMI
Section 78 for digital harassment and

under Information Technology Act
Sec 66A / 72A privacy breach, wrongful disclosure

T. Kalaiselvan, Advocate (Expert) 24 September 2025
The right to freedom of speech and expression is a fundamental human right that allows individuals to express their opinions, beliefs, and ideas freely through various means, including words, writing, pictures, and online platforms. This right is recognized in the Indian Constitution under Article 19(1)(a) and international agreements like the Universal Declaration of Human Rights. However, it is not absolute and can be subjected to reasonable restrictions, such as those necessary to maintain public order, prevent defamation, or protect national security. However do not have a direct "right to publish a book" against a bank for deficiency of service, but you do have the right to file a complaint through established redressal mechanisms, such as the Reserve Bank of India's Integrated Ombudsman Scheme or consumer forums, to seek resolution and compensation. These bodies are designed to address and resolve consumer disputes regarding deficiencies in service.

visuiyer (Querist) 24 September 2025
Thank you ji, for the update and guidance. 🙏

I understand the concerns raised, and to ensure the matter is recorded in the right spirit, I am approaching the writing style more as an educational tool and awareness resource. My intention is to highlight how customers can handle service deficiencies, while also offering suggestive ideas for financial institutions on addressing complaints that are often filed with deep emotional and sensitive concerns at the Nodal Office level.

Rather than directly pointing to Axis Bank, I will use examples here and there for illustration. From published sources, I noted that Axis Bank has consistently appeared in the top 5 institutions for consumer complaints over the last five years, which further motivated me to write this book—especially in light of my own experience with an impersonation case. If such incidents go unchecked, they set a wrong precedent for the financial sector and even raise questions about the integrity of regulatory oversight.

I truly value your advice. Accordingly, I will revise my style of presentation, keeping personal feelings aside and focusing on facts. My book, “Banking Beyond Transactions”, is not meant to single out any one bank, but to serve as an educational guide. With ebooks authored earlier on various other topics, I intend to bring a balanced perspective on how to draft complaints, manage both factual and emotional aspects, approach the Ombudsman, and understand how banks typically respond—including instances of delayed or sidestepped replies and template replies.

Once again, thank you ji for your support and guidance.

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