Case on impersonation.

visuiyer (Querist) 02 December 2025 This query is : Resolved
I was in question with a query on Axis bank impersonation - accordingly as advised, I have filed a complaint with RBI Ombudsman, here again the twist, which I need a guidence from the veterans please.
1) Axis Bank employee misrepresentated the identity of RBI, by impersonating
2) Axis Bank accepted and said staff counselling being given.
3) The formal complaint was filed with RBI
4) Regulated entity (RE) replied to my complaint to rbi bo
5) I have given the response to RE reply placing before the forum.
Now the twist starts here.
6) before issuance of RBI order the axis, now misrepresented the authority of RBI, saying that based on the RBI BO instruction, we offer Rs.500 compensation (in a mail on 26.11.25)
7) I replied immediately, denying the compensation the mail is misleading when RBI BO is not ordered. and subsequently filed a seperate complaint for Axis mis represented the authority of RBI
8) but after 3 days (on 29.11.25) RBI BO issued order for a compensation of Rs.500 and closed the issue under 14(9)

Now, the question is
i)how then axis knows the a compensation award, prematuredly 3 days in advance.
ii) when the compensation is denyed the complaint remains unresolved and not closed.
iii) how RBI BO can apologies axis when axis misrepresented the identity of RBI
iv) when a credit card customer belated payment for tech glitch or for any reasons the bank does not accept the apology, moreover apology has no value, when it is not a public apology in national daily or in official social media handle

Therefore, I need to escalate the complaint.
veterans please guide
a) should I go for filing an appeal with RBI BO; or
b) should I file a writ petition under article 226; or
c) should I file a comlaint start fresh with Cyber crime - 66D of IT Act.

Can I quote this Delhi Higher recent order (https://tinyurl.com/27ddhkkp) for RBI BO overlooked the complainant response or leaked the information on the order

Now who is Accountable -
a) Axis Bank for misrepresenting the Identity and Authority of RBI; or
b) RBI BO for overlooking the VERY SERIOUS issue and accepted the apology, and oral statement of staff counselling by axis bank.

please guide, this senior citizen!! and help the economy for a healthy banking foundation !!
Thank you!!

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Quick Summary

This discussion details a complex case involving alleged impersonation by an Axis Bank employee and misrepresentation of RBI authority. The complainant filed a complaint with the RBI Ombudsman, but faced further issues when Axis Bank offered compensation before an official order, and the Ombudsman subsequently closed the case. The user is seeking advice on escalating the matter, considering an appeal to the RBI, a writ petition, or a cybercrime complaint, and questioning accountability.

T. Kalaiselvan, Advocate (Expert) 02 December 2025
You can ignore the RBI route instead you can lodge a criminal complaint with the police against the Axis bank manager for the criminal offences of impersonation and other related offences.
For rendering any opinion about the RBI's acts, a proper perusal of all the relevant papers is necessary, which will be possible only by a local lawyer, hence, you may better consult an experienced lawyer in the local and proceed as suggested

Sudhir Kumar, Advocate (Expert) 03 December 2025
Both RBI complaint and Police complaint are two avenues and can be availed simultaneously.

Dr. J C Vashista (Expert) 05 December 2025
There are so many twists, ifs and buts in the facts posted.
It is better to seek professional advise of a local prudent lawyer.

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