Axis Bank Ltd. Customer Service Issues

Hello, I am Sultana Razia, an account holder with number [redacted][redacted]. I recently applied for a checkbook, but due to the negligence of a Blue Dart delivery person, it has not been delivered yet. The Blue Dart customer service claims the address was changed, which is not accurate as no one from Blue Dart visited our house. I have informed Blue Dart of the issue, and they assured me the checkbook will be delivered between 3 to 6 pm on Monday. I requested to personally collect it, but they declined and advised me to contact the bank. I need urgent advice on what to do next.

Dear Sir/Madam, I would like to address the issues mentioned in Notice No. [redacted] concerning my loan with number PPR[redacted]06. I initially borrowed approximately ₹1,99,[redacted] and have since paid 23 EMIs totaling ₹1,21,[redacted]. Due to recent financial hardships and family medical concerns, I am struggling to settle the remaining outstanding amount, which stands at ₹77,[redacted]. I am proposing a 20% settlement which I aim to pay off within the next 5-6 months to address this situation. I kindly request a consideration of this offer. Furthermore, I urge you to cease the collection calls and workplace harassment, as this could jeopardize my employment and hinder my ability to meet any settlement arrangement. I appreciate your prompt attention to this matter. Thank you. Sincerely, Pandav S. Mobile: [redacted]

Dear Sir, I previously worked at CI Infotech Pvt Ltd., where a salary account was opened for me at the nearest Axis Bank branch in Green Park main, Delhi. I left this job in December [redacted] due to a family emergency and relocated to my hometown, Begusarai, Bihar, without prior notice. Since then, I have been residing in my hometown, preparing for entrance exams and government exams. However, I recently discovered that my Indane gas subsidies were still being credited to this account, which consistently showed a balance of Rs.0.0 whenever I checked my mobile messages. Upon visiting the bank today, I was informed that my account has a negative balance of -[redacted] due to not maintaining the minimum balance requirement. I have never used the ATM or cheque book associated with this account. I kindly request your assistance in closing my account without any additional charges, as I am currently facing financial difficulties. Your help would be greatly appreciated. Sincerely, [Initials]

I have been an Axis Bank customer since [redacted]. I had a loan that I successfully paid off and a credit card that I used responsibly until October [redacted]. Due to a hospital admission for delivery and maternity leave, I missed three months of credit card payments. I made a partial payment on February 2, [redacted], only to find out that my card was permanently blocked without my permission by the bank. In June [redacted], I took a loan based on my credit card for four years, but the bank is now insisting I pay off the entire loan amount at once. This is causing me financial difficulty, especially with a young child to care for. I am seeking assistance in resolving this matter.

I applied for a new Joint NRO account on 21.01.[redacted]. Nirali Mehta helped prepare all necessary forms which were signed by myself (Yagnesh B. Sheth), my wife (Neela Y. Sheth), and my mother (Pushpa B. Sheth). We initially provided a cheque for INR 15,[redacted] for Account Opening and later gave a cheque for INR 2,00,[redacted] to Nirali Mehta for deposit into the account to operate it as a Premium Account. Despite both cheques clearing with our Beneficiary Bank (SBI) on 23.01.[redacted] (INR 15,[redacted]) and 28.01.[redacted] (INR [redacted],[redacted]), we have not received the account number for the new account. I kindly request the Account Number, all relevant details associated with the account, and a scanned copy of the Account Opening Form for our records. Your prompt assistance is greatly appreciated. Thank you. Sincerely, Yagnesh B. Sheth.

To the Manager, Credit Card Department, Axis Bank Pvt. Ltd. Respected Sir, I, Sayed Ali Sarkar, son of Late Asraf Ali Sarkar, a resident of Sudarsan Village, Ramnathpur Post Office, Polba Police Station, Hooghly District, WB, am bringing a concern to your attention. I hold a credit card with your bank for personal use. Due to my business failing, I am unable to pay the remaining EMIs for products purchased from a merchant site. I request a few months of grace to settle the outstanding amount without penalties as fulfilling payments is a challenge at the moment. Your understanding and assistance in this matter would be greatly appreciated. Yours faithfully, Sayed Ali Sarkar

I recently deposited a cheque for Rs.[redacted],[redacted] on 18/03/[redacted] at Nagarik Samabay Bank A.T. Road Branch. Although this branch is not a clearinghouse member, they utilize Axis Bank Athgaon Branch for cheque clearances. I have not received any information from Axis Bank about the status of my cheque. I am concerned that Axis Bank may have processed my payment without informing Nagarik Samabay Bank. This kind of behavior is unacceptable, especially during these challenging times when people may urgently need their funds for personal and family reasons. Actions like these tarnish the reputation of private banks, which are already losing their appeal.

I purchased Bluetooth headphones for Rs. [redacted] on Amazon with my credit card on March 19, [redacted]. I subsequently canceled the order and was informed by Amazon that the refund of this amount would be processed by March 28, [redacted]. As of now, I have not received the refund, despite contacting Amazon customer service who assured me that the refund was already processed on March 28, [redacted], at 6:30 PM. Additionally, I noticed that Axis Bank has debited a minimum due amount of Rs. [redacted] from my account. I am confused as to why this amount was debited when Amazon has already refunded the same amount. Could you please clarify when I will receive the refund of Rs. [redacted] and the reason for the debited amount of Rs. [redacted] from my account?

I previously had a salary account with Axis Bank, which was converted to a savings account when I left my job a few months ago. The customer care team is requesting that I visit my home branch to resolve the issue. However, I have relocated to Delhi and cannot visit the branch. They are not willing to close my account until the non-maintenance charges of [redacted] are settled, which I am unable to pay due to financial difficulties. I kindly request a waiver of the accrued non-maintenance charges so that I can close the account or convert it to a zero balance account. I hope this will not impact my CIBIL Score, but having a dormant account is inconvenient for me. It seems that only the home branch can assist me in this matter. I would appreciate it if they could reach out to me to discuss and resolve this issue.

I am writing as Rohidas G., a salary account holder at Axis Bank with the account number [redacted]. I recently purchased credit card number [redacted] and have been depositing cash into my credit card account for interest and charges. However, for the past two months, my entire salary amount has been automatically debited from my account. During this challenging time of lockdown, my family and I are facing economic difficulties. I kindly request for the auto debit link to be closed from my savings account. I am willing to pay the credit card amount as before, at the bank, with minimal interest and charges. Please refrain from deducting any amount from my savings account. Your understanding and assistance in this matter is greatly appreciated.

I am a cardholder with your bank and recently received a credit card bill dated July 11, [redacted], in the amount of [redacted].74. I have identified an erroneous charge and dispute its accuracy as I have refrained from making purchases in the last four months. I disabled the auto-debit feature on my account ending in [redacted] due to the ongoing pandemic, impacting my ability to pay immediately. I kindly request for any fees and charges to be waived and the balance converted into EMI payments. I urge for a revised bill to be issued promptly prior to settling the disputed amount. Having been your customer for the past two years, I have always appreciated the excellent service provided. I seek a resolution to this matter expediently. Thank you for your prompt attention. Regards, OM Mobile: [redacted].

Dear Sir, I have a savings account in your Surat branch under the name Vinod Omprakash Upadhyay with account number [redacted]. I have been using this account for a long time. I also have a home loan with ICICI Bank, and the EMI is deducted from this account on the 10th of every month. During the recent lockdown, I applied for moratorium for April [redacted], May [redacted], July [redacted], and August [redacted], which was accepted by ICICI Bank. However, they did not accept the moratorium for June [redacted]. Due to salary issues, some ECS debits were returned. I am concerned about the charges for 13 ECS returns that were applied to my account, which I believe is incorrect. I have checked everything and can provide the ICICI Bank loan account statement if needed. I urge you to investigate this matter and refund the wrongly deducted money. Thank you, Vinod Upadhyay Account: [redacted] Mobile: [redacted] Email: [redacted]

Hello, I am experiencing an issue with a UPI PAYMENT transaction. On 06-09-[redacted], I made a payment of 500rs via PHONEPE, and although the amount was deducted from my account, it has not been credited to the receiver's account. After speaking with PHONEPE customer support, they advised me to contact my bank. Despite 5 days passing since the transaction, the amount has not been credited. I have been trying to reach your customer support via phone calls without success. I am frustrated with this situation. I have attempted to contact your customer support at 1[redacted] numerous times, but have been unable to connect with an agent. This process has been ineffective and a waste of my time. Could you please arrange for a call back regarding this issue as soon as possible? Contact number: +[redacted]56

Dear Sir, I am writing to express my concerns about the recent notification I received informing me of a 10% increase in interest rates effective from 09.10.[redacted] for my home loan account, PHR[redacted]13. I took out this loan in February [redacted] and have consistently made my EMIs of Rs.18,[redacted] on time since then. I have also been asked by the bank to provide property registration documents. Given the current global pandemic of COVID-19, where life and livelihoods are uncertain, it is challenging to consider property construction. While I understand the RBI regulations that we must follow, it is essential to remember the human element in all decisions made. Raising interest rates during such difficult times seems unjust, especially when essential amenities like sewage, water, and electricity are lacking at the allocation site. I urge the authorities to reconsider this increase and provide necessary assistance. Thank you, VIJAY B C

To Whom It May Concern at Axis Bank, Subject: Excessive Bounce Charges on my Loan Account I am writing to address the considerable bounce charges imposed on my loan account with Axis Bank. Since [redacted], I have been faithfully repaying my loan through various methods as requested, including ECS payments and chalan remittances at your Karaikal branch. Despite my consistent efforts to meet my financial obligations, the bounce charges applied by your Puducherry branch remain unreasonably high. Having already paid more than the loan amount along with hefty interest rates, I find it unfair to be burdened with such steep bounce charges amounting to Rs. 25,[redacted]. It is disappointing that while other banks show leniency towards their customers in similar situations, Axis Bank seems reluctant to reconsider its stance. I urge the bank to review my case and revise the bounce charges accordingly to reflect a fair and equitable resolution. As a loyal customer, I expect more transparency and flexibility in handling such matters to uphold the trust I have placed in Axis Bank. Sincerely, M. Noorul Hassan Loan No. PPR[redacted]02

Hello, I recently opened a digital Axis Bank account, and unfortunately, my virtual debit card got blocked due to entering the wrong PIN on the 3D secure card processing page. I tried to unblock it using the SMS method provided by Axis Bank but was unsuccessful. I am seeking guidance on how to unblock my virtual debit card. Furthermore, when I logged into Axis Bank internet banking, I noticed that two debit cards were listed. The first one is my virtual debit card (blocked) and the second one is unknown. Surprisingly, both cards show as active on the internet banking page, but in the Axis Bank app, only one card is visible. How can I resolve this discrepancy? I attempted to contact Axis Bank via the provided phone number ([redacted]25), but unfortunately, I was unable to get through. I would appreciate any assistance in resolving these issues.

I am writing to inform you that I, Sampa Raychaudhuri, submitted a deceased claim for Late Rabindra Roy Choudhury (A/C [redacted][redacted], deceased on 30/04/[redacted]) three months ago. The submission was made with the required documents as advised by Personal Relationship Manager Mr. Biplab Deb Barman to Mr. Debabrata Das, representing Axis Bank, Malda. Despite my frequent inquiries on the claim's status, Mr. Debabrata Das has provided updates, mentioning delays due to COVID-19 lockdown, ongoing actions, the readiness of the cheque pending the branch manager's return, and the manager's subsequent return. I am concerned about the significant delay in processing the claim since I am the registered nominee and followed the bank's representative's instructions. I urge you to address this matter promptly and provide me with the necessary information at your earliest convenience. Thank you. Sampa Raychaudhuri SB A/C [redacted][redacted] and SB A/C [redacted][redacted] Mobile: [redacted] Dated: Malda, 9th December [redacted]

My name is Dishant from Khanna. My sister has been using an account with your bank for the last 8 to 9 years. The bank, based on the transactions, proposed a credit card, which she accepted. About 9 to 10 months ago, she went abroad before COVID-19. Due to the current lockdown in the country, some payments are now due. Unfortunately, the behavior of the bank employees, especially Amit and Dharminder, towards my sister has been rude, unlike before. They used abusive language during discussions about EMI over WhatsApp calls. Such behavior and direct threats are unacceptable. Despite facing financial challenges, we are willing to make the payments as soon as possible. We understand the situation, and we hope for a more respectful and helpful approach from your staff. Thank you for addressing this concern promptly.

My name is Dishant from Khanna. My sister has been using an account with your bank for the past 8 to 9 years, and the bank recently offered her a credit card which she accepted. She has been abroad for the past 9 to 10 months due to COVID-19. With the recent lockdown in the country, she has fallen behind on payments. Unfortunately, the behavior of bank employees, especially Amit and Dharminder, has been rude. They used abusive language during discussions about the EMI payments, even resorting to threats. I understand there are financial difficulties, but the way they spoke to my sister was unacceptable. I urge the bank to address these issues. Despite the current situation, we intend to make all payments promptly as soon as we can. Please consider the circumstances and the longstanding relationship we have had with the bank. Thank you for your understanding.

Dear Sir, I booked an online appointment for an Aadhaar update after waiting a long time to secure a slot at the Axis Bank branch in Barisha Raja Ram Mohan Roy Road, Kolkata. The appointment was scheduled for 29.01.21 at 10:30, but upon reaching the branch with my family and all necessary documents, they regretfully informed us that Aadhaar services had been closed due to technical issues for the past 8 to 10 days. Despite this, online slots are still being booked until 11th February. I am concerned about the inconvenience caused to those of us diligently seeking appointments for Aadhaar updates. I kindly request a review of this situation so that we may receive the essential services we require. Thank you for your attention to this matter. Best Regards, M. Sengupta