Axis Bank Ltd. Customer Service Issues

I have been a loyal user of a privilege credit card for over 10 years and have always made timely payments. Recently, I encountered some issues with my card. Initially, my card was returned to me because I was not home to receive it from the courier and my payment option through the app was disabled. Consequently, I had to make payments through other methods. Despite dropping a check for payment, it was not debited from my account and I did not receive any information about it. Subsequently, I received a bill with a fine the following month. After speaking with customer care, I was advised to pay the principal amount to have the fine waived off, which I promptly did. However, the next month, an additional fine was added to the previous one, and this cycle has continued with fines accumulating on each bill. I am frustrated with this situation and have decided to stop using the card and refuse to pay any more fines until this matter is resolved. I urge you to review my payment history and address this ongoing issue promptly. Thank you.

To the Branch Manager, I have a savings account with the number [redacted] placed at your financial institution. Due to the lockdown situation caused by the pandemic, I have been facing difficulties keeping up with the minimum balance requirement. Currently, I am employed in a shop. Unfortunately, each time my salary is deposited into the account, the bank withholds the entire amount. The past six months have been particularly challenging due to the lockdown. I have recently secured a job, but I am struggling financially as even my salary is being held. Therefore, I kindly request the closure of my savings account and the return of the withheld amount, which totals Rs.9,[redacted] (Rupees Nine thousand two hundred and Eighty-five only). Thank you for your attention to this matter. Yours sincerely, M.MUTHUSELVAM

As an HDFC BANK Delhi customer, I withdrew Rs [redacted] from your Mandawali ATM at IP Extension [redacted]. While retrieving my card, someone managed to access the balance and my card got stuck in the machine. I realized they had swapped cards when I checked the balance with my mobile. Later, I found out that Rs [redacted] had been taken from my account at another ATM. I urge you to review the CCTV footage from 18/3/21 around 6 pm to identify the culprits. Please send the footage to the HDFC Bank Manager or Mandawali Police Station in IP Extension Delhi 92. I have been unable to reach any nearby branches by phone, but I know there is a branch in IP Extension 92. Kindly contact me at [redacted] for more information. Thank you.

My most recent bill payment was due on May 10. The credit card department transferred me to the new Thaa system, which did not reflect my main bill. Despite contacting customer care, I received no resolution. I then reached out to my Nazadi branch but still couldn't obtain any clarity. This lack of information made it impossible for me to settle the bill on time. Not understanding how others managed their payments and without guidance from the branch or customer care, I was left in a challenging situation. Additionally, the credit card department sent a message indicating the upgrade from May 9 to May 10, while the actual upgrade took place between May 8 and May 12. Given these circumstances, I believe the late fees on my credit card bill should be waived.

Dear Team, I previously attempted to address my concerns via email, but it seems that the email IDs provided were incorrect, resulting in my messages not reaching you. I kindly urge you to address my issues promptly with high priority. To prevent any additional charges, late fees, and GST, I would like to request an immediate block on my Flipkart Axis Bank Credit Card. Due to the current pandemic situation, I am unable to make the payment, hence the urgency in blocking the credit card with an outstanding amount of [redacted]/-. I sincerely ask that you take immediate action on blocking my Axis Bank Credit Card as soon as possible. I await your prompt and positive response. Thank you, Mohd. Usmaan Raza

I, Harjeet Singh, have been a long-term customer of your bank. Recently, I experienced an issue with the bank's service. I was offered a credit card, which I agreed to, but upon receiving it, I found the card to be defective and was unable to activate it. The bank acknowledged the issue and asked me to reapply for a new credit card, which I declined. Now, I'm being pressured to pay annual fees for a faulty card that never worked. Additionally, my CIBIL score has been negatively impacted without justification, hindering my ability to secure financing. As a government employee with an ongoing car loan from Axis Bank, this situation is alarming. I request the prompt resolution of this matter, as I do not wish to have a credit card and refuse to pay for a flawed product. Please rectify the error made by the bank and restore my CIBIL score to its original state. Your attention to this issue is greatly appreciated. Thank you.

Hello, I am a salaried customer seeking housing loan services. Axis Bank has not provided the services I expected for my home loan. I am looking to transfer my existing home loan from ICICI HFC LTD Davanagere to Axis Bank, along with a top-up loan to clear all my smaller liabilities. My home property has a market valuation of around 60 lakhs, and I have various sources of income, including LIC policies, PF account, and demat accounts. The home loan was initiated in September [redacted] and transferred to ICICI HFC LTD Davanagere in July [redacted]. I am hoping to consolidate my debts and merge them under one housing loan provided by Axis Bank for better management. I am looking for efficient and timely services to address my financial needs. Sincerely, K.H.

I have an education loan account for my daughter, Jahnabi H., on which I have been paying EMIs regularly. However, each time I make a one-time payment towards the principal, I am required to contact a call center to confirm the payment has been allocated to the principal and reduce the tenure. Moreover, the call incurs charges. I believe that any additional one-time payment should automatically be considered as going towards the principal to reduce the tenure without the need for manual intervention. Additionally, I am seeking a functional email address from Axis Bank to communicate regarding my education loan account. I anticipate a prompt response. Thank you, Swadhin H.

I recently noticed an unauthorized transaction from my Axis Bank savings account on 14/6/21. After lodging a complaint immediately via the customer care number, I received emails with the complaint ID. However, upon checking after 10 days, I was informed by a customer care executive that the complaint had been closed due to a system error. I had to raise the complaint again and was given a new complaint ID on 23/6/21. Since then, I have been diligently following up on the matter, as it involves a significant sum of [redacted]/-. Unfortunately, every time I contact customer care, I am told that the system is not functioning. After insisting, I am sometimes connected to a senior representative who explains that the concerned department has not provided an update yet, making it impossible to share the current status with me. Having been a customer for the past 6 years, I find it disheartening to receive such poor service, especially when marketing calls are frequent for credit cards, loans, or new accounts. Despite these solicitations, getting help when faced with an issue seems challenging. This unauthorized transaction has caused financial strain, and I urgently request a thorough investigation and resolution on a priority basis. Your prompt attention to this matter is greatly appreciated.

My wife's credit card expired in [redacted], and before it expired, she paid all dues to the bank. However, we keep receiving SMS notifications stating that she owes a monthly service charge. When attempting to reach customer care, I am unable to connect as my phone balance runs out. It seems the bank is ignoring customers' complaints regarding the Credit Card Department. Please address this issue promptly by cancelling the incorrect dues claimed, as my wife has paid all outstanding amounts. Also, cease sending monthly incorrect SMS alerts about dues. Cancel these unjust charges, Axis Bank, and improve customer service communication. Krishnakumar V, a loyal Axis Bank customer for 18 years.

To all customers and members of the community, especially those in rural areas, I urge you not to open an account with Axis Bank. They impose excessive charges that can deplete your balance or even put it in the negative. Axis Bank staff provide misleading information before account opening, then charge a minimum of [redacted] rupees for deposits, [redacted] rupees for card fees, annual charges, and other unnecessary fees without clear explanations. Additionally, they lack proper responses regarding deducted amounts. So, I advise against opening an account with Axis Bank, especially if you are economically disadvantaged.

I am a Lic agent who applied for a credit card from Axis Bank. However, I experienced delays in receiving the card and was prompted to claim a gift meant for new cardholders. Despite being assured the gift didn't need to be paid for due to my credit score, I never received it, but the amount was reflected in my bill. I raised complaints, followed instructions, sent multiple emails, and filled out dispute forms, but the amount has not been deducted. During these challenging times, amidst the pandemic, they persist in adding interest and demanding payment. I seek a resolution to navigate through this issue.

I am reaching out on behalf of my elderly father, Mr. Lakshmi Kanta Sarkar, an 84-year-old senior citizen and a long-standing loyal customer of Axis Bank. He has held an Axis Bank credit card for many years. The issue arose when the bank abruptly ceased sending paper statements and switched to e-statements without notice. Initially, my father managed the e-statements and made timely payments. However, the bank then inexplicably stopped sending him e-statements altogether. Despite numerous phone calls, Axis Bank only provided the total amount due and failed to furnish detailed statements. They claimed his email address was incorrect, despite sending e-statements to the correct address previously. Over the past few months, my father has made continuous efforts to obtain statements, to no avail. Instead of assisting, the bank has remained unresponsive and added unjust late fees. It is distressing to see a renowned institution like Axis Bank subjecting an elderly customer to such treatment without addressing his concerns promptly or appropriately. I respectfully request the bank to provide the missing statements from the last 12 months, refund any undue charges, and waive late fees incurred due to their oversight. Should this matter remain unresolved, I will be compelled to escalate it through social media and to the attention of Axis Bank's CEO. Thank you for your attention to this matter. Sincerely, Dr. Gopa Sarkat

Subject: Request to Close Accounts - Urgent Action Required Dear Mr Mahajan, I have been trying to close my accounts for some time now. Please escalate this matter to the Operations Department to resolve this issue once and for all. I do not wish to make any further payments as indicated below. Looking forward to your prompt action. Kind regards, Mrs. Sharma Today, I received an email from [redacted] regarding my account (A/c no. [redacted][redacted]) having a balance below the required minimum. Kindly advise on how to avoid any charges related to this shortfall. I am frustrated with the ongoing situation and struggling to find contact details for the Nodal Officer. I hope this email brings an end to this matter. I am concerned about incurring additional charges unnecessarily.

I recently deposited a cheque at Axis Bank Palakkad on the 5th for urgent cash withdrawal. Unfortunately, the cheque was deemed old and I was informed it would take up to 10 days for a new cheque to be issued. When I inquired about alternatives like a withdrawal slip, I was advised to withdraw Rs 70,[redacted] from the ATM over 10 days - Rs 10,[redacted] per day. Since this wasn't feasible for me, I attempted to use net banking but couldn't find a fund transfer option. When I raised this concern with the bank official, I was instructed to use my debit card. The next day, I provided my debit card and was guided through the process of resetting the pin, yet it didn't resolve the issue. Despite being told that as a platinum cardholder I could withdraw Rs 40,[redacted] per day, this also proved unsuccessful. I was informed this feature was only available in metro areas and was suggested to install the net banking app. As the branch lacked public WiFi, I attempted to use the app at home, but it required an mpin unknown to me. Despite numerous attempts to seek help from the officials, I haven't received a solution. I have been contacted by Axis Bank for marketing calls regularly, which is frustrating, yet when seeking customer support, I have encountered unavailability both telephonically and at the bank. If this is the level of service Axis Bank aims to offer, it risks lagging behind in the banking sector. I've been a customer of Axis bank since the days of UTI bank, and unfortunately, there seems to be no effective means to address genuine customer queries. This feedback is not a personal complaint against the branch staff, but a reflection of the failing system's inability to satisfy or at least prevent customer frustration.

I would like to inquire about the service provided by Mr. & Miss from the Axis Bank branch in Beltola, Guwahati. I was in the process of applying for a business loan when I encountered some issues with the documentation. I visited Ratul Mandal's cabin, submitted my documents, and later was informed that the RTI file I provided was allegedly fake. Additionally, I was asked for a cash deposit of [redacted] for opening the account and [redacted] for the RTI file, which seems questionable. I am concerned about the lack of transparency in this process and hope for a resolution soon. Thank you. - Sri Bitu Pan Borah, Lakhimpur District, Pin-[redacted], Contact: [redacted].

Regarding: Axis Bank Guwahati Branch Manager Mr. R and Miss Please provide information on the large puppies. I recently inquired about a business loan at your bank through Ratul Mandal's guidance. Despite submitting all necessary documents, I was told that the RTI file was falsified by Ratul Mandal himself. Additionally, I was asked for INR 15,[redacted] in cash to open an account and INR 2,[redacted] for the RTI form. I have not heard back regarding the status of my account and have faced difficulties. The RTI file should have been processed by now. I feel disappointed by this situation. Kindly address this matter promptly. Sincerely, Bitu Pan BorahPostal Code: 784165District: LakhimpurMobile: [redacted]

Dear Sir/Madam, I have been waiting since 22/11/[redacted] for a positive response regarding my complaint about unfair interest charges of Rs [redacted].20 on a Rs [redacted]/- amount that was inadvertently not paid by me. I believe a review of my transactions over the past three years would clarify my situation. Since I have not received justice from your end, I have paid all outstanding dues on my credit card except for the disputed amount of Rs [redacted].20. I have ceased using your card and am willing to surrender it when your representative comes to collect it. I have begun the process of closing my current account, savings account, my wife and children's savings accounts, fixed deposits, max life policies, home loan, mortgage loan, and mediclaim policies with Axis Bank. I will refrain from further correspondence to avoid inconvenience. Thank you for your service, however unsatisfactory it has been. Yours sincerely, Balthazar.

Dear Sir/Madam, I am Dr. J. R. K. Mindi from the Kids Home of Children of Promise India Trust, a branch under Children of Promise India Trust. Our main account is held at Axis Bank in Nellore. As the director of the Visakhapatnam branch since [redacted], located at Ram Nagar Branch, Account No. [redacted][redacted], I took over after my father passed away on October 14, [redacted]. After my resignation, my daughter, Dr. L. S. Karen, has been appointed as the new home director. We have submitted all required documents for the change in the authorized signature. Despite having operated the account since [redacted], the Mumbai branch of Axis Bank is asking for my late father's death certificate. We are puzzled by this request and seek your assistance in authorizing Mindi Lydia Suratna Karen as the new authorized signatory for Kids Home of Children of Promise Trust India. Thank you.

Regarding Transaction # (RR #) [redacted]76 I used the Google Pay app from my HDFC Bank account to send Rs45000 to the beneficiary on August 19, [redacted]. The beneficiary claims to have not received the payment. Google Pay and HDFC Bank have both assured me that the transaction went through successfully. Could you assist in verifying this transaction to ensure that it was successful and that the correct amount was received by the beneficiary?