[Resolved]  Axis Bank — Threatening calls, Abusive and Moral Allegation

Address:

Hyderabad, Andhra Pradesh

Hi,

I have been talking to customer care for reporting an issue of
threatening, abuse and mis-behaviour not only to me as a user but also
to my retired old parents who have no relationship with Axis Bank. On
my each attempt to lodged the complaint I was told there are technical
issues and they will not be able to take a complaint and provide a
complaint number. Finally I would like to appreciate "Rajesh" from
Axis Bank Mumbai who called and helped me to find this email id.

I had a Axis Bank Credit Card Bearing Number:[protected] which was
lost in the month of 19th January 2009. After that incident I have
never used the credit card at all. However, I have made payments
during Feb-Mar-Apr 2009 of amounts with denomination of: Feb-5000,
Mar- 4500, Apr- 5000 to a collection agency in hyderabad and the
collection agent named Abdul or similar. I have the 1 receipt of
payment, which I have retained after realizing that the payment is not
reflecting on my Credit Card Statement.

I have called the Axis Bank Toll-Free and reported the same and after
that I had not received any communication from Axis Bank. Recently a
person from Axis Bank called on my permanent residence and reported to
my old retired parents and told them that I have defaulted on my
Credit Card Payment and there has been a Legal Case done on me and the
Warrant is issued but he can stop this hassel if my parents make a
payment of 45000/- INR immediately before 12:00pm on 29th of April
2010, as he was the Legal Manager, Axis Bank he could help to sort
this out. My parents being retired with no source of income could not
make a committment and told they would inform me to get in touch with
him and collected his phone number: [protected]. My Parents were not
able to reach me immediately and during that period this person has
repeatedly called on the landline and threatned with mis-behaviour as
my parents told they are not able to reach me.

I called back on the number immediately and discussed the matter with
him and also provided him with the history of this issue and reason as
to why the payment which I was making regularly discontinued. I agreed
that I would like to settle the amount with Axis Bank regarded I am
provided clarity on my missing payments that I made during Jan to Apr
2009 and wave of the interest on the money which I had already paid.
This person was Named C.S.SAILESH KUMAR. Mr. Sailesh Kumar upon
enquiry also mentioned that the person who had called my parents was
Mr. Srinivas Reddy, Legal Manager, Axis Bank. When I asked him for the
contact details of Mr. Srinivas Reddy, Sailesh Kumar mentioned he was
not in office and he is not aware of his Phone Number.

Mr. Sailesh Kumar told that the total due on my credit card is
99,000/- INR which was not the total credit card limit even. Then he
told me that a payment of 61,000/- INR was made and 38,000/- INR is
pending. To which I told I have made a payment of around 15000/- INR
so what happens to that amount. He said we will wave this amount as
discount. Later he sent me a letter stating 26000/- INR as Full &
Final Statement. Yesterday when I went to the bank, they informed that
I would need a print out of the full & final payment letter. Later I
spoke to my lawyer and asked for some clarification from Sailesh on
email.

He replied to me on SMS that he busy with collections and would only
be able to clarify at or after 6:30pm today but I should make the
payment by 3:30pm. I certainly dint see any professional approach or a
process where customer makes payment first and gets clarification
later. Hence, I decided to go to the Bangalore, Rajajinagar branch of
Axis Bank Card Department and do the settlement.

Later I received a call from Mr. C.S.SAILESH KUMAR from his mobile
number: [protected] and he started shouting at me for not making the
payment today and was not willing to listen to why the payment was not
done. He started threatening that he will see now how I will make a
settlement with Axis Bank, because he will cancel settlement option
and I have to pay the full payment and how he is going to make my
credit credibility bad. He was absolutely rude, abusive and upon being
reminded that I am recording the call he got more violent and he hung
up on me.

Immediately, he called up my parents and started mis-behaving and
threatening them on the call about how I am a cheat and not making
payment to Axis Bank, which I feel is absolutely un-professional, not
compliant to customer policy and me being an above 21+yrs and not a
minor talking to my parents and troubling them is illegal.

Request you to kindly assign a Axis Bank Payroll Employee who can
contact me and I shall make this payment immediately. Also I would
like to have a compliant registered against this employee of Axis Bank
Mr. C. S. Sailesh Kumar for allegation on my moral, allegation on me
for looting public money, for using abusive language and threatening
to spoil my Credit Records and an compliant from my Parents for
forcing them to undergo harrassment even tough they are not Axis Bank
Customers. All emails, phone calls and sms recorded for proof, can be
submitted as required.

Please let me know how to take this up with Axis Bank Ethics and
Ombuds and get this resolved.

Thanks & Regards,
Prem Satpathy