[Resolved]  Axis Bank — account freezing without prior intimation

Address:	Agra, Uttar Pradesh, 282002
Website:	Axis Bank

SUB: MY SAVINGS BANK ACCOUNT FROZEN SINCE 01 JUL 2018

The sequence of case is as follows:

01 JUL 2018: Savings bank A/c Frozen

03 JUL 2018 1216 HRS: Called up customer care stating that I am unable perform any transactions. The executive directed me to go to nearest branch and submit the photo copy of PAN card of joint account holder (my spouse).

03 JUL 2018 1438 HRS: Axis Bank Sanjay Place, Agra branch (my home branch) refused to accept self-attested photocopy of PAN and Aadhaar of the joint account holder, stating that another form needs to signed.

03 JUL 2018 2037 HRS: I received an SMS "PAN card details against the joint holder Cust ID XXXX of your account is not updated. in our system. The debit operation in the linked account has already been restricted. Please call us on [protected]/ [protected] or visiting nearest Axis Bank branch...”

04 JUL 2018 1202 HRS: Called up customer care stating that my account is frozen. The executive accepted the joint account holders PAN no. and raised a SR[protected]. She informed me that my account would get activated within 48 working hours.

04 JUL 2018 1248 HRS: Attested copy of PAN & Aadhaar of both holders submitted at Axis bank Kamla Nagar, Agra branch. The executive who had accepted the documents, said that the account would get activated by evening on 04 Jul 2018. No action taken till 06 Jul 2018 1234 hrs.

06 JUL 2018 1213 HRS: Called customer care to find status of my earlier complaint no. SR[protected] dated 04 Jul 2018. The executive informed me that the said complaint is closed. I asked him to connect me to the desk supervisor and she connected me to Branch Manager (Axis bank Kamla Nagar, Agra branch). He further connected me to the executive who had accepted the documents. She said that the account would get activated by evening. New online complaint raised SR[protected].

Am I a terrorist to freeze my account ???

I fail to understand why I have not been issued with a notice / notification before freezing my account ? Axis bank has never intimated me to update PAN details of joint account holder. I received SMS asking me to update PAN details. I checked online, it was updated. I checked with helpline it was updated.

Till date (06 Jul 2018) there is no option in Axis Bank mobile banking app or Axis Bank website under insta services, to update PAN details of joint holder. Then this is a serious administrative issue of Axis bank. I believe a huge number of Axis Bank customers are facing the same problem. Expressing my deep discontentment towards Axis Bank.

Request restart my frozen account and initiate corrective measures intimating the undersigned. Also state reason as to why I should continue with Axis Bank.

JE MATHEW