Axis Bank Complaints & Reviews

Hello,

I am really fedup with the services of AXIS BANK, really, please cancell my card...have filed a complaint with the customer care and the axis bank guy also but all in vage...please...cancel it!

I am frustrated with the monthly rentals.....even though have never used it for even once...

I will compalint FIR against the Bank and the concerned people as it is all just to distract the customers...and fake promises.

Regards

Edc machine problem
Edc machine service is very bad

I am d.Deshakumar proprietor of "miss - u" textile show room in pallavaram.I have current account in axis pallavaram branch i got axis edc machine for more than 3 years.But recently i changed edc machine 3 times but again and again they are giving old and a machine mostly not in working condition.Regarding this i called the customer care service of axis edc but the person who speaks is totally illiterate and he dont know how to speak with a customer.They keep on send a machine which does not work properly.I have done huge transactions in axis edc but recently if its checked it will very less in my history.The person who comes from axis edc department is asking us unwanted questions like he doubt we lie.They even gave us a machine today which always shows "remove card" but we never inserted a single card in it.We afraid to do transactions in axis edc because nothing is working even keys.Its a money based machine if it does not work then i will be facing loss.
Please try to give a perfect working machine which works properly as early as possible.

Account name : miss - u
Tid : 51318045

D.Deshakumar
Mob no. [protected]

My ATM card got expire and bank sent a new card without informing me. Card and PIN was handed over to someone who is not the owner of the card without verifying ID proof. It was then misused and I lost 5000 Rs from my account. Bank is responsible for handing over such sensitive documents to correct owner. I could have lost much more due to such irresponsible behavior of bank if I would have not checked my bank account timely.

For the Loan Disbursement it took almost more than 8 Months. Gave lot of problem to me and builder then to generate APF No. it took 2 Months and after APF no its 1 Month. We are staying in Dubai and not only me there are other customers have more wrost problems with AXIS Bank.

Now without informing or giving formal letter which shows the details about the EIM and Dates and when EIM is going to start. they went to my POA and started shouting and theartning him.

This Pune Branch Axis Bank is having the most wrost staff and process.

Mangesh

Pending Provident Fund After Resignation
This for your kind attention in relation with the pending Provident Fund. I have resigned from Axis Bank Ltd PORABANDAR branch (222) GUJARAT, on NOV 12 2012 as BDE, and worked for 1years and 9 months as releaving period. During the time of my resignation, I have complited all the legal formalities that bank required. Still my Provident Fund is not credited in ac/no [protected]. My Employment ID : 46091, Joining date: 26 May 2011, Resigned on 12 Nov 2011.
Please take all necessary steps to the above -mentioned matter and do the needful in priority.
Requesting your kind consideration for the above.

I had applied a house building loan but as per norms during checking of CIBIL it is found that Axis bank against my Savings bank account written the status as ( Written off). after investigation it is found that i nevel taken any kind of loan from Axis bank, Axis bank concerned branch also given the NOC in this regard. after comunication to CIBIL , Cibil asked to Axis bank to reply on the same but Axis bank not responding of the CIBIL query since a long time.

here it is important to know, that Concerned branch has given me NOC that there is no dues/loan from the bank against my Savings accounts , on the other hand Axis bank concerned department not responded to CIBIL. Due to not response from Axis bank , my loan is on hold as well as i have to pay penalty to the vendor also i m very much mentelly harssed.

Why not Axis bank need to penalize in this regard why they un-necessary harssed the cusutomers.

Respected sir/mam

I was using axis bank credit card but due to some reasons I got late to
Make the payment due to that I got bad score in cibill
But three months back I had make the total outstanding clear
But still in cibill it is showing bad remark due to that I can't have the other
Banks credit card
So I request you to pls help me thank you
Card no-[protected]
Name-wasim sattar mulla

Dear Sir/Madam,

I have opened a SAVING A/C in axis bank my A/C no is: 9120 [protected] in the month of NOVEMBER 2012. Initially they haven't says that they will charge Rs. 280.90 for A/C opening. On this 15-DEC-12 they have deducted Rs. 280.90 as DrCard Issuance Chg [protected] from my A/C without prior information. Please look into my compaint and add this amount to my Account.

I am not having any credit card and I not asked for any credit card I am just having Debit card only My Axis Bank Branch is Churu, Rajasthan, India.


Thanks,
imran khan
Mob.: [protected]

Dear SIr/madam,

I was complain to the ATM for not received money
but bank was rejected my complain
but after some days , the ATM machine was change i think there is machine problem, that's why machine was change
i want talk to you pls give me your no.

Please reply.



I am Rakesh costumer of your PNB Lajpat Nagar Branch, 14 SEP 2012 I was withdraw the money from Axis Bank at Seema puri ATM, I don’t get money but I received the massage in my mobile 6500 Rs debited on your A/C I think this is the ATM machine problem I have already complain to the PNB costumer care my complain no. 58494659 please do something about my money and refund this money

Thanking you
Name : Rakesh
Mobile : [protected]

Sir / Madam

My name is Dhanesh Kumar & i am having a Saving a/c with Axis Bank vide a/c no. [protected]. My a/c was opened with an average quarterly balance of Rs.2500/-. Effective 01/04/2012, my a/c variant has been changed witout any undertaking from me. They have charged me a sum of Rs.561/- as well for not maintaining a average quarterly balance of Rs.10000/-. I visited the branch as well and submit my written request to know the reason of change, credit back of charges and change the varient to same as it was. I was also continuously trying to change my a/c variant through online mailing customer care & some of banking personals by telephone. But i am not getting any reply from these persons.

The request reference nos. received from online mailing customer care are 4721625 and 4520331.

Requesting to consumer forum to take some initiative.


Regards
Dhanesh Kumar
Mob. # [protected]

I resigned from the services of axis bank more than 6 months back. They have not issued me with a relieving letter nor have they settled my dues. I am unable to join anywhere else because of the non receipt of the relieving letter. Everytime I inquire from them, they reply next week. I am totally frustrated with axis bank and will end my life.

Anugrah Tete
Axis Bank employee ID 8686

I am an existing user of alibaba.com having account ‘anil.[protected]@gmail.com’. I have a complain that there is some illegal transaction with my company’s bank account of Axis Bank (A/C Name : R Tech Solutions ). I would like to inform you that please stop the dispatch of booked product of delivery address and verify the full transaction. Please also provide me valid information regarding the full transaction. For this illegal activity I have also complain to the Axis Bank and a FIR to local police station. Here is the Transitional Details:

Account Name : R Tech Solutions (Prop – Anil Chandra Das)
Account Number : [protected]
Bank Branch : Barrackpore
IFSC : UTIB0000436
Debit Card Number : [protected]
Transaction Description #1 : PUR/WILLAMETTE VALLEY/Swanzey/291112/22:
Transaction Description #2 :PUR/ALIBABA.COM/LONDON/291112/22:08
Transaction Description #3 :PUR/ALIBABA.COM/LONDON/291112/22:09
Transaction Description #4 :PUR/ALIBABA.COM/LONDON/291112/22:12

these amount is creadited in my account

04/12/2012TIPS/SCG/POS/ALIBABA.COMLACON /DT.29-NO 129.16

04/12/2012TIPS/SCG/POS/ALIBABA.COMLACON /DT.29-NO 66.43

04/12/2012 TIPS/SCG/POS/ALIBABA.COMLACON /DT.29-NO 56.76



FIR in Jagaddal Police Station : GDEM1306

Hope, you will take this mail seriously and think deeply before any act for booked product/services from my Bank Account. You may also contact me +91 [protected]


==============================================


reply

Hi Anil Ch. Das,

Thanks for your email.

We managed to locate the transactions based on your details provided. However, please note that we are unable to cancel the concerned transactions since all the orders were delivered out.

We are glad to see that you are contacting the relevant parties to get this problem solved. Currently, it's highly recommended that you report the fraudulent payment to your card issuer for follow up.

If you have any further questions, please visit our Help Center at http://help.aliexpress.com.

Sincerely
AliExpress Order Verification Team

===========================================


sir,

i understand that but i want to know delivered address because i have to find out the person who has done it. plz...help me to solve this issue because it is very important for me . i need details of who has order this transactions his mobile no and delivered address . i will be grateful to you if you provide me details . and hope this will help people to stop illegal transaction.


for

anil ch das
rtech solutions

================================================================



Hi Anil Ch. Das,

Thanks for your email.

We understand your concern on this matter.

However, considering privacy, forgive us that we are unable to disclose more details of the credit card user. It's recommended that you directly have your local police contact us presenting a formal court order to further investigate this issue, we will then follow up accordingly.

Also, we noticed you contacted us from [protected]@rtechsolutions.in too, hence, this reply was copied in to this mailbox.

If you have any further questions, please visit our Help Center at http://help.aliexpress.com.

Sincerely
AliExpress Order Verification Team

========================================================


i have the right to know all details of my transaction because this transaction is made from my account so you have to give me the details otherwise i have to go to consumer forum to take this details from your company . i am doing this because of no body will cheat further so you have to help me find me details .

i will wait for your reply till tomorrow other wise i have to go to consumer forum .

plz...help

===============================================================

I had applied for an Home Loan through Axis Bank(Secunderabad S.P road Hyderabad A.P) last month for couple of reasons :

Firstly , the seller of the Flat had an existing loan with Axis Bank and secondly My salary account was also through Axis Bank.
I thought this would really make things easier.

I have an absolute clean record with Loan settlements and credit defaults.My eligibility was quite above the requested amount. This made me absolute confident that my loan would sail through and completed rest of the formalities with the seller.

To my absolute astonishment I got no response from the bank for close to 10 days wherein I was suppose to get a response within 3 days as promised by the Axis Bank Agent(Ashish).

When contacted I get another shocker that my loan actually got rejected and reason stated by the agent was that my CBIL score was around 300 which was extremely low.

I was really in great shock and disappointed as now a days even organizations are verifying for a good CBIL score to offer any job opportunities.

I started getting multiple communications from AXIS bank that by loan got rejected - on SMS, on E-Mails on my co applicants number,email, to my physical address... This really made my annnoyed and I decided to apply to CBIL to get a detailed CBIL report to see where did I go wrong.

When I did get my CBIL score I was extremely happy as my score was 730 + which is considered good.

When I contacted the bank sales manager & Agent , even they were surprised and said such mishaps are common and could be due to some negligence.

This incident taught me the greates lesson in life - NEVER DEAL WITH AXIS BANK.

Well, after all this I lost the opportunity to buy my dream flat - courtesy Axis Bank.

My Application ID was : [protected]. I heard I could sue the bank for losing out on an opportunity equilant to the flat price. Not sure.

Thank you.
Terrence charles

I have applied for a crdit card of type MY CHOICE but i have received the card of type MY ZONE, and its completely different from my needs> AXIS bank has provided the card which has the benefits only for them, i need to change the card type or cancel it ASAP. if i phoned to cc they r not respoding well.
Credit card request id:[protected]

mail id: [protected]@gmail.com

phn: [protected]

The RBI has issued fresh directives in view of the numerous complaints from credit card holders, especially with regard to excessive finance charges and issuance o[censored]nsolicited cards, it said.

Besides, complaints like charging annual fee on what were being offered as free cards, issuance of loans over phone, disputes over wrong billing, difficulty in accessing the credit card issuers and poor response from the call centres, it said.

Giving detailed guidelines for credit card operations, the RBI had earlier asked the banks to declare upfront the interest rate, various charges and the methodology of calculation of finance charges with illustrative examples.

As per an RBI circular issued in 2007, card companies should prescribe a ceiling rate of interest, including processing and other charges in case of small value personal loans and loans similar in nature.

There should be transparency in levying differential interest rates, it had said, adding, the banks should publicise through their website and other means, the interest rates charged to various categories of customers.

The circular also advised banks to indicate to the credit card holder upfront, the methodology of calculation of finance charges with illustrative examples, particularly in situations where only a part of the amount outstanding is paid by the customer.

RBI had also asked banks to ensure that wrong bills are not raised and issued to customers. In case, a customer protests any bill, the bank should provide explanation and, if necessary, documentary evidence to the customer within a maximum period of sixty days with a spirit to amicably redress the grievances, the circular had said.

Respected Sir,

Greetings to you.

I am Ramakrishna.

I have got admission in Axis Bank Young Bankers Program (ABYBP). The program is about we have to do PG Diploma in MBA offered by Manipal University, Bangalore . The fee was about Rs.3,37,080/- for which axis bank was tie up with HDFC credilia to offer the education loan or else we can pay the amount from our own pocket (My family is not in a situation to get 3 lakhs for me).After completion of this PG diploma in MBA the candidate will be getting Assistant Manager post.

My problem was HDFC Credilia has rejected my loan showing the reason co-applicant or nominee should be only any of the following father,mother,sister or brother and that concerned nominee should be working in public or private organisations but the only nominee i had is my father who is a farmer.I was even ready to keep nominee as my paternal uncle who is constable in AP Police department.But the HDFC Credilia had not accepted.When contacted the axis bank recruitment hr team about the same and any other alternative way to avail the loan they haven't replied me .the fee payment due date is 28 November . I got the ABYBP admission letter on 22 November Evening.I mailed the axis bank recruitment team as many as 6 times but not a single reply came.


I think now I lost the job because of the reason I came from unemployed,uneducated family.I am asking Government of India what is this social Inequality.Please take necessary action against the organisations encouraging the discrimination based on economic status, employment status,educational status.Is the people who came from uneducated is banned from doing jobs in the democratic country of India?

Please inform me if you require any other details to take necessary action.

Thanking You,
Ramakrishna
ABYBP public ID[protected]registered number in ABYBP)
[protected]

Hi,

Myself Rajesh Dupukuntla had applied for AXIS MYWINGS([protected]) credit card, after receiving the card I came to know
that the offers/features explained by your representative are different from actual. So I made a request for cancling the card(MY WINGS ). I
got call from your representative,retention department and I explained why I am canceling the card, then she suggested me to swap the card with platinum card. She assured me that I need pay membership fee for platinum card only. But membership fee is charged for MYWINGS card which is
Rs.1200+applicable taxes, for the same I called customer service department made a request/complaint for reversal of membership fee
complaint no is:62646385 on 20-Oct-2012, For the same I sent a mail on 12-Nov-2012, as well as 14-Nov-2012 till date resolution is not made.

Apart from this my payment due date is 14-nov-2012 and I made a payment on 14th Nov itself through bill desk which is provided by the bank and it has been realized to bank on 19-Nov-2012,for this they charged late payment fee,debit interest and service tax. I demanded the reversal of applicable charges and taxes on 30-Nov-2012 and they reversed the late payment fee and service tax but not debit interest. So I called them on 2-Dec-2012 for reversal of debit interest, they declined my request/demand claiming that I made the payment late,so they can not reverse the debit interest. I use other bank credit cards as well as and I make the payment on due date and it will be realized to bank after 2 days but they never charged me late payment charges.

What is my request is that I am paying charges and fees which are not my mistake. please look into the issue and do the needful ASAP



Thanks and Regards

D Rajesh
Nagpur,
maharastra.

Following Reply By AXIS Bank - Credit Card Center On My Trasnaction Fail Complaint :

We acknowledge your email regarding transaction related.
We need to inform you that, we are unable to found the transaction done by Eagle Travel Agency - Rajkot on your credit card account.
Regards,
Customer Service Desk
AXIS Bank - Credit Card Center


Already Following SMS Generated On EAGLE Travels Transaction
SMS Date/Time 16/11/12 9:14 PM
From LM-Axisbk
Rs 240 was spent on your Axis Bank Credit Card no XXXX9631 on 16-11-12 at EAGLE CORPORATION PVT

Not Deleted SMS On My Mobile.

My complaint is on AXIS Bank regarding my salary account which was used by someone else. I have lodged a complaint by calling the customer service and got a complaint No.-6921015 on 2nd November 2012.
I joined ACS on 17th September 2012 and had to open a new account at AXIS Bank as they don't have tie up with any other bank. I asked to transfer my salary at CITIBANK Suvidha account as I have been an account holder from last 7 to 8 years with CITIBANK and got my salary credited from my previous employers for whom I worked for like Convergys, AON Hewitt etc. My account was active and I got my debit card and the ATM pin number in a sealed pack envelope. I received my cheque book on 27th September 2012 at my office address from the mail room and after that I didn't receive anything else from the bank at my office address or at my home address till date (13th November 2012). I didn't receive any message in my mobile number which I mentioned while filling the application form.
I got my first 13 days salary of September in the account and I used my ATM for the first time in the first week of October 2012 to withdraw money as I had to pay my rent. But I didn't receive any sms in my mobile which ideally should be sent automatically as the number was mentioned clearly. The application form was filled with all the details(Id Proof-Voter Id)as assisted by two representatives at our office premises at the time of joining the company.
My salary for the month of October was credited on 31st October and was debited on the same day in 5 transactions for online Airtel purchase/Mumbai which I came to know when I took out a Mini Statement at an ATM in East Of Kailash. I lodged my complaint at customer service desk and went to a Police Station at Sector-58,Noida but they declined my request to lodge an FIR saying that bank is responsible to investigate this type of matter. I visited the Main Branch of AXIS Bank at Connaught Place in Statesman Building, Barakhamba Road and had a word with the Branch Manager explaining the whole story. She responded saying that an investigation will be done which can take 15 to 30 days and then she got my debit card deactivated. I was told that the investigation report will be conveyed to me through email and at present they can't help me in this matter.
I received an email from Ritika Juneja,Senior Manager on 10th November mentioning as below:
"We would like to clarify that the transactions done through Verified by MasterCard Secured Code are secured transactions and the same cannot be done unless the person possession of all the aforesaid details, which are confidential in nature and known only to the cardholder unless the cardholder divulges the same to a third party. It appears that in present case you might have divulged all the aforesaid details to some third party, which resulted in aforesaid transaction from your account. You are solely responsible for maintaining the confidentiality of your password, registration data and other verification information established by you with MasterCard Secure Connection.Axis Bank will not be liable for any loss or damage, if any arising from your failure to cope up with the Terms of Service."
I want to sue the bank for such a service they provide to the people who trust them that their money is safe in there hands. I had no access to internet banking as my phone was not registered. Moreover,this is new account and I was waiting for my complete salary as Diwali festival was approaching and I had to send money to my parents as my Dad is retired and my Mom is a housewife and they are more than 60 years old staying in Kolkata.
They care a damn because we are weak and from a lower class family and they are corporate entities who can suppress if any mistake is done from there end. I explained them clearly that I don't have access to online banking and didn't receive anything else apart from a debit card and an ATM pin.
I was in office and we don't have access to internet on the floor and I didn't receive any message in my mobile. Then how can I know that my salary got credited,moreover, I have a Vodafone connection and the transaction were made at 9PM on 31st October for Airtel in Mumbai. The transaction details are mentioned below:

1)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:35 10,000.00
2)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:44 2,000.00
3)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:46 2,000.00
4)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:37 10,000.00
5)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:39 10,000.00

Please help me to get my money back as I can't afford to loose that as I am already in debt and I had to borrow money from my friend to pay my rent this month.

Thanks.

With Regards,
AMITAV PAUL.

I am truly dissapointed by the services provided by Axis bank credit card.
I have submitted a complaint earlier three months back with consumner court but still no solution. Even Axis Bank has accepted that something wrong has happened, but none of official is interested in solving customer's problem. Further to my complaint each time I am writing to grievience cell and I am fed up of same reply again and again. Please see below reply of Axis. Customers like us seems there is no place for justice against something wrong happening to us.

Bank's Reply to my email: [along with other communications: - Would be glad if someone from forum could guide me in correct way to fight against such wrong deeds. No matter what, I will keep on trying and fighting till I get any result.
_______________________
Dear Mr. Kavade,

This is with reference to your e-mail dated November 24, 2012:

We would need to clarify that we were not in receipt of any request from the merchant (E-bay) to convert your purchase into easy EMI scheme as stated in the mailer received at your end.

However, since the purchase amount was not been converted into easy EMI we would request you to kindly liase with the merchant for refund of the Processing Fee levied to your card.

Further, we would get back to you with suitable response for the non-conversion of EMI as stated in next 02 working days to you.

Your co-operation in the interim is highly appreciated.

For any further assistance or clarifications, please write in to us or call us on our 24-hour customer service help line numbers[protected],[protected],[protected].

We appreciate your time and business.

Thanks & Regards,
Grievance Redressal Cell.
Axis Bank.


[protected]----Original Message[protected][protected]
From:Samir K[[protected]@gmail.com]
Sent:11/24/2012 2:05:26 PM
To:grievancecell.[protected]@axisbank.com
Subject:Re: Re: Re: AXISIBRM=[protected] Complaint received through consumer complaints forum: SAMIR KAVADE


It is over a month and no satisfactory outcome on trailing issue so far has been received. Kindly revert.


On Mon, Sep 17, 2012 at 12:41 PM, wrote:

Dear Mr. Kavade,

This is with reference to your e-mail dated September 14, 2012:
We need to inform that, basis your marketing pamphlet been received at our end we have initiated the complaint with our marketing team to know the reason for marketing offer not been honored on your card account vide complaint numberNo. 6752042.
Further, we would request you to kindly allow us 08 working days to get back to you with the status of request initiated at our end.
Your co-operation in the interim is highly appreciated.
For any further assistance or clarifications, please write in to us or call us on our 24-hour customer service help line numbers[protected],[protected],[protected].

We appreciate your time and business.

Thanks and Regards,
Grievance Redressal Cell.
Axis Bank.


[protected]----Original Message[protected][protected]
From:Samir K[[protected]@gmail.com]
Sent:9/14/2012 11:14:01 AM
To:grievancecell.[protected]@axisbank.com
Subject:Re: Re: AXISIBRM=[protected] Complaint received through consumer complaints forum: SAMIR KAVADE



Dear All,


This is with extreme grievance i am writing email. As per your trailing email - you say that Axis does not have any tie up with ebay for emi option. Please refer the attachment received in my email from axis bank. It is the monthly credit card bill. At the end of page you are clearly advertising ebay purchase 3 or 6 month emi option and on other side you are replying to customer that you do not have any such scheme.


Please revert back positively. I have been forced to pay entire emi amount in one single bill. How is this justified?
I need the money credited to my account immediately.


On Tue, Aug 28, 2012 at 5:52 PM, wrote:

Dear Mr. Kavade,

This is with reference to your e-mail dated August 28, 2012:
We need to reiterate that, basis our earlier e-mail we had informed that the emi offer is not been offered by Axis Bank however the customer has the option of converting his any purchase above Rs. 2,500 within 30 days of the purchase done and the internal policies / norms of the card are been met.
Further, we need to state that there has been no offer of making the purchase / converting the purchase done at ebay from our end and the needful has to be done from the merchant s end.
Post receipt of the required note from the merchant bank the emi conversion would be done on your credit card basis the offer provided by the merchant.
In the light of above clarifications, we regret our inability to accommodate your request further and would seek your co-operation on the demand raised at your end.
For any further assistance or clarifications, please write in to us or call us on our 24-hour customer service help line numbers[protected],[protected],[protected].
We appreciate your time and business.
Thanks and Regards,
Grievance Redressal Cell.
Axis Bank.


[protected]----Original Message[protected][protected]
From:Samir K[[protected]@gmail.com]
Sent:8/28/2012 9:21:51 AM
To:grievancecell.[protected]@axisbank.com
Subject:Re: AXISIBRM=[protected] Complaint received through consumer complaints forum: SAMIR KAVADE



Dear Customer grievance team,


Please find below reply from ebay. Please provide clarification to this. What is going on?


eBay sent this message to Kavade, Samir (kavade1984).
Your registered name is included to show this message came from eBay. Learn more about how to tell if an email is really from eBay.
RE: Paying for items







Hello Samir,

Thank you for writing to eBay India Customer Support.
As we saw that your query is of transaction which is converted into EMI.
We would like to explain you how the EMI process on eBay works:
1. Firstly, the EMI option has been chosen by you on the eBay site, it would actually be offered to you by your credit card issuing bank.
2. Hence, when you pay via credit card, the complete amount for that transaction would get blocked. And that is why you see the charge for the complete amount in your credit card.
3. But the amount would be deducted in the EMI format by your credit card issuing bank. Thus if you would check your monthly credit card statement, the amount would be shown as charged in EMI from the next month statement.
4. You are required to pay only the installment amount which will come in your monthly statement for next 6/3 months.
So need not worry your transaction is converted into EMI.

Regards,
Rizwan S.
eBay Customer Support
______________________
[THREAD ID:1-1ZX477Y]

-----Original Message-----
From: [protected]@gmail.com
Sent: 8/22/2012 05:15:28 AM
Subject: Paying for items

Sent:[protected]:14:00.0
Subject:Paying for items
Enter item number(s[protected]
Enter your question / concernEMI payment made with convenience charges for purchase. However in my credit card bill entire amount is charged in single month. When I contact bank they say they dont have any offer of EMI with EBAY. Request immediate help. If EMI is not converted please refund my convenience charges of 512.83 rupees with interest.












On Mon, Aug 27, 2012 at 11:58 AM, wrote:

Dear Mr. Kavade,

This is with reference to your e-mail with regards to 0 % EMI offer for e-bay purchase done:

We need to clarify that, Axis Bank does not have any offer / tie up with E-Bay to provide the purchase amount into easy EMI @ 0 % interest as stated from your end.

However, we would request you to kindly take up your complaint with the merchant as the offer is been done from the merchant s end and not by Axis Bank.

We also need to inform that, Axis Bank credit card has been the mode of payment towards the purchase done on E-Bay website by the cardholder.

Further, the EMI facility is available to the new customer(s) also for the minimum purchase of Rs. 2,500/- done on their card account.

Further, the emi tenures are for 03,06,12 and 24 months respectively for only retail transactions and not for any other cash withdrawal / total outstanding due/ Balance transfer on the card account.

However, incase if the customer wishes to avail the EMI for his purchases done in future then the customer needs to ensure that there should be no cheque return charges in last 03 months to his card account.

We also need to clarify that, the total reward points would be purged off once the transaction is been converted into EMI facility and the posting date should not be more than 20 days old.

Further, there would an processing fee of Rs. 150 or 1.5% of the principal amount (whichever is higher) as a one time fee that would be levied to your card account and there would be a service tax @ 10.30 % on processing fee, EMI interest.

However, if the customer wishes to pre-close the EMI facility before the tenure opted then he would be charged with Foreclosure charges @ 3 % of Principal (EMI) outstanding.

In the light of above clarifications, we trust we have answered your query with regards to EMI facility available on your Axis Bank Card Account with regret to accommodate your request further and seek your co-operation on the demand raised at your end.

For any further assistance or clarifications, please write in to us or call us on our 24-hour customer service help line numbers[protected],[protected],[protected].

We appreciate your time and business.

Thanks and Regards,
Grievance Redressal Cell.
Axis Bank.


[protected]----Original Message[protected][protected]

Credit card EMI purchase on EBAY.in
I had purchased a costly sony zoom digicam item code[protected] through Axis bank credit card ([protected]) with EMI of 6 month option. The purchase price for item was Rs 20133/- + Rs 512.83/- as EMI charges taken by ebay . My ebay user id kavade1984.
I received the item from ebay seller after making my payments through interest free EMI option. However, I was surprised to see my credit card bill. The entire amount i.e. Rs 20133/- + Rs 512.83(EMI charges) was charged in single month to me.
I contact ebay through their customer care toll free number - They say that they have approved the EMI now the bank has to convert it to EMI. On contacting the bank, the bank says it has to be done by merchant. It is like a bull run here and there with no solution. Finally I wrote to customer care of Axis bank credit card and they are saying a whole different story - WE DON T HAVE ANY OPTION OF EMI purchase WITH EBAY
What is going on? If there is no emi option how come they charged 512.83/- as emi processing fee. Now i have to make full payment or they will charge interest which is head blowing (1.5% per month on principal - which is around 1500 per month for three months)
If any one has faced such problem and has got solution; please let me know through email given at end of this complaint. I shall be grateful to you. We have to be as a team of aware customers to fight against fraud like this. Such fraudsters get away when we keep silent.
I had made this costly purchase only because it was available for purchase under EMI option. But this type of cheat and fraud has seriously impacted my financial condition. It is almost a month salary to a person like me with a family to look after.
Can anyone suggest me what action can I take against Axis or Ebay to get what is promised to customers? I have all valid documentation from Ebay as well as bank email correspondences required to sue these criminals but dont know how to proceed.
Please write to me at [protected]@gmail.com


Samir Kavade
Mobile number : [protected]
________________________________________________________________________________...⇄

PREVIOUS TRAIL MAILS.


Dear Customer care,


Can you please explain how is this possible? Please refer below screenshot taken from Payment page.


What do i have to do to escalate this case? As you are referring me to speak to merchant and merchant says to speak to bank? Where has the customer have to go. Please refer my case to some senior person at Axis credit card division.

_____________________________________________________
On Mon, Aug 13, 2012 at 10:14 AM, wrote:

Dear Mr. Kavade,
We acknowledge your query regarding EMI conversion.
We need to inform you that, there is no offer given from Axis Bank side for EMI conversion on purchase from ebay.
Further, we request you to kindly get in touch with merchant for the same.
Thanking You,
With Regards,
Customer Service Desk
AXIS Bank - Credit Card Center
CS 181
For any further assistance or clarifications, kindly call us on our 24-hour toll free customer service help line numbers[protected]/[protected]/[protected]Toll Free) [protected]chargeable and accessible outside India as well) customer.[protected]@axisbank.com


[protected]----Original Message[protected][protected]
From:customer.[protected]@axisbank.com[customer.[protected]@axisbank.com]
Sent:8/11/2012 4:47:21 PM
To:customer.[protected]@axisbank.com
Subject:Re:Credit card EMI Charged fully in single bill



Dear Sir/Madam,
Please find the mail received from the customer and respond to customer?s external e-mail id : [protected]@gmail.com
Customer id ?[protected]

Regards,
Customer Service
Axis Bank Ltd


[protected]----Original Message[protected][protected]
From:[protected]@axisbank.com[[protected]@axisbank.com]
Sent:8/10/2012 11:42:58 PM
To:[protected]@axisbank.com
Subject:Credit card EMI Charged fully in single bill



Branch Id :
Dear Sir,

I have purchased electronic goods from EBAY india using Axis credit card EMI option for 6 EMIs. However I have been charged with the entire amount in same month.
Please help to solve this issue, ---- User mail Id :[protected]@gmail.com


[ThreadID:4295445]$DISCLAIMER:
Information contained and transmitted by this E-MAIL including any attachment is proprietary to Axis Bank Ltd and is intended solely for the addressee/s, and may contain information that is privileged, confidential or exempt from disclosure under applicable law. Access to this e-mail and/or to the attachment by anyone else is unauthorized. If this is a forwarded message, the content and the views expressed in this E-MAIL may not reflect those of the Bank. If you are not the intended recipient, an agent of the intended recipient or a person responsible for delivering the information to the named recipient, you are notified that any use, distribution, transmission, printing, copying or dissemination of this information in any way or in any manner is strictly prohibited.
If you are not the intended recipient of this mail kindly delete from your system and inform the sender.
There is no guarantee that the integrity of this communication has been maintained and nor is this communication free of viruses, interceptions or interference






--

---
Thanks and Regards,
Samir K,


[ThreadID:4295445]$DISCLAIMER:
Information contained and transmitted by this E-MAIL including any attachment is proprietary to Axis Bank Ltd and is intended solely for the addressee/s, and may contain information that is privileged, confidential or exempt from disclosure under applicable law. Access to this e-mail and/or to the attachment by anyone else is unauthorized. If this is a forwarded message, the content and the views expressed in this E-MAIL may not reflect those of the Bank. If you are not the intended recipient, an agent of the intended recipient or a person responsible for delivering the information to the named recipient, you are notified that any use, distribution, transmission, printing, copying or dissemination of this information in any way or in any manner is strictly prohibited.
If you are not the intended recipient of this mail kindly delete from your system and inform the sender.
There is no guarantee that the integrity of this communication has been maintained and nor is this communication free of viruses, interceptions or interference






--

---
Thanks and Regards,
Samir K,


[ThreadID:4295445]$DISCLAIMER:
Information contained and transmitted by this E-MAIL including any attachment is proprietary to Axis Bank Ltd and is intended solely for the addressee/s, and may contain information that is privileged, confidential or exempt from disclosure under applicable law. Access to this e-mail and/or to the attachment by anyone else is unauthorized. If this is a forwarded message, the content and the views expressed in this E-MAIL may not reflect those of the Bank. If you are not the intended recipient, an agent of the intended recipient or a person responsible for delivering the information to the named recipient, you are notified that any use, distribution, transmission, printing, copying or dissemination of this information in any way or in any manner is strictly prohibited.
If you are not the intended recipient of this mail kindly delete from your system and inform the sender.
There is no guarantee that the integrity of this communication has been maintained and nor is this communication free of viruses, interceptions or interference .






--

---
Thanks and Regards,
Samir K,