Axis Bank Complaints & Reviews

Dear Sir

We are very sorry to say about your bank, we are struggling much more with your bank (axis bank) executive Sukanya PV consultants, MG Road Secundrabad. Her mobile number is [protected]. Office number[protected]. She has introduced one person named Pavan Kumar his mobile number is [protected] and [protected] as your axis bank executive. to get the home loan. He has taken RS 8400.00 as bank processing Fee. But they have not responding about my home loan, lastly we have observed that they are cheated me.

Please let me know your comments so that we plan according to your comments and please let me know what can I do this case, I am strongly feeling this issue will effect your bank reputation.

Thank you,
Best regards,
Jagannadha Raju
[protected]

sir/madam,
my name is madhusudhan holding an account in axis bank has gone a personal loan for my grands maa treatment. i have no dues with any institution or organization till now. i am told that i have a poor track record and they have rejected my loan application and gave me CIBIL no[protected] to conform with the CIBIL authorities. so please kindly let me know whom i have to approch.
thanking you,
with regards,
madhusudhan.

i have a credit card since the year 2006 of axis bank and at the time of november i was completely close my credit card with full payment and adjustment that was proof of papers i have that prooves the payment of adjusted n i was given them payment by cheque mode.Now the problem is that sine january 2009 i have getting a calls from the bank recovery n they are regularly misbehaving with me n my family. Thats by i am suffering from seviour extortion n mental torture as well as deformation also in front of my neibhours.this time i am not attaching the documents but if i'll getting your reply i'll send you the whole documents.

Dear Sir,

This is inform you that i have a EDC Machine of Axis bank ltd.
and a current A/c no. also .my A/c no. is [protected]
I have a EDC machine display problem and machine is also not doing work properly .i made a complaint many times on your call center numbers but they didnt do any thing.i have so many lose of transactions many time because of machine working problem .so at the end i decided to close the A/c and machine after complainding so many times.despite of many reminder and call they didnt replay me

with regard
ANSHUL AGRAWAL;
A/C nO. [protected]
ESC MACHINE MODEL NO.AXALTO MAGIC M5100
MID No.[protected]
TID No.23313159

I am having salary account in Axis Bank in Secunderabad Main branch since October, 2006 and my account no. [protected]. In the month of Sept. 2008 some amount is deposited into my account from unknown account. in this regard, i had given a complaint and authorisation to bank people to deduct the amount and deposited into victimised account mean while Bank people stopped my transaction. In the month of October, 2008 Bank people deducted the unknown amount and deposited into victimised account. But, I am unable to do transaction with my account till date and I am having Rs.18, 000/- in my account. In this regard, once again I have submitted one more requestion letter to bank people to enable my account transactions as soon as possible.

I have availed home loan from Axix bank, Nasik and my home loan a/c No. is given above.

My loan was sanctioned on[protected] on the basis of submission of original agreement to sell and other relevent papers and an amount of Rs. 197546/- was disbursed to me on[protected] through two payorders/cheques and the third pay order/cheque of Rs.337454/- was disbursed to me on[protected], the day sale deed was executed and handed over to the bank.

However to my surprise, the bank charged Pre EMI interest on my Total amount of loan i.e 5, 35, 000/- from[protected].

Axix Bank Nasik has replied to my letter saying that disbursement request was given by me on[protected], and therefore Pre EMI interest is charged from that date. It has also accepted that the pay orders were dusbursed to me on[protected] and[protected]. Here I wish to say that I have paid the processing fees to the bank for my loan and if the loan was sanctioned on[protected]. that means the bank authorities were satisfied with the documents submitted by me till[protected] and then only my loan account was opened/sanctioned. Then the pay orders for my total amount as per my request should have been handed over to me on[protected] but in its reply the bank also says that since the bank needs security i.e Sale Deed Copy which was executed on[protected], it did noyt hand over the third pay order before that.

The bank has charged excess Pre EMI amount from[protected], whereaas it shoud have charged the same from[protected] for Rs. 197546/- and for Rs. 337454/- from[protected] and I therefore request the bank to refund the excess amount charged from me.

Looking forward for the positive reply from the bank.

TAKE HOME LOAN FROM AXIS BANK AND " GHUM TE REH JAO GE ON THE AXIS "

WE HAVE UNFORTUNATELY TAKEN A HOME LOAN FROM THE AXIS BANK WAY BACK IN SEP / OCT 2006. HOME LOAN ACCOUNT NO [protected]

WE HAVE A NUMBER OF OUTSTANDING ISSUES REGARDING MY HOME LOAN WHICH I HAVE ASKED THE BANK FOR REDRESS THROUGH PERSONAL REPRESENTATION IN THE OFFICE OF MR MANISH GUPTA, AXIS BANK [HOME LOAN DEPT], BHANDARKAR ROAD, PUNE IN DEC 2007 AND THROUGH REPEATED EMAILS TO - AXIS RAC <Customercare.[protected]@axisbank.com>; ANIL DIGHE <anil.[protected]@axisbank.com>; Manish.[protected]@axisbank.com; SINCE THE EARLY 2008. TILL DATE NO RESPONSE HAS BEEN FORTHCOMING !

THE ISSUES ARE ENUMERATED BELOW

NO RESPONSE FROM AXIS BANK, HOME LOAN DEPARTMENT, ON THE ISSUE OF : -

A> WRONG CALCULATION OF INTEREST ON HOME LOAN - THE CALCULATION SPREAD SHEET WAS GIVEN BY ME ON TWO OCCASIONS TO MR MANISH GUPTA - I PERSONALLY LOADED ON HIS COMPUTER ONCE.

B> WRONGLY ROUNDING OFF OF DECIMAL PLACES AND CLAIMING IT TO BE A RBI DIRECTIVE. THE COPY OF THE DIRECTIVES WAS REQUESTED - BUT TILL DATE THAT HAS NOT BEEN GIVEN.
AND THE SAME ISSUE WAS CHECKED WITH THE AXIS BANK [SAVINGS BANK ] - WHO AGREED WITH MY CASE.

C> NOT INFORMING AT ALL OF THE CHANGE OF RATE OF INTEREST - HENCE DEPRIVING ME [THE CUSTOMER] OF THE CHANCE TO CHANGE / REVISE MY [HIS] EMI AND HENCE MAINTAIN THE TENURE OF LOAN - HENCE CAUSING A LOSS

D> THE INTEREST IS CALCULATED ON THE NUMBER OF DAYS IN THE MONTH [INTEREST * NUMBER OF DAYS IN A MONTH / NUMBER OF DAYS IN A YEAR]. 2008 BEING A LEAP YEAR AXIS BANK HAS CALCULATED THE INTEREST FOR THE MONTH OF FEBRUARY FOR 29 DAYS, BUT……….. THE DENOMINATOR WHICH ALSO HAS TO CHANGE TO 366 INSTEAD OF 365 HAS NOT BEEN DONE – THIS SUITS THE BANK AS IT COLLECTS INTEREST FOR ONE EXTRA DAY – THIS PROCEDURE HAS BEEN CONFIRMED BY AN EMAIL SENT TO ME FROM AXIS BANK. THIS AMOUNTS TO ABOUT RS 480 ODD IN MY CASE! IMAGINE THE QUANTUM IF YOU CONSIDER ALL THE LOAN ACCOUNTS THE BANK HAS. THE AMOUNT OF GAIN IS COLOSSAL / HUGE - CONSIDERING THE NUMBER OF PEOPLE EFFECTED.

E> CLAIMING THAT THE CORRECT ADDRESS WAS NOT AVAILABLE WHEN THE SAME WAS GIVEN AT THE TIME OF APPLYING FOR THE LOAN AND SUBSEQUENTLY THE REVISED COMMUNICATION ADDRESS WAS PROVIDED ALONG WITH MOBILE NOS AND LANDLINE NOS.

F> CLAIM BY MR MANISH GUPTA THAT - THE BANK CANNOT AND WILL NOT RESOLVE THE ISSUE AND THAT I [THE CUSTOMER] CAN KEEP TRYING TO FIGHT IT OUT, THE BANK HAS THEIR LAWYERS TO DEFEND AND FIGHT FOR THEM

G> LASTLY - NOT CARRYING OUT DOWN WARD REVISION OF ROI AND MAINTAINING A HIGHER ROI, WHICH IS AGAINST WHAT WAS TOLD AND DISCUSSED WITH ME WHEN THE LOAN WAS SOLD TO ME, THAT THE MARKET RATE OF INTEREST WOULD BE MAINTAINED, BOTH WAYS. IT IS PERTINENT TO MENTION THAT ALL UPWARD REVISIONS WERE VERY PROMPT - THAT TOO WITHOUT EVEN INFORMING ME.


H> I HAVE EVEN REPRESENTED MY CASE TO MR ANIL DIGHE WHO IS SUPPOSED TO BE IN CHARGE OF THE HOME LOAN DEPT AT THE AXIS BANK H/O, ALSO REPEATEDLY ASKED HIM FOR THE MOBILE NO AND EMAIL ID OF THE GENERAL MANAGER IN CHARGE - BUT TO NO AVAIL!

THESE ISSUES HAVE CAUSED ME IMMENSE HARDSHIP DUE FREQUENT AND REGULAR VISITS TO THE BANK BY MY WIFE AND CONSTANT MENTAL AGONY WHICH DOES AFFECT MY WORK ESPECIALLY AS A DEFENCE PILOT, BESIDES LOSS IN TERMS OF MONEY ON TWO COUNTS - EXCESS INTEREST AND LOSS DUE TO FREQUENT VISITS AND PHONE CALLS.


I PRAY THAT THE BANK BE ASKED TO RESOLVE THE OUTSTANDING ISSUES AT THE EARLIEST AND THE BANK BE ASKED TO COMPENSATE DUE TO - THE LAXITY AND IRRESPONSIBLE BEHAVIOUR SHOWN BESIDES CAUSING CONTINUED EXTREME HARDSHIP AND IMMENSE MENTAL AGONY - WHICH AMOUNTS TO LACK IN SERVICE PROVIDED ! IT IS ALSO PERTINENT TO MENTION THAT THE BANK APPEARS TO SHOW THAT THEY ARE ABOVE LAW AND CAN GET AWAY WITH ANYTHING AND EVERYTHING.

Hi Sir,

This is Monica and I am the employee of HCL Technologies, Noida. My company has opened up a salary account for me with Axis bank, (sector-3, Noida). Most of the time I use ATM to withdraw the money from my account. I have unlimited transactions free from other ATM machines using my Axis Bank ATM Card.

This morning (4th of March 2009) I tried to withdraw 1000 Rs. from HDFC ATM Machine using my Axis Bank ATM Card, at 9:18 AM, but I got a message displayed "Timed Out" and did not get 1000 Rs from the Machine, I tried the same amount transaction again withing one minute, I got the 1000 Rs but along with that I got a transaction slip stating that Rs. 2000 has been deducted from my account.

I called in my bank and they gave me customer help line number that is[protected], I called on this number and talked to a lady named Avinash but they told me that my details are not matching with their database, If my details are not mathcing then how come I am getting my salary debited into my account?????? When I asked for what kind of details she is talking about. she was not ready to tell me.

Please help me regarding the same...

Hi!
Good Morning sir, let me introduce myself.
My name is Ashok Sharma I work as an ROM for Reliance Petroleum LTD at Daman (U.T.). I am facing a small problem from the Axis Bank Vapi Branch. The detail problem is mentioned under:-
 I have been operating the account ([protected]) since 2002 and the balance in my account is Rs 11286/- as on now. On 8/8/08 50000/- Rs. Was wrongly credited to my account and on the same day I was informed by Mr. Gyaneshwar (Manager) about the wrong credit of money. He instructed me to send a letter for the reversal of the payment and the same was reversed on 19th of Sept. 08.
 My cheque dated 20/10/08 was dishonoured by the bank and again on 15th of Oct. I got a call from Bajaj Finance Company saying that 2 installment amount cheque of Rs. 2500/- each is dishonoured by the bank stating the account is closed by the account holder.
 On the above senior I wrote a letter to the bank on 21st Oct. 08 asking them to reactivate the account on the basis of the communication of Bajaj Finance Company. But regretful answer was received from the bank that your account is Total Frozen and you have to close your account.
 Till date my account is blocked and no transaction can be done.
Kindly guide me what I should do in this regards.

Thanking You
Ashok Sharma M. & Shiksha A Sharma

had a housing loan in september 2008.since november continuously asking for the certificate for the loan to file in IT documents.But the people in axis bank are least bothered.When they have to offer you a loan then they are after the life of consumers, but when customer asks any documents they just become invisible.
can anybody listen or help.

As I understand, there are two steps in a complete online credit card txn.:

1) Customer instruct a merchant to recover the payment from his credit card by providing the card no., and expiry date.
2) Customer authorises bank to make payment against the claim made by merchant against his card

As per my knowledge and understanding both these steps are must for a credit card transaction to complete. Moreover again as per my understanding this second authorisation is done by one of the following ways, depending on the mode of transaction:

i) Authorisation in case of purchases from shop: is by allowing merchant to SWAP the Card and by signing the receipt generated after swaping as an acknowledgement
ii) Authorisation in case of internet/online transactions: is by way of providing either the CVV No. or the Pin No. which are available only with the card holder

And these authorisation are required to ensure that it is a will full transaction made by the actual card holder and some one else is not misusing the card.

In the transaction under dispute, the first step was completed and then a message appeared stating that now you will be directed to the banks site for completing the transaction as a second step. Before I can be actually redirectedarted to the bank's site, the internet connection is gone and the transaction could not be authorised/completed. Surprisingly the payment to the merchant is still made by the bank. Even more surprisingly this was an international payment of 140 GBP as registration fees to an educational institute as o[censored].K. named "CIMA - Chartered Institute Of Management Accountant" i.e. to say that an international payment is being made without authorisation.

I refused the bank to make this payment of the credit card bill and after I raised this issue as a formal dispute in writing and wrote multiple mails asking for the documents evidensing the authorisation given by me to the bank for making the said payment, which I have never provided because of the network problem and still the payment is made, I don'y know how? .

After reminders through mails and telephonic discussions, the bank has provided the scanned copy of some papers stating that these have established the evidence of me authorising the transaction. On perusal of those paper I come to know that these are the papers produced by CIMA to bank for claiming payment and are evidensing the claim made by "CIMA Global" on the basis of details provided by me. But these are not evidensing the authorisation given by me to Bank to make the payment against my credit card. Bank has never produced any evidence for the authorisation which it can never produce as authorisation was never given.

Considering all this I requested the bank to please close the dispute and provide me a statement showing that there are no dues payable by me against the credit card.

But instead of resolving the issue the bank has debited Rs.1, 218/- to my savings account as late payment charges.

I request you to please help me in the issue and do the needful to close the dispute at the earliest and reversal of Rs.1218/- debited to my savings account.

My Card no. is XXXX XXXX XXXX 7404
Date of transaction 31st July 2008
Amount Involved Rs.12, 244.86 (GBP 140)
Part recovery from CIMA Rs.6, 476.17 (GBP 85) on 28/8/2008
Interest debited to my savings account Rs.1, 218.00 on 11/11/2008
Outstanding as on 10/2/2009 Rs.8, 113.86

Dear Sir/Mam,

I have an Salary A/c [protected] with Axis bank Hissar Branch. I have issued cheque 072911 Dated 24/02/09 for Rs.750/- against DD issue infavor of Reliance Money Ltd.

But Bank has deducted DD Issue Charges from My Salary A/c and When i visit Axis Bank Hissar Branch they said DD Charges applicable but i confirm from our Head office(Mumbai) there is no this type of charges will be applicable on Reliance' Salary A/c.
Kindly Register My complaint against Axis bank Ltd.

Thanks in Advance
Ajay Singal
Hissar(Haryana)

Hi,

I am Prem from mumbai.I have never found a fraudulant bank like AXIS Bank. All time I regret why did did I take axis bank credit card.I am sure you never heard that without using your credit card you have to pay bill, This heppened with me. I am having credit card number [protected]. Request you all to please go through the entire message below .It's all true that you will never believe...
I have also attached my bank account statement at the end.

It's not a story see the truth about fraudest bank of the world "Axis bank"

I would like to file a compaint with consumer court. Can anyone help me on this?

Anyone can call me at [protected]

Thanks,
Prem

Dear Mr. Pandey,
 
This is with reference to your complaint dated February 11, 2009 regarding the lien placed on your savings account.
 
We wish to inform you that, we have noted down your concern and highlighted the matter to our concerned department regarding the the lien placed on your savings account.
 
We request you to kindly allow us 5 working days to get back to you.
 
Your co-operation in the interim will be highly appreciated.
 
We are glad to inform to you that, now you can download / view your credit card statement online by visiting www.axisbank.com by selecting the option "Credit Card Statement" listed under "Quick Access" in both Personal as well as Priority Banking.
 
For any further clarification, do write to us or call on our 24-Hour Customer Services helpline[protected]/[protected] (BSNL or MTNL landlines), we will be glad to assist you.
Thanks & Regards
Customer Service Desk
Axis Bank - Credit Card Center
CRCD 02

 

-----Customer Services <customer.[protected]@axisbank.com> wrote: -----
To: [protected]@axisbank.com
From: Customer Services <customer.[protected]@axisbank.com>
Date: 02/11/2009 08:12AM
Subject: Re: [Fwd: S 2425 /S 2115 Disputed Transaction] (PREM SHANKAR PANDEY)] [REF:[protected]]

---- Original Message ----
From: premshankar.[protected]@ext.icicibank.com
Sent: 09-Feb-2009 11:44:27
To: customer.[protected]@axisbank.com
Subject: [Fwd: S 2425 /S 2115 Disputed Transaction] (PREM SHANKAR PANDEY)]


Dear Sir,

Please find attached email receipt from [protected]@axisbank.com. My credit
card transaction has been already disputed and it's take 120 day to
resolved this dispute.
Today my account [protected] has been debited as Lien Balance with
Rs 2953.00 without informing me. Why ?
I am very disturb with your customer care services

Please let me know the reason ASAP

Prem Shankar Pandey
[protected], 42311452


----- Message from [protected]@axisbank.com on Fri, 19 Dec 2008 12:17:19 +[protected]
To:
premshankar.[protected]@ext.icicibank.com
Subject:
S 2425 /S 2115 Disputed Transaction] (PREM SHANKAR PANDEY)
Dear Mr. Pandey,
 
We apologize for the inconvenience caused to you.
 
We need to inform you that we have received the dispute form and actioned on December 16, 2008.
 
Further, we have arranged to initiate the dispute for the disputed transactions and the timeframe for the investigation is 120 working days.
 
For any further clarification, do write to us or call on our 24-Hour Customer Services helpline[protected]/[protected] (BSNL or MTNL landlines), we will be glad to assist you.
 
Thanks & Regards
Customer Service Desk
AXIS Bank - Credit Card Center
CRCD 01
-----premshankar.[protected]@ext.icicibank.com wrote: -----
To: [protected]@axisbank.com
From: prem <premshankar.[protected]@ext.icicibank.com>
Sent by: premshankar.[protected]@ext.icicibank.com
Date: 12/10/2008 02:29PM
cc: [protected]@yahoo.com
Subject: Re: S 2115 Disputed Transaction] (PREM SHANKAR PANDEY)

Dear Team,

I hope your confirmation email will not be delayed as I am waiting for that with lots of hope.

Thanks and Regards
Prem Shankar Pandey
[protected], [protected]

[protected]@axisbank.com wrote:
Dear Mr. Pandey,
 
We apologize for the inconvenience caused to you.
 
We wish to inform you that, we have escalated the matter to the concerned department and the needful will be done at the earliest.
 
We request you to allow us 07 working days to get back to you.
 
Your cooperation in the interim is highly appreciated.
 
For any further clarification, do write to us or call on our 24-Hour Customer Services helpline[protected]/[protected] (BSNL or MTNL landlines), we will be glad to assist you.
 
Thanks & Regards
Customer Service Desk
AXIS Bank - Credit Card Center
CRCD 01
-----premshankar.[protected]@ext.icicibank.com wrote: -----
To: nikunj.[protected]@axisbank.com, [protected]@axisbank.com
From: prem <premshankar.[protected]@ext.icicibank.com>
Sent by: premshankar.[protected]@ext.icicibank.com
Date: 12/05/2008 02:38PM
Subject: Disputed Transaction]

Dear Sir,

Myself Prem Shankar Pandey having credit card number [protected]. I am primary card holder had add on card with My Father name Mr. Ram Akbal Pandey. Any one person tried to do transaction of amount Rs 50, 000 from lucknow where Limit was only 20, 000 So that I receipt a call from AXIS Bank officer asking for confirmation. I told him that I am not using the card and ask to block the card.

After some days I receipt a credit card statement  period[protected] to[protected] with following Transaction Details
Trans Ref No.            Date               Place            &nb...⇄ Amount
24674250                    [protected]   big bazar lucknow            &...⇄ Rs 13850
24674259                    [protected]   Matrix Internation           &nb...⇄ Rs    450

Immediately I contacted to call center, They gave me a number of one of department which takes care of this type of disputes.
Mr. Rahul Mhatre Receipt the phone and after some time after verification  he asked me to give written letter  and committed that nothing will have to be paid. I forwarded letter to following venue

Rahul Mhatre
Axis bank limited
solaris c wing
5th floor
saki vihar road
opposite L&T gate number 6
andheri east Powai mumbai 72

Again one call come from recovery department and one of person visited to my home dated 5th December 08 again I called to call center they confirmed that no any document they receipted and ask me to sent the document again for dispute.

So the transaction is under dispute until it confirmed, request you to not send any person to my home and disturb us. Also request you to do needful ASAP.

Awaiting your prompt response

Thanks and Regards
Prem Shankar Pandey
[protected], [protected]




Your attachment, attm6aza.dat (; 0 bytes) can be downloaded at the following URL: http://10.16.18.155/attachment/01/store/2009/02/13/12/36/16028/attm6aza.datThe Attachments are there for 7 days only

***** AXIS BANK LTD *****


Account statement
________________________________________________________________________________...⇄

Statement Criteria
________________________________________________________________________________...⇄
Account Id : [protected]
Bank Id: 211
Branch Id: 00201

Date ranging from[protected] to[protected]

________________________________________________________________________________...⇄

Txn Date Description Debit Credit Cheque No. Balance
________________________________________________________________________________...⇄

[protected] Payment for Card::[protected] 6, 077.50 0.00
[protected] NEFT - PREM SHANKER PANDEY 3, 100.00 6, 077.50
[protected] CASH-ATM-PATANKAR PARK ATM/150209/10:45 3, 100.00 2, 977.50
[protected] CASH-ATM-PATANKAR PARK ATM/100209/16:56 12, 000.00 6, 077.50
[protected] ECS/IILECS-AXAINSURC#[protected]#4009134 6, 000.00 18, 077.50
[protected] BY CASH 20, 000.00 24, 077.50
[protected] BY CASH 4, 000.00 4, 077.50

________________________________________________________________________________...⇄

Note: The closing balance displayed includes the credit balance and overdraft limit (if any) in your account.
It excludes funds which are under clearing and amount marked lien, if any.
For any further clarifications, please contact the Branch.

I had taken a home loan with Axis Bank in them onth of June 2008. They have not given any communication regarding the disbursement nor the interest rate and EMi break ups. Even when we contract thorugh phone they dont pick up the call itself. While we directly go to the processing unit of the Bank, they are not properly responding and just like giving the break ups orally. Only on shouting, they take a printout of EMI statement and giving. I took the loan at 11.75 % but I'm not able to know my current interest rate. I dont know to whom i should lodge a compalaint. I prefer to change my loan from this bank to any nationalised bank. DO any body now the current interest rate of this bank and the process of shifting loan from this bank to any other bank?

Dear Sir/Madam,

It is to inform you that there is my salary account in Axis bank, Branch:-Sanjay palace, Agra (U.P.) My account no. is [protected]. I am related to Life insurance corporation of India (LIC). From It was told to us by your bank personal that it is a salary account & it can be operated at Rs. 0.00 balance. But amount has been deducted from my account because of consolidated charges. The deduction of Rs. 842/- (750+92) done on[protected] as a Consolidated charges. I had submitted an application in the bank above mentioned to rectify error or transaction. But no action has been taken and they say (bank employee) we can’t do nothing every process take from Bombay.

I do not receive bank statement at home and debit card after card expire.

I have also reminder to the operation Manager bank But no action has been taken.

Please do needful action for customer satisfaction.

Regards,

AMIT JAIN,
A/c No. :- [protected]

Mob no - [protected]

Permanent Address:-

Amit jain
20/ 97 peeli kothi begum deori
Agra - 3

pls, allow me a third party transfer through i.connect, i already give a letter in my branch for activation purpose, my a/c no [protected] (savings) kinly activate this as early as possible.

HI,

I got personal loan from Axis bank on 17th July-2008. While taking the loan, they said me tht they'll deduct the amount from Sep -2008 by ECS service. But the next month itself they started to deduct the EMI.

Generally when a person gets a loan, he will be given a welcome kit in which every details of Loan are mentioned. i.e. Loan Number, EMI amount, Balance Carried Forward etc.
Also a statement is dispatched to person's address after deduction of each EMI.

I haven't got anything as of now. At the time of loan application, they told me that they will send me everything. I called many times, even I sent the mail also. Since one week I'm trying to the Customere care. No one is coming on line.
Only 2 times I got the Line, even they didn't giv me the proper response. They were trying to escape, but they are not ready to service.
There is NO CUSTOMER SERVICE. Before taking the loan, they will agree whatever u ask(even its impossible also) . Once we get the loan, they are not ready to service which is possible.

Kindly resolve my problem.

Regards,
Manjula A.

My company have opened an account in Axis Bank one month ago in Jan 2009 and still I have not received my ATM DEBIT card PIN number.

Dear Sir,

Ref : My Home Loan Sanction Approval No. 142637 Dt.[protected]


With refer to my housing loan agreement No. PH[protected], with AXIS BANK, MALL ROAD, LUDHIANA

My housing loan was sanctioned on[protected] with interest rate being 2.75% less than the MRR as per my Power Home Sancton Letter . At that time bank MRR is 14.25% as per my sanction Housing loan documents Rate of interest charged to me is 11.5 % (14.25 %- 2.75 % ).
In Loan Sanction Letter it is clearly mention that
Interest rate type ==== Floating Rate Linked with Bank MRR .
At the time of disbursment bank provide me loan at 11.5% ( 14.25-2.75=11.5 %). At present bank MRR is reduced to 13.00 which means my interest should be 10.25 % (13.00 - 2.75 ), reduced to that extend . But bank have not reduce my interest rate till date.

When I contact your bank, You Bank simply reduce the interest rate from 11.5 % to 11.25 % ( just 0.25 % to make me happy ) whereas your MRR reduced by 1..25 % ( from 14.25 % to 12.5 %)
It the responsibility of the bank to reduce the interest rates charged if the MRR reduced . I feel that I was cheated by the AXIS BANK LTD .

My mobile No. is [protected] My email address is [protected]@yahoo.com

Hi All,

This is Anshul staying in Baner, Pune. I have a Axis Bank Debit Card.
On 1st Feb'09 Sunday, I forgot my Debit Card in the Baner, Pune ATM after my Rs 500 Transactions. Then, I realized at 10:00 PM same day that I have forgot card in ATM machine and instantly I blocked the card.
Next day, when I went to Bank they told me that my account has been debited with Rs 10, 000 on Sunday 1st Feb between the time card was left in ATM and till I blocked it.
Transactions were :
500 and 4500 around 1 - 1:30 PM & 3000 and 2500 around 8 - 8:30 PM on Sunday itself.
From the Account statement, somebody has used the card on Sangoi Service station( Petrol Pump - Opp Rahul Theater, Sivaji Nagar, Pune) 4 times on Sunday.

1) 500 and 2) 4500 around 1 - 1:30 PM & 3) 3000 and 4) 2500 around 8 - 8:30 PM on Sunday itself.

Then, I went to Sangoi Service and got 3 purchase card slips of 500, 4500 and 3000.

After talking to Petrol pump owner I got that all the 3 slips were signed with " different signatures other than on card" and the owner doesn't keep the bills copy stating which vehicle has used it.

Then, I filed an FIR with Aundh, Pune Police Station - Till today no updates from Police.

Apart from this, Axis Bank team told me that they are not liable for loss as these un authorized transactions werwe done at Petrol Pump and as per laws he should have verified the signatures and kept a bill copy with vehicle number.
But, Axis Bank has been cooperative that they asked me to fill an complaint application against which they may try to reclaim 10000 money with insurance done on my card.

But, I would like focus that how normal retail people are careless :
1) they don't check signatures on card
2) Being a big Petrol pump they don't keep copies of bill . Also, Petrol owner said why should they keep bills as they do a lot of transactions and its unnecessary.

I accept initially it was my fault for forgetting the card. But, I plea to Indian goveenment that what can be done in my case.

Finally, please guide me is it possible that I can deny to these un authorized transactions, as on card purchase slips the signatures were not mine and too not checked .

Regards,
Anshul
[protected]