Axis Bank Complaints & Reviews

Its really very pathetic experience I have faced with the AXIS Bank credit card service.

From the month i have taken this card I have been calling up the call center for one or the other reason as soon as I get my monthly statement.

To my surprise in the first month I found that there was a joining fees that was levid on my card (as it was communicated to me that it will not be charged)

After some days I got the message that the amount has been paid( I was not aware who paid the amount)

When I received my Axis Bank Savings Bank statement I came to know that the amount was deducted without my knowledge. When I conatcted your customer service they said my axis bank account is linked to my credit card and auto debit facility is activated.(I never opted for the same).
I requested to calcell the same. They said as it was too late they cannot stop the auto debit for the coming bill but will cancell from the next bill onwards.
I said OK and asked them to take out my bill amount from my bank for that month. Being under the impression that the amount will be automatically deducted from the bank I did not pay the bill.

But again to my shock I got a message after the due date that my credit card bill is due and I need to make the payment. I called up the call center again and they nicely told me that as my auto debit facility was cancelled I had to make the payment. (I was asked to do VISA transfer for which I spent Rs 25 more)

I had explained the whole thing and told him that I should not be charged with any late payment charges and he said ok.

But I received my card statement I saw that not only the late payment charges were levid but also the interest for the period were levid, which aounted for Rs603. Almost 4 months passed every month I call up but no response.
I lost my money, my time in calling and following up for something which never happened

For last 24 days or so, we have been requesting an Axis Bank Representative (Mr. Deepak Sharma, Merchant Services, North Zonal office) to sort out a matter for us. We have been calling non-stop and writing reminder mails and we are just being harassed without any concrete action or advice. Every time we call we’re just asked to wait for 2 more days.

At a merchant outlet in Gurgaon (Charming, Ambience Mall Gurgaon) where Axis Bank has installed their Credit card machine, my wife’s Citibank debit card got swiped thrice for an amount of Rs 8475.00 and every time it showed that the transaction is invalid. On the contrary, the purchase amount has been debited from my account thrice, over and above an already valid transaction of Rs. 8475 which I paid using my second card. Deepak Sharma was informed of this and he asked us to submit a confirmation letter.

On 11th August 2008, I e-mailed to Mr. Deepak Sharma, Merchant Services, North Zonal office, Axis Bank, a scanned copy of the letter issued to me by Citibank validating the 3 transactions of Rs. 8475.00 each and providing the trace numbers of the transactions. Also Citibank’s monthly bank statement issued to us for the month of July 2008, again confirms the 3 transactions where the amount has been credited to Charming Gurgaon (merchant outlet).

Though Deepak Sharma mentioned that these transactions are not valid but if he is so confident of this, we requested him to issue us a ‘No Encashment’ letter confirming that these transactions are not valid. Either Axis Bank bank should issue us this letter so that I can go ahead and take legal action against Citibank for making wrong claims or your bank should reimburse our money (an amount of Rs. 25425, for 3 transactions of Rs 8475 each).

It's extremely frustrating as I'm chasing people blindly and wasting my time and money. I am hoping that you’ll look into the matter and get this sorted out. Please also suggest if I need to approach this situation legally.

Axis Bank Representative we have been talking to
Deepak Sharma
Merchant Services / North Zonal Office
[protected] / Deepak.[protected]@axisbank.com'

Merchant Outlet
CG Retail (Outlet name – Charming),
Shop No. 108, First Floor, Ambience Mall, National Highway – 08,
Gurgaon, Haryana


Regards,

Neeraj Ghai

dear sir i subai das my card no:[protected]. sir from last two months i dint got my statement, so my request is that please send me my statement via e-mail, that my e-mail addres is [protected]@yahoo.com. thanking you.

Respected Sir, I have made a Fixed Deposite of Rs. 75000/-(Rs. Seventy Five Thousands Only) from Mall Road, Kanpur Branch and at that time Executive had said that for a senior citizen there is a 1% extra benefit in fixed Deposite account. As it is clear that for a normal candidate the rate of interest for geater than one year and less than two year is 9.5% So in this way the rate of interest for a senior citizen should be 10.5%, but I am sorry to inform you that executive have given me only 10.25%.
which makes problem to me.
My. fixed deposite account number is [protected] Name : Smt Vidyawati
Jt. Holder : Sumedha sachan
Address : 781 -Y1 Bye Pass Road, Kidwai NAgar, Kanpur. Amount Rate Date of Issue Meturity Date Met.Amount
75000.00 10.25% 06/08/2008 07/08/[protected].00
The above Met.amount should be Rs. 83190.00 if the rate of interest is 10.5%.Kindly go through my problem and convey my message to the Kanpur Branch.
I wll be highly oblidged.
Thanking You
(Smt. Vidyawati )

Dear AXIS Bank Customer Service

On 16/08/08 in the evening my credit card was declined. When I called your call-center agent I was told that due to security reasons the same have been blocked. I was also told the reason being automatic blocking by system as it permits 14 swipes per day. The fact is that I had done only 5-6 transaction that day.

Yesterday (19/08/08) the above episode gets repeated after making 5 transactions. The facility to talk to your customer service agent was also not available at around 5 p.m. in the evening.

During both the days I had to stop marketing. I find the AXIS bank card totally unreliable. What is the utility of the card If I can't use the same when I need it. What if my situation was emergency in nature.

1. May I know what is the system.
2. Why I was not told about such security system.
3. Before blocking the card why can't the system take my consent over call/SMS or alert.
4. Is there any system where I can unblock the card immediately or tell the system not to block.


Regards,
Joydip Shome

I have a Savings Bank Account (No. [protected]) with Axis Bank at Jajpur Road Branch [MICR Code:[protected]], Jajpur Road - 755019; ORISSA. This is online connected as I have been transferred to KOLKATA recently. Every fortnightly I am checking my balance. On[protected] when I have checked my account, it was found that on 21st July'2008 there were two Internet transactions bearing Transaction Nos. ICONN/4983346/[protected]/210708/120 & ICONN/4983247/[protected]/200708/120 of Rs. 22, 000.00 & Rs. 50, 000.00 to an unknown account. This is totally fraud and I don't know about this transactions. Never I have leaked my password to anybody and never I have replied any fraud Mails. Also I have never done any Internet Transactions through my account.But, the Bank is trying to blame on me. One thing to note that, on 8th August '2008 when I, ve checked my Account then the message appears that "I've last logged in on ____ June '2008", but I've forgotton to take a print of that. Now I can't take a print out as the Bank has already closed my online transaction. My point is that on 21st July '2008 when the incident occured before that I've logged-in my account and on 21st July '2008 I've not logged-in.
This is shear proof of serious security system failure of on-line transaction of Axis Bank. When I've enquired one personnel of that Bank, I got the news that one Sanjeev Kumar Garg has transfered this amount to his HDFC, Khurja Branch.

In this regard I want to know what I' ve to do now to reimburse the amount to my account as soon as possible. I've already send mail to the Bank & get a answer. Also an written application has been received by Axis Bank, Kolkata Branch.

Please help me/suggest me what I've to do now ?


Thanking you and hoping you to take action immediately.

Dear All,

Beware from AXIS BANK fixed deposit scheme. They have set the iConnect net banking so as that whenever you make a request for on-line Fixed deposit account they simply forfeit your money by displaying the "REINVESTMENT" option after completion of transaction, however there is no any option in there Fixed Deposit request page. I am a pray of this behavior. I call the bank for clarification by nobody picks up the phone.

At last but not least. Withdraw all your net facility from iConnect or if you want to use it, than only use basic services only.

Regards,
[protected]

I am not using any account from Axis bank, but I am recvng mails and mesaages from bank telling my internet bank authorisation is voileted, I am trying to call customer care, the dirty customer care service the number is always busy,

worst customer care and bank,

I am getting confuse who is using my account, I never made any transaction, I think the bankers are cheating us, I don't know to whom I have to contact, Some body can help me Please...

One year back I took a silver plus credit card from axis bank. Then went on for purchase, for rs 6000 for office purpose. I had been paying my minimum balance till this year april 2008. I had to change my address due to personal reason. I called them up to get it updated and give my statements in my new address. None of them even bothered to update now it is August 2008 my statement is still pending.

The real issue does not end here. For them it is just a statement. Now the interest and intersest plus late payment .. then interest plus latepayment exceeding credit limit that fees all togather has piled up. I was asked by my office to produce the statement of card so that they could pay me and settle the issue. Now I call them again. I have not recieved the address update, nor the statement. Company is refusing me to pay the money without statemnet. NOT BUT NOT LEAST, THE ENTIRE OUTSTANDING IS LEINED ON MY ACCOUNT, WITHOUT ANY INTIMATION. It was their mistake not to give the statement .. and here comes the last issue.. the entire amount is 13000 and my salary is 10000.. i could not take a single pie of my salary out because of their negligence.

Could someone suggest wat to do.. this happens in axis bank, bangalore.

**** *THIS LETTER HAS ALREADY BEEN FORWARDED TO AXIS BANK HIGHER AUTHORITY'S COMPLAINT DEPARTMENT*****
DATED: 07/08/2008
Sub: Complaint regarding fake notes and very insulting behaviour

Respected Sir,
This is reference to the very insulting behaviour for the side of AXIS BANK, Branch - 25B, Ashok Marg, Sikander Bagh Chauraha, Lucknow -226001. We do have our current account in your bank in the name of Eves Tours & Travels Private Limited (IATA Agent) A/c No. [protected] with the yearly transaction in crores and other recently opened accounts in your bank in the name of Royal Holidays and Travel Lines. We have make the withdrawl of Rs. 80, 000/- and the denominations of note given by the bank was 60 notes of thousand and 200 notes of hundred. And the same cash we have taken to the HDFC bank to get it deposited there, and there the cashier has found four fake notes of thousand (Rs. 4000/-) and has crossed all the notes with the marker, he has then asked us to wait aside till the time rest 56 notes are not completely verified by the cashier and they have also asked us to meet the higher authorities of the HDFC Bank regarding this matter and we were left with the very embracing position everybody there was looking at us.

Then we have ran to the AXIS Bank immediately regarding this matter and from there we have got a very stupid response from the regional manager present there Mr. Sushant Das when we have narrated him the whole incident and has shown him the fake notes given by the bank cashier, he simply replied that he can’t do any thing in this matter and please do talk to the cashier present there. The cashier there was some lady she said that she has given us the checked note but that was not so, she has simply counted the notes and handed over the notes to us and at last she completely denied that she has not given us those fake notes. We having good faith on the bank has simply counted the notes and went to HDFC bank to get it deposited there. The regional manager present in the AXIS Bank (Mr. Sushant Das) convinced us that it is regular activity with the bank and the client has to bear the same, he has given a very absurd answer that all these collection of fake notes is the gift from our neighbour by countries. And we have not got any satisfactory response from the manager. Due to your banking staff negligence today the counting was 4000/- but tomorrow it can be 40000/- also. Such response from the banking staff is simply making the bank to loose its goodwill n good faith and nothing else.

So, in this matter we just want you to take some severe action by making the arrangements of fake note detector in your bank branch office, so that this may not happen with our client in future who like to be attached with our bank for the life long and also we may not get insulted or have to feel embrace in front of anybody.
For Eves Tours & Travels (P) Ltd.
Gayatri Khanna
(Director)
Contact Details :- K.C. SINGH (Manager Accts. & Operations)
MOB. No. [protected]
EVES TOURS & TRAVELS PVT.LTD
Saran Chambers -1,
5 Park Road, Lucknow.
[protected] // 2237668 // 3013668

I do not got any bill statement from last 4 months . and any bill clarification . so i can't understood the bill for which bank charged to me. this is very discusting . the bill due date was send me on mobile by sms, before 1 day only from due date. is this service provided by bank ?



regards
SATISH BHOSALE

02.08.08

Dear Sir

Sub: Decline - Credit Card Application

Re: # 1460908 VISA GOLD CARD

With reference to above subject, I want to state facts as under,

1. AXISBANK credit card sales representative had made numerous calls to me to apply for AXIS BANK CREDIT CARD. He had collected all the required documents and satisfied himself by personally visiting our Residence & Office confirming addresses mentioned in Documents submitted for application.
2. No signature on Application form given by me
3. Provisional Application number was not given to me. Neither was I informed about application process & Decline Policy.
4. On 18.07.08 at 19.23 I received a SMS from AXISBANK stating “ Your Credit card application for Visa Gold Plus with ref # 1460908 has been declined. We hope to serve you in future”. Above referred number is inferred from this SMS.
5. To understand why the application was Declined, I called at AXISBANK call centre where I had spoken to attendant & subsequently with Mr. Mayur Joshi (FLOOR Supervisor). He explained me that, a letter stating reasons for rejections will be received by me within 20 days. TILL DATE I HAVEN’T received any correspondence from your Bank.

Now, as I am quite disturbed with this,

1. I request you to inform me the reasons for decline in detail and in writing and supporting evidence of the same to the extent possible.
2. Why decline policy are not communicated to us at time of application? Why the same is not available on your website. ?
3. What are the procedures followed when a decline takes place and what is the procedure followed to communicate it to applicant?
4. In event of not satisfied with the reasons mentioned by you, whom should I meet to discuss my grievance?

I request you to do the needful and extend your cooperation for above mentioned points.

Regards.


Rushikesh J Zatakia

i have accidentally locked my SBI debit card while withdrawing money from the AXIS bank atm, Uday Park, DDA market ob[protected] at 20:25. my record no. is 3801. my card no is[protected]. i went to AXIS bank, Hauz khas branch to submit my complaint. they told me that in these cases they destroyed the debit card. i contacted SBI, the concerned person told me, who have given them the authority to destroy customer's ATM Card. now i am helpless, i am in a big trouble, because my SBI account is in JORHAT A.A.U branch, assam and i stay in New Delhi.
please help me out.

Dear sir

This is to inform you that i have a EDC machine of AXIS bank ltd.
and a current account also. my c/a no. is [protected]
I made a transaction of rs. 7000.00 in AXIS EDC machine that time machine approved that transaction. Same day i closed the batch. But next day i found some short payment credited in my account it was 5831.00. I contact to bank immediately but there was no satisfactory reply from there side. I called there call center many times but they didnt do any thing. despite of many reminders and call they did not reply me and didnt credited my short payment to me. I called Mr. Raj Goswami Ms. Neetu Verma Ms meenakshi Mr. Vijay They assured me but didnt do any thing

with regards
VIPIN AGGRAWAL
c/a no. [protected]
EDC machine model Murit 8320
MID [protected]
TID 12312818

I HAVE NOT RECD THE CREDIT CARD FROM AXIS BANK, I HAD APPLIED 2 MONTHS BEFORE, IF IT IS REJECTED KINDLY PROIVDE BACK MY ALL DOCUMENT LIKE PAN CARD XEROX, RATION CARD XEROX, SALARY SLIP ETC. YOU HAVE NO RIGHTS TO KEEP THE DOCUMENTS WITH YOU IF APPLICATION IS REJECTED ...!!!

As ususal i also got a credit card against my sb account in Axis bank, which doesnt have a proper customer care call center, to get a customer care executive online is a full day task. few days before i got a call from Bajaj Alliance for some Insurance policy for this axis card holders, i agreed for the policy, from that date onwards amount is being credited to bajaj alliance from my credit card, i have not received any policy doccuments, nor i am getting proper informations about the same from Axis bank credit card department or from Bajaj Alliance inspite of lodging complaints on and off.

I really dont know how to go about it, dear frineds dont think of taking bajaj alliance policy tru axis bank or any other banks credit card.

Dear Sir,

i am having an axis bank card. no.[protected].i wanted to cancel the card so i called up them to cancel the card.they assured me but till now the card has not been cancelled and the total outstanding Bal.is 1212.40(incusive of All Late Payment Charges, Service Tax, Annual Fees).

Regarding this i had complained Several times(Reuest no.241283 on 6/5/8, and online request on 8/7/08 at 2.55 p.m)but it unsolved till date.Suddenly i received a letter from Credit Card Department that they will recover the amount from my Bank Accounts.

So pls help me what to do further?

It is regarding Less tailoring from Sec 17 ATM Branch in Gurgaon. I had withdrawal 25000 Rs on 03/07/08 11:15 from ATM ID :-S1AC05612 But only 24500 Rs has been withdrawal from ATM . I had approached to Security guard & he said it is due to less amount in ATM & he suggested me to approach nearest Branch in Gurgaon with Written Application .I had also noted down complaint in ATM complaint Register.

I had submitted the same written application to Gurgaon SCO-29, Sector-14, Near HUDA Office, Old Delhi-Gurgaon Road, Gurgaon Branch to Operation manager & Branch assured me that amount will be credited after 48hrs in my a/c But still nothing has been credited in my A/c .

HI I AM USING AXIS BANK CREDIT CARD FROM LAST FEB AT THE TIME APPLYING MY CREDIT CARD THEY TOLD ITS A LIFE TIME CREDIT CARD BUT IN A FIRST STATMENT THEY SEND A ANNUAL FEES AND JOINING FEE AND I MADE A COMPLAINT IN A CUSTOMER FOR MANY TIMES THEY TOLD THAT THE REVERSE THAT AMOUNT BUT STILL NOW THEY DID'T REVERSE THE AMOUNT THEY PUTING INTEREST FOR THAT AMOUNT SO THIS IS A BAD EXPERIENCE FOR ME WITH AXIS CREDIT CARDS
MY CARD NO IS [protected]

I had applied for a personal loan on 3rd of july 08. Axionfinancial people approched me and they initiated the process. They had promised me within 12th july i will get the loan amount deposited to my citibank account. As per thier promise everything went very smoothly and I got sanction letter on 8th July 08. (Approval No. Axis Bank/(LNPPG/LNPPD)/117253-AXION-07-180/RAC (location)07-08 July 8 2008).I submitted EMI cheque and security cheques upon recieving the sanction letter. Today is 19th July 2008 I still not recieved the loan amount.
If I call the executives of Axion Financial on [protected] Mr. Martin told me DD has been deposited to my account on 17th of July. Again I confirmed with citibank they confirmed me DD is not yet deposited. Again I called Axion Financial, Mrs. Gracia told me DD has been deposited on 16th of July itself. Again I called Axion Financial Mrs. Nancy told DD has been deposited to my account on 15th July 2008.!! If this is the case Where is the money?
I am not getting proper response from any one.