Axis Bank Credit Card — threatening calls received after the closure of the card in 2010 | |
Respected Sir, I am Robert John. My mobile number is [protected]. Also I am using a JIO number because of network issues. Long back in the year 2009 I had used a credit card from the Axis bank. Also I settled and closed the account in 2010 with all the other cards (SBI, HDFC, HSBC, Axis, ICICI) I was using. I suppose in the year 2013 (from my memory) I had someone call from the Axis bank regarding the non payment of the dues for which I had duly furnished the closure letter with that person stating that nothing is outstanding in between myself and the bank. I felt a sigh of relief after that and forgot it for once and all. Relieved for a couple of years someone from the Axis bank again called up a couple of times in 2017 and inquired about the same. With oral verification over the phone he never called me back. Now it again started. At the end of last month (October 2019) someone called up again from the Axis bank. He told me that I have applied for a loan (which i never did) and he said that my ratings are at low because of the pending of the closure of Axis card. I have again informed him that I have no payment pending regarding this. But this time these guys from the Axis bank now have called up my relatives (I wonder from where they got all these numbers) and have threatened them stating that I have given their number for collecting the due or to give them my details. Also they have said that I have given their number as reference for my credit card account. Many of my relatives are perplexed and informed me about this trouble that they are going through. And some of such my relatives have become my family after May 2011 from my marriage. How could this be possible? Today (13 November 2019) at around 2.59 pm someone called me from the Axis Bank. The caller called me from [protected] (screenshot attached) and never gave his name. I wanted to tell him the details of what i have done so far with the Axis bank. But he cut the call abruptly before i finished my reply. He was very rude, and i had to reply him in the same manner. He was not interested to hear me. All he wanted was myself to be present in his office. After this by 4 pm he has called one of my Auntie again and threatened her verbally demanding my details. Later my wife informed me that someone from the Axis bank has called her up multiple times from different numbers during the day while she was in her office. She should not attend any calls while in office. The following numbers are from which she had received the calls [protected], [protected], [protected], [protected], [protected], [protected], [protected], [protected] (screenshot attached). All these numbers are marked as spam over hundreds of times. Sir, after the year 2010 Chennai has gone through at least 3 worst floods. I have presented the document details earlier as I have mentioned above. After 2014 I had gone through some job shifts. Also I have changed my location accordingly to the necessity. I have gone through all such floods and have got many of my documents destroyed during the floods and due to shifting of my residences. Some of my educational certificates were too lost during this time. Anyways I am living at peace with all my dues paid by 2010 for every single card I was using. No credit cards are used by me at present. I thought the head ache was over. But now and then I get such calls from this Axis bank every couple of years regarding this. These guys have updated every single details of my relatives numbers and every details. But why have they not updated that I have settled the account? These guys have never informed me the pending amount all through these years but they want me to come to their office to settle it down. And why this happens every once in a couple of years they remember to trouble me like this? Why do they want to harass my relatives like this? Will I find a solution for this? Please kindly help. Thank you very much. Regards Robert John Was this information helpful? | |
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Axis Bank customer support has been notified about the posted complaint. Nov 13, 2019 Updated by Robie I have already posted a complaint regarding this in 17 June 2019 and they have closed it as resolved. The link below: https://www.consumercomplaints.in/axis-bank-closed-card-but-still-receiving-threat-c1603978 Nov 14, 2019 Updated by Robie This is regarding the update on yesterday's complaint made by me. Very thanks to the team of consumer complaints forum for helping this far.This morning (14 Nov 2019) by 10:55 am got a call from the same person from [protected] (screenshot attached). His name is Mr.Saravanan. Again he was rude and made me stressed. The same old stories were fumingly retold. He asked me whether I am trying to threaten him by asking his name. He never told me the amount and all he wanted was to present myself in his office. Just to end the irritating conversation I agreed to be available at his office. When asked about his office address he seemed to hesitate and told me in bits and pieces. Address as he had stated: 'Kodambakkam', then opposite to Meenakshi college, finally Axis bank. He wanted me there by tomorrow - 15 November 2019 as the office will remain closed for saturday. The call ended. Later in the evening at 5.20 pm (screenshot attached) I got a call from [protected]. He called me twice and I attended his 3rd call as I was driving back home. He introduced himself as some Mr.Sarwanth? from Axis bank. I couldn't get his name properly as i was in traffic. He spoke to me in english and was very gentle. He said that I have paid all my dues in 2010 and my claim is true. He said that the company has no issues regarding the closure of the account. He apologized me for what I am going through. He promised that I will receive no more calls from the agents and none of my relatives will be in trouble anymore. (Thank you Sir.) But then he gave me the soul shocking news. He said that the amount now they are claiming has occurred as the membership fee from the date of card issuance till its expiry date in 2017. It has come up to around twenty one thousand. Now they have slashed of the interest over the principle membership fee. So I was asked to agree to pay Rs 7538/- immediately to close the account from the Axis bank forever. Or I may get such calls again in future for non remittance of this discounted amount. If I pay everything will be over from now on. I told him that I was never informed that there will be a continuance of membership fee till the expiry date of the card even if the due amounts are paid and the account closed. I was perplexed to know this now. Although he was very gentle in his words he was never intending to give me time to think or consult. All he was expecting me was to say 'yes' for the amount he mentioned (Rs 7538/-) and pay immediately. We ended up nowhere when I told him that I will call him tomorrow about this matter. Now what should I do? 1. Why should I pay the membership fee for an closed account? Mr.Sarwanth who called me informed me that I have no dues since 2010 and their system had been updated of the same. 2. Why no one has informed me at the earliest since I took the card or at least at the time of closure of the account? 3. If there was a membership fee that I was supposed to pay even after closing the account, why did they accepted when I updated them with their closure letter and promised that the case has been closed? They could have informed me at least by that time and the charges would have been more affordable for me. 4. Why no one from the beginning never informed me (from 2013 till this evening call) that the pending amount was for the membership fee, but insisted that it was the pending EMI (although I have paid every single rupee through settlement)? 5. Was it to accumulate the charges to higher amount and to extract the same? Cos I know how they were after me when I skipped their payment once in a while earlier when I was using their card. 6. Is it legal to charge membership fee on my closed account and has been not used since 2010? I have not gained anything out of such membership except for all the stress I have gone through. Please kindly help me as I don't know how to end this... Thanking you Regards Robert John  Verified Support Nov 15, 2019 Axis Bank Customer Care's response Hi, we are here to help! Please share your registered contact details, and we will get back to you at the earliest. Also, please note, as part of the resolution process, our executives will never ask you to initiate any financial transaction or download any app or part with confidential account-related information. Please refrain from doing so and report such incidents immediately. Regards, Team Axis Bank.
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