[Resolved]  Axis Bank — Doing damage to my credit history

Address:

Hyderabad, Andhra Pradesh

I have taken loan from Axis bank and closed way back in the year 2008 as per the banks norms but because of shortfall of Rs.3, 848 they have cancelled my settlement and taken entire amount as emi's. Interest and all it has arrived a figure of Rs.3, 41, 000+. I have approached the bank to consider the facts and close the account but efforts gone in vain. Then I have approached honorable banking ombudsman. The BO is kind enough and he has registered a complaint bearing C No. 1142/2012-13 [C- No [protected]] conducted a hearing meeting with Axis Bank. Wherein the BO demanded the bank officials to close the issue at once. They have asked one week time and intimated me to pay Rs.40, 000+ which is not correct. Although I have approached one more time and re-settled the settlement for Rs.10, 000 and paid the same on last year[protected] and requested them to give a no due certificate and also inform the CIBIL that my account was closed. But so far they have not done anything. I am regularly following with them but they are not giving a letter or nor informing to CIBIL. Whenever I apporach the bank simple they will say within two days problem will be solved. I have approached the honorable BO again on[protected] through mail [I have enclosed below to this complaint]. Then the nodal officer of axis bank has called and informed that my account was broken settlement. I have clearly intimated that in 2008 I have settled and I agree that was broken settlement as I have paid less of Rs.3, 000 or so. But in last year, as per agreement, I have settled by paying Rs.10, 000 for full and final settlement as per the bank's request. Now they are intentionally not closing my account and not informing the same to CIBIL only because I have given complaint to BO. I have requested them day by day but efforts gone in vain. I have asked them to send a letter or mail that my account is closed. The nodal officer has sent me a mail that my account was broken settlement and required some time to process. Already it's been one and half year that I have paid the final amount. I have settled this account for 2 times although I don't have any mistake. While taking the amount of Rs.10, 000 as full and fianl they promised that I will get closing letter in the month of April 2013 by mail or by courier. They have not sent any mail or courier. I am approaching them regulary but they are taking it very lightly. Hence I am writing this complaint. I request your goodself to look into the matter seriously and take action against the Axis Bank and theier officials including managing director of the axis bank for the damage they are doing to me for the last one and half year. I will also calim the compensation for unncessarily troubling me. So, Please do the justice to me. Thanks &amp; regards Venugopal Cheela ___________________________________________________________ The complaint given on[protected] To All the concerned Ref: BO (H) C No. 1142/2012-13 [C- No [protected], Shri Venu Gopal Cheela v/s Axis Bank] Loan Account No.PP[protected] As per our understanding and conciliation meeting with Banking Ombudsman, I have settled the loan account no.PP[protected] in last year on[protected] itself. As told by your bank officials I have to get the no due certificate in April 2013 which is not received by me so far. Even the bank has not informed to CIBIL that my account was closed. In the CIBIL my account has overdue balance of Rs.3, 31, 480 and my last payment date is[protected]. Where as the bank reported this information to CIBIL on[protected] whereas my account is closed on[protected]. What I am feeling is the bank wantedly not informing to CIBIL and don't want issue no due certificate. The bank has intimated my information to CIBIL on[protected] exactly one year after my payment that too mentioning my last paid amount is[protected] is nothing but cheating. As per recent discussion had with Mr Hitesh on[protected], I have approached the bank officials through my cousin, I am shocked when my cousin met and discussed the bank officials. So far in their data my account was not closed. After showing the receipts and closing letter they have realized and informed that the bank has done mistake that they have not initiated closing procedure against my loan account. They have asked and taken the copies closing letter and receipt which I paid, by saying we will forward the same to regional office for closing of your account. I have to get no due certificate by this month but I have not received no due certificate so far and not informed to CIBIL that my account closed. Hence, I request all your goodselves to look into matter and do the needful at the earliest. Otherwise, I will approach Consumer Courts, Human Right Commission, Legal action with defamation case for affecting my credit report from last one and half year. Complaint given to: dvn.[protected]@axisbank.com, nodal.[protected]@axisbank.com, ranjit.[protected]@axisbank.com [protected]@rbi.org.in, CIBIL <[protected]@cibil.com>