Axis Bank — ecs missed due to signature miss match - collection team torcher

Address:

Chennai, Tamil Nadu, 600113

Hi Team,

This is with reference to the loan “Account Number – PPR[protected] “ that I taken under the customer id “[protected]”.

I have taken a PL from Axis Bank during the month of Dec 2018. My first 1st EMI was auto debited for the month of Jan 2019. For the month of Feb 2019 the EMI was not debited from my account, I thought the delay is from the bank side and it might happen in someday. Till date I am having the enough fund in my account.

On 7th Feb 2019 I got a call from the collection team and says that ECS did not happen. Also, he says that it will take 45 bank working days to activate the ECS process. He also says that if I required he will arrange a person to collect the cash. I told him that I will not give cash to an unknown person and requested him to send a mail from the Axis bank email id with all the things that he had mentioned me over phone. Meanwhile he also gave the loan account number, I have registered the same in my Hdfc account. I didn’t do the NEFT payment because I don’t have hard copy or soft copy of my loan account with me to verify the same.

Next day again I get a call from another executive from the collection team and again the same story started. Post which I called to the customer care number and found out the reason on why the ECS did happen, they said that because of signature miss-match the ECS did not happen. I got the entire information from them to sort out this issue, and I told to them that I will visit the bank on Monday (11 Feb 2019) and do the necessary things.

Also, I got the loan account number and other details which related to my loan. I have cross checked the amount that I got the collection with the details that I got from the customer support team, post verifying the same I have initiated the NEFT payment, but then the transaction was not success. I got a message saying that the amount has been returned with the reject reason as Account Does Not Exist.

Again on Saturday I got a call from the collection team and I have explained the entire things to them.

In spite of doing all these things again I got a call from the collection on Sunday as well. Is this legally correct to disturb the customer on Sunday also! Again I explain to the person who called me on Sunday also.

Monday I went to bank and did all necessary changes, while I was in the bank I got a call from the collection department. I told to them that I am in Axis bank to solve this issue, also I told that I have given cheque and shared the SR number as well.

Even after that I got a call on Monday afternoon. This is totally bad, I told the entire story to the executive and she said that she will update in their record and assured that I will not get call further.

On top of everything thing I received call from the collection team on Tuesday (12th Feb 2019) also. Post which I called to customer care and told the entire story, they says that it will take 7 working days for the payment to get reflect till then I will get a call from the collection department.

Yesterday also I received call from the collection team.

Do you people think that if some takes loan from the bank is your slaves. You can torcher the customer like anything.

I have lot more to type but I don’t want to increase my BP by recalling all stupid things that was done the collection team.

BTW, I am not a fraud to not repay my loan. You should profile the customer and act accordingly.

Regards,
Sathish