[Resolved]  Axis Bank — Harassment over Phone

Address:

Mumbai City, Maharashtra

Hi, This is to inform you that myself (Chinmaya Mohanty) ia a co-applicant with my wife (Nivedita Mohanty) for our Axis Bank Home Loan Account No. - [protected]. We have availed this home loan in January 2007 for our Bhubaneswar flat but now we are leaving in Mumbai.Till last year I used to submit EMI cheques at the home loan branch and we have never been a defaulter even for a single EMI. I have approached Axis Bank for Electronic Clearing Service (ECS - Debit Clearing) of my EMI from my ICICI Bank account in May`2013. I have contacted Telematrix Consultants Pvt. Ltd, A-1, 418 & 418 A, Shah and Nehar Industrial Estate, S.J. Marg, Near Lower Parel Station, Lower parel(West), Mumbai- 400013 for the same. I have received required forms through mail from axis.[protected]@telematrix.in and was in regular touch with Ms Rashmi for the same. After filling up the ECS form and getting it verified from Ms Rashmi over phone as well as mail, I have couriered the form to Telematrix as per address mentioned above on 23rd May`13.Then I have waited for 3 months since I was told that ECS will automatically get activated within 45- 60 days time, but since I did not get any response I have again followed up for the same with Telematrix in August`13.Initially they did not respond to me and confirmed me repeatedly that my ECS is already active whereas my EMI never got debited from my ICICI Bank account and in the mean while some representatives used to collect my EMI cheques every month from my BKC, Mumbai office. After repeated follow up(I have called almost 15 times within 15 days to Telematrix to understand reason for non activation of my ECS in Aug`13), they informed that I have mentioned wrong presentation cycle in my earlier form which was also verified by them before submission. So I have again submitted corrected ECS form once on 5th Sept`13 and again corrected and send on 11th Sept`13. This time I was 100% sure that my ECS will be active by latest Dec`13 but still my EMI amount was not getting debited from my ICICI Bank for which I have to deposit my EMI through net banking(NEFT). I have repeated (at least 5 times) informed this issue to Axis bank customer care phone banking executives and every time they have told me that your ECS is already active so you need not to worry and during the same time I used to get calls from Collection Dept for depositing my EMI amount. This is continuously happening from November`13 onwards. I was so much confused and angry over this issue that I have visited Axis Bank Ltd. Asset Sales Centre at S.V. Road, Goregaon on 11th Jan`14 for clarity. I have met Ms ARPANA DUBEY at Goregain branch and she also confirmed that my ECS is already active. She also shown me my Home Loan statement where it was clearly mentioned that my ECS is active since Oct`13 and she assured me that there will not be any issue in future. She also confirmed me that I do not have any pending EMI and have an additional EMI which will be adjusted from Principal amount. After that again from 20th Jan`14 onwards I have started getting phone calls almost every day from collection depa rtment stating that I have pending EMI, which was very much disturbing to me. Then I have decided to complain to District or State Consumer Forum for this type of approach/harassment from Axis Bank but again I thought let`s give a final try by visiting Axis Bank Asset Sales Cnetre at Goregaon and meeting Ms ARPANA again. I have once again visited Axis Bank Asset Centre, S.V. Road, Goregaon on 3rd Feb`14 although my past experienc e at the same branch was horrible ( I had to wait for 3 hrs to meet Mr Arpana) to clarify all my issues. This time Ms Arpana herself was confused and she tried to connect to some of her colleagues over phone but it was of no use. Then I waited in the branch for more than 3 hours again after which at last got an assurance from Ms Arpana that everything is fine now and she will personally take care of my case. Now I do not understand whom to approach for this issue since post my meeting on 3rd Feb`14, I am again getting calls from collection centre 3-4 times everyday for my outstanding of OCT`13 EMI. I am unable to understand how AXIS BANK is getting managed if they are unable to sort out my simple issue and instead giving me so much of mental torture. I have already got 2 phone calls today also for same pending OCT`13 EMI and during every call I spend at least 15-20 minutes to make the person understand all the story. Please help me on priority or else direct me to the correct person. Hoping for an early response. Thanks and Regards, Chinmaya Mohanty (Co applicant of home Loan A/c No. - [protected] with Wife Nivedita Mohanty), Senior Manager - Sales HR Wockhardt Ltd, BKC, Mumbai -51 Mob. No. -[protected]