[Resolved]  Axis Bank — Have put my name in cibil for a disputed lost card

Address:	Bangalore, Karnataka, 560035
Website:	axis bank

Hi all,

This is regarding the email chain below, the matter is still not resolved and i came to know my name is in cibil due to the lost axis bank card.

They have already taken more money than what was due, as i by mistake made the payment to my lost blocked card and they did not even reverse the amount and instead put my name in cibil. I need help.

Regards
Kalpana koul

from: "koul, kalpana"
date: january 17, 2012 18:58:06 gmt+05:30
to: "mahendra. [protected]@axisbank.com", "kn. [protected]@axisbank.com"
subject: re: lost card reported!!


hi balaji,


the purpose of this email chain is that i have not got any replies from mahendra after the email which stated that the dispute is under investigation.

since my card is lost and in the disputed state, i am not liable for any payments until the case is resolved.
there has been no comminication from you since the disputed forms are sent across and its been a year now... I have no updates from you guys...

i had my credit card linked to my hdfc and by mistake i have been making the payments thinking its my saving account. I request you to reverse the amount of 30000 i have made towards the card which is lost.

as per the law,
during the credit card dispute process investigation, customer will not be required to make payments or pay finance charges on the purchase (S) in question.

charges cannot be incurred to the credit card company without even mailing the statement.

i request you to reverse the amount asap to avoid taking it further legally.

there has been no miss from my end except that by mistake i transferred it to the credit card in disputed state.
i hope you believe that no one will transfer money to the credit card which is in disputed state and there has been no communication from your end about the same... My grandpa expired yesterday had to sent money home urgently... I would appreciate if you can help me reversing the transaction which was done by mistake


thanks and regards
kalpana


sent from my iphone

on jan 17, 2012, at 17:47, "koul, kalpana" wrote:



sent from my iphone

begin forwarded message:

from: "koul, kalpana"
date: january 17, 2012 13:01:19 gmt+05:30
to: "tushar. [protected]@axisbank.com"
subject: fwd: lost card reported!!



sent from my iphone

begin forwarded message:

from: "koul, kalpana"
date: september 8, 2011 14:54:19 gmt+05:30
to: "koul, kalpana", "mahendra. [protected]@axisbank.com"
cc: "customer. [protected]@axisbank.com"
subject: re: fw: re:re: re:lost card reported!!

hi mahendra,

i dont undesrtand why you guys are bothering me with your calls. I have made the last payment of rs 18319 as told by you, what else is required??
this is disgusting that you people dont have ettiquette to speak to your customers, giving threatening calls and when you people yourself are at fault.
i have lost my card long back and it was reported the same day, i lost my card.. Infact send the disputed forms too... You expect me to pay the money for the transaction which was fraud.
i have all the email communications with the axis bank... I have been telling and sending you emails to close the matter and when i made the last payment to you mr mahendra, you assured that it will be the last payment i am making and i will be issued a new card.

how to trust you people after doing the things being told??

i would take this matter to the higher authorities if i am being charged inspite of raising request, sending disputed forms on time.

regards,
kalpana



from: koul, kalpana
sent: friday, april 01, 2011 12:49 pm
to: mahendra. [protected]@axisbank.com
cc: customer. [protected]@axisbank.com
subject: re: fw: re:re: re:lost card reported!!

hi mahendra,

as told by you, i have made the payment of remaining amount[protected] =rs 18139 today.
please close this matter asap.


kalpana koul


dear ms kalpana koul

this is regarding your axis bank credit card dispute.
further to our telephonic conversation, your dispute transaction is under investigaton. If the dispute transaction proven right charge back will happen on to your account along with the intrest and latepayment charges.

the amount liabial to repay apart from the dispute transaction is rs 21639.85. Request you to please make the above mentioned amount in which we require a immideate payment of rs 3500.00.


regards,
mahendra p
_
axis bank ltd
phone-1: +[protected]
fax #: +91 80
email: mahendra. [protected]@axisbank.com
address: #5/111, 1st floor, 1st main, 1st block,
dr. Rajkumar road, rajajinagar, bangalore-560010
website: http://www.axisbank.com

— wrote: —

to:
from:
date: 22/03/2011 11:19
subject: re: fw: re:re: re:lost card reported!!

hi mahendra,
as per the telephonic conversation, you confirmed that the disputed amount will be reversed on the card.
i request you to send me an email confirmation for the same and let me know the total amount to be paid.

kalpana koul


from: mahendra. [protected]@axisbank.com [mahendra. [protected]@axisbank.com]
sent: tuesday, march 22, 2011 10:18 am
to: koul, kalpana
subject: re: fw: re:re: re:lost card reported!!

dear ms kalpana koul
request you to please call us back on the below mentioned number as we are unable to contact. Urgent...
mob:[protected]
regards,
mahendra p
_
axis bank ltd
phone-1: +[protected]
fax #: +91 80
email: mahendra. [protected]@axisbank.com
address: #5/111, 1st floor, 1st main, 1st block,
dr. Rajkumar road, rajajinagar, bangalore-560010
website: http://www.axisbank.com

— wrote: —

to:
from:
date: 19/03/2011 12:43
subject: fw: re:re: re:lost card reported!!

hi mahendra,
please find attached requested disputed forms.

kalpana koul


hi team,
i am sorry for the delay in replying.
i have been travelling since then, i am still in canada.
please find the dispute form attached.

kalpana koul


from: customer. [protected]@axisbank.com [customer. [protected]@axisbank.com]
sent: friday, december 03, 2010 3:37 pm
to: koul, kalpana
subject: re:re: re:lost card reported!!


dear ms. Koul,

this is with reference to your e-mail dated november 26, 2010 to customer. [protected]@axisbank.com regarding dispute transaction.

thank you for writing to us.

we apologize for the delay in responding to your query.

we are sending the soft copy of the dispute form for your kind attention.

we request you to send us the scan copy of the duly filled and signed dispute form to enable us to escalate the same to the concerned department.


also we take this opportunity to inform you that, you can view your axis bank credit card e-mail statements online by visiting www.axisbank.com or click on www.axispay.co.in/AxisBankCCStatements/Web/Retail/GetDates.aspx

we wish to inform you that the password is of 8 characters. It is a combination of the first 4 letters of your name, in upper case, as it appears on your monthly card statement (Ignore spaces and periods, if any) and the last 4 digits of your 16-digit credit card number.

you also need adobe reader version 7 or above to open the attached file. Adobe reader 7 can be downloaded free at http:www.adobe.com/products/acrobat/readstep2.html

once you visit the web site, there is a link on the left side of your web page under quick access as "credit card statement". When you click on this link, you will have to provide the following information to view your e-statement online:

credit card number : 4718 xxxx xxxx xxxx
card holder name : (Name as appearing on credit card)
date of birth : (Dd-mm-yyyy)
card validity date : (Mm - yy)

we assure you the best of our services.


we appreciate your time and business with us.

for any further clarification, do write to us or call on our 24-hour customer services help line[protected]/[protected] or[protected], +[protected] not toll free accessible from outside india and nri customers calling from outside india is +[protected] is not a toll free number and also we will be glad to assist you.

regards
customer service desk
axis bank - credit card center
cs 126



— original message —
from: kalpana. [protected]@accenture.com[kalpana. [protected]@accenture.com]
sent: 11/26/2010 11:07:55 am
to: customer. [protected]@axisbank.com
subject: re: re:lost card reported!!


hi team,
the transaction of rs, 23, 167.83 done online is some fraud and not done by me.
kalpana koul

from: customer. [protected]@axisbank.com [customer. [protected]@axisbank.com]
sent: saturday, november 20, 2010 4:33 pm
to: koul, kalpana
subject: re:lost card reported!!
dear ms. Koul,
this is with reference to your e-mail dated november, 14, 2010 to customer. [protected]@axisbank.com regarding lost card reported.
thank you for writing to us.
we apologize for the delay in responding your query.
we need to inform you that your credit card account is permanently deactivated.
further, we need to inform you that the last transaction done on your credit card account of rs, 23, 167.83 on november, 13, 2010 and thereafter no transaction has been done on your credit card account.
we request you to kindly confirm the whether the last transaction is made by you or it is a fraud transaction.
in the light of above clarifications, we seek your co-operation on the demand raised at your end.

also we take this opportunity to inform you that, you can view your axis bank credit card e-mail statements online by visiting www.axisbank.com or click on www.axispay.co.in/AxisBankCCStatements/Web/Retail/GetDates.aspx

we wish to inform you that the password is of 8 characters. It is a combination of the first 4 letters of your name, in upper case, as it appears on your monthly card statement (Ignore spaces and periods, if any) and the last 4 digits of your 16-digit credit card number.

you also need adobe reader version 6 or above to open the attached file. Adobe reader 6 can be downloaded free at http:
www.adobe.com/products/acrobat/readstep2.html

once you visit the web site, there is a link on the left side of your web page under quick access as credit card statement. When you click on this link, you will have to provide the following information to view your e-statement online:

credit card number : 4718 xxxx xxxx xxxx
card holder name : (Name as appearing on credit card)
date of birth : (Dd-mm-yyyy)
card validity date : (Mm - yy)
for any further assistance or clarifications, kindly call us on our 24-hour toll free customer service help line numbers [[protected],[protected],[protected] and[protected]Chargeable and accessible outside india as well) ].
we appreciate your time and business and we assure you the best of our services.
regards
customer services axis bank
credit cards center
cs 133
— original message —
from:kalpana. [protected]@accenture.com[kalpana. [protected]@accenture.com]
sent:11/14/2010 1:29:45 pm
to:customer. [protected]@axisbank.com
subject:lost card reported!!
hi team,
i just reported a loss of my axis bank credit card ([protected]) today morning in canada, vancouver (Ie 10 pm ist). I came to know that there was some illegal transaction made online with my card, i just want to inform that whatever transcations made today is without my consent and is not done by me, so i should not be charged for this. I would like you people to trash the transaction since its not yet credit to merchandiser as per the customer care execute i spoke to. Also, it seems the transaction made was on some fraud website, which is not verified by visa.
kindly stop this payment to the merchandiser.
kalpana koul