Axis Bank — Loss of 492 rupees

I had applied for the Axis Bank saving account on 10th of May, 2009, my account was opened on 12th June, 2009. I was waiting for my ATM card but I didn’t receive even after a month. I then enquired the call centre and I was informed that my address has been entered incorrectly and that I should visit the Axis bank at sector-18, Noida and collect my welcome kit.

When I went to the particular branch, I was told that it could not be handed over in person and it could only be delivered to my address. To my disbelief, I was asked to fill up a form to change my address with the correct one. I was surprised to hear this as I had already provided the bank with my correct address along with the proof. If Bank didn’t entered it correctly, it should be their responsibility to verify and correct it rather than me filling up a form to change my address.

However, to expedite the process, I agreed with the bank manager and filled up the address change form and submitted it to the branch. I enquired about a week later as to why I haven’t still not received my welcome letter. To my disbelief, I was told that the address mentioned against my record is still not matching.

After complaining, some how they manage to correct my address and sent a checque book on 4th of August 2009 to me. I was worried about service so I decided to take my cash (5000) back and close the account. With the cheque I tried to transfer 5000 INR from Axis to my other account, but that cheque bounced due to insufficient fund.

How would I know about my balance amount without any debit card or net login?

After Contacting Axis I got to know that some amount has been charged for the debit card without my knowledge, however, I have not received any Debit Card yet. Now my balance amount after deducting cheque bounce fine is 4508 INR.

It was not told to me that Bank will charge me for the debit card, moreover, why should I pay money for which I have not received? I don’t think I should pay fine for the bounce cheque. Please let me know how can I get my money and close this account.


Totoda Ammount charged by Axis Bank: 492
Fine charged by other bank due to cheque bounce : 50

Total loss : 542


If I the problem is with Axis, why should I pay this amount, I want my money back. I have already informed “Zonal Head” of Axis bank, but no action has been taken.


Regards,
Gyan Sinha
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