[Resolved]  Axis Bank — Complaint against AXIS Bank Credit Card A/c no. [protected]

Address:

Howrah, West Bengal

Subject:Complain against AXIS Bank for Non -realisation of Cheque for Credit Card payment & Charges imposed subsequently on Credit Card A/c no. [protected]

Dear sir,
Please find the detailed correspondence as described bellow regarding under subject mentioned above.
I would like to brought to your kind notice as complain against AXIS Bank in regards to that I have deposited a cheque for Rs.2553.50/- on UBI, as payment for the month of July’12 but the same was presented by Service Branch of AXIS BANK as Rs.2553.00/-. As per guige line of RBI, the cheque was returned by UBI noting as ENCODING ERROR. They may re – collect the cheque after correction. But they were not doing this and for their fault they imposed various cherges over me. Even after several request they do not reply of my mail.
Kindly look into so that I may get relief from this mental harrousment by collecting cheque from UBI and by reversing all cherges and interest imposed on me.
With best regards.
Manoj Kumer Roy.
04.09.2012.
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Subject: Acknowledgement Mail
From: customer.[protected]@axisbank.com Mon, 27 Aug '12 4:47p
To: You
Show full Headers
Dear Customer,

We acknowledge receipt of your email dated[protected] to customer.[protected]@axisbank.com

We will respond to your email shortly.

Your co-operation in the matter is highly appreciated.

Regards,
Customer Service Desk
Axis Bank-Credit Card Center

Dear Sir,
This is to inform you that 4 days has already gone from the date of received of your mail on 11.08.2012. After 4 days and during this long gape I have not receive any investigation report / outcome from your end. Cosidering the above situation I compailed to write the following facts.

I have received today on 27.08.2012 at 13.45 Hrs. of my Credit Card Statement for the period 11.07.2012-10.08.2012 amounting to Rs.11361.80/-, which includs current months Bill Rs.7669.17/- + previous month's Bill Rs.2553.50/- + other charges Rs.1139.13/- ( 1. Payment bounce charges Rs.300.00/- + ST Rs.37.08/- + 2. Late payment fees Rs.400.00/- + ST Rs.49.44/- 3. Debit interest Rs.313.82/- + ST Rs.38.79/- ). Today at about 2.15 PM I have deposited a cheque no.204583 dt.27.08.2012 for Rs.7669.17/- ( Current month's dues ) on UBI, DVC Extn.Counter Branch, Kolkata in favour of my Credit Card A/c no.[protected] at Axis Bank, Kakurgachi Branch, Kolkata.

When I have go through the Statement it is observed that on 28.07.2012 & 30.07.2012 the Cheque Payment # 204584 & Reversal shows an amount of Rs.2553.00/- only in both cases when I have deposited the cheque for Rs.2553.50/-. Here implies the causes of Cheque Bounce and for which payment for Rs.1139.13/- imposed to me. I highly object regarding these charges. Also I am not going to issue fresh cheque in liue of Bounce Cheque as the Cheque was correct in all respect which I have personally investigated.

It is my earnest request that 1st you investigate the same and re-send the cheque for collection from Bank. Then recovered the total charges of Rs.1139.13 + anthing pending add thereto from the concern responsible one and reverse all in my next Statement.

Your kind co-operation and early action in this regard is highly solicited.

With best regards,
Manoj Kumar Roy.
27.08.2012.
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From: customer.[protected]@axisbank.com
Sent: Sat, 11 Aug 2012 14:41:51
To: mkr_kaju.[protected]@rediffmail.com
Subject: Re: Non-realisation of Cheque for Credit Card payment
Dear Mr. Roy,
We acknowledge your request for reversal of charges.
We have observed from our records that, as per 10th July 2012 statement the total amount due was Rs.2553.50/- and the due date was 30th July 2012, but we have not received your payment, due to which the late payment charges has been levied on your credit card account.
Hence, we regret our inability to reverse the financial charges levied on your credit card account.
We need to inform you that, we have forwarded your request to confirm the reason for cheque return to the relevant department.
We request you to kindly allow us 4 working days to confirm the status of the same.

Thanking You,
With Regards,
Customer Service Desk
AXIS Bank - Credit Card Center
CS 177
For any further assistance or clarifications, Kindly call us on our 24-hour toll free customer service helpline numbers[protected]/[protected]/[protected]Toll Free[protected]chargeable and accessible outside India as well) customer.[protected]@axisbank.com


[protected]----Original Message[protected][protected]
From:mkr_kaju.[protected]@rediffmail.com[mkr_kaju.[protected]@rediffmail.com]
Sent:8/10/2012 10:24:22 AM
To:customer.[protected]@axisbank.com
Subject:Non-realisation of Cheque for Credit Card payment

Dear Sir,
I have received a teliphone from no.[protected] to my Mob.no.[protected] on 09.08.2012 at about 5.23 PM regarding non-realisation of Credit Card payment for raising your bill period 10.6.12 to 10.7.12, payment due date 30.7.12 amounting to Rs.2553.50. Regarding this I would like to brought to your kind notice that I have dropped a cheque no.204584 dt.24.7.12 on UBI,DVC Extn.Br.,Ultadanga for Rs.2553.50 in your ATM drop box at P-153/A VIP Road, CIT Scheme-VIIM, Ultadanga, Kolkata indicating my name and mobile no. at the back side of the cheque. On receipt of telephone from the above stated no. I have personally meet with Branch Manager,UBI, where I found that the Cheque was presented in time but till today it has not been debited from my Saving Account due to ENCODING ERROR from Service Branch by Rs.0.50. It is an internal Banking error. Thats why it has been returned to the Service Branch for correction on 30.07.2012 as per their Register entry by stating the causes of returned. They have stated that there is no fault in Cheque from customer side.
I therefore request you to kindly take up the matter with the Bank for imigiate realisation to avoide any default penalty and interest cherge.
Details of my credit card is given bellow.

1. Card no. : [protected]
2. Name : Manoj Kumar Roy
3. e-mail : 1. mkr_kaju.[protected]@rediffmail.com 2. [protected]@dvcindia.org
4. Tel.no. :[protected]R)
5. Mob.no. : +91 [protected] (P) +91 [protected] (O)
6. Remarks : My own residential address is 52/1/6 Bangal Para 2nd Bye Lane,P.O.-
Santragachi,P.s-Shibpur, Howrah-711104.
Thanking you,
Yours truly,
Manoj kr.Roy.