[Resolved] Axis Bank Credit Card — illegal credit card issued in my name | |||
Hi, This is the complaint which I would like to highlight against AXIS Bank - Credit Card department. There is an illegally credit card has been issued in my name and handed is over to some other guy 3 years back which has a current overdue amount of approx 54,000/-. I get to know about such credit card when I applied for a Housing loan in LICHF, Noida by sending my signed documents to my father from UK. LICHF, Noida told my father that there is some credit card in my name which has an overdue of Rs. 18,000/- while I was sitting in UK. My father tried to get the complete info about this credit card from LICHF, but they rejected to disclose all the info about this card. After which I get to know about the CIBIL department, Mumbai which could give me the exact information about my all Credit Cards. I returned back from UK on 29th Jan this year and tried to get the report about my Credit Card history. This report gives me the information that the card is being issue by the Axis bank in my name and without even intimating me about this from last 3 years (Dec-2007) about it. Although, I have never applied for any card from Axis Bank. Thereafter, getting the reports from CIBIL, Mumbai - I contacted Axis Bank customer care department to let them know that I am not the culprit and they need to investigate about this card and the fraud guy to whom you have handed over the card. The department (Axis Bank, Risk Credit Cards - Pre-Aquisition, Retail Bank) investigate and look forward to all the documents and form which are there with the Bank records. They called me in there office at Barakhamba Road, Delhi to meet me personally and wanted to ask some questions regarding it. There I saw the application form has the BIGGEST flaws which is clear mentioned in the application form. The permanent address has two cities mentioned one after another - Moradabad, Bareilly with wrong PIN Code. Can any body from the whole India can please get this kind of address for me. The FI (Verification) department, has never investigate the application that my present address is not completely correct. The application was stating that the present address of the applicant is Near Atta Market where as my present address at that time was Near Telephone Exchange. This type of application is being passed by the bank. Apart from this, the card when delivered has to be handed over to person only after looking at the original identity proof of the person to whom the person is receiving the card. But they don't have any such info about this. They told me that the card is being delivered at the office address and has the office stamp on it. Although, the address at which they have delivered the card that was never had my working location. That was my companies BPO location and I was working in the IT company. How the hell should be able to know about such delivered in my name. All the statements are also delivered at the same address where the card was delivered. All the signatures present in the whole application doesn't even matched with my signs. The mobile number which was given in the application was not mine. Office address mentioned on the application form is not my office address location. The SIM card - Mobile number used by the culprit was surrendered 3 months ago (Dec-09). What the hell these AXIS bank guys where doing when the culprit was continuously using that number for more than 2 years after he made the purchase from the credit card. Not even this, I was coming ahead to resolve this issue. They didn't even take any interest in investigating it earlier before I come into picture. If the bank has taken up the steps earlier then the guy who was doing this fraud must be under the arms of police till now. As, the purchases which were made by that guy was in LifeStyle, Noida and also from Mobile House - he purchased a mobile. Which could have traced the guy and must have caught him much earlier. The investigation is still going on this. And I am still waiting for there investigation reports on this. This is the worth case, I have seen the whole life which happens with me. Will communicate the whole info as I'll get the updates on this. Ankit Was this information helpful? | |||
Aug 13, 2020 Complaint marked as Resolved | |||
 4 Comments | |||
Comments
Hi,
This is to update you all here that after the above conversation happen with the Axis Bank at Barakhamba Road branch, Delhi. Now, there are stating to me that the two documents (DL & Salary Slip) belongs to me and they don't bother about the wrong Permanent Addresses, Signatures, incorrect Landmark for the present address, they are straight away blaming me that I am liable for the payment of this illegal credit card.
I am a fool who is not being received any credit card nor i have every applied for it and they are stating to me that i am liable to pay because i got the information about such credit card after 3 years from LICHF, Noida and gone in front of them to investigate about such illegal credit card issued in my name. And since they were not able to catch the actual guy and now wanting me to fulfil there recover amount.
I am really disappointed with this type o[censored]nprofessional and unethical behaviour by the Axis Bank in the current cyber world. Where nothing is impossible if they really wanted to find the actual guy they can easily catch him but they have a simple option here to "Mentally Harass" the customer who comes in front of them for the compliant and get the amount (The most easiest way for this "FRAUD AXIS BANK").
The day when i reached to the Barakhamba road branch they told me that the Sim card ([protected], Airtel Prepaid) which is used in this fraud was disconnected in Dec; 09 and can be traced about IMEI number of the mobiles used. To get this information from Airtel office they could ask me to log an FIR thru which they can trace the whole information from the Airtel office. But they never asked me to log any FIR nor they wanted to trace down the Airtel number.
Apart from this, one mobile was purchased from Mobile House thru this credit card cost around Rs. 7, 500/-. When i narrate the whole story to one of the Merchant's Manager (Life Style, Noida), he told me that whenever any customer uses credit card and the purchase amount was above 5, 000/- then we always ask the customer to provide any identity proof for that and we always keep the bundles of the such identities photocopy for the Banks.
So, the same i ask to the Axis Bank and they told me that they tried but the Merchant is not willing them this information. What does this means? Axis Bank - Retail Banking Investigation Officer is refused by the Merchant to provide the details of the purchase made against any illegal card complaint investigation. To whom they are fooling here.
They are not interested in investigating the issue. They don't wanted to use there power when they have full rights to investigate at every end. Even i am willing to help them in all aspects. But they know that now they have me and can Mentally Harass me and my family to get there money easily.
I am true to my country and citizenship. And never did any fraud in my whole life.
Please, guide me to how to take action against Axis Bank. What steps should i take to investigate this credit card issue truely and farely with a proper authorised bodies?
I would be highly thankful to your supports.
Note: Axis Bank, Credit Card Number - [protected]
Thanks & regards,
Ankit Rastogi
This is to update you all here that after the above conversation happen with the Axis Bank at Barakhamba Road branch, Delhi. Now, there are stating to me that the two documents (DL & Salary Slip) belongs to me and they don't bother about the wrong Permanent Addresses, Signatures, incorrect Landmark for the present address, they are straight away blaming me that I am liable for the payment of this illegal credit card.
I am a fool who is not being received any credit card nor i have every applied for it and they are stating to me that i am liable to pay because i got the information about such credit card after 3 years from LICHF, Noida and gone in front of them to investigate about such illegal credit card issued in my name. And since they were not able to catch the actual guy and now wanting me to fulfil there recover amount.
I am really disappointed with this type o[censored]nprofessional and unethical behaviour by the Axis Bank in the current cyber world. Where nothing is impossible if they really wanted to find the actual guy they can easily catch him but they have a simple option here to "Mentally Harass" the customer who comes in front of them for the compliant and get the amount (The most easiest way for this "FRAUD AXIS BANK").
The day when i reached to the Barakhamba road branch they told me that the Sim card ([protected], Airtel Prepaid) which is used in this fraud was disconnected in Dec; 09 and can be traced about IMEI number of the mobiles used. To get this information from Airtel office they could ask me to log an FIR thru which they can trace the whole information from the Airtel office. But they never asked me to log any FIR nor they wanted to trace down the Airtel number.
Apart from this, one mobile was purchased from Mobile House thru this credit card cost around Rs. 7, 500/-. When i narrate the whole story to one of the Merchant's Manager (Life Style, Noida), he told me that whenever any customer uses credit card and the purchase amount was above 5, 000/- then we always ask the customer to provide any identity proof for that and we always keep the bundles of the such identities photocopy for the Banks.
So, the same i ask to the Axis Bank and they told me that they tried but the Merchant is not willing them this information. What does this means? Axis Bank - Retail Banking Investigation Officer is refused by the Merchant to provide the details of the purchase made against any illegal card complaint investigation. To whom they are fooling here.
They are not interested in investigating the issue. They don't wanted to use there power when they have full rights to investigate at every end. Even i am willing to help them in all aspects. But they know that now they have me and can Mentally Harass me and my family to get there money easily.
I am true to my country and citizenship. And never did any fraud in my whole life.
Please, guide me to how to take action against Axis Bank. What steps should i take to investigate this credit card issue truely and farely with a proper authorised bodies?
I would be highly thankful to your supports.
Note: Axis Bank, Credit Card Number - [protected]
Thanks & regards,
Ankit Rastogi
Is there anybody from bank who can take the responsibilities of the above matter.? Where will the customer will go for justice ?
What is going to happen in this case ?
What is going to happen in this case ?
I m also suffering from Axis Bank Credit card . I have done my mother's heart treatment on credit card . since i was making payment on the basis of sms received on my mobile. But I have demanded for sttement from Dec.10 to till date. I am surprised to see the statements it was debited overlimit fees to my account twicely, for which I had never given request.
Anant
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Anant
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Ankit