[Resolved]  Axis Bank Credit Card — saving acct put online by credit card debt

Address:

Mumbai City, Maharashtra

Hi,

I have been having a salary account with the Axis Bank since 2009. I also have Axis Bank Credit Card. And which i have not used for almost 6 months plus now.

I have regularly made minimum payment to this credit card every month and last payment I have made in cash Rs.3,500 dated 28/12/2012 towards outstanding of Rs.32,373/-. The bank has placed lien on my salary account on the same day and blocked my bank balance of Rs.30,353/- excess amount of Rs.1480/- because they have not updated the payment. I have in no way given any written or oral approval for this anytime.

The bank has not given prior intimation about this, neither the Axis Bank credit card department nor the Axis Bank with whom I have a salary account have communicated to me in any way about the lien.

I have visited Axis Bank Lamington Road Branch for settlement of this card to collection department and discuss this thing with Mr. Abhijit Jadhav and he has taken request for card settlement but with numerous phone calls and mails nobody was responded on this issue and closed the matter that they can not settled my credit card and they have debited Rs. 30,353/- from my account with excess paid of Rs.3500 i.e. total amount they have received Rs.33,853 where outstanding of credit card was Rs.32,373 they have debited extra amount of my account Rs. 1480 which is still not credited to my account,calculation of same is as below:

Amt (Rs) Dates & Comments
32373.34 Due on 31/12/2012
3500 28/12/2012
28873.34 Total Outstanding
30353.71 Marking as lien on 28/12/2012

1480.37 (30353.71-28873.34=1480.37 extra amt lien)

29547.5 actual amt debited from acct on 10/01/2013

Then on 11/01/2013 they have raised new bill showing my outstanding of Rs.1000 odd figure and now from that same day they have charged every month new billing with late payment and interest.
Now on 03/04/2013 i have sent mail to cmt.[protected]@axisbank.com and nodal.[protected]@axisbank.com which is not answered properly.
Please help me on this matter as how i can fight against this blunder which is made by Axis Bank, as i am not using their credit card as well as saving bank account.

Your earliest help will appreciate and help to solve this matter on priority.

Regards,
Priya
([protected]@gmail.com, [protected]@gmail.com)