Axis Bank — unauthorised debit amount in my account
ShShesham Ramana on Aug 15, 2013
Client - Customer Conversation
ClientAug 01 11:37
HI This is Ramana. I have a bank account with Axis Bank. On June 07, there was a debit of Rs. 76733 in the midnight, for a transaction regarding which I have received a sms alert. However, I have not made any transaction neither I have authorized anyone to perform the transaction on my behalf. Further, on the next day by the time I released this issue and reached the bank, there were couple of transactions and all of them put together amounted to Rs.1,30,733/- which was debited from my account. I have raised this issue immediately with Axis Bank and till date they could only pay back Rs.76733 into the account. The balance amount is still pending from the bank's end. I am completely dependent on these savings and failed to realise that the bank is taking such a long duration for paying back my money to my account. I have approaached the ombudsman and uinfortunately there is no progress from that front too. In this regard, I would need an immediate response from the Bank as this is a complete failure of customer service and reliability when the bank does not have control on the funds of the customer..... My contact are given below : Shesham Ramana Mob: 91 [protected]
To my above email axis bank resonded as below :
We refer to your email dated August 1, 2013 pertaining to certain transactions in your Savings Bank account.
We would like to inform your that the disputed transactions were initiated in your account using other Bank's ( ICICI and SBI ) payment gateways under "card not present" scenario.
We wish to inform you that we had actively pursued the matter with Yatra.com and CCAvenue and at best we could manage to initiate a reversal of Rs.76,733/- from Yatra.com on a good faith basis. The same is reflecting in your account statement as well on June 14, 2013. However we express our inability to reverse the entire loss to your account. Please note that the reversal in such cases are done purely on good faith basis.
As professionals, we are sensitive to our customer`s requirements and are committed to provide quality service to every customer.
In case of any further clarifications on this matter, please write to us at ASRaoNagar.Operationshead@axisbank.com
Assuring you of our best services.
However, I would like to bring to your notice that all the monies deposited in my account by me is my hard earned income and I depend on the monies received from playing instrumental music and do not have any fixed income.
The transactions are worth of around Rs.50,000/- which were saved with your bank with the faith and trust that they would be in safe custody. However, lack of protection of my funds with your bank indicates that I can longer trust the banking systems and my interest as a customer had no say and protection.
I don't understand how the transactions were allowed by axis bank though I as a customer has not allowed or authorised them.
I would need you to take immediate action in crediting the funds back to my account else we will have no option except for going through the legal process under consumer protection regulations.
In view of the above, need an immediate action
mobile : [protected]
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Axis Bank Limited Corporate Office, Bombay Dyeing Mills Compound, Pandurang, Budhkar Marg, Worli, Mumbai, Maharashtra, India - 400025