[Resolved]  Axis Bank — Unprofessional employees

Address:

Andhra Pradesh

Hi and Hello everyone readers, You will be surprised to read this mail against the axis bank ltd., but it is true. Here is my story starts..... I am having salary account in Axis Bank Ltd., and I have started operating this account since 2009. In the year 2012 I have availed personal loan from Axis Bank Ltd., and accordingly I have paid as the EMI schedule. Last few months I was out of country and I would not make the EMI in time for my personal loan. When I came back in the month of July 2013, I visited the axis bank and enquired about the outstanding amount. And as per their outstanding amount I have transferred the amount to their account. However, these people have kept this amount in the Lient amount, which I don't know as customer. When I made an enquiry they said that because in time EMI was not paid this amount will be blocked. I was surprised to hear the same from Bankers, before I leave to abroad I have requested their executive to send their person to collect the cheque and they have not turned up, and I understand from my parents that their executives have called up and spoken in unparliamentary languages and they are not in a position to understand the aged persons situations. Since i have asked them to send the statement of accounts on my loan, I did not got the same for 3 months. Again when I made an enquiry I understand that they forwarded the statement of accounts to my old official mail id, regarding the change in mail id I have personally visited the branch and provided the details, even though the axis bank officials doesn't have courtesy to change or update. When I raise the concern in their website, they have send me the mail saying that they need certain documents to change the email and contact details, accordingly I have provided to their customer care department and I have received an reply saying that within 3 working days, my profile will be updated. I am surprised to see that till now my profile has not updated and I am fed with this bank towards transaction.

I need an additional personal loan and I have applied for the same with axis bank and requested them for top up the loan, initially they said that they will consider it and sanction the loan, since my account was at their bank I thought that they will see my transaction and approve the loan, I was shock to see that my loan got rejected and when I asking them why my loan got rejected, there is no answer from any of them. Finally I have found out with other sources and understand that my CIBIL rating is low as per the eligibility, when i approached the CIBIL department and understand the concern, they said that Axis bank officials have sent the transaction report and as per the report we will be rating the CIBIL rate. Since my EMI was due they have forwarded my report to CIBIL, as a customer it has to be accepted, however when i made the payment for all balance EMI, it is not their duty to send the updated report to CIBIL, so that customer record will get correct and get the support from the bank.

And now regarding the lien amount, they have charged Rs. 538.00 towards their debit card annual fee, for which I assumed that they will deducted the same amount from our account. when this amount was reflecting in the Lien amount, I have asked them what is this amount, they said that this amount is due from your end, immediately i showed my account balance and informed them that when the money is available why the amount was not deducted, there is no answer from their employees. After raising the mistakes, they have promised me to remove the same within 24 hrs, now it is already 15 days completed still the lien amount is reflecting in my account.

Now hereby request the viewers, If any body make the transaction with axis bank please be careful and make sure that all the documents which you will sign towards your transaction has to be read thoroughly and understand, then you can sign the documents.

And also I would request if any one assist me how to make them understand, how the customer service to be rendered.

Every time they have auto forwarded message in their customer care email id, you will get the reply immediately with the reference then no reply nor response.