Navin Agarwal accuses Axis Bank officers of fraudulently opening credit cards using his documents without consent. Learn how to file a complaint with RBI, Ombudsman, Cyber Crime, and Consumer Forum with Choice4Voice.com
Complaint Summary : Axis Bank Fraud Complaint – Navin Agarwal Exposes Unauthorized Credit Card Scam
| Details | Information |
|---|---|
| Complainant Name | Navin Agarwal |
| Profession | Quality Manager |
| Company/Bank Involved | Axis Bank |
| Complaint Type | Fraudulent Credit Card Issuance & Data Misuse |
| Issue Description | Credit card issued on 17-Sep-2025, followed by two more credit cards issued without consent using the complainant’s documents. Axis Bank officers allegedly involved in scam. |
| Fraudulent Applications | C1-00000070384971-C1, 89144228 |
| Officers Named | MD Izahar (8919052419), Subhajit (8584827771) |
| Impact | Risk of identity theft, financial liability, harassment |
| Platform Raised On | |
| Date Raised | 23-Sep-2025 |
Full Complaint Write-up
Navin Agarwal, a Quality Manager, has accused Axis Bank of gross negligence and possible fraud.
According to him:
- He opened an account with Axis Bank and was issued a credit card on 17-Sep-2025.
- Shockingly, two additional credit cards were issued against his documents without his consent (Application IDs: C1-00000070384971-C1 and 89144228).
- When he contacted Axis Bank officers – MD Izahar and Subhajit – they failed to provide any explanation.
- Even his assigned Relationship Manager ignored his queries and refused to take responsibility.
Navin is now questioning whether Axis Bank itself is responsible or whether this is the work of impostors using his data illegally. He has demanded that Axis Bank immediately:
- Cancel and block all unauthorized applications.
- Investigate how his personal documents were misused.
- Provide accountability for fraud by its officers.
He has also warned that he will take legal action and sue the organization if the matter is not resolved urgently.
Brand History & Context – Axis Bank
- Founded: 1993
- Headquarters: Mumbai, Maharashtra
- CEO: Amitabh Chaudhry (MD & CEO)
- Known for: Credit cards, personal banking, loans, and digital payments
- Official Website: www.axisbank.com
- Customer Care Email: customer.services@axisbank.com
Axis Bank has been penalized in the past by RBI for non-compliance with KYC norms and consumer protection laws, raising concerns about customer data safety.
Applicable Legal Cases & Provisions
- Consumer Protection Act, 2019 – Fraudulent issuance of credit cards amounts to deficiency in service & unfair trade practice.
- RBI Master Directions on Credit Card Issuance (2022) – Credit cards cannot be issued without explicit written consent of the applicant.
- Information Technology Act, 2000 (Sec. 43 & 66) – Unauthorized use of personal documents/data is a punishable cybercrime.
- Indian Penal Code (IPC 420, 406, 468, 471) – Cheating, criminal breach of trust, forgery, and fraud.
- Data Protection Principles (Digital Personal Data Protection Act, 2023) – Misuse of personal data can attract heavy penalties.
Authorities Where Complaint Can Be Filed
- RBI Banking Ombudsman – For violation of RBI’s credit card issuance guidelines.
- Consumer Forum (District/State/National) – For deficiency of service and harassment.
- Cyber Crime Portal (MHA) – For misuse of personal documents and identity theft.
- Police FIR (IPC Sections 420, 468, 471) – Against Axis Bank officers for fraud.
- Data Protection Board of India – For violation of Digital Data Protection Act, 2023.
Step-by-Step Guide to File Complaints
1. RBI Ombudsman (Credit Card Fraud Case)
- Visit: https://cms.rbi.org.in
- Select “Credit Card / Fraudulent Issuance” as the complaint type.
- Upload all documents (account opening proof, card statements, complaint emails).
2. Consumer Forum Complaint
- File complaint under Consumer Protection Act, 2019.
- Seek refund, cancellation, damages, and compensation for mental harassment.
3. Cyber Crime Portal
- Visit: https://cybercrime.gov.in.
- Register complaint under identity theft and misuse of documents.
- Attach fraudulent application IDs and officer details.
4. Police FIR Draft (Sample)
To,
The Station House Officer,
[Police Station Name], [City/State]
Subject: Fraudulent Credit Card Issuance Using My Documents – Axis Bank
Respected Sir,
I, Navin Agarwal, opened an account with Axis Bank and was issued a credit card on 17-Sep-2025. However, two more credit cards were fraudulently issued using my documents (Application IDs: C1-00000070384971-C1, 89144228) without my consent.
The concerned Axis Bank officers, MD Izahar (Mob: 8919052419) and Subhajit (Mob: 8584827771), failed to provide any justification. This constitutes cheating, fraud, and identity misuse under IPC Sections 420, 468, 471 and IT Act 2000.
I request you to register an FIR against the responsible individuals and direct Axis Bank to cancel all unauthorized applications.
Sincerely,
Navin Agarwal
[Contact Number]
How Choice4Voice.com Can Help
- Publish consumer fraud cases for public awareness.
- Expose officer-level frauds on social media (LinkedIn, etc.).
- Provide ready-to-use FIR & Ombudsman complaint drafts.
- Guide complainants through Consumer Forum & Cyber Crime procedures.
- Ensure corporate accountability through public pressure.
Q&A
Q1. Can banks issue credit cards without customer consent?
No. RBI mandates that banks cannot issue a credit card without explicit written consent.
Q2. What should I do if Axis Bank issued a credit card without my permission?
Immediately file a complaint with Axis Bank, RBI Ombudsman, and the Consumer Forum.
Q3. Is unauthorized credit card issuance a crime?
Yes. It amounts to fraud, cheating, and misuse of personal data under IPC & IT Act.
Q4. Can I file a police FIR against bank officers?
Yes. You can file under IPC Sections 420, 468, and 471 for fraud and forgery.
Q5. Can I hold the bank liable if its officers commit fraud?
Yes. The bank is responsible for the actions of its employees.
Q6. Which RBI rule applies to credit card fraud cases?
The RBI Master Directions on Credit Card Issuance (2022) govern these cases.
Q7. Can Consumer Forum give compensation in such cases?
Yes. You can claim damages for harassment and financial risk.
Q8. How do I cancel a fraudulent credit card application?
Raise a dispute with Axis Bank and escalate to RBI Ombudsman if ignored.
Q9. What if my CIBIL score is affected due to unauthorized cards?
You can demand correction through CIBIL and RBI grievance redressal.
Q10. Can cybercrime laws apply to bank fraud?
Yes. Misuse of documents falls under the IT Act, 2000.
Q11. Can I sue Axis Bank in High Court for fraud?
Yes, through a writ petition for violation of your fundamental rights.
Q12. Does DPDP Act 2023 apply to this case?
Yes. Misuse of personal documents without consent violates data protection laws.
Q13. How do I know if someone misused my KYC documents?
Check for unauthorized loans, cards, or accounts opened in your name.
Q14. Can I get my money back if Axis Bank charges me on a fraudulent card?
Yes. You can dispute charges and seek reversal under RBI rules.
Q15. How much time does RBI Ombudsman take to resolve cases?
Generally 30–60 days.
Q16. What is the penalty for banks issuing fraudulent credit cards?
RBI can impose monetary penalties and compensation to the victim.
Q17. Can such fraud affect my job background verification?
Yes, if unpaid credit card dues appear on your credit report.
Q18. Can Axis Bank deny responsibility by blaming its officers?
No. The bank is legally liable for employee misconduct.
Q19. What if Axis Bank doesn’t respond to my complaint?
Escalate to RBI Ombudsman and file a consumer case.
Q20. How can Choice4Voice.com help in Axis Bank fraud cases?
By publishing your case, guiding legal remedies, and amplifying pressure on banks.
