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Submit your complaint →Customer Bhavuk Garg reports an unresolved refund issue at Axis Bank Bhuna, Fatehabad Branch (IFSC: UTIB0005044). Despite partial refund, the remaining amount is pending. Learn about legal remedies, complaint process, and RBI escalation steps at Choice4Voice.com
Complaint Summary : Axis Bank Bhuna Branch Refund Issue: Customer Bhavuk Garg Alleges Unresolved Transaction Dispute
| Details | Information |
|---|---|
| Complainant Name | Bhavuk Garg |
| Company/Bank | Axis Bank |
| Branch Location | Bhuna, Fatehabad Branch, Haryana |
| IFSC Code | UTIB0005044 |
| Complaint Type | Refund Delay / Unresolved Transaction |
| Issue Description | Customer alleges partial refund received; remaining amount pending for a long period despite multiple follow-ups. |
| Date of Incident | Not specified |
| Company Response | No satisfactory response received from branch |
| Escalation Level | Requested intervention of Axis Bank CEO and management |
| Source | LinkedIn public post |
| Complainant Profile | Bhavuk Garg, attended The Institute of Chartered Accountants of India |
Full Case Summary
Customer Bhavuk Garg expressed his disappointment with Axis Bank’s Bhuna, Fatehabad Branch (IFSC: UTIB0005044), citing an unresolved issue related to a pending refund.
According to his statement, Bhavuk visited the branch personally, where the Branch Manager reviewed all the cash transactions and acknowledged no irregularities. The bank processed a partial refund, but a significant portion of the amount is still pending, despite repeated assurances that it would be credited soon.
This prolonged delay has caused financial distress and eroded trust in the banking process. Bhavuk highlighted that as a loyal Axis Bank customer, he expects transparency and timely resolution from the institution. He has publicly appealed to Axis Bank’s CEO, Amitabh Chaudhry, and Subrat Mohanty, requesting them to intervene and ensure a fair refund.
Bhavuk further stated that if the issue remains unresolved within seven working days, he will escalate the complaint to the Reserve Bank of India (RBI) for further investigation and redressal.
About Axis Bank Bhuna, Fatehabad Branch
Axis Bank is one of India’s leading private sector banks, offering a wide range of retail and corporate financial services. The Bhuna branch (IFSC: UTIB0005044) serves customers in Fatehabad, Haryana.
Despite the bank’s reputation for digital banking excellence, cases like these highlight the need for stronger grievance redressal systems and clear communication between branches and customers.
Possible Legal Remedies and Complaint Options
If a customer faces unresolved refund or transaction issues with a bank, the following legal options are available:
1. RBI Banking Ombudsman Complaint
Customers can file a complaint with the RBI Ombudsman if the bank fails to respond or resolve an issue within 30 days.
Website: https://cms.rbi.org.in
2. Consumer Forum Complaint
Under the Consumer Protection Act, 2019, banking service deficiencies fall under consumer disputes.
A complaint can be filed at the District Consumer Disputes Redressal Commission for compensation.
3. Email to Axis Bank Grievance Cell
Customers can contact Axis Bank through its official grievance channels:
- Grievance Redressal Page: https://www.axisbank.com/support/grievance-redressal
4. File Complaint via RBI Integrated Ombudsman
- Visit: https://cms.rbi.org.in
- Choose ‘Lodge Complaint’ option.
- Attach evidence like transaction screenshots, branch visit proof, and previous communication.
5. Approach Banking Lokpal
If the complaint remains unresolved even after the RBI process, the matter can be escalated to the Banking Lokpal under the RBI Integrated Ombudsman Scheme, 2021.
How Choice4Voice.com Can Help
Choice4Voice.com helps Indian consumers get justice by making their unresolved complaints public. Once verified, complaints are published on the website and amplified on LinkedIn to draw corporate and regulatory attention.
By bringing visibility to issues like Bhavuk Garg’s, Choice4Voice.com ensures that banks and corporations act promptly to resolve consumer grievances and protect their brand reputation.
Step-by-Step: How to File a Banking Complaint
- Contact the Bank Branch Manager — request a written explanation.
- Email Axis Bank Grievance Cell through the official portal.
- Wait 30 days for the bank’s response.
- If unresolved, file complaint with RBI Ombudsman via cms.rbi.org.in.
- Submit a case to Choice4Voice.com — your story will be published to raise awareness and pressure for resolution.
Draft Templates for Escalation
Email Template to Axis Bank Grievance Cell
Subject: Request for Refund and Resolution of Pending Transaction – Bhuna Branch (IFSC: UTIB0005044)
Dear Axis Bank Grievance Team,
I am writing to request immediate attention regarding a pending refund from your Bhuna, Fatehabad Branch. Despite multiple follow-ups, the refund has not been processed in full.
Kindly review the transaction history and process the remaining refund at the earliest.
Regards,
[Your Full Name]
[Date]
[Account Details (if safe to share)]
RBI Ombudsman Complaint Template
Subject: Complaint Against Axis Bank for Non-Refund of Transaction – Bhuna, Fatehabad Branch
Dear Sir/Madam,
I had raised a refund issue with Axis Bank’s Bhuna branch, but the matter remains unresolved for several weeks. Partial refund was processed, but the remaining amount is still pending.
I request the RBI Ombudsman’s intervention under the Integrated Ombudsman Scheme, 2021.
Regards,
[Your Name]
[Address]
[Email ID]
Possible Legal Cases That Apply
| Law/Act | Applicable Section | Explanation |
|---|---|---|
| Consumer Protection Act, 2019 | Deficiency in Service | For delay or non-refund by a bank |
| RBI Ombudsman Scheme, 2021 | Banking Grievance | For unresolved banking complaints |
| Indian Contract Act, 1872 | Breach of Service Contract | If agreed banking services are not delivered |
| IT Act, 2000 | Electronic Transaction Irregularities | If issue occurred during online payment |
Author
Complainant: Bhavuk Garg
Verified Source: LinkedIn Post
Q&A on Axis Bank Refund Issues
Q1. How long does Axis Bank take to process a refund?
A1. Normally within 7–10 working days; delays beyond that should be reported to the grievance redressal officer.
Q2. What to do if Axis Bank refund is pending for long?
A2. Contact branch manager in writing and escalate to the grievance redressal cell or RBI Ombudsman.
Q3. Where can I complain if Axis Bank ignores my refund request?
A3. File a complaint at cms.rbi.org.in under RBI’s Integrated Ombudsman Scheme.
Q4. Can I approach the consumer forum for refund-related issues with Axis Bank?
A4. Yes, banking service delays or non-refunds qualify as consumer service deficiencies.
Q5. How can I contact Axis Bank’s grievance redressal team?
A5. Visit: https://www.axisbank.com/support/grievance-redressal
Q6. What evidence should I keep for a banking complaint?
A6. Transaction slips, branch visit records, emails, and account statements.
Q7. Can a bank partially refund a disputed amount?
A7. Yes, but they must provide written clarification on remaining deductions.
Q8. How do I check my refund status in Axis Bank?
A8. Use Axis Bank mobile app or contact customer care via official channels.
Q9. What is the IFSC code for Axis Bank Bhuna branch?
A9. UTIB0005044.
Q10. What is the escalation matrix for Axis Bank?
A10. Branch → Grievance Redressal Officer → Nodal Officer → RBI Ombudsman.
Q11. What if Axis Bank refuses to reverse charges?
A11. File a written complaint with RBI Ombudsman after 30 days.
Q12. How can I verify if my refund is processed?
A12. Check bank statement or net banking “Transaction History” tab.
Q13. Can I sue Axis Bank for refund delays?
A13. Yes, under the Consumer Protection Act, 2019.
Q14. Is RBI Ombudsman free of cost?
A14. Yes, there are no fees for filing RBI complaints.
Q15. Can I file an online complaint for refund delay?
A15. Yes, through cms.rbi.org.in.
Q16. What is the time limit for filing an Ombudsman complaint?
A16. Within one year from the date of receiving an unsatisfactory bank response.
Q17. What happens if the bank ignores RBI Ombudsman’s order?
A17. RBI can impose penalties or order compensation.
Q18. How long does RBI take to resolve complaints?
A18. Usually within 30 to 45 days.
Q19. Can I publish my banking complaint online?
A19. Yes, on platforms like Choice4Voice.com to gain public attention.
Q20. Why should I use Choice4Voice.com?
A20. It helps bring visibility and accountability to unresolved consumer complaints.
