Axis Bank Credit Card Wrong Charge Complaint – Neha Parashar

Neha Parashar reports an unauthorized Axis Bank credit card charge of ₹12,469.50. Despite raising a complaint, Axis Bank marked it resolved without action. Read full details, legal options, and escalation steps.

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Complaint Summary : Axis Bank Credit Card Wrong Charge Complaint – Neha Parashar Seeks Resolution

Full Complaint Details

Neha Parashar, a Human Resources Senior Executive at Mettl, reports a serious concern regarding her Axis Bank credit card.

On 3rd September 2025, an unauthorized transaction of ₹12,469.50 appeared on her credit card under the description “Life Insurance Corpora, Mumbai”. Neha did not authorize this transaction and immediately contacted Axis Bank customer care to raise a complaint. The complaint was registered with Ticket No. SAK00003432436.

Shockingly, Axis Bank later marked the ticket as resolved without any investigation or corrective action. Despite Neha’s repeated follow-ups, the Axis Cards team has not responded nor taken any corrective measures.

This lack of action raises serious concerns about customer safety, transparency, and accountability, especially for a reputed bank like Axis. Neha emphasized that leaving customers helpless after unauthorized transactions damages trust and confidence in the institution.

She urges Axis Bank to:

1. Reverse the unauthorized charge immediately.
2. Investigate the incident thoroughly.
3. Ensure such lapses do not occur for other customers.
4. Provide transparent and timely support for disputed transactions.

How Choice4Voice.com Can Help

Choice4Voice.com can assist customers like Neha by:

• Publishing verified complaints to hold Axis Bank accountable publicly.
• Amplifying the issue on LinkedIn and social media to pressurize the bank.
• Guiding users to escalate complaints through RBI or banking ombudsman channels.
• Providing pre-drafted email templates and escalation letters for quick action.

Applicable Legal Acts and Complaint Forums

Step-by-Step Guide to File a Complaint Against Axis Bank

1. Collect Evidence:
   Screenshot the transaction, ticket number, emails, and call logs.
2. Raise Complaint with Axis Bank Again:
   Email cards.customerservice@axisbank.com (or branch) with all evidence.
3. Escalate to Nodal Officer:
   If unresolved in 7 working days, escalate to Axis Bank’s Nodal Officer for Grievances.
4. File Complaint with RBI Ombudsman:
   Visit https://www.rbi.org.in → Banking Ombudsman → File grievance for unauthorized credit card transaction.
5. Legal Action:
   Approach Consumer Forum citing deficiency in banking services and request compensation plus reversal of charges.

Complainant Author

Name: Neha Parashar
Position: Human Resources Senior Executive @ Mettl
Source: Public LinkedIn post

Questions About Axis Bank Credit Card Disputes

Q1. What should I do if my Axis Bank credit card is wrongly charged?
A1. Immediately raise a complaint with Axis Bank, noting the transaction details and ticket number.

Q2. How long does Axis Bank take to resolve disputed charges?
A2. Normally 7–15 working days, but delays can occur. Persistent follow-ups are necessary.

Q3. Can I escalate if the bank marks the complaint resolved without action?
A3. Yes, escalate to the Banking Ombudsman or RBI.

Q4. What evidence is needed for escalation?
A4. Transaction screenshots, complaint ticket number, emails, call logs, and any written communication.

Q5. Will Axis Bank reverse the charge if it was unauthorized?
A5. Yes, under RBI Guidelines, the bank must reverse the unauthorized transaction promptly.

Q6. Can I claim compensation for inconvenience?
A6. Yes, RBI or Consumer Forum may provide monetary compensation for financial loss or stress.

Q7. How to contact Axis Bank Nodal Officer?
A7. Email nodalofficer@axisbank.com or visit branch for escalation.

Q8. Can unauthorized charges harm my credit score?
A8. If unresolved, yes; ensure timely escalation to prevent adverse credit reporting.

Q9. Is RBI complaint effective?
A9. Yes, RBI has statutory authority to order banks to reverse charges and provide compensation.

Q10. Can Choice4Voice.com assist in Axis Bank disputes?
A10. Yes, by publishing complaints, guiding escalation, and providing templates.

Q11. What if the bank delays investigation?
A11. Record all interactions and escalate to RBI or Consumer Forum citing deficiency in service.

Q12. Can social media pressure help?
A12. Yes, public complaints on LinkedIn or Twitter often prompt faster resolution.

Q13. How to prove the transaction was unauthorized?
A13. Provide declaration stating no authorization, along with transaction evidence and previous communication.

Q14. What is the typical RBI resolution timeline?
A14. Usually 30 days, but depends on the complexity of the case.

Q15. Can repeated complaints strengthen my case?
A15. Yes, showing persistence proves bank negligence and deficiency in service.

Q16. Should I continue using my Axis Bank card?
A16. Temporarily suspend usage for disputed accounts to avoid further unauthorized charges.

Q17. Can multiple customers report the same bank issue collectively?
A17. Yes, group complaints are taken seriously by RBI and Consumer Forums.

Q18. Can banks charge penalties during a dispute?
A18. No, for genuinely disputed transactions, no penalty should apply.

Q19. Are online complaint portals effective?
A19. Yes, RBI and Consumer Helpline portals allow official tracking and escalation.

Q20. How long should I wait before escalating to RBI?
A20. If the bank fails to resolve within 7–10 working days, escalate immediately.