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Submit your complaint →Vaishnavi Gurnule reports unauthorized ECS deductions totaling ₹2,732 from her Axis Bank account. Full complaint details, resolution steps, and consumer rights explained.
Complaint Summary
| Details | Information |
|---|---|
| Complainant Name | Vaishnavi Gurnule |
| Not disclosed | |
| Company/Brand | Axis Bank |
| Product/Service | Savings Account |
| Complaint Type | Unauthorized ECS Return Charges / Financial Loss |
| Incident Date | 2025 |
| LinkedIn Source | Original Post by Vaishnavi Gurnule |
| Status | Unresolved |
| Company Response | None / No explanation provided |
Full Complaint Details
Vaishnavi Gurnule, an HR professional, noticed multiple unauthorized ECS return charges on her Axis Bank account, amounting to ₹2,732. The individual deductions included ₹452.47, ₹56.36, ₹443.64, ₹64.83, and others across 2025.
Key Issues Faced
- Unauthorized Deductions – Debits were made silently with no prior warning, SMS, or explanation.
- Lack of Transparency – Charges are vaguely described as “ECS Return Charges,” with no indication of the origin or period.
- No Customer Support Response – Despite attempts, Axis Bank did not provide clarification or reversal.
- Trust Violation – The incident undermines customer confidence in the bank’s ethical and operational practices.
Impact on Complainant
- Financial Loss: ₹2,732 deducted without consent.
- Time and Effort: Repeated follow-ups required for clarification and reversal.
- Mental Stress: Anxiety over silent deductions and uncertainty about account safety.
Vaishnavi demands full reversal of charges and a transparent explanation for each debit.
How Choice4Voice.com Can Help
Choice4Voice.com can assist Vaishnavi by:
- Publicizing her verified complaint to hold Axis Bank accountable.
- Guiding her to escalate formally to Axis Bank Nodal Officer and RBI Banking Ombudsman.
- Providing pre-drafted templates for official complaint letters and escalation notices.
Applicable Legal and Regulatory Framework
| Issue Type | Applicable Law / Regulation | Authority to File Complaint |
|---|---|---|
| Unauthorized ECS Charges | Banking Regulation Act, 1949 | Axis Bank Nodal Officer / Grievance Redressal Cell |
| Consumer Rights Violation | Consumer Protection Act, 2019 | Consumer Forum / National Consumer Helpline |
| RBI Banking Guidelines | ECS / Debit Transactions Guidelines | Reserve Bank of India Ombudsman |
Step-by-Step Guide to Resolve ECS Charge Issues
- Document All Charges:
Take screenshots of bank statements showing ECS debits. - Raise a Written Complaint:
Submit complaint with detailed transaction list to Axis Bank Nodal Officer. - Request Immediate Reversal:
Clearly demand full refund of unauthorized charges. - Escalate if Unresolved:
Approach Banking Ombudsman via RBI portal. - Use Choice4Voice.com:
Share verified complaints publicly to increase pressure for accountability. - Legal Recourse (if necessary):
File a complaint under Consumer Protection Act, 2019 for unauthorized banking deductions.
Complainant Author
Name: Vaishnavi Gurnule
Position: Recruitment & HR Operations Professional
Source: Public LinkedIn post
Q&A About Unauthorized Bank ECS Charges
Q1. What are ECS return charges?
A1. ECS (Electronic Clearing Service) return charges occur when a debit mandate fails, usually due to insufficient funds. However, banks must notify customers prior to debiting accounts.
Q2. Can Axis Bank deduct ECS charges without prior notice?
A2. No, it violates RBI banking guidelines and lacks transparency.
Q3. How can I verify unauthorized ECS deductions?
A3. Check account statements regularly and identify debits labeled as “ECS Return Charges.”
Q4. Who should I contact first?
A4. Axis Bank branch manager or Nodal Officer, providing complete details of unauthorized charges.
Q5. How long does the bank have to respond?
A5. RBI mandates acknowledgment within 7 days and resolution within 30 days for such complaints.
Q6. Can I get a full refund?
A6. Yes, if charges are unauthorized or incorrectly debited, banks must reverse them immediately.
Q7. What evidence should I maintain?
A7. Screenshots, transaction IDs, emails, and call logs for escalation.
Q8. Can I escalate to RBI?
A8. Yes, submit a complaint to Banking Ombudsman online with all supporting documents.
Q9. What if the bank ignores my complaint?
A9. Approach Consumer Forum under the Consumer Protection Act, 2019, after RBI escalation.
Q10. Can repeated ECS charges be considered a deficiency of service?
A10. Yes, continuous unauthorized debits are a serious service deficiency.
Q11. Should I rely on verbal assurances from bank staff?
A11. No, written confirmation is legally recognized.
Q12. How long can the Ombudsman process take?
A12. Typically 30–45 days depending on complexity.
Q13. Can social media help resolve complaints?
A13. Yes, public awareness pressures banks to act faster.
Q14. Are all branches accountable?
A14. Yes, all branches and nodal officers are under RBI and legal oversight.
Q15. Can ECS deductions happen for long-past periods?
A15. No, banks cannot retroactively debit without prior communication.
Q16. Are banks allowed to close complaints silently?
A16. No, premature closure without resolution is a violation of consumer rights.
Q17. What regulatory body monitors ECS deductions?
A17. Reserve Bank of India (RBI) monitors and enforces rules for electronic debits.
Q18. Can I claim compensation for mental stress caused?
A18. Yes, Ombudsman may award compensation for inconvenience and distress.
Q19. What is the first step if customer care is unhelpful?
A19. Immediately escalate to Nodal Officer in writing.
Q20. How can Choice4Voice.com help?
A20. Provides public visibility, guides formal escalation to RBI, and offers pre-drafted legal templates for faster resolution.
