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Submit your complaint →Lead Engineer Bickramadittya Das shares his ordeal with Axis Bank after unauthorized auto-debit, lien-marked account, and unfulfilled compensation despite written assurance.
Complaint Summary : Axis Bank vs Bickramadittya Das – Customer Alleges Negligence and Mental Harassment Over Flexi Credit OD Issue | Choice4Voice.com
| Field | Details |
|---|---|
| Complainant Name | Bickramadittya Das |
| Complaint Type | Unauthorized Debit, Service Negligence, Mental Harassment |
| Company/Brand | Axis Bank |
| Product/Service | Flexi Credit OD Account |
| Service Request No. | 241219360458 |
| Incident Dates | 9th–10th October 2024 |
| Amount Involved | ₹1,39,844.92 (Auto-debited twice) + ₹33,000 lien balance |
| Branches Visited | Axis Bank Jamshedpur Main & Adityapur Branch |
| Escalations Made To | CEO Office, PNO Desk, Branches, Email Follow-ups |
| Current Status | Compensation promised but not received |
| Platform Used for Complaint | LinkedIn & Choice4Voice.com |
Complaint Overview
Bickramadittya Das, a Lead Electrical Engineer with over 12 years of experience in EPC, Smart Metering, and Utility Projects, has publicly shared his unresolved Axis Bank grievance involving unauthorized debits and persistent negligence.
According to Mr. Das, his Axis Bank Flexi Credit OD Account was opened on 7th April 2024 through the Axis Mobile App. On 9th and 10th October 2024, a total of ₹1,39,844.92 was auto-debited twice from his salary account without any manual initiation. To make matters worse, his remaining savings balance of approximately ₹33,000 was also lien-marked, leaving him financially stranded while he was attending to his father’s medical treatment in Jamshedpur.
Despite visiting both Axis Bank Jamshedpur Main and Adityapur Branches, Mr. Das claims he received no satisfactory explanation or assistance. Repeated emails and escalations to higher authorities including Axis Bank’s CEO Office and Principal Nodal Officer (PNO) Desk only resulted in generic, copy-paste replies.
Bank’s Written Acknowledgement
On 25th April 2025, Axis Bank’s PNO team acknowledged the delay in resolving the service request (SR No. 241219360458) and confirmed that compensation would be processed as per RBI guidelines.
However, even after Mr. Das promptly submitted his account details and a cancelled cheque, the compensation has not been credited, and the bank has remained unresponsive.
Adding to his distress, Mr. Das continues to receive automated reminders from Axis Bank stating that his account is inactive or overdue, despite having cleared all dues causing what he describes as “mental harassment” and “complete disregard for transparency.”
Key Issues Reported
- Unauthorized auto-debit of ₹1.39 lakh without customer initiation.
- Lien-marking of entire salary account balance during a family medical emergency.
- No clear explanation or written clarification provided by Axis Bank branches.
- Repeated automated harassment messages after settlement of dues.
- Non-payment of promised compensation despite written assurance from PNO team.
- Failure of grievance redressal mechanism at all escalation levels.
Consumer Impact
Mr. Das has described the experience as financially and emotionally draining. The prolonged delay and repeated harassment messages have caused him distress during an already difficult period involving his father’s treatment.
Consumers facing similar experiences risk:
- Financial hardship due to blocked or lien-marked funds
- Mental stress from repeated automated alerts
- Loss of trust in digital banking processes
- Violation of fair banking practices and RBI guidelines
Company Background
Axis Bank, one of India’s leading private sector banks, offers credit, savings, and overdraft services to millions of customers. However, in recent months, there has been a surge in public grievances related to:
- Unresolved digital transactions
- Delayed complaint resolutions
- Template-based customer support responses
Such repeated patterns highlight a growing concern over Axis Bank’s internal grievance-handling efficiency and transparency.
Legal Remedies Available
1. Consumer Protection Act, 2019
Mr. Das can file a complaint in the District Consumer Forum citing deficiency in service, mental harassment, and non-payment of compensation.
2. RBI Banking Ombudsman Scheme (2021)
Since Axis Bank failed to provide compensation despite written acknowledgment, he can escalate to the RBI Ombudsman at https://cms.rbi.org.in.
3. Data Protection and IT Act, 2000
Unauthorized auto-debits and misuse of customer data can also attract penalties under this Act.
How Choice4Voice.com Can Help
At Choice4Voice.com, we empower consumers like Bickramadittya Das to:
- Publish verified grievances to ensure corporate accountability.
- Get guidance on filing RBI Ombudsman and Consumer Forum cases.
- Use legal and complaint templates for formal escalation.
- Reach decision-makers directly through public visibility.
Our mission is to ensure every genuine complaint receives fair hearing and redressal.
Step-by-Step Escalation for Axis Bank Customers
- Email Axis Bank’s Nodal Officer:
📧 nodal.officer@axisbank.com - Use Axis Bank’s Grievance Redressal Page:
🔗 https://axisbank.com/grievance-redressal - If unresolved within 30 days:
File a case at the RBI Ombudsman Portal: https://cms.rbi.org.in - For mental harassment or compensation delays:
File a Consumer Court case citing “Deficiency in Service.”
Pre-Drafted Complaint Template (RBI Ombudsman)
Subject: Escalation – Non-Payment of Compensation and Mental Harassment by Axis Bank (SR No. 241219360458)
Dear Sir/Madam,
I am writing to escalate my unresolved complaint with Axis Bank regarding unauthorized debits and non-payment of compensation despite written assurance from their Principal Nodal Officer team dated 25 April 2025.
My Flexi Credit OD account was opened on 7 April 2024. On 9–10 October 2024, ₹1,39,844.92 was auto-debited twice from my salary account, and a lien was marked on my remaining savings. Despite multiple escalations and submission of documents, Axis Bank has not credited the promised compensation.
Kindly initiate an independent investigation under the RBI Banking Ombudsman Scheme.
Name: Bickramadittya Das
Service Request No.: 241219360458
Bank: Axis Bank
Issue: Unauthorized debit, compensation not paid
Date of escalation: 25 April 2025
Regards,
Bickramadittya Das
Applicable Legal Framework
| Authority / Law | Purpose |
|---|---|
| Consumer Protection Act, 2019 | Addresses service negligence and harassment claims |
| RBI Ombudsman Scheme, 2021 | Handles unresolved banking and compensation disputes |
| Information Technology Act, 2000 | Governs unauthorized digital transactions |
| Indian Penal Code, Section 403 | Criminal breach of trust in case of wrongful debit |
Q&A Section
Q1. Who is the complainant in this case?
A1. Mr. Bickramadittya Das, Lead Engineer with 12+ years of experience in power distribution and EPC projects.
Q2. Which bank is the complaint against?
A2. Axis Bank.
Q3. What is the primary issue?
A3. Unauthorized auto-debit, lien-marked balance, and non-payment of compensation.
Q4. What was the total amount auto-debited?
A4. ₹1,39,844.92 debited twice without customer authorization.
Q5. What date did Axis Bank acknowledge the delay?
A5. 25th April 2025.
Q6. Was compensation promised by Axis Bank?
A6. Yes, as per RBI guidelines, but not paid.
Q7. What mental harassment did the customer face?
A7. Repeated automated overdue messages despite zero dues.
Q8. What are the available legal options?
A8. RBI Ombudsman escalation or Consumer Forum case.
Q9. What is the service request number?
A9. SR No. 241219360458.
Q10. Which branches did he visit?
A10. Axis Bank Jamshedpur Main and Adityapur branches.
Q11. What law covers deficiency in service?
A11. Consumer Protection Act, 2019.
Q12. How to contact Axis Bank’s grievance team?
A12. Via nodal.officer@axisbank.com or grievance portal.
Q13. What portal handles banking complaints in India?
A13. https://cms.rbi.org.in.
Q14. What penalty applies for unauthorized debit?
A14. Compensation as per RBI guidelines plus damages.
Q15. Can consumers seek damages for mental harassment?
A15. Yes, through the Consumer Forum.
Q16. What should be attached when filing an Ombudsman complaint?
A16. Bank responses, transaction proof, and communication copies.
Q17. How long does RBI take to respond?
A17. Generally within 30 working days.
Q18. Is this a unique incident?
A18. No, several customers have reported Axis Bank auto-debit errors.
Q19. What assistance does Choice4Voice.com offer?
A19. Legal drafting help, complaint publication, and awareness outreach.
Q20. What outcome does the complainant seek?
A20. Immediate compensation, closure of OD account alerts, and apology from Axis Bank.
