Tarun Sharma, an associate consultant, accuses Axis Bank of ignoring repeated requests for a No Dues Certificate, even after clearing dues in 2024. The delay is now affecting his credit score.
🚨 Customer’s CIBIL Score at Risk as Axis Bank Delays No Dues Certificate Despite Cleared Dues
Date of Complaint: August 6, 2025
Complainant: Mr. Tarun Sharma
Platform: Axis Bank
Issue Reported: Delayed issuance of No Dues Certificate for a cleared credit card
Resolution Demanded: Immediate issuance of NOC and correction in credit report
📌 Source of Complaint
This complaint was originally shared on LinkedIn by Mr. Tarun Sharma.
Original LinkedIn Post URL
👤 About the Complainant : Axis Bank Faces Backlash for Delayed No Dues Certificate, Impacting Customer’s Credit Profile
| Name | Tarun Sharma |
|---|---|
| Profession | Associate Consultant |
| Specialization | Strategic Client Solutions |
| Complaint Posted On | August 6, 2025 |
| LinkedIn Profile | Verified Professional |
🧾 Case Overview
Tarun Sharma has brought forward a serious issue involving Axis Bank’s failure to issue a No Dues Certificate (NOC) for a Shoppers Stop co-branded Citibank Credit Card, which was later transferred under Axis Bank.
Key Timeline:
- Card Issued: 2019 (Citibank – Shoppers Stop co-branded, now handled by Axis Bank)
- Last Transaction & Full Payment Made: ₹779.77 paid on September 29, 2024
- Complaint Highlighted: August 6, 2025
- Latest Update on CIBIL: Card still reflects as active in July 2025
🧩 Core Issues Raised
Mr. Sharma outlines a series of grievances that paint a picture of customer service failure:
- Despite confirming that all dues were cleared in 2024, Axis Bank continues to reflect the card in his CIBIL credit report.
- Daily follow-ups and calls to customer care resulted only in generic reassurances.
- Multiple escalations to senior managers, and even emails to the CEO and CFO of Axis Bank, have failed to yield any progress.
- The bank has acknowledged the technical issue but has not resolved it even after more than 10 days.
🧨 Consequences for the Customer
Mr. Sharma states that the delay is actively harming his financial profile:
- He discovered the unresolved card record while applying for a loan on July 28, 2025.
- The presence of the card in his CIBIL report, despite full settlement, could negatively impact his creditworthiness.
- Axis Bank’s lack of transparency and resolution is now affecting his financial planning and future borrowing ability.
❓ Critical Questions Raised by the Complainant
“If you have all my records and can clearly see that my dues are cleared, why is it taking more than 10 days to issue a basic No Dues Certificate?”
Mr. Sharma raises a valid concern that reflects a systemic flaw in Axis Bank’s customer support operations.
🏦 About the Disputed Credit Card
- Issuer (Initially): Citibank (Co-branded with Shoppers Stop)
- Now Handled By: Axis Bank, following acquisition
- Status as per Customer:
- Card lost shortly after issuance
- Never used for transactions
- ₹779.77 paid in full as final settlement
- NOC requested but not issued as of August 2025
📣 Public Appeal and Call for Accountability
Mr. Sharma concludes his public post by urging Axis Bank leadership to take accountability and issue the No Dues Certificate without further delay.
He uses strong, widely-used hashtags to amplify his post:
- #AXISBank
- #CustomerExperience
- #CreditScore
- #NoDues
- #CIBIL
- #TransparencyMatters
- #RaiseYourVoice
🏢 About Axis Bank
Axis Bank is India’s third-largest private sector bank, with millions of retail and corporate customers. It acquired Citibank’s consumer business in India in 2023, which included co-branded credit cards. However, this complaint highlights potential operational and data migration challenges that are now causing customer distress.
📌 Original LinkedIn Complaint
You can view the original post shared by Tarun Sharma here:
Original Post: Link
📝 Disclaimer
This article is based on information shared publicly by Mr. Tarun Sharma via his verified LinkedIn profile. The original post can be viewed through the link provided.
Choice4Voice.com is an independent consumer advocacy platform dedicated to amplifying real consumer voices and holding companies accountable.
📮 Facing a Similar Issue? We’re Here to Help
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