Google Lead Software Test Engineer Syeda Lubna Farha accuses Axis Bank of unethical practices: issuing an unauthorized credit card, false statements, and damaging her CIBIL score. Full details and consumer rights explained on Choice4Voice.com
Note: If this issue has been resolved, the concerned brand (Axis Bank) or the complainant (Syeda Lubna Farha) can inform us at Support@Choice4Voice.com. Upon confirmation, we will update the status of this article to “Resolved” or remove it from our platform.
Complaint Summary : Axis Bank Accused of Issuing Unauthorized Credit Card and Damaging Customer’s CIBIL Score Serious Consumer Complaint by Syeda Lubna Farha
| Complainant Name | Syeda Lubna Farha |
|---|---|
| Profession | Lead Software Test Engineer at Google |
| Company Concerned | Axis Bank |
| Nature of Complaint | Unauthorized Credit Card Issuance, False Payment Statements, CIBIL Impact |
| Key Issues | Unauthorized card, false statements, reported to credit bureau, damaged credit score, false assurances |
| Loss / Damage | Severe impact on creditworthiness and reputation |
| Status | Unresolved |
| Original Post Source | LinkedIn Post by Syeda Lubna Farha |
Detailed Complaint
Syeda Lubna Farha, a Lead Software Test Engineer at Google, has publicly raised a serious allegation against Axis Bank.
According to her statement, Axis Bank:
- Issued a credit card without her consent.
- Generated a false payment statement on the card.
- Reported her to the CIBIL bureau despite her not being an official customer.
- As a result, her credit score was blocked, severely impacting her financial credibility.
- Despite multiple complaints, the bank allegedly offered false assurances, asking for payments with promises of clearing her name, but no corrective action was taken.
This not only highlights severe lapses in customer service but also raises concerns of fraudulent and unethical banking practices.
Such practices can cause long-term damage to consumers’ financial health, preventing them from getting loans, credit cards, or other financial services.
Why This Complaint Matters
- Consumer Rights Violation: If proven, issuing a credit card without consent is a clear violation of RBI guidelines.
- Financial Damage: An impacted CIBIL score can block a person’s ability to secure loans or credit for years.
- Banking Accountability: It raises the question of how secure customer data and financial services really are in India.
How Choice4Voice.com Helps Consumers
At Choice4Voice.com, we help consumers like Syeda amplify their concerns so that companies take them seriously.
Here’s how we support consumers:
- Submit Your Complaint: Consumers can directly file their complaints through our official page: Submit Your Complaint.
- Public Visibility: Complaints are published on Choice4Voice.com and shared on LinkedIn to pressure companies into resolving issues.
- Non-Profit Initiative: We are a consumer advocacy platform, not a profit-driven business. Our mission is to ensure customer voices are heard.
- Tag Us on LinkedIn: If consumers tag our page in their LinkedIn posts, we create professional complaint articles to highlight their cases further.
- Resolution Updates: Once an issue is resolved, we mark the article as “Resolved” or remove it upon confirmation from the consumer or company.
This process ensures transparency, accountability, and real consumer empowerment.
Most Asked Questions on Credit Card Frauds & Consumer Rights
Q1. Can a bank issue a credit card without my consent?
No. As per RBI guidelines, no bank can issue a credit card without the customer’s explicit application and consent.
Q2. What should I do if a bank issues me a card without consent?
Immediately raise a dispute in writing with the bank, keep acknowledgment, and escalate to the RBI Ombudsman if unresolved.
Q3. Can unauthorized issuance of a credit card be considered fraud?
Yes. It qualifies as fraudulent and unethical banking practice.
Q4. What legal action can be taken against such banks?
You can file a complaint with RBI Ombudsman, approach the Consumer Court, or file an FIR for fraud.
Q5. How can an unauthorized card affect my CIBIL score?
If reported wrongly, it will show as unpaid dues, directly reducing your credit score and credibility.
Q6. How long does it take to correct false CIBIL entries?
It usually takes 30–60 days after the bank reports correction to CIBIL.
Q7. Can I dispute a wrong entry in my CIBIL report?
Yes. You can raise a dispute directly with CIBIL and provide supporting documents.
Q8. What compensation can I claim if my credit score is damaged?
You can demand financial compensation for mental harassment, financial loss, and legal costs through Consumer Court.
Q9. Are banks accountable for data misuse?
Yes. Banks are liable under RBI regulations and the Information Technology Act for misuse of customer data.
Q10. What documents should I maintain when raising such disputes?
Keep complaint acknowledgment emails, call records, CIBIL reports, and any written communication.
Q11. Can a bank demand payment on an unauthorized card?
No. You are not liable to pay dues for a card you never applied for.
Q12. How can I escalate complaints within Axis Bank?
First to branch/manager → Nodal Officer → Principal Nodal Officer → RBI Ombudsman.
Q13. What is the RBI Ombudsman Scheme?
A government-regulated grievance redressal system where consumers can escalate unresolved complaints against banks.
Q14. Can such cases affect my loan approvals?
Yes. Low CIBIL scores caused by false reporting can block loan approvals.
Q15. Is there any penalty for banks in such cases?
Yes. RBI can penalize banks heavily for unauthorized card issuance and wrongful reporting.
Q16. What if the bank keeps giving false assurances?
Do not rely only on verbal promises—document everything and escalate legally.
Q17. Can Axis Bank be sued for defamation in this case?
Yes, if proven, wrongful reporting damaging reputation can be grounds for defamation.
Q18. Should the victim file a cybercrime complaint too?
Yes, especially if there is identity misuse or fraudulent activity.
Q19. How do I check my CIBIL score regularly?
Through CIBIL’s official website or authorized banking portals.
Q20. Can Choice4Voice.com help in such financial disputes?
Yes. While we don’t provide legal representation, we highlight complaints publicly to pressure companies into resolving them quickly.
Conclusion
The complaint raised by Syeda Lubna Farha against Axis Bank is a serious consumer issue involving alleged fraud, unethical banking practices, and violation of RBI norms.
Such cases not only harm individuals but also shake public trust in the banking system. Customers must know their rights, keep records, and escalate through proper legal and regulatory channels.
At Choice4Voice.com, we are committed to amplifying consumer complaints so that powerful corporations are held accountable.
👉 If you are facing a similar issue, you can submit your complaint here: Submit Your Complaint.
