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Submit your complaint →Senior Software Engineer Mainak Kumar accuses Axis Bank’s Garia Branch of fabricating an “NCRP freeze” excuse to withhold his funds. Learn about his shocking discovery and available legal remedies.
Complaint Summary : Axis Bank Garia Branch Accused by Mainak Kumar for False NCRP Freeze – Funds Withheld Without Proof
| Complainant Name | Mainak Kumar |
|---|---|
| Profession | Senior Software Engineer at UKG (Ex-Pine Labs, ThoughtWorks) |
| Company Name | Axis Bank |
| Branch Involved | Garia Branch, Kolkata |
| Nature of Complaint | Account funds withheld and false claim of “NCRP freeze” |
| Primary Issue | Misleading statements, refusal to share proof, and delayed fund release |
| Date of Incident | October 2025 |
| Current Status | Unresolved |
Full Complaint Details
In a concerning case that raises questions about transparency and ethics in India’s banking sector, Mainak Kumar, a Senior Software Engineer at UKG, has accused Axis Bank (Garia Branch, Kolkata) of fabricating a false “NCRP freeze” claim to unlawfully withhold his funds after account closure.
According to Mainak, Axis Bank staff initially informed him that his account had been “frozen by NCRP.” However, when he requested an acknowledgment ID or official proof, both the Branch Manager and Operations Head allegedly refused to provide any documentation instead instructing him to visit the NCRP office on his own.
When Mainak visited the NCRP office, officials were reportedly shocked to hear about the claim and confirmed that no such freeze order had been issued. This revelation directly contradicted Axis Bank’s explanation.
Upon confronting the bank again, the story changed multiple times first citing a “central government agency,” and later, through email, claiming the Ministry of Home Affairs was involved. These inconsistent explanations indicate a severe lack of accountability within the branch’s management.
Key Allegations Raised by the Complainant:
- Axis Bank staff lied multiple times about the status of his account.
- The bank withheld funds without any valid documentation.
- Branch officials refused to share proof or transparency regarding the freeze claim.
- Repeated delays and contradictory explanations caused distress and financial loss.
Mainak described this experience as “deception, plain and simple,” highlighting how the branch’s behavior reflected arrogance, irresponsibility, and dishonesty. He emphasized that this is not just about one customer’s money but about trust, ethics, and the credibility of India’s financial institutions.
He further urged the Reserve Bank of India (RBI) to take strict action against Axis Bank, calling the conduct of its staff “unacceptable and unprofessional.”
How Choice4Voice.com Can Help
At Choice4Voice.com, we stand with consumers like Mainak who face negligence or unethical treatment from large financial institutions.
If your bank has withheld your funds, ignored your complaints, or misled you with false information, our platform can help by:
- Publishing your verified complaint to raise awareness.
- Highlighting your case on LinkedIn and Google to ensure accountability.
- Guiding you through the legal process to file official complaints.
Legal Remedies Available
1. RBI Banking Ombudsman Complaint
- Visit: https://cms.rbi.org.in
- Select “Lodge Complaint” and choose Axis Bank as the entity.
- Mention all communications and attach proof of misleading responses.
- RBI may impose penalties for wrongful fund withholding or misrepresentation.
2. Consumer Court (District or State Commission)
- File a case under Section 35 of the Consumer Protection Act, 2019.
- Claims can include compensation for mental harassment, financial loss, and negligence.
- Seek refund of withheld funds plus additional damages.
3. Ministry of Finance (Banking Division) Grievance
- File an online complaint through https://pgportal.gov.in.
- Choose “Department of Financial Services (Banking Division)” and include details of your case.
4. Cybercrime & Fraud Reporting
If you suspect manipulation of records or unauthorized freezing of your account:
- Report at https://cybercrime.gov.in.
- Choose “Online Financial Fraud” and provide the relevant account details.
Sample Complaint Email Template to RBI Ombudsman
To: crpc@rbi.org.in
Subject: Complaint Against Axis Bank Garia Branch for Misleading “NCRP Freeze” Claim
Body:
Dear Sir/Madam,
I wish to lodge a formal complaint against Axis Bank, Garia Branch, Kolkata, for misleading me regarding a false “NCRP freeze” on my account and withholding my funds without documentation.
Despite multiple requests, the bank provided contradictory reasons and refused to share proof.Kindly investigate this matter urgently and initiate necessary regulatory action.
Regards,
[Your Name]
[Account Details / Contact Info]
Authorities to Contact
| Authority | Purpose | Website / Email |
|---|---|---|
| RBI Ombudsman | Banking misconduct, fund withholding | https://cms.rbi.org.in |
| Consumer Forum | Compensation for harassment | https://consumerhelpline.gov.in |
| Ministry of Finance | Escalation of serious banking lapses | https://pgportal.gov.in |
| Cybercrime Cell | False data entry or fraud | https://cybercrime.gov.in |
About Axis Bank
Axis Bank, one of India’s largest private sector banks, serves millions of customers through its extensive branch network. However, recent consumer reports suggest a pattern of opaque internal processes and inconsistent grievance redressal. Complaints like Mainak Kumar’s raise critical questions about the bank’s customer handling practices and adherence to regulatory standards.
Conclusion
The case of Mainak Kumar vs. Axis Bank (Garia Branch) exposes the growing issue of misrepresentation and negligence in customer handling within major financial institutions.
Such incidents highlight the urgent need for regulatory enforcement and consumer awareness. Banks must prioritize honesty and transparency if they wish to maintain public trust.
If you’ve faced a similar issue, you can share your story at Choice4Voice.com to help expose unethical practices and demand justice.
Q&A Section
Q1. What is the NCRP and can it freeze bank accounts?
The NCRP (National Cybercrime Reporting Portal) cannot freeze accounts directly. Only law enforcement or regulatory bodies can request a freeze via official documentation.
Q2. What should I do if my bank falsely claims my account is frozen by NCRP?
Immediately visit the NCRP office or contact their helpline to verify. If no freeze exists, file a written complaint to the bank and the RBI Ombudsman.
Q3. How long can a bank withhold my funds after account closure?
Banks are expected to release balances within 7 working days post-closure, unless a legitimate freeze order exists.
Q4. Can I take legal action against a bank for lying or withholding funds?
Yes. You can file a complaint with the RBI Ombudsman, Consumer Court, and even initiate legal proceedings for damages.
Q5. What evidence is required for an RBI Ombudsman complaint?
Include account details, communication copies, and written responses (if any) from the bank that show inconsistencies or delays.
Q6. Can the bank refuse to share freeze order details?
No. If a freeze exists, the bank is legally required to provide you with an official copy or reference ID.
Q7. What is the penalty for banks misrepresenting facts to customers?
Under RBI guidelines, such acts can attract strict penalties and reputational consequences for the bank and its management.
Q8. How can Choice4Voice.com help victims of banking negligence?
We amplify verified consumer complaints online to ensure visibility, accountability, and faster resolutions.
Q9. What if the bank ignores RBI Ombudsman orders?
The complainant can escalate to the Appellate Authority at RBI for further action.
Q10. Is mental harassment compensable in consumer court?
Yes, the Consumer Protection Act allows claims for both financial and emotional distress caused by service deficiency.
Q11. Can I get compensation for delays caused by banks?
Yes. If proven negligent, banks can be directed to pay compensation and refund charges.
Q12. Are false claims about NCRP punishable?
Yes, misusing government agency names or making false claims may lead to legal consequences under the Indian Penal Code.
Q13. How long does RBI Ombudsman take to resolve cases?
Usually 30 to 60 days, depending on complexity and evidence availability.
Q14. Can I approach consumer court and RBI simultaneously?
Yes, both can be approached separately for regulatory and compensatory actions.
Q15. Can banks freeze accounts without prior notice?
Only under government or court orders. Otherwise, prior written notice is mandatory.
Q16. What should I mention in a bank grievance email?
Always include account details, issue summary, reference numbers, and copies of past communication.
Q17. How can I verify if my account is under a legitimate freeze?
Ask the bank for the order copy or contact the concerned agency directly for confirmation.
Q18. What are my rights if my bank lies about regulatory action?
You have the right to demand written proof, escalate to regulators, and seek compensation in consumer court.
Q19. Can RBI take direct action against bank employees?
RBI can direct the bank to investigate and discipline responsible employees, or escalate to law enforcement if needed.
Q20. Where can I publicly share my complaint for awareness?
You can publish verified complaints on Choice4Voice.com, where genuine cases are amplified on Google and LinkedIn for maximum visibility.
