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Submit your complaint →Accenture Associate Prakash Nikam shares his grievance against Axis Bank’s Kalyan East Branch after his salary account was frozen, later closed without notice, and his Relationship Manager blocked him. The complaint highlights negligence, ego-driven service, and mental distress. Learn the full case, legal options, and how Choice4Voice.com helps victims of banking misconduct.
Complaint Summary : Axis Bank Account Freeze Complaint: Accenture Associate Prakash Nikam Accuses Kalyan East Branch of Negligence and Ego-Driven Misconduct
| Particulars | Details |
|---|---|
| Complainant Name | Prakash Nikam |
| Profession | Associate at Accenture |
| Concerned Bank | Axis Bank |
| Branch | Kalyan East Branch |
| Issue Highlighted | Salary account frozen and later closed without notice |
| Relationship Manager | Sapna Shravankumar Meena |
| Bank Manager | Dhawale Madam |
| Date of Issue | Account opened August 2025, frozen on October 1, 2025 |
| Complaint Raised On | LinkedIn (October 2025) |
| Current Status | Unresolved; customer awaiting DD and communication |
| Original Source | LinkedIn post by Prakash Nikam |
Full Complaint Write-Up
Prakash Nikam, an Associate at Accenture, recently took to LinkedIn to share his frustration with Axis Bank’s Kalyan East Branch, alleging negligence, lack of communication, and unprofessional conduct by bank officials.
According to Prakash, he opened his salary account in August 2025 under Axis Bank. However, just a month later, on October 1, 2025, the account was suddenly frozen without prior notice.
When he contacted his Relationship Manager (RM) Sapna Shravankumar Meena, she assured him that the account would be unfrozen within 10–15 days. But weeks passed with no progress.
Frustrated, Prakash personally visited the Kalyan East Branch, where the Branch Manager (Dhawale Madam) informed him that his account had been closed entirely and that a Demand Draft (DD) would be issued on October 27 or 28, 2025.
However, even by that date, Prakash did not receive any communication or DD from Axis Bank. Shockingly, his Relationship Manager blocked him on calls, allegedly because of his repeated follow-ups.
“Please try to understand from a humanity view,” wrote Prakash. “I have multiple EMIs pending because the bank froze my salary account out of ego and negligence.”
He concluded by urging Axis Bank to train its staff to be customer-focused rather than target-driven and requested immediate closure and refund.
Legal Case Can Be Filed
Based on the facts shared by Prakash Nikam, the following legal cases and consumer remedies can be filed. Each one can be supported through Choice4Voice.com, which assists in documentation, escalation, and public awareness.
- Consumer Protection Act, 2019
- For deficiency of banking service, harassment, and emotional distress.
- Choice4Voice.com can help prepare your complaint for filing before the District Consumer Forum, ensuring all facts and evidence are structured clearly.
- Banking Ombudsman under RBI CMS Portal
- For unjustified freezing or closure of a bank account.
- Choice4Voice.com assists in submitting cases through the RBI Complaint Management System (CMS), including draft complaint formats and escalation letters.
- Right to Fair Banking Practices (RBI Circular, 2021)
- Violated when the bank closes or freezes an account without valid reason or written notice.
- Choice4Voice.com helps customers document communication gaps and regulatory breaches for RBI escalation.
- Indian Penal Code (Section 406 – Criminal Breach of Trust)
- Applicable if funds are withheld or account mismanaged without lawful reason.
- Choice4Voice.com helps draft the initial police complaint (FIR) and connects complainants with appropriate consumer-rights lawyers.
- Information Technology Act, 2000 (Section 43A)
- For mishandling of digital account access or data.
- Choice4Voice.com helps register complaints via the National Cybercrime Portal (cybercrime.gov.in) if misuse or blocking occurs digitally.
- Mental Harassment and Deficiency of Service Claim
- Under Consumer Protection Act, Section 35, for humiliation or deliberate non-cooperation.
- Choice4Voice.com assists in preparing legal affidavits and compensation claim drafts.
How Choice4Voice.com Can Help
Choice4Voice.com is India’s independent consumer complaint and advocacy platform that helps individuals fight back against unfair corporate and banking practices.
Here’s how it works:
- Consumers submit their complaints via our official Google Form.
- The Choice4Voice team verifies authenticity, collects supporting evidence, and drafts the complaint into a publicly viewable article.
- These verified complaints are published on Choice4Voice.com and shared on LinkedIn to pressure companies into responding transparently.
- If the issue qualifies for legal action, Choice4Voice.com provides:
- Pre-drafted complaint templates for RBI, consumer forum, or police filing.
- Legal case identification (which laws and acts apply).
- Step-by-step guidance on escalation procedures.
Our mission is to give every consumer a public voice transforming ignored complaints into visible accountability.
Step-by-Step Complaint Filing Guide
1. Write to Axis Bank
- Email: customer.service@axisbank.com
- Subject: Urgent: Account Freeze & Relationship Manager Misconduct – Kalyan East Branch
- Body: Dear Sir/Ma’am,
I request immediate action on the freezing and closure of my Axis Bank salary account. I was not notified in writing, and my Relationship Manager has blocked my communication. Please resolve this urgently and confirm the DD issuance date.
Regards,
[Your Full Name]
[Account Number – last 4 digits]
2. Escalate to Nodal Officer
- Email: nodal.officer@axisbank.com
3. File with RBI Ombudsman
4. Consumer Forum
- File complaint at https://edaakhil.nic.in
Brand Background: Axis Bank
Axis Bank, one of India’s leading private sector banks, serves millions of customers across retail, credit card, and digital banking sectors. Despite its size and reputation, the bank has faced increasing consumer backlash for issues like:
- Poor grievance handling at branch level
- Account freezing without due notice
- Rude or non-responsive relationship managers
- Transparency gaps in customer communication
This case from Kalyan East Branch further highlights the urgent need for training and stronger customer empathy within the organization.
Author
Prakash Nikam is an Associate at Accenture, a global technology and consulting firm. With a professional background in corporate operations and systems management, he manages multiple financial commitments including EMIs through his salary account. His complaint against Axis Bank stems from genuine distress caused by unprofessional handling, poor customer support, and emotional harassment at the branch level.
Q&A About Axis Bank Account Freezing Complaints
Q1. What was Prakash Nikam’s main issue with Axis Bank?
His salary account was frozen and later closed without notice, and his Relationship Manager blocked him.
Q2. Which branch was involved?
Axis Bank, Kalyan East Branch.
Q3. Who was the Relationship Manager?
Sapna Shravankumar Meena.
Q4. Who was the Branch Manager?
Dhawale Madam.
Q5. When was the account frozen?
October 1, 2025.
Q6. What reason did Axis Bank give for the freeze?
No specific reason was communicated to the customer.
Q7. Did Prakash receive his DD (Demand Draft)?
No, he is still awaiting confirmation.
Q8. How did the Relationship Manager respond?
She allegedly blocked the customer after repeated follow-ups.
Q9. Can Axis Bank freeze a salary account without notice?
Only in cases of KYC non-compliance or legal orders, not arbitrarily.
Q10. What legal rights does a consumer have in such cases?
They can file under Consumer Protection Act and RBI Ombudsman.
Q11. Can wrongful freezing affect EMIs?
Yes, EMIs linked to that account may bounce, affecting credit score.
Q12. How can the customer escalate the issue?
Through Axis Bank’s Nodal Officer and RBI CMS Portal.
Q13. Can a consumer demand compensation?
Yes, for mental harassment and financial loss.
Q14. How can Choice4Voice.com assist?
By publishing the issue publicly and guiding legal escalation.
Q15. How long do such cases take to resolve?
Typically 30–60 days via Ombudsman; longer if escalated legally.
Q16. Can banks block communication from customers?
No, it violates RBI’s customer service code.
Q17. How can a consumer file a complaint online?
At https://cms.rbi.org.in or https://edaakhil.nic.in.
Q18. What documents are needed to file a case?
Account details, email communications, and screenshots of interactions.
Q19. Can the bank be penalized for such misconduct?
Yes, through RBI directives or consumer court orders.
Q20. What message does this case send to banks?
That customer respect, timely response, and accountability are essential in modern banking.
Conclusion
Prakash Nikam’s experience with Axis Bank reflects a concerning trend of customer mistreatment and service apathy in Indian banking.
Freezing a salary account without explanation or blocking a customer for follow-ups is unacceptable.
At Choice4Voice.com, we stand firmly with consumers like Prakash ensuring that genuine cases of misconduct reach the public eye and appropriate legal forums for justice.
