Abhishek Giri reports Axis Bank (Boring Road Branch, Patna) for a 16-day delay in opening a current account despite repeated follow-ups. Choice4Voice.com highlights unresolved banking complaints and provides legal guidance for business customers facing delays.
Complaint Summary Table : Axis Bank Complaint by Abhishek Giri – Delayed Current Account Activation
| Complainant Name | Abhishek Giri |
|---|---|
| Company / Brand | Axis Bank |
| Branch | Boring Road Branch, Patna |
| Complaint Type | Delay in Current Account Activation / Poor Customer Service |
| Product / Service | Current Account |
| Issue Description | Account activation pending for 16 days despite promised 10-day process. Repeated follow-ups yielded no resolution, and Relationship Manager showed negligence. |
| Date of Incident | 1 week ago (from post date) |
| LinkedIn Post URL | Original Post |
About the Brand: Axis Bank
Axis Bank is a leading private sector bank in India, offering retail and corporate banking solutions, digital services, and investment products. The bank has a wide branch network and is known for business banking services. However, repeated complaints indicate lapses in customer service, account activation, and internal process efficiency.
Key Facts:
- Founded: 1993
- Headquarters: Mumbai, Maharashtra, India
- Services: Current Accounts, Savings Accounts, Loans, Credit Cards, Digital Banking, Corporate Banking
About the Author: Abhishek Giri
Abhishek Giri is a Front-End Developer specializing in React JS. He shared his experience on LinkedIn regarding a significant delay in activating his current account with Axis Bank (Boring Road Branch, Patna). Despite timely application and follow-ups, his account remained inactive, highlighting inefficiency in the bank’s internal processes.
Detailed Complaint Overview
Abhishek Giri’s complaint highlights the following issues:
- Delayed Account Activation: Account pending for 16 days, exceeding the promised 10-day processing time.
- Poor Customer Service: Relationship Manager failed to provide transparent updates and accountability.
- Impact on Business Operations: Delay in current account activation affects business transactions and operations.
- Internal Process Lapses: Lack of urgency and transparency reflects poorly on the bank’s internal procedures.
Possible Legal Charges
- Consumer Protection Act, 2019: Deficiency in banking services due to delayed account opening.
- RBI Guidelines Violation: Banks are mandated to follow reasonable timelines for account activation and maintain proper customer communication.
- Civil Liability: Failure to provide timely banking services may lead to claims for financial inconvenience and loss of business opportunity.
Departments Where Complaint Can Be Filed
| Department / Authority | How Choice4Voice.com Can Help |
|---|---|
| Axis Bank Branch / Grievance Cell | Assistance in escalating complaints internally with proof of delays. |
| Reserve Bank of India (RBI) Banking Ombudsman | Guide in filing complaint for deficiency in service and delayed account activation. |
| Consumer Forum / District Consumer Court | Assistance in filing complaint for delayed banking service causing inconvenience. |
| Lokayukta / Legal Authorities | Help escalate unresolved issues to legal authorities if internal and RBI resolution fails. |
How Choice4Voice.com Can Help
- Complaint Publication: Feature the account activation delay publicly on Choice4Voice.com to draw attention.
- Direct Engagement: Contact Axis Bank to demand timely activation and accountability from staff.
- Legal Assistance: Help escalate the complaint to RBI Ombudsman or Consumer Forum if unresolved.
- Step-by-Step Guidance: Provide templates for grievance letters and escalation emails.
- Continuous Follow-Up: Track progress until the current account is activated.
Frequently Asked Questions (FAQ)
- How long should it take to open a current account with Axis Bank?
- Typically 7–10 business days; delays beyond this may be considered deficiency in service.
- What should I do if my account activation is delayed?
- Escalate to the branch manager, grievance cell, RBI Ombudsman, or Choice4Voice.com for assistance.
- Can a delay in account activation be legally challenged?
- Yes, under the Consumer Protection Act for deficiency in service.
- Does RBI have guidelines for account activation timelines?
- Yes, banks must follow reasonable timelines and maintain transparent communication with customers.
- How can Choice4Voice.com help business customers?
- We feature complaints publicly, engage banks directly, and provide legal support for escalation.
- Can I escalate if the branch manager ignores my request?
- Yes, file with RBI Ombudsman or Consumer Forum. Choice4Voice.com provides step-by-step guidance.
- Are delays in account activation common with private banks?
- While not frequent, complaints indicate lapses can occur, especially with new accounts.
- Can I claim damages for business losses due to delayed account activation?
- Yes, if financial or operational loss can be demonstrated.
- What documents are needed for escalation?
- Application receipt, proof of follow-ups, emails, or chat records.
- Can Choice4Voice.com maintain anonymity?
- Yes, your personal information is kept confidential while filing complaints.
- How long does RBI Ombudsman take to resolve such complaints?
- Typically 30–45 days depending on the complexity.
- Can multiple complaints strengthen my case?
- Yes, repeated instances provide stronger evidence of service deficiency.
- Is the Relationship Manager accountable for delays?
- Yes, internal staff can be held responsible under banking grievance procedures.
- Does publishing the complaint online help?
- Yes, public visibility often accelerates resolution.
- Can Choice4Voice.com file complaints on my behalf?
- Yes, we provide full support including drafting and escalation.
- What if Axis Bank provides no resolution after escalation?
- Complaint can be escalated to RBI Ombudsman or Consumer Forum with Choice4Voice.com guidance.
- Are online complaints as effective as in-person escalation?
- Online complaints with documentation and public visibility often lead to faster action.
- What remedies can RBI Ombudsman provide?
- Directions to the bank for account activation, compensation for delays, or corrective action against staff.
- Can delays in current account activation affect business transactions?
- Yes, it can disrupt payments, salaries, and operational finance.
- Why use Choice4Voice.com instead of directly approaching the bank?
- We combine public visibility, expert escalation, and legal support for faster and effective resolution.
