Rupesh Mishra raises a complaint against Axis Bank for receiving 100+ unsolicited credit card calls and being misled about a “pre-approved” card shipment. Choice4Voice.com highlights the issue, possible legal remedies, and customer rights under Indian law.
Complaint Summary Table : Axis Bank Complaint: Rupesh Mishra Alleges Harassment by Unsolicited Credit Card Calls
| Details | Information |
|---|---|
| Complainant Name | Rupesh Mishra |
| Not disclosed | |
| Company/Brand | Axis Bank |
| Complaint Type | Unsolicited Sales Calls / Privacy Violation |
| Product/Service | Credit Card Sales |
| Issue Description | Over 100 unsolicited calls received; misleading claim of “pre-approved” card shipment; privacy concerns |
| Date of Incident | September 2025 |
| Company’s Response | No official response yet |
| Additional Comments | Calls continued despite multiple requests to stop |
About the Complainant
Rupesh Mishra is a professional working in quality assurance, financial crime investigation, fraud detection, and training. With his expertise in fraud and compliance, his allegation against Axis Bank carries weight and highlights serious issues in responsible banking practices.
About the Brand – Axis Bank
Axis Bank is one of India’s largest private sector banks. While it offers a wide range of financial products, the bank has often been criticized for aggressive credit card sales practices, including unsolicited calls, mis-selling, and harassment of customers despite requests to opt out.
Legal Remedies Available Against Unsolicited Calls
Consumers facing harassment from unsolicited banking calls can seek remedies under the following laws:
- TRAI Regulations (Telecom Regulatory Authority of India)
- Customers can register complaints for Do Not Disturb (DND) violations.
- RBI Guidelines on Fair Banking Practices
- Banks must respect customer privacy and cannot issue pre-approved cards without consent.
- Consumer Protection Act, 2019
- Filing a complaint for unfair trade practices and harassment.
- Indian Penal Code (IPC)
- Section 506 – Criminal intimidation if threats are involved.
- Section 420 – Cheating and misrepresentation.
- Compensation Claims
- Consumers can claim damages for harassment, mental agony, and misuse of personal data.
Choice4Voice.com’s Role
At Choice4Voice.com, we ensure consumer voices are heard when big brands ignore their concerns.
- This article is the first step to highlight the issue publicly.
- If Axis Bank does not act, Choice4Voice.com will assist the complainant in filing a consumer case or approaching the Banking Ombudsman.
- We also help with drafting legal notices and preparing evidence for regulatory complaints.
Format to File a Consumer Complaint
- Complainant Details: Name, contact info.
- Bank Details: Axis Bank branch and customer care contact.
- Incident Summary: Dates, number of calls, misleading representations.
- Evidence: Call logs, recordings, screenshots of SMS/emails.
- Relief Sought: Permanent stop to calls, written apology, compensation.
- Declaration: Signed statement confirming facts.
20 Frequently Asked Questions (FAQs)
Q1. How can I stop unsolicited credit card calls from Axis Bank?
A: Register on the DND (Do Not Disturb) list and file a complaint with TRAI if calls continue.
Q2. Can Axis Bank send a credit card without my consent?
A: No. RBI has strictly prohibited issuance of unsolicited cards.
Q3. What happens if a bank still issues a card without consent?
A: The customer is not liable for any charges and can file a complaint.
Q4. Can I complain to RBI about harassment by bank calls?
A: Yes, complaints can be filed with the RBI’s Banking Ombudsman.
Q5. Is it legal for Axis Bank to say “pre-approved card is being shipped”?
A: No, unless you have explicitly applied and accepted terms.
Q6. How to file a TRAI complaint for unsolicited calls?
A: Dial 1909 or visit the TRAI DND complaint portal.
Q7. Can I take Axis Bank to consumer court for harassment?
A: Yes, under the Consumer Protection Act, 2019.
Q8. Can I claim compensation for repeated unsolicited calls?
A: Yes, mental harassment claims are valid in consumer disputes.
Q9. What proof should I collect before filing a case?
A: Call records, call frequency logs, screenshots, and emails.
Q10. Can a bank share my personal number without consent?
A: No, sharing customer data without permission is illegal.
Q11. Can unsolicited banking calls be considered fraud?
A: If misrepresentation is involved, yes.
Q12. Can I block Axis Bank’s telemarketing numbers?
A: Yes, but using TRAI’s DND complaint system ensures accountability.
Q13. Can the Banking Ombudsman penalize Axis Bank?
A: Yes, the Ombudsman can impose fines and order compensation.
Q14. What if Axis Bank ignores my written complaint?
A: Escalate to the RBI Ombudsman or file a consumer case.
Q15. Can unsolicited calls affect my credit score?
A: No, but unauthorized card applications might.
Q16. Are there any penalties on banks for DND violations?
A: Yes, TRAI imposes monetary penalties on telemarketers and banks.
Q17. How long does it take to resolve such a complaint?
A: Ombudsman complaints may take 30–60 days. Consumer courts may take longer.
Q18. Can I file a police complaint for harassment calls?
A: Yes, especially if threats or fraud are involved.
Q19. What is the RBI’s stance on unsolicited credit cards?
A: RBI has banned the practice and mandates penalties for violations.
Q20. How does Choice4Voice.com help in such cases?
A: By featuring complaints, guiding consumers with complaint formats, and assisting with legal or ombudsman filings.
Original LinkedIn Complaint Reference
View Rupesh Mishra’s LinkedIn Post
