Ankita Gupta highlights delayed dispatch of her father’s Axis Bank credit card from Samana branch, Patiala. Choice4Voice.com details the complaint and potential legal remedies.
Axis Bank – Credit Card Dispatch Delay Complaint by Ankita Gupta
At Choice4Voice.com, we bring attention to banking service deficiencies affecting customers. This case involves Ankita Gupta, reporting that her father’s Axis Bank credit card, applied for on 17th August 2025, has not been received despite confirmation of issuance on 20th August 2025.
Multiple follow-ups with the bank have resulted in misleading information and non-functional tracking numbers, causing frustration and loss of trust.
Complaint Summary
| Details | Information |
|---|---|
| Complainant Name | Ankita Gupta |
| Not disclosed | |
| Not disclosed | |
| Company/Brand | Axis Bank, Samana Branch, Patiala |
| Complaint Type | Non-receipt of Credit Card / Service Deficiency |
| Product/Service | Axis Bank Credit Card |
| Order/Service No. | Not provided |
| Issue Description | Credit card applied on 17th Aug 2025, confirmed issued on 20th Aug, but never received. Tracking numbers provided (Blue Dart POD: 68167380, Speed Post: JG455312026) not traceable. |
| Date of Incident | August 17–September 2025 |
| Company’s Response | Misleading updates; no resolution provided |
| Additional Notes | Senior citizen affected; multiple follow-ups ignored |
Full Complaint Details
Ankita Gupta reported that her father applied for an Axis Bank credit card on 17th August 2025. The bank informed them that the card was issued on 20th August 2025.
However:
- The card has not been received to date.
- The Blue Dart POD number 68167380 was shared, but no record was found.
- A Speed Post tracking number JG455312026 was later shared, also showing no record.
- Multiple follow-ups by a senior citizen resulted in misleading updates.
The complainant emphasizes that such basic banking service deficiencies undermine customer trust, especially for senior citizens who rely on transparency and accountability.
Legal Angle: Choice4Voice.com Intervention
Choice4Voice.com will assist in escalating this case under relevant laws and regulatory provisions:
- Consumer Protection Act, 2019 – Service deficiency claim for non-receipt of credit card.
- RBI Customer Service Guidelines – Banks must ensure delivery and accountability for products issued to customers.
- Banking Ombudsman Scheme (RBI) – Complaint can be filed for delayed issuance of banking products.
- Indian Penal Code (IPC) Section 420 – In cases where deliberate misrepresentation or negligence causes financial or trust loss.
Authorities and departments for escalation:
- RBI Banking Ombudsman Office – For delayed delivery of banking products.
- State Consumer Dispute Redressal Commission – For deficiency in service claims.
- Ministry of Finance – Department of Financial Services – Escalation if the bank fails to act.
Choice4Voice.com will assist in filing complaints and pursuing legal remedies until the credit card is received.
FAQs – Axis Bank Credit Card Dispatch & Customer Rights
Q1. How long does it take for Axis Bank to dispatch a credit card?
Typically 7–10 business days from issuance.
Q2. What should I do if my credit card tracking number is invalid?
Immediately report to the bank, and keep all communications documented.
Q3. Can Choice4Voice.com help escalate non-receipt of a credit card?
Yes, we assist in raising public awareness and filing complaints with regulatory authorities.
Q4. Can senior citizens file complaints if service is delayed?
Yes, they have the same rights under Consumer Protection Act, 2019.
Q5. What compensation can be claimed for delayed delivery?
Monetary compensation for inconvenience and deficiency of service.
Q6. Can RBI intervene in delayed credit card issuance?
Yes, via Banking Ombudsman Scheme for unresolved complaints.
Q7. Should I approach consumer court for non-receipt?
Yes, after exhausting bank and RBI channels.
Q8. Is verbal assurance by bank staff enforceable?
Not fully, but written or email confirmations strengthen complaints.
Q9. Can Choice4Voice.com track the complaint publicly?
Yes, featuring on our website creates public awareness and urgency.
Q10. Can the bank be penalized for non-delivery?
Yes, RBI may take regulatory action for repeated deficiencies.
Q11. How to file a complaint with RBI Ombudsman?
Submit complaint online, via email, or post with proof of all communication.
Q12. What documents are needed for escalation?
Application copy, acknowledgement receipts, tracking numbers, and communication proof.
Q13. Can Choice4Voice.com assist senior citizens with complaint filings?
Yes, we provide guidance and legal assistance for public escalation.
Q14. What if the card is never dispatched?
Consumer can demand replacement, compensation, and escalate to Ombudsman.
Q15. Can the bank refuse responsibility if courier fails?
No, the bank remains accountable until the product is successfully delivered.
Q16. Are repeated follow-ups considered harassment by bank staff?
Repeated misleading responses constitute deficiency in service.
Q17. How long should the bank respond to complaints?
Typically within 30 days, per RBI guidelines.
Q18. Can Choice4Voice.com help file multiple complaints for same issue?
Yes, for escalation via RBI, Consumer Forum, and Ministry of Finance.
Q19. What are my legal rights in case of service deficiency?
Right to compensation, public grievance escalation, and regulatory intervention.
Q20. Why is public awareness important for banking complaints?
Featuring complaints on Choice4Voice.com helps create pressure for timely resolution and ensures accountability.
At Choice4Voice.com, we stand with customers like Ankita Gupta and her father to ensure timely resolution of banking service failures.
If you are facing similar issues, submit your complaint to Choice4Voice.com for public attention and legal escalation.
