If you’re experiencing this problem with this brand or any other company, submit your complaint and we may feature it on Choice4Voice.com.
Submit your complaint →Manoj Kumar alleges Axis Bank deducted ₹40,000 as ECS return charges, calling it a “system rule.” Learn how to recover unauthorized deductions and file official complaints through Choice4Voice.com
Complaint Summary : Axis Bank ECS Return Charges Complaint by Manoj Kumar | ₹40,000 Deducted Without Consent | Choice4Voice.com
| Complainant Name | Manoj Kumar |
|---|---|
| Company/Brand | Axis Bank |
| Product/Service | ECS Return Charges |
| Complaint Type | Overcharged / Unauthorized Transaction |
| Order/Service No. | Not Provided |
| Date of Incident | 09/01/2023 |
| Company’s Response | Claimed deduction was due to “system rule” |
| Platform | Complaint submitted via Choice4Voice.com |
Case Overview
Manoj Kumar, a customer of Axis Bank, reported an alarming case where a total of ₹40,000 was debited from his account as ECS return charges.
According to the complainant, these deductions occurred without any clear justification or prior notice. When he reached out to Axis Bank customer care for clarification, the response received was highly unsatisfactory they stated that the deductions were made as part of a “system rule” and that no reversal could be processed.
The complainant insists that such high ECS return charges are unreasonable, arbitrary, and unjustified under RBI’s fair banking practices. He has requested a full refund of the wrongly debited amount and immediate corrective action from the bank.
This incident raises serious concerns about Axis Bank’s transparency in levying ECS-related charges and highlights the need for stronger consumer protection in digital banking transactions.
How Choice4Voice.com Can Help
Choice4Voice.com is India’s consumer advocacy platform dedicated to helping users raise genuine grievances that are ignored by companies.
For customers like Manoj Kumar facing unauthorized deductions or overcharging, Choice4Voice.com helps by:
- Publishing verified cases publicly to hold companies accountable
- Guiding users through the legal escalation process
- Assisting with templates and steps to file official complaints with RBI, Consumer Forum, or Banking Ombudsman
If you are facing a similar issue, you can submit your case on Choice4Voice.com and have it reviewed by our team.
Legal Actions You Can Take Against Axis Bank
1. RBI Banking Ombudsman Complaint
If Axis Bank refuses to refund unauthorized charges, you can approach the RBI Banking Ombudsman under “Unfair Banking Charges” or “Unauthorized Debits.”
- Portal: https://cms.rbi.org.in
- Category: Unfair or Excessive Charges / ECS Dispute
2. Consumer Court Case (District Consumer Forum)
You can file a consumer complaint under Section 2(1)(g) of the Consumer Protection Act, 2019 for “deficiency in service” and “unfair trade practices.”
Documents Needed:
- Bank statement showing ECS deductions
- Written communication from Axis Bank citing “system rule”
- Complaint acknowledgement (if available)
3. Email to Axis Bank Nodal Officer
If customer support fails to respond properly, escalate your case to the bank’s Nodal Officer.
- Email: nodal.officer@axisbank.com
- Subject: Urgent Escalation – Unjustified ECS Return Charges of ₹40,000 (Account Reference)
Step-by-Step Complaint Process
- Write to Axis Bank Customer Care and demand refund with all transaction details.
- Escalate to Nodal Officer with your written complaint and supporting documents.
- If unresolved after 30 days, file an official complaint with RBI Ombudsman through https://cms.rbi.org.in.
- For compensation, file a Consumer Court case online via https://edaakhil.nic.in.
Pre-Drafted Complaint Templates
1. RBI Ombudsman Complaint Template
Subject: Unjustified ECS Return Charges of ₹40,000 Deducted by Axis Bank
Body:
Dear Sir/Madam,
I am writing to raise a complaint against Axis Bank for deducting approximately ₹40,000 from my account as ECS return charges without proper explanation or authorization.
When I contacted Axis Bank, I was informed that this deduction was a “system rule,” and no refund could be processed. This reasoning is unacceptable, as such large deductions without consent violate RBI’s fair banking practice guidelines.
I request RBI’s intervention to investigate the matter and direct Axis Bank to reverse the unjustified debits and compensate for the inconvenience caused.
Thank you,
Name: [Your Full Name]
Email: [Your Email Address]
Date: [Today’s Date]
2. Consumer Court Template
Subject: Complaint under Consumer Protection Act, 2019 – Unfair ECS Charges by Axis Bank
Body:
Respected Sir/Madam,
I am filing a complaint against Axis Bank for levying ₹40,000 as ECS return charges from my account without prior consent or notification. Despite repeated requests, the bank’s response was that these deductions were part of their system rules, which is arbitrary and unjustified.
This act constitutes deficiency in service and unfair trade practice under the Consumer Protection Act. I seek an immediate refund of ₹40,000 along with interest and suitable compensation for mental distress.
Thank you,
Name: [Your Full Name]
Address: [Your City, State]
Date: [Today’s Date]
About Axis Bank
Axis Bank is one of India’s largest private sector banks offering retail and corporate banking services. Despite its large customer base, many consumers have reported cases of unexplained deductions, ECS-related penalties, and delayed grievance handling.
- Official Website: https://www.axisbank.com
- Customer Care Email: customer.service@axisbank.com
- Nodal Officer Email: nodal.officer@axisbank.com
How to Protect Yourself from Unauthorized ECS Deductions
- Always check your ECS mandate list regularly through your bank’s net banking portal.
- If you close a loan or EMI account, ensure the ECS mandate is revoked in writing.
- Never ignore SMS or email alerts for automatic debits report them immediately if unauthorized.
- Keep a written record of all communications with your bank for future disputes.
Author
Complainant: Manoj Kumar
Verified via: Choice4Voice.com
Q&A Section
1. What are ECS return charges in Axis Bank?
ECS return charges are penalties applied when an auto-debit transaction fails due to insufficient funds or mandate errors.
2. Can Axis Bank deduct ₹40,000 as ECS charges?
No. Such a high deduction is excessive and must be justified. You can file a complaint if it lacks a valid reason.
3. How to request a refund for unauthorized ECS deductions?
Email customer.service@axisbank.com and escalate to nodal.officer@axisbank.com if not resolved in 30 days.
4. Can I get compensation for wrongful deductions?
Yes. You can claim compensation under the Consumer Protection Act, 2019.
5. How long does Axis Bank take to resolve ECS-related issues?
Usually within 7–10 business days after acknowledgment.
6. What is the RBI guideline for ECS charges?
RBI mandates that ECS penalties must be reasonable and transparently communicated to customers.
7. How to file a complaint with the RBI Ombudsman?
Visit cms.rbi.org.in and file a complaint under “Excessive Bank Charges.”
8. What if Axis Bank refuses to refund my ECS charges?
Escalate to the RBI Ombudsman and the Consumer Court with all transaction proofs.
9. Can ECS deductions occur without my consent?
No. ECS debits must be authorized by you through a signed mandate.
10. Is Axis Bank legally liable for unauthorized deductions?
Yes. Under RBI guidelines, unauthorized debits must be reversed immediately.
11. How can I block future ECS deductions?
Request mandate cancellation through your Axis Bank branch or net banking.
12. What happens if the bank calls deductions a “system rule”?
You can challenge such explanations as unfair banking practice under the RBI Ombudsman Scheme.
13. Is there any fee for filing an RBI Ombudsman complaint?
No. Filing complaints on the RBI CMS portal is free of cost.
14. Can I get my ₹40,000 back from Axis Bank?
Yes, if proven unjustified. RBI or the Consumer Forum can direct a refund.
15. Can ECS return charges affect my CIBIL score?
Only failed payments affect CIBIL, not wrongful deductions.
16. What are reasonable ECS return charges as per RBI?
Typically between ₹200–₹500 per instance, depending on account type.
17. How do I get proof of ECS deductions?
Download your detailed bank statement or request a transaction history from Axis Bank.
18. Can I complain if ECS return charges were deducted multiple times?
Yes. Each wrongful deduction can be challenged separately.
19. How long does the Consumer Court process take?
Usually between 3–6 months depending on case complexity.
20. Why does Choice4Voice.com publish verified cases publicly?
To help consumers gain visibility, attract company attention, and push for timely resolutions.
