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Submit your complaint →Khitish Kumar Das, a Sales Officer and marketing professional, has raised a serious complaint against Axis Bank for keeping a lien on his account despite submitting a No Dues Certificate. The customer alleges negligence and poor service by Axis Bank. Choice4Voice.com highlights this issue to ensure accountability and help affected customers take legal and consumer forum action.
Complaint Summary
| Field | Details |
|---|---|
| Complainant Name | Khitish Kumar Das |
| Profession | Sales Officer, Trade Marketing Professional |
| Company Experience | Parle, ElasticRun, Reliance Ajio Business |
| Bank Involved | Axis Bank |
| Nature of Complaint | Lien on account not removed despite submitting No Dues Certificate |
| Branch Mentioned | Not specified |
| Date of Incident | Ongoing (November 2025) |
| Issue Summary | Despite submitting a No Dues Certificate, Axis Bank allegedly ignored the customer and failed to release the lien from his account. |
| Contact Information | Hidden for privacy |
| Platform of Complaint | |
| Status | Unresolved |
Full Complaint Details
Khitish Kumar Das, a seasoned Sales & Marketing professional with experience at Parle, ElasticRun, and Reliance Ajio Business, recently shared his unpleasant experience with Axis Bank on LinkedIn.
According to Mr. Das, Axis Bank has kept a lien on his bank account even after he provided a valid No Dues Certificate, which proves that he has cleared all financial obligations. Despite multiple visits to the branch, his issue remains unresolved, leaving him financially stranded for over a month.
He expressed deep frustration, stating that the bank staff dismissed his concerns and failed to assist him, showcasing a lack of empathy and professionalism. His message appeals directly to the Reserve Bank of India (RBI) to intervene and ensure fair treatment.
Such incidents highlight growing concerns about customer service gaps in private sector banks, where internal miscommunication or negligence can severely impact individuals’ financial stability.
Legal Case Can Be Filed
Below are the legal cases applicable to this type of complaint and how Choice4Voice.com can assist:
| Legal Option | Applicable Law/Authority | Purpose | How Choice4Voice.com Can Help |
|---|---|---|---|
| Consumer Complaint | Consumer Protection Act, 2019 | To seek compensation for financial loss and mental harassment. | Choice4Voice.com helps draft and file a detailed complaint with the District Consumer Forum. |
| RBI Ombudsman Complaint | Reserve Bank of India Ombudsman Scheme | To report unfair banking practices and seek redressal directly from RBI. | We assist in drafting and submitting the RBI Ombudsman form online with supporting documents. |
| Banking Grievance Appeal | Axis Bank Grievance Redressal Cell | To escalate unresolved issues before legal escalation. | Choice4Voice.com provides pre-drafted escalation templates to file complaints directly with Axis Bank’s nodal officer. |
| Deficiency in Service Complaint | Under Section 2(11) of CPA, 2019 | For negligence and delay in resolving the issue despite valid documentation. | Choice4Voice.com guides users in preparing the case summary and supporting evidence. |
How to File a Complaint Step-by-Step
Step 1: File a Complaint with Axis Bank
- Visit the official Axis Bank website and navigate to the Grievance Redressal section.
- Submit your written complaint with your account details, date of issue, and attach the No Dues Certificate copy.
- Note the Complaint Reference Number for future tracking.
Step 2: Escalate to Axis Bank Nodal Officer
- If no response is received within 30 days, escalate the matter to the Nodal Officer via email: nodal.officer@axisbank.com.
Step 3: Approach the RBI Ombudsman
- Visit https://cms.rbi.org.in.
- Select Banking → Axis Bank → Unresolved Lien / Deduction Issues.
- Attach all supporting evidence (emails, No Dues Certificate, branch visit details).
Step 4: File a Consumer Forum Complaint
- Visit https://consumerhelpline.gov.in
- Choose Banking Services and file under Deficiency in Service.
- You can also seek compensation for mental harassment and loss of access to funds.
Pre-Drafted Complaint Templates
Email to Axis Bank Nodal Officer
Subject: Urgent – Request for Removal of Lien Despite Submission of No Dues Certificate
To: nodal.officer@axisbank.com
Body:
Dear Sir/Madam,
I had submitted my No Dues Certificate on [date] at [branch name]. Despite multiple follow-ups, the lien on my account is still active. This has caused severe inconvenience and financial hardship.
Kindly review my case and initiate immediate action to remove the lien.
Regards,
[Your Name]
[Account Number – last 4 digits only]
[City]
RBI Ombudsman Complaint Template
I am filing this complaint under the RBI Ombudsman Scheme against Axis Bank for failure to remove a lien from my account despite submission of a valid No Dues Certificate.
The bank has not provided any written communication or resolution despite repeated follow-ups. I seek immediate redressal and compensation for inconvenience caused.
Consumer Forum Filing Template
I, [Full Name], am filing this complaint under Section 2(11) of the Consumer Protection Act, 2019, against Axis Bank for deficiency in banking service. The bank failed to release a lien despite receiving all required documentation. I request the Hon’ble Forum to direct Axis Bank to remove the lien and compensate for financial and emotional distress.
How Choice4Voice.com Can Help
Choice4Voice.com stands as a trusted consumer advocacy platform that helps individuals fight back when ignored by large organizations.
We review genuine cases like this one, publish them publicly to create awareness, and help victims prepare legal documents such as:
- RBI Ombudsman complaints
- Consumer Forum petitions
- FIR drafts for banking negligence
- Official escalation emails
Our mission is to ensure accountability and justice for consumers who face corporate negligence and unresponsive customer care.
About the Author
Khitish Kumar Das is a seasoned Sales Officer and Trade Marketing professional with rich experience across brands such as Parle, ElasticRun, and Reliance Ajio Business. His public complaint on LinkedIn about Axis Bank’s mishandling of his No Dues Certificate has drawn attention to serious customer service flaws in the Indian banking sector.
Frequently Asked Questions (FAQs)
1. What does “lien on bank account” mean?
A lien means the bank has temporarily frozen a certain amount in your account to recover dues or secure a pending liability.
2. Can a bank keep a lien after a No Dues Certificate is submitted?
No. Once dues are cleared, the bank must lift the lien immediately.
3. What can customers do if the bank ignores their No Dues Certificate?
You can escalate the matter to the Nodal Officer and then to the RBI Ombudsman if unresolved.
4. How long does it take for a lien to be removed after NOC submission?
Generally, within 7–10 working days if all documents are valid.
5. Can I claim compensation for delayed lien removal?
Yes, under Consumer Protection Act, 2019, for mental harassment and service deficiency.
6. Who regulates banking service grievances in India?
The Reserve Bank of India (RBI) regulates grievance redressal via its Ombudsman Scheme.
7. What documents are needed for filing a complaint?
You’ll need your No Dues Certificate, account statement, branch communication, and proof of follow-ups.
8. Is it mandatory to visit the bank branch for lien removal?
Not necessarily. You can also raise the request online or via email to the branch manager.
9. Can I file a complaint if the bank doesn’t respond to emails?
Yes. Lack of response itself is a valid ground for a consumer complaint.
10. What is the RBI Ombudsman website link?
11. Can I get my lien refund with interest?
Yes, if the bank unlawfully withheld funds, you can seek interest compensation through consumer court.
12. How do I draft a professional bank complaint letter?
Use clear subject lines, mention key dates, attach documents, and request specific action.
13. What if Axis Bank denies receiving the No Dues Certificate?
Provide acknowledgment receipt or email proof of submission as evidence.
14. How long should I wait before escalating to RBI?
Wait at least 30 days after submitting the complaint to Axis Bank.
15. Can I close my Axis Bank account during a lien?
No, you must first get the lien removed.
16. What legal recourse is available for unethical deductions?
File under deficiency of service and unfair trade practice.
17. How to contact Axis Bank grievance department?
Via the official portal or email to nodal.officer@axisbank.com.
18. What is the difference between a lien and a debit freeze?
A lien blocks funds for recovery; a debit freeze stops all transactions.
19. Can I approach RBI directly?
Yes, through RBI Ombudsman Portal (cms.rbi.org.in).
20. What role does Choice4Voice.com play in such cases?
Choice4Voice.com publishes verified consumer cases, increases visibility, and guides victims through the entire complaint process.
