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Submit your complaint →Nishant Sharma, Senior Executive (Fintech) and former Kotak Life Assistant Manager, has raised a complaint against CRED and Axis Bank for poor customer service, lack of transparency, and possible data privacy violations during a credit card application process. Despite following up multiple times since early October 2025, Nishant received no updates, and his complaint tickets were closed without resolution. Choice4Voice.com examines the case, the consumer rights involved, and how affected users can file legal complaints and protect their data privacy.
Complaint Summary Table
| Particulars | Details |
|---|---|
| Complainant Name | Nishant Sharma |
| Designation | Senior Executive – Fintech (Ex-Kotak Life, Assistant Manager) |
| Company/Brand | CRED & Axis Bank |
| Nature of Complaint | Poor customer service, lack of data privacy, and mishandling of credit card application |
| Date of Incident | Between 28 September – 27 October 2025 |
| Complaint Reference | None provided (no request/application ID received) |
| Platform/Service Involved | CRED App (Credit Card Application Portal for Axis Bank) |
| Issue Summary | CRED failed to provide any application ID or update on Axis Bank credit card application and closed tickets without resolving the issue |
| Complainant’s Action Taken | Contacted CRED customer care, emailed feedback, and posted review on Google Play |
| Company’s Response | Delayed response; provided scripted replies; closed tickets without proper action |
| Consumer Impact | Mental distress, privacy concerns, and frustration due to non-transparent process |
Full Complaint Details
Nishant Sharma, a Senior Executive in the Fintech industry and former Assistant Manager at Kotak Life, has publicly expressed strong dissatisfaction with CRED and Axis Bank for what he calls “poor customer service and negligence toward data privacy.”
According to Nishant, he applied for an Axis Bank Credit Card through the CRED App between 28th September and 2nd October 2025. After completing the entire application process, the app displayed a message stating that “the bank will contact you within 7–10 working days.”
However, Nishant reports that:
- He did not receive any application number, reference ID, or confirmation email.
- On 15th October, after no communication for over two weeks, he called CRED’s customer care and was told they were merely promoters and had “no access to application details.”
- When Nishant shared a data privacy-related review on Google Play, CRED called him the next day (16th October) but only repeated the same scripted response and provided no actual update.
- Later, CRED closed his support tickets prematurely and reopened them later apparently to prevent them from appearing pending for long.
- On 27th October at 7:59 PM, Nishant received a 1-second missed call from CRED, followed by an email stating that they were “unable to connect,” despite the call barely ringing once.
Nishant shared screenshots as evidence and criticized the company’s lack of accountability and transparency, questioning how consumer data is being handled by CRED, which promotes financial products but disclaims responsibility when issues arise.
Legal Case Can Be Filed
Consumers in similar situations involving data misuse, non-transparent digital processes, or harassment through negligence can take the following legal steps. Choice4Voice.com assists complainants in each of these processes.
1. Consumer Court Case under the Consumer Protection Act, 2019
- Grounds: Deficiency in service, misrepresentation, and lack of due diligence in handling consumer applications.
- Choice4Voice.com Assistance: We help draft the legal complaint, compile documentary proof (emails, screenshots, and ticket numbers), and guide the filing process in the appropriate District Consumer Forum.
2. Complaint under the Information Technology Act, 2000
- Grounds: Mishandling of user data and failure to ensure data privacy by digital platforms.
- Choice4Voice.com Assistance: We assist in drafting a cyber complaint under Section 43A and Section 72A of the IT Act, which deal with compensation for failure to protect sensitive data.
3. Complaint to RBI and Banking Ombudsman
- Grounds: Negligence by Axis Bank in managing credit card application records and lack of consumer transparency.
- Choice4Voice.com Assistance: We provide step-by-step guidance for filing a case with the RBI Ombudsman for banking service deficiency.
4. FIR or Cybercrime Complaint
- Grounds: Data privacy violation, unauthorized data sharing, or negligence leading to potential misuse of information.
- Choice4Voice.com Assistance: We provide pre-drafted FIR and cybercrime portal templates to help victims file cases at cybercrime.gov.in or the nearest police station.
5. Complaint to Ministry of Consumer Affairs (NCH or CPGRAMS)
- Grounds: Poor consumer grievance handling by financial apps.
- Choice4Voice.com Assistance: We help file detailed complaints with the National Consumer Helpline and escalate cases through the CPGRAMS platform.
How Choice4Voice.com Works
Choice4Voice.com is a trusted consumer advocacy platform that helps individuals take public and legal action against unresponsive companies.
Our process includes:
- Complaint Submission – Users submit genuine grievances via our online form.
- Verification – Every complaint undergoes authenticity checks.
- Publication – Verified cases are published on Choice4Voice.com and promoted on social platforms like LinkedIn for visibility.
- Corporate Notification – The concerned brand is tagged and notified to encourage prompt action.
- Legal Guidance – If unresolved, Choice4Voice.com helps file cases with Consumer Court, RBI, Ombudsman, or Cybercrime authorities.
We ensure your voice is heard ethically, publicly, and legally.
Author Section
Nishant Sharma is a Senior Executive in the Fintech sector, with extensive experience in customer service and operations. Previously associated with Kotak Life as an Assistant Manager, he brings professional insight into how consumer-facing financial platforms should maintain ethical standards. His complaint against CRED and Axis Bank highlights the urgent need for transparency, data protection, and genuine accountability in India’s growing fintech ecosystem.
Q&A
Q1. What is the complaint against CRED and Axis Bank?
A1. Nishant Sharma reported poor service, no updates, and data privacy concerns regarding his Axis Bank credit card application via the CRED app.
Q2. How long has this issue been unresolved?
A2. The issue has been pending since early October 2025, with no valid response as of late October.
Q3. Is CRED responsible for Axis Bank card applications?
A3. CRED acts as a promotional intermediary, but it must ensure proper data handling and communication.
Q4. What legal options are available against CRED?
A4. You can file a Consumer Court complaint or a cybercrime complaint for data privacy negligence.
Q5. Can data privacy violations be punished under Indian law?
A5. Yes, under Sections 43A and 72A of the IT Act, 2000, mishandling user data can lead to penalties.
Q6. What can Choice4Voice.com do in this case?
A6. Choice4Voice.com can verify the complaint, publish it publicly, and assist in drafting legal actions.
Q7. What are my rights under the Consumer Protection Act, 2019?
A7. You have the right to fair service, transparency, and protection from deceptive business practices.
Q8. Can Axis Bank be held liable?
A8. Yes, Axis Bank shares responsibility as the financial institution linked to the application.
Q9. What evidence is needed to file a complaint?
A9. Screenshots, emails, call logs, and communication records strengthen your case.
Q10. How do I file a complaint against CRED?
A10. You can email support@cred.club or use the Choice4Voice.com complaint form.
Q11. Can I get compensation for poor service?
A11. Yes, Consumer Forums can award compensation for harassment and negligence.
Q12. What is the RBI Ombudsman role in such cases?
A12. It addresses banking-related grievances including mishandled credit applications.
Q13. How can I file a cybercrime complaint?
A13. Visit https://cybercrime.gov.in and submit your complaint under financial fraud or data misuse.
Q14. Is it legal for CRED to share my data with banks?
A14. Only with consent; misuse or unclear sharing is a violation of data protection norms.
Q15. Can I check my Axis Bank credit card application status manually?
A15. Yes, on Axis Bank’s official website using your mobile or PAN details.
Q16. Why did Nishant Sharma receive a 1-second call?
A16. He alleged CRED made a token call to falsely claim contact was attempted.
Q17. What happens if CRED ignores my complaint?
A17. You can escalate the issue through Choice4Voice.com, NCH, or the Consumer Forum.
Q18. What are common CRED user complaints?
A18. Delayed responses, missing application updates, and lack of data privacy are common issues.
Q19. Can Choice4Voice.com help with RBI or Consumer Court filing?
A19. Yes, Choice4Voice.com provides templates, escalation emails, and filing guidance.
Q20. How can I protect my data when applying for credit cards online?
A20. Always verify app authenticity, use official bank links, and avoid sharing personal data on third-party sites without clarity.
Published by: Choice4Voice.com
Empowering Consumers | Exposing Corporate Negligence | Driving Accountability
