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Submit your complaint →Pardeep Kumar, Founder and CEO of Husky & Bernese Tours Pvt. Ltd., has accused Axis Bank’s Ansal Golf Link 1, Greater Noida branch of unethical and intimidating behavior by staff members, including coercion to create deposits and refusal of legitimate refund requests. Choice4Voice.com highlights this complaint to promote accountability and assist in filing legal actions under RBI and consumer protection laws.
Complaint Summary
| Detail | Information |
|---|---|
| Complainant Name | Pardeep Kumar |
| Designation | Founder, CEO & Director, Husky & Bernese Tours Private Limited |
| Company Complained Against | Axis Bank |
| Branch | Ansal Golf Link 1, Greater Noida |
| Main Allegation | Harassment, unethical conduct, and coercive banking practices |
| Individuals Named | Mr. Shashank Gupta (Branch Manager), Ms. Aakansha (Bank Representative) |
| Relief Sought | Refund of wrongly debited charges, conversion of account to zero balance, disciplinary action |
| Authorities Already Contacted | RBI (crpc@rbi.org.in), Axis Bank Nodal Officer (nodal.officer@axisbank.com), Ministry of Finance |
| LinkedIn Post Source | [Original LinkedIn Post URL] |
Full Story
Pardeep Kumar, the Founder and CEO of Husky & Bernese Tours Private Limited, recently raised serious allegations of harassment and unethical banking practices at the Axis Bank, Ansal Golf Link 1, Greater Noida branch.
According to his statement, when he initially opened his account, Ms. Aakansha, a bank representative, pressured him into opening a ₹25,000 minimum balance account despite his clear request for a zero-balance account. She allegedly assured him that the account type would be converted within a month, a promise that was never fulfilled.
Later, when Mr. Kumar visited the branch to request a refund of wrongly debited non-maintenance charges, he claims that Branch Manager Mr. Shashank Gupta not only refused the refund but also insisted on creating a Fixed Deposit (FD) of ₹3,00,000 as a condition to convert the account a demand that is both unethical and coercive under RBI norms.
The situation worsened when Mr. Gupta allegedly behaved in an intimidating and disrespectful manner, raising his voice and stating, “You can complain anywhere.” Such language, especially from a senior bank officer, violates the RBI’s Fair Practice Code, which mandates respectful and transparent behavior with customers.
Feeling harassed, Mr. Kumar filed formal complaints with:
- The Reserve Bank of India (RBI) at crpc@rbi.org.in
- The Axis Bank Nodal Officer at nodal.officer@axisbank.com
- The Ministry of Finance
He is seeking:
- Refund of the wrongly debited non-maintenance charges
- Conversion of his account to a zero-balance account
- Disciplinary action against both the branch manager and representative
Mr. Kumar’s experience serves as a warning about the importance of consumer vigilance and highlights the need for regulatory oversight in ensuring fair treatment by financial institutions.
How Choice4Voice.com Can Help
At Choice4Voice.com, we help consumers like Pardeep Kumar get their voices heard when brands or institutions fail to act responsibly.
Our team:
- Reviews complaints to ensure authenticity.
- Publishes genuine cases on our website and LinkedIn to create public accountability.
- Guides complainants in filing legal and regulatory actions, including drafting formal complaint letters and identifying the right authorities.
- Uses visibility to pressure companies into resolving issues faster.
If you’ve faced harassment, fraud, or unethical treatment from a company, you can submit your complaint through our official form on Choice4Voice.com
Our advocacy ensures that your concern is not ignored.
Legal Case Can Be Filed
Below are the potential legal and regulatory actions that can be taken in this case:
| Authority / Platform | Type of Case / Action | Purpose |
|---|---|---|
| RBI Ombudsman | Banking Service Complaint | To report unfair treatment, coercion, or denial of refunds by banks. |
| Consumer Court (District Consumer Disputes Redressal Commission) | Deficiency in Service | To seek compensation for mental harassment and unethical behavior. |
| Ministry of Finance (Banking Division) | Regulatory Escalation | For policy-level intervention and monitoring of complaint handling. |
| Cybercrime Portal (cybercrime.gov.in) | Online Complaint (if any fraud occurred digitally) | For fraudulent account transactions or unauthorized deductions. |
| Police FIR (Local Police Station) | Criminal Intimidation or Harassment | If there was verbal abuse or threats by bank officials. |
How to File Your Complaint – Step-by-Step Guide
- Draft a Complaint Email to the bank’s nodal officer clearly stating the issue, branch name, and desired resolution.
- If unresolved within 30 days, escalate it to the RBI Ombudsman through the CMS Portal (https://cms.rbi.org.in).
- File a Consumer Case at your district’s Consumer Forum for compensation.
- If you face threats or coercion, register an FIR with your local police station.
- You can also submit your story on Choice4Voice.com, where it will be published to create public awareness and pressurize the institution for redressal.
Pre-Drafted Complaint Templates
RBI Ombudsman Email Template
To: crpc@rbi.org.in
Subject: Complaint Against Unethical Conduct by Axis Bank – Greater Noida Branch
Dear Sir/Madam,
I wish to lodge a formal complaint against Axis Bank, Ansal Golf Link 1 Branch, for coercive and unethical conduct by their staff. Despite repeated requests, the bank has refused to refund wrongful charges and attempted to force me into creating an FD.
Kindly take strict action under RBI’s Fair Practice Code and ensure refund and disciplinary action.
Sincerely,
[Your Full Name]
[Your Account Number]
[Contact Details]
Consumer Forum Complaint Template
To: The President
District Consumer Disputes Redressal Commission
Subject: Complaint Against Axis Bank for Deficiency in Banking Service
I, [Your Name], wish to file a complaint against Axis Bank for unethical behavior, refusal of refund, and coercive demands. The actions of their staff have caused financial loss and mental harassment. I seek compensation and disciplinary action under the Consumer Protection Act, 2019.
Sincerely,
[Your Name & Signature]
Author
Pardeep Kumar is the Founder, CEO, and Director of Husky & Bernese Tours Private Limited, an established travel and tourism company. With years of leadership experience, he believes in ethical business conduct and accountability values that prompted him to raise his voice against unethical banking practices to safeguard consumer rights.
Questions and Answers About Banking Complaints in India
- How can I complain about unethical behavior by a bank employee?
You can write to the bank’s nodal officer and, if unresolved, escalate to the RBI Ombudsman via the CMS portal. - What is the RBI Ombudsman complaint process?
Submit a detailed complaint at cms.rbi.org.in after waiting 30 days from your initial grievance to the bank. - Can I file a consumer case against a bank?
Yes, under the Consumer Protection Act, 2019, banks are accountable for poor service or harassment. - What are examples of unethical conduct by banks?
Coercion to buy financial products, verbal abuse, non-transparent charges, or refusal to refund wrongful deductions. - Is forcing customers to make FDs legal?
No, it is considered coercive and violates RBI’s Fair Practice Code. - How long does RBI take to resolve complaints?
Usually within 30–60 days after submission, depending on case complexity. - Can I get compensation for mental harassment by a bank?
Yes, through the Consumer Forum if you prove emotional or financial distress. - What are RBI’s Fair Practice Code guidelines?
They ensure fair treatment, transparency, and non-discriminatory conduct by banks. - What is the Axis Bank nodal officer email ID?
nodal.officer@axisbank.com - How can I contact the RBI Ombudsman?
Visit cms.rbi.org.in or email crpc@rbi.org.in. - What if my complaint is ignored by the bank?
Escalate to the RBI Ombudsman after 30 days of no response. - Can I post my banking issue publicly?
Yes, platforms like Choice4Voice.com publish verified consumer complaints to build pressure for resolution. - What proof do I need to file a case?
Keep account statements, emails, and screenshots of interactions. - Can the bank close my account if I complain?
No, that would be considered retaliatory and unlawful. - What laws protect banking customers in India?
RBI’s Fair Practice Code, the Banking Regulation Act, and the Consumer Protection Act. - Can I complain directly to the Ministry of Finance?
Yes, through their online grievance portal (pgportal.gov.in). - What if I was verbally abused by a bank employee?
File a police complaint for criminal intimidation. - Can I get a refund of wrongful charges?
Yes, banks must refund if charges were wrongly applied. - What is a zero-balance account?
It’s a basic savings account with no minimum balance requirement, often available under RBI’s financial inclusion schemes. - How does Choice4Voice.com support consumers?
By publishing verified complaints, guiding legal actions, and amplifying voices through public awareness.
For more verified consumer cases and legal assistance, visit Choice4Voice.com
