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Submit your complaint →Mahima Wadhwa, a hospitality industry professional, has publicly accused Axis Bank’s credit card collection team of harassment, threats, and misuse of personal data. She received intimidating calls from private numbers, with one caller threatening to visit her home. Learn how Choice4Voice.com empowers consumers like Mahima to file legal action and demand accountability from financial institutions violating RBI guidelines.
Complaint Summary
| Details | Information |
|---|---|
| Complainant Name | Mahima Wadhwa |
| Designation | Operational Manager |
| Industry | Hospitality |
| Concerned Organization | Axis Bank |
| Issue Type | Harassment by credit card collection agents |
| Nature of Calls | Threatening and unprofessional behavior |
| Phone Numbers Used by Agents | 7669590858 (female caller), 8527486589 (male caller) |
| Complaint Platform | LinkedIn (Public Post) |
| Date of Complaint | November 2025 |
| Status | Unresolved – Awaiting Axis Bank’s official response |
Full Complaint Write-Up
Mahima Wadhwa, a seasoned hospitality professional with expertise in operations, corporate sales, and event management, has raised a serious public complaint against Axis Bank’s credit card collection team for harassment and unprofessional behavior.
According to her LinkedIn post, Mahima has been receiving threatening calls from personal mobile numbers. The callers allegedly used derogatory and intimidating language, accusing her of fraudulent activity and even threatening to visit her home address. Such actions not only breach professional ethics but also raise grave concerns about data privacy and consumer safety.
She mentioned two specific numbers from which she received harassing calls:
- 7669590858 – a female caller who spoke disrespectfully.
- 8527486589 – a male caller who issued a direct threat to visit her residence.
Mahima described the experience as traumatizing and unacceptable, especially from a reputed financial institution like Axis Bank. Her post has sparked public outrage, calling into question the bank’s oversight of its debt recovery agents and the misuse of customer data.
She appealed directly to Axis Bank CEO Amitabh Chaudhry, RBI, and senior officials to intervene, investigate, and ensure that customers are treated with dignity and respect during collection processes.
How Choice4Voice.com Can Help
Choice4Voice.com stands with consumers like Mahima Wadhwa who face harassment, data misuse, or unethical behavior from financial institutions.
Here’s how Choice4Voice.com can assist:
- Verification of Complaint: The issue is assessed for credibility and evidence.
- Public Awareness: Verified cases are published on Choice4Voice.com and shared across professional networks for visibility.
- Legal Support Guidance: Victims receive detailed legal pathways to file formal complaints under RBI and consumer protection frameworks.
- Regulatory Tagging: The concerned authorities and brand representatives are tagged on social media to accelerate accountability.
- Case Escalation: Guidance is provided for escalation to RBI Ombudsman, Consumer Forum, or Cyber Crime authorities, depending on the case type.
Through public transparency and legal education, Choice4Voice.com empowers consumers to challenge harassment and seek lawful redress.
Legal Case Can Be Filed
The following legal and regulatory actions can be taken in this matter:
| Legal Option | Authority / Platform | Purpose |
|---|---|---|
| RBI Ombudsman Complaint | cms.rbi.org.in | For unethical loan/credit card collection practices violating RBI’s Fair Practices Code. |
| Consumer Forum Case | consumerhelpline.gov.in | For mental harassment and deficiency in banking service. |
| Cyber Crime Complaint | cybercrime.gov.in | To report harassment, threats, and misuse of personal data. |
| Local Police FIR | Nearest Police Station | To file a case under Section 503 (Criminal Intimidation) and Section 506 (Threats) of the IPC. |
| Complaint to NPCI (if digital payments involved) | npci.org.in | For escalation regarding unauthorized or unethical banking communications. |
| RBI Banking Ombudsman – Data Privacy Concern | rbi.org.in | For misuse of personal contact information by bank agents. |
Pre-Drafted Complaint Templates
1. Email to Axis Bank Nodal Officer
To: nodal.officer@axisbank.com
Subject: Harassment and Threatening Calls from Axis Bank Collection Agents
Dear Sir/Madam,
I wish to lodge a formal complaint regarding harassment calls received from your credit card collection agents using personal numbers (7669590858 and 8527486589). The callers used unprofessional and threatening language and even mentioned visiting my home address, which is a serious breach of conduct and privacy.
Please investigate this matter urgently, take disciplinary action against the responsible agents, and confirm that my contact information has not been misused.
Sincerely,
Mahima Wadhwa
2. Complaint to RBI Ombudsman
To: crpc@rbi.org.in
Subject: Violation of Fair Practices Code by Axis Bank Credit Card Collection Team
Dear Sir/Madam,
I am reporting unethical and threatening behavior by Axis Bank’s credit card collection team. Agents have contacted me from personal numbers, using intimidation and disclosing personal details. This violates RBI’s Code of Conduct for debt recovery.
Kindly investigate and direct Axis Bank to ensure fair collection practices.
Regards,
Mahima Wadhwa
3. Cyber Crime Portal Complaint
Portal: https://cybercrime.gov.in
Category: Financial / Privacy Violation
Details to Include: Personal numbers used, threats received, screenshots of call logs, and any messages exchanged.
Author Section
Mahima Wadhwa is an Operational and Business Development Manager with a strong background in hospitality, events, and corporate sales. Known for her professional integrity and leadership, she took a bold step by publicly exposing unethical practices in the banking sector to advocate for safer, more respectful consumer interactions.
Conclusion
The complaint by Mahima Wadhwa highlights a deeply concerning trend of harassment by banking recovery agents, often operating outside official channels. Such actions not only violate RBI’s Fair Practices Code but also threaten the privacy and dignity of customers.
It is the responsibility of financial institutions like Axis Bank to ensure that all collections are conducted ethically, through verified channels, and without intimidation.
Platforms like Choice4Voice.com continue to stand with consumers who choose to speak up against such misconduct, promoting transparency and accountability in India’s banking ecosystem.
Frequently Asked Questions
1. What should I do if Axis Bank agents harass me?
File a complaint with RBI Ombudsman and Axis Bank’s nodal officer immediately.
2. Is it legal for recovery agents to call from personal numbers?
No. RBI mandates that agents must use official and recorded communication channels only.
3. Can a collection agent visit my home?
Only after prior written notice. Unannounced visits are considered harassment.
4. How can I verify if the caller is from Axis Bank?
Ask for their employee ID, official email, and Axis Bank call reference number.
5. Can I record calls from collection agents?
Yes. Recordings can serve as valid evidence in legal or consumer court proceedings.
6. What is the RBI guideline for debt recovery behavior?
RBI requires agents to maintain professionalism, avoid intimidation, and respect customer privacy.
7. Can I file a police FIR for harassment by a bank agent?
Yes. Under Sections 503 and 506 IPC, such threats are punishable offenses.
8. What if Axis Bank ignores my complaint?
Escalate through the RBI Ombudsman via cms.rbi.org.in.
9. How to ensure privacy protection in banking?
Avoid sharing full addresses or personal details over calls unless verified.
10. Can banks use third-party collection agencies?
Yes, but they must follow RBI-approved ethical guidelines.
11. What if my data is misused by a bank agent?
File a cybercrime complaint for data breach and privacy violation.
12. How can Choice4Voice.com help?
By publishing your verified case and guiding you through legal escalation.
13. What if I fear physical harm due to threats?
Contact your local police station and file an FIR immediately.
14. What is Axis Bank’s official grievance email?
nodal.officer@axisbank.com
15. Can I claim compensation for mental distress?
Yes, through Consumer Court under the Consumer Protection Act, 2019.
16. How long does RBI take to act on complaints?
Typically within 30 days, depending on the case details.
17. Can I block unwanted recovery calls?
Yes. Use your phone’s block feature and submit a complaint to TRAI if persistent.
18. What are the penalties for agent misconduct?
Banks may face fines, license restrictions, and RBI reprimands for non-compliance.
19. How to file a consumer case online?
Visit consumerhelpline.gov.in and register your complaint.
20. Why should such cases be reported publicly?
Public exposure ensures faster action and deters unethical practices.
✅ LinkedIn Post Source: [LinkedIn post URL]
