- Bank Name
- AXIS BANK
- Customer Care Number
- 18604195555
- Loss Amount
- 45108
- Ratings
- Opposite Party Address
- Wadia International Centre, Pandurang Budhkar Marg, Kamagar Nagar Number 1, Lower Parel, Mumbai, India
I respectfully submit this complaint against Axis Bank regarding an unauthorized and fraudulent transaction on my Axis Bank credit card ending with 7418, and the bank’s persistent refusal to resolve the issue despite multiple communications.
On 11 August 2025, an unauthorized transaction amounting to ₹45,108/- was carried out through “Flipkart Internet Pvt.”. This transaction was not initiated or authorized by me. Immediately upon noticing the fraudulent charge, I raised a complaint through Axis Bank as well as through the National Consumer Helpline (NCH). The complaint reference numbers are 8159339 (NCH) and 251113550575 (Axis Bank).
Despite providing all details and clarifying that the transaction was fraudulent, Axis Bank responded with repeated template replies, claiming that the transaction was done using two-factor authentication. At no point did the bank address any of the specific issues raised by me or provide any case-specific investigation details. Their replies simply stated general policy points about OTP confidentiality without reviewing my actual complaint.
Furthermore, instead of resolving the matter, the bank has charged interest and penalties for the unpaid fraudulent amount. In the latest credit card bill, Axis Bank has added an interest charge of ₹7,454.50, directly arising from the disputed amount of ₹45,108/-, which I have consistently refused to pay because it is fraudulent.
The bank's refusal to investigate properly, its failure to provide a case-specific explanation, and its practice of levying interest on a fraudulent amount have caused me undue financial burden, mental distress, and harassment.
Despite repeated requests, the bank has neither refunded the amount nor stopped charging interest, nor conducted a proper investigation. Their stance has made it clear that they are unwilling to consider the facts, and their actions amount to deficiency in service, unfair trade practice, and unjust enrichment at the consumer’s expense.
Therefore, I am approaching the Hon’ble Consumer Court seeking:
I have been cooperative throughout and have provided all information requested. The bank’s negligence and refusal to address the matter leave me no option but to seek legal remedy through this complaint.
On 11 August 2025, an unauthorized transaction amounting to ₹45,108/- was carried out through “Flipkart Internet Pvt.”. This transaction was not initiated or authorized by me. Immediately upon noticing the fraudulent charge, I raised a complaint through Axis Bank as well as through the National Consumer Helpline (NCH). The complaint reference numbers are 8159339 (NCH) and 251113550575 (Axis Bank).
Despite providing all details and clarifying that the transaction was fraudulent, Axis Bank responded with repeated template replies, claiming that the transaction was done using two-factor authentication. At no point did the bank address any of the specific issues raised by me or provide any case-specific investigation details. Their replies simply stated general policy points about OTP confidentiality without reviewing my actual complaint.
Furthermore, instead of resolving the matter, the bank has charged interest and penalties for the unpaid fraudulent amount. In the latest credit card bill, Axis Bank has added an interest charge of ₹7,454.50, directly arising from the disputed amount of ₹45,108/-, which I have consistently refused to pay because it is fraudulent.
The bank's refusal to investigate properly, its failure to provide a case-specific explanation, and its practice of levying interest on a fraudulent amount have caused me undue financial burden, mental distress, and harassment.
Despite repeated requests, the bank has neither refunded the amount nor stopped charging interest, nor conducted a proper investigation. Their stance has made it clear that they are unwilling to consider the facts, and their actions amount to deficiency in service, unfair trade practice, and unjust enrichment at the consumer’s expense.
Therefore, I am approaching the Hon’ble Consumer Court seeking:
- Reversal of the fraudulent transaction amount of ₹45,108/-
- Reversal of all related interest and charges, including ₹7,454.50 which is showing in latest
- Compensation for mental harassment and inconvenience caused
- According CIBIL update
- Directions to the bank to conduct a proper investigation and provide a clear case-specific report
- Any further relief deemed appropriate by the Hon’ble Court
I have been cooperative throughout and have provided all information requested. The bank’s negligence and refusal to address the matter leave me no option but to seek legal remedy through this complaint.
