I would like to share my greivences with everyone who has got a credit-card from any of the banks. I would like to give a brief description of my problem with a pathetic bank i.e. "Axis Bank". First of all, I have never applied for any credit-card from Axis bank & suddenly I received an SMS on my mobile number as a confirmation that my credit-card application has been approved and I will receive my card within few days. I tried to ring that number immediately but I could not get through.
After few days, I received a call from a courier company who wanted to confirm my residence address to deliver a packet from axis bank. I confirmed the address and could not ask anything from them regarding the same as I was in my office & was busy in doing some official work.
I opened that packet in the evening and found two cards from axis bank. One of the cards was under my name and other one was under my younger brother's name. I was little bit surprised to receive these two cards from axis bank as I had never applied for any credit card from them. I contacted them to get the proper confirmation and they told me that they did receive my application form and that's why these cards were sent to me. I also told them that nobody has done any sort of verification before the approval of my card application.
I took it lightly and thought that there is no harm to have a credit card from axis bank as I was already using so many cards from various banks. However, the first problem got start when I did not receive my card statement for the first three months. I contacted the customer service of axis bank once again to know the total outstanding and the reason for the non-delivery of my card statement.
I got amazed to know that I have been charged somewhere about Rs.3500 as a joining fee to have this card from axis bank. I explained the whole story to the customer service executive that I have been mis-led by axis bank as I was never told that there is a joining fee to have a credit-card from axis bank as no other bank charges anything for their credit card.
I have raised this complaint so many times and spent a lot of money on the phone calls made to the customer service of axis bank because they have their customer service center in Mumbai. Everytime, I was given an assurance of an amended card statement but got nowhere. Now, I am receiving threatening letters from an advocate of axis bank to pay the outstanding immediately which is ridiculous. I was quite sure that axis bank can do such kind of appalling things since their past have been too good to have faith on them. But, I want to warn them that the time has been changed and everyone is aware about the laws & orders. I am going to file a case against them in "Consumer Forum" and will realize them about their serious mistake. Thanks & regards.