Name of Complainant	Robert John
Date of Complaint	November 15, 2019
Name(s) of companies complained against	Axis Bank Credit Card
Category of complaint	Banking
Permanent link of complaint	Right click to copy link
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Text of Complaint by Robert John:

Respected Sir,

This is regarding the update on yesterday’s complaint made by me with docket number: 1735810. Very thanks to the team of Consumer Complaints Court for helping me this far.

This morning (14 Nov 2019) by 10:55 am got a call from the same person from +918939027993 (screenshot attached). His name is Mr.Saravanan. Again he was rude and made me stressed. The same old stories were fumingly retold. He asked me whether I am trying to threaten him by asking his name. He never told me the amount and all he wanted was to present myself in his office. Just to end the irritating conversation I agreed to be available at his office. When asked about his address he seemed to hesitate and told me in bits and pieces. Address as he had stated: ‘Kodambakkam’, then opposite to Meenakshi college, finally Axis bank. He wanted me there by tomorrow – 15 November 2019 as the office will remain closed for Saturday. The call ended.

Later in the evening at 5.20 pm (screenshot attached) I got a call from +918573804548. He called me twice and I attended his 3rd call as I was driving back home. He introduced himself as some Mr.Sarwanth? from Axis bank. I couldn’t get his name properly as i was in traffic. He spoke to me in english and was very gentle. He said that I have paid all my dues in 2010 and my claim is true. He said that the company has no issues regarding the closure of the account. He apologized me for what I am going through. He promised that I will receive no more calls from the agents and none of my relatives will be in trouble anymore. (Thank you Sir.)

But then he gave me the soul shocking news. He said that the amount now they are claiming has occurred as the membership fee from the date of card issuance till its expiry date in 2017. It has come up to around twenty one thousand. Now they have slashed of the interest over the principle membership fee. So I was asked to agree to pay Rs 7538/- immediately to close the account from the Axis bank forever. Or I may get such calls again in future for non remittance of this discounted amount. If I pay everything will be over from now on.

I told him that I was never informed that there will be a continuance of membership fee till the expiry date of the card even if the due amounts are paid and the account closed. I was perplexed to know this now. Although he was very gentle in his words he was never intending to give me time to think or consult. All he was expecting me was to say ‘yes’ for the amount he mentioned (Rs 7538/-) and pay immediately. We ended up nowhere when I told him that I will call him tomorrow about this matter. Now what should I do?

1. Why should I pay the membership fee for an closed account? Mr.Sarwanth who called me informed me that I have no dues since 2010 and their system had been updated of the same.

 

2. Why no one has informed me at the earliest since I took the card or at least at the time of closure of the account?

3. If there was a membership fee that I was supposed to pay even after closing the account, why did they accepted when I updated them with their closure letter and promised that the case has been closed? They could have informed me at least by that time and the charges would have been more affordable for me.

4. Why no one from the beginning never informed me (from 2013 till this evening call) that the pending amount was for the membership fee, but insisted that it was the pending EMI (although I have paid every single rupee through settlement)?

5. Was it to accumulate the charges to higher amount and to extract the same? Cos I know how they were after me when I skipped their payment once in a while earlier when I was using their card.

6. Is it legal to charge membership fee on my closed account and has been not used since 2010? I have not gained anything out of such membership except for all the stress I have gone through.

Please kindly help me as I don’t know how to end this…

Thanking you

Regards
Robert John

Image Uploaded by Robert John: