| Name of Complainant | |
| Date of Complaint | October 21, 2025 |
| Name(s) of companies complained against | AXIS BANK LIMITED |
| Category of complaint | Banking |
| Permanent link of complaint | Right click to copy link |
| Share your complaint on social media for wider reach | |
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Website: www.axisbank.com
Respected Sir/Madam,
I, Mr. Asha Kanta Sharma, am in receipt of a so-called “Legal Notice” sent to me via email on 29th September 2025from the following email address: 📧 info@ks-legal.in
This email purports to represent KS Legal & Associates, claiming to act on behalf of Axis Bank Ltd. by Axis Bank Employee Saptarshi Das at 9007661472 and saptarshi1.das@axisbank.com in relation to certain alleged dues on my credit card. Upon careful examination, I have come to the conclusion that this email and the associated contents are fraudulent, criminal in nature, and constitute a deliberate attempt at intimidation, impersonation, and harassment.
Key Points of Allegation:
Impersonation of a Reputed Law Firm:
The email domain used is “info@ks-legal.in”, which is a clear impersonation of the legitimate domain of KS Legal & Associates: https://www.kslegal.co.in.
The address, logos, and names (including “Adv. SK Tyagi”) have been falsely used to lend authenticity to a fake legal document.
Criminal Acts Involved:
The sending of such a fraudulent notice is not merely unethical—it is criminal under several sections of Indian law:
Under the Indian Penal Code (IPC):
Section 419 – Punishment for cheating by personation
Section 468 – Forgery for the purpose of cheating
Section 471 – Using as genuine a forged document
Section 503 – Criminal intimidation
Section 506 – Punishment for criminal intimidation
Section 507 – Criminal intimidation by anonymous communication
Section 420 – Cheating and dishonestly inducing delivery of property
Under the Information Technology Act, 2000:
Section 66D – Impersonation using computer resources
Section 66C – Identity theft
Section 72 – Breach of confidentiality and privacy
Violation of RBI Guidelines:
The Reserve Bank of India has issued multiple circulars laying down strict rules for debt collection practices, including:
No use of intimidation, threats, or coercive tactics
No impersonation of officials or legal authorities
Recovery agents and third-party agencies must comply with the Code of Fair Practices and Grievance Redressal Mechanism as prescribed by RBI
Mental Harassment and Defamation:
The fake notice, sent using deceitful methods and intended to instill fear, has caused me emotional distress and mental harassment, which is a violation of my right to dignity and mental peace under Article 21 of the Constitution of India.
My Legal Demands:
Immediate Written Clarification from Axis Bank stating:
Whether you have authorized this communication
If yes, provide the name of the law firm and authorization letter
If no, investigate and disclose who authorized this fraudulent communication
Immediate Withdrawal of the Fraudulent Notice and an official apology in writing for the mental harassmentcaused.
Internal Inquiry into the use of fake legal firms for recovery and initiation of legal action against the responsible parties, including the third-party recovery agents or vendors.
Compensation for Harassment:
I reserve the right to initiate proceedings under the Consumer Protection Act, 2019 and/or appropriate civil and criminal laws for compensation, punitive damages, and legal costs arising from this incident.
Notice of Legal Action:
If you fail to respond within 7 (seven) days from receipt of this notice, I will be compelled to:
File a formal FIR with the Cyber Crime Cell
Approach the Banking Ombudsman / RBI
File a complaint with the Bar Council of India
Initiate appropriate civil and criminal proceedings in a court of competent jurisdiction
This notice is being sent without prejudice to all my rights and remedies available under law, which are hereby expressly reserved.
Attachments:
Screenshot / PDF copy of the fraudulent legal notice
Headers showing sender email and metadata
Link shared in the fake notice
Image Uploaded by ASHA KANTA SHARMA: