Axis Bank Credit Card Fraud | Wrong Credit Card Mapped to My Profile | - Discussion

[Shashidhar Reddy]

Hi All,

I am having 2 axis bank credit cards and from yesterday all of a sudden a new card which doesn’t belong to me got added to my account in axis mobile app and Internet banking. I have raised a complaint with customer care and pno and their initial response was this card is mapped to your pan only. And this fraud card is not new and existing from 2023 it seems. Clearly this is some technical glitch or fraud from axis bank side because name displayed on this fraud card is not mine and none of my credit bureau reports have this card. Attached screenshot from mobile app and clearly it can be seen that name is different.
Can anyone suggest what actions i can take to get rid of this card ?

 

[Shashidhar Reddy]

Maximum compensation is mentioned for every category of complaint when you make a complaint in RBI Ombudsman. Just choose the maximum amount.



Ask 15.5k, then.

You don't have to ask for compensation to Axis directly. For compensation, go via RBI Ombudsman. However, RBI Ombudsman requires the complaint is at least 30 days old with one escalation matrix is contacted at least once during the 30 days window (for the satisfactory resolution). It doesn't matter whom you contact (nodal, MD, CEO) for escalation.

My guess is that once you escalate, the issue will be resolved soon. If it takes more than 30 days, you are eligible for compensation (irrespective of the amount).

Also, as someone else mentioned block the card temporarily for a faster resolution. You can not block it permanently as it meant cancellation of card that in turn requires you to pay the bill in full. Do not pay the bill in this case, as it doesn't even have your name in it.

Pno has asked for some kyc documents and cibil report and said that they will get back within 3 working days. Will wait for a response for 3 days and if none received will proceed with RBIO complaint

 

[quino]

Pno has asked for some kyc documents and cibil report and said that they will get back within 3 working days. Will wait for a response for 3 days and if none received will proceed with RBIO complaint

if nothing happens by due date, ensure you pay the MAD (~800) so that it doesn't affect your CIBIL. ensure you write to axis about the same & the reason.

 

[vijaycard]

Hi All,

I am having 2 axis bank credit cards and from yesterday all of a sudden a new card which doesn’t belong to me got added to my account in axis mobile app and Internet banking. I have raised a complaint with customer care and pno and their initial response was this card is mapped to your pan only. And this fraud card is not new and existing from 2023 it seems. Clearly this is some technical glitch or fraud from axis bank side because name displayed on this fraud card is not mine and none of my credit bureau reports have this card. Attached screenshot from mobile app and clearly it can be seen that name is different.
Can anyone suggest what actions i can take to get rid of this card ?

U can block this card

 

[duTchman1990]

That's not how things work. Escalation team is there for a reason. No need to write to MD directly. OP should go through proper escalation. That will also help him building up the case and help him in RBIO. If PNO doesn't listen, then go directly to RBIO. As it is the the last ladder of Axis CC.

Agreed. Going through proper escalation ladder will help to build the case. OP you have stated earlier that the bill has generated, so can you check the statement for customer name? Is it the same name as per your axis bank portal?

 

[Shashidhar Reddy]

Agreed. Going through proper escalation ladder will help to build the case. OP you have stated earlier that the bill has generated, so can you check the statement for customer name? Is it the same name as per your axis bank portal?

No in the statement it has my name I guess it could be because the card is now mapped to my customer I’d but in the mobile app and Internet banking the digital card shown has the original customer name. Axis has really messed up the things and unnecessarily causing headache to me

 

[cc_baadshah]

Hi All,

I am having 2 axis bank credit cards and from yesterday all of a sudden a new card which doesn’t belong to me got added to my account in axis mobile app and Internet banking. I have raised a complaint with customer care and pno and their initial response was this card is mapped to your pan only. And this fraud card is not new and existing from 2023 it seems. Clearly this is some technical glitch or fraud from axis bank side because name displayed on this fraud card is not mine and none of my credit bureau reports have this card. Attached screenshot from mobile app and clearly it can be seen that name is different.
Can anyone suggest what actions i can take to get rid of this card ?

First of all disable all the transaction categories both domestic, international
through WhatsApp banking or any other way but keep proofs like ss or pic from other phone.

Then take pictures of all the three cards mapped to you

Now finally call customer care and discuss the issue with them to block & replace

 

[cc_baadshah]

Share all the pictures if they don't agree of data breach and accounts mis-map.

They may say the issue is resolved, now no issues.

Still tell them to block by saying

How i was able to see others cards,
There will be a possibility that other person also may also see mine.