Hello Sir, I am Kumar Shashi Raj, I made a payment for my Axis bank credit card dues on 31.1.2024 from SBI internet banking, its Last date was 05.02.2024, but payment not reflected in Axis bank credit card dues nor returned to my SBI account till 14th Feb 2024, due to delay I have been charge penalty and interest, and bad effect on my CIBIL score. I raised complains to Axis Bank Credit card department and SBI. but I did not get concrete answer from them. I got a reply from Axis bank saying that UPDATE FROM AGGREGATOR THAT THERE WAS A DOWN TIME ISSUE FROM SBI, due to this the payment has been failed. I just want to know who is responsible Axis Bank or SBI and how to raise complain against them so that penalty, interest, and effect on CIBIL score, mental trauma I have borne. I want justice.

Ans: It sounds like you're facing a frustrating situation with recurring messages about a payment for an SBI debit card that you don't have. Despite your efforts to contact the concerned parties and raise the issue through multiple channels, you haven't received a satisfactory resolution.

At this point, since you've already contacted both the AGM in Mumbai and lodged complaints through the SBI card chargeback website without success, you may want to explore additional steps to resolve the issue:

Escalate the Matter: Consider escalating your complaint within SBI's hierarchy. You can try reaching out to higher authorities or different departments within SBI, such as customer service or dispute resolution, to seek further assistance.

Legal Assistance: If the issue persists despite your efforts and continues to cause inconvenience or distress, you may consider seeking legal advice or assistance. A legal expert can provide guidance on your rights and options for resolving the matter through legal channels.

Consumer Protection Agencies: Contact consumer protection agencies or ombudsman services that deal with banking-related grievances. They may be able to intervene on your behalf and facilitate a resolution with the bank.

Credit Reporting Agencies: If the incorrect information is affecting your credit score or financial standing, you can contact credit reporting agencies to dispute any inaccuracies and request corrections to your credit report.

Document Everything: Ensure you keep records of all your communication attempts, including emails, complaint reference numbers, and any responses received. This documentation can be valuable if you need to provide evidence or pursue further action.

Ultimately, persistence and patience may be necessary as you navigate the process of resolving this issue. Keep advocating for yourself and exploring different avenues until you achieve a satisfactory outcome.