Got a legal notice for a credit card I didn’t use. Help!

[Promaster8603]

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Promaster8603
PARTICIPANT
April 25, 2025 at 4:21 am

Got a notice on WhatsApp from KS Legal who is a partner of axis bank.

Mentioning that one of my card has a due amount for long time and need to pay.

However I never used axis card. Long back someone used my pan to get a card and used it. I came to know when I check ed my cibil.

Need help. Please suggest what can be done here.

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[Swaraseeker149]

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Swaraseeker149
PARTICIPANT
April 25, 2025 at 4:24 am

Bookmark

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[Wiselion6514]

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Wiselion6514
PARTICIPANT
April 25, 2025 at 4:32 am

Block the card
1st – If you are sure that it wasn’t you, file a complaint first with Axis bank on how they could issue an credit card to someone without your KYC. How did the other person activated it without otp.
2nd – File a complaint with RBI Ombudsman about this negligence of Axis bank and ask for compensation.

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[Promaster8603]

P

Promaster8603
OP
April 25, 2025 at 6:55 am

For filing the complaint i should know the card details, since I don’t have it I can’t file the complaint.

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[Primelaksh8349]

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Primelaksh8349
PARTICIPANT
April 25, 2025 at 8:01 am

Reach out to axis, they’ll be able to trace the card linked to your PAN/Phone card. At this point it’s just as important to them since it’s a fraud activation.

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[Wiselion6514]

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Wiselion6514
PARTICIPANT
April 25, 2025 at 8:02 am

You will see last 4 digits of card in CIBIL report.

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[Tejaslion778]

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Tejaslion778
PARTICIPANT
April 25, 2025 at 2:01 pm

You can get it from axis app if your mobile number is linked with cc.

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[Bravefox8411]

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Bravefox8411
PARTICIPANT
April 25, 2025 at 3:08 pm

if you are saying its in your CIBIL report

you have all the details on it

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[Quicksushma9423]

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Quicksushma9423
PARTICIPANT
April 25, 2025 at 3:39 pm

Nope, just mention the card linked to your PAN number

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[Bravefox8411]

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Bravefox8411
PARTICIPANT
April 25, 2025 at 3:08 pm

what happens with STATUTE of LIMITATION if 3+ year old card recovery?

now if its shown in CIBIL then ofcourse person needs to take some action and move consumer court; get FIR filed for Forgery

What do you say?

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[Wiselion6514]

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Wiselion6514
PARTICIPANT
April 25, 2025 at 4:07 pm

Yes, the baseline is that Axis bank here was negligent. Probably one of their agents.

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[Smartfalcon5701]

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Smartfalcon5701
PARTICIPANT
April 25, 2025 at 4:35 am

If a credit card is issued under your PAN and is misused by someone else, and you didn’t report it at the time, then unfortunately, your options may be quite limited now.

I think you can File a Police Complaint and Raise a Dispute with AXIS Bank.

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[Promaster8603]

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Promaster8603
OP
April 25, 2025 at 4:59 am

I filed an FIR long back but nothing happened.

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[Smartfalcon5701]

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Smartfalcon5701
PARTICIPANT
April 25, 2025 at 5:02 am

Then, you can share copy of that FIR to the legal guy who messaged about outstanding amount on credit card which is already marked fraudulent and has a FIR.
Also, if he threatens you can register a complaint at your local PS.

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[Vandanaking256]

V

Vandanaking256
PARTICIPANT
April 25, 2025 at 7:39 am

A lawyer here. Which city?
Hire a lawyer for a very simple and short reply seeking details of the card and a copy of the application form. State therein that you reserve the right to initiate criminal proceedings for forgery.
Whether you receive the same or not, file a consumer case against the bank for issuing a credit card without consent (RBI regulations bar it). The case will ensure that your version – that you never applied for a card – arrives on judicial record. Otherwise, the bank might sue you for principal and interest, damage your CIBIL, and place you in a defensive position before court.
I’d suggest: don’t ignore it and act speedily.

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[Bravefox8411]

B

Bravefox8411
PARTICIPANT
April 25, 2025 at 3:10 pm

Limitation Act or Statute of Limitation if 3+ year old recovery

I am not sure banks send any legal notices; its recovery agencies trying to use that threat to see if someone pays under harassment or pressure

unless this is not a time barred debt

What do you suggest as an Expert?

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[Tusharfox690]

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Tusharfox690
PARTICIPANT
April 25, 2025 at 9:26 am

Send them a legal notice and ask them to explain how they issued a card on your PAN & and in your name to an imposter and why FIR should not be lodged against them and why civil proceedings should not be initiated against them. And ask for appropriate compensation

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[Desieagle1410]

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Desieagle1410
PARTICIPANT
April 25, 2025 at 9:44 am

Its a spam. Ignore and block. Dont fall for it and reply to them.

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