aubank.in Avis 5

Very disappointed with the service of AU Small Finance Bank.

All required documents were submitted for an overdraft facility, and the OD account was also opened. However, after 3–4 months of continuous follow-up, I was informed that the amount would not be disbursed.

When I requested account closure, I submitted a formal application along with all required documents at my home branch. Now I am being told that the closure cannot be processed here and must be done at another branch.

This kind of mismanagement, lack of clarity, and unnecessary delay is unacceptable. It has caused significant inconvenience and loss of time.

Requesting immediate intervention and resolution. If not addressed promptly, I will be forced to escalate this matter to higher authorities and consumer forums. sandeep viswakarma.. contact no.

Very disappointing experience with AU Bank. During the video KYC process, I was informed only to keep my PAN card. However, midway through the video KYC, the agent suddenly asked for salary slips and other documents, which were never communicated in advance.

When I questioned why these requirements were not informed beforehand, instead of explaining properly, the application process executive Manoj abruptly rejected my application. This shows poor communication, unprofessional behavior, and zero customer respect. If additional documents are required, customers should be clearly informed before starting the process  not surprised midway and then penalized for it.
Overall, a pathetic and frustrating experience. I would think twice before applying again

🚨 BANK EMPLOYEE SCAMMED THE CUSTOMER 🚨

I am writing this report a case of fraud involving Pandiyarajan, a regular collection staff member at Fincare/AU Small Finance Bank, Pudukkottai branch.

In April 2022, I took a loan of INR 30,000 from Fincare Small Finance Bank. From that point onward, I regularly paid my EMI in cash each month on time to Pandiyarajan, who was responsible for collecting payments. However, he consistently refused to provide me with payment receipts, giving various excuses such as not bringing the bill book or claiming that the bill book had run out.

Despite this, I never received any notification from the branch office regarding overdue payments throughout the loan period. My loan duration was 24 months, and in May 2024, I completed the full repayment of INR 30,000, including EMIs, by cash to Pandiyarajan.

In September 2024, I was shocked to receive a call from the head office stating that I had pending dues for 11 months amounting to INR 17,500, with only 13 months of payments recorded. I immediately contacted Pandiyarajan and the branch manager. They falsely assured me that it was a "group overdue" issue and claimed that my loan was fully settled.

Following this, I did not receive any further calls until October 2024, when the Pudukkottai branch's overdue department contacted me regarding the same issue. I visited the bank and discussed the matter with the overdue department staff in the presence of Pandiyarajan and the branch manager. I reported Pandiyarajan's refusal to issue receipts and confirmed that I had paid the full loan amount without any pending dues.

During the meeting, Pandiyarajan admitted to collecting the 11 months' loan dues without depositing them in the bank. He acknowledged his mistake and accepted full responsibility for repaying the amount. I recorded a phone conversation in which he admitted to taking the money and assured me that he would resolve the issue since he was still employed at the bank. He explicitly told me that I need not visit the bank or respond to overdue department calls.

Despite this assurance, the overdue department continued to contact me. I responded promptly and appeared at the bank whenever necessary. In October 2024, Pandiyarajan informed the overdue department that he would repay the full pending loan amount within 45 to 60 days. Partial payments of INR 1,640 each in November 2024, December 2024, and January 2025. However, in January 2025, he informed the overdue department that he would not make any further payments. He falsely claimed that after receiving the loan amount from me, he had given the money to a previous employee who had already left the bank a couple of years ago. Huge lie and irresponsible staff. He is responsible for the mistake, and it does not concern me.

Since Pandiyarajan is resigning at the end of January 2025, he is attempting to take advantage of the situation. I obtained my bank statements, which clearly show that the pending dues from July 2023 to May 2024 were collected by him. I also have a recording in which he admits responsibility for the full pending loan amount.

I reported this matter to the regular collection department and overdue department regional managers, but they said that Pandiyarajan is a fraud and that I must recover the money from him personally. They have refused to take any responsibility or initiate recovery proceedings. Everyone in the office is aware that he took the money, yet they choose to remain silent. Instead, they suggested that I may need to face legal action despite having already paid the full loan amount.

I categorically refuse to repay the loan a second time due to the fraudulent actions of a bank employee. Pandiyarajan is completely responsible for this issue of the remaining 8 months loan pending due amount nearly 12500 INR, and the bank must hold him accountable.

There is a severe lack of customer support and accountability at the branch recovering the customer money which is bank's money. Shows that irresponsible staff working in the office.

I have opened an account with the his bank after their sales person reached out to me for opening a NRI account. My account has been blocked since I opened for no reason. Their IT systems are NOT well equipped for handling NRI accounts. You can’t update your mobile/ address using their app/website as it will not accept non-Indian postal code. I have submitted re-KYC form multiple times to reactivate my account. Got call from them for verification. It was confirmed on email about successful verification, still my account is blocked. I don’t understand why they provide service which their systems are not equipped. I would advise others to refrain from this bank and its services. Thanks!

Nice Bank... Good Service 😀