1) Narrate same issue from day one till date and make a complaints to RBI ombudsmen against both the banks. Then see how these both banks will be screwed up.

How to file online complain

You can approach the Banking Ombudsman IF

1. You have not received a reply from your bank within one month from the date of receipt of complaint by the bank OR
   
2. The bank has rejected your complaint OR
   
3. You are not satisfied with bank's reply

The following is the process for lodging an online complaint with the Banking Ombudsman.

• Visit ONLINE COMPLAINT
  
• Select BO office (Banking Ombudsman). Please visit here to know BO office jurisdiction.
• You will be asked to fill Bank name, branch name, Complaint name, Mobile no.
• Fill up the form with necessary details and Click “SAVE”
• After successfully submission of your application, user can upload supporting documents by clicking on upload option. Supporting document means copy of complaint, bank reply, evidence etc.

You will get acknowledgement of complaint once review is done by Ombudsman. Within 30 days from your complaint, Ombudsman will resolve the issue. They may contact you if any clarification require. 

You can file a complaint to banking ombudsman or consumer court and get it redressed.

You can re contact them or ask Axis Bank to re open your account from closed account date onwards than you will come to know what exactly is going on.

you have to file complaint with bank ombudsman if no money was credited to your account 

2) in alternative file complaint before consumer forum and seek orders to direct bank to pay you compensation for mental torture undergone by you. Also seek litigation costs 

if you have already filed complaint before ombudsman wait for action to be taken on your complaint 

Then you can filed complaint in consumer court

Dear Sir,

You have to get issue a legal notice and personally visit to the office of Ombudsman to know the status of your complaint. You can file a consumer case claiming compensation also for mental torture etc.  

You need to write the banking ombudsman to discharge your application so that increase the the decision is against you then you can file a writ petition in the High Court

Dear

You should file a complaint before consumer dispute redressal forum for refund on money along with compensation in which you should make Respondent to Axis Bank Vijaya bank and Phone pe app they should resolve the dispute and refund your money. 

you can file a case against the bank either in district consumer forum or directly approach the bank with the message and opt for a settlement through ombudsman.

The consumer forum will take atleast and year to resolve your claim.