| Name of Complainant | |
| Date of Complaint | June 8, 2022 |
| Name(s) of companies complained against | Kotak Mahindra bank |
| Category of complaint | Banking |
| Permanent link of complaint | Right click to copy link |
| Share your complaint on social media for wider reach | |
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Hi Team,
. kotak mahindra bank is continuously torturing me (abusing me via various phone calls through your recovering agents, sending me various mails regarding the payment which I never spent(infact it’s a fraud amount on which Late fees+ non payment charges are incurred , and beside I am not liable to pay the fraud amount, the KOTAK Team is continuously harassing and torturing me despite letting them know that I AM NOT LIABLE TO PAY THE FRAUD AMOUNT.
Once Again I am briefing out the entire incident :
1) a transaction was been disputed :3384.23 rs ( it was debited by unknown site, without any authentication eg. OTP/Entering of password took place on my CC in Sep 2019). PFI the screenshot of Sep month CC Statement. The statement reflects the disputed amount, as I was told by customer care, that the disputed amount will be resolved in 2 months.
sir , Let me know am i liable to pay an amount that has been fraud and kotak bank paid the amount without any OTP/Password transaction. Moreover is customer liable to pay the late fees charges along with partial payment interest charges on the fraud amount.
2) I was contacted by your executive, in month of October to pay the remaining amount excluding the fraud i.e (6349), as it will be full & final payment & she will close my account by providing NOC for CC. I agreed to it, and paid the said amount to kotak, as she made a commitment to me, that once I pay the amount ( purchases I made on cc, she will hand me over full & final payment notice, as the card gt blocked by me, after fraud transaction. PFA the WhatsApp chat between kotak executive & me. Once I made the payment , and asked for Full & Final statement & NOC for closure of CC, she BLOCKED ME ,when i asked her to hand me over the F&F (NOC)document that states that i am not liable to pay anything after paying 6349 said amount.
(As the total amount for CC WAS 9754 (Difference amount was fraud amount)
(PFA both the whtapp screenshot along once payment was received in kotak account)
PFA my statement & deposit screenshot (on 17th Oct 2019).
3)PFI the Kotak Oct month statement :
(-1361) Amount was already debited from my kotak savings amount , then refer above (2) point I paid (6349) amount. Total amount paid to kotak =7710 (is already with kotak ).
Moreover in below transactional details : you guys are crediting the fraud payment, but in same statement the 9753- amount is inclusive of fraud amount.
4) PFA kotak Nov CC Statement :
Plz see Nov statement : you guys are asking payment for the remaining FRUAD amount.
Sir kotak bank is cheating the customer, & harassing me in all possible manner past 3 yrs.
i mailed their VP, HEAD etc, but still the torture by kotak bank continues…
Sir i have been making the payment to kotak bank timely, without delay.
Even sir,Without my concent new CC is been issued, and when I denied to receive it, that CC is still at sec 63 noida branch office.
6) and then a Legal notice is been forwarded, threatening the customer to pay the amount, FOR THE AMOUNT HE/SHE NEVER TOOK FROM YOUR BANK AS CREDIT.
Sir, if you check my previous records with kotak , i was making the payments timely from day one, but I WILL NOT BE THE Suffer of the FRAUD ACTIVITY PERFORMED BY KOTAK BANK towards me.
Moreover i am not liable to pay out the non maintance balance charges/other /late fees charges that you are imposing on to me by addition with fraud amount.
Rather kotak team members are harassing me by Calling/mailing / more over abusing me with filthy language despite narrating them each and every time, that i am not liable to pay the Fraud disputed amount.
Despite calling customer care and requesting, still my cc and savings account hasn’t been closed yet. sir I am replying every time on there legal notice, but still after that they call /abuse me for no reason.
sir I really had a BAD experience with kotak, and seriously it’s very disappointing that kotak guys argue /abuse the customer without knowing the actual facts. Moreover then I receive an email for the settlement notice,
I would like to bring into notice that your Kotak executed already fooled me by saying, pay the settled amount & I will give you full & final statement (NOC) & then she blocked me.
And more over KOTAK Team asking fr settlement { not sure for what} :
At last they want me to pay the fraud amount + its late fees + etc. charges as Settlement …SIR ATLAST THE CUSTOMER IS THE SUFFERER…
sir, let me know how should i trust them, firstly, i m not liable to pay fraud amount that happened on my cc.
the kotak executive already fooled me, that pay ur expenses{ dnt pay fraud amount} i hand over you NOC, by closing ur cc account & saving account.
wht if i pay them, they will again, adding non maintenance etc charges, and will again ask fr more money.
sir there executive (recovery) use filthy language, to torture a person to core( after so much conversation on email/ call ) every time, thy ask fr payment ( fr fraud transaction), i m really fed-up.
i was going through financial crunch, & i applied fr loan, then i came to know that my cibil score is down due to kotak bank non payment {fraud amount}. non of bank was ready to give me loan & i dnt got the loan either due to them
Sir, though i have multiple account eg in axis, icici, i m making timely payment to them. they nvr faced such issue from my end.
then some of my frnds suggested me to file a complaint in RBI with all details, that complaint is in process now.
if you want i can help you with the complaint no as well. Sir, please help me with your email, so that i can fwd. you the entire incident with screen shots, so that you could understand my complaint in detail. { how everything started, along with kotak cc statements}
i am unable to attach the complaint here, as its asking image file, only.
Sir request you to please help, i really had enough torture( mentally, emotionally) by KOTAK bank, fr no reason…
Sir Request you please help me, you cnt understand my stress level, getting calls by recover agent, torturing me in all possible ways, so that i pay them the {fraud transaction along other charges to them, and they can fool me again, by start off the saving & cc ( account & start imposing non balance + etc charges again from me) else will ruin my cibil score.
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