[Resolved]  Kotak Mahindra Bank — False Card and collection agent abusing my family

Address:

Delhi

Hi Sir,

I had applied for a AmEx credit card in July and last saturday (July 27th), i got a call from an AmEx representative and she said that i have an outstanding credit card under my name with Kotak Bank (she said, its reflected in my CIBIL) and gave me all the details (CC no., amount outstanding, date of issue etc. and also a number of Kotak's legal department). To my surprised, i never had such card and as a genuine customer i called Kotak's legal department person named Amit (phone [protected]) so as to discuss the matter. He confirmed me all the details given by the AMEX rep. I told him that its not my card and someone may have misused my papers. Mr. Amit said, that is not possible and immediately gave me a settlement offer of 35K against an outstanding of 45K. I understood, there is no point explaining him my situation and so i told him that i'll let him know and disconnected

Now, from last 3 days some gentlemen is calling me but as i said, this is not something I owe and so i dint talk to him. And today, he started calling me @12:35 when I was in an important meeting with my boss in office (my appraisal discussion) and till 1:30, he called my 16 times (I have records) - my manager did not liked this and so did i and so as an outcome of frustration, i abused him and disconnected. Now this representative went a step ahead and called my Fiancee (violation of RBI's master circular on credit card operations of Banks - section 6.3C AND Kotak Mahindra's Bank code of conduct) and threatened her. Kotak's collection rep told my fiancee about this false debt, he threatened her saying he will call her and my family members and tell them everything and he also insulted my fiance saying - "app ka pati chor hai!!"

These things are highly intolerable. Because of these guys, my married life, which is in a very delicate stage is in danger and I might go ahead and file for a 'Maan Hani' if i dont get a satisfactory reply.

Continuing with the story, at lunch and after my meeting, i called Kotak's rep and he said - "app ne gaali kaise di" - very offensive. I asked the rep to transfer me to the manager. I spoke to the manager, although she was better then the earlier rep, still she was convincing me for settlement. she also threatened me saying she will call my family members and my manager So in order to buy me some time to write this, i asked her to go and work out some settlement plan for me.

I would request you to check into this matter ASAP and ask Kotak's rep to stop calling till the matter is not resolved and also I am looking for an answer Why their rep called my Fiancee - i demand a formal apology and written assurance that this wont happen again.

Also, just for some more weight, Last month, i got a similar news that there is some demat account with my PAN in ShareKhan in Delhi. I have mailed those people also that there is some paper misuse - this incident happened before i got a call from Kotak and AmEx - so its not a cooked up story.

Kotak Credit card details:
Card No. [protected]
Date when I got it (According to AmEX rep): 6th June 2008.
Deliver Address: 4/44 A, Vijay Nagar, Delhi (I vacated this house around 1st or 2nd week of May)

Phone Numbers from where I got calls:
Amit and one Lady Manager: [protected] (They say, they are Kotak's legal dept which i doubt)
Collection Rep: [protected]