Kotak Bank — Kotak mahindra bank - credit card /saving cheated me yet again. & false promise

Address:	Pune, Maharashtra
Website:	www.kotakbank.con

Hello, Kotak Mahindra bank has cheated me yet again - this started in November 2014- i had a salary account & later on i had switch my salary account to a different bank & the bank converted the account to saving where I need to maintain the balance -which is fine - i wasn’t able to maintain the balance which is still ok as i had paid all the non-maintenance charges - then when i called customer services to check if there is any negative balance in the account as i had to pay Kotak credit card through my Kotak saving account - i was informed that no negative charges as all the non-maintenance charges have already been applied - so i deposited the money in the account to transfer to my credit card- this money was immediately taken by Kotak bank as non-maintenance charges & so Kotak credit card also applied the nonpayment charges, then i called bank & this thing is been going on since then as I am fine to pay my non maintenance charges - So the email exchange continues & i never received any reply from email or when i called bank was informed that will get a call back & never received a call - Then last month i get a call from Kotak credit card dept. ( Mr Vaibhav ) He apologized & that me to pay the principle amount & he will clear My savings account & will clear my credit card & ill be able to use the saving & the credit card as before- Been over a month now that i have paid the Credit card & my savings account is still showing Negative balance & when i called The customer service ( what a service ) they told me that my credit card has been deactivated & they Hung up on me. I am tired of getting disconnected on the millions of calls to customer service & all the fake promise done by bank reps . I feel cheated & Humiliated & Harassed with the multiple collections calls. I kown i am not worng as i was always ready to Pay the charges - but the nusense happened by bad customer service who provided wrong information & the collection team who cheated me . Please assist. Shardul Kumbhare