Kotak Mahindra Bank — incorrect charges on personal loan and harassment after 5 years of last installment

Address:

Mumbai City, Maharashtra, 400706

I applied for a personal loan from kotak mahindra bank on 4-feb-2010, loan account csg3945918. An ecs on emi was placed to my hdfc bank account.in the first 2-3 months, there was an ecs failure as kmb had incorrectly captured the bank account number to be debited. I had to pay them through pdcs. The last installment for the loan was paid on 3-feb-2013. After 5 years, kmb is asking for cheque bounce charges of inr 19147. They threaten to put lien to my account with them, which had been offered for closure in 2012 through a letter submitted at their kandivali branch. Further, they have processed a credit card in my name without authorization for which they have generated monthly bill. The pace of resolution is so slow and the process so lethargic - you can complain only from their website, not write more than 200 words and explain in attachments - at the end of it, they promptly mention that it will take 5 working days to respond. Kotak mahindra bank has been the worst bank in my experience where the banking arm does not know what loans department does or what credit card department does. They also do not have records of older correspondence and ask for it for reference from me. I wonder how kmb arrived at the conclusion that it is the customer at fault and not them. Wondering i[censored]day kotak, dipak gupta and shanti ekambaram approve of bank's irresponsible behavior.