[Resolved]  Kotak Mahindra Bank — Unnecessary harassment for Credit Card

Website:

www.kotak.com

Hello I'd like to register a complaint against Kotak Mahindra Bank with respect to credit card recovery. I had a credit card of Barclays Bank no. [protected], which i have stopped using it after paying the outstanding by June or July,2008 (don't remember the exact date). After that there was no email, nor any communication from the bank stating any charges due to me or payment due to me. There was even no communication from their end regarding outstanding charges that was mounting till date. Suddenly today, i.e., August 27, 2013, I received a call from Mr. Sunil Delhi Police, Adoni, Andhra Pradesh ([protected]) who stated that an Arrest Warrant has been issued against me, if I don't make an outstanding payment of 10,000 immediately, by 2PM. When asked about the transaction details, from Mr. Sunil, I got a reply like, "you need to talk with Mr. Sumit (alias Vikas ICICI Om Prakash, courtesy: True Caller) [protected]. Mr. Summit called himself as an Advocate and was entitled to share my details who couldn't furnish anything when i asked for the same. He doesn't even have my Case No., against which the Warrant was issued when I asked for the same. I have narrated the entire story to the Kotak Bank Customer care department, after which a call from Kalpana Devi.K. ([protected]), Portfolio Resolution Manager-RARD, Kotak Mahindra Bank Ltd, Shop no: 58 & 59, Sree Complex,2nd floor, B.H.S.C, ‘T’ Block, Banashankari 3rd Stage, Bangalore – 560085, stated that a full closure of the amount has to be made. The statement shared is furnished as under: Account No.: [protected] Card No: [protected] Balances Outstanding As on: 31 March 2010 Particulars Receivable Payable Balance Sales Draft 1,205.57 0.00 1,205.57 Balance Transfer 0.00 0.00 0.00 Cash Advance 0.00 0.00 0.00 Payments 0.00 0.00 0.00 Fee / Interest 6,136.78 0.00 6,136.78 Adjustments 6.47 0.00 6.47 Other Debits 403.55 0.00 403.55 CreditVoucher 0.00 0.00 0.00 INDInstalment 0.00 0.00 0.00 Total Receivable 7,752.37 0.00 7,752.37 As already stated that there was no communication from the Barclay’s end regarding payment due/outstanding despite some emails from my end to close the card. The Card was issued with Zero Processing fee, Zero Joining fees, Zero annual fees, Zero membership fees, due to which I showed interested to go for the card. When I checked my last CIBIL score in 7 Dec 2012, I found out that that there was a due amount showing from Barclays Card. I immediately contacted the Bank and found out that they don’t deal with the same any more. I wanted to pay the amount for which I have really liable to, but not for which I am not entitled to. The Bank could decently call me and figure out the same without any threat call or mental harassment, probably it is the practice of the Bank. I’d therefore look forward towards the initiative from the Bank’s end to issue me a no due certificate after it is clear that the payment against the Sales Draft 1,205.00 has been made/to be made from my end. Look forward to your cooperation as I am mentally getting tensed and feel threatened due to calls from the Bank’s end. Regards Mrityunjoy [protected]