Hello rbi.
I have complaint against kotak bank and fullerton bank. I got personal loan form fullerton financial on sep 2008 of 35000/-. I paid 24 instalments and on 25th i paid full and final payment as 18, 500/- as cash to their collection executive. After paid final i did not get any call or mail or any communication by the end of fullerton bank. After few years i shift my house and also change my communication number. Now i am very surprised and shocked when last week i got call form delhi and they told me they are calling form kotal bank and i have some dues against my loan which i got form fultron. They told me that kotak bank buy portfolio form fultron bank to recover loans. I told them that i have already paid but they decline and told me that there is no receipt update regarding payment 18, 500/- as final payment and you need to pay pending payment. They asked me to show that receipt but unfortunately the receipt was misplaced when i shifted and its going to 7-8 years. They told me that your name is in cibil but there is nothing like they said. My cibil is ok and i got auto loan. Then they told me that no worries we will update your cibil in next 24 hrs. They asked me my pan card number i decline to gave them then they said it is not a big deal we will get your pan card number within 24/hrs and update cibil. I asked him if i did not paid to fultron than why they not contact me in between 7-8 years. But they guys were very rude and bad behaviour with me. One day they called on my wife's official number also misbehave. We are really shocked from where they are getting these numbers. I married 3 years ago and my loan was 10 year old and my wife don’t know about it but they call again and again on my wife's official number. I discussed with them again and the guy who called again named "raman tyagi" told me that you have a time to till 14th may to pay and i am the authority on this deal. I discussed and get advised by advocate they told me don't pick their calls, they don't have right to call like that and bank never misbehave like they are doing and if your cibil is fine that means you don't have any due. On 14th may evening to 15th evening i was too busy and not able to pick their call, but they called me again and again even on my wife's official number. We decline there calls, but we were shocked when we saw they called on my wife's colleague who already left job 2 years ago and misbehaved with her and used very bad language for her. They also abuse and talk on here character. She carried and call to us and tell us about all, but they did not stop here, they call to my an old friend who is not in touch with me from long time and told him that i "naresh kumar" applied for loan and gave your reference number, he decline and tell them he can't gave my number and i don't know about there any loan. After that they guys call to my one more friend and same lie that mr. Naresh applied loan form kotak bank for 3.5 lac and gave your reference number, my friend first tell them yes i know mr. Naresh but don't know about any loan so you can call his brother, that guy get my brother number and called him and use very much abusive and threaten languages. My brother told that guy we don't know about that loan you need to contact with naresh, then that guy call to my friend's relatives and again lie that naresh applied for loan this verification call. That guy again called on my brother on 15th evening and threat that they will stop my father on market and will slap and many more things.
When i called them back and asked him why they call to my relative, friends and there relative they said i don't who called form my team will find out soon but you first pay pending loan amount as 26, 600/-, i told him that i don't have that much they offer 24000/- again i decline they said he will discuss with their senior and mail me about final amount to pay. Yesterday i got mail that i need to pay 21500/- in one shot and also got call, i again asked that guy "raman tyagi" that those abusive and threaten calls that are illegal they ignore again and said will find out who did. And just talk to pay amount.
I also visit on kotak bank branch regarding this issue and i got the concern person contact number as mr. Gurpreet singh dhillon, i called him about all issue they told me that they don't know about my case, they told me that no one can call you like that and no one can misbehave with you like that on the behalf of bank, i told him that they are doing then they told me wait will find out. They call me back and that time i was on another call and suddenly my phone was switch off, i call him again 15th evening but now they refuse to help me and advice me to settle with them and pay.
I want to know is there any law or rule which give them permission to do this with public? And how can they get numbers of anyone and can misbehave and threaten? Is this legal?
This is the number from m all my friend and relatives get abusive and threaten calls. – [protected]
These are few more numbers form we are getting calls —
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This time i am very helpless and under threaten too, that is why i have to pay to avoid these kind of calls and black mailings. But hope you guys will help me out and find out all these, so that nobody face this situation in future.
Kotak Mahindra Bank customer support has been notified about the posted complaint.
