Kotak Mahindra Bank Complaints & Reviews

Hi I want to know does this consumer complaints works for some one do we get some reply with resolution. also i want to know the grievance cell of RBI with email id :[protected]@rbi.org.in works for some one. I have raised a complaint on above mention email address against kotak bank no reply no response . If yes let me know on rajesh.[protected]@gmail.com

Dear Team EMP NO-OM40955 PF NO-MH/45187/40925 Please Find Below Details regarding My PF. Kindly Provide Status ASAP. NAME EMP ID CURIER NAME DATE POD NO DELIVERY DATE NIKULSINH CHAUHAN OM40955 TIRUPATI CURIER [protected] [protected] [protected] Regards, Nikulsinh Chuahan [protected]

Kotak bank is the worst bank. no customer complain is solved here and they charged un necessary charges to customer. when we complain to manager about the charges, manager agrees to reverse the same and after some time manager is being transfer to some another branch and problem remain un solved. the new manager deny to resolve the problem and do not give attantion to old customer. dadar east kotak bank is the worst bank in all. very bad experience from that bank. that bank had charges me about 6000.00 charges to me.

I got a car loan for my skoda yeti TN59 BC 0005 at kotak mahindra prime for Rs.12 lakhs on 2012 and i made the foreclosure on 2013 along with 5.62% charges for the outstanding Rs.9 lakhs. Later kotak called me and offered me a personal loan for Rs.5 Lakhs for my prompt previous track records. Now 14.10.15 when i approached kotak to foreclose my personal loan against my car record. Kotak demands me Rs.20, 000 as foreclosure charges for the outstanding amount Rs.3, 21, 000. When i insisted them regarding the RBi master circular regarding foreclosure charges waiver. Kotak states if so they cant get the payment i make and cannot issue me the NOC certificate to cancel my vehicle finance registration. What can i do next, please do guide me. Thank you.

Hi!! I am having Two credit cards from Kotak however since past 6 months due to bad financials I am unable to pay even the minimum dues for my cards. When I seek their help for converting amount into easy Emi's they give me options which comes around 10 K per month which is again impossible for me to pay. My Salary is 36000 where I have following liabilities 1. a personal loan and the amount for the same 18500 2. I pay a rent of 6500 3. My son's school fee is 5500 4. Electricity Bills which comes around 2500 a month 5. I have two kids and hence the basic necessity like milk for them costs around 2000 every month 6. Every months grocery and vegetables easily comes around 3 K atleast I am willing to pay bank the amount however I need a solution which can work out for me myself and bank but the options given are not worthy for me and on top of that representatives react as if I am playing in Lakhs and crores and I dont want to pay the amount on top of that they harass my Grandmom where I used to leave earlier as that's the address I mentioned when I got the card. Even after repeated request not to visit and harass her collection people go there and mentally harass she is already 75+ and she cant bear all such incidents. Moreover when I am the one who is owning the card why they need to harass her or do any sort of conversation with her. I am just 30 and I know that bank is the only one who can fulfill the financial needs in each and every form and I would have to seek help for my kids future and whether a big business or a poor person they need to take helps from Banks Please help as I cant bear all this mental trauma and cant see my wife or grandma going through all these tension

I am a nri and one year back when i was in india enquired about opening an account. The representative hurriedly opened the account and gave me no details on how to operate it or any other detail what so ever. Since then i never operated the account but keep getting email from the bank to notify it is still active and chargin non maintainence fee. Asked them 100 times to close it.sent filled forms. Still not closing. I am so annoyed and mentally harassed.

Dear Sir/Madam We have received a email reminder in july 2013 from Kotkat Mahindra bank ltd, asking us to settle the outstanding dues against which I have made detail reply explaining with supportings for payment made on Dt.[protected], The banker said verbally that he will get back to us and there is no return communication for the same nor they contacted us, But After a span of 2 1/2 years, we have received email reminder once again on 6th Oct -2015 asking us settle the outstanding or face 138 proceedings, As we don't have any alternative options but only to share all trail mail and payment supportings once to again to them for there record. We are following with them, But there response is poor even after that, nor the attend our calls or reply to our mail . All trail mails with supporting is attached Reshma Das Reshma Shammi Attachments12:08 PM (21 hours ago) to girish.hegde, Roopa.r.s Dear Roopa & Girish We would like bring to your kind notice that we have received email on dt .29th July 2013 asking us to make payment for the balance outstanding immediately, And we have replied immediately on dt.31 July 2013 with all supportings documents for payment made on[protected] and the same is once again attached for your record, But however your response to our email reply was verbal saying that you will get back to us immediately . There was no response from you side there after. We have received a mail for on 06th Oct -2015 ( after 2yrs 4months ) stating that there is outstanding payment against your a/c, Kindly make payment immediately or proceedings will be initiated against you, We would like to once again inform you that we have already cleared our dues and for which supportings are enclosed, So request you to send closure letter immediately for the settlement done on[protected] . Thanks Shammi Note : Trail mails are shown below for your record [protected] Forwarded message[protected] From: Reshma Shammi Date: Wed, Jul 31, 2013 at 5:50 PM Subject: Re: Barclays credit card - Settlement Letter To: Roopa.r.[protected]@kotak.com, girish.[protected]@kotak.com Hi As discussed with Khan, I would like to highlight that we have made full & final payment to an amount of Rs.12734 vide chq.No. 150715/[protected] to Barclay Bank PLC as communicated to us by barclay bank, But for whatever reason the same payment which was couriered through Blue Dart and got undelivered, Later when we contacted the bank they told us that they will send an authorized collection agent through whom we can settled the full and final payment, The payment to an amount of Rs.13250/- vide ch.No.158867/21-11-09 was made as full and final settlement for which we received a receipt No.C1113707 and the collection agent convinced and promised to provide a settlement letter as printed in reversed side of the receipt . But when we repeatedly followed with collection agent for setllement letter he stopped and unattending/disconnecting our calls . On Tue, Jul 30, 2013 at 11:12 AM, Reshma Shammi wrote: [protected] Forwarded message[protected] From: Date: Mon, Jul 29, 2013 at 4:43 PM Subject: Barclays credit card - Settlement Letter To: [protected]@gmail.com Cc: girish.[protected]@kotak.com Hi, Please find the attached scan copy of the Settlement & kindly make the payment immediately. The Cash / DD to be in favor of "Phoenix Trust 12 - 3 CC" Warm Regards, Roopa Rani B S | RARD | Kotak Mahindra Bank Ltd. NO 58 & 59, 2nd Floor, Sree Cmplx, Bhavani Housing Co-op Society, Kathrigupe, Banshankari 3rd Stage, Bangalore-560085|( +91 – [080][protected] Attachments area Preview attachment Barclay bank.pdf PDF Barclay bank.pdf

My CRN No. 97351302 and A/C No. [protected]. my complaint is that my star pass code SPE83MCWVF (Which Given by Kotak Bank for Month Aug'2015) was given invalid during book a ticket on pvrcinemas website. I have 12-13 reminder to Service team & 12-13 times call to customer care executive (Hitesh, Kundan, Chirag, Sanjeev, Nilofar, Ravi, Gopikishan, pooja) & 3 times talk with Senior customer executive (Mr. Alok, , Miss Shama, Mr.pradeep) and i have raised three service request (1-[protected] ; 1-[protected] ; 1-[protected]) but still kotak team has not solve my problem. i suffering from this problem since last saturday, 26 Sept 2015. Also i have send the error with screen shot to kotak service team & Mr. Alok (Sr. Customer Executive) what is the problem from kotak service team??? and its too much time taken for solve the problem. i humble request to kotak team, please solve my problem urgently. i was frustrated and irritated for kotak service.

My complaint is that my star pass code SPE83MCWVF (Which Given by Kotak Bank for Month Aug'2015) was given invalid during book a ticket on pvrcinemas website. I have 12-13 reminder to Service team & 12-13 times call to customer care executive (Hitesh, Kundan, Chirag, Sanjeev, Nilofar, Ravi, Gopikishan, pooja) & 3 times talk with Senior customer executive (Mr. Alok, , Miss Shama, Mr.pradeep) and i have raised three service request (1-[protected] ; 1-[protected] ; 1-[protected]) but still kotak team has not solve my problem. i suffering from this problem since last saturday, 26 Sept 2015. Also i have send the error with screen shot to kotak service team & Mr. Alok (Sr. Customer Executive) what is the problem from kotak service team??? and its too much time taken for solve the problem. i humble request to kotak team, please solve my problem urgently. i was frustrated and irritated for Kotak service.

Sir, I payment DU university Open School Fees Rs. 3441.40/- by kotak mahindra netbanking service, it says trasaction faluire on 14 august 2015, after that i call kotak care they said money will be deposit in your account after 3 days that i pay again by SBI net banking on 15 Aug, 2015 . than after 3 or four days i call again they said it will take time ., than on 2nd sep they said that complain have been solved on merchant side. i can not understand that for one person how can be it possible two time payment for same ID. My CRN No. of Kotak Bank 67269172 & Acc. no. [protected] Name: Sorabh Garg Mob : [protected]

Dear Sir/Madam, I Ishwar Pal worked with Ing Vysya Financial Services Limited (Subsidry of Ing Vysya Bank Ltd now merged with kotak mahindra bank) in chandigarh branch home loans department as a sales executive.My emp. Code was 31421. I resign from this job on 15thJan 2015 and served 15days notice as per company policy my last working day was 31jan . 2015 . From last 6 months i send many mails to my company and senior staff .now I received My Relieving letter after Submit Complaint Here (http://www.consumercomplaints.in) .But still i have not receive my full and final. When i cantact to concern person Mr. Visweswara Rao Bhonagiri from Bangalore. He said full n final already paid to you from his side which was input in system only by your reporting manager and if you want any clarificationon on incentive part you have to contact your reporting manager. After that i mark many mails to my reporting manager Mr. SUSHIL JINDAL ( SALES MANAGER IN HOME LOAN, MANIMAJRA BRANCH CHANDIGARH)but he not replied and when i called him for same he said according to your appointment letter Company Has not payable any incentive of disbursed business during notice period day and you have not get any benefit tof send mail to us.ans you can go anywhere for complaint against us. I am claiming for my incentive only which was disbursed by me between Oct. 2014 to Dec.2014. My pending is Incentive (aprx.15000 to17000)i sending details of file which was disbursed by me -: 1.Name of the Case-Jagdeep Singh(J S Plastics) Baddi. Loan Amount -12 Lacks loan account no-HL[protected] on dated 16.10.2014 2.Name of the Case-Bhajan Singh Chandigarh. Loan Amount -108 Lakhs (103 lakhs +5lakhs) on dated 22.10.2014.Only Insurance incentive pending of this case(5 lakhs Insurance from icici Lombard). 3.Name of the Case-Munish Gulati Chandigarh. Loan Amount -35 Lacks loan account no-HE[protected] on dated 30.11.2014. 4.Name of the Case-Jaspal Singh(Pall Metals) Chandigarh. Loan Amount -10 Lacks loan account no-HE[protected] on dated 31.12.2014. I HAVE WRITE HERE SO MANY TIME ABOUT ALL OF THIS PROBLEM BUT THERE IS NO EFFECT ON EMPLOYER. Here is many ex employee of this company whos suffering from same situation. Plaese Do the needfull in this metter i will thankful to You. Thanks & Regards Ishwar Pal Emp. Code 31421 Mobile no. [protected]

I received a e-mail from the bank regarding conversion of my dues on the credit card into EMI with complete details of my dues and records. The link took me to a page to confirm acceptance of the offer to convert my dues into EMI. When I confirmed I was informed that my payment has been converted to EMI and I will be confirmed about it soon.

Dear Sir/Madam, I Ishwar Pal worked with Ing Vysya Financial Services Limited (Subsidry of Ing Vysya Bank Ltd now merged with kotak mahindra bank) in chandigarh branch home loans department as a sales executive.My emp. Code was 31421. I resign from this job on 15thJan 2015 and served 15days notice as per company policy my last working day was 31jan . 2015 . From last 6 months i send many mails to my company and senior staff .now I received My Relieving letter after Submit Complaint Here (http://www.consumercomplaints.in) .But still i have not receive my full and final. When i cantact to concern person Mr. Visweswara Rao Bhonagiri from Bangalore. He said full n final already paid to you from his side which was input in system only by your reporting manager and if you want any clarificationon on incentive part you have to contact your reporting manager. After that i mark many mails to my reporting manager Mr. Sushil Jindal but he not replied and when i called him for same he said according to your appointment letter Company Has not payable any incentive of disbursed business during notice period day and you have not get any benefit tof send mail to us.ans you can go anywhere for complaint against us. I am claiming for my incentive only which was disbursed by me between Oct. 2014 to Dec.2014. My pending is Incentive (aprx.15000 to17000)i sending details of file which was disbursed by me -: 1.Name of the Case-Jagdeep Singh(J S Plastics) Baddi. Loan Amount -12 Lacks loan account no-HL[protected] on dated 16.10.2014 2.Name of the Case-Bhajan Singh Chandigarh. Loan Amount -108 Lakhs (103 lakhs +5lakhs) on dated 22.10.2014.Only Insurance incentive pending of this case(5 lakhs Insurance from icici Lombard). 3.Name of the Case-Munish Gulati Chandigarh. Loan Amount -35 Lacks loan account no-HE[protected] on dated 30.11.2014. 4.Name of the Case-Jaspal Singh(Pall Metals) Chandigarh. Loan Amount -10 Lacks loan account no-HE[protected] on dated 31.12.2014. Plaese Do the needfull in this metter i will thankful to You.

Thanks & Regards
Ishwar Pal
Emp. Code 31421
Mobile no. [protected]

CRN NO 84629791. MERA SEPT MONTH KA EMI THA 3437.00 DUE DATE 10 SEPT thi. A/c se amount auto debit kiya jata he. Mere a/c me balance nahi tha. Isliye maine 8 sept ko check payment kiya. Check clearance ko 3 din lagenge kaha. Maine auto debit ke bare me pucha to kaha ki check payment karne ke baad bhi auto debit ka fine lagega. So Maine check payment stop karwaya. Aur a/c me 10000 Rs jama kiya. 10 Sept ko auto debit nahi hua.Maine 11 sept ko Cust care me call kiya to kaha ki system error hai. Maine kaha next EMI me koi fine lagega to mai payment nahi karunga. Unhone kaha aisa much nahi hoga. Aur regular EMI pay karna hoga aisa kaha. 20 Sept ko mujhe msg aya ki next EMI Due date 11 Oct hai aur 5700 Rs payment karna he. Maine Cust care me call kiya to check karenge. Lekin koi reply nahi aaya. 22 sept ko mujhe payment me liye call aaya. Maine kaha meri complaint lo, aur mere issue solve karo. Complaint kiya. Lekin still complaint in process hai. Payment karne ke liye 3 call aye. Maine kaha complaint solve hua nahi. Solve hone ke bad payment karunga. Due date khatam hone me 5 days baki he... Agar complaint solve nahi hui to main payment nahi karunga... Please meri help karo.

Hi, This is Mahesh from Pune. Credit card ka 4th EMI tha 3437.00. Mere a/c se auto debit hota he. 10 sept due date thi. Mere a/c me balance nahi tha. Isliye maine check payment kiya. Bank walo ne kaha ki check payment kiya to bhi auto debit ka fine lagega. So Maine check payment cancel kiya.. A/c me cash jama kiya. For bhi is month ka EMI 5700/- pay karne ko bol rahe he. 22 sept ko Cust care walo ne complaint liya hai.. Lekin Abhi take solve nahi kiya. Next EMI due date hai 11 OCT. So pls help me.

Dear Sir/Madam, I Ishwar Pal worked with Ing Vysya Financial Services Limited (Subsidry of Ing Vysya Bank Ltd now merged with kotak mahindra bank) in chandigarh branch home loans department as a sales executive.My emp. Code was 31421. I resign from this job on 15thJan 2015 and served 15days notice as per company policy my last working day was 31jan . 2015 . From last 6 months i send many mails to my company and senior staff .now I received My Relieving letter after Submit Complaint Here (http://www.consumercomplaints.in) .But still i have not receive my full and final. When i cantact to concern person Mr. Visweswara Rao Bhonagiri from Bangalore. He said full n final already paid to you from his side which was input in system only by your reporting manager and if you want any clarificationon on incentive part you have to contact your reporting manager. After that i mark many mails to my reporting manager Mr. Sushil Jindal but he not replied and when i called him for same he said according to your appointment letter Company Has not payable any incentive of disbursed business during notice period day and you have not get any benefit tof send mail to us.ans you can go anywhere for complaint against us. I am claiming for my incentive only which was disbursed by me between Oct. 2014 to Dec.2014. My pending is Incentive (aprx.15000 to17000)i sending details of file which was disbursed by me -: 1.Name of the Case-Jagdeep Singh(J S Plastics) Baddi. Loan Amount -12 Lacks loan account no-HL[protected] on dated 16.10.2014 2.Name of the Case-Bhajan Singh Chandigarh. Loan Amount -108 Lakhs (103 lakhs +5lakhs) on dated 22.10.2014.Only Insurance incentive pending of this case(5 lakhs Insurance from icici Lombard). 3.Name of the Case-Munish Gulati Chandigarh. Loan Amount -35 Lacks loan account no-HE[protected] on dated 30.11.2014. 4.Name of the Case-Jaspal Singh(Pall Metals) Chandigarh. Loan Amount -10 Lacks loan account no-HE[protected] on dated 31.12.2014. Plaese Do the needfull in this metter i will thankful to You. Thanks & Regards Ishwar Pal Emp. Code 31421 Mobile no. [protected]

Dear Team, This is final reminder for all of you, Whether you can able to resolve this and close my account or not ????? Send so many mails and so many phone calls there is no response this worst Bank i ever seen in my life .after requesting so much you people are not bother to ask customer concern, is this a way to treat your customer like this . Account should close immediate and including Demant account has been opened without my permission. Name- Ramanagoud Biradar Mob [protected] Please refer the below mail which i have sent customer care there is no reply yet. Hi Need immediate clarification and has to close this account and demant account an immideate effect.. - Hide quoted text - On 19-Sep-2015 5:35 PM, wrote: Dear Mr. Biradar, This is in reference to your below mail. At the outset, please accept our sincere gratitude for sharing your concerns with us and giving us an opportunity to assist you. Further to your query, we would like to inform you that we have forwarded your concerns pertaining to your account to relevant team and shall revert to you on the same shortly. Looking forward to your kind co-operation in this regards. We value your business and hope to have an enduring association with you in the future as well Best Regards, Manoj Naiya Kotak Securities Customer Care If you have a query or need any clarification you may do any of the following to connect with us: (1) Call us at[protected]toll free) /[protected]prefix your city STD code) /[protected]toll free) (2) Write to us at service.[protected]@kotak.com (3) Post a Q-Form via our website - Login to trade - Customer Service - Solve your queries (4) Send us a fax on[protected] (5) Chat with our representative online - www.kotaksecurities.com Kotak Securities Limited. Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051. CIN: U99999MH1994PLC134051, Telephone No.: +[protected], Fax No.: +[protected]. Website: www.kotak.com . Correspondence Address: Infinity IT Park, Bldg. No 21, Opp. Film City Road, A K Vaidya Marg, Malad (East), Mumbai 400097. Telephone No: 42856825. SEBI Registration No: NSE INB/INF/INE[protected], BSE INB[protected]/INF[protected], MCXSX INE[protected]/INB[protected]/INF[protected], AMFI ARN 0164 and PMS INP[protected]. NSDL: IN-DP-NSDL-23-97. CDSL: IN-DP-CDSL[protected].Compliance Officer Details: Mr. Manoj Agarwal. Call:[protected], or Email: ks.[protected]@kotak.com . In case you require any clarification or have any concern, kindly write to us at below email ids: • Level 1: For Trading related queries, contact our customer service at ‘service.[protected]@kotak.com’ and for Demat account related queries contact us at ks.[protected]@kotak.com or call us on: Online Customers –[protected]by using your city STD code as a prefix) or Toll free numbers [protected] / [protected], Offline Customers – [protected] • Level 2: If you do not receive a satisfactory response at Level 1 within 3 working days, you may write to us at ks.[protected]@kotak.com or call us on[protected] and if you feel you are still unheard, write to our customer service HOD at ks.[protected]@kotak.com or call us on[protected]. • Level 3: If you still have not received a satisfactory response at Level 2 within 3 working days, you may contact our Compliance Officer (Name: Mr. Manoj Agarwal) at ks.[protected]@kotak.com or call on[protected]. • Level 4: If you have not received a satisfactory response at Level 3 within 7 working days, you may also approach CEO (Mr. Kamlesh Rao) at ceo.[protected]@kotak.com or call on[protected] -----Original Message----- From: Ramanagoud Biradar [mailto:ram.[protected]@gmail.com] Sent: Friday, September 18, 2015 6:53 PM To: ks escalation / Kotak / Securities Subject: Fraud done by RM Kotak Dear Team As i discussed with you, Without my permission Demant account has been opened and so many charges are reflecting in my account so better close the account and demant account an immediate effect else am going to raise Consumer complaint . i have seen this is worst experience in my life. I have spoken to so many people from Kotak there is no proper solution so request you to do the needful . Thanks Ramanagoud Biradar [protected] For any queries or clarifications call our Toll free number[protected] or Write to us at service.[protected]@kotak.com . I[censored]nresolved for more than 48 hours, please do not hesitate to escalate the matter to us at ks.[protected]@kotak.com DISCLAIMER: This communication is confidential and privileged and is directed to and for the use of the addressee only. The recipient if not the addressee should not use this message if erroneously received, and access and use of this e-mail in any manner by anyone other than the addressee is unauthorized. If you are not the intended recipient, please notify the sender by return email and immediately destroy all copies of this message and any attachments and delete it from your computer system permanently. The recipient acknowledges that Kotak Mahindra Bank Limited may be unable to exercise control or ensure or guarantee the integrity of the text of the email message and the text is not warranted as to completeness and accuracy. Before opening and accessing the attachment, if any, please check and scan for virus. Reply | Reply to all | Forward | Print | Delete | Show original Add star Ramanagoud Biradar Thu, Oct 1, 2015 at 5:45 PM To: ks.[protected]@kotak.com Reply | Reply to all | Forward | Print | Delete | Show original Dear Team, Is this way to response your customer like this??????? I have sent three mails still i haven't receive any solution which you guys have done mistake from your end. If its not resolve within tom i am going to put case on consumer case better resolve this case and close my Demant and normal account immediate. Thanks&Regards Ramanagoud Biradar Dear team Still I haven't receive any revert - Hide quoted text - On 19-Sep-2015 5:57 PM, "Ramanagoud Biradar" wrote: Hi Need immediate clarification and has to close this account and demant account an immideate effect.. On 19-Sep-2015 5:35 PM, wrote: Dear Mr. Biradar, This is in reference to your below mail. At the outset, please accept our sincere gratitude for sharing your concerns with us and giving us an opportunity to assist you. Further to your query, we would like to inform you that we have forwarded your concerns pertaining to your account to relevant team and shall revert to you on the same shortly. Looking forward to your kind co-operation in this regards. We value your business and hope to have an enduring association with you in the future as well Best Regards, Manoj Naiya Kotak Securities Customer Care If you have a query or need any clarification you may do any of the following to connect with us: (1) Call us at[protected]toll free) /[protected]prefix your city STD code) /[protected]toll free) (2) Write to us at service.[protected]@kotak.com (3) Post a Q-Form via our website - Login to trade - Customer Service - Solve your queries (4) Send us a fax on[protected] (5) Chat with our representative online - www.kotaksecurities.com Kotak Securities Limited. Registered Office: 27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051. CIN: U99999MH1994PLC134051, Telephone No.: +[protected], Fax No.: +[protected]. Website: www.kotak.com . Correspondence Address: Infinity IT Park, Bldg. No 21, Opp. Film City Road, A K Vaidya Marg, Malad (East), Mumbai 400097. Telephone No: 42856825. SEBI Registration No: NSE INB/INF/INE[protected], BSE INB[protected]/INF[protected], MCXSX INE[protected]/INB[protected]/INF[protected], AMFI ARN 0164 and PMS INP[protected]. NSDL: IN-DP-NSDL-23-97. CDSL: IN-DP-CDSL[protected].Compliance Officer Details: Mr. Manoj Agarwal. Call:[protected], or Email: ks.[protected]@kotak.com . In case you require any clarification or have any concern, kindly write to us at below email ids: • Level 1: For Trading related queries, contact our customer service at ‘service.[protected]@kotak.com’ and for Demat account related queries contact us at ks.[protected]@kotak.com or call us on: Online Customers –[protected]by using your city STD code as a prefix) or Toll free numbers [protected] / [protected], Offline Customers – [protected] • Level 2: If you do not receive a satisfactory response at Level 1 within 3 working days, you may write to us at ks.[protected]@kotak.com or call us on[protected] and if you feel you are still unheard, write to our customer service HOD at ks.[protected]@kotak.com or call us on[protected]. • Level 3: If you still have not received a satisfactory response at Level 2 within 3 working days, you may contact our Compliance Officer (Name: Mr. Manoj Agarwal) at ks.[protected]@kotak.com or call on[protected]. • Level 4: If you have not received a satisfactory response at Level 3 within 7 working days, you may also approach CEO (Mr. Kamlesh Rao) at ceo.[protected]@kotak.com or call on[protected] -----Original Message----- From: Ramanagoud Biradar [mailto:ram.[protected]@gmail.com] Sent: Friday, September 18, 2015 6:53 PM To: ks escalation / Kotak / Securities Subject: Fraud done by RM Kotak Dear Team As i discussed with you, Without my permission Demant account has been opened and so many charges are reflecting in my account so better close the account and demant account an immediate effect else am going to raise Consumer complaint . i have seen this is worst experience in my life. I have spoken to so many people from Kotak there is no proper solution so request you to do the needful . Thanks Ramanagoud Biradar [protected] [image] For any queries or clarifications call our Toll free number[protected] or Write to us at service.[protected]@kotak.com . I[censored]nresolved for more than 48 hours, please do not hesitate to escalate the matter to us at ks.[protected]@kotak.com

Dear Sir/Madam, I Ishwar Pal worked with Ing Vysya Financial Services Limited (Subsidry of Ing Vysya Bank Ltd now merged with kotak mahindra bank) in chandigarh branch home loans department as a sales executive.My emp. Code was 31421. I resign from this job on 15thJan 2015 and served 15days notice as per company policy my last working day was 31jan . 2015 . From last 6 months i send many mails to my company and senior staff .now I received My Relieving letter after Submit Complaint Here (consumercomplaints.in) .But still i have not receive my full and final. When i cantact to concern person Mr. Visweswara Rao Bhonagiri from Bangalore. He said full n final already paid to you from his side which was input in system only by your reporting manager and if you want any clarificationon on incentive part you have to contact your reporting manager. After that i mark many mails to my reporting manager Mr. Sushil Jindal but he not replied and when i called him for same he said according to your appointment letter Company Has not payable any incentive of disbursed business during notice period day and you have not get any benefit tof send mail to us.ans you can go anywhere for complaint against us. I am claiming for my incentive only which was disbursed by me between Oct. 2014 to Dec.2014. My pending is Incentive (aprx.15000 to17000)i sending details of file which was disbursed by me -: 1.Name of the Case-Jagdeep Singh(J S Plastics) Baddi. Loan Amount -12 Lacks loan account no-HL[protected] on dated 16.10.2014 2.Name of the Case-Bhajan Singh Chandigarh. Loan Amount -108 Lakhs (103 lakhs +5lakhs) on dated 22.10.2014.Only Insurance incentive pending of this case(5 lakhs Insurance from icici Lombard). 3.Name of the Case-Munish Gulati Chandigarh. Loan Amount -35 Lacks loan account no-HE[protected] on dated 30.11.2014. 4.Name of the Case-Jaspal Singh(Pall Metals) Chandigarh. Loan Amount -10 Lacks loan account no-HE[protected] on dated 31.12.2014. Plaese Do the needfull in this metter i will thankful to You. Thanks & Regards Ishwar Pal Emp. Code 31421 Mobile no. [protected]

My account was a salary account. But the salary stopped getting deposited in the month of April. Still the transactions in the account were on going. Today also I had a transaction, but from today's transaction an amount has been blocked from my account stating that now it is a normal account with a minimum balance of 10k. The bank should have given us a prior information regarding this thing. And not the amount that has been deducted, they say it's the service charge. From last five months no deductions. All of a sudden these changes are coming without even giving the customers any prior information.

Recently i changed my account from salary to Saving account with AMB 10K. They didn't degraded my ATM card type and they didnt inform me about charges for continuing the Card. For my Saving account type there is no ATM charges. I thought of same but recently they deducted Rs.855 from my account without any intimation hidden charges to the user. I am very much frustrated with this service from Kotak Bank and officials also not properly responding. I need justice in this concern.