Kotak Mahindra Bank Complaints & Reviews

Dear Sir,

As I had not satisfied from the policy, I have surrendered policy 01641051 on 11/08/09 and was told by your concerned staff that I shall received refund within 7 to 10days and moreover I have visited many times at your Mall Road, Ludhiana branch but no response

You are requested to please let me know the reasons for the delay and refund my amount alongwith interest upto date immediately on or before 20/10/2009 under adivce to me

thanks and awaiting your immediate response

kiran goyal

Sir,

I was working for Aviva Life Insurance Co. and was having a EPF Account No. DL/25803/2452.

I left this company in 2006 and joined Kotak Mahindra Bank Limited. My New EPF NO. is MH/35415/9750.

I had requested my prev. Co. for Transfer of EPF funds into this account.

The company has reverted that the Transfer formalities are lying pending at :
The Regional Provident Fund Commisioner Office
Bhavishya Nidhi bhawan
5-7 Floor...60
Skylark Building
Nehru Place
New-Delhi.


I request the regional provident Fund Commisioner to transfer the amount.

Without my notice a Sum of Rs.825 has been debited in my account, since there was total transaction of Rs.23200.00 has been done for the period 1-jul-09 to 30-Sep-09, But surprisingly it was debited. Today i have emailed them to reverse. Cheating of People like these charges, the private banks are the No - 1 in India.... Making the citizen life miserable..

To whom it may cocern:
My name is Ravi Singh, working with Pharma MNC Company. I have salary account with kotak Mahindra bank as well as I am holding life insurance policy and demat account of the same bank.

I was getting repeated irritating call form bank applying for credit card, finally I have applied for credit card with all required documents applicable including my salary slips.
Before applying for the card I have double checked with the Kotak executive whether bank will offer credit card to me with my current salary package or not.

Kotak executive has assured me that within 21 day I will be getting my credit card at my preferred corresponding address with any hassles.

Now its more than 21 days and I have check the status on kotakcard.com and found that my card is still under process, further I have contacted consumer care executive of kotak and learnt that my credit card application #[protected] has been disregarding by bank.
I tried to found out the reason for this; no response has been given to me saying that it is a bank internal policy not to disclose reason to applicants.

My only concern is that if bank is not confident providing credit card to applicant after reviewing all documents, should not give repeated irritating call to customers. As the hampering work of other peoples

I request you to kindly look into this matter and take corrective action against KOTAK MAHINDRA BANK.

Sincerely,
Ravi

I haven't seen such a shameless organization like Kotak Mahindra. Is there any law by which we can drag these company to court? These people do cold calling on land line number (if it's a mobile number, one can understand), where the concerned person might not be available and his family members are unnecessarily disturbed. In spite of telling them that we are not interested in any offers or investment schemes and we do not want further calls from you people, they still call on the land line number. On their site there's a email id - service.[protected]@kotak.com, provided in case you receive the phone calls even after filling the "Do not Call Form". After filling the Do not call form these guys have not stopped calling on land line number. I had filled the form on 22nd September 2009, after being irritated by their calls on land line and also sent them a mail regarding "Behavior of Telemarketing from Kotak Mahindra" - But still 2 days later on 24th September i again received a call on Land Line number. If any one of you know the proper legal procedure, please let me know so that we can stop the harassment from Kotak Mahindra Telemarketing to save other people and family members.

Dear Sir
I am vikas Agarwal from Hyderabad holding pro current account no [protected] with customer relation number 25960976, when ever I am vesting the nampally branch to withdraw the cash I am not receiving proper service from the branch manager he is saying that he is having problem with our account, the service manages is talking very rashly with us when ever we need some help, I[censored] people not able to give a service to the customer why U open the Bank
I have facing the problem continuously, and lot of inconvenience
Please look in to the matter
Vikas Agarwal
[protected]
SV Logistics

I have closed down my personal loan in July 2009 and the collection department promised that I will receive my PDC's and the NOC of loan closure within 15 working days before I handed over the DD to the bank. But till now I have not received the same. I have also complained to the customer care many times but they are telling to contact the collection department. I have tried calling lots of time to the person who was following my loan closure procedure but no one seems to be responding. This is the way the bank is responding me. Please help in getting my PDC's and NOC letter for my personal loan.I need the doccuments on an urgent basis since i have to produce to other bank where i have applied for home loan.

There were some FRAUDULENT ONLINE TRANSACTIONS on my Kotak Mahindra Bank credit card on November 10, 2008. 6 fraudulent online transactions were conducted on my Kotak Bank credit card number 4166-****-****-5717. The details of the fraudulent transactions are given below:
10/11/2008 VT083160049000150000101 VISABILLPAY-REL ENERGY MUM IN INR 2000.00 (Dr)
10/11/2008 VT083160049000150000100 VISABILLPAY-REL ENERGY MUM IN INR 7200.00 (Dr)
10/11/2008 VT083160049000150000105 Ezeego One Travels and MUM IN INR 18525.00 (Dr)
10/11/2008 VT083160049000150000104 Ezeego One Travels and MUM IN INR 4781.00 (Dr)
10/11/2008 VT083160049000150000103 Ezeego One Travels and MUM IN INR 5150.00 (Dr)
10/11/2008 VT083160049000150000102 Ezeego One Travels and MUM IN INR 9212.00 (Dr)

I got a call from Kotak's center executive for confirmation on a transaction on the same day, ie., November 10, 2008 to confirm the first of the 6 transactions (VT083160049000150000101 for Rs.2,000). On the same day, I had sent an email (dated November 10, 2008) to a member of the Credit Cards Team (sameer.[protected]@kotak.com) stating that the transactions were not conducted by me and requesting them to block my card.
On checking the account the next day (on November 10, 2008), I noticed negative balance (for both credit limit as well as cash limit) in the online statements. I state that this could not have happened unless Kotak Bank's system allowed the fraudster to conduct transaction well over my credit limit. I also state that the fraudulent transactions did not appear on your system on November 10, 2008).
Subsequently on November 11, 2008, I noticed two entries in my online statement pertaining to the over limit charges as listed below:
11/11/2008 19999999981111999960950 OVERLIMIT FEE INR 500.00 (Dr)
11/11/2008 19999999981111999960950 SERVICE TAX INR 61.80 (Dr)

Later, Mr. Sameer Adarkar, the member of the credit card team to whom the email dated November 10, 2008 was addressed, had assured me that as these were online transactions and were reported on the same day, the Bank will successfully raise the charge back. NOBODY advised me to file any complaint with RBI or with police on the said matter.
On the same day i.e., November 11, 2008, your Bank has reversed 2 of the 6 fraudulent transactions as listed below:
11/11/2008 VT083180046000090000294 VISABILLPAY-REL ENERGY MUM IN INR 7200.00 (Cr)
11/11/2008 VT083180046000090000293 VISABILLPAY-REL ENERGY MUM IN INR 2000.00 (Cr)

Post a continuous follow up on emails and phone, I was instructed by VP-Marketing, Mr. Manish Agarwal, through his email dated December 1, 2008, to re-raise the complaint through the call center. Until then, I state that I was not told by any official of your bank that there would be any need to report the complaint to the call centre. I also fail to understand the need to re-raise the complaint again after 20 days of it first being reported to the Bank.

Nevertheless, as advised by Mr. Manish Agarwal, I re-raised the complaint at the Kotak Mahindra Bank Call Center and was given the SR No.[protected] on December 1, 2008. Subsequently a letter was also submitted by me to the Bank.

On calling the call center several times post re-raising the complaint I was given the response that investigation is on and it will take 45 days for the matter to resolve. Incidentally, according to the Bank, the 45 days time limit was to start from December 22, 2008. Again I fail to understand this as the complaint, according to my mail to Mr. Sameer Adarkar, was lodged on November 10, 2008 and subsequently re-raised on December 1, 2008 as advised by Mr. Manish Agarwal.
I state that the Bank's Recovery Agents have been continuously harassing me and mentally traumatizing me for the recovery of the disputed amount.
Further I state that the Bank has WRONGFULLY frozen my savings bank account ([protected]), and recovered a sum of over Rs. 14,000. This is in complete disregard to the terms and conditions of opening the savings bank account as well as the terms and conditions of the credit card. I confirm that I have not given any kind of express or implied instruction for recovery of my credit card dues from the savings account either to the credit cards team or to the banking team during the opening of the savings account or during applying for the credit card or at any other time.
I state that I have now stopped using your bank’s credit card pending successful resolution of the dispute.
Further I state that as the first two fraudulent transactions was done to pay Reliance Energy bills; the identity of the fraudster is easy for the Bank to track. I fail to understand why the fraudster was not apprehended by the Bank for conducting a fraudulent transaction on a card issued by the Bank. Instead the Bank has kept harassing me for the transactions not performed by me. It can also be inferred from the pattern that the same person would have used the card to book the tickets on Ezeego. As I understand any tickets booked on a Card Not Present environment through online means needs the card to be produced at the booking counter. I understand that this basic rule was flouted by the Bank’s merchant which allowed a person with a name different from the name printed on the credit card to travel.

Requesting the immediate closure of the matter.

I had ordered a adorn card in the month of November 08, Before I recieve the card I got the statement on 22nd Dec08. Immidiately I spoke to the Customer Care Executive from my mobile and complained that how can you charge me before providing me the product I have orderd. Finally He convinced me to pay the adorn card charges and wait for the adorn card. I paid the charges and stil now even after complainig 6 to 7 times to the customer care the problem is not resolved and there are call from the collections with abusive langauges and keeps on threating me for CIBIL.

AND NOW THEY HAVE RAISED THE AMOUNT TO RS:2825.84. AND DIRECTLY DEDUCTED IT FROM MY KOTAK MAHINDRA BANK ACCOUNT NO:-[protected] WITHOUT ANY PRIOR VERBAL OR WRITTEN INFORMATION. 2 TIMES THE CUSTOMER EXECUTIVE HAS DISCONNECTED MY PHONE. I HAVE PERSONALLY VISITED MITHAKALI BRANCH, THEY SENT ME TO KOTAK MAHINDRA SALES AGENCY WHERE MR. RAHUL SPOKE TO ME AND TOLD ME TO RESOLVE MY PROBLEM IN AROUND FEB-MARCH 09.

THE CUSTOMER CARE EXECUTIVE HAS CONFIRED THAT THE COURIER SENT TO ME HAS RETURNED BACK TO THE BANK, THEY HAVE ACCLERATED MY PROBLEM TO THE COLLECTION DEPARTMENT AND THE CHARGES WILL BE WAIVED OFF. EACH AND EVERYTHING WILL BEAVAILABLE IN THE RECORDINGS OF THEIR SYSTEM.

Kindly Save me form KOTAK Cards.

Dear Sir,

I am writing this with great hope that you will seriously take action for resolution of the below mentioned issue and and will bring back my trust on Kotak mahindra.



On 23rd of August 2008, an employee of Kotak Mahindra Bank Mr. Basavraj Ghodake working with East Street pune branch approached me and sold a Unit Linked Life insurance policy bearing policy no. 01184941 under plan Kotak smart advantage in which I was supposed to pay monthly premium of Rs 3000/-. It was clearly explained by the employee that investment horizon is for 3 years on which it was clearly made understood and committed by the employee that I will be able to withdraw the 96% of the investment amount+returns after completion of 3 policy years where minimum 10% per annum returns would be guarranted even in worst scenario.



After receiving the policy document I found some diffuculty to understand the withdrawal options and a false signature of mine was made on the Illustration of the policy document. I approached the Bank representative Bhasavraj Ghodke who sold me the policy and he explained me the same thing once again and assured me that everything is going as per the commitment.



After few months when I made a call to Customer care for knowing the fund value, customer care told me that my first year premium had gone into the debt fund, hence no fund value exist and in case of withdrawal after 3 years my first year premium amount i.e 36000/- will be forfeited and I would be paid only 94% of the fund value of my 2 years premium. After knowing this I approached the Kotak Mahindra East street branch on 18th April 2009 where I met Ms. Angita, an employee of Kotak Mahindra Life insurance who assured me that there is nothing to worry about and advised me to submit the policy document along with a letter to decrease the premium paying term to 3 years before completion of policy anniversary.



I submitted the application with original policy document with Ms. Angita on 25th of August but again when on 15th sep 2009 when I approached her she had given the fact that she was helpless then because company had amended their policy and hence they can’t change my premium term, If she would have told me at that time only I would have stopped paying the premium.



In this way Employees of Insurance & banking giant like Kotak Mahindra had trapped me in rigmarole and foolished me in every possible manner.



Hence, you are requested to take action against them for Breach of trust, misrepresentation and fraud for making my fake signature and compensate me with amount invested with minimum returns of 20% and expenses incurred on recovery else I would be forced to knock the door of consumer forum and highlight the matter to media which may tarnish the image of bank.



Regards
Saurave Kumar Lath

I had taken one credit card from Kotak Mahindra bank. One time there was outstanding amount of
INR 13000/- approximately for balance transfer. I had paid that amount. Before paid once I had submitted INR 500/- cheque for minimum payment in a month. Any how that time the cheque was bounced and they send me the bill with something 375/- RS fine. I paid all outstanding amount with the fine amount and requested to customer care for reverse the amount. Then I had told them please cancel my card and I am disposing the card. After that I have disposed the card and dropped it at Kotak ATM.

Presently I am out of station.From bank they are calling my wife and family member and threatening with slang language.
My family member are feeling very unsecured and even myself also.
We are afraid about this matter due to threatening from unsocial criminal whose are involved from this bank.

Please advise/look into this matter.

Regards,
Anupam Mandal.

Hello Friends,

I had a Kotak Credit Card last year and due to its negligent credit card customer care service I choose to close it with a full and final payment through "Sree Consultancies" their authorized collection agents. I did make the payment in the month of Feb 2009 and untill now my card has not been closed and after all this I still end up getting calls for repayment, monthly statements and alerts. I have taken up with the Kotak Credit Cards department tons of time and everything just ends up becoming a big drama.

I would like if anyone could help me resolve this issue. I am at the heights of my emotional tension regarding this whole issue.

IN SPT/OCT.2006, I RECD. REPEATED PHONE CALLS FROM SOME MR. SHARMA OF KOTAK LIFE FROM DELHI, ASKING FOR LIFE INSURANCE.
AS I WAS A RETIRED PERSON, I DECLINED FOR ANY LIFE INSURANCE AND TOLD THAT I WOULD BE INTERESTED IN ONE TIME INVESTMENT O[censored]PTO ONE LAC OF RUPEES WHICH SHOULD GIVE ME REGULAR RETURNS.
THEN NEXT DAY HE PHONED ME THAT HE HAS COME OUT WITH A PROPER SCHEME FOR ME WHERE I HAVE TO INVEST Rs. 1, 00, 000/- ONE TIME ONLY AND HAVE TO STAY INVESTED FOR THREE YEARS AND I WOULD GET MINIMUM OF15% TAX-FREE RETURN, BUT THE ACCUMULATED WOULD BE RECD. ONLY AFTER THREE YEARS. FURTHER THERE WILL BE ADDED ADVANTAGE OF INSURANCE ALSO.
I AGRRED TO THIS SCHEME AND HE SENT HIS REPRESENTATIVE AND GOT MY DETAILS AND SIGNATURE ON THE FORM AND COLLECTED AN A/C PAYEE CHEQUE OF Rs.1, 00, 000/- IN FAVOUR OF KOTAK LIFE INSURANCE.
AFTER ABOUT 2 MONTHS I RECD. POLICY DOCUMENTS WITH A RECEIPT OF Rs34, 940/- WITHOUT ANY MENTION OF MY BALANCE Rs.65, 060/-. THEN I SENT EMAIL TO THEIR CUSTOMERCARE ASKING ABOUT THE DISCREPENCY. THE REPLY WAS THE BALANCE AMOUNT WAS CREDITED AS "TOP-UP" FUND.
I FURTHER ENQURED WHAT IS THE TOP-UP FUND AND WHAT RETURN YOU WOULD GIVE ON IT?
THE REPLY WAS ON THAT ALSO THE SAME RETURN WOULD BE GIVEN AS PROMISED.
SO I GOT SATISFIED AND LEFT THE MATTER THERE.
NOW AFTER TWO YEARS, THEY ARE REPEATEDLY PHONING ME FROM DELHI, NOIDA, MUMBAI ETC. THAT THERE IS DEFFICIENCY OF SOME 2500/- OF RUPEES AND AS I HAVE NOT PAID IT, THE POLICY HAS LAPSED!
I HAVE SENT OVER 10 EMAILS IN LAST 8 MONTHS ASKING THE EXPLANATION BUT ALL HAVE FALLEN ON DEAF EARS. NOBODY HAVE CARED TO REPLY A SINGLE EMAIL PROPERLY.
MY SIMPLE QUESTIONS ARE AS BELOW.
1. I HAD MADE IT VERY CLEAR THAT I WAS INTERESTED IN A ONE TIME INVESTMENT OF RUPEES ONE LAC ONLY AND I HAD ALREADY DONE WAY BACK IN 2006.
2. WHY THEY HAVE NOT CALCULATED ANY RETURN ON THE BALANCE AMOUNT CREDITED WITH THEM AS PROMISED BY THEM?
3 IN ONE OF THE EMAIL, I CALCULATED THE RETURN ON MY BALANCE CREDIT AMOUNT WITH THEM AND SHOWN THAT THERE SHOULD BE STILL CREDIT BALANCE WITH THEM EVEN AFTER ADJUSTING THE THIRD PREMIUM. HENCE THE QUESTION OF LAPSING THE POLICY SHOULD NOT ARISE.

UNFORTUNATELY EXCEPT FOR THE SELF-GENERATED ACNOWLEDGEMENT FROM THEIR CUSTOMERCARE THAT THE REPLY WOULD BE MADE WITHIN 24 HOURS, NO REPLY HAS BEEN RECEIVED FOR MY 10 REMINDERS !!

I MAY ADD HERE THAT I HAVE BEEN RECEIVING REMINDERS ON PHONES FROM LOWER RANK PEOPLE WHO SEEM TO BE AFRAID OF GIVING THE PHONE NUMBER OR EMAIL ADDRESSES OF THE HEADS OF THE BRANCES. ONCE SOME SR. PERSON TALKED TO ME ABOUT PAYMENT BUT WHEN I EXPLAINED MY CASE HE PUT DOWN THE PHONE AND NEVER AGAIN TALKED TO ME.
ONE OF THE JUNIOR MEMBER WHILE REMINDING ME AGAIN FOR PAYMENT, HE TOLD THAT SOME SORT OF CHEATING HAS BEEN DONE WITH YOU WHILE BOOKING THE POLICY AND THE SR. PERSON HAVING REALISED THAT, DOES NOT TALK TO ME DIRECTLY.

I have taken a loan from Kotak and they are still charging me interest @12.5% in the current market scenario when other banks have infact reduced their Interest rates. The customer care guys and the home loan dept. personnel are highly unprofessional, rude and waiting ot cheat the customer.

Infact for those who do not know, in case one does want to foreclose the loan, they charge 2% on the total amount outstanding + prepayments made within one year from the year of foreclosure. These guys even ended up deposting two EMI cheques prior to the due date at the same time even though one EMI was not due and resulting in one cheque bouncing, when asked they replied that because of the cheque dates being current they deposited the cheques.

The customer care guys were verbally informed about the EMI cheques being for respective months, even then these guys depsoited my cheques. The best thing was yet to come, the next day i got a call tellin me that my EMI Cheques have not been received for the current month (Already Cleared). Inspite of constant follow up and mails they do not even bother to respond or call back... They are the worst bank to deal with... in fact a government bank is far far far better, please do not go to kotak bank for loans...

Their slogan "Let's make money simple" shown on TV is wrong, they should change it to "Let's make simple money"

Hi,

I have a saving account in Kotak Mahindra bank (A/cs no. `[protected]). In last three quarters the bank has deducted more than 2500 Rs from my account as Non-Maintenance Charge. I was not checking the my account statement regularly. When I complaint abt. that the bank person informed me that "your account (A/c no. `[protected]) was opened under a Promotional offer. We have changed the status of your account. Now you have to maintain average Rs 20000 i your account.

All this is done without informing me. I never received any letter or call from the bank that your account status has been changed or from now you have to maintain a balance of Rs 20000. When I have complaint abt. illegal deduction of money from my account, after two days I got a call from there call center that you are not the minimum balance in your account.

Kotak Mahindra is adopting wrong practice by doing unlawful activity. Through this forum I want my money back from the bank.

Regards,
Ravi Sinha
[protected]@gmail.com

I took Home Loan from Kotak Bank, 2 years ago and they have since charged me hefty Interest Rates.
Initially ther offered me 0.25% lower that the Axis Bank and other Indian Banks and immediatey started to raise the same when I took the Loan.

ow when I am fed up of their poor service, I cannot leave them as they charge me a hefty 2.25% Interest Rate. In short Never ever Take Loan from Kotak Home Finance or Kotak Bank.

Now never in my life ahead, I will deal with Kotak Bank.

SUB:Complaint against Mr.Samuel J Biju of Chennai Branch against Misbehaviour with Customer.

This is to bring to your kind notice that I had send the following mail to Mr.Samuel on the
clarification of my Personnel Loan & instead of clarifying on my query he's started shouting
on me for overdue of the installment & threatened me with serious allegation & wants me to come
to chennai from Bangalore where I presently posted for the clarification.I want to know the different
escalation levels to take it up to the Highest Level.

Such behaviour of a senior person is totally un called for & wants some one to do a thorough investigation
instead of trying to covering up the mistake.

With Warm Regards
Raghunath.V
Vice President
STG Int Ltd
No 2934/35 E Club Road
Vijayanagar
Bangalore-560040
Ph:[protected]




Dear Mr.Samuel
I would like to bring to your kind notice the following few facts after
going through my previous papers.

1.I had taken the loan Ref CSG 478793 on 2411/04 for an amount of Rs 2, 50, 000/- with the monthly installment of Rs 8455/-.for 36 months.

2.After 22 months I had offered a top up loan & I was told that there will not be any processing fees or pre payment interest & was offered the loan.

3.After 22 months of repayment my principal outstanding was Rs 1, 09, 190/- & I was again offered loan of Rs 3, 02, 581/- Deducting an amount of Rs 1, 09, 190/- of the First loan I should have recieved an amount of Rs 1, 93, 391/-

4.On 26/10/06 I have been credited with Rs 1, 60, 000/- & during these process I have been relocated to Bangalore & Now I am realising that I have been cheated by Rs 33, 391/- which you can please clarify on these.


Regards
Raghunath.V

Dear Sir,

I took one policy no. 01113519 on 27/06/2008. When agent came to sell the policy he promised me as under :-
1) I have to pay the premium for 3 years.
2) I will get rs. 1 lac & 20 thousand after 3 yrs.
3) I will a death cover of 10, 00, 000

but now when the renewal of policy has come I came to know that after paying for three yrs i.e Rs. 60, 000/- I will get only Rs. 40.000/- which seems to be strange.

I also did not read anything filled in the form as it was written in English, when I visited kotak office I came to know that there is a person mentioned who supposedly made me understand the contents of the form whom I HAVE NEVER MET AND DON"T KNOW HIM they cheated me.

I am a poor female aged 48 yrs and have studied upto 8th standard and lives in small sectorin faridabad. My daughter has to be married shortly for which I am collecting and in this hope I invested in kotak life Insurance plan after breaking my fixed deposit in bank which i collected after cutting my stomach from last 10 yrs.

I don't have any source of income but than even i manage that 20, 000 but now I got fake from their side.

After one year of pains which i suffered, I would like to request you to kindly make my money refund my hard saved & earned money which i can use for my daughter's marriage.

I visited their kotak office for 20 times for any solution but no one show me right way & now they don't even reply my phone calls.
I losing my hope from their I come to u in this hope, that you will help me in refunding my money from them.

I am enclosing my complaints in hope please sort out my problem as soon as possible
I will be very thankful to u . I will give you my blessings my child please elp me.

Respected Sir/Madam,

I Aditya Rana would like to file a complaint agains Balram residing in New Delhi. My father is retired from army .We have to buy a Swift car from canteen . So we meet a ajent who deal in types works . we gave hime files and paper for car loan approval. He said that you just give booking amount to book car. so we gave hime 30000 Rs and on next day he said your car is booked just waitnig for loan approval. but now when we call him his phone switched off. one day his phone is on .I said return my money he said he is in gujraat and when he back he will give us money. He has given another no also. But now his no is out of service and second no is with his friend. His friend said we have taken money and we are not return ur money. what ever you want to do do it. this is happening from last 3 months His working No is [protected]( Gujrat state ).His name Vikas.

Please suggest me what we can do and how police can help us.
thanking You
Aditya
Mb [protected]

Well my name is Sandeep Yadav and i am holding Kotak Credit card for last 1 year.
My customer relationship no. is 17409039. In starting when i got my credit card, they told me that you can convert any purchase of above 5000 rs in three months EMI. so keeping that in mind i bought some electronic goods worth 30 thousand and call customer care for converting it into three month EMI.
But i when i recieved my statement there was no conversion reflecting about EMI. so after that i called customer care and they told there was no such request from my side. so i got angry and told them i am not able to pay whole amount of 30000 and i will be able to pay 10000 for that purpose i had converted it in EMI but they denied and forced me to pay whole amount. Finding no solution from there side i didnt make payment to them and conveyed that first solve my problem. This keep going on for couple of month but nothing happens and my outstanding balance goes upto 53000 approx. So in month of july of out frustration i have deposited 71000 in my saving account and they blocked 53000 without my information and any prior notice. Now now after 3 days this hold balance goes to 110000 and dont know whom to approach as branch saying call customer care and when i am trying to call customer care none of them is responding and saying u have to deposit 110000 to credit card...i am mentally tortured and no solution is provide to me from there side. please suggest.