Kotak Mahindra Bank Complaints & Reviews

Kotak mahindra experience - email id - [protected]@gmail.com
Card number:
[protected]

Hi, this is my journey with kotak mahindra.

I am using this account for a long time, i initially had a salary account with saving account and later i got an option to take credit card from kotak with a limit of 16k. I purchased a mobile phone and cleared all the dues everything went fine till this stage. I used the card and paid the minimum amount, i never checked statements nothing i simply opened the app and paid the amount. What else can a person do when he didn't know anything about credit card and how it works, because none explained things all i was asked to do was sign.. I paid and made regular payments used card and this happened for at least 2 to 3 years.. I trusted kotak so i never went back checking for the statements, i made payments on time without any miss.. The moment i got my salary, first thing i did was credit payment.. You will get to know this when you would see my transactions. After years i see that my die amount is same and not reducing, i convinced myself saying that it is because of my usage may be... I just kept paying and using the card.

Even after making the payments on time, i got calls from kotak for payments... Everytime i used to inform them that i'll make the payment when i'll get my salary.in a day i use to get like 5-6 calls for the payments like after mid month everyday i got calls for payment and all the time i attended calls and told them same thing all over again... It is frustrating for a person to attend calls multiple times and tell them same thing all over again... I use to get call at 7 am, they don't see time they just called for payment, this was very upsetting for me.. I use to be in important sessions and meetings and kotak guys call me... Even after paying on time i had to face such inconvenience from kotak... I wanted to complain about this, i asked for a supervisors on call they disconnected the call with sarcastic and threatening statements. This happened for few months.. It was soo much frustrating for me... I was loosing my patience. This continued….

For some reason i checked the statement once on the app before making the payment i saw an amount charged with said excess usage... I got to know about this charge like 7-8 months back (When i last made my payment). Till this time i didn't even know that i can use the card beyond the limit i always thought that i can only use the card only till my limit... I saw this charge and alot of charges where applied for me from a long time.. I got calls from kotak, i asked for a statement from start to till date so that i get clarity.. Everyone promised but none send statement…

One fine day i got a call from a kotak employee who said that he is from kotak mg road branch.. I thought, this person was the right one to talk to... So i explained everything... This person promise to send the statement to me, as usual nothing happened... Every month from there on i got calls from kotak mg road everyone just said we will send statement no one did... I do have call recordings too… after few months one manager again from mg road branch called, i was frustrated with these guys i just told on call "i do not like your # service, its pathetic because no one is there to help, you promise but do nothing". Just for that one word "#", ge started abusing me and spoke # about my parents too, i just kept quite and tried making him understand, because the person on the call sounded like an old man.. I apologized and explained things again from the scratch (This was like the 4th or 5th time i am explaining). At the end he said i will send u statement took my email id and contact number and promised that he will follow up with my case and will get to a settlement of 10-15 k, i agreed and told once i get complete clarity i will make the payment... I told don't have problem in paying it's just that i wanted clarity..

As usual this person didn't turn up nor an email was sent to me…

I got a call again from another employee next month i told i have explained and there's someone who is working on it.. They said ok we will check.. No one turned up

This happened for few months…

2 months back i got a call from a manager and when i asked for the statement he started abusing me like so much #, he was threatening me on call that he will come and take me along with me.. I was really unethical and unprofessional. All this while kotak promised me to share the statement now these guys say, " don't talk about the past now, i don't want to know what happened to you who promised what, i just need payment" i get calls and they are threatening me alot… i feel insecure for the calls and the way they talk... They say we will track u down follow u and talk so much # about my parents…

No one heard and understand from my end all they know is mentally harassing people and threatening them. Its so much upsetting for me.. I had so many other things to do instead of attending kotak calls.. I lost my job too just because i was disturbed by the calls. And now because of kotak i was rejected by a company as the cibil score is screwed…

No one till date tried resolving my issue... Today i am jobless because of kotak.. My family so many other issues and financially hampered... Kotak must understand that i was one of the source of income at my home, today i am jobless with no money.. I skip my meals and eat once a day because i am jobless… nothing worse can happen to a person than this. These guys left me with nothing but depression... I would blame kotak for things happening with my life.

I have credit card bill outstanding,. I booked flexipay to pay by emi, actually the due date is[protected]. But the banking persons continually giving calls from 06-08-19. We know the due date and know how to pay. If the customer didnt paid the amount on 12-08-19. Then you can give calls to them. Its highly irritating me and i need to cancel my credit card right now. Thanks to update asap.

I am receiving phone calls from the recovery department continuously, they are harassing me by calling in my office every minute, i am not the customer of this bank nor i have taken any loan from this bank, still they are harassing me. They are using abusing language on the phone, disturbing my peace, lying about me and spoiling my reputation. I can sue the bank for defamation and mental harassment. Please ask the collections department to be professional. They are using this filthy way to recover the money, this is disgusting, annoying and i will never ever in my life will be the customer of kotak bank after this incident.

Hi, i paid for kotak credit card 2 times and the excess amount was showing in my credit card, when i got to know about the excess amount, i thought to use that excess amount but when i used the card it shows blocked. Then i call to customer care and they said that my card is blocked by local branch without my consent.in such case i ask for the refund. Then they said to upload the documents like transaction from banks and other to process the refund i uploaded all required documents mentioned by them. But after 2 days they saying we need another dicument cancel cheque, i uploaded the same and its going almost one month since one month i am doing the same activity. Very pathetic customer service fraud bank and there irritating emails as from noreply. If a customer delay the payment they make 100 calls in a day but if a customer is chasing for his rrlefund there is always a email please contact from you registered email ud or contact number. What to say them there agents are giving cards in big bazar without email and contact number registered and they are asking about registered email or contact.

I have fund transferred Rs. 7, 000/- date 31/07/2019 from my Kotak Account [protected] to PNB Account [protected]. I have complained many times to Kotak Bank and Customer Care Team have confirmed that amount have been credited to PNB Account. Reference ID is[protected]. Eight days have passed but the amount did not received in the PNB Account.

Kindly request you to look into this matter and do the needful. Screenshot is attach for your kind information.

Thanks,

My details are below:

Ranjit Kumar Pahari
M. [protected]
Kotak Account -- [protected]
Fund Transfer ID[protected]

PNB Account -- [protected]
Holder Name -- Kamala Pahari

I have not received any credit card from your bank i am receiving mails for due payment of rs.316.2 for a couple of days. I am not using your credit card so why i should pay this amount. So i request you please cancel my credit card with immediate effect. I have also filed a complaint in kotak mahindra bank (Preet vihar branch) regarding this issue. Please do the needful and sort out this issue as soon as possible

I am not using your credit card. I have received your message for due payment of rs. 96.77. I have not done a single transaction from the beginning. Why i have to pay unnecessary payment to kotak card.

I request you that please cancel my credit card with immediate effect.

Please tell me what are the formalities should done by me for cancellation of credit card. So, i can do immediately and close the issue.

I am getting calls from kotak mahindra bank recovery agency from [protected] this number.
They are asking to pay loan amount which was in citi finance, now its kotak bank. But he said your father taken this loan please forward the message to call them. Every time they calling non stop on my companies number. I had received the call and tell them please give us loan no. They did not provide any information. They saying anything on call. She called my husband's office also please check this and help me out what should i do.

My father already paid the loan, why to repay again for this. How can i trust her or kotak agency?

Dear sir/madam.
Your bank was charg me ₹.118 which i not required service.
But i haven't asked for any such statements from bank either by visiting branch or through net banking.
And when i opened account bank said their is no charges of online or esttment.

So i need clarification from bank or reverse my ₹118 to my account. As it can be clearly seen in the screenshot attached with this mail that i have charge. Kindly explan to me the reason for the leving of this charges and refund me the charges hence wrongfully debited to my account.

[account no [protected]]

Thanking you sir/madam

Dear sir/madam

I had credit card from kotak bank[protected]) where the payment of rs.29615.28 was in outstanding which was unpaid for nearly two years due to jobless and went for study. And in the month of june 2019 i voluntarily called the bank for settling the amount and negotiated with the collection agent mr. Murugan & selvaraj for settling the amount of rs.22000 is enough for reversing all my charges and assured that this amount will not reflect in my cibil history, as per their instruction i have got the dd amount of rs.22000 and given by collecting reversal letter. Still rs.7615.28 is reflecting in my credit card account and my cibil is also updated even after 60 days of my settlement. Kindly look into it

Reversal letter ref :jun19rv1588
Dt:13 june 19

Dear sir

Pls i opening 0 saving account with your bank.. For online but can not received

Passbook and atm card pls give me earlier possible already send the mail you can not response..

Accoutn no :[protected]
Crn no :[protected]
Ifcs code :kkbk0000811

Mobile no:[protected]
Gmail id :krishna53. [protected]@gmail.com

Hi team i am using kotak bank from last 1 year at first it was a salaried account and after that it converted into savings account. And they told me to maintain my minimum balance which is 10k but i was unable to maintain the minimum balance so they told me that they deduct some percentage of my money. Absolutely fine. So on 2aug i had to make a very important payment but when i tried to swipe my card it was showing transaction declined but i was very sure that i have enough amount in account to make that transaction. Some how i arrange money and made that transaction and that was really embarrassing when i contact bank about my issue they told me that they have deducted my money for not maintaining minimum balance in march 2019 which was 590rs
First of i think i should get notify about every single deduction from my account they deduct it without notifying me and another thing this deduction was for march month they are deducting money after 4 months that quite weird please take appropriate actions against them
Thanks

Hi,
I am a seaman currently sailing. I took an instant account from your kharghar navi mumbai on may first week 2019. It’s been 2 months my account is not activated. Since i am on ship you can't contact me via phone number, but you can contact me via email. On behalf of me, my brother has talked to bank manager and they didn't give any proper response and is very rude way of talking like do whatever you want. They are not even taking my phone calls. This is the first time i am getting this kind for worst experience, now a days it’s easy to open a bank account and i don't know what the problem is. Tejas named person also contacted me on 26-07-19 after grievance was filed and told me that it will be activated in 2 days, but now no reply or response from him after. I was told it was some technical issues related to my account and it’s solved. But no use, so better its close my account since there are many good banks who give value to customers and solve issues in a matter of time.
You can contact my brother
The reference number for this request is 1-[protected].

Tbms charges are applied in my account without prior information. I was charged 146.62 rs and 59rs twice for month of august. Such a big fraud from kotak mahindra bank. Kotak is deducting rs146.62 from my bank account. At the time of opening they informed that its a zero balance account. The most surprising thing is that i was never informed about this. No email, no phone call no text message no alert. Such a great customer service. Kotak bank is a fraud, is doing clear unjustice with the customers. I am a student i am not earning yet i saved my money and deposited into bank to keep it safe if i give money to sometime i always prefered upi. We the customers are depositing our hard earned money in banks to keep it safe and bank itself is eating away our money. There should be strict laws against private banks in india. Banks like kotak are forcing customers to keep their white money not in banks but at home at our own risk.

Ad hoc statement charge ₹118 have been deducted on 25-jul-2019 from my kotak account account without any information.

But i haven't asked for any such statements from bank either by visiting branch or through net banking.
And when i opened account bank said their is no charges of online or esttment.

So i need clarification from bank or reverse my ₹118 to my account.
Withfrawal - 118.00 rs

Account no. [protected]

I bought 2 items on emi from zefo amounting to rs12798 in may 2019.
Emi amount 2208 for 6 months.
I returned 1 item for 9899 and received the refund on my kotak card showing in june statement.
I called kotak on 12 june to cancel emi and agreed to pay the balance 2899.
The lady told me to pay 8121 towards my may bill and said that the emi will be cancelled and adjustments will be done on the june statement.
On the june statement, again there is an emi charge of 2208 (2/6) and another charge for 2776 as emi foreclosure principal debit.
I called again only to be told that they will call me back but in vain.
Now on the july statement, again there is an emi charge of 2208 (3/6) and another charge for 6495 as emi foreclosure principal debit.
I want to know when the emi is not cancelled till now then why emi foreclosure principal debit charges
July statement is 33000 out of which kotak owes me 13000 for all the incorrect billing.
I will pay 20000 remaining balance only.

If they don't refund 13000, i will go to ombudsman and bring them to justice for pulling money of customer.

Kotak mahindra bank charged on account of tmbs 59 rupees without informing any sms, mail, message or phone call. I know bank will never call or send msgs to customers. But how can bank charge against customer over tbms without giving any information of deducting money from their account. Kindly reverse my money in my account. Otherwise you will loss of quality customer.

- swapnil kirloskar

You people are suddenly block the card without prior intimation and all.. Then how can i redeem reward points??? I want redeem my reward points around 1500/- are there.
If you are block the what are the benefit customer having you have to give or not?
You are taking penalty and other charges for the delay payment?.. Then why you are doing like this?

I need solution on this.. And exact reason is required for block the card...

My Credit Card appliation is being rejected and I am not sure about the reason.
I want to know the exact reason why my credit card is being rejected.
App no Reference No.[protected]
I need rejected reason from kmb.
I have account maintained and I need change of account type o contracted namakkal branch they not help.
So I din't maintained balance.

Currently I have done a balance transfer with kotak. Very bad experience. First they will call you 100 times for the procedure and then one the work is done they are not ready to listen. I was in contact with the person Shweta who dont knoe to talk properly also. I would not recommend to any1.First of all she extended my years and gave a ### amonuy which didnt even benefit me.I m really upset with this pathetic service and behaviour by this person.Frst she told me I would received a benefit of 1 lakh then now when all the procedure is done my previous is getting deducted from the overall amount also and the person is not ready to accept her mistake and when I told her I wil complaint about this ..These are the words which is using "ha kardo complaint fark nahi padts".What is this happening.No customer satisfaction at all..I am really dissatisfied with this balance transfer