Kotak Mahindra Bank — credit card bill dispute and miscommitment and harassment by bank

Address:

Kolkata, West Bengal, 700012

I have been overcharged for unsuccessful atm transactions however the transactions never happened. I disputed with the bank and they have already put aside a provisional credit based on my dispute and currently the issue is being investigated by visa team however this month they have put an hold of rs 5700 approximately on my account on account of credit card payment which i have disputed. Also please note that my emi due tomorrow would bounce due to the same and i would have to pay charges to the bank for the same. I have been continuously telling the bank to resolve the issue however even after more than 90 days they have not been able to and continuously harassing me with phone calls and messages asking me to pay the disputed amount. This is a trauma on my mental condition and as this has been going on for months now i would like the bank to compensate for the the insults that i had to face because of their error. This is turn will affect my credit score and i seriously want a compensation for the trauma, ill health, and insults faced due to bank's error. Moreover i was offered a credit card from the bank proactively in 2015 and was told that it was free for lifetime however they charge me every year for the cards. This was a mis - commitment. Moreover they have provided me with 2 credit cards when as per the conversation with the executive i was supposed to get only one and they charge me separately on both the credit cards every year. However the limit on both credit cards are combined and not separate. This proves that they are cheating on me and trying to rip me off and take extra money from me. I would also like to ask for a compensation against such fraudulent activity against me. Request you to please look into the same.