Kotak Mahindra Bank — Credit card — over charging with poor customer services of kotak bank

Address:	Ghaziabad, Uttar Pradesh, 201010
Website:	www.kotak.com

I had a/c in kotak bank from 2011 and i am also having a credit card of kotak mahindra.

I have stolen my credit card on month of sep 2016 and i have requested to block that card and dispatch for new one. They have sent my credit card to old address.

Then i called to customer service about my case and they said that my address is not updated in system. I asked about procedure to change my address, they told me that you can change the address via net banking and it will be updated within 48-72 hrs. After that they can dispatch my credit card on new address.

Already i have updated my new address by net banking before few days. Still i waited and after 3 days i called to customer service again. Than what happened someone says that you have to send email to cc. [protected]@kotak.com with attachment address proof and id proof, after that my address will be updated in credit card. No a problem i sent an email to same address on 16-sep-2016 as below:
“team,
I have requested to change the address on customer service. So please find the docs of address proof.

Thanks”

Still i did not receive my credit card and i called to customer service again after 10 days. I got a new answer from customer services guys. Now she said that you did not mention the complaint number in email that’s why address is not updated……..
On the same day “24-sep-2016” i send an email to cc. [protected]@kotak.com as below:
“team,
Please update my address and dispatch the card as new address:
Request no: 1-[protected]

Thanks”

Still neither i got my credit card nor any response from kotak team.

After some days my credit card has been removed from my net banking and also my liability.

After a month i got a call from collection team, they said you have dues the credit card payment from last two months. I discussed about my case to mr. Bharat and asked to him that how do i pay when i do not have credit card number. Then he said in a confident tone “no worry sir and sorry for inconvenience”, he will be resolved my case as well settled down each and everything (Late payment fee, finance charges, over limit charge due to nonpayment) then he called a conference call with someone “name of nishant as manager of customer service”.

Name of collection manager: bharat
Email id: bharat. [protected]@kotack.com
Phone number: [protected]

Then next day he picked the payment by cash from my address. After collect the payment when i called to him by tomorrow about credit card status. He did not reply my phone and sms. As of now number is going switch off from last 20 days.

I called many times to customer service, when i asked about floor manager then he said no one is here “no team leader and no manager”. Till now same thing is repeating with me that my address is not updated to credit card. Now customer service has only stupid answer. They are saying that you should change the address again just edit and click update. When i tried the same then i was getting below error.

On the same address which is updated on net banking i have received my new debit card and cheque book on month of sep 2016.

All guys are fake in kotak team and no one is responsible. Now i will put a legal action against kotak bank. Why should i pay below charges to kotak?

Kotak is over charging as below to me from september
1. Overlimit fee 500.00
2. Auto debit failure fee 500.00
3. Late payment fee 700.00
4. Interest charges on above fee