Kotak Mahindra Bank — Money taken out without permission

Address:Mumbai City, Maharashtra, 400099
Website:BANK POLICIES

Hi I would like to raise a complaint against kotak credit card as they have taken out 17794.57 from kotak bank account without my authorization and and they have not put that money on the credit card as well and have blocked it and when contacted they say that they will credit the money onto the credit card after 2 days. All of this happened even after me contacting them upfront earlier in the day and telling them that I am going to make a payment.
The advisor I spoke to did not inform me that the money will be auto debited and because of this action I have been stranded without any money.
Spoke to manager call austin fernandes and he said that it is mentioned in the terms and conditions that they can take the money without permission but could find anything there.
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Kotak Mahindra Bank customer support has been notified about the posted complaint.
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I am still fine with the money being taken out from my account but my problem is that they have the not put that money onto the credit card and my own money is blocked from me for 2-3 days and on top of that the charging process for over limit is pathetic...Disgusting bank ...had a lot of problems since beginning ...one of the worst banks I have come across ...would close all the accounts with them as soon as possible and also will not recommend kotak bank or any services associated with the bank to anyone.
Dear Customer,

Sorry for the inconvenience caused.

We would be glad to help you. Please elaborate your issue along with your contact/credit card number at solutions.[protected]@kotak.com

^Kotak Team
Disgusting customer service once again. Spoke to the collections manager today as was asked to contact him by the customer services said will happen in 30 minutes. But when followed up says will happen by tonight when disputed says that did you call me two days back and you should have called me 2 days back and arrogantly says that i was doing it for you but now i will not do it... Disgusting service and people in kotak...
the managers name is Shantanu Patil...

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    27 BKC, C 27, G Block, Bandra Kurla Complex, Bandra (E), Mumbai, Maharashtra, India - 400051
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