Kotak Mahindra Bank — otp delayed during debit card transactions

Address:

Mumbai City, Maharashtra, 533003

I have NRO account with Kotak Mahindra for many years. I generally use my credit and debit cards issued by banks outside India. But, Whenever I use my visa debit card issued by Kotak Mahindra bank, OTP arrives after 45 minutes!! Obviously I could not complete any transaction without OTP. Cannot complete Railway ticket bookings and other payments online.

Further, really problems are much deeper due to negligent operations of management of this bank.

1. I have updated (changed) my phone number abut 6 months back and I can see the new number that I provided on the website. However, it was nto changed in their records. When I do the debit card transaction, I get a message that OTP sent to mobile number xxxxx7812 and email [protected]@hotmail.com. But really that was my old number. OTP is sent to email only after 45 minutes or so. Railway website or any merchant website will not wait that long. Nobody will wait either sitting and staring at computer screens.

2. I tried to contact customer care of Kotak. However phone numbers given on their website are busy which means you have to keep trying. After many attempts, I got connected to their Bangalore number 66006022. the automated voice and options are very long and not useful. Specifically there is no option for Debit card!!! This is their so called Phone Banking

3. I tried to write email; clicked on 'Email us' on their website. There are different options, including Credit Card; but again - there is NO option for Debit card !! May be Kotak management knows that problems related to Visa debit cards should be ignored for ever??? What a mess?

4. Their Relationship Managers - they are all humans, we all are. They try their best. But really their system, management framework never permit these young (or even middle level) executives to complete the works in meaningful manner. The problem is that executives are battling with many problems caused by the system and trying to help customers.

I want to give some suggestions, but seems nobody cares.