Kotak Mahindra Bank — Recovery Agent Harassment, Threats to Family and Unprofessional Behavior

Website: www.kotak.bank.in

I am filing this complaint regarding the alleged harassment and threatening behaviour of a recovery agent representing Kotak Mahindra Bank.

I have been a Kotak Bank customer since 2017. My credit card was issued based on my salary, without any property being pledged as collateral. Due to job loss and severe financial difficulties, I am currently unable to arrange the outstanding payment immediately.

I had committed to making the payment on 15 October 2026. Unfortunately, the funds did not arrive as expected. I informed the recovery agent about my situation and requested time until 5 PM on 16 October 2026 to arrange the funds. I am not refusing repayment; I need reasonable time to overcome my financial difficulties.

However, the recovery agent allegedly raised his voice and threatened me instead of communicating respectfully. A person contacted my father last week from a different mobile number and allegedly told him that there was an attachment notice. My father is a heart patient, and this incident caused considerable distress to my family.

I have already raised a complaint with Kotak Bank under Service Request No. 50217916 regarding the collection executive's behaviour. The bank acknowledged the complaint and informed me that it was under process.

I understand my responsibility to repay the outstanding dues. However, I request that recovery activities be conducted lawfully and without intimidation, and that my family members not be subjected to unnecessary pressure.

I request an investigation into the recovery agent's conduct, clarification regarding the alleged attachment notice, and appropriate action to ensure respectful communication. I also request reasonable time to arrange repayment given my current financial circumstances.

I can provide the relevant WhatsApp screenshot and the bank's complaint acknowledgement as supporting evidence.