[Resolved]  Kotak Mahindra Bank — UNDUE HARASSMENT FROM CREDIT CARD DEPARTMENT

Address:

Kolkata, West Bengal

Dear Sir, I am NOT a customer of Kotak Mahindra Bank BUT I am recieving regular calls from one person who claims he is the employee of KOTAK MAHINDRA BANK. His name is Mr. Dipak Sharma. He regularly calls from the number [protected] at my home and in my personal mobile number and tries to mentally harass me and my family members. He says that my NEIGHBOUR (Mr. Partho Sengupta) residing at BD-329, Salt Lake City, Kolkata -700064, has overused his credit limit in his credit card and he is not clearing his dues. He further says that my name has been given along with the number at the time of issuing credit card as a relative. He says that Mr. Partho Sengupta is not picking up calls and not responding, so its my duty to either make him respond or I will have to pay. Mr. Dipak Sharma has been regularly unprofessional in his conversation and has called me "chor" (thief) again and again. I have tried to make him understand a lot of times that I am not responsible in any manner but he refuses to understand. In this regard I will like to clear these points.: 1. Although Mr. Partho Sengupta is my neighbour, I am not his relative. I have NO relation with him whatsoever. We dont even have talks for years. 2. Even after these calls I had contacted him and he confirmed me that he never gave my name or number to anybody. 3. Even if he is lying and he did really give my name and number, I have NO responsibilty whatsoever towards the liability because I never signed any document and gave no assurance/confirmation to the bank. I am not a guarantor. Please tell me which bank in the country gives a credit card or a loan just on the basis of name and number and not without signature and confirmation? If I take loan and give the name of Mr. Dipak Sharma and his number and then I dont repay, will the Bank disturb and harass Mr. Dipak Sharma? What a ridicule KOTAK MAHINDRA has made of the Banking System in the country? 4. Mr. Dipak Sharma regularly calls up at home and disturbs my family. He does not understand the basic Banking Laws. Just because they are unable to recover their dues from one person, it does not give them the right to disturb the neighbours to recover the dues. If I am at fault I am ready to face legal actions. I even asked him that whether they have my sign and confirmation as a guarantor. He replied "NO". That means even he knows I am not responisble in any way still he is trying to mentally harass me so that I help him to recover his dues. Dear Sir, I request you to look into the matter immediately and stop their employee from harassing me. Earlier I had faced a problem with another company and I took help of this site and I was glad the problem was solved within a week. This is why I have come again for your help again. If Mr. Partho Sengupta has done some wrong, they should catch hold of him and not harass the neighbours. Regards, Mr.Bimalesh Kumar Ramuka