[Resolved]  Kotak Securities — harassment regarding credit card including fraud

Kotak offered me a credit card which i accepted. I have been paying dues on time till september 2018 after which i am out of work. My account was marked lean in october although i paid more than the minimum due. I paid another amount again the next month but account stayed with len mark and i was told i have to clear full outstanding to get that removed which was obviously not possible for me.

In january 2019 i received call from an employee (Not declaring name here in public forum). I told the employee about my problem and said i am in lookout for a job after which i shall pay. Max it would take was a month or two till which i requested their cooperation.

Soon after that, in a couple of days i received whatsapp from the employee stating he/she (Not declaring on public forum and shall hence forth refer in the same fashion for the exact reason) would be making my payment on my behalf to which i vehemently opposed as i wouldn't want anyone to pay on my behalf.
I then started receiving whatsapp messages stating he/she had already made my payment and when i asked why and how could he/she make that payment without my consent then i was told he/she was under pressure from his/her manager!!! This seemed unethical to me already.
Then i received personal bank account details (Available with me now) of the employee with statements saying i have cheated him/her and now must pay in his/her personal account!!! I was puzzledand said this is extortion to which i was told doesn't matter and that i have committed great sin by doing it. I even confirmed that he/she was indeed an employee of kotak mahindra.
(All details, whatsapp screenshots are saved with me)
I actually checked back to see if indeed some payment was done on my behalf and found there was none!!!

Now i received calls from another kotak mahindra employee who started threatening me on the call referring to me as a thie[censored] I was told that they would call all friends, family and previous employees and also mentioned they would put up notice on my door that i am a thie[censored]

I am depressed, i have never misbehaved with any of their employees and am sure kotak mahindra will also have all call recordings.

If immediate action is not taken on the subject, then i shall be forced to file harassment and vicarious liability for fraudulence and extortion against kotak mahindra.