Reserve Bank Of India [RBI] — regarding the e-mail send by kotak mahindra bank-payment reminder for credit card number xxxx1521

Address: S/o Ramprasad, House owner Name: Venkatesh, Plot No.23, Bendre Nagar, NGO's Colony. Gulbarga-585102., Gulbarga, Karnataka, 585102

Sir,

I am fed up by kotak mahindra bank related employees they have recovered amount of around rs.6000 from my bank account.

My kotak mahindra account number (Salaried they converted to savings, have debit card not credit card): [protected]

I didn't took any credit card from kotak mahindra bank, and i don't owe any debt from kotak mahindra bank. Once i called bank and they told that by mistake they have issued credit card to some other person in my name to srikanth gowlikar (Who is my ex-collegue who was working in 24/7 india pvt ltd, or they might have told lies since i asked them why i'm getting credit card alerts from kotak mahindra bank? I didn't took any credit card from any bank. I am not responsible for any clerical mistakes commited by your bank employees already kotak mahindra bank has recovered rs.6000 from last 5 years for the debt which doesn't belong to me. Now again, they are sending the bank alerts from credit card team, when i joined as a customer and till now the bank gave me only debit/ atm card that too i told them to close my bank account within 3 months from the date of last salary being withdrawn credited into my account, i gave account closing form and physically went to branch to close my account and they told to go the home branch, i visited home branch and asked to close the account and i submitted the account closing form, i told them that to close my account, they told it will be closed and told them if you kept my account open then i am not responsible for ammb which accrues for keeping my account being kept open by bank, even telling them all those things but still kotak mahindra respective employees have kept my bank account open and already they have recovered my amount through aadhar card linkage and recovered from my salaried account of another bank when i was working. I told them that i didn't have money to physically visit branch as i stay in gulbarga not hyderabad for many times and why should i come to branch so many times to close my salaried account got converted to savings bank account? For your bank employees mistake why should i pay amount, close my account and i will not pay a single rupee as i didn't tell them to keep my account open. Bank employees asked to make video call for identification, i made a video call for identification purpose, manager told that your account has been closed and no one will call and trouble you in future. But after that i'm getting credit card alerts, then why i am getting bank alerts? Please go the email sent by them in which they mentioned rbi. Please provide solution to my problem and based on aadhar card, in the past, they have recovered my amount from my another bank account attached to salaried account, govt made aadhar card, number for identification purpose and for knowing the income for tax purpose and not for misuse by kotak mahindra bank. I owe any tax to government as my income is below the taxable amount and since my total income is within the exemption bracket and once ca told me not to submit any tax return form so i didn't submit return as for less taxable amount there is no need to submit return. My taxable income for the previous year 2018-19 is below exemption limit. Why i'm informing the above matter regarding my income because when i don't owe to niether kotak mahindra bank nor to any income tax authority then why amount is recovered from my account. Please do the needful such that my debit account account with kotak mahindra bank is closed and credit card related amount which bank is showing an amount is not liable to be paid by me is showing in my name shouldn't accrue in my name as they are asking and i told them i am not the relevant person then they are using aadhar card linked other accounts and recovered the amount from my axis bank account when i was working in taj group & associates, etc. My earlier employers have even asked me to leave my jobs due to kotak mahindra bank as the taj group & associates asked me to leave job as they thought i owed debt to kotak mahindra bank. Sir, i am cma final student with rich experience of 5 to 6 years in different companies and bears good character, honesty as i will not and didn't tell lies regarding my kotak bank account.

Please go through the below e-mail send by manager, payment assistant unit, kotak credit cards. My aadhar number:[protected]. Please don't give my aadhar number to any bank or any person because they are recovering amount from my bank account which is no where related to me.

Earlier, i called to kotak mahindra bank account number, it is getting connected to marriage bureau number.

Please solve my problem and see that my account get closed, i gave authorisation to you, see that my bank account linked to debit card gets closed. Please solve credit card payment dues which is not related to me and relevant kotak mahindra credit card employees or team of employees have recovered and trying to recover from me for which i don't owe.

Thanks & regards,
Srinivas bitragunta mobile no, [protected]/[protected]

From: [protected]@kotak.com
Sent: sat, 06 apr 2019 11:17:21
To: [protected]@rediffmail.com
Subject: payment reminder for kotak credit card

Dear srinivas bitragunta

Subject: payment reminder for credit card number xxxx1521

Our records show that the payment due against your kotak credit card has been missed, on account of which as on date the account is overdue with a current outstanding of rs.954.66 and a minimum amount due of rs.441.92

Request you to forthwith deposit a cheque/draft at any of the kotak mahindra bank branches/atms/skypak/minc drop boxes. The list of skypak drop boxes is available on our website www.kotakcards.com.

Please note that upon your failure to make the overdue payment the bank is entitled take such action as permitted under the terms of the cardholder agreement for collecting the overdue amount against your card and may deploy the services of a debt collection agency in an endeavour to establish contact with you for collecting overdue amount. The details of agencies engaged by the bank are available on the banks website.

We request you to make the payments on your credit card on or before the due date shown on your monthly statement in future to avoid additional charges to your account.

Please ignore this letter if you have already paid or if you have made alternate payment arrangements with us.

Yours faithfully,

Manager,

Payment assistant unit

Kotak credit cards

For any queries request you to contact on below mentioned numbers:

Ahmedabad 66105891, hyderabad 66299130, bangalore 67175837, kolkata 66139218, chandigarh 5008638, mumbai 66055399, chennai 45008735, new delhi[protected], coimbatore 45008735, pune – 30425566

P. S. Please note that information relating to your credit history with us is provided to the credit information bureau of india limited (Cibil), an initiative of the government of india and the reserve bank of india. An unsatisfactory payment record on your card or any adverse credit history may impact your ability to avail credit facilities from any financial institution in future.