Reserve Bank Of India [RBI] — complaint against kotak bank, kankurgachi, kol write to rbi kolkata but no responses till date. kata

Address: 700054

Website: www.kotak.com

Fwd: 'kmbl=872-937' re: kotak credit card — response to bank alerts - from p k chatterjee & shibani chatterjee — there is no written bank mandate by any one o[censored]s - card issued without our written consent & mandate — another new fraudulent transactions by cc deptt through kotak bank information - from jaideep, pk & shibanichatterjee — issues not yet resolved - cancellation of card no 5716 along with re - to madam reena banerjee - serious complaint against kotak bank, kakurgachi, kolkata & cc deptt madam rinki dev

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Begin forwarded message:

From: prabhat kumar chatterjee
Date: 21 october 2018 at 9:31:28 am ist
To: [protected]@rbi.org.in
Cc: "[protected]@gmail.com", [protected]@kotak.com, [protected]@kotak.com, jatin. [protected]@kotak.com, [protected]@kotak.com
Subject: re: 'kmbl=872-937' re: kotak credit card — response to bank alerts - from p k chatterjee & shibani chatterjee — there is no written bank mandate by any one o[censored]s - card issued without our written consent & mandate — another new fraudulent transactions by cc deptt through kotak bank information - from jaideep, pk & shibanichatterjee — issues not yet resolved - cancellation of card no 5716 along with re - to madam reena banerjee - serious complaint against kotak bank, kakurgachi, kolkata & cc deptt madam rinki dev

Respected reena madam
Rbi, kolkata
I have already informed you that vm - kotak (Not accessible on mail or phone for any complaint) bank information kotak/ bank alerts kotak are repeatedly claiming rs 5716 (Ccno) not received by us (Postal / courier records can be thoroughly checked)- kotak bank, kakurgachi is harassing us in collusion with their cc deptt (Madam rinki dev) & mr kamlesh, manager kotak kakurgachi
Pl take suitable action to stop such illegal demands & banking
Regards,
Jaideep/ pk/ shibanichatterjee
[protected]
Nb — madam rinki, cc deptt not responding to us

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On 19-oct-2018, at 8:54 am, prabhat kumar chatterjee wrote:

Attention
Respected madam reena banerjee, rbi

I have written several mails for your kind intervention & settlement but not getting any response
I talked to your secretary for connecting to you but he said — you write we shall respond
Regards
P k chatterjee
[protected]/[protected]
Ex ed psu

On fri, oct 19, 2018, 08:47 prabhat kumar chatterjee wrote:
Dear all,
Please except acknowledgement no concrete action is being taken
I have repeatedly informed card no 5716 never received in our address, but regular reminder being sent to payrs588.
I strongly object for such illegal demand & cards being issued haphazardly without any written mandate
Matter is serious bank manager & cc deptt must restrain such illegal move to demand payment for card which has no existence in our family & trying to force for payment
Pkchatterjee
&
Family
Nb-our other fraudent cards & payments made for card no 5718 & 2559 issued without written mandate & never used &already blocked from the begining
No gestures for resolving such critical issues violating rbi guidelines

On mon, oct 15, 2018, 17:00 card assist wrote:
Dear customer,

We acknowledge and thank you for your email.

We assure you that this is being assigned to a dedicated resource. Please allow us to look into the matter and our service executive will respond within 1 (One) working day.

Please note:

•email marked by bank users to service. [protected]@kotak.com will not be replied or actioned.

•mails sent from non kotak id’s will not be replied or actioned

•tat for replying on emails marked to [protected]@kotak.com is same as before, which is eod of next working day.

•emails will be replied with sr id and the tat along with the name of the concerned unit (Staff) from cards business/ backend team.in case o[censored]rgent resolution (For a faster tat), respective team is requested to follow up directly with the concerned team in credit cards.

•cardassist team is into handling correspondence and does not do any outbound call.

•customer can be given an option of calling our 24 x 7 support of inbound.

•customers who holds royal & signature credit cards can be given an option of kassist. Customer can message kassist on 5676788 or bank users can message kassist< space>crn on behalf of their customer. Tat for calling back is 2 hours from monday to saturday between:9:30 am to 6:30 pm.

•the above kassist option is only available for customers who hold royal & signature credit card.

Thanking you and assuring you of our best services at all times.

Best regards,

Kotak mahindra bank

— original message —
From: prabhat kumar chatterjee [[protected]@gmail.com]
Sent: monday, oct 15 2018 4:58pm
To: [protected]@kotak.com [[protected]@kotak.com ]
Cc: kamlesh. [protected]@kotak.com [kamlesh. [protected]@kotak.com]; kanishka. [protected]@kotak.com [kanishka. [protected]@kotak.com]; rinki. [protected]@kotak.com [rinki. [protected]@kotak.com]; [protected]@kotak.com [[protected]@kotak.com]; card fraud control sbi [[protected]@sbicard.com]; jatin. [protected]@kotak.com [jatin. [protected]@kotak.com ]
S
Dear all,
Pl ensure cancellation of all cards biz; 5718, 2559, & 5716 (Not even received, charged rs588 for this card not received in our address or accepted with written mandate)
Pl cancel all these cards & reverse all due amounts — i do not allow any organisation to access my sb a/ c without my/ our written mandate
Pl respond
P k chatterjee
Shibani chatterjee
Jaideep chatterjee
[protected]

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On 15-oct-2018, at 9:32 am, prabhat kumar chatterjee wrote:

Attention
Bank alerts/ credit card collection deptt/ mr kamlesh kotak bank manager/ mr kanishk, dy manager kotak/ madam rinki dev kotak
All concerned may note the issue of reversal wrt to credit card nos 5718, pkchatterjee/ cc no 2559, shibani chatterjee issued without written mandate & one assist demanding additionalrs1399, not yet resolved & all concerned are not serious to resolve. Only giving a standard reply without reversal actions taking 5 days time with every reply.
Now there is another wrong demand of rs588 against cc no 5716, never received (Postal records or courier records maybe checked) which we informed in details in several mails. But bank & cc deptt is reluctant to reverse till date for all such fraudulent transactions.
I am once again reminding to reverse all amounts against cc n 5718, 2559 & 5716 all demands were illegal & there was fraudulent access to our sb a/c without our written consent/ mandate
Hope, kotak manager mr kamlesh & rinki dev must take now immediate action to resolve by today, so that rbi guidelines are strictly adhered & punitive action may be avoided
Kotak bank manager/ dy manager is responsible for sharing our confidential details & not interested to rectify their own faulty system & to protect a/c of customers in kotak bank, kakurgachi branch
This is serious harassment to sr citizens & ex psu executive director
I am waiting for reversal, waiver & settlement of all issues by today after our long long wait
Waiting for response & corrective action on priority
P k chatterjee &
Shibani chatterjee

Nb — demand against unsolicited / without mandate credit cards & even credit cards not received speaks very highly about the unfair intentions beyond rbi guidelines

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On 12-oct-2018, at 9:15 am, prabhat kumar chatterjee wrote:

To all concerned,
Pl note despite many fraudulent trasactions as below for cc no 5718 & 2559, issued without any written mandate & amount of rs 1274 deducted from sb a/c of shibani chatterjee, although card issued illegally & without written consent, but directly debited from sb a/c which is illegal as per rbi guidelines. Assured but amount not yet reversed, both bank & cc is yet to take final steps.
Now on 12-10-28 we received another demand for paying rs 588 against fictitious cc no 5716 which we never received (Courier services/ post office record may be checked for authenticity). Demand issued on 11/12-10-18 with the intention that cc collection deptt will add another penalty of rs500 or so on 14-10-18 for failure to pay this illegally demanded charges against the card no 5716, not received & no mandate given by anybody, only ccdeptt & kotak is playing with our sb a/c for wrongful deductions — none of the two card mentioned below (2559 & 5718) & fictitious i received card 5716 has been ever issued but being threaded to deduct further amount of rs588.
Now it is high time that we should dissociate ourselves from kotak bank, kakurgachi, kolkata for continuous fraudulent transactions & illegal deductions
Rbi must play a key role to stop such malpractices is by
Kotak bank along with their cc deptt.
In my 40 yrs career i have never such transactions either by any bank or their linked cc deptt
Assist deptt only acknowledges the letter without taking any corrective actions.
Pl assure immediate remedial action for reversal of rs 1264 for card no 2559 & rs 588 for the fictitious card no 5716 (Not even seven or received, without any question of any use like other two cards)
Pl reverse all amounts, block all such cards & cancel all these cards immediately & give us relief of writing mails every day without any fruitful actions
If cards not blocked & cancelled, all responsibility will lie with kotak bank, kakurgachi & their cc deptt & their collection deptt who are indulging such wrong practices
I invite attention of mr kamlesh (Manager kotak), mr kanisk, dy manager kotak & rinki madam of cc depp kotak for immediate action to resolve by 13-10-18 so that no further penalty is added for their wrongful actions & fraudulent deductions from our sb a/c without any written mandate for issuance of such illegal cards, and never used

Hope for a quick action & reversal / blocking & cancellation of all such cards - any deviation will further justify the wrongful & illegal intentions of the bank & cc deptt of kotak bank

Shibani chatterjee
P k chatterjee


Nb — pl note there is no record of delivery of card no 5716, no record of any use of receipt as such demanding further payment of rs588 is illegal, fraudulent & forceful for which bank & cc deptt must reverse & rectify by today — we shall not be responsible for their failure to take action for reversal of all demands, blockage of all cards & cancellation to avoid further misuse by them & other agencies - since card5716 not received by us chances of fraudulent use is more & bank/ cc must ensure customers’ protections against any fraudulent use by their own persons

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On 05-oct-2018, at 12:15 pm, prabhat kumar chatterjee wrote:

Serious offence & illegal actions by bank & cc deptt of kotak bank, kakurgachi — to all concerned/ spl attention to bank alerts & manager, kotak bank, kakurgachi

Pl also note there is no written consent by either o[censored]s (Myself & shibani chatterjee) for issue of cards in our names or for linking our sb a/c with kotak bank for any deduction from our sb a/cd a’s has been mentioned or threatened by bank alerts — the illegal amount cannot be deducted from our sb a/ cd without any written mandate (Not given to cc / kotak bank for such actions, i have highlighted this to mr kamlesh, manager kotak bank, kakurgachi, kolkata.
Pl ensure no illegal actions are taken in absence of our written consent for issue of credit cards or seeking services of one assist for availing card protection plan in our names
We are being threatened with illegal actions & illegal involvement of one assist & threatening of illegal deductions from our sb a/c for card issue & invalid charges from one assist for rs1399
Bank manager, kotak may check validity of my contents from cc deptt/ rinki madam.
Such illegal steps, in absence of written consent is not tenable in the domain of complaints to banking ombudsman/ rbi
Pl take corrective steps & avoid illegal actions & steps to cause loss to sr citizens/ loyal customers due to lack of professional management by kotak & their cc deptt who are indulging wrongful action
Rbi also supports without written consent no such actions can be taken for deductions against illegally issued credit card with involvement of one assist with the help of bank & their cc deptt, which is construed as an illegal action against illegally issued cc & promoting one assist for their benefit for which also we not given any written consent & objected in time.
Pl take corrective actions & appraise
Shibani &
Prabhat kumar chatterjee
Pl rectify & appraise

Nb — long time has passed, pl reply by today

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On 05-oct-2018, at 9:34 am, prabhat kumar chatterjee wrote:

Attention message from bank alerts
And all concerned

Dear sir,
I was surprised to receive this mail. For last more than one month we have written several mails to all concerned of kotak bank, kakurgachi, kolkata, cc deptt c/o madam rinki dev for issuing to both o[censored]s league credit cards (5718 - to pkchatterjee & 2559 - to shibani chatterjee) as free cc, but subsequently charged annual fees without disclosing to us earlier for the free card. After few days one assist charged rs 1399 to both cards for card protection plan without our consent& we denied to
Accept & informed bank & cc dept to block our cards which we never used, even pin was not opened for any use
It was a fraudulent transaction by one assist (For card protection without our consent) immediately. Cc deptt blocked the cards for our use. But it was surprising that bank & cc deptt accessed our sb a/c fraudulently.
They are consoling that amounts are being reversed immediately. Now you have escalated to pay dues for the card fraudulently used by cc & kotak bank & never took my consent.
Since my sb a/ c fraudulently accessed by bank & credit card deptt of kotak& no dues on our cards including that of shibani chatterjee, there is no question of any dues for forcible & fraudulent transactions by the bank (Kotak) & cc deptt.
I talked several times to bank manager sri kamlesh (Kotak — [protected])
Mr kanisk, dy manager kotak - mob-[protected] &rinki dev of cc deptt — [protected]
And still they are in the process of reversing — even my account is showing some actions taken but not fully reversed, a/c of shibani chatterjee is being considered for reversal immediately. I have earlier forwarded all mails to you for your information
Rbi says you can report such cases with details of their reply & ph no for our intervention as fraudulent access to your account & one assist charging rs1399 without your consent
Hope you will understand the situation before taking any further steps as contemplated.
I am an ex executive director of the largest psu & also served as board member of pvt big cos & also as advisor to sbi mumbai & i never promote illegal transactions as has been done — there has never been any os against other valuable cards i my life (As a senior citizen)
If there is lack of cooperation i shall escalate with rbi (Format is already given to me) for such fraudulent transaction & direct debit threat to our sb a/c i consultation with kotak bank & cc deptt of kotak bank c/o madam rinki dev who is also taking na for such cases
Hope you refrain from taking illegal actions & help to settle this issue with reversal & after taking to mob no given as above
All problems created by one assist (For card protection plan & not accepted by us) but only accessed with the help of kotak bank & cc deptt illegally — pl resolve & hope you will not force us to escalate with rbi for such fraudulent transactions & threat to forcibly recover from our sb in an illegal manner & without any fault on our side
Pl resolve & respond
Shibani chatterjee
&
Prabhat kumar chatterjee
[protected]/[protected]

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On 04-oct-2018, at 3:43 pm, prabhat wrote:

On oct 4, 2018 15:17, [protected]@kotak.com wrote:

Date : 04-oct-18
Dear mrs. Shibani chatterjee,

Sub:your credit card a/c no. Xxxx xxxx xxxx 2559
Your kotak mahindra bank a/c no. [protected]

This has reference to your outstanding due on your captioned credit card no xxxx xxxx xxxx 2559.

Despite repeated requests and reminders to you to clear your outstanding dues, you have failed and neglected to pay the outstanding dues. As on 04-oct-18, an amount of rs.1274.42/- is due and payable by you.

You are once again called upon to clear all your outstanding dues on your credit card, within 3 (Three days) from the receipt of this email, failing which the bank shall be constrained to exercise its right of lien and set off on all /any money or property belonging to you in any savings/current accounts/term deposit/recurring deposit etc. And to apply it to the repayment of your outstanding debt owed to the bank.

Please note that the bank in the exercise of its right of lien has marked a lien on your a/c no. [protected] on 29-sep-2018 to the extent of rs. 1274.42/-.

This is without prejudice to any other rights & remedies available to the bank to recover the balance outstanding on the captioned card account.

If in case you have already paid the outstanding amounts due in respect of your credit card or any other clarification we request you to please contact our kotak customer care at[protected].

Yours truly,

Kotak mahindra bank ltd.

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