Credit Card Settlement Issue Against to Kotak Mahindra Bank

G

Gaurav Singh Sengar

New member
Bank Name
Kotak Mahindra Bank
Customer Care Number
9953193825
Loss Amount
7430
Ratings
1.00 star(s)
Gaurav Singh Sengar
UGF-003, 5/1509 Vashundhra Sector 5
Ghaziabad, Pincode 2021012



Subject: Complaint Regarding Non-Reflection of Credit Card Payment and Force Deduction


Dear Sir/Madam,


I, Gaurav Singh Sengar, holding the credit card with the number ending in XXXX (Last 4 digits-3343), wish to file a formal complaint regarding the issue I have encountered with my credit card payment.


On 15 February 2025, I made the payment towards my credit card, as per the due date and the stated amount on the credit card statement dated 15 February 2025. However, despite making the payment, the amount has not reflected on my credit card statement. Furthermore, I noticed that a force deduction has been applied, and my savings account balance has been left at zero due to automatic adjustment, which I did not authorize.


This situation has created significant financial distress and inconvenience, as I am unable to access my savings, and I have already made the payment as per the terms mentioned on the credit card statement. I have tried to resolve this issue by contacting the customer support department, but I have yet to receive any satisfactory resolution or response.


The details of my complaint are as follows:


  • Date of Payment: 15 February 2025
  • Amount Paid: 76517.11
  • Statement Date: 15 February 2025

Nature of the Complaint:


  1. Non-reflection of the payment made on the credit card.
  2. Unauthorized force deduction from my savings account, leaving the balance at zero.

I kindly request to take appropriate action to investigate this matter, ensure the payment is properly reflected on my credit card, and halt any further deductions from my savings account. Additionally, I request compensation for the inconvenience caused and for any financial loss that has resulted from this issue.


I look forward to your swift intervention in this matter and expect a prompt resolution.


Thank you for your attention to this urgent issue.


Sincerely,
Gaurav Singh Sengar
 
Last edited by a moderator:
I'm sorry to hear about the difficulties you're experiencing with your Kotak Mahindra Bank credit card payment. It's concerning that your payment hasn't been reflected and that unauthorized deductions have been made from your savings account. To address this issue, consider the following steps:

Steps before filing case in Consumer Forum

1. Immediate Actions:
  • Contact Customer Care: Reach out to Kotak Mahindra Bank's customer care via E-Mail to report the issue and seek immediate assistance.

2. Escalate the Complaint:

If the issue remains unresolved after contacting customer care, escalate it through Kotak Mahindra Bank's grievance redressal mechanism:
  • Level 1: Contact the Nodal Officer via Registered Post:
    • Address:
      Nodal Officer
      Kotak Infinity, 6th Floor, Zone II
      Building No. 21, Infinity Park, General AK Vaidya Marg,
      Malad (E), Mumbai – 400097
  • Level 2: If still unresolved, escalate to the Principal Nodal Officer:
    • Address:
      Principal Nodal Officer
      Kotak Infinity, 6th Floor, Zone II
      Building No. 21, Infinity Park, General AK Vaidya Marg,
      Malad (E), Mumbai – 400097

3. Document Your Case:
  • Gather Evidence: Collect all relevant documents, including payment receipts, bank statements, and any correspondence with the bank.
  • Maintain Records: Keep a detailed log of all interactions with bank representatives, noting dates, times, and the names of the personnel you speak with.

5. Legal Assistance:
For any legal assistance, contact our expert advisor.

Thanks
 
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