I recently came back from US and started working with a company based in Bangalore. They opened my salary account with Kotak mahindra bank. And I never knew this is going to be a most painful experience of my life.
I received my welcome package which included my Debit card and Cheque Book from the bank on December 14th. That very moment I realized what mess they have made. They have made several mistakes in my details. Below is the list of mistakes.
Name on Account: Amit Chaunan
Actual Name: Amit Chauhan
Email Address on account: firstname.lastname@example.org
Actual email: email@example.com ( Was the guy drunk who made these mistakes or probably hung-over from last night )
Mother Maiden Name on account: Their executive did not provide me the one on account but said it didnt match the one I told him for verification.
So, I had almost all my information wrong on my cheque book, debit card and almost every where possible.
I have my salary cheque in my hand which I can not deposit since it will not match the name on the account.
I raised a request with their customer service department immediately and received a query number
1-1770352891 raised on Dec 14th 2011.
I kept calling them every day to check what they are doing regarding the mess they have created. And they keep stalling me from one day to another.
Nothing happened and my frustration rose. Finally on 21st December they woke up and corrected my information on the account. I was glad.
So, it seemed that everything is fine now I decided to deposit my salary cheque almost when the month was about to end.
I deposited the Cheque on Dec 21st at around 7 pm at Kotak Mahindra Bank ATM located in NGEF Colony, Bangalore.
The cheque was also of Kotak Mahindra Bank and both the accounts are at the same branch. Today is Dec 27th but i can not see even a single penny account. The transaction which is supposed to take only 48hrs has taken over 7 days without any result. I wonder if they have lost the cheque also. I would not be surprise though.
I raised the issue with Customer Service of the bank on 26th Dec 2011.
While I was looking for my cheque to come through I realized that I never received my Debit Card pin. When I called customer care of the bank they gave me a tracking number of the courier company. This is something much more messed up then before.
Tracking number they gave me was: 1512352962
For Velocity Courier Company.
When I checked the status of the shipment with company I found that this tracking number belongs to Mr. Shetty and his package has already been delivered.
After trying myself with the courier company for hours I somehow managed to locate my package.
The actual tracking number : 1512351293
When I told the bank about it they acted to ignorant and dumb that it’s not even funny. They even told me that my package has been delivered to Mr. Shetty which seriously made me wanted to kill the person on the phone.
The courier company is not very active either, they have been stalling me for days as well but what can you do about that they are no Fed Ex or UPS.
Its been 22 Days since I received my Salary Cheque and 16 Days since my account was open, I haven't been able to use even a single penny out of that and it does not seems that I will be able to any time soon either.
If Kotak Bank thinks that they will resolve everything and it will be alright and I am sorry. I am social media activist and will do whatever it takes tarnish the Banks public image.
I have already created the facebook page name "Kotak Mahindra Bank A Fraud” and I promise will make it Viral by this weekend.
Kotak Mahindra Bank a Fraud | Facebook