Need advice regarding complaints to Ombudsman for Kotak dormant account.

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Deal Cadet
Chiggy_Wiggy...
Hello There,

I had a Kotak 811 basic account which I created 4 years back and as I didn't use it for more than 1 year they made my account dormant with the balance of Rs. 109.

I never noticed this until I applied their cc 2 times and they declined the card both times because of the dormancy.

I visited a branch in my hometown a total of 2 times in a year and they declined to assist me and said there is some KYC error which can't be resolved.

I asked them to close my account, They said it can't be closed as there is no kyc and told me to wait for a year and the account will be auto closed and so.

Then I left and filed a complaint to rbi with a fine asked for Rs. 10L(May be in greed and frustration).

Now, I received a call from my home branch in NCR by a branch manager and he said it could be done and resolved in a day but the branch i visited was goofed up and he asked me to wait for few days, All this happened within a week after filing complaint to RBI and they know about ir.

Can anybody guide, Or suggest what I can do, Can I ask them for a fine which I did through RBI.

Thanks in Advance.

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Generous Generous
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If they are working on your concern now and resolve it in the coming days then you cannot ask for compensation. Compensation is only awarded when they r unable to resolve it on time.

Deal Cadet Deal Cadet
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prem4998 wrote:

If they are working on your concern now and resolve it in the coming days then you cannot ask for compensation. Compensation is only awarded when they r unable to resolve it on time.

Ohh I see, I think Cx is getting a reward too for the stress.
Deal Newbie Deal Newbie
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can you please share the procedure to file the complain (or webpage to read)
Generous Generous
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Chiggy_Wiggy_Buoy wrote:
Ohh I see, I think Cx is getting a reward too for the stress.

I shared my view based on what happened in my case.

Deal Cadet Deal Cadet
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prem4998 wrote:

I shared my view based on what happened in my case.

Is it the same bank?
Helpful Helpful
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Normal process for filing a complaint in any bank is in the following order: Customer care>Nodal officer>Appellate officer> Ombudsman

If you have followed this route with appropriate timelines and have records then only you can claim any compensation.

Benevolent Benevolent
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10lakh jada nahi ho geya paji? + @guest_999
Wingman Wingman
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Did they charged anything for dormant ac of kotak saving ac? As sometime it happen balance becomes negative for not keeping or using ac
Critic Critic
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aam_aadmi wrote:

Normal process for filing a complaint in any bank is in the following order: Customer care>Nodal officer>Appellate officer> Ombudsman

If you have followed this route with appropriate timelines and have records then only you can claim any compensation.

Compensation is as per rules & norms, one can't just ask for any amt as compensation for any complaint.
@kukdookoo
Deal Cadet Deal Cadet
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kukdookoo wrote:
10lakh jada nahi ho geya paji? + @guest_999
haha, bhai bht sardard kiya hai inhone 1 saal mein, Ulta cibil gira diya.
Deal Cadet Deal Cadet
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asli_shashikant wrote:
Did they charged anything for dormant ac of kotak saving ac? As sometime it happen balance becomes negative for not keeping or using ac
Its not negative, Its positive but restricted the credit and debit thing.
Deal Cadet Deal Cadet
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aam_aadmi wrote:

Normal process for filing a complaint in any bank is in the following order: Customer care>Nodal officer>Appellate officer> Ombudsman

If you have followed this route with appropriate timelines and have records then only you can claim any compensation.

Yes, It was followed like that. I have contacted their cc on my phone(I don't have their records) Then visited the branch then to their nodals/ceo desk, Then again branch and then Rbi. 

But I don't know if they will resolve it this time, or will I be getting any fine or not. If yes then, how.
Deal Cadet Deal Cadet
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Asked for 10 lacs in fine. (Maybe due to greed.)


Yeah maybe .😄

Deal Cadet Deal Cadet
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nagra wrote:

Asked for 10 lacs in fine. (Maybe due to greed.)


Yeah maybe .😄

heha, And they closed my complaint.

sweat
Benevolent Benevolent
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Chiggy_Wiggy_Buoy wrote:
Ye bhi sahi hai, Canadian citizenship leni padegi fir to.
Paisa ho to Russia se leke amrika tak sab ki citizen mil jaegi
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