Kotak Mahindra Bank review: Credit card

I am constrained to file this formal complaint against Kotak Mahindra Bank for initiating a false and frivolous criminal case against me in connection with alleged non‑payment of credit card dues, despite the existence of an arbitration clause and ongoing settlement discussions with the Bank’s collection team.

The dispute is purely civil in nature, arising from alleged credit card outstanding. Arbitration has already been invoked, and settlement options were under discussion. Notwithstanding this, the Bank has chosen to file a criminal complaint before the Ld. JM Court at Kolkata—a jurisdiction wholly unconnected with my residence, workplace, or the situs of transactions. This action is evidently intended to harass, intimidate, and coerce me.

Such conduct amounts to abuse of the criminal justice system for recovery of a civil debt. It is in clear violation of the Reserve Bank of India’s customer service and fair practice directions, which mandate lawful and non‑coercive recovery methods. Resorting to criminal prosecution during arbitration and settlement discussions is arbitrary, intimidatory, and contrary to the principles of natural justice.

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