Kotak Mahindra Bank - Deceived By Bank

This all started when I wanted a loan top-up from my current loan and I applied for it on Kotak bank. My loan was rejected due to several cheque bounces in the last ** months.

I started checking all the statements and found the issue and described below.

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I took a loan at Kotak Mahindra Bank around Jan/Feb ****. I shared all my documents and my salaried account was on Axis Bank. I was asked to give a cheque leaf from Axis bank salaried account. While This was happening I asked Kotak representatives about where will it be debited and I was told that it will happen in the Axis account and I asked them to change it to debit from the Kotak account they told me we can do that after three months.

For the first two months, it was debited from Axis and after that. due to the COVID mortarium, it was paused for two months. After that loan was autodebited from Koak and this was mentioned in a statement "LOAN AMT SPLN******** AS PER CUST REQ-E" after several months of auto-debit stopped working and I reached out to the customer relationship manager at that time through WhatsApp about this issue and no response. so I started paying it manually through GPay and Paytm. Last month in the month of may I received a call from the Kotak support team and I explained my auto-debit problem and I was told to pay from Axis and for the month of June it was auto-debited from Axis bank.

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Now coming back to the loan issue, I asked why was my loan request declined and I was told about my cheque bounces.

I contacted Kotak Twitter handle about this issue and this was their response.

"Hi! We wish to inform you that, the EMI was bounced when we tried to debit from the repayment account on the EMI date. Due to which we had debited from the Kotak account which was linked under the same CRN as of Loan account to avoid further charges. ^Team Kotak"

"Hi! We wish to inform you that, the Kotak account is under the same CRN as of loan account number. ^Team Kotak"

"Hi! We wish to reiterate to you that, the EMI was bounced when we tried to debit from the repayment account on the EMI date. Post that, we had debited from the Kotak account which was linked under the same CRN as of Loan account. ^Team Kotak
"

According to me, I was the person requested to pay through Kotak - why was the attempt made on-axis and cheque bounce reported?

According to Kotak, they debited it automatically from the account with the same CRN just to avoid extra charges. they don't know about my request at all if that's true *) Why wasn't I informed about it and why didn't they get my consent? *) After debiting from my account automatically why there is a black mark in my credit report?

I was never informed about any changes and I was deceived by the bank now because of their problem I will not be able to apply for any loan for the next few years and this is a permanent black mark in my credit report which I'm not even responsible for.