Consumer Redressal

My name is Syed Seemab Hussain Abdi and I have a Salary A/c No.01800040006990 (CRN No.37533155) in Kotak Mahindra Bank(Branch Sector-63,Noida-U.P.) . Kotak Bank has also issued me a Credit Card No.4166 4643 0057 6949. Kotak Bank has issued me Credit Card of Rs.20,000 limit and the Credit Card representative has informed me that if I will use upto Rs.20,000, Kotak will convert it into 12 EMI’s hence I can easily pay it. A such I have used it upto Rs.20,000 but the Kotak Bank never converted into EMI,s despite many repeated request to Kotak Credit Card divison .Every month I pay the minimum balance due but the principal amount of Rs.20,000 remains as it is. My credit card balance went upto Rs. 26,771.10 and I have requested from credit card deppt. many times to make the EMIs of the said amount as per Kotak Bank policy ,as EMI policy already informed to me by Kotak Credit Card representative before I have used it. On 31st Dec. 2013, while checking my online Salary account with Kotak Mahindra Bank, I found that my Salary account has been blocked (Lien)& due to this reason I could not withdraw any amount from my account. Then I immediately went to my branch of Kotak Mahindra Bank to finding out the reason for such action. Upon enquiring, it was informed to me that this blocking was done due to outstanding amount against Credit Card Outstanding for Rs.26,771.10 /-. They refused to part with any other information & advised me to call the Credit Card Division for further details. As per the branch instruction I wrote to Kotak Credit Card Division at service.cards@kotak.com. And received the reply from Credit Card Division that when you will pay Rs.26,771.10/-. Then we will remove the blocking/lien from you Saving Account and convert the amount into EMIs. Hence I asked them if I will pay the whole amount Rs.26,771.10 then what amount you will convert into EMI, as there is no amount left to be paid. Although the matter was already pending against the Kotak Nodal/Regional Officers, On 2nd Jan 2014 I was surprised to check that Rs.23,939.00 was already got transferred from Salary A/c . to Credit Card Deppt. without my authorization. Even Rs.23,939.00 was got transferred from my Salary A/c . to Credit Card Deppt.,still my account shows a negative balance of Rs. - 26,771.10 against Kotak Credit Card. Hence I am filing a complaint against Kotak Mahindra Bank regarding :- - Mispresentation /Misleading information regarding Credit Card providing to the customer regarding EMI policy, due to which I have used it. - Blocking/Lien on my Salary A/c. without any written agreement/undertaking signed between me and Kotak Credit Card Division. - Unauthorized transfer of funds (Rs.23,939.00)from my Salary A/c. to Credit Card Division. - Even after transfer of Rs.23,939.00 my account shows a negative balance of Rs. - 26,771.10 against Kotak Credit Card.