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Raise your complaint through Kotak mobile app grievance redressal level 3
I got the same answer when I email but when I raised complaint through app I got my cash back after 2 weeks and I have observe that if you email to Nodal Officer or principal noodle officer they reply comes from level 1 instead of Level 2 or level 3 it is mentioned in their reply email and level one people have no solution for this
Tabhi soch raha hu same reply and phone call keu a raha hein ... Kotak app means kotak old app ?
 
For the January month CB I emailed the grievance redressal and they said that the changes of T&Cs would be considered in effect from 1st January and then I raised it to PNO and got the same response that the T&Cs would be effective 1st January and I clearly asked them the reason of not following standard industry practice of informing the changes in T&C well before in advance instead they informed afterwards. How are they differentiating policies for every customer.

They should give CB to all or none why is it customer based.
Same reply I also got.
 
They instantly credited my account for Jan instead of processing in batches.

You have to use Hydro pump if water gun is not effective.
Mujhe Monika ka reply nai aya lein .
Amandeep Kaur ka aya unhone kaha.
Leave this with me, I’m looking into it, and will get back to you. We’ve also sent an SMS to your registered mobile number with our expected date of resolution.

Dekhte hai ab. Socha tha monika Mam Reply Karengi.
 
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