The District Consumer Disputes Redressal Commission, Chandigarh, has dismissed a complaint filed against Kotak Mahindra Bank over alleged unauthorised credit card transactions, saying the case was premature as the matter was still under investigation.
The Commission, headed by President Amrinder Singh Sidhu and Member B.M. Sharma, noted that the bank had not yet taken a final decision on the disputed transactions.
The complainant, Joginder Singh, said that while checking his credit card statement dated January 15, 2025, he noticed two transactions of ₹19,520.29 and ₹31,040.25, both dated December 23, 2024, which he claimed were unauthorised. He also stated that he did not receive any transaction alerts.
After contacting the bank’s customer care, the amounts were initially credited back to his account. However, later, ₹19,520.29 was withheld by the bank citing an ongoing investigation, while ₹31,040.25 was shown as unbilled outstanding, with the complainant being informed that he would have to pay the amount if the issue was not resolved.
Alleging poor service and unfair practices, and stating that repeated emails did not bring any final solution, the complainant approached the Consumer Commission seeking refund, interest, compensation, and legal costs.
Kotak Mahindra Bank, its Nodal Officer, and the Reserve Bank of India did not appear before the Commission despite receiving notices and were proceeded against ex parte.
After examining the case, the Commission observed that the complainant himself admitted that the ₹19,520.29 transaction was still under investigation. For the second amount, the Commission referred to an email dated August 11, 2025, in which the bank stated that the refund depended on a response from the beneficiary bank.
Since neither transaction had been finally decided by the bank, the Commission held that the complaint was filed too early. It ruled that no findings could be given at this stage.
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