Unauthorized Kotak 811 Super Upgrade Charges - Scammed ₹429

Kotak Mahindra Bank's unauthorized upgrade to the "811 Super" program is a calculated trap that targets zero-balance account holders by deducting ₹429 without any OTP, email, or explicit consent, often leaving customers with insufficient funds for essential needs. In my case, this predatory deduction occurred just as I needed to purchase critical hair loss medication costing ₹935, forcing me into the humiliating position of having to borrow money from friends to cover my healthcare costs. Despite providing a clear pharmacy invoice as proof of this hardship, the bank's Nodal Officer dismissively claimed a refund was "not feasible" due to a supposed consent I never gave during a KYC process months prior. This systematic lack of transparency and refusal to acknowledge real-world financial damage is why I have escalated the matter to the RBI Ombudsman under complaint N202627[PHONE], seeking not just the refund of my money, but fair compensation for the mental agony and health risks caused by their negligence.