Karan D Punamiya

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[Karan D Punamiya @karanpunamiya]

@udaykotak @jay_kotakone @KotakBankLtd @udaykotak @jay_kotakone — this is what Kotak looks like at branch level today: one employee makes a basic onboarding error, multiple departments refuse ownership, and the customer is denied access to his own account for weeks.
Is anyone senior willing to resolve it?

[Karan D Punamiya @karanpunamiya]

Dear @udaykotak, @jay_kotakone and @KotakBankLtd,
It has been THREE WEEKS, and Kotak still cannot solve a problem created by its own employee: my mobile number was not linked during account opening.
A bank defeated by a ten-digit number. Remarkable. 🧵

[Karan D Punamiya @karanpunamiya]

@udaykotak @jay_kotakone @KotakBankLtd The funniest part? Kotak’s Mahim branch is directly beneath my building. It is literally one step away—and still manages to be the most inconvenient bank I have dealt with.

Geographically close. Operationally unreachable.

[Karan D Punamiya @karanpunamiya]

@udaykotak @jay_kotakone @KotakBankLtd @KotakBankLtd, please spare me another template response saying, “We regret the inconvenience. Please DM your details.”
You already have my details. You have had them for three weeks.
What you apparently do not have is ownership, accountability or basic competence.

[Karan D Punamiya @karanpunamiya]

@udaykotak @jay_kotakone @KotakBankLtd HDFC and IDFC relationship managers call regularly, visit periodically and resolve issues promptly.
Kotak has given me three weeks of referrals, excuses and absolutely no resolution.
The experience is now worse than the very stereotype private banks mocked government banks for.

[Karan D Punamiya @karanpunamiya]

@udaykotak @jay_kotakone @KotakBankLtd The Mahim Branch Head has changed so frequently that customers can barely keep track.This revolving door of leadership perhaps explains why nobody accepts responsibility and every problem is passed to somebody else.
Leadership changes. Incompetence remains beautifully consistent.

[Karan D Punamiya @karanpunamiya]

@udaykotak @jay_kotakone @KotakBankLtd Three weeks of branch visits, calls, explanations and follow-ups—all to link a mobile number that your own executive failed to record correctly.

How many Kotak employees does it take to correct one onboarding mistake?

Apparently, the entire organisation is still calculating.

[Karan D Punamiya @karanpunamiya]

@udaykotak @jay_kotakone @KotakBankLtd The Mahim branch sent me to Goregaon. Goregaon sent me back to Mahim. Mahim told me to call customer care. Customer care achieved nothing. Then Mahim asked me to meet the Operations Manager.

I am not banking anymore. I am participating in a Kotak treasure hunt.

[Karan D Punamiya @karanpunamiya]

@udaykotak @jay_kotakone @KotakBankLtd Because of this, Kotak’s app and net-banking portal do not allow me to transact from my own account.

Your employee made the mistake. Your verification process failed to catch it. But naturally, Kotak decided that the customer should suffer for it.

Very efficient.

[Karan D Punamiya @karanpunamiya]

@SingaporeAir @ChangiAirport @SingaporeAir (Singapore Airlines)
@ChangiAirport (Changi Airport) �
X (formerly Twitter)
@govsingapore (Official Singapore Government)

[Karan D Punamiya @karanpunamiya]

Extremely disappointed with @SingaporeAir. I reported my missing baggage at Singapore Changi Airport at around 8:00 AM today. Nearly 9 hours later, the only update I received was that my bag allegedly never left Mumbai. Even worse, you're asking me to send photos of the bag again

[Karan D Punamiya @karanpunamiya]

@SingaporeAir @ChangiAirport It has now been over 24 hours, and I'm still waiting for meaningful progress. I sincerely hope @SingaporeAir resolves this promptly. If not, I will have no option but to pursue formal consumer and aviation complaint channels while documenting the entire experience publicly.

[Karan D Punamiya @karanpunamiya]

This isn't just about a suitcase. My checked baggage contains my clothes, footwear, toiletries, undergarments, charger, personal essentials and everything I need for my holiday in Singapore.

[Karan D Punamiya @karanpunamiya]

despite already submitting them while filing the report. This suggests my case wasn't even properly processed.