Vijaya Bank — ledger folio charges

Address:Jagdishpur, Amethi, Uttar Pradesh, 209870

My account in vijaya bank charged ledger folio charge on continues basis even when i have no transactions and any other availed services.
My balance was around 8000 which is now approx 4000.
Sms charge is ok as i am getting massage but why this ledger folio charge if no transactions at all.
It's vijaya bank jagdishpur account no. [protected] ifsc vijb0007177
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I have cleared my loan years ago and I don't have any active account. Cibil shows I have 2 active accounts. Because of your error my cibil score is getting impacted.

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